$HMONEY Radio

“For me, being independent with money, especially as a woman, was something that, because I didn’t see my mom have that, I really wanted it… Which is what pushed me to go abroad, what pushed me to build a career here and take on all these risks.”  - Liza Akhvledziani Carew

If you're wondering if homeownership is possible—or if it's even the right choice for you—listen to this episode.

Today, Liza Akhvledziani Carew, Co-Founder and CEO of Chexy, joins the pod to share her journey from growing up in Belarus to immigrating to Canada and becoming a founder. Liza moved to chase her version of the "Canadian Dream" but realized despite her healthy six-figure salary, she feared finances, began overspending to cope, and couldn't figure out how to make her money work for her.

In this episode, she reflects on her shift in mindset during the COVID-19 pandemic, which led her to question her career and finances and ultimately co-found Chexy. Recently, the company raised $4.1 million to scale its rewards program, helping renters capitalize on their payments to start building wealth without owning a home. We discuss:

• The struggles of building credit as an immigrant in Canada
• How a scarcity mindset and overspending are two sides of the same coin
• The renting vs. buying debate and how the fluidity of the modern workforce is changing things
• The differences between the North American and European approach to homeownership
• How Chexy's unique rewards program can help renters make their payments go further

And more!

To learn more about Chexy, tap or click HERE. 

To follow along with Liza, tap or click HERE. 

To learn more about/RSVP to $HMONEY's upcoming event, tap or click HERE. 

To get acquainted with your host, tap or click HERE.

To subscribe to The #SundayScroll ☕, Anastasia’s weekly newsletter, tap or click HERE.

To learn more about $HMONEY, visit shmoney.club and join us on...

Instagram: @shmoneyradio / @shmoneyhonies

Facebook: https://www.facebook.com/shmoneyradio

Sound credits: Levels by Yung Kartz ($HMONEY theme song - intro/outro music)

Edited and produced by Anastasia Barbuzzi, founder and creative director of $HMONEY ($HMONEY Radio).

"The dopamine hit of seeing that tax refund land in your account? Unmatched. But before you let it all fly on a spontaneous trip or a shopping spree, let's talk strategy."

Welcome back to the Hone Your Habits series! This bi-weekly supplement to $HMONEY's regularly scheduled episodes is inspired by David Bach's The Latte Factor, an ode to millennial money habits (like your daily latte).

Tune into bite-sized episodes for tips, tricks, and mindset shifts to help improve your financial literacy and money habits to live a healthier, happier lifestyle.

In today's episode, host Anastasia Barbuzzi discusses smart, satisfying ways to use your tax refund that support your financial goals—and still leave room for a little treat.

To read more on the blog, tap or click HERE.

Plus, get 11 more ways to use your tax refund HERE. 

To get acquainted with your host, tap or click HERE.

To subscribe to The #SundayScroll ☕, Anastasia’s weekly newsletter, tap or click HERE.

To learn more about $HMONEY, visit shmoney.club and join us on...

Instagram: @shmoneyradio / @shmoneyhonies

Facebook: https://www.facebook.com/shmoneyradio

Sound credits: Levels by Yung Kartz ($HMONEY theme song - intro/outro music)

Edited and produced by Anastasia Barbuzzi, founder and creative director of $HMONEY ($HMONEY Radio).

“No one is coming to save you. And that’s the same for your financial life… If you don’t take ownership, nobody cares. You have to take ownership and you have to do the small steps in order to access financial independence and build wealth.” - Alexia Kitoko

Thank you for ringing in the 150th episode of $HMONEY Radio with us! 🥳💚

Working with high-net-worth individuals felt “natural” to Alexia Kitoko until she realized how unfulfilled she was by helping rich people become even richer. That’s when she pivoted to building the bilingual 123 Finance— because financial literacy is for everyone.

Born and raised in Paris, France, to Congolese parents, Alexia graduated with a Master's Degree in Private Banking and Wealth Management from the Université Paris Dauphine. She then co-oped at Luxembourg’s Natixis Wealth Management before moving to Toronto, where she worked at RBC Wealth Management.

In this episode, Alexia provides unique insight into evolving and growing in the European banking industry as a Black woman and her decision to found 123 Finance, which is committed to enhancing financial literacy among underserved communities, including women, students, and female entrepreneurs. With host Anastasia Barbuzzi, she also discusses:

• Alexia’s money story
• Buying her first property at 27
• Financial literacy gaps around the world
• Pain points for new immigrants, particularly women, to Canada
• How we can create safe spaces to talk about personal finance
• How to begin building wealth when you don’t have a lot of money
• Why your focus should always be on building wealth, even when you have little-to-no money to work with
• How automating your finances paves an easy path to building wealth
• Using AI for financial planning
• How to balance paying off debt while also investing for your future
• The one thing you can do to start building wealth today, no matter how much money you have

And more!

To connect with Alexia, tap or click HERE.

To learn more about 123 Finance, tap or click HERE.

Curious about all the new things dropping at $HMONEY? Tap or click HERE.

To get acquainted with your host, tap or click HERE.

To subscribe to The #SundayScroll ☕, Anastasia’s weekly newsletter, tap or click HERE.

To learn more about $HMONEY, visit shmoney.club and join us on...

Instagram: @shmoneyradio / @shmoneyhonies

Facebook: https://www.facebook.com/shmoneyradio

Sound credits: Levels by Yung Kartz ($HMONEY theme song - intro/outro music)

Edited and produced by Anastasia Barbuzzi, founder and creative director of $HMONEY ($HMONEY Radio).

Welcome back to $HMONEY Radio! How sweet is it that we're kicking off the 2025 season of the show on Galentine's Day? In this episode, host Anastasia Barbuzzi gives you an inside look at all that's to come this year. Ensure you're following along on all our platforms so you don't miss out on exciting announcements or important content. See the show notes for details!

To get acquainted with your host, tap or click HERE.

To subscribe to The #SundayScroll ☕, Anastasia’s weekly newsletter, tap or click HERE.

To learn more about $HMONEY, visit shmoney.club and join us on...

Instagram: @shmoneyradio / @shmoneyhonies

Facebook: https://www.facebook.com/shmoneyradio

Sound credits: Levels by Yung Kartz ($HMONEY theme song - intro/outro music)

Edited and produced by Anastasia Barbuzzi, founder and creative director of $HMONEY ($HMONEY Radio).

A fresh year brings fresh opportunities to take control of your money and feel confident about your financial future. Whether it’s tackling debt, improving your credit score, or finally nailing a consistent budget, this episode is full of tools and resources to help you achieve your goals. 

With the help of Holly Kerr, creator of Minimalist Mindful Money, we discuss:

• Debt aversion and money anxiety
• How a minimalist mindset can transform your finances
• Why we should give a damn about our finances and financial well-being 
• Realistic strategies for digging yourself out of a negative financial situation 
• Her work in compensation and pay equity for women
• Benefits and programs many women are unaware of/not taking advantage of through employers
• Forgiving yourself for financial ebbs and flows 
• One way to save, earn, invest, and spend more mindfully in the New Year

And more. Consider this your “financial power pack” and an official starting point for a financially empowered 2025! 

*Note: Please forgive the background noise throughout the last two minutes of the episode. Technical difficulties!

For the complete list of must-have money tools, tap or click HERE.

To follow along with Holly on social, tap or click HERE.

To read Holly's blog, tap or click HERE. 

To get acquainted with your host, tap or click HERE.

To subscribe to The #SundayScroll ☕, Anastasia’s weekly newsletter, tap or click HERE.

To learn more about $HMONEY, visit shmoney.club and join us on...

Instagram: @shmoneyradio / @shmoneyhonies

Facebook: https://www.facebook.com/shmoneyradio

Sound credits: Levels by Yung Kartz ($HMONEY theme song - intro/outro music)

Edited and produced by Anastasia Barbuzzi, founder and creative director of $HMONEY ($HMONEY Radio).

"Being a cost-conscious host isn’t about cutting corners—it’s about being smart with your resources and creating an unforgettable experience for your guests."

Champagne taste, budget reality? Throwing a party without breaking the bank is an art—and one you can master with the right tips and tricks. Whether it’s a cozy dinner, a lively game night, or a celebratory brunch, hosting on a budget doesn’t mean sacrificing style or fun.

With a little planning and creativity, you can make your guests feel like they’re at a five-star event. Whether money is extra tight or you’re simply trying to save a few bucks, here’s a guide to hosting anytime, anywhere, while keeping your wallet happy—because there’s no shame in the saving game.

To get the complete budget-conscious guide on the blog, tap or click HERE. 

To get acquainted with your host, tap or click HERE.

To subscribe to The #SundayScroll ☕, Anastasia’s weekly newsletter, tap or click HERE.

To learn more about $HMONEY, visit shmoney.club and join us on...

Instagram: @shmoneyradio / @shmoneyhonies

Facebook: https://www.facebook.com/shmoneyradio

Sound credits: Levels by Yung Kartz ($HMONEY theme song - intro/outro music)

Edited and produced by Anastasia Barbuzzi, founder and creative director of $HMONEY ($HMONEY Radio).

"Remember: There will always be another sale. Sometimes, the best deal isn't the Black Friday one."

Welcome back to the Hone Your Habits series! This bi-weekly supplement to $HMONEY's regularly scheduled episodes is inspired by David Bach's The Latte Factor, an ode to millennial money habits (like your daily latte).

Tune into bite-sized episodes for tips, tricks, and mindset shifts to help improve your financial literacy and money habits to live a healthier, happier lifestyle.

In today's episode, host Anastasia Barbuzzi details 10 tips for having a "better" Black Friday (or any sale day) financially. Be sure to tune in before Cyber Weekend!

Want the 10 tips in writing? Tap or click HERE.

Having trouble with retail therapy? Tap or click HERE.

Need help refocusing your finances for the New Year? Tap or click HERE.

Plus, learn five ways to give when your budget is tight HERE. 

To get acquainted with your host, tap or click HERE.

To subscribe to The #SundayScroll ☕, Anastasia’s weekly newsletter, tap or click HERE.

To learn more about $HMONEY, visit shmoney.club and join us on...

Instagram: @shmoneyradio / @shmoneyhonies

Facebook: https://www.facebook.com/shmoneyradio

Sound credits: Levels by Yung Kartz ($HMONEY theme song - intro/outro music)

Edited and produced by Anastasia Barbuzzi, founder and creative director of $HMONEY ($HMONEY Radio).

Welcome back to the Hone Your Habits series! This bi-weekly supplement to $HMONEY's regularly scheduled episodes is inspired by David Bach's The Latte Factor, an ode to millennial money habits (like your daily latte).

Tune into bite-sized episodes for tips, tricks, and mindset shifts to help improve your financial literacy and money habits to live a healthier, happier lifestyle.

In today's episode, host Anastasia Barbuzzi discusses how to get on a savings schedule in time for the New Year, because financial glow-ups are best served with a side of consistency. Create a stress-free plan that’s not only easy to stick with but actually works for you!

For a full break down of how to get on a consistent savings schedule in writing, tap or click HERE.

To learn more about/join the savings challenge, tap or click HERE. 

To get acquainted with your host, tap or click HERE.

To subscribe to The #SundayScroll ☕, Anastasia’s weekly newsletter, tap or click HERE.

To learn more about $HMONEY, visit shmoney.club and join us on...

Instagram: @shmoneyradio / @shmoneyhonies

Facebook: https://www.facebook.com/shmoneyradio

Sound credits: Levels by Yung Kartz ($HMONEY theme song - intro/outro music)

Edited and produced by Anastasia Barbuzzi, founder and creative director of $HMONEY ($HMONEY Radio).

"In my opinion, it's even more important than the numbers. Really understanding who you are and how that impacts the way you move through the world and your life is going to have such a big impact on your finances."  - Ellyce Fulmore

Happy Halloween, $HMONEY hunnies! 👻

You're in for a vulnerable and insightful chat with founder, influencer, financial educator and advocate, Ellyce Fulmore.

When Ellyce started her financial journey, she had just $60 in her pocket and $35,000 in debt. In all attempts to improve her situation, following cookie-cutter solutions that didn't speak to her unique lifestyle got her nowhere. But through trial and error, she came up with Queerd Co.: a haven and resource filled with money strategies, tools, and resources that didn't force folks to reject pieces of their identity to succeed.

Ellyce has always believed the problem with so much of traditional finance education is that it doesn't consider who you are as a person. So, in this episode, we discuss:

• Her money story
• How venturing down the physiotherapy path and simultaneously hitting her financial rock bottom served as a wake-up call
• The influence our personalities have on our money behaviours
• Starting Queerd Co.
• How being neurodivergent impacts money stories
• The "dopamine deficiency" and how to add some back into your money system
• Her signature "Neuro$picy Money Method" and shame-free, trauma-informed approach
• Lifestyle changes she's made to alleviate daily stressors and help manage her money and well-being as someone living with ADHD
• Her personal five-account banking system
• The importance of intersectionality in everyone's money story and ability to build wealth
• Her first book, Keeping Finance Personal
• Voting with your dollars (practicing values-based spending) under capitalism
• A scary-fun rapid-fire round

And more!

To learn more about Ellyce, follow her on social, and check out all her awesome resources and products, tap or click HERE.

To get acquainted with your host, tap or click HERE.

To subscribe to The #SundayScroll ☕, Anastasia’s weekly newsletter, tap or click HERE.

To learn more about $HMONEY, visit shmoney.club and join us on...

Instagram: @shmoneyradio / @shmoneyhonies

Facebook: https://www.facebook.com/shmoneyradio

Sound credits: Levels by Yung Kartz ($HMONEY theme song - intro/outro music)

Edited and produced by Anastasia Barbuzzi, founder and creative director of $HMONEY ($HMONEY Radio).

Welcome back to the Hone Your Habits series! This bi-weekly supplement to $HMONEY's regularly scheduled episodes is inspired by David Bach's The Latte Factor, an ode to millennial money habits (like your daily latte).

Tune into bite-sized episodes for tips, tricks, and mindset shifts to help improve your financial literacy and money habits to live a healthier, happier lifestyle.

In today's episode, host Anastasia Barbuzzi discusses building a debt repayment plan. If you're feeling overwhelmed by debt, this guide breaks down practical steps to create a repayment plan that works (and you'll stick to). Tune in for tips on choosing the best repayment strategy, tracking progress, managing the emotional side of debt, and more.

To get the full guide and read all the details on the blog, tap or click HERE. 

To get acquainted with your host, tap or click HERE.

To subscribe to The #SundayScroll ☕, Anastasia’s weekly newsletter, tap or click HERE.

To learn more about $HMONEY, visit shmoney.club and join us on...

Instagram: @shmoneyradio / @shmoneyhonies

Facebook: https://www.facebook.com/shmoneyradio

Sound credits: Levels by Yung Kartz ($HMONEY theme song - intro/outro music)

Edited and produced by Anastasia Barbuzzi, founder and creative director of $HMONEY ($HMONEY Radio).