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Ever found yourself stuck in the paycheck-to-paycheck waltz, wondering how to break free? This episode of Know Your Money offers the keys to mastering the art of keeping your earnings, and it's not just about hoarding every penny. Together with Craig, Warren, and myself, we unravel the psychological threads of saving versus spending, sharing our personal triumphs and tribulations along the way. You'll gain insight into how automated savings can simplify your life, learn to recognize the emotional undercurrents that drive your spending habits, and discover the sweet spot between enjoying the present and securing your future.

Tuning in, you'll hear Warren confess his natural saver's instinct, contrasting the spender's narrative that many of us can relate to. It's a candid conversation that probes into the heart of what it means to truly 'keep' money – beyond just squirreling it away for a rainy day. We explore the tricky balance of financial habits, the mindset shifts necessary for effective money management, and how ingrained behaviors shape our paths to wealth. It's not just about cutting out lattes; it's about crafting a financial self-portrait where every stroke is intentional. Join us for an enlightening discussion that could redefine the way you think about your bank balance.

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Ever wondered how the simple act of giving can transform your personal and financial wellbeing? This episode of Know Your Money, with special guests Warren and Craig, delves into this intriguing topic. We share our own experiences and reflections on the nuanced dance between generosity and self-care. Giving, in its many forms—from time and resources to financial support—is examined not just as an act of charity, but as a complex interplay of altruism and self-interest. By listening to our stories, uyou'll gain insights into how giving shapes our lives, impacts our relationships, and feeds our souls.

This week, we're not just talking numbers; we're discussing the very essence of what it means to be generous without depleting ourselves. The conversation takes us through the importance of a balanced approach to giving, where the focus isn't solely on what we part with, but also on what we receive in return—be it gratitude, fulfillment, or personal growth. Join us as Warren and Craig open up about their personal journeys, exploring the psychological factors that inform our giving habits and how we can ensure they bring harmony to our financial and emotional worlds. It's a heartfelt exchange that promises to leave you with a richer understanding of how to give wisely and well.

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Are you ready to unlock the profound links between your emotions, past experiences, and spending habits? Brace yourselves as we, Craig and Bronwyn, share the secrets to transforming your relationship with money. Our personal stories offer insights into the importance of a conscious spending plan and how easy it is to misuse credit cards. We also discuss the necessity of setting clear boundaries for weekly spending, and how by identifying and understanding your emotions, you can change your spending behaviors for the better.

We take you deeper into understanding how your beliefs, mindsets, and patterns intricately weave into your financial decisions. By tapping into the power of awareness, we can decipher these complex relationships and welcome balance into our lives. Prepare for personal growth as we help you recognize the emotional attachment you have to money and the transformative impacts it can have. As we wrap up our episode, we extend our heartfelt gratitude and encourage you to subscribe for more revealing discussions around money and emotions. Join us as we unravel the mysteries of our relationship with money!

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Who says that handling your finances has to be complicated? We promise to unravel the perplexing ties between your mindset, your money, and your overall life satisfaction. We're shifting the spotlight to the psychology of our second relationship with money 'earning,' probing how ingrained beliefs and attitudes might be creating roadblocks in your financial journey. We also tackle the concept of 'over-earning,' a pitfall where the pursuit of wealth leads to an imbalanced, unfulfilled life.

Moreover, our conversation doesn't stop at 'earning.' We also traverse the seven key aspects of your relationship with money - earning, receiving, giving, spending, keeping, saving, and growing. In addressing these areas, we aspire not just to help you build financial wealth, but to cultivate a richer, more balanced life as well. So, let Bronwyn, Craig, and Warren lead you towards a more enlightened understanding of your money. Prepare to reshape your financial habits and use them as stepping stones towards the balanced life you've been dreaming of.

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Want to unravel the threads of your intricate relationship with money? Brace yourself as we, Craig, Warren, and our fantastic guide, Bron embark on a comprehensive journey to explore the seven key aspects of your money language - receiving, earning, spending, giving, keeping, saving, and growing. Our goal? To provide you with the tools and insights you need to manage your money better, and with more confidence.

Join our conversation as we debunk the common misconception about 'receiving', often mistaken as solely about earning. We'll explore how this initial interaction with money, which includes gifts or inheritances, affects our monetary decisions. With Bron's thoughtful guidance, we'll dissect each aspect of your money language, helping you understand your financial habits and how to change them for the better. It's time to shift your perception and enhance your financial journey!

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Ready to take control of your financial future? Prepare to unearth profound insights on achieving financial freedom in this riveting episode of Know Your Money. We offer you practical tips for escaping the debt trap and highlight the crucial role of our money relationships on our financial decisions. You'll discover the necessity of being financially prepared for unexpected events and how to create a sustainable budget. 

The conversation gets even more intriguing as we shift gears to wealth management and growth strategies. Listen closely as we reveal the importance of cutting down unnecessary expenditure and the magic of automating savings and investments. And, if you're eager to expand and grow your wealth further, this episode is a treasure trove of information, encouraging continuous learning and seeking advice from financial advisors. Listen in and empower yourself with knowledge to attain financial growth and freedom!

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Ready to make 2024 your best year yet? Buckle up as we, your hosts Craig, Warren and Bronwyn, guide you on this exciting journey of planning for success and fulfillment in the year ahead. We'll introduce you to the practical "wheel of life" tool, a strategy to gauge and improve various aspects of your life. Learn how to design an "ideal week", allocating time for your family, health, and joy while keeping your bigger goals in sight. We can't stress enough how crucial time management is for a prosperous year, so we'll show you how to carve out time in your calendar for your critical goals.

Ever wondered how planning can lead to a more enjoyable life? We're about to reveal that secret in the second part of our discussion. We'll share some insider tips and best practices to help you squeeze the most out of 2024. And because we know how important your financial stability is, we urge you to seek personalized advice from a financial planner. Don't forget to stay tuned to our podcast for more insightful financial information. So, are you ready to take the leap into 2024? Let's make this upcoming year unforgettable together.

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Have you ever wondered how to make the most out of your rewards programs? Imagine being able to save up enough points for a significant purchase just by understanding and strategically using these programs - a prospect we explore in this enlightening chat. Discover the art of linking your various accounts to such programs, gaining valuable insights into their intricacies, and accumulating points for meaningful expenses. 

From saving miles for a dream purchase to using your reward points for annual school supplies, we've got you covered. In this episode, we also delve into incorporating rewards into your broader financial strategy. the hosts share their personal experiences, highlighting the benefits they have enjoyed from meticulously amassing air miles. Whether you're a seasoned pro at rewards programs or still trying to figure out your Clicks club card, we promise this discussion will help improve your money management skills, one reward point at a time. Tune in and let's revolutionize our approach to those reward points together!

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What if you found out you’ve been a victim of credit fraud? That's exactly what happened to our sound engineer, Warren! In this eye-opening chat, we delve into Warren's unsettling experience of credit card fraud, a vivid reminder of the constant menace it poses. We discuss how this incident has reshaped our perspective on financial security and inspired us to stay more vigilant about our financial transactions.

We wouldn’t want you to walk in Warren's shoes, and in an effort to prevent that, we've come up with an arsenal of practical tips to help safeguard your money. Discover the benefits of having a cardless account, setting lower limits on credit cards, and the importance of regular account statement reviews. We also expose common fraud tactics like misleading emails and suspicious online promotions and share strategies to dodge these pitfalls. Listen in to learn how to navigate the treacherous waters of financial security and remember, assume it's nonsense unless proven otherwise!

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Are you tired of feeling overwhelmed by the word "budget"? Ready to ditch the dread and start feeling empowered by your finances? Join us as we chat about Ramit Seti's revolutionary approach from his Netflix series, How to Get Rich. We discuss his concept of a conscious spending plan, a fresh take on money management that veers away from the conventional budgeting methods that leave so many of us feeling stressed. Our conversation dives into the psychology of money and the impact our behaviors and attitudes have on our financial decisions. We even talk about an unconventional idea - having a "date" with your money, fostering a healthy, open dialogue with our finances.

In the second half of the episode, we share our tips on starting your own conscious spending plan. Imagine viewing money as an asset, something to be nurtured and valued, instead of a source of anxiety or stress. We introduce the 22seven app by old mutual in South Africa, a tool designed to provide an accurate snapshot of your financial situation, helping you to manage your assets and bank accounts effectively. Remember, it's alright to take baby steps, to focus on one aspect that truly speaks to you. Being conscious about your spending doesn't have to be a daunting task - it can be an enlightening, empowering journey. So, let's break the stigma surrounding money management, and start a new chapter in our financial health.

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