In episode 034 we share our experience of starting our budget, some of the hurdles we initially faced and some of the topics that need to be on your radar as we start. Filling out the categories is the easy part, it's the conversations that go together with it that make it tricky.

We are starting to get in deep with your finances and are getting ever so close to actually starting your budget! In this fortnight's episode, we talk about how to reduce your expenses and increase your income. At this point, you should be aware and have a bit of an idea about your expenses, how much you spend and maybe where you can start reducing expenses. When we started budgeting we realised pretty quickly that debt was the reason why we didn't have much money. It was stealing our money before it hit our bank accounts, so that's the first step. Then we realised that there were some expenses that would require a phone call in order to reduce, either way, this step was pivotal to us winning with our budget before we even started. If you haven't started yet, you have 14 days! Listen to the last three episodes, download the resources and get ready because we are getting ready to budget next fortnight!

In this weeks episode, we look at your bank statement, more specifically your bank statements from the last three months. We do this step every fortnight when we reconcile our budget, it's literally telling you where you have spent your money and can sometimes be a bit daunting and scary because you start to realise that maybe you have some habits that need to drastically change. This is the first step where you start to look at and talk about the categories in your budget and what numbers will reflect your income and your habits. It's a fun but scary step all wrapped up in one! If you haven't already! Subscribe to the show, to keep up to date with what is coming up!

Over the next few weeks, we'll be doing a budgeting series! Throughout the next few podcast episodes, we'll be sharing the steps we took to begin to and create a budget that works for us, we'll share details of how to reduce expenses, how to catch the big and little expenses and will guide you to creating your own budget! Together with the episode, we'll also be releasing a free resource that corresponds with the action steps coming out of the podcast episode, the resource will only be available for Love Ultimately family members, so be sure to sign up HERE to be part of the family! Listen to the episode, sit down with your spouse, download the resource and let's get started on creating a budget that works for you!

In episode 30 of the podcast, we talk through the five things we've been up late talking about and encourage you to do the same. When was the last time you stayed up late just talking with your spouse, having an open conversation, in a safe environment and both of you have just poured it all out and maybe resolved some things that have been left unsaid. Maybe it's time to have one of these conversations and the topics we talk through may just be an indication or reminder to you that you have something you need to communicate to your spouse about in these areas. If you haven't already, subscribe to the show!

In episode 029 we talk through five things that we've learnt about moving overseas. Five things we've learnt about our family, about our marriage, about our finances and about what living your dreams looks like. Sometimes it's not at all what we expected but most of the time it's more than what we could have hoped for! If you haven't already, subscribe to the podcast!

In episode 028 we talk through five things we know, without a shadow of doubt has helped us to achieve the big financial goals we've had over the past 4 years. We've always been open and transparent about our struggles with our budget and our wins with our budget but without these five things, we probably wouldn't be sitting in snowy Toronto today. Strap in, get excited because we believe if you do these 5 things, 2019 will finally be the year that you achieve your financial goals! Don't forget...listen in all the way through as we share an exciting announcement about how we can partner with you to achieve your financial goals!

In episode 027 we share with you some of the goals we are aiming to achieve in 2019. Every year we categorise the goals into seven categories, and in this episode, we go through each one with you. Our hope is that you will feel encouraged to sit down and write out what you want to aim and focus on for the year ahead. Take the time to listen to each other and enjoy the process to plan and work towards achieving all you hope for 2019!! If you haven't already subscribed to the show to be in the know of what is coming up!

In this fortnight's episode we talk you through some of the things we've done to be in a position where we've saved and cash flowed over $30K. We share some of the practical things we've done to hit that goal and be in a position where we are ready to enjoy our next adventure with no stress about our finances. Whatever you're saving for, whether it be a house deposit, an overseas trip or even trying to reduce your mortgage, we truly believe you can do it! Listen to how we did! Subscribe to the show to keep up to date!

We've been a bit MIA these last few weeks, we've been busy in the background working hard on making one of our dreams come true. In episode 25 we share what we've been up to exactly. We hope that you can listen to this episode and get the excitement and encouragement to sit down with your spouse and start making your dreams a reality, whatever that may be, we are super excited to share our next chapter with you! subscribe to keep up to date with what is coming up!