This week's Friday Fave is an episode on how our fantasy self shows up in our spending habits! We're unpacking the concept of the "fantasy self" and exploring how it influences our financial behaviours and spending decisions. If you've participated in my wardrobe challenges, you might already be familiar with the idea of the fantasy self when it comes to clothing. But today, we're broadening that lens to see how it shows up in various aspects of our lives.

Today I’m covering:

• Understanding the Fantasy Self
• Common Categories Where the Fantasy Self Shows Up
• How to Dismantle Your Fantasy Self

Listen to the episode on Spending Runways mentioned in this episode here: https://thebrokegeneration.com/blog/episodes/are-spending-runways-draining-your-money/?portfolioCats=362 

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Order my book, Good with Money!

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

In this episode I'm taking you through 5 things I've learned since starting to track my spending again as part of running Smart Spenders Club! 

Highlights:

• how tracking can provide a helpful behaviour modifier
• why visuals can help you connect to the impact of your spending
• the dangers of avoidance and how tracking helps you face the music

Smart Spenders Club has closed for enrolment now, but stay tuned for a potential second round later this year.

See omnystudio.com/listener for privacy information.

Over the next 10 weeks, we're hitting replay on 10 of your most loved episodes, to give a little extra love to the eps that made the most difference in your lives and your finances throughout the four (yes FOUR!!) years of The Broke Generation podcast. 

First up we've got one of the most listened to eps of the podcast EVER... my round up of my year long wardrobe freeze. If you're new here, you're gonna love this one. If you've listened before, let it hit in a whole different way. 

Thank you so much for listening to the podcast and being a part of the gang – I so appreciate you! To celebrate the best eps of the last four years, why not share the podcast with a friend to help us reach more people!? 

See omnystudio.com/listener for privacy information.

A common dilemma that plagues many of us on our journey to getting good with money is this: we finally save up some money, feel our first sense of financial confidence, finally start to feel things clicking into place... and then suddenly feel immense guilt and ickiness when it comes to spending money on things, even if we've saved up for them! 

This feeling is complete and utter proof of how money is NOT rational. In a purely mathematical sense, having money saved up for something is endlessly easier than living in a state of financial chaos. AND YET, so many of us save up for something for the first time ever, and when the time comes to spend that money, OOP, we feel horrible. Not cool, brain, not cool. 

In this episode I unpack this dilemma and explore ways to move through it and come out the other side financially confident and empowered. 

Highlights:

• How our natural loss aversion comes into play
• The emotional tension between spending and saving
• Letting go of binary thinking in all areas of our finances
• Why a good relationship with money ALWAYS needs nuance
• Gradually desensitising yourself from the ickiness
• Ways to organise our money so we're just the right amount of connected, and disconnected, with our finances.

Order my book, Good with Money: 

Australia: https://amzn.to/4eLOi5x 

UK: https://www.amazon.co.uk/Good-Money-Reprogramme-Spending-Control/dp/1399822446/ref=asc_df_1399822446?mcid=8cfd172ad9473176be1ff7bdcdfd9f24&th=1&psc=1&hvocijid=8186753501660029287-1399822446-&hvexpln=74&tag=googshopuk-21&linkCode=df0&hvadid=696285193871&hvpos=&hvnetw=g&hvrand=8186753501660029287&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9220538&hvtargid=pla-2281435176378&psc=1&gad_source=1 

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

In this episode I'm taking you through 7 things I've learned in business that will supercharge your personal finances. Your mindset and perspective around money is super important in achieving financial confidence, and these 7 things I've picked up on since being a business owner stand out to me as things we can apply to our personal finances too.

Highlights:

• Treating your life like a business to give you the clarity you need for success
• Allocating funds to your different life "departments"
• Being proactive and reactive accordingly
• Investing in growth and efficiency
• Adopting a "margin mindset"
• Identifying when your lifestyle isn't viable (and what to do instead)
• Viewing things from a big picture perspective by taking an annual approach to expenses

Order my book, Good with Money: 

Australia: https://amzn.to/4eLOi5x 

UK: https://www.amazon.co.uk/Good-Money-Reprogramme-Spending-Control/dp/1399822446/ref=asc_df_1399822446?mcid=8cfd172ad9473176be1ff7bdcdfd9f24&th=1&psc=1&hvocijid=8186753501660029287-1399822446-&hvexpln=74&tag=googshopuk-21&linkCode=df0&hvadid=696285193871&hvpos=&hvnetw=g&hvrand=8186753501660029287&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9220538&hvtargid=pla-2281435176378&psc=1&gad_source=1 

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

Get in loser we're quitting emotional spending and learning to spend our money in a way that adds to our lives, rather than lines the pockets of clever corporations – in the form of this masterclass replay. 

REMINDER: Smart Spenders Club late enrolment closes midnight Friday 31st Jan GMT, last chance join our inaugural round here: https://thebrokegeneration.com/smart-spenders-club/

If you enjoyed this episode and want to watch the slides that go with it, the Zoom replay link can be found here: https://us06web.zoom.us/rec/share/tIAhJgGu40-gtY4SrJxlMQq0UycCKpXnSh5bRSgDwIGmjnhU4wbAh8_zC8FsiwWq.yVaXeN4Vdc3XZAHf

Order my book, Good with Money: 

Australia: https://amzn.to/4eLOi5x 

UK: https://www.amazon.co.uk/Good-Money-Reprogramme-Spending-Control/dp/1399822446/ref=asc_df_1399822446?mcid=8cfd172ad9473176be1ff7bdcdfd9f24&th=1&psc=1&hvocijid=8186753501660029287-1399822446-&hvexpln=74&tag=googshopuk-21&linkCode=df0&hvadid=696285193871&hvpos=&hvnetw=g&hvrand=8186753501660029287&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9220538&hvtargid=pla-2281435176378&psc=1&gad_source=1 

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

Welcome to the final episode of This is the year...! This week, we're going to get you thinking BIG PICTURE with your money. I'm talking letting go of financial fears, understanding and embracing your risk tolerance, and believing in more than a life living paycheck to paycheck. 

Highlights:

• Taking inspiration from the Financial Independence Retire Early movement to build a life you desire
• The concept of freedom, including the freedom FROM and freedom TO model
• Defining your 'rich life' (a concept by Ramit Sethi) and how it can help you achieve bigger things
• Understanding your 'financial window' and how you can broaden your financial perspective
• Your version of freedom and security
• Net worth tracking and building on a net worth mindset

This miniseries was created in partnership with PocketSmith: the personal finance software for all walks of life. Head to www.pocketsmith.com/thebrokegeneration to try it for yourself. 

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe.

See omnystudio.com/listener for privacy information.

Is EVERYONE doing a no spend year in 2025?! It can feel like it from looking at your social feeds, but you don't have to feel pressured to join the ranks. In this episode I unpack the trend of people vowing to their TikTok followers that they're on a no-buy for 2025, explore the benefits of changing your relationship with spending, share some alternative ways to approach bettering your spending habits, and my hottest tips for getting the most out of a no/low/mindful buying period.

Mentioned in this episode

• Smart Spenders Club is open for late enrolment until January 31st: get your ticket to join us here: https://thebrokegeneration.com/smart-spenders-club/

Upcoming Sydney event tickets: https://events.humanitix.com/launch-party-know-your-worth-and-good-with-money?hxchl=mkt-sch&_gl=1*dkn9mg*_gcl_au*MTI3Nzg2NzMyMC4xNzM2ODk4MDU1*_ga*MTYxOTY4Mzc4NS4xNzM2ODk4MDU2*_ga_LHKW5FR9N6*MTczNjg5ODA1NS4xLjEuMTczNjg5ODA2NS41MC4wLjA. 

Order my book, Good with Money: 

Australia: https://amzn.to/4eLOi5x 

UK: https://www.amazon.co.uk/Good-Money-Reprogramme-Spending-Control/dp/1399822446/ref=asc_df_1399822446?mcid=8cfd172ad9473176be1ff7bdcdfd9f24&th=1&psc=1&hvocijid=8186753501660029287-1399822446-&hvexpln=74&tag=googshopuk-21&linkCode=df0&hvadid=696285193871&hvpos=&hvnetw=g&hvrand=8186753501660029287&hvpone=&hvptwo=&hvqmt=&hvdev=c&hvdvcmdl=&hvlocint=&hvlocphy=9220538&hvtargid=pla-2281435176378&psc=1&gad_source=1 

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.

Welcome back to This is the year...! This week we're exploring ways to make 2025 the year you SLAY your savings once and for all. Saving money is one of the most life changing skills you can learn – and yes, skill is the operative word here. We expect ourselves to know how to save automatically, but for most of us, it's just not that easy. The human brain isn't wired to delay gratification. We've evolved to use the resources we have to avoid losing them, and so saving money (resources) for an undefined reason, to use on an undefined date in the future, isn't something that comes naturally to us. Luckily, there are ways we can hack our brains to make saving fun and easy, and in this episode, I'm going to show you how. 

Highlights:

• Gamifying saving to make it more fun
• Using a bundle strategy like the $1000 Project
• Creating momentum to keep yourself saving
• Building saving into your budget
• Learning to live below your means naturally
• Values-based saving
• Embracing a base camps vs climbs mentality 

This miniseries was created in partnership with PocketSmith: the personal finance software for all walks of life. Head to www.pocketsmith.com/thebrokegeneration to try it for yourself. 

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe.

See omnystudio.com/listener for privacy information.

Welcome back to The Broke Generation! It’s that time of year where I sit down and think about the year ahead, what I want to achieve, and how I plan to do it, letting you listeners in on that journey. This annual tradition is all about sharing my personal goals for the year, and 2025 is no different. If you’ve been here before, you know this is where I spill on everything from practical habits to big, dreamy aspirations, all with a pinch of fun and zero pressure.

This year, I'm kicking off with 25 goals that are inspiring me—and maybe you—to approach life and finances with intention and creativity. Wardrobe challenges, quarterly resets, and everything in between—this year’s goals are all about finding clarity and creating meaningful change.

Episode highlights:

• Why I’m doing a no-clothes-buying year again, and what I learned last time.

• How to gamify fitness goals for consistency.

• The case for creating a quarterly reset routine to stay on track, for my finances and life in general.

• Setting bold yet flexible goals, like growing my Instagram community to 200,000 followers.

Ready to embrace your goals? Grab a cuppa and tune in.

Mentioned this ep:

Sophie Cliff's 'Create Your Joyful 5 Year Plan'

Check out my events in London and Sydney, including my book launch and a special session with Victoria (of The Comments Section fame)!

Order my book, Good with Money: 

Australia: https://amzn.to/4eLOi5x 

UK: https://www.amazon.co.uk/Good-Money-Reprogramme-Spending-Control 

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@the.brokegeneration  

Sign up to The Glue: the weekly money psychology and mindset newsletter www.thebrokegeneration.com/subscribe, where you’ll also get your free Financial Values workbook.

See omnystudio.com/listener for privacy information.