Ready to undergo your next financial transformation? This ep is for you. I'm taking you through four tips to help you accelerate your next big upgrade (and not in a gross way). When it comes to our ongoing financial journey (yuck), there are certain points when we're climbing, and others when we're coasting. Neither is superior to the other, but they're distinctly different states. Climbs happen when you're making big shifts to your habits, behaviours, beliefs and even your bank balance, too. Coasting is the space in between (and it's not a bad thing, by the way). Coasting helps us acclimatise to the new level following an upgrade, and after a certain point, we find ourselves ready to climb again. This ep shares four tips to help you on your next climb!

Highlights:

• The difference between goals you're actively pursuing, and goals that are on the backburner.
• Goal visualisation pathways
• How your identity changes when undergoing a financial upgrade
• How a short sprint can help you get back on the wagon
• What happens if you don't change? 

GET YOUR PIPING HOT GOAL SETTING POWER PACK WORKSHEET: https://thebrokegeneration.com/product/piping-hot-goals/ 

10% off with code PODCAST

Order your copy of my book, GOOD WITH MONEY: https://amzn.to/4fA51uc

Sign up to the free weekly newsletter, The Glue: www.thebrokegeneration.com/subscribe  

See omnystudio.com/listener for privacy information.

In today’s episode, we deliver part 2 on how to feel like the hottest sh!t to ever walk the earth. We kick things off with another juicy icebreaker, exploring how you’d react if a close friend revealed they were secretly wealthy. Shifting focus, we dig into confidence, highlighting the importance of embracing both strengths and weaknesses.

We challenge the notion of toxic confidence, pushing instead for self-awareness and the willingness to acknowledge areas for improvement. We also touch on the power of financial knowledge and the importance of asking questions, even at the risk of seeming uninformed. Maybe it's time for you to interrogate the ways you've been conditioned and understand what has contributed to your responses? Embrace your strengths, acknowledge your weaknesses, and confidently move forward. Thank you so much for listening, everyone!

Thanks to our sponsors, Wallace Advocates, AJT Legal, Lending Solved.

Where to find Emma

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.

Where to find Victoria

Instagram: https://www.instagram.com/bad.bitch.money/?hl=en

Newsletter: https://substack.com/@victoriashakeshaft

See omnystudio.com/listener for privacy information.

This episode is a replay of a popular episode from 2023. 

If you’ve clicked on this episode it’s probably because you’re fighting that nagging feeling that you’re ‘behind’ in life. It's a topic that resonates with all of us, consuming our thoughts more often than we'd like to admit. Featuring voice notes from listeners, sharing their own experiences with this all-too-familiar sensation, and how to navigate the complex feeling of being behind in life.

Feeling behind isn't just about the numbers; it's about the choices we make, the experiences we gather, and the unique circumstances that shape our journey. Together we explore the need to discern the specific triggers that make us feel behind and the underlying emotions driving these perceptions. It’s important to define your own unique path, discover your core values, and find contentment in their distinct journey.

Episode highlights:

• Learning to differentiate between the societal pressure to conform to certain life milestones and your own personal desires and values,

• Recognising privilege and how comparing yourself to others who may have had different opportunities can be counterproductive,

• The importance of self-awareness and personal growth.

“Getting aware is the very first stage, and that might be noting little things down if and when they pop into your mind or getting better at sort of slowing down and noticing when these thoughts and feelings are coming to you."
Emma [11:15]

“Where can you kind of move away from that goal that's been sort of drilled into you is the right thing to do."
Emma [39:11]

“There is no decision, there is no end destination, there is no place you can be in your life where you don't have questions about where you're going next."
Emma [39:35]

“The older you get, stage of life matters so much more. I've got friends that are 25 and I've got friends that are in their forties, but the stage of life is kind of more important than the age."
Emma [42:26]

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @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, we're diving into a fantastic listener suggestion from Bonnie, who wanted ideas for making money without starting a full-blown side hustle. Bonnie, a stay-at-home mum with some evening free time, inspired us to explore creative ways to earn extra cash.

We chat about various options like selling clothes, participating in specific surveys, and even casual marking for universities. The goal is to find strategies that easily fit into your current lifestyle. 

Join us as we share our experiences with micro-hustles, how they've supported us in the past, and why they can be a smart addition to your financial toolkit.

Thanks to our sponsors, Wallace Advocates, AJT Legal, Lending Solved.

And if you want to check out the amazing work of the makeup artist Emma saw, check out emturchmakeup.

Where to find Emma

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.

Where to find Victoria

Instagram: https://www.instagram.com/bad.bitch.money/?hl=en

Newsletter: https://substack.com/@victoriashakeshaft

See omnystudio.com/listener for privacy information.

In this episode I chat to stylist, Maddy Forster from Mad About Fashion about the power of finding your personal style, for your happiness, your bank account, and your confidence. 

This episode originally appeared as part of my 6 week group experience, The Wardrobe Project, where we hit pause on our clothing consumption and untangle our spending habits as they relate to our style. Keen to hear when the next round enrols? Join the waitlist here: https://mailchi.mp/e60be6e4205a/eyhjwar1s8

Also mentioned in this episode: I Hired a Stylist and Here's What it Taught Me About Consumption. https://open.spotify.com/episode/0zR3cFszEbKIocRVoUazHr?si=ix9wzCDYSnS-4ps3OGkOBg

Where to find Maddy:

Instagram: @_madaboutfashion

TikTok: @madaboutfashion

Website: https://www.mad-aboutfashion.com.au/

Where to find Emma

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

Order my book, Good with Money!

See omnystudio.com/listener for privacy information.

This week we're kicking off with part 1 of a 2 parter about a huuuge topic: confidence. We’re getting into the nitty-gritty of self-love and confidence, which are sneaky aspects of our lives that impact making financial decisions.

No one is scrutinising us as much as we do ourselves, and it’s human nature (and conditioning) to think that a shiny new thing, like an outfit, makeup or even a diet program, will sort out all our insecurities. Fortunately, the best fix is free and usually what we actually need is a shift from seeking external validation to cultivating internal confidence. Listen in to find out how you can make that shift both online and offline, and how you can also be a positive force to those around you!

Thanks to our sponsors, Wallace Advocates, AJT Legal, Lending Solved.

Where to find Emma

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.

Where to find Victoria

Instagram: https://www.instagram.com/bad.bitch.money/?hl=en

Newsletter: https://substack.com/@victoriashakeshaft

See omnystudio.com/listener for privacy information.

When are we buying to fix ourselves, and when are we "investing in ourselves"? In this solo episode I dive into the sometimes-dangerous advice I see on social media about "investing in yourself" (which is basically just fixing yourself and/or emotional spending in disguise), and unpack the differences between healthy investments in yourself and toxic pseudo investments in yourself. Then, we move onto a model you can use to explore 7 ways you can invest in yourself in a meaningful way, and side step that toxic side of self-investment. 

See omnystudio.com/listener for privacy information.

Today, we tackle our very own trolley problem: If someone gives you a lottery ticket as a gift and you win, would you share the winnings? Join us as we delve into the complexities of this scenario, pondering what we'd do if we won and what we'd expect if we were the gifter. We explore themes of transparency, generosity vs. practicality, and the dynamics of relationships. Should the recipient feel obligated to share? Would the gifter expect a portion, or is the ticket purely a gift with no strings attached?

We also discuss what we'd do with the winnings both immediately and in the long term. From paying off debts to investing in the future, we consider the practical steps we'd take right after winning. Plus, we share our dream lotto purchases – from luxurious holidays to buying our dream homes.

Tune in to hear our perspectives and let us know on our socials what you would do if you won and what your dream purchase would be!

Thanks to our sponsors, Wallace Advocates, AJT Legal, Lending Solved.

Where to find Emma

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.

Where to find Victoria

Instagram: https://www.instagram.com/bad.bitch.money/?hl=en

Newsletter: https://substack.com/@victoriashakeshaft

See omnystudio.com/listener for privacy information.

Your ears are about to be blessed yet again by the incredible Tash Invests, as we talk about the power of frugality and its role in building wealth. We explore Tash's journey of focused frugality, strategic investments, and the behavioural discipline that led to her impressive financial achievements at a young age. Tash shares her early introduction to investing, the sacrifices she made, and the frugal habits that contributed to her financial success. We also discuss how adopting a frugal mindset, even for a short period, can significantly accelerate financial progress, regardless of your stage in life. Tune in for practical tips and insights on leveraging frugality to reach your financial goals.

Episode highlights:

• Strategic sacrifices on financial growth
• Understanding and controlling expenses to accelerate wealth building
• The challenges and strategies of maintaining frugality as your lifestyle and responsibilities evolve.

“I'm not that into frugality in terms of never having any joy in your life and never doing the things that you say you want to do or saving all your money."
Emma [02:01]

“I was just obsessed with getting jobs for a while. I don't know why. I just, like, loved trying new things."
Emma [04:25]

“It's easier to not do it at all and than to try and do something in moderation."
Tash [10:11]

Where to find Tash

Website: https://tashinvests.com/
Instagram: https://www.instagram.com/tashinvests/ 
TikTok: https://www.tiktok.com/@tashinvests 

Listen to her Get Rich Slow Club Podcast!

Order Tash's book How To Not Work Forever.

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.

This week, we promise we're not telling pork-pies, we're tackling a dicey subject - tracking your spending. We look at various approaches - from meticulous budgeting to more relaxed methods - and their impact on financial well-being. Join us as we discuss practical strategies for managing finances, especially when you deviate from 'routine' like travel, and coping with variable incomes. We also talk about various tools for effective tracking, and how you can delve into personal spending habits, and find balance between financial goals and lifestyle choices. 

Are you a never-checker or an eagle eyed control freak? Let us know on our socials!

Thanks to our sponsor, Wallace Advocates, AJT Legal, Lending Solved.

Where to find Emma

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.

Where to find Victoria

Instagram: https://www.instagram.com/bad.bitch.money/?hl=en

Newsletter: https://substack.com/@victoriashakeshaft

See omnystudio.com/listener for privacy information.