Avsnitt

  • Today's conversation marks our 50th episode and is the finale of season four. The end of a season is always bittersweet, but we're leaving on a high note. Throughout this season, we celebrated some amazing milestones, including hitting 325,000+ downloads of the podcast. Thank you so much for listening and being part of this community! Before we wrap up this season, we want to talk about a very important topic: knowing your "why". Knowing your why can help you make clear decisions regarding all areas of your life. It gives you the motivation to strive for your goals and dreams, bust through your fears and figure out what your boundaries are. But figuring out your why isn't always simple or easy. And if you don't have a why, it can cause you to make a lot of bad decisions or put money towards things you don't really value. In this episode, we share some exercises and questions that can help figure out your why. As you answer these questions, remember: you're never going to arrive at the finish line. Your why will change numerous times as you age and mature. At the end of the episode, we share what our plans are during the break and when you can expect the launch of our next season. Thanks for sharing your summer with us! We'll see you in 2018.

  • How do you feel about saying the word “no”? For many of us, this little word carries a lot of fear and power. In today’s episode, we discuss some of the things we’ve said no to over the years and what those decisions have done for us. We also talk about how difficult it can be to say no, especially if you’re a people pleaser. One of the things that helps give us the confidence to say no is understanding that we’re also saying “yes” to something else. You may not know what that something else is yet, but we can say from experience that there’s always another option around the corner. The biggest takeaway from our conversation is to remember that saying “no” is not the same as quitting – it’s taking back your power so you can hear your inner voice again and let that guide you. By saying no, you’re establishing boundaries that respect your personal needs. Author Danielle LaPorte says it best in her new book: “You have to protect your heart so you can keep it wide open.”

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  • What comes up for you when you think about asking for help? Do you get anxious or feel any shame? As kids, we are constantly encouraged to ask for help, but at some point in our lives we start telling ourselves that asking for help is not okay. In today's episode, we strive to break down the roadblocks that you encounter when thinking of asking for help, so you can get back to hearing and trusting your inner voice. What advice would you give a friend? Why don't we follow this advice ourselves? It's not easy admitting that you can't do everything yourself, but when you ask for help it can be very liberating. As we get into the episode, we also discuss some of the excuses that can come up when asking for help - it goes back to the stories we tell ourselves. Finally, the one thing we want you to takeaway is that asking for help starts with just asking. Put yourself out there and see what happens. Asking for help can be such an empowering choice. So give it a try this week! What have you got to lose?

  • It's not very often that we have guests on the podcast, so today's episode is extra special! With the recent conversations we’ve had about money mindsets, we thought it would be great to invite someone to help us dive a bit deeper into this stuff. Garrett Philbin is a personal friend of ours and works as a financial life coach. He currently lives in Brooklyn, New York and runs a business called Be Awesome Not Broke, through which he helps people use money more intentionally to live better lives. If you listened to our episode about transforming your money story, you might remember that Garrett is the person who helped Cait first see the limiting money beliefs she had about how much money she could earn. He is also the friend who suggested we read the book, You Are a Badass at Making Money by Jen Sincero! In this episode, Garrett opens our eyes to some of our own money beliefs and how they affect our relationships. He explains that you can't talk about money without talking about life, and what you believe becomes your reality. We’re so grateful Garrett was willing to share his personal money beliefs with us, as well as representing a male perspective on the podcast. There are a lot of great insights and advice for unlocking your own beliefs about money, so you won’t want to miss this one!

  • Have you ever announced a goal or shared a decision with someone and then changed your mind? You probably experience feelings of guilt or have fears related to what people might think of you. Well, we're here to tell you that this is okay! It's okay to go back on decisions you've made or to change your mind about something you thought you wanted. You can (and should) do things your way! Giving yourself permission to do so is part of evolving and growing as a person. In this episode, we also explain how to overcome your fears so you can give yourself permission to do what you want. Lean into your comfort zone and play to those strengths. It all starts with reflecting and adding boundaries to your life. Then work in a simple gratitude practice or regular journaling. Once you've determined exactly what you want, and can hold onto your beliefs, you'll never apologize for changing your mind again.

  • Do you ever make a purchase, feel happy for a brief moment and then wonder what the heck you did that for? That's exactly where we are at in life right now: in the mood to shop and feeling like anyone could convince us to buy anything! Instead of giving into these impulse purchases, we're taking a step back in this episode and asking ourselves why we're in this "season of wanting to buy stuff". We start by defining what buying happiness means to us and how it's differed over the past few years. Then, we talk about how we can support local businesses without needlessly spending or cluttering our homes. We also share the last five purchases we made and whether or not they bring happiness and value to our lives. It's not bad to want to buy things or spend money, but the idea is to take a pause before swiping. There needs to be a balance between items that you may not need but you'll actually use and which will bring you happiness. The final takeaway is that you don't always have to spend money to "buy" your happiness. Be on the lookout for alternative wealth resources that allow you to obtain what you want or need, without exchanging money for it.

  • Part of changing your money and changing your life is figuring out the stories you tell yourself about money. These stories or beliefs can either help or hurt your finances. If they hurt it, transforming your money stories requires you to dig deep into your past, face your fears and work through any financial mistakes you've made - and that's what we're talking about this week. This topic was first brought up by Cait after she realized she'd been telling herself a lot of stories that were hurting her earning potential. As we get talking, however, she figures out she's been telling herself a lot of stories about buying things and spending money too. Carrie talks about combining her purpose and passion with making a lot of money. We close with some mantras we both needed to hear: spending money isn't bad and money isn't evil. Money allows you to spend, save and give, which are all good things! If our talk strikes a chord with you, check out the book, You Are a Badass at Making Money by Jen Sincero. Remember, it's not advice about HOW to make money but, instead, offers ideas, mantras and meditations that you can help you let go of some deep-rooted misconceptions you might have about making it.

  • This week we decided to get into the nitty gritty and share some tangible tips for decluttering your life and your finances. Similar to minimalism, decluttering is a hot topic online these days. We start by defining what decluttering means to us: essentially, it's clearing out anything that takes up negative space. This could mean decluttering physical items from your home, but it could also mean decluttering your budget, your social calendar and your life. As usual, we share tips based on our own experiences. We also share some of our favorite apps, books and podcasts that can help you declutter your own life. (Note: The best apps are usually only available in the US! Boo!) If you could only take one thing away from this episode, we would want it to be this: Sometimes, the healthiest thing to "declutter" is the unnecessary expectations and pressures you put on yourself.

  • Minimalism is a hot topic on the internet, these days. And because it's so popular, it's easy to come across the same definition over and over again. White walls, white furniture, no color and not a lot of stuff. It sounds a little sterile, doesn't it? We think so, too. In this week's episode, we are attempting to redefine what minimalism means - at least to us! We talk about how we defined minimalism a few years ago, and what it means to us today. And after receiving a number of requests, we share how we're embracing minimalism NOW - in our lives and in our businesses. Partway through, Cait goes on a bit of a rant but with a good message: It's important to realize that minimalist design is different from a minimalist mindset, and you shouldn’t have to buy minimalist things to be a minimalist.

  • Do you ever feel like you’re doing everything as best as you can but it’s still not ENOUGH? And does it ever make you feel like you're not GOOD enough? How do you deal with this? This topic is actually a question that came from one of our readers. Let's start off by saying, you're NOT alone in your feelings, as both Cait and Carrie struggle with this in different areas of their lives. Carrie opens up for the first time about feeling like she's doing enough when it comes to her finances. On the flip side, Cait doesn't feel like she's worthy as a whole. Feeling like you're not enough is something we all deal with. However, the goal is to learn how to successfully deal with these feelings and overcome them - starting with learning how to feel content with where you're at. We talk about that + share a few more actionable tips at the end of this episode.

  • This week's episode is all about staying curious and becoming a critical thinker. These are traits that allow you to experiment, try new things and be open to more opportunities in your life. And we both talk about how curiosity has helped us with our money and the various experiments we've done with our budgets, income and expenses. How do you become a curious person if you're not curious by nature? How do you get the courage to put yourself and your ideas/thoughts out there? We answer all of these questions and talk a bit more in-depth about how doing so has changed our lives. As always, we close with a few tips on how and why you should become more curious in your own life.

  • Welcome to the fourth season of Budgets and Cents, a podcast co-hosted by Cait Flanders (formerly Blonde on a Budget) and Carrie Smith (Careful Cents). The warm weather is in full swing here in North America and we're excited to spend this summer with you! To kick things off, we wanted to share a few personal updates, and talk about how we've embraced some of the recent changes we've experienced in our lives. From sad news (Cait and her family recently lost both of their dogs) to positive news (Carrie's new personal health routine has had great results), we've been through a lot in the past two months. We've also both made some big changes in our careers, shifting away from freelance and putting more energy into our own businesses. You'll have to listen to hear where things are going from here. It's going to be a great summer! :)

  • We’re sorry to say this is our final episode of the season - but what an incredible season it has been! We have loved each and every one of the conversations we shared with you, and are so grateful for all of your support these past few months. To finish things off, we are switching things up and answering your questions! Some of the topics we discuss in this episode include: travel hacking and credit card bonuses; the expert financial advice we disagree most with; what we would do if someone gave us $100,000; how we balance client work and our business work (for real!); how we make money; our real life routine and how we fit in self-care practices; and the books we're reading and podcasts we're listening to. While this is the last episode of this season, don’t worry – we’ll be back with Season 4 in June 2017! We share more details about that at the end of this episode. And of course, you can still connect with us in between seasons on social media or via email. Thanks again, friends! We'll talk to you in June :)

  • Season three is coming to an end, but before we say goodbye, we wanted to have a conversation about a topic that’s very important to us: investing in yourself. Like with all of our episodes, we share our personal experiences with this, including which areas of our lives we’re investing in right now. For Cait, this means talking to a counselor, and dedicating time to her yoga and meditation practices. Carrie has started working with a naturopathic doctor, and is paying more attention to what she’s putting on and in her body. And don’t forget about investing time/money/energy into having fun! This is an important part of wholehearted living. We also share how we’ve invested in our finances, and the one main thing we’re doing to invest in our business and careers. Remember to wait and feel the need before spending money. When it comes to investing in yourself, there are many ways to get what you need without actually spending money. This week, start with just one area that you want to invest in and set aside 30 minutes to take action.

  • Does any of your self-worth come from your net worth? That's the topic we're discussing today, as well as how we both measure our individual worth. We have both let money affect our self-worth, in the past, but agree that's a flaw we are constantly working on. Trust us when we say that it's a lot easier said than done. Since numbers are usually tied to your self-worth, Carrie reveals what it's like to not be the breadwinner for the first time in her life. And Cait opens up about how her past salary determined her work ethic and how she valued herself amongst her co-workers. Since seeing this about ourselves, we've both been trying to measure our worth against other metrics. One thing we've heard in the past: how you measure your self-worth will directly affect how you act in life. We share some examples of what this looks like, at the end of the episode. And we close by giving a few ideas for how to measure your worth instead, including knowing how you treat people and who you are at your core.

  • When you hear the phrase “money mindset,” what kind of images come to mind? That's the topic we're discussing in this week's episode. We start by talking about what our money mindsets are now versus what they were when we were younger. Anyone else guilty of viewing credit cards as free money, or was that just us!? From there, we discuss where our scarcity mindsets come from and the fears that are attached to it. There are various aspects of your life and career that are affected by your money mindset, so be careful of self-sabotaging thoughts! If you think you're going to run out of money, you probably will. Towards the end of this episode, we share some tips for how to shift from a scarcity mindset to one of abundance. When you make mental shifts, positive changes will start happening, and we share some of the ones we have personally experienced. One thing we continue to learn is that having a positive money mindset means money will often present itself at the exact time you need it most. The first step is learning how to be content and appreciating what you already have.

  • What does the word "values" mean to you? It likely means something different for everyone, but if you want to change your money and change your life, it's important to define what your values are. In this episode, we talk about what the word "values" means to us and how ours have changed over the past 5-10 years. Your priorities will be defined, whether you're making a conscious decision about them or not, which is why it's so important to intentionally figure out what they are and why they exist. Also, it's good to recognize that what you wish was a priority may not actually be something you value, and we explain the difference between the two. One thing we know for sure: You can't have goals without knowing your values. We give ideas on how often you should revisit your core values and how to figure exactly what they are. Plus, we share how your values affect your spending habits and what do to if you have competing financial priorities. To take action this week, try mapping out your values based on the kind of lifestyle you want to live everyday. And remember, your values should not be confused with your aspirations. Be honest with yourself about how you're feeling about your current priorities and where you hope to be in the future.

  • This week is an extra special episode of Budgets and Cents because we're hosting our first guest! Jessica Moorhouse is a millennial money expert, speaker, award-winning personal finance blogger and host of the popular Mo’ Money Podcast. She's also been a great friend to both of us for many years, and was the one and only person we knew we wanted to interview this season. In January of this year, Jessica quit her day job to become a full-time blogger and podcaster, which is actually something she had told us she would never do. So, why did she change her mind, and how did she decide to make that career change? That's what we're talking about today: being open to change. Jessica starts by giving us a real look at how the first few months of self-employment have been and what her plans are for this year (including: producing future Millennial Money Meetup events, offering money coaching services to clients, and launching her first e-course about financial and physical fitness!). But we also discuss the various fears that come with being open and how to find the confidence to try new ventures. We're so grateful Jessica was willing to share part of her story with all of us. There are a lot of great tidbits of insight and advice in this episode, so you won't want to miss this one!

  • One of the things we've noticed over the years is that the more connected we are online, the more lonely we tend to become in our real lives. And when we're lonely in our real lives, we have a harder time pushing past our fears - both personally and in our businesses. In today's episode, we share a number of the fears we both experience (or have dealt with in the past). We start by discussing the fears we feel when we send emails, pitch clients and interact on social media. We also talk about how we navigate around our fears in order to network and connect with new people. It's not always easy. In fact, this episode will show you we still don't always feel good in these situations, but we continue to work through it. This conversation is incredibly vulnerable, as we asked each other big questions that required us to dig deeper into finding out what we are truly afraid of. The answers surprised even us. As you're listening, remember there's a difference between good fear and bad fear, and knowing the distinction between them is vital to being successful. Most of our concerns are never validated, they're simply fears that try to hold us back. But every time you do something that scares you, you grow and can see what you're capable of.

  • It's easy to look at someone else's life or social media accounts and assume they're able to manage everything successfully. But this is the curated version of the story. It's not an accurate representation of how you can manage your time. And, the truth is, we're not big fans of the idea that you can "do it all" anyway. So today we're sharing an honest look at what happens when we try to balance our work, money, chores, social lives and relationships. Trust us when we say our lives are not always dreamy! Some days, we even forget to put on deodorant. But that's what real life looks like. In order to actually do it all, you have to make room in your life for specific things during specific times. Doing it all requires flexibility and patience with yourself and those around you (especially those who help you do it all). It takes time, commitment and communication, but it can be done… just maybe not all on the same day of the week!