The Avoiding Broke Podcast: Recent Episodes
Jamain Graveney and Leanne Graveney
The Avoiding Broke Podcast focuses on wellbeing, finance and investing topics. We see a connection between your money and your mind, and try to help you develop both. Getting this balance right will greatly improve your life and opportunities.
The show features Jamain Graveney and Leanne Graveney. We have over 25+ years experience between us in banking, finance, coaching, mentoring and managing our own investment portfolio.
All opinions are our own and not advice. Always do your own research.
We all have the same 24 hours in a day, but how we use that time determines how successful we are. These essential time management tips will help you achieve more and work towards your life goals.
Now is the time to achieve your 2023 goals and plan for 2024. Having a simple focus on key aspects of your life (e.g. health, family, personal development and finances) can improve your happiness and wellbeing.
EP 138: The importance of mindset in defining and executing your plans. Our mindset is the key factor in our mood, decision-making and so much more. Spending time to improve our mindset is key to achieving our goals and successes
We all have goals and, despite working towards them, we can easily need to realign with them. Take time, reflect, rest, plan and be prepared to go after your goals with even more focus and energy.
In this episode, Leanne talks about time and how we use it. We all have the same 24 hours, how do you use your time?
EP 135: Resetting personal goals and changing your targets. We all have times when we need to reassess our goals and pursue new targets. Jamain covers some ideas to help plan effectively, review your goals and change direction for greater progress
In this episode, Leanne talks about the need to get out of our comfort zones to really give ourselves the chance to achieve big financial goals!
Take financial and life opportunities when they arise. Jamain discusses how when opportunities arise we need to be ready and willing to take them. This can have a huge impact on our financial futures.
In this episode, Leanne talks about inflation and how interest rates are used to control inflation. She also discusses the impact on mortgages and steps we can take to help ourselves.
In this episode, Leanne talks about the benefits of overpaying your debt if you can. We also tackle the tricky question of whether you should save while you have debt.
Using our energy and mindset we can elevate ourselves to news ways of thinking and behaving. This change in thinking, planning and actions can help us live a more prosperous life.
In this episode, Leanne encourages us all to make our financial goals bigger! We give ourselves a better chance of doing bigger things if our goals are bigger. Big goals can be daunting but we can overcome this by breaking them down into smaller milestones.
In this episode, Leanne talks about how our mindset can be our greatest tool to help us reach our financial goals. She covers what is mindset and how she tries to keep hers in a place that serves her.
In this episode, Leanne talks about lifestyle inflation- what it is, why it can be a problem and some tips to help not fall into the lifestyle inflation trap.
100% mortgages are being reintroduced to the UK property market. They offer a useful, but potentially risky, route to home ownership. We run through some benefits of and concerns about 100% mortgages
Parenting and personal finance - the game changer. There is a need to plan schools, financial literacy, saving, investing, housing, day to day spending and more! Its a different level of planning needed. #personalfinance #parenting #financialfreedom
In this episode, Leanne talks about the importance of consistency and building good habits in working towards your goals.
We can all become stressed, worried and confused by current financial challenges - but how we decide what is really important? We have the power to decide if an issue will be important in a years time, or to decide which handful of issues take our energy and let everything else have less thought. This is the essence of being more farsighted and deliberate about shaping our future.
EP 121: Don’t stress about your budge, stay calm! Doing a #budget can be stressful and the outcome may not be what we want. However, a budget is only a point in time ‘guess’ so we shouldn’t stress about it. Instead, focus on the discipline, consistency and grit needed to make the numbers work as best as possible to deliver the outcome you want!
In this episode, Leanne talks about ways to increase your income. With high inflation impacting so many of us globally, can you increase your income to maintain or improve your standard of living.
Q1 2023 has seen more challenges in the economy as interest rates have increased, banks have collapsed and more people are struggling. This outlook covers our thinking about income, spending, savings, investments and real estate
Overpay #debt daily to fight high #interestratesInterest on debt is often calculated daily. Overpaying daily can reduce the total amount you pay back and help you repay debt sooner.
Why do you do the things you do? Why do you make the decisions you make? In this episode Leanne talks about why it’s beneficial to understand your ultimate why- this is the ultimate goal or reason that you have for wanting to make good financial decisions and to learn and grow.
In this episode, Leanne talks about understating your current financial personality and who you want to be in the future. If we think about who we want to be in the future, we can try to make financial decisions now that align with the future self.
2 simple questions to improve all financial decisions….start today I bet you will make better choices!
A financial foundation or base is the start point for making better financial decisions. You figure out what your commitments and goals are, decide what financial support you need to achieve them and then execute! This podcast will give you some tips on how to set your goals and make them a reality.
In this episode, Leanne talks about how setting your financial goals can help you with your financial strategy. Leanne suggests a way to discover what your goals may be and how being clear on your goals can help you make decisions.
In this episode, Leanne talks about making financial decisions that will benefit us in the long term. We have a choice about whether we do something to benefit us in the short term or the long term. Leanne shares what she and Jamain are doing and thinking about, as well as the mistakes they make (or nearly make!).
In this episode, Leanne talks about the importance of taking action to improve your life. How often do we read, watch or listen to something and then take no action to implement what we’ve learnt? Make use of all the knowledge you’ve gained and take actions.
The rich are able to focus on single goals and tasks and get more done. In our personal finances we are often trying to do at least 4 things at once: grow income, reduce expenses, save and invest. Instead of doing all 4 things at once, try to focus strongly on just one priority and hopefully see your results improve
A big difference between the rich and poor is the ability to think longer term in order to improve productivity and wealth. This podcast covers some simple tips to shift your thinking in order to improve productivity at work, improve your personal finances and work on your self development.
In this episode, Leanne talks about some of the behavioural economics concepts (behavioural biases) that may explain why we make the decisions we do. By understanding the theory, we can pause and take time to think about the biases and whether we still want to make the same decisions. Knowledge is power and can help us make positive changes. Also if you would like to sign our petition to make personal finance part of the school curriculum, here’s the link: https://www.change.org/p/teach-personal-finance-in-all-schools-and-give-ongoing-help-to-adults?recruiter=1288440146&recruited_by_id=44dcc260-7818-11ed-850d-7981bf0ae869&utm_source=share_petition&utm_campaign=share_for_starters_page&utm_medium=copylink
Jamain takes a quick initial guess about the property market, domestic spending and investment conditions in 2023
EP 106: Prioritise life like the wealthy is about planning, simplifying and prioritising everything you do in order to achieve more than ever before
Your credit score and financial margin of safety (how much cash in the bank) could be THE key financial decisions we make in 2022. Time to prepare for 2023 is NOW!!!!
In this week’s episode, Leanne provides an overview of the economic situation and explains the basics of inflation and recession- covering why they usually occur and how these are usually dealt with and the interaction between them.
In this episode, Leanne shares her thoughts on how we can all take responsibility for our own finances. We should all try to understand how interest rates and inflation (for example) impact us personally.
EP 102 covers our November 2022 personal finance update. This is an outlook for income, savings, investing and debt. The last few months have been hard and the next year expected to be worse…it’s important to understand your personal finances!
In this episode, Leanne talks about how powerful our thoughts are. We should use our mind as a tool to help us achieve the greatness we all have inside. This episode also includes some tips on how to turn your thoughts positive.
In this episode, Leanne explores the meaning of empathy and challenges her current thinking of empathy.
In this episode, Leanne shares her thoughts on the power of gratitude. Saying out loud what you are grateful for can have such a huge positive impact on your life.
A lot of people are struggling with motivation and confidence. We can do a lot to address this feeling almost immediately….check it out.
In today’s episode, Leanne talks about how important it is to focus on the things you can control and not to waste your precious time on those things outside of you control. She also suggests 3 things that you may want to focus on.
We have been meditating consistently for the last 97 days….here are 3 key lessons learned.
In this episode, Leanne shares what she has learnt from the book ‘The Courage to be Disliked’. It’s a real thought provoking book about how being happy is all within our own control! We hope you find the lessons useful!
A cost of living crisis has hit globally. EP 94: Similar to Covid times, the strain of a poor economy is impacting peoples mental health and wellbeing. Today we discuss 3 simple ways to combat mental health challenges.
Do you know what truly makes you happy? Is it possible we’ve been mistaken about truly makes us happy. In this video Leanne explores what makes her happy and the lessons she’s been thinking about this week.
This is a morning reflection. A lot of personal and financial management involves struggle and uncertainty. Coping with hard times sometimes means asking for help when we need it. This is even more important as the financial crisis bites.
A looming recession is confirmed and the economic outlook for the next year is poor. These 3 ideas are based on core economic and business principles and could instantly help improve your financial health.
Having a good budget can make all the difference to your financial situation. With the cost of living crisis we’re currently all living through, a budget is even more important.
In this video, Leanne provides some practical tips for budgeting.
Thinking longer term about our money challenges and goals is a mindset shift. We work on looking at problems and opportunities over a longer time (eg short term is 1 year minimum). This helps us to make better financial decisions in the very short terms (ie less than a year). This is a powerful mindset shift that has saved us thousands of £/$ in wasteful spending.
EP 88: 3 cost of living lessons from July 2022 covers three trends we are tracking and working on for July 2022: supermarket inflation, the emerging insurance gap and rising interest rates.
These are the 4 essential tactics me and Leanne used to to beat the COVID economic shock and will use to tackle the cost of living crisis.
There are warning signs that the UK (and likely global economy) is heading for a crash. The relationship between wages, inflation, business performance and politic / society will potentially leave many people struggling - be alert!
5 amazing ways to save money on your summer holiday: flights, hotels, cashback, points, packages and self-catering
We will be looking at more tactics to beat the cost of living increase. Today is optimising food spend
Right now in this #costofliving / #finance crisis, there are 3 key things the wealthy are doing that the poor are not….addressing these gaps will offer a huge personal advantage
It can be very difficult to make progress, or to stick to your commitments in challenging times. Todays reflection considers the of making slow, quiet progression and steps forward.
I enjoyed an epic, mindful moment this weekend and want to share this mood-boosting experience. It’s a huge wellbeing improver!!!
Short-term money decisions can cost us BIG! Summer is a prime time where people amass HUGE debts. Some simple forward-planning and discipline can save you months / years of debt!
Self discipline during tough times - cost of living crisis looks at basic discipline we need to form to survive the current economic crisis and recover strongly!
Happiness is something we all hope for but struggle to explain or obtain. Jordan Peterson said something fascinating that making our daily engagements ‘pristine’ will help us get closer to it….this is something well worth thinking about and attempting!
The cost of living crisis is impacting all of us and it’s increasingly hard to generate value / growth for our finances. Jamain shares some thoughts about the current economy, where we may have pressure in the future and how we can begin to protect our interests.
Inflation, rising debt and low wages are killing people. We need to take a stand and make moves to improve our situation.
In this episode, Leanne talks about the benefits of being spontaneous! Not only can you have a lot of fun but being spontaneous every once in a while can help you unlock your creativity and feel refreshed!
In this episode, Leanne shares her 3 top tips for dealing with stress. There is so much going on in the world at the moment and we all get a bit stressed so make sure you take the time to developing your ways to deal with stress!
In this episode, Jamain and Leanne discuss the increased cost of living. Its hard to escape news of soaring prices but in this episode we discuss ways to try and deal with it and share what we’re doing in the Graveney household.
In this episode, Leanne talks about ways to be brave to take the steps towards your goals. It can be scary to take those first steps, you need to be brave to face the fear head on.
In this episode, Leanne talks about how the small things can make a big difference. We shouldn’t neglect the small things as they can make life wonderful and help us achieve our goals.
In this episode, Leanne talks about the power you can unlock by journaling. It’s a truly wonderful way to unlock your thoughts, organise your ideas and keep your mind a positive place.
In this episode, Leanne talks about the ways that she sets herself up to deal with life’s stresses. Life is hard sometimes and we all get thrown curve balls but there are things we can do to help ourselves to deal with these in a positive way.
In the episode, Leanne talks about how the Disney film Encanto taught her a few good lessons about living life, reaching potential and personal development. Leanne discusses the weight of expectations and the need to be perfect before trying to do something.
Hey guys - happy 2022. I’ve taken a good break, reflected on 2021 and planned how to make 2022 a great year. Have a listen and hopefully take some ideas to help you! Be awesome, Jamain
This is Leanne’s last podcast of 2021 but she’ll be back in 2022. Before taking a break over the festive period, Leanne shares with you her key lessons from 2021 and what she hopes to take into 2022!
We hope you have a wonderful time over this holiday season!
In this week’s episode, Leanne talks about kindness. Kindness can be seen as soft and not something that goes hand in hand with being ambitious and driven. However, this is not the case! Kindness is a real strength and can help you achieve your goals!
Hi everyone - today Jamain talks about the importance of self-belief. We have been on a personal journey of learning these past few months and are glad to share some reflections.
In this episode Leanne talks about the importance of planning! December and the holiday season is nearly upon us and that can bring added pressures in our home and work lives. Planning how to do the things you want and need to do during this time can help you to achieve what you want to achieve and succeed!
In this video I speak to the awesome Ahmet of Ahmet Self Improvement / Personal development. We take some time to discuss Ahmet's personal development journey and ambitions, as well as get some of this top learnings from his own life.
Ahmet is an inspiration and, if you want to hear more about the habits and techniques he tests and learns from, visit his page: https://www.youtube.com/c/AhmetKaanPersonalDevelopmentProductivity
Communication is so important. However, sometimes we miss the point of communicating and so miss all of its wonderful benefits! Leanne shares her thoughts on how to be a great communicator!
In this episode, Leanne talks about the importance of taking time to pause and reflect. It’s so important to celebrate where you are, be grateful for all you have and to motivate yourself to keep going!
What are we investing in - Cash, stocks, crypto, real estate? Jamain Graveney discusses his current investment decisions and the thinking behind it.
In this episode, Leanne talks about the importance of taking a break. Not only will taking a break help you not to burn out but it will also help you be more creative, more focussed and boost your wellbeing!
In this weeks episode, Leanne talks about the importance of balance and some of things that she thinks about when trying to get a better balance. We only every get busier and so consciously thinking about how to get balance has become even more important.
Int his episode, Leanne talks about the importance of saying no and shares some of her top tips to help you to say no.
In this episode, Leanne talks about how to embrace failure and to move on from it to reach your goals. There will always be bumps in the road but you must learn to overcome them and to keep going!
In this episode, Leanne shares 3 secrets that she’s been thinking about that will help you to be successful! Whatever your goals and dreams are, these three things will help you to achieve them and will help to keep you on your path to success!
Have you ever wondered what is bitcoin? Why should I invest in cryptocurrency? How can I invest in cryptocurrency? This podcast will hopefully help answer some of the big initial questions in a simple way.
In this episode, Leanne talks about 3 ways to build your self confidence. These are three things that you can put into practice straight away to start to build yourself up from the inside out!
In this weeks episode, Leanne talks about 3 secrets to building confidence. You won’t find these three things on lists you can Google, these are secrets gained from years of experience and a focus on self development. We hope you find the tactics useful and helpful in boosting your confidence to propel you onwards and upwards!
Hi everyone! Todays show is all about tactics to improve your morning routine and personal effectiveness. This is a topic many of our community think about a lot as we seek continuous improvement!
In this weeks episode, Leanne shares 3 secrets about happiness. We all want to be happy and our level of happiness has a huge impact on our lives and so we hope this episode will help you unlock even more joy and happiness in your life.
Today, Jamain discusses how Avoiding Broke has developed in the last 18 months and where the team want to take it - to create a blueprint for personal growth. This is all about self improvement, greater wealth and better health….key components in the quest for social mobility and upliftment. The future is bright and we are excited!
Patience really is a virtue! In a fast world of instant gratification and having everything on demand, it’s easy to forget the importance of being patient. Slowing down and being patient is key to considering all angles and making better decisions.
In this episode, Leanne talks about why it’s so important to reflect, learn and put that learning into practice. We’re all on a lifelong journey and we’re always learning but we need to reflect and put that learning into practice for it to have the amazing impact on our lives that it can have.
Become Antifragile - get mentally and physically stronger! Today we discuss lessons from the incredible book Antifragile by Nassim Nicholas Taleb. Taleb teaches us a lot about taking opportunities, reducing assumptions, continuous learning and self-reflection, and simplifying our thinking to help us be more effective. These are some incredibly powerful ideas that can completely change the way you think about yourself and your opportunities in this world.
In this episode Leanne reflects on Father’s Day and how celebrations that bring us so much joy can help us to create a positive mindset.
In this episode, Leanne talks about how being open and honest with ourselves opens us up to receive more opportunities.
Live in the future, execute in the present! This week Jamain discusses some elite performance methods to plan into 2022 and beyond.
In this episode, Leanne talks about the importance of looking of yourself when you’re working hard to reach your goals. When you’re striving to learn, grow and achieve your dreams, you need to make sure you give your body and mind the chance to recharge!
Good morning world! Today we discuss how thinking longer-term can easily improve your mindset and money. This is an elite performance habit that everyone can benefit from!
In this episode, Leanne shared some mental models that can help you with problem solving and making decisions. The world is a complex place and these models can help you achieve elite performance within the complexity.
Jamain Graveney discusses some interesting news headlines from 1 May 2021, including property, impulse buying and low interest on savings. Enjoy!
Jamain Graveney discusses some key high performance habits that drive him. These habits can support the constant improvement and growth that Team Avoiding Broke is seeking!
When we’re striving to create a better future for ourselves we may forget the importance of being present in the here and now. Being present had so many benefits, which Leanne shares in this episode!
This week covers our April 2021 property buying and investment outlook. Jamain looks at a number of key economic trends and ideas that can inform if, when and where to buy your next property.
Now is the time to set your key money behaviours to help you on your path to financial success
In this episode, Leanne shares her thoughts and lessons on what it means to be committed. Commitment is necessary to achieve your goals but how much thought do we give it and do we reflect enough on our commitment?
What is success? We all say we want to be successful but what does it actually mean? Leanne explores what success is and how to define it for yourself.
Jamain Graveney goes over how Avoiding Broke is investing in light of the UK budget and US stimulus announcements
Creating and cultivating a positive mindset can be so beneficial. It only can it make you happier, it can help you strive towards your goals and overcome obstacles that may arise. In this episode, Leanne covers to be edits if a positive mindset and tips on how to create and cultivate a positive mindset.
Jamain Graveney discusses the challenge of (and ideas for) getting return on savings, property as an investment and preparing for the post-Covid business world.
Thinking about the future can have many benefits. In this video, Leanne covers two important ways that thinking about the future can help give you clarity and perspective. Firstly, by helping you set goals and secondly, by helping you consider your investments.
Happy valentines day! Today Jamain Graveney discusses the economy, alternative investments and managing your household money. Enjoy!!!
Jamain Graveney discusses the key financial moves Avoiding Broke are making in 2021. We cover income, costs, crypto, pensions, real estate and more. These moves help us get better financial outcomes and improve the health of our money and personal finances
2020 was a unique year and taught us a lot about dealing with uncertainty. In this podcast we reflect on what we’ve learnt and how we’re going to look after ourselves in 2021.
Your money, time, health and attention are important assets that support you in life. In 2021, if a financial crash arises, all these assets will be placed under pressure. Don’t wait for something to go wrong...take time to assess your assets and liabilities so you are better prepared for uncertainty.
We want to wish you all a merry Christmas! We also share with you what lesson both be of us will be taking into 2021 with us to continue our investing journey.
In this weeks podcast, Jamain Graveney outlines the Avoiding Broke outlook investing in markets, real estate, crypto, commodities in December 2020.
This type of assessment is how we decide on asset allocation across our portfolio and will help you understand more about the thought process that underpins our investing decisions and includes:
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Stock market value 0:25
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Bond market returns 1:45
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Real estate potential value 2:45
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Cryptocurrency being undervalued 4:08
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Commodities as a staple 6:34
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Holding cash 7:15
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General macro risk management 9:53
Unfortunately, Leanne Graveney was unavailable, but the video is still packed with insights. Happy listening and please comment, like and share!
Cash flow is king in your property business and in this episode we discuss ways to minimise disruptions in your cash flow. We cover our thoughts on setting the rent level, being flexible on terms, being clear about the beneficial aspects of your property and how you advertise! We hope you find it useful!
In this week’s episode, we talk about some key factors that you may want to think about when considering what location to buy an investment property in. We cover, the impact of the move to working from home, big businesses and the use of management services.
This week we discuss the key criteria to consider when you’re looking to invest in property. We cover the economy, unemployment rates, cash flow, location and capital growth!
This week we discuss low savings rates, the boom in sales and ‘deals’ when shopping, and rising debt. We focus on the opportunities out there to improve your financial situation.
In this weeks’ episode, we discuss Christmas budgeting! With approximately 6 weeks to Christmas there are the usual temptations all around us to buy on credit, spend in early Christmas sales and push the boat out. So a Christmas budget is essential!
In this episode, we discuss the recent lockdown announcement in the UK and what this may mean for spending. We discuss ways to spend smartly, the importance of budgeting and looking after your mental health.
In this episode we talk about ways we can all increase our income in 2020. All of the ideas we discuss can be started today from your own home, using skills you already have. We hope you find it useful.
In this episode we discuss the importance of having a positive mindset and practical steps you can take to achieve a positive mindset. We also talk about the importance of a positive mindset to financial planning and ideas/steps that you can take now to assess and improve your financial situation.
In this episode we talk about what finishing strong in 2020 means to us. We know it’s been a tough year for so many people and so we share ideas on how to build yourself up and achieve what you want to achieve. You have it in you!
In this episode, we cover three things that we’ve done this week to prepare for the next few months and any potential further lockdown measures in the UK. We share with you what we’ve done in terms of our emergency fund, budget and how we’re looking after ourselves.
Jamain covers his personal approach to setting huge financial goals that have life-changing potential. Understanding how to set financial goals is crucial to achieving financial freedom and giving you more opportunities in life.
It’s Leanne’s birthday and so we’re feeling reflective. In this week’s episode, we both share our number one financial, personal development and career decisions. We speak very openly about what we’ve been up to.
In this episode we talk about ways to build long term, sustainable, habits to help you reach your financial goals. In this practical episode we also share exactly how we try to build our positive money habits, with examples, humour and an offer to help.
In this episode Leanne takes the time to talk about her financial journey-starting with her early relationship with money through to present day and what’s changed! Get to know more about Leanne- one half of the Avoiding Broke team.
This week we discuss bringing back lost money! That’s money you’ve spent but you can get back by returning items or selling them, for example. We also talk about forming positive habits and building consistency. Finally, we give you an insight into our thoughts on savings.
This week we discuss taking care of your discretionary spending. Looking at typical non-essential expenses in turn, we cover practical ways to be efficient with your money and cutting any waste.
This week we discuss taking care of everyday expenses. Looking at typical everyday expenses in turn, we cover practical ways to ensure we’re being efficient with our money and saving money where we can.
This week Leanne discusses the importance of setting goals, but not just any goals- big goals that encapsulate your ultimate, deep down, life ambitions. She talks about why it’s important to have big goals, how to set them and how to keep working towards them. Ultimately having a big goal will help you to avoid broke! Enjoy.
This week we discuss the importance of creating a positive money mindset that helps you make financial decisions. We also look at the fundamentals of why a budget is important to help you manage your money. As ever, we also discuss some of the key developments in the world of personal finance this week and think about tactics to avoid broke - enjoy!
This week we discussed some of the challenges facing young workers impacted by the current economy, individuals / families struggling with debt and opportunities for buyers and sellers in the current housing market. We covered a mixture of market developments and viable tactics people could employ to help themselves improve their situations.
In this episode we discuss ways anyone on furlough can learn new skills; the importance of supporting the reopening of local businesses; and career prospects for the young (note: we couldn’t cover the stamp duty changes due to a technical fault ☹️)