Bills Over Brunch: Recent Episodes
Bills Over Brunch
Bills Over Brunch is a podcast to help open up the conversation about all things money to support and empower women who are at the beginning of their financial journey.
Bills Over Brunch was created by us - Hal & Emmy. Over the years, we always seem to be the ones who are approached by family and friends looking for advice about money. We wanted to make a platform to help other people look at all of their options about all things money related. Kind of like asking your sister, best friend or cousin for advice. We are here to help you look at your options when it comes to all things money and making it.
Disclaimer: we ‘avo lot to say, but we are still NOT a replacement for financial advisors, accountants, etc. We always encourage seeking professional advice specific to your situation.
Do you find that you have the best intentions to save money, but a lot of the time life tends to get in the way? It’s the constant balance between “you only live once” and “you need to save money.” But sometimes the “you only live once” keeps happening and then when you find yourself in a money pickle, you have $0 in your rainy day fund to help you out! So in this ep, we chat about 5 money traps that you might keep falling for and what you can do about them!
You know all the benefits of having a budget. You know that a budget can help you stay on track to achieve your financial goals and get rid of any debts that you have accumulated. Then why do you keep putting off creating a budget!?
It might be because you don’t really have a clear reason, or as we like to call it, your why. If you don’t know your why then you probably won’t have any motivation to start or stick to a budget. After all, budgets don’t give you instant results, so working towards a goal will help you stay on track. For some more tips and tricks on how to motivate yourself to start a budget, check out this episode!
Have you got a potential opportunity where you will make more money but at a cost of work-life balance? Are you trying to decide what you want to study at university and are wondering how much weight to put on earning potential and job prospects money-wise? Then this is the episode for you! Hal shares a brilliant exercise that can help you navigate and make career decisions.
Somehow the universe decides that ALL of the big events in your friend’s and family’s lives end up in close proximity to one another. While it is fabulous to celebrate your nearest and dearest, the widening hole in your pocket isn’t as nice! So how can you buy the most amazing, thoughtful gifts in the world but at a fraction of the cost? Listen to our latest episode for 5 tips and tricks that will transform you into the savviest but best gift giver ever!
This episode is for all the “yes” people out there! We all love a bougie dinner as much as the next person, but when your calendar is getting booked out it can be stressful for your budget as well as your well-being. If you are always saying “yes” to everyone - not because you want to, but because you feel like you have to or feel bad saying “no,” then give this episode a listen. It’s time to start prioritizing you!
Fuel $2.15 per litre? Iceberg lettuce going for $10.00 per head? Things are going bananas around here, so take a listen to this episode for tips and tricks to manage the rising cost of living. We will cover off:
- The big ticket item: ideas to increase your income to make an impact
- Middle ticket item: ways to decrease your cost of living
- Quick wins: actionable things you can do now, these things add up!
We also wanted to remind you to be kind to yourself during these stressful times - you are doing the best you can!
So we all know that nobody is perfect. We ALL have our bad habits. However, if you have any of these bad money habits, you could really be impacting your long term financial goals and the ability to go on that dream holiday!! We will be chatting about what these 5 bad money habits are, but also give you some workable solutions to help you break them.
So if you are living week-to-week or are an avid impulse buyer, give this episode a listen!
When was the last time you checked you were getting paid what you are worth? Money and wages can be hard topics to navigate with your boss or manager, but it doesn’t mean you should be avoiding them! In this episode, we are going to help you create a plan to ask your boss for a raise, as well as what to do if they say no - because you shouldn’t stop there if that is their response!
Some helpful resources from the episode to help you research what you are worth:
- https://www.glassdoor.com.au/index.htm
- https://www.payscale.com/research/AU/Job
- https://www.seek.com.au/
If you’ve listened to our “How do I ask my boss for a raise?” episode, you would have heard us chatting about a Success Journal. A Success Journal is going to help you monitor your career development and, ultimately, give you all the proof and support you need when you ask your boss for a raise. In this episode, we are going to go through all the steps and information to include in your Success Journal. We hope this episode helps you land your next pay rise!
Bills, bills, bills. Everyone has them and just as you think you have paid the last one for a while, another one comes your way. It’s another never-ending part of adulthood. If bills are ruining your attempt at adulting, then this is an episode for you. There are a few ways in which you can make your bills smaller and less of a pain in the ass. Today we are going to chat about 3 tips you can try to help you cut down on your bills.
It’s no longer the norm to stay in the same position or career your whole life. But what happens when you are working full time and have bills to pay, and want to acquire a new position or change your career altogether? Is it really possible to study so you can upskill or diversify your skill set, while continuing to work?
In today’s episode we dive into how you can evaluate whether it could be an option for you, as well as how to plan and prepare to work and study at the same time. We hope you enjoy it!
We are moving into a cashless society where everything is digital. Although convenient, this means that it is super easy to lose track of expenses. When was the last time you actually checked your bank statements to see how many subscriptions you had? They just auto-debit away while we sleep and can then make it seem like your hard-earned money is vanishing into thin air.
In this episode, we will discuss how you can declutter your digital footprint and reduce your spend on subscriptions that don’t bring you joy (yes we are going all Marie Kondo in this ep!).
These days we have everything at our fingertips. Thanks to meal delivery apps, we can organise dinner without even having to leave our couch - well, that is if you disregard walking from the couch to your front door to collect your meal! But what is this convenience doing to our bank accounts? It’s so easy to lose track of how much we are actually spending on meal deliveries and it can ultimately wreak havoc on our savings!
In today’s episode we will chat about how we can:
- Reduce those last minute Uber Eats purchases (and ultimately our overall weekly spend on food)
- Get some inspo for creative ways to meal prep (without having to give up our Sundays!)
- Find a way to meal prep that’s accessible and low effort
Meal delivery apps are here to stay, but we hope this episode gives you some ideas about how to be mindful of your spending, so that you can have your Uber Eats and save too!