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Welcome back to The Monthly Wrap, where I take you through an overview of life, money and business. This month I take you through September, adjusting to life as part-stay-at-home-mum-part-self-employed-business-owner, share my first advent calendar purchase, and the slow but steady stabilisation of post-post-partum financials. Thanks again to PocketSmith for being the official partner of The Monthly Wrap. Head to www.pocketsmith.com/thebrokegeneration to get 50% off your first two months of the standard plan. See omnystudio.com/listener for privacy information.

This week I'm hitting replay on an episode from my The Wardrobe Project mini series last year! The year I chose not to buy clothes was one of the most transformative things I ever did for my confidence and my finances, and I'm telling all in this episode.  Welcome back to episode 3 of The Wardrobe Project mini series! For our final episode I'm talking about the other side of the coin: what happens when you complete a year long experiment to not buy a single item of clothing? How does it feel? Did anything change? And what is life like on the other side of an obsession with clothes? I tell all in this final episode of the series. Mentioned in this episode Podcast episode: What's it like to buy again after a year long wardrobe freeze?: https://open.spotify.com/episode/7cokG9nD8HHgHXsCeA3hIo?si=cd9d5345eaec4c1b If you've enjoyed this mini series I'd so appreciate you snapping up a preorder of the book! Your receipt will get you access to an upcoming webinar and the ability to enter the prize draw that's coming very soon. Stay tuned for more info!  Preorder your copy below or Google search "The Wardrobe Project Emma Edwards" for local results in your region. Order in Australia/NZ: https://amzn.to/3Jatx9x  Non-Amazon AU/NZ options: Booktopia  Order in the UK: https://shorturl.at/fKH5O  Non-Amazon UK: Bookshop.org  Order in the US: https://shorturl.at/9KNyb  Order in Canada: https://shorturl.at/PgcJx    See omnystudio.com/listener for privacy information.

This week we're hitting replay on one of your favourite episodes of the podcast ever. In this solo episode I'm taking you three behavioural turning points that fundamentally changed my finances forever. From identifying cycles that are keeping you stuck to always investigating the beliefs that your behaviour is upholding, this punchy ep is a masterclass in owning your own financial mindset and making positive change. Where to find Emma Website: https://thebrokegeneration.com/Instagram: https://instagram.com/the.brokegenerationTikTok: 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.

Welcome back to The Monthly Wrap, where I take you through an overview of life, money and business. This month's episode is a combo episode of July and August as I have recently welcomed my first baby into the world. Buckle in for chats on the financial aspect of pet loss, navigating finances through grief and joy, the duality of love and loss, postpartum impulse purchases, and approaching my finances with a whole new outlook as a mum. Thanks again to PocketSmith for being the official partner of The Monthly Wrap. Head to www.pocketsmith.com/thebrokegeneration to get 50% off your first two months of the standard plan. See omnystudio.com/listener for privacy information.

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In this episode, I reflect on five things I did around five years ago that are paying off in a big way now — from scrappy investing beginnings to mindset shifts that changed everything. It's a reminder that small, imperfect actions compound over time in ways you simply can't see when you're in the thick of it. Key takeaways: Starting to invest with just $5 a week can grow into something significant — consistency beats waiting for the "perfect" moment Paying off debt isn't just about clearing a balance; it builds the behavioural habits that fund every financial goal that comes after Delaying a lifestyle upgrade by even one or two years can mean making the move from a far stronger financial foundation Staying in a "comfortable" job can be just as costly as staying in a bad one  Letting go of a victim mindset around money (like "I just got unlucky") is what opens the door to actually changing your situation The hardest part of any financial goal is the early stages — but looking back is one of the best tools for staying motivated to keep going. See omnystudio.com/listener for privacy information.

I'm not being dramatic when I say my side hustles changed my life and finances forever. They truly did, both from a numbers perspective and in terms of my career. But nothing happens overnight! In this episode I'm talking through the 4 main side hustles I've had that've changed my life forever, including tips and advice on getting started yourself, and insights from everything I've learned along the way. See omnystudio.com/listener for privacy information.

In this episode I'm joined by Trish Gregory from our new podcast partner, Hayes & Co, to talk all things personal insurances. Insurance is one of the less sexy sides of personal finance, but it can actually have a profound impact on your financial future.  In this episode we talk about the role of insurance in building your financial confidence, the types of insurance you can get and what it can offer, and how to take insurance matters out of the too hard basket. Book a meeting with Trish to discuss your insurance requirements: https://calendly.com/trish-hcis/initial-insurance-meeting-bg Content contained in this episode is for educational purposes only and does not consider your personal circumstances. Broke Media Pty, trading as The Broke Generation (ABN: 22 681 944 141) is a Corporate Authorised Representative No. 001322176 of Rask Licensing Pty Ltd (ABN: 32 681 073 478) (AFSL: 563 907). The information, tools and content provided are general financial advice only. That means the advice does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate before acting. Always read the PDS and TMD before making any decision. If you are unsure, seek personal financial advice from a licensed adviser. Please read our Privacy Policy and Financial Services Guide. Past performance is not indicative of future returns. Investing always carries risk of loss. See omnystudio.com/listener for privacy information.

Welcome again to another monthly wrap where I take you through an overview of what's been going on in my life, money and business. This is the last monthly wrap until August so buckle in for a bumper episode as I yap about all things new foundation, winding down work for maternity leave, and navigating the massive life change that's about to come.  Thanks again to PocketSmith for being the official partner of The Monthly Wrap. Head to www.pocketsmith.com/thebrokegeneration to get 50% off your first two months of the standard plan. See omnystudio.com/listener for privacy information.

In this episode I'm joined again by Tash Etschmann from Tash Invests to dissect a particularly eye opening mortgage misconception I found on Reddit. A true lesson in why financial literacy and mortgage education should be a duty of care from lenders to would-be mortgage holders, we unpack how one first home buyer thought they were going to be making repayments at over 90% of their take home pay after a miscalculation blunder. See omnystudio.com/listener for privacy information.

In this episode, I explore how replacing a rigid financial map with a values-driven compass can transform the way you manage money. Rather than chasing fixed numbers and linear plans, I share why understanding your deeper values leads to better financial decisions — especially in a world where careers, costs, and life circumstances are constantly shifting. Key takeaways: Why rigid financial plans fail to account for real life changes The difference between a financial "map" vs. a financial "compass" How your values — not numbers — should guide your money decisions The three types of money values: spending values, short-term priorities, and big-picture values Why skipping the values work means you may reach your goals but still feel empty How a compass approach helps you honour both present and future you along the way See omnystudio.com/listener for privacy information.

In this episode I'm joined by Tash Etschmann of Tash Invests to discuss the concept of lifestyle creep versus values-based spending, and how we keep on top of small expenses adding up while still enjoying our money and experiencing life now. Inspired by my recent $21 spend on coffee and hash browns on hotel room service, we unpack value versus values, the psychological concept of category limits, simplifying financial decisions with money rules, and keeping spending runways in check before they derail your progress. See omnystudio.com/listener for privacy information.

In this episode I'm talking about a VERY important part of any goal: the pointless phase (don't worry, I'll explain). Nobody ever speaks about this aspect of personal finance, and often the advice we hear is coming from people on the other side of that struggle, leaving us psychologically disconnected from what we're being told. When we learn to recognise the pointless phase when we're in it, we can stay the course, get over the pointless hump, and finally start seeing progress.  See omnystudio.com/listener for privacy information.