Welcome back to The Broke Generation! It’s that time of year where I sit down and think about the year ahead, what I want to achieve, and how I plan to do it, letting you listeners in on that journey. This annual tradition is all about sharing my personal goals for the year, and 2025 is no different. If you’ve been here before, you know this is where I spill on everything from practical habits to big, dreamy aspirations, all with a pinch of fun and zero pressure.

This year, I'm kicking off with 25 goals that are inspiring me—and maybe you—to approach life and finances with intention and creativity. Wardrobe challenges, quarterly resets, and everything in between—this year’s goals are all about finding clarity and creating meaningful change.

Episode highlights:

• Why I’m doing a no-clothes-buying year again, and what I learned last time.

• How to gamify fitness goals for consistency.

• The case for creating a quarterly reset routine to stay on track, for my finances and life in general.

• Setting bold yet flexible goals, like growing my Instagram community to 200,000 followers.

Ready to embrace your goals? Grab a cuppa and tune in.

Mentioned this ep:

Sophie Cliff's 'Create Your Joyful 5 Year Plan'

Check out my events in London and Sydney, including my book launch and a special session with Victoria (of The Comments Section fame)!

Order my book, Good with Money:

Australia: https://amzn.to/4eLOi5x

UK: https://www.amazon.co.uk/Good-Money-Reprogramme-Spending-Control

Where to find The Broke Generation

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

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Welcome back to This is the year... This week is one of my FAVOURITE weeks of the miniseries – getting financially organised. Is this the year you stop chasing your budget like a napkin blowing away in the wind?! YES IT IS!

In this episode, I share top tips for getting your financial admin in place to set yourself up for the year ahead.

Highlights:

• The psychology of sinking funds and why you need them
• Why getting financially organised creates momentum in your finances
• How to streamline your expenses (and why it'll change your finances)
• The power of a payday routine and how to create one.

This miniseries was created in partnership with PocketSmith: the personal finance software for all walks of life. Head to www.pocketsmith.com/thebrokegeneration to try it for yourself.

Mentioned in this episode:

• Bill streamlining calculator https://docs.google.com/spreadsheets/d/1r01f70S_8lZd26uF8jl9YJeKDajbaxnu6lMU6T6Ml-4/template/preview?fbclid=IwY2xjawHofH5leHRuA2FlbQIxMAABHddgIKqo9AZbF6VUWZnRR1LBO85p_kgGlAyRlgh2RxkulIFGHSblhyJ95g_aem_u30LQQdDI5dKl72vC5k83w

Where to find The Broke Generation

Website: https://thebrokegeneration.com/
Instagram: https://instagram.com/the.brokegeneration
TikTok: https://www.tiktok.com/@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 discuss our common personality trait of being a "pleasure to have in class" – that is, you were a pleasure to have in class as a child, and as an adult, you're hellbent on making a good impression, being polite, and rarely rocking the boat. But what happens when you DO need to rock the boat? And what happens when your inner pleasure to have in class collides with your inner raging feminist? We find out in this classically chaotic ep.

Once again, please accept my apologies for audio quality. Recording on the go is not my friend.

With thanks to our sponsors, Wallace Advocates and 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

Book: Know Your Worth, Victoria Vivente (9781923022430) — Readings Books

See omnystudio.com/listener for privacy information.