Episodi
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In this episode for Canadians, I talk about the different types of investment accounts, and how to use a Tax-Free Savings Account (TFSA) to start investing.
These accounts are highly beneficial for tax purposes and provide lots of opportunities to investors of all ages, as they don't incur a tax liability when you withdraw your funds.
There are many considerations to using these accounts, so this technical episode talks about all of the things you need to consider before starting to invest in a TFSA, how to get started, what your limits are and what to do with the money once you've made the contributions.
It also covers TFSA transferability from one financial institution to another, and how you can nominate a beneficiary.
For more information on contribution limits and government regulations about TFSAs, please visit:
https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/tax-free-savings-account/contributions.html
*Disclaimer* As with any of my episodes, you should always do your own research before making any financial, legal, tax or investment decisions to see if they are right for you and your personal circumstances. This episode is for general information and education purposes only, and government regulations are subject to change at any point without notice. You should not take this episode as advice or recommendations.
Thanks for listening and see you next time!
Sandra
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Whether it's starting something new, or doing more of something you know you should be doing, perfectionism can greatly affect the lives of many people (especially entrepreneurs) and hinder your progress by getting obsessed with the fine details.
This is something I'm personally all-too-familiar with, and especially in a highly regulated industry like Finance, I can really get obsessed with the details and facts of the content that I want to share both online and with clients. The problem is, that I want to be perfect and show up flawlessly, but in reality, that's just now efficient.
Can you relate?
In this episode, I talk about why we function as perfectionists, and how to break the debilitating cycle of self-doubt, fear and obsessive thoughts about what we want to do, but don't actually do.
So if you want to get out of your head and into your life, then this is the episode you've been waiting for! Enjoy!
If you'd like to learn more about ways that we can work together, check out my website at www.sandrajoe.com or connect with me on Instagram @makethatmoney.hunni
See you next time!
Sandra
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Episodi mancanti?
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In this episode, I give you 10 steps to follow if you're an entrepreneur or small business owner and have reached a plateau in your income.
It happens to all of us at some stage in our journey, so using these 10 steps can not only help you make smarter financial decisions, but also help you create new ideas for your business and ways to reach your customers.
1) Diversification of Income Streams
2) Enter into new markets or demographics
3) Have a pricing model that meets different budgets
4) Improve marketing strategies
5) Ask for client testimonials
6) Increase existing customer retention
7) Know your competition
8) Invest in technology & automation
9) Invest in personal growth and development
10) Be frugal with your spending in your early days of business
The content of this episode has personally helped me grow my business in 2024, and by choosing which (if not all) of these strategies is applicable to your business, you will likely be able to create a more sustainable income and grow your business.
If you liked this episode, please hit download so you can come back to it at a later date, share with a friend or tag me on social media:
@makethatmoney.hunni on Instagram or visit my website www.sandrajoe.com for more information on how we can work together.
See you soon!
Sandra
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More than ever, I'm hearing people complain that no matter what they do, they just can't seem to get ahead financially. Then I ask them what they're doing, and I hear crickets.
The reality is that YES the cost of living is increasing, and wages haven't kept up with inflation, but that's not the only reason why so many people are broke.
In this episode, I'll touch on the Top 10 Reasons People are Broke and also what to do about it!
Check it out and let me know if you have any to add!
By the way, if you listen all the way through, I am hosting a 50% Black Friday Sale on all my Virtual Courses and Starter programs from now until Nov. 30th so use code "BLACKFRIDAY50" at checkout for huge savings on courses and bundles.
Visit www.sandrajoe.com/courses for more details and to purchase.
Start 2024 on the right foot this time. Let's go make some MONEY!
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In this episode, I talk about how high interest rates are having not only a negative impact on property owners, but in many cases on renters as well.
When Landlords cannot afford their mortgage payments, they are forced to make risky decisions, such as rent-eviction or selling their property at below market value. Which do they choose? What are the risks and potential downside of rent-eviction?
There is a huge ripple effect of the high interest rates. It's forcing the hourly wage workers out of their homes, into rural areas where they can afford cheaper rent, moving in with their parents or going back to school. This clearly affects retail businesses ability to hire staff and employee retention, as well as corporate employers being required to have flexible work arrangements to accommodate out-of-city employees.
So how do we fix this? What can people do to protect themselves and be proactive in the meantime, so they don't bankrupt themselves while they wait for the decline in interest rates?
Listen to this episode to find out exactly what strategies I'm advising my clients on, and how you can get on the front foot in a challenging economy.
Thanks for listening and see you next time!
Sandra
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Wowee, it's been 6 months since my last podcast episode and what a hiatus that has been! It has been a year of fun, self-discovery, new projects and more!
But what I love about September is that it feels like a time to turn the page, give one last kick at the can for the year and really set yourself up for the New Year if you do it properly. A lot of people fall off track during the summer months; physically, mentally & financially. This episode is the sign from the universe to kick start your action plan and focus in on the ONE pillar that you've been neglecting the most.
1) Health
2) Relationships
3) Money
4) Career
Which one is causing you the most stress right now? When you focus on this area, it will have a ripple effect into the other areas of your life and help you get the momentum you need to change your life.
Listen now, listen to the whole thing, and share with a friend or tag me on social media @makethatmoney.hunni if this episode resonates with you!
In this episode I mention two books:
Happy Days by Gabby Bernstein
&
Ego is the Enemy by Ryan Holiday
If you want to connect with my therapist, her instagram is @gabybalsells. She also has a great podcast called Love 101
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Relationships are difficult all around, especially if you are a dedicated and focused person who has spent a significant amount of time working on your career. Sandra is joined by Molly Godfrey to discuss relationship advice for career-driven people trying to alter their luck in the dating world. It is important to recognize your own worth so that you might discover someone who shares your worth. Tune in for more helpful advice that can help you find the partner you desire.
Molly Godfrey is the CEO of Successful Love, a viral content developer, and the "go-to" dating and relationship counselor for successful single women in their 30s. She has been featured on the Today Show, InStyle, and Bustle as a trusted love adviser, assisting her clients in becoming unstuck and landing their dream relationship. She works with successful women and CEOs who are weary of the maddening cycles of far too much work and far too little love — and are ready to open themselves up to genuine connection and long-term relationships. She is about to begin her trademark three-month program, Rock Your Next Partnership, a 90-day intense group counseling experience designed to assist women transition from a random match to a committed relationship.
*Connect with Molly on IG @askformolly & LinkedIn https://www.linkedin.com/in/molly-godfrey/
*If you are looking to join Molly's program check out her website: https://www.successfullove.com/program
* Connect with me on IG @makethatmoney.hunni
* Check out my website: https://www.sandrajoe.com/
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In this episode I give you real examples of two strategies that you can choose from to join finances as a couple.
Whether you're married, co-habitating , or planning on moving in together, these simple strategies can save you time, energy and ambiguity in the future when it comes to deciding how much you're each going to contribute to the household expenses.
Joining finances can be tricky, as everyone has a different Money Story, so be mindful that this should be an open conversation with your partner, where you both agree on what works best for you.
There's no right or wrong answer here, and you may find that neither of these strategies work for your household, so if that's the case, you can sit down and map out a plan of who pays for what, so you are both in agreement moving forward.
The most important part of joining your finances, is that you both come to a mutual agreement about what works for YOU, so you can both feel confident in managing your personal and couples finances moving forward.
Save this episode, listen with your partner, and try the calculations yourself!
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Finding our self-worth at work is the most difficult thing we can accomplish. We become locked in the attitude that it is normal to struggle in positions we don't enjoy and pass up opportunities we know we would be a fantastic fit for in order to achieve our career goals. For many, this mindset is not only applicable to work but goes for life outside of work as well.
Sandra is joined by Shelly Kay to discuss what actions you need to take in your job to get to where you want to be, as well as how to change your thinking to generate greater confidence in your talents. If you've been avoiding talking to your manager about that position you've been eyeing because you're afraid you'll mess it up, today's episode is for you!
Shelley is a career coach who used to be an HR leader. She spent over a decade in human resources at top Fortune 100 firms (think: Google, etc.) before launching her own coaching business to assist career-driven women develop occupations that they are passionate about and that support a balanced lifestyle. Shelley thinks that any woman can have it all - a meaningful profession, advancement, and healthy health and relationships - and she is committed to providing women with the skills to do so.
*Connect with Shelly on LinkedIn https://www.linkedin.com/in/shelleykay/
*For more information about Shelly's services check out her website: https://www.shelleykaycoaching.com/
* Connect with me on IG @makethatmoney.hunni
* Check out my website: https://www.sandrajoe.com/
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2023 has proven to be one of the most interesting property markets we’ve experienced in our generation so far, with interest rates continuing to rise from 2022 levels, Governments trying to curb inflation and discretionary spending and property demand declining for the first time in years.
In this episode, I explain some easy strategies to protect yourself if you are thinking about getting into the market for the first time. I also talk about sound financial decisions that you can make in conjunction with property purchase, how you can use extra cash savings to your advantage, and other strategies that you can use to get ahead financially, even in a challenging economy.
If you’re interested in leveraging your first property and eventually buying a second, make sure to listen to the end of the episode about how to go about using your primary residence as a way to build wealth and leverage it for future home purchases.
If you or anyone you know is looking for strategy planning around a first or second property, this is a fantastic reason to reach out to me for my Private Client Coaching program, and how we can take a holistic approach to your overall financial picture and how property can play a key part of your investment plan.
As always, thanks for listening and be sure to share this episode with a friend, family member or colleague so I can get the word out there to as many people as possible!
See you next time,
Sandra
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We've all been promised that by taking this magical pill, we'll be able to perform like Bradley Cooper in Limitless. However, you already have a magical pill, and it's not even a pill; it's sleep.
Sandra is joined by April Likins for a second episode, continuing their conversation and focusing on sleep and how much of a superpower it is! Sleep provides several mental and physical advantages. So, whether you've been battling to get high-quality sleep or want to learn how to enhance your sleep, this episode is chock-full of useful information!
April Likins is a board-certified health coach, trained at both Duke Integrative Medicine and the Institute for Integrative Nutrition. Driven by her own experience hitting burnout, which led to a health collapse, she's fiercely passionate about helping women thrive inside and out. April's specialty is helping professional women and female entrepreneurs reduce stress, find balance, and feel the joy and freedom to walk in their purpose, passions, and callings.
Connect with April:
Instagram: @glowbelovely
LinkedIn: https://www.linkedin.com/in/aprilfreerlikins/
15 Ways To Say Goodbye To Chronic Stress For Good: https://aprillikins.com/how-to-reduce-stress
Set Up Coffee Chat with April: https://calendly.com/alikins/20-minute-discovery-call?month=2022-11
HeartMath Institute: https://www.heartmath.org/
Connect with me:
* Connect with me on IG @makethatmoney.hunni
* Check out my website: https://www.sandrajoe.com/
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My most vulnerable and honest episode yet. In the final months of 2022, I had one bad thing after another continue to happen, including a relationship break-down, struggling business, family drama and health issues.
This is a tell-all episode where I get real and raw of the hardships I experienced, my unhealthy coping mechanisms and what finally made the lightbulb switch on for me that enough is enough.
To celebrate my 75th episode, I recorded this yesterday on Valentine's Day 2023, single, currently in Melbourne, Australia where I had an epiphany about what's truly important in life, and how to pull ourselves out of a dark time.
Help me celebrate this large accomplishment by sharing my 75th episode, sending me a message or simply letting me know that you resonated with this.
Thank you for listening and supporting the Make That Money Hunni Podcast! More exciting episodes to come!
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Brooke Bailey delivers integrated business and wellness coaching solutions that help entrepreneurs amplify their influence and expand their wealth without burnout. Her vision is to normalize a balanced approach to entrepreneurship in which all women business owners can experience success without sacrificing their health.
Brooke combines her expertise in both Eastern and Western approaches to self-awareness, productivity, and wellness to guide high-achieving women CEO's grow their businesses and double their impact. She teaches entrepreneurs how to adopt simple, but profound daily practices to allow them to rest, refocus their energy and regain an ongoing sense of balance in every area of their lives.
Check out Brooke's website for more info: www.sbrookebailey.com
* Connect with me on IG @makethatmoney.hunni
* Check out my website: https://www.sandrajoe.com/
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When you scroll through your Instagram feed, what do you see? Most likely a bunch of highlights of the people that you follow. What you don't see is the everyday things that those people go through.
When all you see on social media is the perfect lives of whoever you follow, it can make you feel like you're inadequate or question why your life isn't as perfect as theirs. Comparing your life and achievements to what other people are doing can be a detriment to your life. Focus on what you're doing and work to get better one day at a time.
* Connect with me on IG @makethatmoney.hunni
* Check out my website: https://www.sandrajoe.com/
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Sandra interviews Dr. Ahava Shira, a poet, author, and writing mentor, about her journey to becoming a writer and how she uses writing to empower women.
"The biggest thing is giving people permission to explore, to open up, to expand, to play."
Dr. Ahava Shira is a poet, author, and writing mentor who helps writers cultivate self-love and deep connection with themselves and others. Through her transformative writing programs, Ahava creates safe, nurturing spaces where writers are supported to free their voices, tell their stories, and develop supportive and compassionate relationships with themselves and other writers.
Dr. Ahava Shira is a poet, author, and writing mentor who helps writers cultivate self-love and a deep connection with themselves and others. She does this through her transformative writing programs, which create safe and nurturing spaces for writers to express themselves freely. In her 35 years of writing experience, she has learned that it is essential to give writers permission to explore their own voices and to be messy in their writing. This allows them to find their own unique styles and to connect more deeply with their stories.
In this episode, you will learn the following:
1. How Ahava Shira became an author and poet, and the importance of writing as a tool for self-expression and healing.
2. The different writing programs and workshops offered by Ahava Shira, and how they create safe spaces for women to explore their voices and stories.
3. The importance of listening deeply and with compassion, and how this can create intimacy and connection in relationships and communities.
Connect with Ahava:
Website: lovinginquiry.com
Email: [email protected]
Narrative Healing Community: https://narrativehealing.com/
International Association for Journal Writing: https://iajw.org/
Get a copy of her book: https://writingalonetogether.com/
Connect with me:
Instagram: https://www.instagram.com/makethatmoney.hunni/
LinkedIn: https://www.linkedin.com/in/sandrajoe/
Website: https://www.sandrajoe.com/
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Buying self-help books and courses designed by someone with cookie-cutter ideas that aren't applicable to all businesses is a waste of time! Sandra discusses the importance of ambition, intelligence, and self-worth when creating or scaling a business. Too many people fall into the trap of never applying their knowledge and expertise to the sector they want to work in. Don't let a lack of confidence in yourself and your ideas derail you. Even the most successful entrepreneurs had to experience failure in order to excel in their industry.
* Connect with me on IG @makethatmoney.hunni
* Check out my website: https://www.sandrajoe.com/
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Are you feeling overwhelmed and stressed out all the time? Are you having a hard time focusing on anything or feeling depressed? Are you feeling like you'll end up burning out if you don't take care of yourself?
"The body is always communicating with us, sending signals and signs, much like the car dashboard lights can communicate when things are awry or something's low and it alerts you."
April Likins is a board-certified health coach, trained at both Duke Integrative Medicine and the Institute for Integrative Nutrition. Driven by her own experience hitting burnout, which led to a health collapse, she's fiercely passionate about helping women thrive inside and out. April's specialty is helping professional women and female entrepreneurs reduce stress, find balance, and feel the joy and freedom to walk in their purpose, passions, and callings.
In 2013, April hit burnout after her dad passed away. She had been working excessively and not taking care of herself and it led to a complete health collapse. April was bedridden for about a year and a half and saw dozens of doctors and specialists to figure out what was wrong with her. She realized that she had been using work as a coping mechanism to avoid her feelings and that this had weakened her immune system and set her up for burnout. April now works with clients to help them prevent burnout by checking in with themselves regularly and listening to their bodies. She also advises them to set healthy boundaries around work and ensure they get enough sleep.
In this episode, you will learn the following:
1. The importance of regular check-ins with oneself to identify needs for physical and emotional health
2. The need to set healthy boundaries around work in order to prevent burnout
3. The importance of quality sleep in reducing stress and preventing burnout
Connect with April:
Instagram: @glowbelovely
LinkedIn: https://www.linkedin.com/in/aprilfreerlikins/
15 Ways To Say Goodbye To Chronic Stress For Good: https://aprillikins.com/how-to-reduce-stress
Set Up Coffee Chat with April: https://calendly.com/alikins/20-minute-discovery-call?month=2022-11
HeartMath Institute: https://www.heartmath.org/
Connect with me:
Instagram: https://www.instagram.com/makethatmoney.hunni/
LinkedIn: https://www.linkedin.com/in/sandrajoe/
Website: https://www.sandrajoe.com/
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When it comes to starting a business, we all have to start somewhere. There are ups and downs in entrepreneurship, and it can be challenging to guide yourself through these. Sandra discusses what markers to look for in your business so that you can earn a steady salary while maintaining a healthy profit margin. It's the perfect episode if you are aspiring to upscale your business or simply want to get it off the ground!
* Connect with me on IG @makethatmoney.hunni
* Check out my website: https://www.sandrajoe.com/
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Gabby Balsells is a couples therapist and relationship coach who helps individuals and couples build happy partnerships rooted in deep connection and self-worth. She also specializes in working with bicultural couples to merge their different worlds and support them in creating a relationship by their own design.
"I help you stress less and connect more."
In this episode, you will learn:
1. The correlation between relationship coaching, couples therapy, and financial coaching.
2. The importance of being proactive in planning for big transitions in a relationship.
3. The energy expended on thinking about things, rather than actually dealing with them.
Gaby recently started offering premarital therapy, which led her to examine the curriculum around relationships and money more closely. She realized that there was a big missing piece around financial literacy and education for couples. This year, she started including a finance module in her premarital therapy to help couples learn about money and communication around finances.
Connect with Gaby:
Check out Gaby's podcast: https://podcasts.apple.com/us/podcast/love-101/id1647034406
Connect with Gaby on IG @gabybalsells
Connect with me:
Instagram: https://www.instagram.com/makethatmoney.hunni/
LinkedIn: https://www.linkedin.com/in/sandrajoe/
Website: https://www.sandrajoe.com/
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If you're a woman who wants to learn how to better manage your finances, you're probably tired of being told that you just need to save your money. Saving your money is important, but it's not the only thing you need to do to achieve financial success.
"The number one reason why you're just not earning as much is because you're simply not asking."
In this episode, you will hear the following:
1. The number one reason why you're not earning as much as you'd like
2. The confidence that it requires to negotiate within our existing jobs
3. Pricing your services appropriately
Connect with me:
Instagram: https://www.instagram.com/makethatmoney.hunni/
LinkedIn: https://www.linkedin.com/in/sandrajoe/
Website: https://www.sandrajoe.com/
Links: https://www.sandrajoe.com/links
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