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Welcome back for another episode of the Make that Money Hunni Podcast!
In this episode, we dive into the crucial topic of merging finances for couples who are moving in together or getting married.
Managing money as a couple can be both exciting and challenging, and we’re here to help you navigate this new chapter smoothly.
Whether you're deciding between joint or separate accounts, figuring out how to split bills fairly, or aligning your financial goals, we provide practical advice and real-life examples to help you set a strong financial foundation for your relationship. Tune in to learn strategies for budgeting, debt management, and future planning while keeping financial harmony at the center of your partnership.
In the example in the podcast, I use generic names John & Sarah to demonstrate a percentage calculation of joint finances. The calculation is below:
John earns $250,000 per year
Sarah earns $80,000 per year
Their Household Income is $330,000 per year
Their Joint Living Expenses are $5,000 per month.
Using the percentage model, we determine what each of their incomes are as a percentage of the total household income:
Sarah: 80,000/330,000 = 0.25 ~ 25%
John: 250,000/330,000 = 0.75 ~ 75%
We then apply each figure to their joint living expenses to determine how much each person contributes to the joint account per month:
Sarah 0.25 x $5,000 = $1,250 per month
John 0.75 x $5,000 = $3,750 per month
The same percentages can be used towards the $1,000 monthly saving goal, where John contributes $750 (0.75 x $1,000) and Sarah contributes $250 (0.25 x $1,000).
This is one of the most important concepts in talking about money as a couple and how to join finances, so if you'd like to work together, you can book a free consultation call here or check out my website for more details on how we can work together.
www.sandrajoe.com
Until next time, please be sure to share, follow or leave a review!
Go make that money hunni!
Sandra
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In this important episode, I explain why Canada was the first country in the G7 to announce an interest rate cut on June 4th, 2024 and what that means for investors, homebuyers, and personal spending.
I break down the decision process for the Bank of Canada into their government policy, factors that contribute to inflation and unemployment rates, and how the rate cute will impact home buyers and sellers in the coming years.
This rate announcement was a pivotal move that will have a flow-on effect into many different areas of finance, and this episode covers many of those topics.
We'll discuss:
Impact on Homebuyers: How the rate cut affects mortgage rates, affordability, and long-term financial planning.
Impact on Sellers: The potential influence on property values and the housing market dynamics.
First-Time Property Purchasers: What this means for those looking to enter the real estate market and how to leverage this opportunity.
Personal Spending: The broader implications for consumer spending, savings, and investment strategies, unemployment rates and inflation.
Tune in to get a practical explanation on navigating these changes in the changing interest rate environment. Whether you're planning to buy a home, sell property, or simply manage your personal finances, this episode provides essential knowledge to help you make informed decisions.
Thanks for listening and until next time, go make that money Hunni!
Sandra
Resources:
Financial Times Article
Rate Hub
Bank of Canada
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This episode is a refresher from my very FIRST episode, back in 2021 when I launched the Make That Money Hunni podcast, and is still one of my most popular episodes to date. Ep 1. Why Talking About Money is Important for Our Relationships
As we navigate the dating world, new relationships or coming out of long-term relationships or marriages, where financial stress was a huge contributor to previous relationship break-down, it becomes increasingly important to learn how to talk to your new partner about money, even in the early stages of dating.
One of the most important financial decisions a person will ever make, is their decision about who they marry and how that person can either amplify their success, or destroy it, so being aware of red flags, how to bring up challenging conversations and understanding the importance of ensure you're both on the same page about how money will be handled between the two of you, regardless of what you come into the relationship with, is becoming increasingly important in today's dating world.
This episode gives you ideas, conversation starters, and wisdom on just how important talking about money is in your new, mature or lasting partnership.
We’ll discuss why talking about money early on is so important, how to approach the subject without feeling awkward, and ways to ensure both of you are on the same page financially.
From discussing who pays the bill on dates to planning for larger expenses like vacations or shared living expenses, this episode covers it all. We’ll also touch on the importance of understanding each other’s financial backgrounds, expectations, and goals to avoid future conflicts.
Whether you’re just starting to date someone new or looking to strengthen your financial communication with a partner, this episode is packed with valuable insights to help you navigate these conversations with ease and confidence.
Don't forget to download, check out previous episodes for more financial wisdom, and connect with me on Instagram at @makethatmoney.hunni For more resources and to explore ways we can work together, visit www.sandrajoe.com. Let’s make those money talks less scary and more empowering!
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In today's episode, we tackle a fundamental yet often overlooked aspect of financial management: the emergency cash buffer.
Many people, regardless of income level, neglect to maintain a separate savings account for emergencies. Whether you're living paycheck to paycheck or are a high-income earner, an emergency fund is crucial for handling unexpected expenses without resorting to high-interest credit or disrupting your investments.
Join me as I explain what an emergency cash buffer is, why it's important for everyone, and how you can start building one today. From job market volatility to unexpected medical bills, having this financial safety net will provide you with peace of mind and stability.
I'll share practical tips on setting up your emergency fund, how much you should aim to save based on your unique circumstances, and strategies for maintaining and growing this essential financial tool.
If you find value in this episode, please download, share with a friend, and leave a five-star review. Let's work together to create lasting financial freedom and security. For more tips and ways to connect, visit me at sandrajoe.com and follow me on Instagram @makethatmoney.hunni
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In today's episode, we dive into the nitty-gritty of tax season—a topic we all dread but must face every year. Whether you're a salaried employee or a business owner, staying organized and understanding your tax obligations is crucial. I'll share insights from my experience and collaborations with accountants, covering everything from personal and fiscal year-ends to maximizing deductions and effective record-keeping.
We'll explore:
Key tax obligations for business owners and salaried employeesStrategies for organizing financial documents and receiptsMaximizing tax deductions and creditsThe importance of working with a qualified tax professionalPlanning for future financial milestones alongside retirement savingsRemember, the content of this episode is for informational and educational purposes only. Always consider your personal circumstances and consult with a tax professional before making any financial decisions.
Tune in to learn how to tackle tax season with confidence and set yourself up for financial success in the years to come. Don't forget to download this episode and check out our previous ones for more valuable insights and interviews. Let's get organized and make that money, honey!
Connect with me:
Instagram: @makethatmoney.honeyWebsite: www.sandrajoe.comIf you loved this episode, please share it with a friend or leave a five-star review. Your support helps us reach more ambitious individuals like you. Until next time, go make that money, honey!
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In this episode of the 'Make That Money Honey' podcast, I delve into the crucial topic of risk-taking in financial growth for millennials. Drawing from my experience as a certified financial planner and my journey in coaching ambitious women and couples, I highlight the key reasons many fail to increase their income, emphasizing the significance of taking calculated risks.
I cover practical advice on asking for raises, overcoming scarcity mindset, smart investing, diversifying portfolios, and the importance of financial coaching. I assert that making more money and achieving financial freedom requires a mixture of asking for what you're worth and learning to make your money work for you through informed investment strategies.
00:00 Welcome to the Make That Money Honey Podcast!
01:05 The Power of Taking Risks for Financial Growth
01:54 Mastering Salary Negotiations: Tips and Strategies
06:07 Overcoming the Scarcity Mindset and Embracing Investment
11:56 The Importance of Diversification in Investing
19:03 Setting Up for Financial Success: Long-Term Strategies
23:11 Closing Thoughts: Taking Calculated Risks and Seeking Guidance
Tune in to this episode for actionable advice on building more money in your entrepreneurial journey.
Don't forget to subscribe, share, and leave a review to help me reach more ambitious individuals like yourself. Connect with me on Instagram @makethatmoney.hunni or visit www.sandrajoe.com to explore opportunities for collaboration and financial empowerment.
Until next time, go make that money, hunni!
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In this episode of the Make That Money Hunni podcast, I'll delve into the crucial role of networking in building and expanding businesses across various industries.
Join me as I share my personal journey and insights on leveraging word-of-mouth referrals, delivering exceptional client experiences, and adopting practical strategies for forging meaningful business relationships. I'll stress the importance of giving value first and provide a roadmap for using your network to generate referrals without significant financial investment.
I'll highlight how offering quality service can lead to substantial business growth through recommendations from satisfied clients and collaborative partnerships.
The episode concludes with a call to focus on creating value for others as a pathway to receiving more in return, encouraging you to invest time in connecting and re-engaging with your network for mutual benefit.
00:00 Unlocking the Power of Networking for Business Growth
01:21 Welcome to the Make That Money Honey Podcast
01:27 The Journey from Financial Planner to Entrepreneur
02:21 Leveraging Personal and Professional Networks for Success
06:26 Maximizing Marketing Efforts with Minimal Spend
12:34 The Art of Building Meaningful Business Relationships
16:18 Harnessing the Power of Social Media Engagement
18:34 Delivering Exceptional Client Experiences for Referrals
20:35 Simple Strategies for Effective Networking
22:57 Concluding Thoughts and Next Steps
Tune in to this episode for actionable advice on building a thriving network and achieving lasting success in your entrepreneurial journey.
Don't forget to subscribe, share, and leave a review to help me reach more ambitious individuals like yourself. Connect with me on Instagram @makethatmoney.hunni or visit www.sandrajoe.com to explore opportunities for collaboration and financial empowerment.
Until next time, go make that money, hunni!
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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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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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