Do we all really need a budget? And if we do… why does it feel so intimidating (and kind of boring)?
In this episode, we’re reframing budgeting as something a little less restrictive—and a lot more useful. You’ll hear why budgets aren’t about rules, and how a good budget can actually help you say yes to more of the awesome stuff in life.

We chat to Reagan White from Where’s My Money about how getting real with the numbers helped him avoid financial panic, and we ask Ruth Henderson (aka The Happy Saver) whow your personality can shape the kind of budget that actually sticks—especially when you’re budgeting with someone else.

Plus, we’ve got a simple activity to help you plan for those sneaky annual expenses (hello birthdays and Christmas) before they sneak up on you again.

This is the third episode of the Wealth Kick, a limited series to change your perspective on money for the new year. Until the end of January, we’re serving up a little financial soul-searching, easy exercises you can use anywhere, and a few wacky stories.

This is the third episode of the Wealth Kick, a limited series to change your perspective on money for the new year. Until the end of January, we’re serving up a little financial soul-searching, easy exercises you can use anywhere, and a few wacky stories.

Disclaimer: Shared Lunch is brought to you by Sharesies Limited (NZ) in New Zealand. It is not financial advice. Information provided is general only and current at the time it’s provided, and does not take into account your objectives, financial situation and needs. We do not provide recommendations and you should always read the disclosure documents available from the product issuer before making a financial decision. Our disclosure documents and terms and conditions can be found on our NZ website.

Investing involves risk. You might lose the money you start with. If you require financial advice, you should consider speaking with a qualified financial advisor. Past performance is not a guarantee of future performance.

Appearance on Shared Lunch is not an endorsement by Sharesies of the views of the presenters, guests, or the entities they represent. Their views are their own.

Do we all really need a budget? And if we do&hellip; why does it feel so intimidating (and kind of boring)? In this episode, we&rsquo;re reframing budgeting as something a little less restrictive&mdash;and a lot more useful. You&rsquo;ll hear why budgets aren&rsquo;t about rules, and how a good budget can actually help you say&nbsp;yes to more of the awesome stuff in life.
We chat to Reagan White from Where&rsquo;s My Money about how getting real with the numbers helped him avoid financial panic, and we ask Ruth Henderson (aka The Happy Saver) whow your personality can shape the kind of budget that actually sticks&mdash;especially when you&rsquo;re budgeting with someone else.
Plus, we&rsquo;ve got a simple activity to help you plan for those sneaky annual expenses (hello birthdays and Christmas) before they sneak up on you again.
This is the third episode of the Wealth Kick, a limited series to change your perspective on money for the new year. Until the end of January, we&rsquo;re serving up a little financial soul-searching, easy exercises you can use anywhere, and a few wacky stories.
This is the third episode of the Wealth Kick, a limited series to change your perspective on money for the new year. Until the end of January, we&rsquo;re serving up a little financial soul-searching, easy exercises you can use anywhere, and a few wacky stories.
Disclaimer: Shared Lunch is brought to you by Sharesies Limited (NZ) in New Zealand. It is not financial advice. Information provided is general only and current at the time it&rsquo;s provided, and does not take into account your objectives, financial situation and needs. We do not provide recommendations and you should always read the disclosure documents available from the product issuer before making a financial decision. Our disclosure documents and terms and conditions can be found on our NZ website.
Investing involves risk. You might lose the money you start with. If you require financial advice, you should consider speaking with a qualified financial advisor. Past performance is not a guarantee of future performance.
Appearance on Shared Lunch&nbsp;is not an endorsement by Sharesies of the views of the presenters, guests, or the entities they represent. Their views are their own.

A conversation with experts, CEOs, and you. We talk to company leaders and industry experts every week. Listen or watch over lunch or whenever for what’s happening in the economy, the markets, and the companies you invest in.

Investing involves risk. This channel is brought to you by Sharesies Australia Limited (ABN 94 648 811 830; AFSL 529893) in Australia and Sharesies Limited (NZ) in New Zealand. Information provided is general advice only and current at the time and does not take into account your objectives, financial situation and needs. We do not provide recommendations and you should always read the product disclosure documents available from the product issuer before making a financial decision. Our disclosure documents, including a Target Market Determination for Sharesies, can be found on our website at https://sharesies.com.au/disclosures. If you require financial advice, you should seek advice from a qualified financial advisor. The views expressed by individuals are their own and Sharesies does not endorse any of the guests or the views they hold.

A conversation with experts, CEOs, and you. We talk to company leaders and industry experts every week. Listen or watch over lunch or whenever for what&rsquo;s happening in the economy, the markets, and the companies you invest in.
Investing involves risk. This channel is brought to you by Sharesies Australia Limited (ABN 94 648 811 830; AFSL 529893) in Australia and Sharesies Limited (NZ) in New Zealand. Information provided is general advice only and current at the time and does not take into account your objectives, financial situation and needs. We do not provide recommendations and you should always read the product disclosure documents available from the product issuer before making a financial decision. Our disclosure documents, including a Target Market Determination for Sharesies, can be found on our website at <a href="https://url.au.m.mimecastprotect.com/s/2omdCnxynQczLx1Mh9fPTJsKXn?domain=sharesies.com.au">https://sharesies.com.au/disclosures</a>. If you require financial advice, you should seek advice from a qualified financial advisor. The views expressed by individuals are their own and Sharesies does not endorse any of the guests or the views they hold.

Shared Lunch

Wealth kick #3: The joy of excel

https://api.omny.fm/orgs/7784f840-c291-422a-924b-ad9000bbad71/clips/1a99b225-e51c-4acc-9f39-b3d2007d5e9e/transcript