In this episode I chat to Cherie Clonan, founder of Melbourne social media agency The Digital Picnic. We talk about what it means to do business better, how you can be profitable and purposeful at the same time, and ways employers can better look after their staff – particularly post-pandemic.



Trigger warning: this episode touches on the themes of domestic violence and mental health.



Where to find Cherie + The Digital Picnic

Instagram: @thedigitalpicnic 

Website: www.thedigitalpicnic.com.au



-



Sign up to my weekly feel good finance newsletter www.thebrokegeneration.com/subscribe, where you’ll also nab access to my free 7 daily tasks to set up a budget.



Where to find me:

Instagram: @the.brokegeneration

Blog:The Broke Generation | Destination for Hot Mess Millennials



Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances. 

In this episode I chat to Cherie Clonan, founder of Melbourne social media agency The Digital Picnic. We talk about what it means to do business better, how you can be profitable and purposeful at the same time, and ways employers can better look after their staff – particularly post-pandemic.
 
Trigger warning: this episode touches on the themes of domestic violence and mental health.
 
Where to find Cherie + The Digital Picnic
Instagram: @thedigitalpicnic 
Website: www.thedigitalpicnic.com.au
 
-
 
Sign up to my weekly feel good finance newsletter <a href="http://www.thebrokegeneration.com/subscribe">www.thebrokegeneration.com/subscribe</a>, where you’ll also nab access to my free 7 daily tasks to set up a budget.
 
Where to find me:
Instagram: <a href="http://www.instagram.com/the.brokegeneration">@the.brokegeneration</a>
<a href="http://www.thebrokegeneration.com">Blog: </a><a href="http://www.thebrokegeneration.com/">The Broke Generation | Destination for Hot Mess Millennials</a><a href="http://www.thebrokegeneration.com"></a>
 
Disclaimer: Information contained in this podcast is general in nature and should not be considered financial advice, nor used to make a financial or investment decision. Please seek professional advice for information tailored to your own circumstances.

Feel good finance podcast, packed with frank and honest money conversations, and practical tips to help you be better with money.

The Broke Generation

Being a positively different employer

Ever wish you could do a quick return on investment calculation on that roomier flight ticket you’re eyeing off? It turns out, you kinda can! In this episode, I’m exploring the concept of Return on Investment (ROI) beyond its traditional business context, applying it to personal finance and everyday life. By adopting an ROI mindset, you can build financial confidence, wellness, and a positive relationship with your money. We'll dive into six key areas: spending, savings, debt, time, career, and self-investment. By making informed decisions tailored to your individual values and goals you can maximise those returns, regardless of whether they’re financial, lifestyle, or emotional. 

Thanks for investing your time listening to this episode and don't forget to give the ROI mindset a red hot go, and let me know what changes you're making over on socials!

Episode highlights:
Good debt or bad debt? Evaluating the ROI of debt can reveal whether it leads to valuable financial or lifestyle improvements.
Treating time as a currency allows you to make decisions that maximise your personal and professional returns.
Viewing yourself as an asset and investing in personal growth, skills, and well-being can yield significant long-term returns, enriching your life and career.

“Cultivating an ROI mindset allows you to assess how you are evolving and how you can evolve your financial behaviour to keep up with that evolution"
Emma [05:06]

“Having this transactional view of what am I putting in and what am I getting out can be really beneficial in helping you reclaim the decisions that you're making."
Emma [20:19]

“You are your own investment vehicle, baby. You can get yourself up and get stuff out of you that enriches your life."
Emma [27:14]



Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @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.

Ever wish you could do a quick return on investment calculation on that roomier flight ticket you’re eyeing off? It turns out, you kinda can! In this episode, I’m exploring the concept of Return on Investment (ROI) beyond its traditional business context, applying it to personal finance and everyday life. By adopting an ROI mindset, you can build financial confidence, wellness, and a positive relationship with your money. We'll dive into six key areas: spending, savings, debt, time, career, and self-investment. By making informed decisions tailored to your individual values and goals you can maximise those returns, regardless of whether they’re financial, lifestyle, or emotional. 
Thanks for investing your time listening to this episode and don't forget to give the ROI mindset a red hot go, and let me know what changes you're making over on socials!
Episode highlights:
<ul>
<li aria-level="1">Good debt or bad debt? Evaluating the ROI of debt can reveal whether it leads to valuable financial or lifestyle improvements.</li>
<li aria-level="1">Treating time as a currency allows you to make decisions that maximise your personal and professional returns.</li>
<li aria-level="1">Viewing yourself as an asset and investing in personal growth, skills, and well-being can yield significant long-term returns, enriching your life and career.</li>
</ul>
“Cultivating an ROI mindset allows you to assess how you are evolving and how you can evolve your financial behaviour to keep up with that evolution" Emma [05:06]
“Having this transactional view of what am I putting in and what am I getting out can be really beneficial in helping you reclaim the decisions that you're making." Emma [20:19]
“You are your own investment vehicle, baby. You can get yourself up and get stuff out of you that enriches your life." Emma [27:14]
 
Where to find The Broke Generation
Website: <a href="https://thebrokegeneration.com/?v=518f4a738816">https://thebrokegeneration.com/?v=518f4a738816</a>
Instagram: <a href="https://instagram.com/the.brokegeneration">https://instagram.com/the.brokegeneration</a>
TikTok: @the.brokegeneration 
<a href="https://www.booktopia.com.au/good-with-money-emma-edwards/book/9781761069741.html?irclickid=zopQlNUxJxyPRLx0C3XQa1a4UkFXPtypOwFfWc0&amp;utm_campaign=The%20Broke%20Generation&amp;utm_medium=affiliate&amp;utm_source=Impact&amp;bk_source=5023554&amp;bk_source_id=5023554&amp;irgwc=1">Order my book, Good with Money!</a>
Sign up to The Glue: the weekly money psychology and mindset newsletter<a href="http://www.thebrokegeneration.com/subscribe"> www.thebrokegeneration.com/subscribe</a>, where you’ll also get your free Financial Values workbook.

How to cultivate an ROI mindset across 6 areas of life and money

This week we’re cutting through the delulu about manifestation, money beliefs, and the practicalities of financial growth. Dissecting the difference between productive manifestation and delusional thinking, we’re emphasising the necessity of putting in the work to achieve your goals. It’s important to adopt a balanced approach, and recognise that while manifestation can set the stage for progress, it has to be accompanied by proactive steps towards your goals. We also look at societal influences on money beliefs, particularly for women across different generations and the generational shifts currently happening in attitudes towards financial autonomy.

This episode isn’t a gloomy take-down of manifestation, but an encouragement to think more critically about your attitude to ‘making this happen’. If this episode has got you curious about how you can add manifestation into you life, check out this episode Emma did with Kira Matthews: https://thebrokegeneration.com/blog/episodes/a-no-bs-guide-to-manifestation-with-kira-matthews-recast/?portfolioCats=362

Don’t forget to let us know your thoughts on our socials, and also let us know what else you’d like us to discuss in the comments section!



Where to find Emma

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @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

This week we’re cutting through the delulu about manifestation, money beliefs, and the practicalities of financial growth. Dissecting the difference between productive manifestation and delusional thinking, we’re emphasising the necessity of putting in the work to achieve your goals. It’s important to adopt a balanced approach, and recognise that while manifestation can set the stage for progress, it has to be accompanied by proactive steps towards your goals. We also look at societal influences on money beliefs, particularly for women across different generations and the generational shifts currently happening in attitudes towards financial autonomy.
This episode isn’t a gloomy take-down of manifestation, but an encouragement to think more critically about your attitude to ‘making this happen’. If this episode has got you curious about how you can add manifestation into you life, check out this episode Emma did with Kira Matthews: <a href="https://thebrokegeneration.com/blog/episodes/a-no-bs-guide-to-manifestation-with-kira-matthews-recast/?portfolioCats=362">https://thebrokegeneration.com/blog/episodes/a-no-bs-guide-to-manifestation-with-kira-matthews-recast/?portfolioCats=362</a>
Don’t forget to let us know your thoughts on our socials, and also let us know what else you’d like us to discuss in the comments section!
 
Where to find Emma
Website: <a href="https://thebrokegeneration.com/?v=518f4a738816">https://thebrokegeneration.com/?v=518f4a738816</a>
Instagram: <a href="https://instagram.com/the.brokegeneration">https://instagram.com/the.brokegeneration</a>
TikTok: @the.brokegeneration 
<a href="https://www.booktopia.com.au/good-with-money-emma-edwards/book/9781761069741.html?irclickid=zopQlNUxJxyPRLx0C3XQa1a4UkFXPtypOwFfWc0&amp;utm_campaign=The%20Broke%20Generation&amp;utm_medium=affiliate&amp;utm_source=Impact&amp;bk_source=5023554&amp;bk_source_id=5023554&amp;irgwc=1">Order my book, Good with Money!</a>
Sign up to The Glue: the weekly money psychology and mindset newsletter<a href="http://www.thebrokegeneration.com/subscribe"> www.thebrokegeneration.com/subscribe</a>, where you’ll also get your free Financial Values workbook.
Where to find Victoria
Instagram: <a href="https://www.instagram.com/bad.bitch.money/?hl=en">https://www.instagram.com/bad.bitch.money/?hl=en</a>
Newsletter: <a href="https://substack.com/@victoriashakeshaft?utm_source=podcast&amp;utm_medium=notes&amp;utm_campaign=tbg">https://substack.com/@victoriashakeshaft</a>

Manifesting and being delulu, how much is too much? The Comments Section with Emma and Victoria

Feeling stuck in your financial journey without a clue on how to move forward? Don't worry, you're in good hands! Today, I'm dishing out 7 essential principles to jumpstart your path to better finances this year. Whether it's reclaiming time for your passions or ditching the anxiety over looming bills, these steps may seem small but they pack a punch. Embracing progress, no matter how modest, paves the way for greater achievements down the line.

Have a listen and check out another episode which you may find helpful, Is it time to raise your money standards? You can also check out a heap of resources I’ve put together here.

Episode highlights:
Establish some form of financial structure for effective money management, whether it's through detailed budgeting or broader categorisation.
Allow yourself the flexibility to spend on certain indulgences within your budget, this can help maintain motivation and prevent feelings of restriction
Visualise your long-term goals and the person you want to become can make short-term sacrifices less daunting.

“[Have] some money set aside that you do not touch. Whether that is $100, whether it is $1,000, whether it is $10,000, a really good way to up your money standards and increase your commitment to what you're trying to do is getting used to having money in your possession that you do not touch."
Emma [19:54]

“Building in a break with your financial behaviour and financial goals before you feel like you need it can actually renew your motivation."
Emma [35:14]

“You need breaks from being perfect with money."
Emma [34:31]

Where to find The Broke Generation

Website: https://thebrokegeneration.com/?v=518f4a738816

Instagram: https://instagram.com/the.brokegeneration

TikTok: @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.

Feeling stuck in your financial journey without a clue on how to move forward? Don't worry, you're in good hands! Today, I'm dishing out 7 essential principles to jumpstart your path to better finances this year. Whether it's reclaiming time for your passions or ditching the anxiety over looming bills, these steps may seem small but they pack a punch. Embracing progress, no matter how modest, paves the way for greater achievements down the line.
Have a listen and check out another episode which you may find helpful, <a href="https://thebrokegeneration.com/blog/episodes/is-it-time-to-raise-your-money-standards/?portfolioCats=362">Is it time to raise your money standards?</a> You can also check out a heap of <a href="https://thebrokegeneration.com/shop/">resources I’ve put together here</a>.
Episode highlights:
<ul>
<li aria-level="1">Establish some form of financial structure for effective money management, whether it's through detailed budgeting or broader categorisation.</li>
<li aria-level="1">Allow yourself the flexibility to spend on certain indulgences within your budget, this can help maintain motivation and prevent feelings of restriction</li>
<li aria-level="1">Visualise your long-term goals and the person you want to become can make short-term sacrifices less daunting.</li>
</ul>
“[Have] some money set aside that you do not touch. Whether that is $100, whether it is $1,000, whether it is $10,000, a really good way to up your money standards and increase your commitment to what you're trying to do is getting used to having money in your possession that you do not touch." Emma [19:54]
“Building in a break with your financial behaviour and financial goals before you feel like you need it can actually renew your motivation." Emma [35:14]
“You need breaks from being perfect with money." Emma [34:31]
Where to find The Broke Generation
Website: <a href="https://thebrokegeneration.com/?v=518f4a738816">https://thebrokegeneration.com/?v=518f4a738816</a>
Instagram: <a href="https://instagram.com/the.brokegeneration">https://instagram.com/the.brokegeneration</a>
TikTok: @the.brokegeneration 
 
<a href="https://www.booktopia.com.au/good-with-money-emma-edwards/book/9781761069741.html?irclickid=zopQlNUxJxyPRLx0C3XQa1a4UkFXPtypOwFfWc0&amp;utm_campaign=The%20Broke%20Generation&amp;utm_medium=affiliate&amp;utm_source=Impact&amp;bk_source=5023554&amp;bk_source_id=5023554&amp;irgwc=1">Order my book, Good with Money!</a>
 
Sign up to The Glue: the weekly money psychology and mindset newsletter<a href="http://www.thebrokegeneration.com/subscribe"> www.thebrokegeneration.com/subscribe</a>, where you’ll also get your free Financial Values workbook.

Being a positively different employer

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