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22 minutes | Jun 26, 2020
Ep.056 Adding Up - Successfully Saving Money, When You Don't Have Savings
Successfully Saving Money, When You Don't Have Savings Welcome to another episode of Adding Up the podcast where I, Serena Dot Ryan am sharing my experiences with money as I become debt free. In this episode: Savings Tip of The Week - How do you start saving when you're not used to it? Inspired by Mike Michalowicz author of Profit First , this week's tip is to hide money from your biggest obstacle, yourself! I show how I have created a hidden savings account to protect my money from me! Book Of The Week - Debt by David Graeber. My Weekly Money Challenge - This week I tackle the challenge of the viability of re-starting to pay my mortgage. Should I do it? What are the pros and cons. How do I break my old habits of ignoring tough decisions when faced with so many unknowns. --- Send in a voice message: https://anchor.fm/serena-dot-ryan/message
20 minutes | Jun 19, 2020
Ep.055 Adding Up - How Much Does Appreciation Cost?
How Much Does Appreciation Cost? Welcome to another episode of Adding Up the podcast where I, Serena Dot Ryan am sharing my experiences with money as I become debt free. In this episode: Savings Tip of The Week - October 2018 I decided to audit my expenses, one of the casualties of this was to stop having a cleaner every 2 weeks and no longer have a gym membership. Interestingly enough I discovered great unexpected benefits to this. Cleaning the house is great exercise! Book Of The Week - Profit First by Mike Michalowicz whilst written for Entrepreneurs for better money management, in this episode I share why I believe this book is for everyone and what you can gain from it. My Weekly Money Challenge - This week I tackle the challenge of buying gifts and the relationship between how much the gift costs and how much you love someone. --- Send in a voice message: https://anchor.fm/serena-dot-ryan/message
20 minutes | Jun 12, 2020
Ep.054 Adding Up - Can You Really Live Without That?
Can You Really Live Without That? Welcome to Episode 54 of Adding Up. In this episode: Savings Tip of The Week - My curiousity led me to have my first coffee at 15 years old, in this episode I share how this lead to a very expensive daily habit and how I changed this habit without compromising quality and saving myself and my family thousands in the process. Book Of The Week - I read this book first in 2017, but it took a full 12 months before I took action, or so I thought. The Barefoot Investor by Scott Pape. My Weekly Money Challenge - This week, just when I thought I wasn't thinking about money or being challenged by it, I discovered I was. It's funny how when you spend so much time learning about money management consistently for almost 2 years it starts to be absorbed into your life you don't even see it. For that I am grateful. --- Send in a voice message: https://anchor.fm/serena-dot-ryan/message
19 minutes | Jun 5, 2020
Ep.053 Adding Up - Starting Where You Are, Again
Starting Where You Are, Again Welcome to another episode of Adding Up, the podcast with Serena Dot Ryan. Happy New Year! This is the moment the podcast is entering its 2nd year and with that comes a refresh and a new format. This episode details the reflection and thinking behind this. Each episode will now include, a spotlight on a book or podcast, a savings tip that can be easily actioned and a documentation and reflection on my weekly challenges with money. Mentioned in Episode 53, Adding Up: Book: Your Money Or Your Life - Vicki Robin Savings Tip: Write a grocery list with a set budget including the amount of each item. If you're not sure where to start, go to the grocery store online and look up the cost of each item. Money Challenge: Are My Financial Decisions Racist? How Can I Do Better? Also mentioned: Sway Them In Color Podcast Hosted by Christina Blacken. --- Send in a voice message: https://anchor.fm/serena-dot-ryan/message
20 minutes | May 29, 2020
Ep.052 Adding Up - When Stopping Debt Payments Messes With Your Head
When Stopping Debt Payments Messes With Your Head Welcome to another episode of Adding Up. One year ago this week I decided to push the button and start publicly sharing my challenges with money and learning from my money mistakes, how I'm gaining financial education and most importantly, re-writing my financial future. In this episode I share one of my hardest challenges at the moment, dealing with being in a pandemic and not paying down debt. This is a challenged I never even considered I would ever have. yet, here we are. I am determined to stay on track even though progress on my journey to become debt free is currently paused. I also reflect on the importance of remembering savings and wealth creation. Mentioned in this episode: Dr John Demartini Ep.023 Adding Up - Financial Freedom, Is Debt Or Wealth The Answer? --- Send in a voice message: https://anchor.fm/serena-dot-ryan/message
20 minutes | May 22, 2020
Ep.051 Adding Up - What's The Point Of Money Anyway?
What's The Point Of Money Anyway? Welcome to another episode of Adding Up, the podcast I am Serena Dorothy 'aka' Dot Ryan. In this episode I'm reminded by Instagram Memories that a year ago this week I published the very first episode of Adding Up the podcast. A lot sure can happen in a year and I'm grateful for the opportunity to reflect on how far I have come. Small, consistent changes, positively moving towards my goal of becoming debt free, really have added up to being $18,000 less in debt. If I hadn't publicly taken the step to become accountable for moving towards the goal of becoming debt free I doubt I would be this far ahead. In this episode I give my 20 something self advice I wish I had taken sooner. You don't have to have it all figured out, but you do need to be clear on what you are aiming for. After all, earning money and saving money, what's the point of it anyway? --- Send in a voice message: https://anchor.fm/serena-dot-ryan/message
27 minutes | May 15, 2020
Ep.050 Adding Up - Cleaning Up The Mess Of Money
Cleaning Up The Mess Of Money Welcome to Episode 50 of the Adding Up podcast with Serena Dot Ryan. I am still in awe of making it here. In this episode I reflect on the shaky start to podcasting in May 2019 and not being too sure of what to do, but I did it anyway. It has been a huge learning curve podcasting each week and I haven't yet had a podcast I was excited and confident to publish, but again I am doing it any way. I am grateful as each episode is accountability, a benefit I didn't expect when I started a year ago. The evolution of this podcast is an interesting one, initially starting as one where I thought I needed to interview others, I realised several episodes in that whilst that is a great format for many of my favourite podcasts, the purpose of this podcast was not to be interviewing others. This podcast is one where I am here to be a living example of re-writing my financial future. Documenting my journey as I become debt free and help others to see what is possible, even when you yourself thought you would never not be in debt. Mentioned in this episode: Michael Port Your Money or Your Life - Vicki Robin Ep.001 Adding Up - What Would You Do If You Knew You Could Change Someone's Life Ep.002 Adding Up - How Do You Know If You Have The Right Accountant? --- Send in a voice message: https://anchor.fm/serena-dot-ryan/message
22 minutes | May 8, 2020
Ep.049 Adding Up - Breaking Bad Spending Habits Is Hard
Breaking Bad Spending Habits Is Hard Welcome to another episode of Adding Up with Serena Dot Ryan. In episode 49 I'm having a moment of realising my habit of spending is harder to break than I first thought. Especially with the current global pandemic, the stress is persistent and my default mode for stress release was one of two things that required money, eating or shopping. Given my desire to not spend money is stronger than eating right now, I share the power of this realisation and what I'm doing about it. Mentioned in this episode: - Profit First by Mike Michalowicz - Ep.020 Adding Up - What I Learned Buying Property At 20 Years Old --- Send in a voice message: https://anchor.fm/serena-dot-ryan/message
22 minutes | May 1, 2020
Ep.048 Adding Up - I Don't Have A Spending Habit, Or Do I?
I Don't Have A Spending Habit, Or Do I? Welcome to another episode of Adding Up with Serena Dot Ryan. In this episode I share my challenge, do you need to spend money to be happy? My credit cards are officially paid off and closed. I am credit card free, but being cooped up at home has me questioning what I do for happiness and what I have done in the past. I discover new habits can easily be broken, unless there is a healthy level of awareness and accountability. Of all things that trigger me it is our TV Unit being a mess, before I know it I am setting a budget, researching buying a new one and organising contactless delivery. It is only when I catch myself after all this time automatically going to spend money, that I start to question myself and hold myself accountable. I set myself a challenge to not spend money to fix my problem and that's where it gets interesting. --- Send in a voice message: https://anchor.fm/serena-dot-ryan/message
22 minutes | Apr 24, 2020
Ep.047 Adding Up - No Credit Cards, Is It A Win?
No Credit Cards, Is It A Win? Welcome to Episode 47 of Adding Up, the podcast with Serena Dot Ryan. In this week's episode I'm sharing the milestone that I have completed and submitted the application to close the last of my credit cards. I am officially credit card debt free. $17,504.54 paid off in 18 months. I share my struggle to celebrate this milestone. I don't want to spend money or indulge. I feel stuck, there is so much uncertainty, but at the same time I don't want this milestone to go past unnoticed. I've got as far as window shopping online, but no purchases, yet. What would you do? Mentioned in this episode: Profit First - Mike Michalowicz --- Send in a voice message: https://anchor.fm/serena-dot-ryan/message
18 minutes | Apr 17, 2020
Ep.046 Adding Up - How I Stuffed Up My Final Credit Card Payment
How I Stuffed Up My Final Credit Card Payment Welcome to another episode of Adding Up, the podcast with Serena Dot Ryan. Every episode is a documentation of my learning as I become debt free. In this episode I share that after 18 months of focused debt reduction I'm finally making my final payment on my last credit card, or so I think. In the process of making the final payment, I discover my spending habits and how I could have reduced my payments, if I'd noticed the trend sooner. I didn’t think keeping on using my credit card for small purchases was a big deal, turns out it was. I also discover rewards points and actually redeem them! --- Send in a voice message: https://anchor.fm/serena-dot-ryan/message
23 minutes | Apr 3, 2020
Ep.045 Adding Up - Losing The Plot At The Grocery Store
Adding Up - Losing The Plot At the Grocery Store Welcome to another episode of Adding Up, the podcast I am Serena Dorothy 'aka' Dot Ryan. In this episode I share, $154.16 away from cutting up the credit cards. We are in the middle of a pandemic and it will cost up to $11,000 and 6 months in jail if we breach orders and leave our home. So we are staying put except for getting out for essentials like grocery shopping. This week one of the hardest things I have done is the grocery shop. Over the last 18 months it is something I have absolutely loved. And slowly yet quickly over the past month it is something I have come to dread. This episode I share the events that lead me to cracking. Budget planning has become more important than ever. What can we cut from the budget is a persistent question. However a huge win is coffee at home for saving anyway ;) Nats What I Reckon Cooking Show - if you don't like swearing, I recommend you don't watch the show on YouTube and IGTV. --- Send in a voice message: https://anchor.fm/serena-dot-ryan/message
19 minutes | Mar 27, 2020
Ep.044 Adding Up - Preparing The Family Finance In A Pandemic
Preparing The Family Finance In A Pandemic Welcome to another episode of Adding Up, the podcast. We are more thank 2 weeks into self isolation. 4 days after I got home from a work trip to San Diego, USA, my 6 year old son got sick with a cold. 4 days after that my other son, 7 years old also got a cold. The combined result was to take the proactive approach for our whole family to self isolate. With the rapidly changing environment in Australia, now we are in self isolation indefinitely. I am grateful for many things starting with the decision to take stock of our finances in October 2018, and then to make the executive decision to pay down debt. No one saw the pandemic challenge coming, least of all me. This week I am due to make the final payment on our 3rd and final remaining credit card. Yet now at a moment of time of celebrating this milestone, I am surrounded with uncertainty and my family. I'm feeling consumed by both. Rather than dwell on this, episode 44 of the Adding Up podcast is sharing the challenges of 'what now' with my finances, surviving being home, every day with my family and finding positivity, gratitude and opportunity in every day. Mentioned in this episode: - Liane Davey 'The Good Fight' - Ep.023 Adding Up - Is Debt or Wealth The Answer? - Ep.034 Adding Up - Will I Ever Get Used To Talking Money? --- Send in a voice message: https://anchor.fm/serena-dot-ryan/message
21 minutes | Mar 20, 2020
Ep.043 Adding Up - Are You Ready To Add Up?
Are You Ready To Add Up? Welcome to another episode of Adding Up, the podcast. In this episode I focus on how do you prepare for the unknown? I share how I've realised that the habits I started in October 2018 have been preparing me for the unknown and whilst it is definitely an unnerving time right now, the fact that I have been living under my means for 18 months we have breathing space with our budget. This is bringing relief. Whilst we are not completely out of debt, the circumstances are much better than they could have been if this pandemic had hit sooner. I gain the realisation that despite starting the Adding Up podcast to share my learning, I realise I have been hiding my story by not sharing it through sheer embarrassment and my own shame about my money story. I see how ironic this is and see how it is more important than ever I find ways to be of service and help others who are financially challenged. I announce that I have created a new Facebook group for the financially challenged who want a safe space to talk about money and discover resources and tools to help them with positive money management. To join the group go to: https://facebook.com/theadders --- Send in a voice message: https://anchor.fm/serena-dot-ryan/message
24 minutes | Mar 13, 2020
Ep.042 - Financial Certainty In Times Of Uncertainty
Financial Certainty In Times Of Uncertainty Welcome to another episode of Adding Up the Podcast with Serena Dot Ryan. How do you gain financial certainty when things are so uncertain? Australia has had its fare share of extreme weather with record breaking fires followed by floods and storm damage. Just when we thought we were over it, the global pandemic has caused a heighten sense of awareness as reality is kicking in of the possibility of school closures and Social Distancing protocols in full force. In episode 42 I focus on how I feel like everything I have done to gain financial education since 2018 has led me to be where I am now. Mentioned in this episode: - Having difficult conversations about money Episode 25 of Adding Up - Conscious spending Episode 17 of Adding Up - Accidental Savings Episode 38 - The 1% Difference Episode 21 - Difficult conversations - The Good Fight - Liane Davey - Payment plans - Multiple Income Streams - Personal Finance App You Need A Budget - Michael Port --- Send in a voice message: https://anchor.fm/serena-dot-ryan/message
28 minutes | Mar 5, 2020
Ep.041 Adding Up - 31 Tips To Cope With Unbudgeted Travel Expenses.
31 Tips To Cope With Unbudgeted Travel Expenses. The last 5 years I've been traveling for work. Whether I've traveled for work or leisure what has become clear, little expenses and lack of planning add up. I love travelling. I've done so much travel over more than 20 years. Up until the last 12 months I still relied on my credit card to be a back up plan when traveling. In only 3 weeks time I will have officially paid off 3 credit cards totally $16,000. I'm determined to longer be reliant on a credit card at all, whether at home or on the road. That is the inspiration for episode 41 of Adding Up the podcast. I'm documenting my travel mistakes that impacted my finances and blew my budget. I want to make sure I don't make these mistakes again and that you don't either. In this episode I share the many ways my budget for travel has easily blown out. I hope you get a tip or 2 that enables you to save money or at least not waste money when you travel. --- Send in a voice message: https://anchor.fm/serena-dot-ryan/message
25 minutes | Feb 28, 2020
Ep.40 Adding Up - Forty, fit and Failing at Finance
Forty, fit and Failing at Finance Welcome to another episode of Adding Up the podcast. I'm sharing my experience as I take ownership of my finances, become debt free and re-write my financial future. In this episode I reflect on the 'milestone episodes of this podcast and my life. I give a snapshot of where I was at 20 years old, 30 years old and go into detail of the financial decisions I made at 40 years old that led to financial strain that 3 years later I'm only just recovering from. Mentioned in this episode: Episode 20 I talked about what it was like buying property at 20 years old. Episode 30 I talked about turning 30 and having 2 properties and hating my job. --- Send in a voice message: https://anchor.fm/serena-dot-ryan/message
22 minutes | Feb 21, 2020
Ep.039 Adding Up - Why I'm Making My 6 Year Old Pay Rent
Why I'm Making My 6 Year Old Pay Rent How do you teach your children about money? In this episode of Adding Up The Podcast I share the moment I realised I needed to start teaching my children about money and its various uses. Money is so much more than earning and spending, how do you convey that lesson when your 6 and 7 year olds are fixated on buying Pokemon cards? The struggle is real. We have started a weekly chores regime and provided the chores are completed each week they are earning $6 per week. We are using the Spriggy App to help manage and monitor their pocket money. Mentioned in this episode: Pokemon Headaches - Arguments, fights and headaches Scott Pape Barefoot Investor for families The Soul of Money - Lynne Twist Profit First - Mike Michalowicz Chapter 10 Profit First for Life --- Send in a voice message: https://anchor.fm/serena-dot-ryan/message
23 minutes | Feb 14, 2020
Ep.038 Adding Up - Accidental Savings
Accidental Savings Welcome to episode 38 of Adding Up with Serena Dot Ryan. In this episode, I'm excited to share the moment I discovered accidental savings. I also go in to detail on the process I go through to decide what to do with this 'new money.' I'm challenged on where my priorities lie. I'm die hard wanting to get rid of debt as quickly as possible and at the same time want to use the money for 'fun' aka shoes. I discuss my conflict and what actions I'm taking. Mentioned in this episode: - Ep.017 Adding Up - Conscious Spending - Ep.037 Adding Up - The Limitations of Cash --- Send in a voice message: https://anchor.fm/serena-dot-ryan/message
20 minutes | Feb 6, 2020
Ep.037 Adding Up - The Limitations Of Cash
The Limitations of Cash Welcome to another episode of adding up the podcast. I’m your host, Serena Dot Ryan. I’m dedicated to sharing my journey as I become debt free and give my family financial freedom. I’m sharing my financial mistakes, my wins, and well some of my terrible mistakes, but the positive that comes out of all of this, you’ll always get my learning that comes along the way. In Episode 37 of the Adding Up Podcast, I share: - a credit card balance update, only $2,506 to go until credit card free! - I discuss how I'm managing my own excitement at becoming credit card free and how I'm putting measures in place so I don't go into credit card debt again. - I share the shame and embarrassment of blowing my budget grocery shopping and how I learned a critical lesson the hard way. - How I've applied to be a mentor with the Smith Family. --- Send in a voice message: https://anchor.fm/serena-dot-ryan/message
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