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Mo' Money Podcast | Personal Finance with Jessica Moorhouse

Award-winning blogger and podcast host Jessica Moorhouse interviews top personal finance experts like Gail Vaz-Oxlade, Preet Banerjee and Rob Carrick, as well as inspirational entrepreneurs, authors, bloggers, friends and family to help you learn how to manage your money better, make smarter choices, become debt-free and live a more fulfilled and balanced life. New episodes air every Wednesday. For helpful resources, blog posts and podcast episode show notes, visit jessicamoorhouse.com. To enquire about being a guest on a future episode, visit jessicamoorhouse.com/podcastsubmissions.
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Now displaying: Category: personal finance
Jun 28, 2017

To wrap up Season 4 of the Mo' Money Podcast, I recorded a special solo episode to share what I've been up to and my plans for the future.

Long description:

I can't believe we've already arrived at the end of Season 4 of the Mo' Money Podcast. With 114 episodes and 2 years of podcasting under my belt, I can honestly say that starting this podcast has hands-down been one of the best decisions I ever made.

To wrap up with season, I thought it was time for another solo episode. So, I took some time last week to lay on my couch therapy-stay and record pretty much anything that came into my head.

I share what it's been like since I quit my full-time job to work for myself. How it's been being a homeowner for almost a year now (spoiler: it's been awesome and expensive). And lastly, I share what I've got coming up for the second half of the year and some ideas I've been considering for Season 5 of the podcast and just my community building efforts at large.

Ideas I've Got for the Future

For instance, would you be interested in a special series on the podcast dedicated to making money and entrepreneurship? I know there are a ton of podcasts out there focused on that already, but I find none of them truly talk about the financial aspects of owning a business or starting a side hustle.

Another idea I had was to start doing mini-meetups in my city of Toronto (and maybe in Vancouver when I'm in town). I love doing my Millennial Money Meetups, but they're a pretty big ordeal and it would be neat to do something a bit smaller and more intimate.

My last idea was maybe start some sort of book club in my Facebook group. Logistically, I'm not exactly sure how to do this besides integrating a Facebook live aspect to it, but I think it would be a great way for us all to learn then chat about different aspects of personal finance.

Just putting that out there, so if you have some opinions or have any other ideas you'd like me to explore, please let me know by tweeting me or emailing me!

A Huge Thank You for Supporting the Podcast!

Aside from me just talking about me for a good 30 minutes, what I really want to express closing out this season is how thankful I am for you listening and subscribing to my podcast. It was a passion project that quickly turned into something real that people binge-listen to! I never thought I could affect or reach people like I am through this podcast, and it's honestly the best feeling in the world to feel that type of strong connection.

It's something I never really felt with just the blog, so seriously a big thank you for supporting the Mo' Money Podcast, and I'm excited to kick-off Season 5 of the show this fall. Make sure to subscribe on iTunes, SoundCloud or YouTube if you haven't already to be updated when Season 5 starts, or sign up to my weekly newsletter to stay in the loop!

Other Solo Episodes You May Want to Listen to

For more podcast episodes, check out the podcast page.

Show notes: jessicamoorhouse.com/114

Jun 21, 2017

Managing your money with your partner doesn't have to be awkward or even difficult, and Talaat & Tai McNeely from His and Her Money share how to do it successfully.

Long description:

For my second to last episode of season 4 of the Mo' Money Podcast, I chat with Talaat and Tai McNeely, America's favourite money couple from His and Her Money. We talk about how they got together and figured out their own financial differences, then what led them to start helping others and sharing their wisdom with the masses through their podcast and YouTube channel.

If you're in a couple, and you have a ton of questions about how to manage your money successfully with your partner, this Talaat and Tai have the answers. They've been together for over a decade and have been through or seen it all. And their advice is on point!

At the end of the end, it really just comes down to open communication and respect. Just like working through other issues in a relationship, you need to listen to your partner, understand where they are coming from, compromise and really tackle those issues as a team.

Talaat & Tai's Top Blog Posts

Follow Talaat & Tai on Social

For more podcast episodes, check out the podcast page.

Show notes: jessicamoorhouse.com/113

Jun 14, 2017

Do you know what your money operating system is? Hilary Hendershott discusses this, as well as how to empower yourself through your money & navigating divorce in this episode.

Long description: 

This is by far one of my favourite podcast episodes of the season, and it all has to do with how insightful and wise Hilary Hendershott is. Not only does she hold an MBA and CFP (so she knows her stuff!), she has a great story.

At the beginning, she was terrible with her money. Even when she was working as a financial advisor, helping others with their money, she wasn't taking care of hers. When her credit cards got maxed out and she realized she somehow couldn't afford her mortgage payments, that's when she decided to make a drastic change.

She made the decision to take control of her money, start understanding her money operating system (a.k.a. money mindset), and managing her money in a way that worked best with her and her psyche.

Now, she's miles away from where she used to be, and is driven to help other women do the same with their finances.

This is the perfect episode for some major Wednesday Wisdom, so I hope you enjoy it as much as I did when I recorded it (and re-listened to it).

If there's anything you can takeaway from this episode, it's that no matter where you are right now financially, that doesn't mean you have to stay there. You too can make a change for the better. You just have to take that first step by making it your top priority, then dedicating the time and effort required to follow through with a solid financial plan.

Wise Words from Hilary

I believe you can be financially free.
Believe in your economic independence.
I believe you are always free to imagine, design and create wealth in your life.
I believe that wealth is well-being. I believe having money creates options.
I believe when you are unconstrained, anything is possible.
I believe in bootstrapping and micro lending and entrepreneurship.
I believe in a world where everyone has enough.

Read more on Hilary's "What I believe" section of her website.

Hilary's Top Podcast Episodes

Follow Hilary on Social

For more podcast episodes, check out the podcast page.

Show notes: jessicamoorhouse.com/112

Jun 7, 2017

Want to learn how to reach financial independence, so you can sit by the beach and do whatever you want? Well, it's not exactly easy but it is absolutely possible. I chat with Pauline Paquin, blogger at Reach Financial Independence, to discuss how she was able to leave the 9 to 5 world, work remotely in Guatemala, and live a life most of us could only dream of. 

Long description:

Ever dreamed quitting your 9 to 5 and working remotely from your laptop in paradise? Sounds like a dream, but it can actually become your reality...if you follow in Pauline Paquin's footsteps.

Pauline has figured out the secret sauce to living a financially independent life, like so many of us fantasize about on a day-to-day basis. But it wasn't just luck, and no she didn't win the lottery.

She started out by graduating university debt-free and investing her savings into a rental property. The income from the rental helped pay for her to travel abroad, but she knew she needed do something extra to not always live on a shoestring budget. So, she started freelance writing and eventually started her own blog — Reach Financial Independence.

Since then, she's also started another blog called Make Money Your Way, and has bought two other money-making blogs — Frugaling and Savvy Scot.

Pauline also shares one of her big inspirations and motivators in her life — Ramit Sethi from I Will Teach You to Be Rich. One of the biggest lessons she's learned from Ramit's teachings is that you should adopt an abundance money mindset instead of a scarcity mindset. This essentially means stopping the thinking of "I can't afford that" and changing it to "How can I afford that? What do I need to do in my life to reach that goal."

Having the right mindset when it comes to money is a big key to reaching your goals, no matter what they are, and I'll admit I absolutely have the same money mindset when it comes to my life.

I hope you enjoy this interview with Pauline, and make sure to scroll down below for more info about my Rich & Fit Bootcamp course, or click here to visit the registration page.

Check Out Pauline's Best Blog Posts

Follow Pauline on Social

Register for the Rich & Fit Bootcamp

I mentioned in this episode that myself and business partner Jaclyn Phillips have finally launched our Rich & Fit Bootcamp course together, and I want to share all the juicy details with you! First, visit the registration page to learn more and to register before the cut off date of Wednesday, June 7. But also, check out our webinar replay to find out what we'll be teaching and what the course platform will look like when you get access to it.

If you do want to register, and want to take advantage of a special deal going on right now, use the promo code rfpromofirst10 to get 50% off your purchase price!

And if you have any questions and aren't sure if this is right for you, please email me, happy to chat!

Learn more about the Rich & Fit Bootcamp

For more podcast episodes, check out the podcast page.

Show notes: jessicamoorhouse.com/111

Jun 2, 2017

At a certain point in your personal finance journey, you'll realize that there's nothing left to cut out of your budget and you're living as frugally as you can. At that point, it's either time to look for a higher paying job or joining a number of others by getting yourself a side hustle. In this episode I chat with Nick Loper, founder of Side Hustle Nation, about how to get a side hustle and how he was able to turn his love for side hustles into his full-time gig.

Long description:

It seems like everyone has a side hustle these days, or is thinking about starting one. Which is why I thought the perfect guest to have on the Mo' Money Podcast would be Nick Loper from Side Hustle Nation. I met him after I spoke at FinCon's Ignite last year, and I was in total awe of his podcast and the insanely loyal audience he grew. But the best thing is, he's seriously the nicest, humblest guy!

Now, I've kind of always had a side hustle. It started with being a teleprompter operator for the news, PAing on film sets, then eventually I started this blog to see if I can earn some money. Well, after almost 6 years, I was able to finally turn this side hustle into my full-time hustle, so if you're ever wondering whether it's worth it to start a side hustle and spend some of your extra hours on building a side business — just try it. There's no harm in trying a few things out and seeing if they work. And there's no shame in failure as long as you walk away with a lesson learned.

In this episode, Nick also shares his personal story with getting his first side hustle and how he eventually became an online entrepreneur teaching others about how side hustles could take them to the next level with their financials. As I always tell people, at a certain point, you'll find with your budget that there's nothing left to cut out. And at that point, it's time to start looking at other ways to earn some extra income.

I hope you enjoy this interview with Nick, and make sure to scroll down below for more info about my Rich & Fit Bootcamp course, or click here to visit the registration page.

Check Out Nick's Best Podcast Episodes

Check Out Nick's Best Blog Posts

Follow Nick on Social

Register for the Rich & Fit Bootcamp

I mentioned in this episode that myself and business partner Jaclyn Phillips have finally launched our Rich & Fit Bootcamp course together, and I want to share all the juicy details with you! First, visit the registration page to learn more and to register before the cut off date of Wednesday, June 7. But also, check out our webinar replay to find out what we'll be teaching and what the course platform will look like when you get access to it.

And if you have any questions and aren't sure if this is right for you, please email me, happy to chat!

Learn more about the Rich & Fit Bootcamp

For more podcast episodes, check out the podcast page.

Show notes: jessicamoorhouse.com/110

May 24, 2017

Millennials have a different way of thinking and handling money compared to Generation X and the Baby Boomers, and Broke Millennial author Erin Lowry shares the dos and don'ts of money management for Generation Y in this interview about her book, her blog and her journey to becoming one of the top millennial money experts around.

Long description:

 Is there really that big of a difference between managing your money as a millennial compared to being a Gen Xer or Baby Boomer? As a millennial who has read numerous personal finance blogs and books, have attended my fair share of finance conferences, and have been writing and interviewing others on personal finance for over 5 years now, my answer is yes, yes and a BIG yes!

Luckily, I'm not the only one who thinks this way and Erin Lowry, the blogger behind BrokeMillennial.com, wrote a book (also named Broke Millennial) that focuses on money for millennials specifically.

Although when it really comes down to it, the principles of personal finance don't really change generation to generation. But the fact still remains, we are a very different generation than those before us. We experienced different things and sometimes speak a different language. And that's why I found it so refreshing to read Erin's book that really got me. Got my struggles with money and offered practical and modern solutions. 

Grab a Copy of Erin's Book Broke Millennial

If you want a book that focuses on millennial money issues specifically, and outlines how to tackle your road blocks with money, how to choose the best budgeting style for you, how to negotiate a better salary and much more, grab a copy of Erin's newly released book Broke Millennial: Stop Scraping By and Get Your Financial Life Together.

Check Out Erin's Best Blog Posts

Follow Erin on Social

Join Me for a Live Webinar!

I mentioned in this episode about an upcoming webinar I'll be hosting with friend and business partner Jaclyn Phillips. We'll be doing a live webinar all about how to master your money and fitness on Wednesday, May 31 at 7pm ET to kick-off the launch of our Rich & Fit Bootcamp course.

Registration for the course will open right after the webinar, and promptly close on Wednesday, June 7 (that's right, we're only opening the doors for 1 week!). And a big reason you'll want to join us for the webinar is because not only will we discuss more about the course specifically, but we'll also be awarding 3 scholarships to the course to 3 lucky live webinar attendees.

Make sure to save your seat for the webinar by clicking here »

For more podcast episodes, check out the podcast page.

Show notes: jessicamoorhouse.com/109

May 17, 2017

I chat with TeensGotCents creator Eva Baker about why she's so passionate about educating teens about personal finance, what inspired her to found The Teenpreneur Conference, and what she wants teens to know the most about managing their money the smart way.

Long description:

Unlike many teens her age, Eva Baker started to get interested in personal finance at the young age of 16. She started listening to Dave Ramsey's teachings, and got hooked. But what she soon realized is there was a ton of information out there on how to fix your financial woes, but not a ton on how to avoid them when you're a teen and just starting your own personal finance journey.

That's when she got the idea to create TeensGotCents, a financial literacy blog for teens that explores money and issues relating to adolescents specifically. I sure wish her blog was around when I was in high school! I'm sure I would have figured out how to make my part-time job income go further.

As she mentions in the interview, she also started her blog as her major project for school, but it eventually took off and became her full-time gig. Now in her 20s, she manages a staff of writers to keep creating valuable content for teens on the website. And if that weren't impressive enough, she also founded her own conference — The Teenpreneur Conference — that's all about promoting entrepreneurship to teens. The next conference will be taking place June 8-10, 2017 in Jacksonville, Florida.

Check Out Eva's Best Blog Posts

Follow Eva on Social

Join Me for a Live Webinar!

I mentioned in this episode about an upcoming webinar I'll be hosting with friend and business partner Jaclyn Phillips. We'll be doing a live webinar all about how to master your money and fitness on Wednesday, May 31 at 7pm ET to kick-off the launch of our Rich & Fit Bootcamp course.

Registration for the course will open right after the webinar, and promptly close on Wednesday, June 7 (that's right, we're only opening the doors for 1 week!). And a big reason you'll want to join us for the webinar is because not only will we discuss more about the course specifically, but we'll also be awarding 3 scholarships to the course to 3 lucky live webinar attendees.

Make sure to save your seat for the webinar by clicking here »

For more podcast episodes, check out the podcast page.

Show notes: jessicamoorhouse.com/108

May 10, 2017

Think starting your own business and becoming a recognized personal brand while working full-time sounds impossible? Then you haven't heard Codie Sanchez's story yet.

Long description:

Time and time again, I get people asking me how the heck I managed to work full-time for 5 years while growing my side hustle. Looking back after now being self-employed for over 4 months, I don't really know. All I can say is I hustled like crazy because deep down I knew I was working towards something big and special.

The same can be said for Codie Sanchez who not only head's the Latin American & Offshore Sales division of First Trust, but is an entrepreneur on the side. She founded the company ThreadsRefined back in 2015, and now is focused on growing her personal brand as an influencer, podcaster (she hosts The Struggle Isn't Real show), keynote speaker and investor. And she's still in her 20s!

The big takeaway I got from interviewing Codie was that there really are no limits besides the ones we place on ourselves. Just look at most of the really successful people around these days. Most of them started from the bottom and worked there way to the top. And now with access to more information, more resources and more opportunities than ever (thanks to the internet!), it's that much easier to build a business of your own or set your sights on becoming a leader in your field.

As a woman, this has always been something I've struggled with believing. I always knew I was meant for a leadership role in some capacity, but to be honest, there aren't that many female role models out there to emulate. Hopefully that'll be concept of the past in the near future, because with inspiring female entrepreneurs like Codie, it's becoming clearer that the sky is the limit if you don't mind working hard, taking risks, doing things that scare you and never giving up.

Check Out Codie's Best Blog Posts

Follow Codie on Social

For more podcast episodes, check out the podcast page.

Show notes: jessicamoorhouse.com/107

May 3, 2017

Want to become a millionaire, but don't think you'll ever earn a crazy salary? Millionaire Teacher author Andrew Hallam shares why it's not how much you earn, it's how much save and invest that's truly important.

Long description:

I don't normally, or ever, get excited about investing books. Since I started the podcast, you wouldn't believe how many authors, agents and publishers infiltrate my inbox with their latest investing book they like me to check out.

Hey, it's nice to get free books to check out, but I've got limited time and I can really only sit down and spend time with the books I know my blog readers and podcast listeners will love to. Millionaire Teacher by Andrew Hallam is one of those books. To find out more about the book and what you can expect to learn when reading it, check out my book review.

I think the single most fascinating thing about Andrew's book is that his strategy for investing and becoming a millionaire isn't anything we haven't heard before. He preaches living within your means, not spending like a millionaire before you are, and sticking to simple index funds and ETFs for your portfolio. Then just be patient and consistent. That's it!

There's no such thing as a get rich quick strategy that's not a total scam, and the only way to truly build wealth is by being mindful with your money and intentional with your spending. It's that simple.

I'm not exaggerating when I say that I whipped through his book in a weekend and then couldn't wait to tell the world about it. His book actually made me realize "Hey, if he can do it on a teacher's salary, my husband and I can do it as two self-employed people." We're still young, we've moved our investments over from actively managed mutual funds to low-fee ETFs, and we're making a very conscious effort to curb our spending and living a frugal lifestyle.

I'm not exactly sure if we'll be able to attain millionaire status like Andrew did at 38 (that's only 8 years away), but you never know! I'll just be happy if we can achieve that in our late 40s or 50s, and I'm excited to put Andrew's tips into practice to help us get there.

Also, in case you're scratching your head about the giraffe photo I mentioned at the end of the episode, when I was emailing Andrew to set a date to chat for the podcast, he was travelling around Kenya. Because he's awesome, he shared this really cute photo of himself getting headbutted by a giraffe and I literally laughed out loud when I got it. So there you go!

Check Out Andrew's Books

Andrew's Investing Book Recommendations

Follow Andrew on Social

For more podcast episodes, check out the podcast page.

Show notes: jessicamoorhouse.com/106

Apr 19, 2017

Mindfulness and money may have more in common than you think. Just listen to Leisa Peterson, founder of the Wealth Clinic, explain how both have changed her life.

Long description:

You may not think that mindfulness and money have anything to do with each other, but that just means you haven't yet listened to this episode with Leisa Peterson, Found of the Wealth Clinic and podcast host of the Art of Abundance.

Leisa has an incredible story about having an ultra successful career in the financial industry, but also making the tough decision to leave it all to start her own coaching business to take control of her life again. It's a big misconception that with a rising career and increasing salary, happiness is sure to follow. But that's not usually the case if you're not doing what you feel called to do in life. And sometimes taking a risk and doing something out of the ordinary can seem scary and even foolish.

But, it can also be your saving grace. It's funny, when I was recording this episode with Leisa back in the fall, I was going through a similar crisis, weighing the pros and cons of leaving my corporate job to start my own business. I was terrified at the prospect of no guaranteed income and possible failure, but I knew it was the only choice because I was absolutely miserable and not doing what I felt I was called to do in this life.

And now, so many months later, I'm releasing this interview with Leisa having taken the plunge and am so glad I made the choice to leave my job. We talk a lot about fulfillment in this episode, probably because it was something I was seriously lacking at the time. But now, I can honestly say I feel more fulfilled than I have in years. I may not make as much money as I did at my 9 to 5, but somehow I feel wealthier than I ever have before.

Thanks Leisa for the wonderful interview and insight into how mindfulness and money should always mix!

Helpful Resources & Events by Leisa

Leisa's Top Podcast Episodes

Follow Leisa on Social

For more podcast episodes, check out the podcast page.

Show notes: jessicamoorhouse.com/104

 

Apr 12, 2017

I talk money, balance, travel, entrepreneurship and more with millennial financial life coach Garrett Philbin (one of the happiest, most positive people I know!). 

Long description: 

If you're looking for an upper of an episode, something to get you pumped to tackle your life and finances, my guest Garrett Philbin, financial life coach of at Be Awesome, No Broke, is just what the doctor ordered.

He doesn't just have the perfect radio voice, he literally exudes positivity. It makes sense why he ditched his career in the music business to focused all of his energy and talent in to helping others with their money and life issues.

And similar to what I'm doing right now, he's on his way to becoming an Accredited Financial Counsellor. I may have convinced him after recording this episode back in the fall to look into the American version, and now he's on his way to finishing the program.

We talked about a lot of awesome things in this episode, including Garrett's jump into entrepreneurship, his soul-searching road trip and the deeper reasons why we all struggle with money. Seriously, if after listening to this episode you feel like this is the time in your life that you need to ask for help, Garrett is definitely someone who will be there if you ask.

Garrett's Top Blog Posts

Follow Garrett on Social

What's Your Money Personality?

I mentioned checking out my money personality quiz in this episode, and you can do so right here: jessicamoorhouse.com/quiz

For more podcast episodes, check out the podcast page.

Show notes: jessicamoorhouse.com/103

 

Apr 6, 2017

It is possible to live debt-free and prosper financially while self-employed, and podcast listener Christina from Toronto shares how she was able to do it.

Long description:

Not many people can say they got their first job at the young age of 5 years old, but my Listener Series guest Christina from Toronto isn't like many people. She had a firm grasp on how to earn money from a very young age, which helped her when she started learning about personal finance in university.

As she embarked on her career as a freelancer in the film and TV industry, she started realizing that there was more to being financially savvy than just knowing how to earn an income. Now, having been self-employed for 10 years, she shares the tips and tools that have helped keep her out of debt and on a path to financial freedom for anyone else living on a variable income with dreams of financial stability.

Helpful Tip

Pay yourself first.

You may have heard this tip a thousand times, but that's because it works! It's Christina's top money tip, and honestly mine too. All paying yourself first means is allocating your income to your savings goals first, then living on whatever's left. If you're not doing this right now, I promise it'll change your life. A great way to start would be to download my free budget spreadsheet.

Join a Facebook Group

Christina mentioned that a big help in getting her finances on track was to join personal finance Facebook groups. They are great to learn what other people are doing with their money and to be part of a community that also wants to better their financial situation just like you. Here are some of my top picks!

Want to Be a Guest on My Show?

Got a story that you think would be good to share on an episode on of Listener series? Please email me!

Helpful Resources

I spent a good amount of time the past few years creating resources to help you with your money, life and adding more balance into the mix. Check them out on my resources page.

Apr 5, 2017

A special bonus podcast episode for you! I recently did a Facebook Live session with Lisa Gittens, senior tax expert from H&R Block, and I got a ton of requests to make the audio into a podcast episode. So here it is! Lisa answered tax questions live for 30 minutes, and we got some great questions too. Enjoy!

Apr 5, 2017

Are you ready for tax time? If not, that's okay because I've got the podcast episode that's perfect for you! For episode 101, I chat with senior tax expert Lisa Gittens from H&R Block about how to prepare your return, how H&R Block professionals are trained, why their online software is free, and what are some of the top tax tips people need to know before filing their taxes this year.  

One thing I highly recommend before getting started on your taxes is to download my free tax preparation checklist. It's a checklist that outlines all the documents you may need to hand-off to your tax preparer or that you'll need when filling out all your info online.

Sign Up for a CRA Account

One of the best things you can do to make doing your taxes a breeze is by creating an online CRA account. You can change your marital status, name and direct deposit info in just a few seconds online when you've got an account, plus it's also a great way to easily see what your RRSP room is and it also houses all of your past tax returns.

Helpful Tax Resources from H&R Block

For more podcast episodes, check out the podcast page.

Show notes: jessicamoorhouse.com/101

Mar 29, 2017

To mark my 100th episode, I talk with fellow podcaster Elle Martinez about money, relationships and how to tackle money as a couple.

Long description:

Can you believe we're already at 100 episodes? I'm kind of in awe honestly. What a journey it has been, and what a great interview I've got to share to mark this milestone.

For this episode, I chat with a fellow female podcaster and blogger, Elle Martinez from Couple Money. Make sure to check out her awesome Couple Money Podcast too, she's an amazing podcast host!

We talk about her story of figuring out how to manage their money together before getting married, and how this eventually inspired her to start her own blog and podcast to help other couples tackle their money. We've all heard the stats, money is one of the biggest reasons couples break up. But if you have open communication, are working towards the same goals and both feel involved with the family finances, that's how you can set yourself up for success.

Elle offers some sage advice and great examples of couples she's interviewed who have overcome some major obstacles. Basically, after listening to this episode, you'll feel just like me and want to set up your next money meeting with your partner pronto!

Elle's Top Blog Posts

Follow Elle on Social

For more podcast episodes, check out the podcast page.

Show notes: jessicamoorhouse.com/100

Mar 23, 2017

Podcast listener TJ Pridonoff shares with me how he saved up enough to do a roadtrip across America (and quit his job to do it). He proves that you don't have to be rich to go on a trip of self-discovery in the U.S., you just need to be smart about how you spend your money.

Long description:

For this episode of my Listener Series, I interview TJ Pridonoff who is currently on a road trip of self-discovery across America.

I'm telling you, if ever you hit a point in your life that you feel unhappy, too settled or just need some sort of change to figure out what you want out of your life, travel is always a good solution. When I was 18 and went to Gambia, I had so much clarity when I got back in terms of what I wanted to study in school and do for a career. And after travelling around Thailand for 3 weeks, I came home confident that leaving my job and moving to Toronto was the right answer. I wonder what I'll discover on my next long trip?

Anywho, TJ realized not too long ago that he needed a change and to figure out what he really wanted out of life for himself. He'd already gone to school and had a good stable job, but he wanted something more. So he decided to leave his job and take a road trip across the United States to satisfy his travel bug and to help him get some clarity for his future.

And he's on that road trip now! The best part is, from a personal finance standpoint, he's proven that to do something like this doesn't mean it'll cost you a ton of money. Especially doing a road trip across the U.S., there are a ton of towns and cities you can stay in for really reasonable prices. The key thing to remember is to have enough cash on hand so you don't run out, budget strategically (so do you research ahead of time), and don't spend your money on stuff. Spend your money wisely to get the most out of your trip.

If you want to see where TJ is right now and how his trip has been so far, make sure to check out some of his latest blog posts:

Thanks TJ for sharing your story with me, and looking forward to reading more about your travels! 

Want to Be a Guest on My Show?

Got a story that you think would be good to share on an episode on of Listener series? Please email me!

Helpful Resources

I spent a good amount of time the past few years creating resources to help you with your money, life and adding more balance into the mix. Check them out on my resources page.

For more podcast episodes, check out the podcast page.

Show notes: jessicamoorhouse.com/99

Mar 22, 2017

Ever thought about diving into real estate investing? All your questions are guaranteed to be answered by Real Wealth Network co-founder, real estate expert and author Kathy Fettke in this episode. I ask her almost every question under the sun including how to find a downpayment, how to choose the right property and whether it's smarter to become a landlord or a house flipper. If you want to become more knowledgeable about real estate investing, you need to listen to this episode.

Long description:

Ever thought about diving into the real estate investing world? I always have, which is why it was such a treat to talk to real estate expert, author and Real Wealth Network co-founder Kathy Fettke. Finally, I had someone to ask my many real estate investing questions to (and if you listen to the episode, you'll know I had a ton!).

The biggest takeaways I got from my interview with Kathy was that the real investing game is largely about risk, trust and knowing when to say "yes" or "no". There are so many real investing programs out there that will try to sell you a dream that isn't actually achievable, spew outdated information or charge you 5-figures for access to their investing "secrets".

Don't buy into this! And Kathy would agree. Real estate investing is not about getting rich quick, it's a long game. It means buying the right property at the right time, then renting it out, holding onto it for a number of years, then choosing to sell it at the right time.

She even suggests you'll make more money by becoming a landlord than trying to flip a property. Flipping may seem like the trendy thing to do with so many shows on HGTV dedicated to the practice, but in the end you won't make as much as renting out your place, and getting those renters to essentially pay your mortgage.

I know I still have a lot to learn before my husband and I decide to buy our first investment property, but I'm glad many of my questions about how to get started are now answered!

Learn More About Kathy

Kathy's Top Podcast Episodes

Check Out Kathy's Book

For more podcast episodes, check out the podcast page.

Show notes: jessicamoorhouse.com/98

Mar 16, 2017

Colton from Newfoundland chats with me for this episode of my Listener Series to share how he was able to find an employer that not only helped him earn a salary while being a student, but also to pay for his Bachelor's degree!

Long description:

I'm so glad Colton from Newfoundland emailed me to be a guest for my Listener Series, because I certainly missed the few weeks without Listener Series episodes, how about you?

What I loved about this interview is that Colton offers some very practical and actionable advice on how to go to university without relying on student loans. I'm almost ashamed to say I'd never thought about finding a job while in university that could also help pay for it!

Looking back, now I see there were and are so many options to make money as a student that also extra perks. As Colton mentioned for instance, if you work at Starbucks you don't just get a free pound of coffee a week, you also get stock options after a few years. And if you're a server or bartender, you get tips (which could add up to a lot). And many cell phone companies offer special bonuses, commissions on top of pay and other benefits too.

Thanks again Colton for chatting with me (even if you did have to talk a bit slower for me, and I thought I talked fast!). I know your story will help so many other students (or future students) listening!

Want to Be a Guest on My Show?

Got a story that you think would be good to share on an episode on of Listener series? Please email me!

Helpful Resources

I spent a good amount of time the past few years creating resources to help you with your money, life and adding more balance into the mix. Check them out on my resources page.

For more podcast episodes, check out the podcast page.

Show notes: jessicamoorhouse.com/97

Mar 15, 2017

Want an example of how an emergency fund can come in useful? How about two examples? Kate Dore from Cashville Skyline shares how her's saved her big time.

Long description:

Who knew an emergency fund could save your life not once, but twice! So is the story of Kate Dore from Cashville Skyline which she shared in full detail for this episode of the podcast. 

Talk about someone who turned lemons into lemonade! Most people would begrudge their bad luck when faced with two layoffs in 10 years, but not Kate. Instead of complaining or just struggling through it all, she took it as a big lesson in becoming financially prepared. Which later turned out to be her big passion, which is why she's now on the road to becoming a financial planner.

If there's only one thing you can take away from this episode, it's this - life happens, so have an emergency fund just in case. I've certainly been thankful for mine on more than one occasion in my life, that's for sure. Not only that, having an emergency fund is hands down the first thing I tell people to set up as they start their personal finance journey. It may not be fun or sexy, but having one will literally save your life!

I'm excited to see where Kate ends up after becoming a full-fledged Certified Financial Planner, but until then it looks like she's been busy the past few months creating some great blog posts and personal finance courses. I've linked them below so you can check them out.

Join Me on the Self Worth to Net Worth Challenge!

Also, as I mentioned, myself, Sarah Li Cain from High Fiving Dollars and Tara Falcone from ReisUP have come together to create a unique 21-day challenge to combine our expertises in money mindsets, budgeting and investing. You'll get an email once a day for 21 days giving you a full outline on what you need to do to feel empowered about your money and take action!

<< Register to take the challenge now >>

Kate's Top Blog Posts

Helpful Resources by Kate

Follow Kate on Social

For more podcast episodes, check out the podcast page.

Show notes: jessicamoorhouse.com/96

Mar 8, 2017

I interview my American twin in Tess Wicks, a fellow blogger and host of the personal finance podcast Words + Money. For this episode, we chat about it all include making your own money, switching careers and not being afraid to lean in.

Long description:

Like I mentioned at the beginning of this episode, Tess Wicks is my American twin. And what good timing for this episode, on International Women's Day!

For this episode, Tess and I chat about it all including making money, being a financially independent woman, switching careers, becoming self-employed and not being afraid to speak up and lean in.

We actually got the chance to hang out at FinCon this past fall, and she is just as delightful in person as she sounds in this episode. And there have been quite a few changes since I interviewed her. Instead of switching her brand to Wander Wealthy, she's switching to Creative Profit Co., with a focus on helping businesses as well as individuals with their finances.

I know I could just be saying this because we're so alike, but I see some big things coming from this girl. She's just so passionate about helping people, I know she's going to make a great difference in so many people's lives.

Take the Get Your Financial Life Right Challenge

  • Sign up right here to start my free 10-day email course that'll teach you the most important things you need to do to fix your finances.

Some of Tess' Best Blog Posts

Follow Tess on Social

For more podcast episodes, check out the podcast page.

Show notes: jessicamoorhouse.com/95

Mar 1, 2017

Personal finance isn't just about money. It's about emotions, habits, triggers, mindsets and relationships. I chat about this and more with money storyteller Sarah Li Cain.

Long description:

Personal finance isn't just about money. It's about emotions, habits, triggers, mindsets and relationships. Many of these aspects of personal finance are explored with Sarah Li Cain, author at High Fiving Dollars, in this podcast episode.

Sarah, a fellow Canadian now living in the U.S. with her husband and son, isn't just another personal finance blogger. She's a money storyteller on a mission to teach others about how your actions can truly affect your finances in ways you may have never thought.

Take her story for example. Throughout most of her life she was a "Yes Man." Always saying yes when asked for help and putting herself second to provide for those she loved. This doesn't sound so bad, that is until someone takes advantage of your kindness. Which was the case for one of the relationships she was in, where she found herself stuck with $9,000 in debt after the breakup.

Sarah doesn't want this to be your story, and she shares more thoughtful pieces of advice in our interview. Not only that, she's developed a number of great resources to help you on your personal finance journey I've listed below.

Take Sarah's Spending Triggers Course

Sarah's recently created a two-week course all about the triggers that make us overspend and generally mishandle our money.

If you want to learn how to curb your spending (and find out why you’re doing it in the first place), sign up to take her course. You won't be disappointed!

I was lucky enough to preview her course before she officially launched it, and thought it was a really great and unique program that I knew listeners of my podcast would enjoy.

Register for Sarah's spending triggers course here.

Sarah's Top Blog Posts

Helpful Resources by Sarah

Follow Sarah on Social

For more podcast episodes, check out the podcast page.

Show notes: jessicamoorhouse.com/94

Feb 22, 2017

Saving for your retirement is simple. As Fritz Gilbert from The Retirement Manifesto shares, it all comes down to starting early, spending less than you make, and keeping to it.

Long description:

As I mentioned at the beginning of this episode, lots of us young people don't start thinking about planning for our retirement, well...until it's too late. Which isn't a good thing.

It may be difficult wrapping your head around something that won't happen for another 40 or 50 years, but the only way to make sure you'll actually be able to relax and enjoy your retirement is if you start thinking and planning for it as early as possible.

Fritz Gilbert, the blogger behind The Retirement Manifesto, joins me for this podcast episode to share what he's learned about retirement over the years and how he is only a few years away from his early retirement at 55.

Make sure to check out the links below for more helpful resources and tips on how you can start taking action now so you can rest easy later.

Fritz's Advice on How to Retire Early (or Well)

Spend less than you make, and do it for a long time.

Learn More About Fritz's Retirement Manifesto

Fritz's Blog Posts You Need to Read

Follow Fritz on Social

Learn How to Save Money with LowestRates

For more podcast episodes, check out the podcast page.

Show notes: jessicamoorhouse.com/93

Feb 16, 2017

It doesn't matter where you started from, Lisa shares her story that you can rise above and live the life you always wanted by learning from your mistakes and putting the work into it.

Long description:

Ever since my husband and I watched Tony Robbins in the documentary I Am Not Your Guru a few months ago, we've become major Tony Robbins fans. Whenever we need a pick me up, we just turn on his podcast and immediately get inspired.

Yesterday, I was working all day at home and I decided to leave the house to clear my head. I turned on his podcast to get me out of my funk, and you know what it was all about? The theme was changing your story to change your life. If your story is you're fat, well if you stop making excuses and start eating better and working out, you'll change your life. If your story is you're poor, stop complaining that you were born with less and figure out a way to make more money.

Which is exactly what Lisa talks about in our interview together. She started out in a lower income family living in a trailer park. She was told she wouldn't be able to go to college or live a different life when she was an adult, and for a while she believed it.

But then something clicked and she realized that where she came from wasn't her destiny. And she is living proof of this by graduating college, working a high-paying job and buying a home like she always dreamed of.

If you're looking for a good kick in the pants podcast episode to give you that push to stop complaining and start doing, this is it!

Make sure to also check out Lisa's own blog documenting her personal finance journey at Mad Money Monster.

Lisa's Best Blog Posts About Her Personal Finance Journey

Want to Make Some Changes in Your Financial Life?

Sign up for my free Get Your Financial Life Right 10-day email course! If you want to fix your finances, this is the perfect way to get started, motivated and educated about exactly what you need to do.

Helpful Resources

I spent a good chunk of the past few years creating resources to help you with your money, life and adding more balance into the mix. Check them out on my resources page.

Want to Be a Guest on My Show?

Got a story that you think would be good to share on an episode on of Listener series? Please email me!

For more podcast episodes, check out the podcast page.

Show notes: jessicamoorhouse.com/92

Feb 15, 2017

You don't have to be rich to travel the world and buy a home in an expensive city. Esther from NZ Muse proves you just need to be smart with your money.

Long description:

It was such a pleasure chatting with Esther from one of my favourite personal finance blogs NZ Muse. I've been following her only her own personal finance journey for years, and I'm so glad I was able to finally chat with her one-on-one for this episode. Not only that, she's the first non-North American guest I've had on the show!

This episode is all about Esther sharing how she eventually got to a place in her life where she was able to afford to leave work to travel the world for 6 months and also buy a home in the incredibly expensive city of Auckland.

Esther's story isn't some crazy story either. She was able to make something most of us only daydream about a reality simply by be strategic with her career and her money.

Similar to me, Esther started out working in the media/journalism business. What used to be a thriving and exciting industry is one that has devolved since Facebook and YouTube became major players. It's sad, because journalism is so important (especially with all the fake news floating around), but also like me, she eventually realized that if she wanted to grow in her career and make a decent living, she needed to change course.

That's when she decided to move into more a content marketing role, and was able to save up $10,000 to for her 6-month trip. She was able to take a leave of absence for work, but she was also financially prepared to have to look for a new job after her travels.

Everything worked out pretty well, because after her bucket list trip she was able to save up another big chunk of money to buy her first home.

You see, nothing sensational or unattainable in her story. She just made smart choices! She saw that there was a ceiling in her industry so she switched careers to make a better living. She wanted to fulfill her dream of travelling for a long stretch of time, so she lived frugally and saved up enough cash to do it. She wanted to buy a home to have a nice roof of her head and to build some equity, so she hunkered down once again and saved up enough for a down-payment.

The message here is that if she can do it, anyone can do it. You just need to work hard, make smart financial decisions, maintain focus and take action.

Some of Esther's Best Posts

Check Out Esther First Free Course!

  • Great timing for me to share our podcast episode together because Esther just released a 5-day email course all about how to reclaim your money mojo! Make sure to sign up to her free email course to get out of your money rut.

Follow Esther on Social

For more podcast episodes, check out the podcast page.

Show notes: jessicamoorhouse.com/91

Feb 8, 2017

Desirae Odjick, the blogger behind Half Banked, shares her personal finance journey and best money tips for saving and investing for millennials.

Long description:

I know I said Desirae Odjick, the blogger behind Half Banked, is like a mini-me, but I think what I really meant is she's like a sister from another mister. Once we started chatting, it's like we'd already knew each other, and it was such a treat for me to interview her after following her blog for so long.

In this episode, we talk about it all. We touch on how her mom paid her to read personal finance books (which sounds like a dream, but I'm obviously a huge nerd), why she started her blog, how she's on a journey to save half her income, and how she budgets the "low tech" way with a good ol' budget spreadsheet.

We also talk a bit about investing, something I think a lot of millennials are afraid to start because they're either afraid of the risk or just don't know where to start. Luckily, Desirae created a great foundational (and free) course to get anyone started on their investing journey. She also mentions that she invests with Wealthsimple, one of the leading robo-advisors in Canada, which is one route you may want to look in to. And if you sign up with Wealthsimple, you can get a $50 bonus when you sign up with them.

Desirae has a number of other super helpful resources to help anyone just starting out with taking control of their money, so I've listed them all below.

I've also recently made a free email course, called the Get Your Financial Life Right Challenge, that goes through all the basics of personal finance in 10 days. Sign up to get your first email right away!

Helpful Resources You Should Check Out

Follow Desirae on Social

For more podcast episodes, check out the podcast page.

Show notes: jessicamoorhouse.com/89

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