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    <title>The Joyful Frugalista</title>
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    <description>Serina Bird, author of The Joyful Frugalista, chats with friends, family, and the famous about frugality, investing, wellbeing and living sustainability.</description>
    <pubDate>Sun, 19 Apr 2026 14:55:54 +1100</pubDate>
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    <language>en</language>
        <copyright>Copyright 2020 All rights reserved.</copyright>
    <category>Society &amp; Culture</category>
    <ttl>1440</ttl>
    <itunes:type>episodic</itunes:type>
          <itunes:summary>Serina Bird, author of The Joyful Frugalista, chats with friends, family, and the famous about frugality, saving, investing, wellbeing and living sustainability.</itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
<itunes:category text="Society &amp; Culture" />
	<itunes:category text="Business">
		<itunes:category text="Investing" />
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	<podcast:funding url="https://patron.podbean.com/joyfulfrugtalista">Support This Podcast</podcast:funding>
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        <title>The Joyful Frugalista</title>
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    <item>
        <title>140: Repurposing, rural living and living with common cents with Sheridan Riles</title>
        <itunes:title>140: Repurposing, rural living and living with common cents with Sheridan Riles</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/140-repurposing-rural-living-and-living-with-common-cents-with-sheridan-riles/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/140-repurposing-rural-living-and-living-with-common-cents-with-sheridan-riles/#comments</comments>        <pubDate>Sun, 19 Apr 2026 14:55:54 +1100</pubDate>
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                                    <description><![CDATA[<p>Sheridan Riles from Lost River in country New South Wales shares her insights on rural living, upcycling, frugal living, and community resilience. In this podcast, she talks about sustainable living, managing costs in rural Australia, and the importance of women in farming and community building.</p>
🔑 Key topics
<ul>
<li style="list-style-type:none;">
<ul class="css-h4c1sf">
<li>Rural living challenges and community resilience</li>
<li>Upcycling and sustainable home decor</li>
<li>Cost-saving tips for rural households</li>
<li>The role of women in Australian farming</li>
<li>Seasonal gardening and food preservation</li>
</ul>
</li>
</ul>
<p>Keywords</p>
<p>rural living, upcycling, frugal living, community, women in farming, sustainability, cost-saving tips, Australian agriculture</p>
 ]]></description>
                                                            <content:encoded><![CDATA[<p>Sheridan Riles from Lost River in country New South Wales shares her insights on rural living, upcycling, frugal living, and community resilience. In this podcast, she talks about sustainable living, managing costs in rural Australia, and the importance of women in farming and community building.</p>
🔑 Key topics
<ul>
<li style="list-style-type:none;">
<ul class="css-h4c1sf">
<li>Rural living challenges and community resilience</li>
<li>Upcycling and sustainable home decor</li>
<li>Cost-saving tips for rural households</li>
<li>The role of women in Australian farming</li>
<li>Seasonal gardening and food preservation</li>
</ul>
</li>
</ul>
<p>Keywords</p>
<p>rural living, upcycling, frugal living, community, women in farming, sustainability, cost-saving tips, Australian agriculture</p>
 ]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/49bmx4r6eyj2hefq/riverside_podcast_with_sheridan_magic_episode_apr_14_the_joyful_frugalis9r0kx.mp3" length="18970140" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Sheridan Riles from Lost River in country New South Wales shares her insights on rural living, upcycling, frugal living, and community resilience. In this podcast, she talks about sustainable living, managing costs in rural Australia, and the importance of women in farming and community building.
🔑 Key topics



Rural living challenges and community resilience
Upcycling and sustainable home decor
Cost-saving tips for rural households
The role of women in Australian farming
Seasonal gardening and food preservation



Keywords
rural living, upcycling, frugal living, community, women in farming, sustainability, cost-saving tips, Australian agriculture
 ]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2371</itunes:duration>
                <itunes:episode>149</itunes:episode>
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    <item>
        <title>139: VIDEO The Wardrobe Project with Emma Edwards</title>
        <itunes:title>139: VIDEO The Wardrobe Project with Emma Edwards</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/139-video-the-wardrobe-project-with-emma-edwards/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/139-video-the-wardrobe-project-with-emma-edwards/#comments</comments>        <pubDate>Wed, 15 Apr 2026 08:59:13 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/a4263edd-dc7a-3469-9c61-a10c64c4c8d5</guid>
                                    <description><![CDATA[<p>In this podcast, Serina chats with Emma Edwards, writer, podcaster, financial behaviour educator, and author of The Wardrobe Project: A Year of Buying Less and Liking Yourself More and founder of The Broke Generation. Together, they explore the emotional side of clothing, the stories we attach to our wardrobes, and the surprising ways fashion becomes tangled with identity, self‑worth, and money.</p>
<p>Emma shares how a year‑long no‑buy challenge transformed far more than her closet. From body image and “flattering” rules baked in during the 90s, to revenge spending during lockdown, to the fantasy selves we try to purchase online, Emma unpacks the psychology behind why we buy, and why we keep buying even when we already have more than enough.</p>
💡 Key Takeaways
<ul>
<li>
<p>Clothing is deeply emotional — especially for women</p>
</li>
<li>
<p>Many of us use fashion to patch over insecurity or identity gaps</p>
</li>
<li>
<p>The “rules” we learned in the 90s still shape how we dress today</p>
</li>
<li>
<p>Lockdown triggered revenge spending and fantasy‑self shopping</p>
</li>
<li>
<p>A no‑buy year creates space, quiet, and surprising self‑reflection</p>
</li>
<li>
<p>Using what you already have builds confidence and creativity</p>
</li>
<li>
<p>Outfit repeating is a privilege, not a problem</p>
</li>
<li>
<p>Consumption noise is loud, and peace comes from stepping back</p>
</li>
<li>
<p>You can’t buy your way into confidence</p>
</li>
<li>
<p>Gradual, subtle changes are more powerful than instant makeovers</p>
</li>
</ul>
🔑 Keywords
<p>fashion psychology, emotional spending, body image, no‑buy challenge, wardrobe reset, identity, self‑worth, frugal fashion, sustainability, minimalism, The Wardrobe Project, Emma Edwards</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>In this podcast, Serina chats with Emma Edwards, writer, podcaster, financial behaviour educator, and author of <em>The Wardrobe Project: A Year of Buying Less and Liking Yourself More </em>and founder of <em>The Broke Generation</em>. Together, they explore the emotional side of clothing, the stories we attach to our wardrobes, and the surprising ways fashion becomes tangled with identity, self‑worth, and money.</p>
<p>Emma shares how a year‑long no‑buy challenge transformed far more than her closet. From body image and “flattering” rules baked in during the 90s, to revenge spending during lockdown, to the fantasy selves we try to purchase online, Emma unpacks the psychology behind why we buy, and why we keep buying even when we already have more than enough.</p>
💡 Key Takeaways
<ul>
<li>
<p>Clothing is deeply emotional — especially for women</p>
</li>
<li>
<p>Many of us use fashion to patch over insecurity or identity gaps</p>
</li>
<li>
<p>The “rules” we learned in the 90s still shape how we dress today</p>
</li>
<li>
<p>Lockdown triggered revenge spending and fantasy‑self shopping</p>
</li>
<li>
<p>A no‑buy year creates space, quiet, and surprising self‑reflection</p>
</li>
<li>
<p>Using what you already have builds confidence and creativity</p>
</li>
<li>
<p>Outfit repeating is a privilege, not a problem</p>
</li>
<li>
<p>Consumption noise is loud, and peace comes from stepping back</p>
</li>
<li>
<p>You can’t buy your way into confidence</p>
</li>
<li>
<p>Gradual, subtle changes are more powerful than instant makeovers</p>
</li>
</ul>
🔑 Keywords
<p>fashion psychology, emotional spending, body image, no‑buy challenge, wardrobe reset, identity, self‑worth, frugal fashion, sustainability, minimalism, The Wardrobe Project, Emma Edwards</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/uvj8a28x7q9jie84/riverside_the_wardrobe_project_magic_episode_oct_31_2025_the_joyful_frugalis6mrup.mp4" length="591398033" type="video/mp4"/>
        <itunes:summary><![CDATA[In this podcast, Serina chats with Emma Edwards, writer, podcaster, financial behaviour educator, and author of The Wardrobe Project: A Year of Buying Less and Liking Yourself More and founder of The Broke Generation. Together, they explore the emotional side of clothing, the stories we attach to our wardrobes, and the surprising ways fashion becomes tangled with identity, self‑worth, and money.
Emma shares how a year‑long no‑buy challenge transformed far more than her closet. From body image and “flattering” rules baked in during the 90s, to revenge spending during lockdown, to the fantasy selves we try to purchase online, Emma unpacks the psychology behind why we buy, and why we keep buying even when we already have more than enough.
💡 Key Takeaways


Clothing is deeply emotional — especially for women


Many of us use fashion to patch over insecurity or identity gaps


The “rules” we learned in the 90s still shape how we dress today


Lockdown triggered revenge spending and fantasy‑self shopping


A no‑buy year creates space, quiet, and surprising self‑reflection


Using what you already have builds confidence and creativity


Outfit repeating is a privilege, not a problem


Consumption noise is loud, and peace comes from stepping back


You can’t buy your way into confidence


Gradual, subtle changes are more powerful than instant makeovers


🔑 Keywords
fashion psychology, emotional spending, body image, no‑buy challenge, wardrobe reset, identity, self‑worth, frugal fashion, sustainability, minimalism, The Wardrobe Project, Emma Edwards]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2161</itunes:duration>
                <itunes:episode>148</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Image_Emma_Edwards7d2fg.jpg" />    </item>
    <item>
        <title>139: The Wardrobe Project with Emma Edwards</title>
        <itunes:title>139: The Wardrobe Project with Emma Edwards</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/139-the-wardrobe-project-with-emma-edwards/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/139-the-wardrobe-project-with-emma-edwards/#comments</comments>        <pubDate>Mon, 13 Apr 2026 15:24:11 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/ba9b510c-9140-36bb-9c76-1d443db101b3</guid>
                                    <description><![CDATA[<p>Serina sits down with Emma Edwards, writer, podcaster, financial behaviour educator, and author of The Wardrobe Project: A Year of Buying Less and Liking Yourself More. Together, they explore the emotional side of clothing, the stories we attach to our wardrobes, and the surprising ways fashion becomes tangled with identity, self‑worth, and money.</p>
<p>Emma shares how a year‑long no‑buy challenge transformed far more than her closet. From body image and “flattering” rules baked in during the 90s, to revenge spending during lockdown, to the fantasy selves we try to purchase online, Emma unpacks the psychology behind why we buy, and why we keep buying even when we already have more than enough.</p>
💡 Key Takeaways
<ul>
<li>
<p>Clothing is deeply emotional — especially for women</p>
</li>
<li>
<p>Many of us use fashion to patch over insecurity or identity gaps</p>
</li>
<li>
<p>The “rules” we learned in the 90s still shape how we dress today</p>
</li>
<li>
<p>Lockdown triggered revenge spending and fantasy‑self shopping</p>
</li>
<li>
<p>A no‑buy year creates space, quiet, and surprising self‑reflection</p>
</li>
<li>
<p>Using what you already have builds confidence and creativity</p>
</li>
<li>
<p>Outfit repeating is a privilege, not a problem</p>
</li>
<li>
<p>Consumption noise is loud — and peace comes from stepping back</p>
</li>
<li>
<p>You can’t buy your way into confidence</p>
</li>
<li>
<p>Gradual, subtle changes are more powerful than instant makeovers</p>
</li>
</ul>
🔑 Keywords
<p>fashion psychology, emotional spending, body image, no‑buy challenge, wardrobe reset, identity, self‑worth, frugal fashion, sustainability, minimalism, The Wardrobe Project, Emma Edwards</p>
<p> </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Serina sits down with Emma Edwards, writer, podcaster, financial behaviour educator, and author of <em>The Wardrobe Project: A Year of Buying Less and Liking Yourself More</em>. Together, they explore the emotional side of clothing, the stories we attach to our wardrobes, and the surprising ways fashion becomes tangled with identity, self‑worth, and money.</p>
<p>Emma shares how a year‑long no‑buy challenge transformed far more than her closet. From body image and “flattering” rules baked in during the 90s, to revenge spending during lockdown, to the fantasy selves we try to purchase online, Emma unpacks the psychology behind why we buy, and why we keep buying even when we already have more than enough.</p>
💡 Key Takeaways
<ul>
<li>
<p>Clothing is deeply emotional — especially for women</p>
</li>
<li>
<p>Many of us use fashion to patch over insecurity or identity gaps</p>
</li>
<li>
<p>The “rules” we learned in the 90s still shape how we dress today</p>
</li>
<li>
<p>Lockdown triggered revenge spending and fantasy‑self shopping</p>
</li>
<li>
<p>A no‑buy year creates space, quiet, and surprising self‑reflection</p>
</li>
<li>
<p>Using what you already have builds confidence and creativity</p>
</li>
<li>
<p>Outfit repeating is a privilege, not a problem</p>
</li>
<li>
<p>Consumption noise is loud — and peace comes from stepping back</p>
</li>
<li>
<p>You can’t buy your way into confidence</p>
</li>
<li>
<p>Gradual, subtle changes are more powerful than instant makeovers</p>
</li>
</ul>
🔑 Keywords
<p>fashion psychology, emotional spending, body image, no‑buy challenge, wardrobe reset, identity, self‑worth, frugal fashion, sustainability, minimalism, The Wardrobe Project, Emma Edwards</p>
<p> </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/dk4evywtc9f6q8yj/riverside_the_wardrobe_project_magic_episode_oct_31_2025_the_joyful_frugalis7x8s0.mp3" length="17294132" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Serina sits down with Emma Edwards, writer, podcaster, financial behaviour educator, and author of The Wardrobe Project: A Year of Buying Less and Liking Yourself More. Together, they explore the emotional side of clothing, the stories we attach to our wardrobes, and the surprising ways fashion becomes tangled with identity, self‑worth, and money.
Emma shares how a year‑long no‑buy challenge transformed far more than her closet. From body image and “flattering” rules baked in during the 90s, to revenge spending during lockdown, to the fantasy selves we try to purchase online, Emma unpacks the psychology behind why we buy, and why we keep buying even when we already have more than enough.
💡 Key Takeaways


Clothing is deeply emotional — especially for women


Many of us use fashion to patch over insecurity or identity gaps


The “rules” we learned in the 90s still shape how we dress today


Lockdown triggered revenge spending and fantasy‑self shopping


A no‑buy year creates space, quiet, and surprising self‑reflection


Using what you already have builds confidence and creativity


Outfit repeating is a privilege, not a problem


Consumption noise is loud — and peace comes from stepping back


You can’t buy your way into confidence


Gradual, subtle changes are more powerful than instant makeovers


🔑 Keywords
fashion psychology, emotional spending, body image, no‑buy challenge, wardrobe reset, identity, self‑worth, frugal fashion, sustainability, minimalism, The Wardrobe Project, Emma Edwards
 ]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2161</itunes:duration>
                <itunes:episode>147</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Image_Emma_Edwardsazoy9.jpg" /><podcast:chapters url="https://mcdn.podbean.com/mf/web/s7rztcnpubmhbvk3/riverside_the_wardrobe_project_magic_episode_oct_31_2025_the_joyful_frugalis7x8s0_chapters.json" type="application/json" />    </item>
    <item>
        <title>138: From punch cards to AI: Nick McNaughton's innovation and angel investor journey</title>
        <itunes:title>138: From punch cards to AI: Nick McNaughton's innovation and angel investor journey</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/138-from-punch-cards-to-ai-nick-mcnaughtons-innovation-and-angel-investor-journey-1775597222/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/138-from-punch-cards-to-ai-nick-mcnaughtons-innovation-and-angel-investor-journey-1775597222/#comments</comments>        <pubDate>Wed, 08 Apr 2026 08:27:02 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/681b1764-1899-3c8f-bb06-5d99a6934eef</guid>
                                    <description><![CDATA[<p>In this episode of The Joyful Frugalista, Serina sits down with someone who has inspired her especially when it comes to startups and angel investing.</p>
<p>Nick McNaughton describes himself as “retired,” though anyone who knows him would say he’s simply entered a new, more self‑directed chapter of creativity and exploration. After decades as one of Canberra’s most influential innovation leaders (investor, mentor, venture fund CEO, and ecosystem builder), Nick has stepped back from formal roles to explore life on his own terms.</p>
<p>Part of that new chapter is his YouTube channel, Max.Trax.Relax, where he documents adventures, experiments, and reflections, including a thoughtful series on retirement.

Key Topics</p>
<ul class="css-h4c1sf">
<li>Nick McNaughton's journey from tech to investment</li>
<li>The evolution of the technology industry over 50 years</li>
<li>The Canberra innovation ecosystem and its success factors</li>
<li>How to identify promising startups for investment</li>
<li>The impact of AI on jobs, entrepreneurship, and society</li>
<li>Strategies for a purposeful and balanced retirement</li>
</ul>
]]></description>
                                                            <content:encoded><![CDATA[<p>In this episode of <em>The Joyful Frugalista</em>, Serina sits down with someone who has inspired her especially when it comes to startups and angel investing.</p>
<p>Nick McNaughton describes himself as “retired,” though anyone who knows him would say he’s simply entered a new, more self‑directed chapter of creativity and exploration. After decades as one of Canberra’s most influential innovation leaders (investor, mentor, venture fund CEO, and ecosystem builder), Nick has stepped back from formal roles to explore life on his own terms.</p>
<p>Part of that new chapter is his YouTube channel, Max.Trax.Relax, where he documents adventures, experiments, and reflections, including a thoughtful series on retirement.<br>
<br>
Key Topics</p>
<ul class="css-h4c1sf">
<li>Nick McNaughton's journey from tech to investment</li>
<li>The evolution of the technology industry over 50 years</li>
<li>The Canberra innovation ecosystem and its success factors</li>
<li>How to identify promising startups for investment</li>
<li>The impact of AI on jobs, entrepreneurship, and society</li>
<li>Strategies for a purposeful and balanced retirement</li>
</ul>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/7pwr2nkcnm42ginf/riverside_podcast_with_nick_mcna_magic_episode_mar_27_the_joyful_frugalis7mmuw.mp3" length="19268735" type="audio/mpeg"/>
        <itunes:summary><![CDATA[In this episode of The Joyful Frugalista, Serina sits down with someone who has inspired her especially when it comes to startups and angel investing.
Nick McNaughton describes himself as “retired,” though anyone who knows him would say he’s simply entered a new, more self‑directed chapter of creativity and exploration. After decades as one of Canberra’s most influential innovation leaders (investor, mentor, venture fund CEO, and ecosystem builder), Nick has stepped back from formal roles to explore life on his own terms.
Part of that new chapter is his YouTube channel, Max.Trax.Relax, where he documents adventures, experiments, and reflections, including a thoughtful series on retirement.Key Topics

Nick McNaughton's journey from tech to investment
The evolution of the technology industry over 50 years
The Canberra innovation ecosystem and its success factors
How to identify promising startups for investment
The impact of AI on jobs, entrepreneurship, and society
Strategies for a purposeful and balanced retirement
]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2408</itunes:duration>
                <itunes:episode>146</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Nick_McNaughton_photobfbla.jpg" /><podcast:chapters url="https://mcdn.podbean.com/mf/web/unbcu2atqyvy9tv7/riverside_podcast_with_nick_mcna_magic_episode_mar_27_the_joyful_frugalis7mmuw_chapters.json" type="application/json" />    </item>
    <item>
        <title>138: VIDEO From punch cards to AI: Nick McNaughton's innovation and angel investor journey</title>
        <itunes:title>138: VIDEO From punch cards to AI: Nick McNaughton's innovation and angel investor journey</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/138-from-punch-cards-to-ai-nick-mcnaughtons-innovation-and-angel-investor-journey/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/138-from-punch-cards-to-ai-nick-mcnaughtons-innovation-and-angel-investor-journey/#comments</comments>        <pubDate>Sun, 29 Mar 2026 18:41:12 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/50527147-de34-3f7a-bf5a-336e1d1af8b0</guid>
                                    <description><![CDATA[<p>In this episode of The Joyful Frugalista, Serina sits down with someone who has inspired her especially when it comes to startups and angel investing.</p>
<p>Nick McNaughton describes himself as “retired,” though anyone who knows him would say he’s simply entered a new, more self‑directed chapter of creativity and exploration. After decades as one of Canberra’s most influential innovation leaders (investor, mentor, venture fund CEO, and ecosystem builder), Nick has stepped back from formal roles to explore life on his own terms.</p>
<p>Part of that new chapter is his YouTube channel, Max.Trax.Relax, where he documents adventures, experiments, and reflections, including a thoughtful series on retirement.

Key Topics</p>
<ul class="css-h4c1sf">
<li>Nick McNaughton's journey from tech to investment</li>
<li>The evolution of the technology industry over 50 years</li>
<li>The Canberra innovation ecosystem and its success factors</li>
<li>How to identify promising startups for investment</li>
<li>The impact of AI on jobs, entrepreneurship, and society</li>
<li>Strategies for a purposeful and balanced retirement</li>
</ul>
]]></description>
                                                            <content:encoded><![CDATA[<p>In this episode of <em>The Joyful Frugalista</em>, Serina sits down with someone who has inspired her especially when it comes to startups and angel investing.</p>
<p>Nick McNaughton describes himself as “retired,” though anyone who knows him would say he’s simply entered a new, more self‑directed chapter of creativity and exploration. After decades as one of Canberra’s most influential innovation leaders (investor, mentor, venture fund CEO, and ecosystem builder), Nick has stepped back from formal roles to explore life on his own terms.</p>
<p>Part of that new chapter is his YouTube channel, Max.Trax.Relax, where he documents adventures, experiments, and reflections, including a thoughtful series on retirement.<br>
<br>
Key Topics</p>
<ul class="css-h4c1sf">
<li>Nick McNaughton's journey from tech to investment</li>
<li>The evolution of the technology industry over 50 years</li>
<li>The Canberra innovation ecosystem and its success factors</li>
<li>How to identify promising startups for investment</li>
<li>The impact of AI on jobs, entrepreneurship, and society</li>
<li>Strategies for a purposeful and balanced retirement</li>
</ul>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/2enxuafdhgb94n4i/riverside_podcast_with_nick_mcna_magic_episode_mar_27_the_joyful_frugalisbp3y9.mp4" length="660298796" type="video/mp4"/>
        <itunes:summary><![CDATA[In this episode of The Joyful Frugalista, Serina sits down with someone who has inspired her especially when it comes to startups and angel investing.
Nick McNaughton describes himself as “retired,” though anyone who knows him would say he’s simply entered a new, more self‑directed chapter of creativity and exploration. After decades as one of Canberra’s most influential innovation leaders (investor, mentor, venture fund CEO, and ecosystem builder), Nick has stepped back from formal roles to explore life on his own terms.
Part of that new chapter is his YouTube channel, Max.Trax.Relax, where he documents adventures, experiments, and reflections, including a thoughtful series on retirement.Key Topics

Nick McNaughton's journey from tech to investment
The evolution of the technology industry over 50 years
The Canberra innovation ecosystem and its success factors
How to identify promising startups for investment
The impact of AI on jobs, entrepreneurship, and society
Strategies for a purposeful and balanced retirement
]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
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    <item>
        <title>137: VIDEO Practical retirement planning with James Wrigley</title>
        <itunes:title>137: VIDEO Practical retirement planning with James Wrigley</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/137-video-practical-retirement-planning-with-james-wrigley/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/137-video-practical-retirement-planning-with-james-wrigley/#comments</comments>        <pubDate>Sun, 22 Mar 2026 17:58:08 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/982b1c4e-ef20-370f-98ed-289b50163c92</guid>
                                    <description><![CDATA[<p><a href='https://www.jameswrigley.com.au/'>James Wrigley</a>, one of Australia’s most-followed financial advisers and author of Retire Life Ready: Practical Steps to Build Your Wealth and Live Your Ideal Retirement, joins The Joyful Frugalista to chat about demystifying retirement planning and challenge what a “good retirement” really looks like.</p>

<p>With over two decades of experience helping Australians take control of their finances, James shares a practical and realistic approach to retirement. This episode explores how to define an ideal retirement lifestyle, the role of superannuation and home ownership, balancing future goals with present enjoyment, and why retirement planning isn’t just about money, but also about choices, flexibility, and peace of mind.</p>

💡 Key Takeaways
<ul>
<li>Retirement looks different for everyone </li>
<li>Superannuation plays a critical role</li>
<li>Reducing debt before retirement can significantly increase financial confidence and flexibility</li>
<li>It’s possible to plan for the future without sacrificing joy in the present</li>
<li>Good retirement planning also considers healthcare, legacy, and the next generation.

</li>
</ul>
<p> </p>

Topics We Cover
<ul>
<li>Retirement planning in Australia</li>
<li>How much money you need for a comfortable retirement</li>
<li>Superannuation tips and common retirement mistakes</li>
<li>Paying off your mortgage before retirement</li>
<li>Investment properties and retirement strategy</li>
<li>Healthcare costs in retirement</li>
<li>Early retirement vs balanced living</li>
<li>Estate planning, wills, and inheritance considerations</li>
<li>Practical financial advice for pre-retirees and retirees</li>
</ul>
<p> </p>


Resources &amp; Links
<ul>
<li>📘 <a href='https://www.amazon.com.au/s?k=retire+life+ready+james+wrigley&amp;adgrpid=86654901266&amp;gad_source=1&amp;hvadid=583989854303&amp;hvdev=c&amp;hvexpln=0&amp;hvlocphy=9212869&amp;hvnetw=g&amp;hvocijid=13489034932354157878--&amp;hvqmt=e&amp;hvrand=13489034932354157878&amp;hvtargid=kwd-2440214405919&amp;hydadcr=7614_332964&amp;mcid=f10e544217b03a10914646c555582496&amp;tag=googhydr0au-22&amp;ref=pd_sl_62g4yu4rx8_e'>Retire Life Ready</a> by James Wrigley</li>
<li>🌐 <a href='https://www.jameswrigley.com.au/'>James Wrigley</a> – Financial Advice &amp; Resources</li>
<li>📱 Follow James Wrigley on <a href='https://www.instagram.com/iamjameswrigley/?hl=en'>Instagram</a></li>
<li>📱 The Joyful Frugalista on <a href='https://www.instagram.com/thejoyfulfrugalista/?hl=en'>Instagram</a></li>
</ul>


Listen &amp; Subscribe
<p>Loved this episode of The Joyful Frugalista Podcast?</p>
<p>✅ Subscribe so you don’t miss future conversations
✅ Share this episode with a friend planning their financial future
✅ Leave a rating or review to help more frugalistas find the show
✅ Join <a href='https://www.facebook.com/groups/thejoyfulfrugalista'>The Joyful Frugalista Facebook Group</a></p>




]]></description>
                                                            <content:encoded><![CDATA[<p><a href='https://www.jameswrigley.com.au/'>James Wrigley</a>, one of Australia’s most-followed financial advisers and author of <em>Retire Life Ready: Practical Steps to Build Your Wealth and Live Your Ideal Retirement</em>, joins The Joyful Frugalista to chat about demystifying retirement planning and challenge what a “good retirement” really looks like.</p>

<p>With over two decades of experience helping Australians take control of their finances, James shares a practical and realistic approach to retirement. This episode explores how to define an ideal retirement lifestyle, the role of superannuation and home ownership, balancing future goals with present enjoyment, and why retirement planning isn’t just about money, but also about choices, flexibility, and peace of mind.</p>

💡 Key Takeaways
<ul>
<li>Retirement looks different for everyone </li>
<li>Superannuation plays a critical role</li>
<li>Reducing debt before retirement can significantly increase financial confidence and flexibility</li>
<li>It’s possible to plan for the future without sacrificing joy in the present</li>
<li>Good retirement planning also considers healthcare, legacy, and the next generation.<br>
<br>
</li>
</ul>
<p> </p>

Topics We Cover
<ul>
<li>Retirement planning in Australia</li>
<li>How much money you need for a comfortable retirement</li>
<li>Superannuation tips and common retirement mistakes</li>
<li>Paying off your mortgage before retirement</li>
<li>Investment properties and retirement strategy</li>
<li>Healthcare costs in retirement</li>
<li>Early retirement vs balanced living</li>
<li>Estate planning, wills, and inheritance considerations</li>
<li>Practical financial advice for pre-retirees and retirees</li>
</ul>
<p> </p>


Resources &amp; Links
<ul>
<li>📘 <a href='https://www.amazon.com.au/s?k=retire+life+ready+james+wrigley&amp;adgrpid=86654901266&amp;gad_source=1&amp;hvadid=583989854303&amp;hvdev=c&amp;hvexpln=0&amp;hvlocphy=9212869&amp;hvnetw=g&amp;hvocijid=13489034932354157878--&amp;hvqmt=e&amp;hvrand=13489034932354157878&amp;hvtargid=kwd-2440214405919&amp;hydadcr=7614_332964&amp;mcid=f10e544217b03a10914646c555582496&amp;tag=googhydr0au-22&amp;ref=pd_sl_62g4yu4rx8_e'><em>Retire Life Ready</em></a> by James Wrigley</li>
<li>🌐 <a href='https://www.jameswrigley.com.au/'>James Wrigley</a> – Financial Advice &amp; Resources</li>
<li>📱 Follow James Wrigley on <a href='https://www.instagram.com/iamjameswrigley/?hl=en'>Instagram</a></li>
<li>📱 The Joyful Frugalista on <a href='https://www.instagram.com/thejoyfulfrugalista/?hl=en'>Instagram</a></li>
</ul>


Listen &amp; Subscribe
<p>Loved this episode of The Joyful Frugalista Podcast?</p>
<p>✅ Subscribe so you don’t miss future conversations<br>
✅ Share this episode with a friend planning their financial future<br>
✅ Leave a rating or review to help more frugalistas find the show<br>
✅ Join <a href='https://www.facebook.com/groups/thejoyfulfrugalista'>The Joyful Frugalista Facebook Group</a></p>




]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/jie3i3ipfajvvcy2/riverside_podcast_with_james_wri_magic_episode_sep_23_the_joyful_frugalis7v2rh.mp4" length="620923081" type="video/mp4"/>
        <itunes:summary><![CDATA[James Wrigley, one of Australia’s most-followed financial advisers and author of Retire Life Ready: Practical Steps to Build Your Wealth and Live Your Ideal Retirement, joins The Joyful Frugalista to chat about demystifying retirement planning and challenge what a “good retirement” really looks like.

With over two decades of experience helping Australians take control of their finances, James shares a practical and realistic approach to retirement. This episode explores how to define an ideal retirement lifestyle, the role of superannuation and home ownership, balancing future goals with present enjoyment, and why retirement planning isn’t just about money, but also about choices, flexibility, and peace of mind.

💡 Key Takeaways

Retirement looks different for everyone 
Superannuation plays a critical role
Reducing debt before retirement can significantly increase financial confidence and flexibility
It’s possible to plan for the future without sacrificing joy in the present
Good retirement planning also considers healthcare, legacy, and the next generation.

 

Topics We Cover

Retirement planning in Australia
How much money you need for a comfortable retirement
Superannuation tips and common retirement mistakes
Paying off your mortgage before retirement
Investment properties and retirement strategy
Healthcare costs in retirement
Early retirement vs balanced living
Estate planning, wills, and inheritance considerations
Practical financial advice for pre-retirees and retirees

 


Resources &amp; Links

📘 Retire Life Ready by James Wrigley
🌐 James Wrigley – Financial Advice &amp; Resources
📱 Follow James Wrigley on Instagram
📱 The Joyful Frugalista on Instagram



Listen &amp; Subscribe
Loved this episode of The Joyful Frugalista Podcast?
✅ Subscribe so you don’t miss future conversations✅ Share this episode with a friend planning their financial future✅ Leave a rating or review to help more frugalistas find the show✅ Join The Joyful Frugalista Facebook Group




]]></itunes:summary>
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                <itunes:episode>137</itunes:episode>
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    <item>
        <title>137: Practical retirement planning with James Wrigley</title>
        <itunes:title>137: Practical retirement planning with James Wrigley</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/137-practical-retirement-planning-with-james-wrigley/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/137-practical-retirement-planning-with-james-wrigley/#comments</comments>        <pubDate>Sat, 21 Mar 2026 15:18:37 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/bd4edf07-ac7a-3248-9682-d88a05e7f482</guid>
                                    <description><![CDATA[<p><a href='https://www.jameswrigley.com.au/'>James Wrigley</a>, one of Australia’s most-followed financial advisers and author of Retire Life Ready: Practical Steps to Build Your Wealth and Live Your Ideal Retirement, joins The Joyful Frugalista to chat about demystifying retirement planning and challenge what a “good retirement” really looks like.</p>

<p>With over two decades of experience helping Australians take control of their finances, James shares a practical and realistic approach to retirement. This episode explores how to define an ideal retirement lifestyle, the role of superannuation and home ownership, balancing future goals with present enjoyment, and why retirement planning isn’t just about money, but also about choices, flexibility, and peace of mind.</p>

💡 Key Takeaways
<ul>
<li>Retirement looks different for everyone </li>
<li>Superannuation plays a critical role</li>
<li>Reducing debt before retirement can significantly increase financial confidence and flexibility</li>
<li>It’s possible to plan for the future without sacrificing joy in the present</li>
<li>Good retirement planning also considers healthcare, legacy, and the next generation.

</li>
</ul>
<p> </p>

Topics We Cover
<ul>
<li>Retirement planning in Australia</li>
<li>How much money you need for a comfortable retirement</li>
<li>Superannuation tips and common retirement mistakes</li>
<li>Paying off your mortgage before retirement</li>
<li>Investment properties and retirement strategy</li>
<li>Healthcare costs in retirement</li>
<li>Early retirement vs balanced living</li>
<li>Estate planning, wills, and inheritance considerations</li>
<li>Practical financial advice for pre-retirees and retirees</li>
</ul>
<p> </p>


Resources &amp; Links
<ul>
<li>📘 <a href='https://www.amazon.com.au/s?k=retire+life+ready+james+wrigley&amp;adgrpid=86654901266&amp;gad_source=1&amp;hvadid=583989854303&amp;hvdev=c&amp;hvexpln=0&amp;hvlocphy=9212869&amp;hvnetw=g&amp;hvocijid=13489034932354157878--&amp;hvqmt=e&amp;hvrand=13489034932354157878&amp;hvtargid=kwd-2440214405919&amp;hydadcr=7614_332964&amp;mcid=f10e544217b03a10914646c555582496&amp;tag=googhydr0au-22&amp;ref=pd_sl_62g4yu4rx8_e'>Retire Life Ready</a> by James Wrigley</li>
<li>🌐 <a href='https://www.jameswrigley.com.au/'>James Wrigley</a> – Financial Advice &amp; Resources</li>
<li>📱 Follow James Wrigley on <a href='https://www.instagram.com/iamjameswrigley/?hl=en'>Instagram</a></li>
<li>📱 The Joyful Frugalista on <a href='https://www.instagram.com/thejoyfulfrugalista/?hl=en'>Instagram</a></li>
</ul>


Listen &amp; Subscribe
<p>Loved this episode of The Joyful Frugalista Podcast?</p>
<p>✅ Subscribe so you don’t miss future conversations
✅ Share this episode with a friend planning their financial future
✅ Leave a rating or review to help more frugalistas find the show
✅ Join <a href='https://www.facebook.com/groups/thejoyfulfrugalista'>The Joyful Frugalista Facebook Group</a></p>




<p> </p>

<p> </p>
]]></description>
                                                            <content:encoded><![CDATA[<p><a href='https://www.jameswrigley.com.au/'>James Wrigley</a>, one of Australia’s most-followed financial advisers and author of <em>Retire Life Ready: Practical Steps to Build Your Wealth and Live Your Ideal Retirement</em>, joins The Joyful Frugalista to chat about demystifying retirement planning and challenge what a “good retirement” really looks like.</p>

<p>With over two decades of experience helping Australians take control of their finances, James shares a practical and realistic approach to retirement. This episode explores how to define an ideal retirement lifestyle, the role of superannuation and home ownership, balancing future goals with present enjoyment, and why retirement planning isn’t just about money, but also about choices, flexibility, and peace of mind.</p>

💡 Key Takeaways
<ul>
<li>Retirement looks different for everyone </li>
<li>Superannuation plays a critical role</li>
<li>Reducing debt before retirement can significantly increase financial confidence and flexibility</li>
<li>It’s possible to plan for the future without sacrificing joy in the present</li>
<li>Good retirement planning also considers healthcare, legacy, and the next generation.<br>
<br>
</li>
</ul>
<p> </p>

Topics We Cover
<ul>
<li>Retirement planning in Australia</li>
<li>How much money you need for a comfortable retirement</li>
<li>Superannuation tips and common retirement mistakes</li>
<li>Paying off your mortgage before retirement</li>
<li>Investment properties and retirement strategy</li>
<li>Healthcare costs in retirement</li>
<li>Early retirement vs balanced living</li>
<li>Estate planning, wills, and inheritance considerations</li>
<li>Practical financial advice for pre-retirees and retirees</li>
</ul>
<p> </p>


Resources &amp; Links
<ul>
<li>📘 <a href='https://www.amazon.com.au/s?k=retire+life+ready+james+wrigley&amp;adgrpid=86654901266&amp;gad_source=1&amp;hvadid=583989854303&amp;hvdev=c&amp;hvexpln=0&amp;hvlocphy=9212869&amp;hvnetw=g&amp;hvocijid=13489034932354157878--&amp;hvqmt=e&amp;hvrand=13489034932354157878&amp;hvtargid=kwd-2440214405919&amp;hydadcr=7614_332964&amp;mcid=f10e544217b03a10914646c555582496&amp;tag=googhydr0au-22&amp;ref=pd_sl_62g4yu4rx8_e'><em>Retire Life Ready</em></a> by James Wrigley</li>
<li>🌐 <a href='https://www.jameswrigley.com.au/'>James Wrigley</a> – Financial Advice &amp; Resources</li>
<li>📱 Follow James Wrigley on <a href='https://www.instagram.com/iamjameswrigley/?hl=en'>Instagram</a></li>
<li>📱 The Joyful Frugalista on <a href='https://www.instagram.com/thejoyfulfrugalista/?hl=en'>Instagram</a></li>
</ul>


Listen &amp; Subscribe
<p>Loved this episode of The Joyful Frugalista Podcast?</p>
<p>✅ Subscribe so you don’t miss future conversations<br>
✅ Share this episode with a friend planning their financial future<br>
✅ Leave a rating or review to help more frugalistas find the show<br>
✅ Join <a href='https://www.facebook.com/groups/thejoyfulfrugalista'>The Joyful Frugalista Facebook Group</a></p>




<p> </p>

<p> </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/95btv4tqsin9bdiy/riverside_podcast_with_james_wri_magic_episode_sep_23_the_joyful_frugalis9g2s4.mp3" length="18362185" type="audio/mpeg"/>
        <itunes:summary>James Wrigley, one of Australia’s most-followed financial advisers and author of Retire Life Ready: Practical Steps to Build Your Wealth and Live Your Ideal Retirement, joins The Joyful Frugalista to chat about demystify retirement planning and challenge what a “good retirement” really looks like.</itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2295</itunes:duration>
                <itunes:episode>13</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/James_Wrigley_photo7o55m.jpg" /><podcast:chapters url="https://mcdn.podbean.com/mf/web/rxcyz869mii6sgh3/riverside_podcast_with_james_wri_magic_episode_sep_23_the_joyful_frugalis9g2s4_chapters.json" type="application/json" />    </item>
    <item>
        <title>136: VIDEO decluttering, money and mindset with Virginia Wells</title>
        <itunes:title>136: VIDEO decluttering, money and mindset with Virginia Wells</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/136-video-decluttering-money-and-mindset-with-virginia-wells/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/136-video-decluttering-money-and-mindset-with-virginia-wells/#comments</comments>        <pubDate>Wed, 07 Jan 2026 23:25:53 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/fa474d7b-f6a8-39fb-a4eb-28a3fc163afb</guid>
                                    <description><![CDATA[<p>Serina sits down with Virginia Wells, professional organiser and founder of <a href='https://www.getwellsorted.com.au/'>WellSorted</a>, to explore the deep emotional, psychological, and financial layers of clutter. From the hidden costs of “too much stuff” to the surprising ways clutter reflects our money mindset, Virginia brings compassion, clarity, and practical wisdom to a topic that affects almost everyone. Together, they unpack why Australians have more possessions than ever, how clutter creeps beyond our homes into our schedules and relationships, and why letting go can feel so hard. </p>
💡 Key Takeaways
<ul>
<li>
<p>Clutter has emotional, psychological, and financial costs</p>
</li>
<li>
<p>Australia is following the US in having some of the world’s largest home footprints</p>
</li>
<li>
<p>Clutter extends beyond physical items into schedules, inboxes, relationships, and beliefs</p>
</li>
<li>
<p>We often acquire things from fear, impulse, or scarcity mindset</p>
</li>
<li>
<p>Decluttering value personalities influence what we keep and why</p>
</li>
<li>Hidden financial costs include late fees, duplicate purchases, and storage units</li>
<li>
<p>Clutter can strain relationships and increase anxiety and depression</p>
</li>
<li>
<p>Creativity and resourcefulness help overcome “just in case” thinking</p>
</li>
<li>
<p>Community groups like Buy Nothing and homesteading groups support circular living</p>
</li>
</ul>
]]></description>
                                                            <content:encoded><![CDATA[<p>Serina sits down with Virginia Wells, professional organiser and founder of <a href='https://www.getwellsorted.com.au/'>WellSorted</a>, to explore the deep emotional, psychological, and financial layers of clutter. From the hidden costs of “too much stuff” to the surprising ways clutter reflects our money mindset, Virginia brings compassion, clarity, and practical wisdom to a topic that affects almost everyone. Together, they unpack why Australians have more possessions than ever, how clutter creeps beyond our homes into our schedules and relationships, and why letting go can feel so hard. </p>
💡 Key Takeaways
<ul>
<li>
<p>Clutter has emotional, psychological, and financial costs</p>
</li>
<li>
<p>Australia is following the US in having some of the world’s largest home footprints</p>
</li>
<li>
<p>Clutter extends beyond physical items into schedules, inboxes, relationships, and beliefs</p>
</li>
<li>
<p>We often acquire things from fear, impulse, or scarcity mindset</p>
</li>
<li>
<p>Decluttering value personalities influence what we keep and why</p>
</li>
<li>Hidden financial costs include late fees, duplicate purchases, and storage units</li>
<li>
<p>Clutter can strain relationships and increase anxiety and depression</p>
</li>
<li>
<p>Creativity and resourcefulness help overcome “just in case” thinking</p>
</li>
<li>
<p>Community groups like Buy Nothing and homesteading groups support circular living</p>
</li>
</ul>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/qmub9wmmrbxmjkcg/riverside_podcast_with_virginia_magic_episode_sep_19_the_joyful_frugalis_1_61d4t.mp4" length="492706084" type="video/mp4"/>
        <itunes:summary><![CDATA[Serina sits down with Virginia Wells, professional organiser and founder of WellSorted, to explore the deep emotional, psychological, and financial layers of clutter. From the hidden costs of “too much stuff” to the surprising ways clutter reflects our money mindset, Virginia brings compassion, clarity, and practical wisdom to a topic that affects almost everyone. Together, they unpack why Australians have more possessions than ever, how clutter creeps beyond our homes into our schedules and relationships, and why letting go can feel so hard. 
💡 Key Takeaways


Clutter has emotional, psychological, and financial costs


Australia is following the US in having some of the world’s largest home footprints


Clutter extends beyond physical items into schedules, inboxes, relationships, and beliefs


We often acquire things from fear, impulse, or scarcity mindset


Decluttering value personalities influence what we keep and why

Hidden financial costs include late fees, duplicate purchases, and storage units

Clutter can strain relationships and increase anxiety and depression


Creativity and resourcefulness help overcome “just in case” thinking


Community groups like Buy Nothing and homesteading groups support circular living

]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1782</itunes:duration>
                <itunes:episode>144</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/GINNIE-HS-007-WEB_heh6cm.jpg" /><podcast:chapters url="https://mcdn.podbean.com/mf/web/xtv4zaa428z249z9/riverside_podcast_with_virginia_magic_episode_sep_19_the_joyful_frugalis_1_61d4t_chapters.json" type="application/json" />    </item>
    <item>
        <title>136: Decluttering, money &amp; mindset with Virginia Wells</title>
        <itunes:title>136: Decluttering, money &amp; mindset with Virginia Wells</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/135-decluttering-money-mindset-with-virginia-wells/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/135-decluttering-money-mindset-with-virginia-wells/#comments</comments>        <pubDate>Sun, 04 Jan 2026 21:17:23 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/b4950b1d-a0c4-3463-a8a8-16a8e31a73a9</guid>
                                    <description><![CDATA[<p>Serina sits down with Virginia Wells, professional organiser and founder of <a href='https://www.getwellsorted.com.au/'>WellSorted</a>, to explore the deep emotional, psychological, and financial layers of clutter. From the hidden costs of “too much stuff” to the surprising ways clutter reflects our money mindset, Virginia brings compassion, clarity, and practical wisdom to a topic that affects almost everyone. Together, they unpack why Australians have more possessions than ever, how clutter creeps beyond our homes into our schedules and relationships, and why letting go can feel so hard. </p>
💡 Key Takeaways
<ul>
<li>
<p>Clutter has emotional, psychological, and financial costs</p>
</li>
<li>
<p>Australia is following the US in having some of the world’s largest home footprints</p>
</li>
<li>
<p>Clutter extends beyond physical items into schedules, inboxes, relationships, and beliefs</p>
</li>
<li>
<p>We often acquire things from fear, impulse, or scarcity mindset</p>
</li>
<li>
<p>Decluttering value personalities influence what we keep and why</p>
</li>
<li>Hidden financial costs include late fees, duplicate purchases, and storage units</li>
<li>
<p>Clutter can strain relationships and increase anxiety and depression</p>
</li>
<li>
<p>Creativity and resourcefulness help overcome “just in case” thinking</p>
</li>
<li>
<p>Community groups like Buy Nothing and homesteading groups support circular living</p>
</li>
</ul>
<p> </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Serina sits down with Virginia Wells, professional organiser and founder of <a href='https://www.getwellsorted.com.au/'>WellSorted</a>, to explore the deep emotional, psychological, and financial layers of clutter. From the hidden costs of “too much stuff” to the surprising ways clutter reflects our money mindset, Virginia brings compassion, clarity, and practical wisdom to a topic that affects almost everyone. Together, they unpack why Australians have more possessions than ever, how clutter creeps beyond our homes into our schedules and relationships, and why letting go can feel so hard. </p>
💡 Key Takeaways
<ul>
<li>
<p>Clutter has emotional, psychological, and financial costs</p>
</li>
<li>
<p>Australia is following the US in having some of the world’s largest home footprints</p>
</li>
<li>
<p>Clutter extends beyond physical items into schedules, inboxes, relationships, and beliefs</p>
</li>
<li>
<p>We often acquire things from fear, impulse, or scarcity mindset</p>
</li>
<li>
<p>Decluttering value personalities influence what we keep and why</p>
</li>
<li>Hidden financial costs include late fees, duplicate purchases, and storage units</li>
<li>
<p>Clutter can strain relationships and increase anxiety and depression</p>
</li>
<li>
<p>Creativity and resourcefulness help overcome “just in case” thinking</p>
</li>
<li>
<p>Community groups like Buy Nothing and homesteading groups support circular living</p>
</li>
</ul>
<p> </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/sn7i7wi3ksn7ktce/riverside_podcast_with_virginia_magic_episode_sep_19_the_joyful_frugalis6mtc3.mp3" length="14257232" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Serina sits down with Virginia Wells, professional organiser and founder of WellSorted, to explore the deep emotional, psychological, and financial layers of clutter. From the hidden costs of “too much stuff” to the surprising ways clutter reflects our money mindset, Virginia brings compassion, clarity, and practical wisdom to a topic that affects almost everyone. Together, they unpack why Australians have more possessions than ever, how clutter creeps beyond our homes into our schedules and relationships, and why letting go can feel so hard. 
💡 Key Takeaways


Clutter has emotional, psychological, and financial costs


Australia is following the US in having some of the world’s largest home footprints


Clutter extends beyond physical items into schedules, inboxes, relationships, and beliefs


We often acquire things from fear, impulse, or scarcity mindset


Decluttering value personalities influence what we keep and why

Hidden financial costs include late fees, duplicate purchases, and storage units

Clutter can strain relationships and increase anxiety and depression


Creativity and resourcefulness help overcome “just in case” thinking


Community groups like Buy Nothing and homesteading groups support circular living


 ]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1782</itunes:duration>
                <itunes:episode>143</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/GINNIE-HS-007-WEB_dyabeq.jpg" />    </item>
    <item>
        <title>135: The Financial Reset with Gemma Mitchell</title>
        <itunes:title>135: The Financial Reset with Gemma Mitchell</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/135-the-financial-reset-with-gemma-mitchell/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/135-the-financial-reset-with-gemma-mitchell/#comments</comments>        <pubDate>Thu, 23 Oct 2025 10:26:46 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/fc0e5be7-8ae3-3a3c-b754-0a89ceed6f40</guid>
                                    <description><![CDATA[<p>Financial advisor and author of The Financial Reset: Take Control of Your Money and Your Life, Gemma Mitchell shares her insights on navigating financial upheaval during major life transitions—like divorce, job loss, or unexpected change. Drawing from her own experiences and professional expertise, Gemma shares details of her 12-step financial reset plan, designed to help listeners rebuild with clarity and confidence. </p>
<p>💡 Key Takeaways:</p>
<ul>
<li>
<p>Financial resilience is essential during life transitions.</p>
</li>
<li>
<p>Small, consistent actions can lead to meaningful recovery.</p>
</li>
<li>
<p>You don’t need perfect goals to begin again.</p>
</li>
<li>
<p>The “slingshot moment” is a powerful metaphor for post-crisis growth.</p>
</li>
<li>
<p>A structured reset plan simplifies financial decision-making.</p>
</li>
<li>
<p>Superannuation is a cornerstone of long-term financial health.</p>
</li>
<li>
<p>Mindset influences every financial choice.</p>
</li>
<li>
<p>The “treat yourself” culture can sabotage progress.</p>
</li>
<li>
<p>Community support and resource-sharing are underrated tools.</p>
</li>
<li>
<p>Financial habits can be unlearned and reshaped.</p>
</li>
</ul>
]]></description>
                                                            <content:encoded><![CDATA[<p>Financial advisor and author of <em>The Financial Reset: Take Control of Your Money and Your Life</em>, Gemma Mitchell shares her insights on navigating financial upheaval during major life transitions—like divorce, job loss, or unexpected change. Drawing from her own experiences and professional expertise, Gemma shares details of her 12-step financial reset plan, designed to help listeners rebuild with clarity and confidence. </p>
<p>💡 Key Takeaways:</p>
<ul>
<li>
<p>Financial resilience is essential during life transitions.</p>
</li>
<li>
<p>Small, consistent actions can lead to meaningful recovery.</p>
</li>
<li>
<p>You don’t need perfect goals to begin again.</p>
</li>
<li>
<p>The “slingshot moment” is a powerful metaphor for post-crisis growth.</p>
</li>
<li>
<p>A structured reset plan simplifies financial decision-making.</p>
</li>
<li>
<p>Superannuation is a cornerstone of long-term financial health.</p>
</li>
<li>
<p>Mindset influences every financial choice.</p>
</li>
<li>
<p>The “treat yourself” culture can sabotage progress.</p>
</li>
<li>
<p>Community support and resource-sharing are underrated tools.</p>
</li>
<li>
<p>Financial habits can be unlearned and reshaped.</p>
</li>
</ul>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/atk6f7fhzz64hvim/riverside_gemma_magic_episode_sep_19_2025_the_joyful_frugalis75vpn.mp3" length="17821677" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Financial advisor and author of The Financial Reset: Take Control of Your Money and Your Life, Gemma Mitchell shares her insights on navigating financial upheaval during major life transitions—like divorce, job loss, or unexpected change. Drawing from her own experiences and professional expertise, Gemma shares details of her 12-step financial reset plan, designed to help listeners rebuild with clarity and confidence. 
💡 Key Takeaways:


Financial resilience is essential during life transitions.


Small, consistent actions can lead to meaningful recovery.


You don’t need perfect goals to begin again.


The “slingshot moment” is a powerful metaphor for post-crisis growth.


A structured reset plan simplifies financial decision-making.


Superannuation is a cornerstone of long-term financial health.


Mindset influences every financial choice.


The “treat yourself” culture can sabotage progress.


Community support and resource-sharing are underrated tools.


Financial habits can be unlearned and reshaped.

]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2227</itunes:duration>
                <itunes:episode>142</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/GMitchell2023_b9n64e.jpg" /><podcast:chapters url="https://mcdn.podbean.com/mf/web/3s8q57bv95bkf2qd/riverside_gemma_magic_episode_sep_19_2025_the_joyful_frugalis75vpn_chapters.json" type="application/json" />    </item>
    <item>
        <title>134: How to retire on $3,000 a Week with The Property Couch</title>
        <itunes:title>134: How to retire on $3,000 a Week with The Property Couch</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/134-how-to-retire-on-3000-a-week-with-the-property-couch-1758537239/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/134-how-to-retire-on-3000-a-week-with-the-property-couch-1758537239/#comments</comments>        <pubDate>Mon, 22 Sep 2025 21:33:59 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/a2b84784-8e1e-3f1f-8769-10bfcb1116ed</guid>
                                    <description><![CDATA[<p>In this episode of The Joyful Frugalista, Serina Bird is joined by Bryce Holdaway and Ben Kingsley — co-hosts of The Property Couch podcast and authors of How to Retire on $3,000 a Week. Together, they explore how everyday Australians can build long-term wealth through smart property investing.</p>
<p>Holdaway and Kingsley discuss the evolution of their investment philosophy, the importance of managing cash flow, and how to distinguish between good and bad debt. You’ll also hear practical strategies like the “seven day float,” and how offset accounts can offer financial flexibility and peace of mind in retirement.</p>
<p> </p>

<p>💡 Topics</p>
<ul>
<li>Why cash flow is king in property investing</li>
<li>The difference between good debt and bad debt</li>
<li>How offset accounts can reduce interest and increase flexibility</li>
<li>Why housing security is essential for retirement</li>
<li>The power of the “seven day float” for managing spending</li>
<li>How to avoid becoming a forced seller in a downturn</li>
<li>Why property investing is a long-term game</li>
</ul>

<p> </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>In this episode of <em>The Joyful Frugalista</em>, Serina Bird is joined by Bryce Holdaway and Ben Kingsley — co-hosts of <em>The Property Couch</em> podcast and authors of <em>How to Retire on $3,000 a Week</em>. Together, they explore how everyday Australians can build long-term wealth through smart property investing.</p>
<p>Holdaway and Kingsley discuss the evolution of their investment philosophy, the importance of managing cash flow, and how to distinguish between good and bad debt. You’ll also hear practical strategies like the “seven day float,” and how offset accounts can offer financial flexibility and peace of mind in retirement.</p>
<p> </p>

<p>💡 Topics</p>
<ul>
<li>Why cash flow is king in property investing</li>
<li>The difference between good debt and bad debt</li>
<li>How offset accounts can reduce interest and increase flexibility</li>
<li>Why housing security is essential for retirement</li>
<li>The power of the “seven day float” for managing spending</li>
<li>How to avoid becoming a forced seller in a downturn</li>
<li>Why property investing is a long-term game</li>
</ul>

<p> </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/7us7xhdeajqakdfd/riverside_the_property_couch_magic_episode_aug_1_2025_the_joyful_frugalis_1_8cc87.mp3" length="14972012" type="audio/mpeg"/>
        <itunes:summary><![CDATA[In this episode of The Joyful Frugalista, Serina Bird is joined by Bryce Holdaway and Ben Kingsley — co-hosts of The Property Couch podcast and authors of How to Retire on $3,000 a Week. Together, they explore how everyday Australians can build long-term wealth through smart property investing.
Holdaway and Kingsley discuss the evolution of their investment philosophy, the importance of managing cash flow, and how to distinguish between good and bad debt. You’ll also hear practical strategies like the “seven day float,” and how offset accounts can offer financial flexibility and peace of mind in retirement.
 

💡 Topics

Why cash flow is king in property investing
The difference between good debt and bad debt
How offset accounts can reduce interest and increase flexibility
Why housing security is essential for retirement
The power of the “seven day float” for managing spending
How to avoid becoming a forced seller in a downturn
Why property investing is a long-term game


 ]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1871</itunes:duration>
                <itunes:episode>141</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/TPC_with_the_new_book_iur9be.jpg" /><podcast:chapters url="https://mcdn.podbean.com/mf/web/w57v9gwj3ihr64gw/riverside_the_property_couch_magic_episode_aug_1_2025_the_joyful_frugalis_1_8cc87_chapters.json" type="application/json" />    </item>
    <item>
        <title>134: VIDEO How to retire on $3,000 a Week with The Property Couch</title>
        <itunes:title>134: VIDEO How to retire on $3,000 a Week with The Property Couch</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/134-how-to-retire-on-3000-a-week-with-the-property-couch/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/134-how-to-retire-on-3000-a-week-with-the-property-couch/#comments</comments>        <pubDate>Thu, 18 Sep 2025 22:17:03 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/39708809-bc79-365f-999f-db9a63483823</guid>
                                    <description><![CDATA[<p>In this episode of The Joyful Frugalista, Serina Bird is joined by Bryce Holdaway and Ben Kingsley — co-hosts of The Property Couch podcast and authors of How to Retire on $3,000 a Week. Together, they explore how everyday Australians can build long-term wealth through smart property investing.</p>
<p>Holdaway and Kingsley discuss the evolution of their investment philosophy, the importance of managing cash flow, and how to distinguish between good and bad debt. You’ll also hear practical strategies like the “seven day float,” and how offset accounts can offer financial flexibility and peace of mind in retirement.</p>
<p> </p>

<p>💡 Discussion topics</p>
<ul>
<li>Why cash flow is king in property investing</li>
<li>The difference between good debt and bad debt</li>
<li>How offset accounts can reduce interest and increase flexibility</li>
<li>Why housing security is essential for retirement</li>
<li>The power of the “seven day float” for managing spending</li>
<li>How to avoid becoming a forced seller in a downturn</li>
<li>Why property investing is a long-term game</li>
</ul>

<p>📌 Chapters:

07:30 – On Being a Podcaster
07:44 – Cash Flow Management
15:08 – Investment Property Costs
18:51 – Debt
21:31 – Accommodation in Retirement
25:38 – Offset Accounts
26:44 – Frugalista Tip</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>In this episode of <em>The Joyful Frugalista</em>, Serina Bird is joined by Bryce Holdaway and Ben Kingsley — co-hosts of <em>The Property Couch</em> podcast and authors of <em>How to Retire on $3,000 a Week</em>. Together, they explore how everyday Australians can build long-term wealth through smart property investing.</p>
<p>Holdaway and Kingsley discuss the evolution of their investment philosophy, the importance of managing cash flow, and how to distinguish between good and bad debt. You’ll also hear practical strategies like the “seven day float,” and how offset accounts can offer financial flexibility and peace of mind in retirement.</p>
<p> </p>

<p>💡 Discussion topics</p>
<ul>
<li>Why cash flow is king in property investing</li>
<li>The difference between good debt and bad debt</li>
<li>How offset accounts can reduce interest and increase flexibility</li>
<li>Why housing security is essential for retirement</li>
<li>The power of the “seven day float” for managing spending</li>
<li>How to avoid becoming a forced seller in a downturn</li>
<li>Why property investing is a long-term game</li>
</ul>

<p>📌 Chapters:<br>
<br>
07:30 – On Being a Podcaster<br>
07:44 – Cash Flow Management<br>
15:08 – Investment Property Costs<br>
18:51 – Debt<br>
21:31 – Accommodation in Retirement<br>
25:38 – Offset Accounts<br>
26:44 – Frugalista Tip</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/jz2pw29crcrkavtx/riverside_the_property_couch_magic_episode_aug_1_2025_the_joyful_frugalis9urav.mp4" length="531428656" type="video/mp4"/>
        <itunes:summary><![CDATA[In this episode of The Joyful Frugalista, Serina Bird is joined by Bryce Holdaway and Ben Kingsley — co-hosts of The Property Couch podcast and authors of How to Retire on $3,000 a Week. Together, they explore how everyday Australians can build long-term wealth through smart property investing.
Holdaway and Kingsley discuss the evolution of their investment philosophy, the importance of managing cash flow, and how to distinguish between good and bad debt. You’ll also hear practical strategies like the “seven day float,” and how offset accounts can offer financial flexibility and peace of mind in retirement.
 

💡 Discussion topics

Why cash flow is king in property investing
The difference between good debt and bad debt
How offset accounts can reduce interest and increase flexibility
Why housing security is essential for retirement
The power of the “seven day float” for managing spending
How to avoid becoming a forced seller in a downturn
Why property investing is a long-term game


📌 Chapters:07:30 – On Being a Podcaster07:44 – Cash Flow Management15:08 – Investment Property Costs18:51 – Debt21:31 – Accommodation in Retirement25:38 – Offset Accounts26:44 – Frugalista Tip]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1871</itunes:duration>
                <itunes:episode>140</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/TPC_with_the_new_book_iur9be.jpg" /><podcast:chapters url="https://mcdn.podbean.com/mf/web/ayqzmdsk8t2w5343/riverside_the_property_couch_magic_episode_aug_1_2025_the_joyful_frugalis9urav_chapters.json" type="application/json" />    </item>
    <item>
        <title>133: VIDEO Mel Browne talks about financial empowerment for women</title>
        <itunes:title>133: VIDEO Mel Browne talks about financial empowerment for women</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/133-video-mel-browne-talks-about-financial-empowerment-for-women/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/133-video-mel-browne-talks-about-financial-empowerment-for-women/#comments</comments>        <pubDate>Sun, 17 Aug 2025 14:45:56 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/163b5166-1769-3392-bf87-8ae5e75f9bda</guid>
                                    <description><![CDATA[<p>Join Serina Bird as she sits down with Mel Browne, author of <a href='https://www.amazon.com.au/Unf-Your-Finances-Melissa-Browne-ebook/dp/B076TZ9PHF'>Unf*ck Your Finances</a>, to explore the importance of financial empowerment for women. In this episode, they cover financial literacy, superannuation, investing, frugal living, and the ways menopause and ageism can shape women’s financial journeys. Mel shares her personal experiences, unpacks how traditional gender roles have influenced women’s financial independence, and offers practical strategies to build wealth at any stage of life.</p>
<p>Key Takeaways:</p>
<ul>
<li>
<p>Financial literacy is essential for women’s empowerment.</p>
</li>
<li>
<p>Traditional gender roles can limit women’s financial independence.</p>
</li>
<li>
<p>Superannuation is a vital but often overlooked part of women’s financial planning.</p>
</li>
<li>
<p>Investing is possible and rewarding at any age.</p>
</li>
<li>
<p>Menopause and ageism can significantly affect career opportunities and finances.</p>
</li>
<li>
<p>Frugal living can improve long-term financial health.</p>
</li>
<li>
<p>Women often outperform men as investors due to disciplined strategies.</p>
</li>
<li>
<p>Open conversations about money are key to financial confidence.</p>
</li>
</ul>
<p> </p>
<p>BONUS:  Mel has prepared a list of resources for The Joyful Frugalista listeners, which you can find at https://www.melissabrowne.com.au/joyfulfrugalista.</p>
<p> </p>
<p>Chapters</p>
<p>00:00 Introduction to Financial Empowerment for Women
02:22 Mel Browne's Journey and Passion for Financial Literacy
05:27 The financial implications of the trad wife movement
06:40 Superannuation
13:00 Investing: It's Never Too Late to Start
20:19 Menopause and Its Financial Impact on Women
25:23 Re-entering the Workforce: Ageism and Opportunities
26:46 Frugalista tip</p>
<p> </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Join Serina Bird as she sits down with Mel Browne, author of <a href='https://www.amazon.com.au/Unf-Your-Finances-Melissa-Browne-ebook/dp/B076TZ9PHF'>Unf*ck Your Finances</a>, to explore the importance of financial empowerment for women. In this episode, they cover financial literacy, superannuation, investing, frugal living, and the ways menopause and ageism can shape women’s financial journeys. Mel shares her personal experiences, unpacks how traditional gender roles have influenced women’s financial independence, and offers practical strategies to build wealth at any stage of life.</p>
<p>Key Takeaways:</p>
<ul>
<li>
<p>Financial literacy is essential for women’s empowerment.</p>
</li>
<li>
<p>Traditional gender roles can limit women’s financial independence.</p>
</li>
<li>
<p>Superannuation is a vital but often overlooked part of women’s financial planning.</p>
</li>
<li>
<p>Investing is possible and rewarding at any age.</p>
</li>
<li>
<p>Menopause and ageism can significantly affect career opportunities and finances.</p>
</li>
<li>
<p>Frugal living can improve long-term financial health.</p>
</li>
<li>
<p>Women often outperform men as investors due to disciplined strategies.</p>
</li>
<li>
<p>Open conversations about money are key to financial confidence.</p>
</li>
</ul>
<p> </p>
<p>BONUS:  Mel has prepared a list of resources for The Joyful Frugalista listeners, which you can find at https://www.melissabrowne.com.au/joyfulfrugalista.</p>
<p> </p>
<p>Chapters</p>
<p>00:00 Introduction to Financial Empowerment for Women<br>
02:22 Mel Browne's Journey and Passion for Financial Literacy<br>
05:27 The financial implications of the trad wife movement<br>
06:40 Superannuation<br>
13:00 Investing: It's Never Too Late to Start<br>
20:19 Menopause and Its Financial Impact on Women<br>
25:23 Re-entering the Workforce: Ageism and Opportunities<br>
26:46 Frugalista tip</p>
<p> </p>
]]></content:encoded>
                                    
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        <itunes:summary><![CDATA[Join Serina Bird as she sits down with Mel Browne, author of Unf*ck Your Finances, to explore the importance of financial empowerment for women. In this episode, they cover financial literacy, superannuation, investing, frugal living, and the ways menopause and ageism can shape women’s financial journeys. Mel shares her personal experiences, unpacks how traditional gender roles have influenced women’s financial independence, and offers practical strategies to build wealth at any stage of life.
Key Takeaways:


Financial literacy is essential for women’s empowerment.


Traditional gender roles can limit women’s financial independence.


Superannuation is a vital but often overlooked part of women’s financial planning.


Investing is possible and rewarding at any age.


Menopause and ageism can significantly affect career opportunities and finances.


Frugal living can improve long-term financial health.


Women often outperform men as investors due to disciplined strategies.


Open conversations about money are key to financial confidence.


 
BONUS:  Mel has prepared a list of resources for The Joyful Frugalista listeners, which you can find at https://www.melissabrowne.com.au/joyfulfrugalista.
 
Chapters
00:00 Introduction to Financial Empowerment for Women02:22 Mel Browne's Journey and Passion for Financial Literacy05:27 The financial implications of the trad wife movement06:40 Superannuation13:00 Investing: It's Never Too Late to Start20:19 Menopause and Its Financial Impact on Women25:23 Re-entering the Workforce: Ageism and Opportunities26:46 Frugalista tip
 ]]></itunes:summary>
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        <itunes:block>No</itunes:block>
        <itunes:duration>1920</itunes:duration>
                <itunes:episode>139</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Mel_Browne_thumbnail6w40n.png" /><podcast:chapters url="https://mcdn.podbean.com/mf/web/hatxtdju576zd8bt/riverside_melissa_browne_on_the_magic_episode_jul_10_the_joyful_frugalisapqam_chapters.json" type="application/json" />    </item>
    <item>
        <title>133: Mel Browne talks about financial empowerment for women</title>
        <itunes:title>133: Mel Browne talks about financial empowerment for women</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/132-mel-browne-talks-about/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/132-mel-browne-talks-about/#comments</comments>        <pubDate>Sat, 16 Aug 2025 12:31:25 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/fc5a0759-9fc8-3e83-9480-8432b97d0fbe</guid>
                                    <description><![CDATA[<p>Join Serina Bird as she sits down with Mel Browne, author of <a href='https://www.amazon.com.au/Unf-Your-Finances-Melissa-Browne-ebook/dp/B076TZ9PHF'>Unf*ck Your Finances</a>, to explore the importance of financial empowerment for women. In this episode, they cover financial literacy, superannuation, investing, frugal living, and the ways menopause and ageism can shape women’s financial journeys. Mel shares her personal experiences, unpacks how traditional gender roles have influenced women’s financial independence, and offers practical strategies to build wealth at any stage of life.</p>
<p>Key Takeaways:</p>
<ul>
<li>
<p>Financial literacy is essential for women’s empowerment.</p>
</li>
<li>
<p>Traditional gender roles can limit women’s financial independence.</p>
</li>
<li>
<p>Superannuation is a vital but often overlooked part of women’s financial planning.</p>
</li>
<li>
<p>Investing is possible and rewarding at any age.</p>
</li>
<li>
<p>Menopause and ageism can significantly affect career opportunities and finances.</p>
</li>
<li>
<p>Frugal living can improve long-term financial health.</p>
</li>
<li>
<p>Women often outperform men as investors due to disciplined strategies.</p>
</li>
<li>
<p>Open conversations about money are key to financial confidence.</p>
</li>
</ul>
<p> </p>
<p>BONUS:  Mel has prepared a list of resources for The Joyful Frugalista listeners, which you can find at https://www.melissabrowne.com.au/joyfulfrugalista.</p>
<p> </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Join Serina Bird as she sits down with Mel Browne, author of <a href='https://www.amazon.com.au/Unf-Your-Finances-Melissa-Browne-ebook/dp/B076TZ9PHF'>Unf*ck Your Finances</a>, to explore the importance of financial empowerment for women. In this episode, they cover financial literacy, superannuation, investing, frugal living, and the ways menopause and ageism can shape women’s financial journeys. Mel shares her personal experiences, unpacks how traditional gender roles have influenced women’s financial independence, and offers practical strategies to build wealth at any stage of life.</p>
<p>Key Takeaways:</p>
<ul>
<li>
<p>Financial literacy is essential for women’s empowerment.</p>
</li>
<li>
<p>Traditional gender roles can limit women’s financial independence.</p>
</li>
<li>
<p>Superannuation is a vital but often overlooked part of women’s financial planning.</p>
</li>
<li>
<p>Investing is possible and rewarding at any age.</p>
</li>
<li>
<p>Menopause and ageism can significantly affect career opportunities and finances.</p>
</li>
<li>
<p>Frugal living can improve long-term financial health.</p>
</li>
<li>
<p>Women often outperform men as investors due to disciplined strategies.</p>
</li>
<li>
<p>Open conversations about money are key to financial confidence.</p>
</li>
</ul>
<p> </p>
<p>BONUS:  Mel has prepared a list of resources for The Joyful Frugalista listeners, which you can find at https://www.melissabrowne.com.au/joyfulfrugalista.</p>
<p> </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/2jqg6476vc7e228m/riverside_melissa_browne_on_the_magic_episode_jul_10_the_joyful_frugalis9mpga.mp3" length="15362773" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Join Serina Bird as she sits down with Mel Browne, author of Unf*ck Your Finances, to explore the importance of financial empowerment for women. In this episode, they cover financial literacy, superannuation, investing, frugal living, and the ways menopause and ageism can shape women’s financial journeys. Mel shares her personal experiences, unpacks how traditional gender roles have influenced women’s financial independence, and offers practical strategies to build wealth at any stage of life.
Key Takeaways:


Financial literacy is essential for women’s empowerment.


Traditional gender roles can limit women’s financial independence.


Superannuation is a vital but often overlooked part of women’s financial planning.


Investing is possible and rewarding at any age.


Menopause and ageism can significantly affect career opportunities and finances.


Frugal living can improve long-term financial health.


Women often outperform men as investors due to disciplined strategies.


Open conversations about money are key to financial confidence.


 
BONUS:  Mel has prepared a list of resources for The Joyful Frugalista listeners, which you can find at https://www.melissabrowne.com.au/joyfulfrugalista.
 ]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1920</itunes:duration>
                <itunes:episode>136</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Mel_Browne_mp9ckf.jpg" /><podcast:chapters url="https://mcdn.podbean.com/mf/web/hgb96g7g6rhwps8a/riverside_melissa_browne_on_the_magic_episode_jul_10_the_joyful_frugalis9mpga_chapters.json" type="application/json" />    </item>
    <item>
        <title>132: VIDEO Grant Dooley talks about being a diplomat during bomb season in Jakarta</title>
        <itunes:title>132: VIDEO Grant Dooley talks about being a diplomat during bomb season in Jakarta</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/132-video-grant-dooley-talks-about-being-a-diplomat-during-bomb-season-in-jakarta/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/132-video-grant-dooley-talks-about-being-a-diplomat-during-bomb-season-in-jakarta/#comments</comments>        <pubDate>Mon, 11 Aug 2025 22:45:12 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/5561c95b-766a-3385-a5a3-8c066909758d</guid>
                                    <description><![CDATA[<p>In this episode, Serina is joined by her former boss, Grant Dooley, whose real-life memoir Bomb Season in Jakarta is more gripping than an action spy thriller. A former Australian diplomat with postings in Guangzhou, Shanghai, and Jakarta, Grant takes us inside the high-stakes world of mid-2000s Australia-Indonesian diplomacy – a turbulent era of bombings, political unrest, and personal resilience, all while navigating life on dual diplomatic postings with his wife and children.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>In this episode, Serina is joined by her former boss, Grant Dooley, whose real-life memoir <em>Bomb Season in Jakarta</em> is more gripping than an action spy thriller. A former Australian diplomat with postings in Guangzhou, Shanghai, and Jakarta, Grant takes us inside the high-stakes world of mid-2000s Australia-Indonesian diplomacy – a turbulent era of bombings, political unrest, and personal resilience, all while navigating life on dual diplomatic postings with his wife and children.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/msi477ceas2x6aaf/riverside_grant_dooley_-_bomb_season_in_jakarta_the_joyful_frugalis8nmrz.mp4" length="474918962" type="video/mp4"/>
        <itunes:summary><![CDATA[In this episode, Serina is joined by her former boss, Grant Dooley, whose real-life memoir Bomb Season in Jakarta is more gripping than an action spy thriller. A former Australian diplomat with postings in Guangzhou, Shanghai, and Jakarta, Grant takes us inside the high-stakes world of mid-2000s Australia-Indonesian diplomacy – a turbulent era of bombings, political unrest, and personal resilience, all while navigating life on dual diplomatic postings with his wife and children.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1687</itunes:duration>
                <itunes:episode>138</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Grant_Dooley7gqwf.jpg" /><podcast:chapters url="https://mcdn.podbean.com/mf/web/rrf4kgaxdb5hwsjx/riverside_grant_dooley_-_bomb_season_in_jakarta_the_joyful_frugalis8nmrz_chapters.json" type="application/json" />    </item>
    <item>
        <title>132: Grant Dooley talks about being a diplomat during bomb season in Jakarta</title>
        <itunes:title>132: Grant Dooley talks about being a diplomat during bomb season in Jakarta</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/132-grant-dooley-talks-about-being-a-diplomat-during-bomb-season-in-jakarta/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/132-grant-dooley-talks-about-being-a-diplomat-during-bomb-season-in-jakarta/#comments</comments>        <pubDate>Fri, 08 Aug 2025 23:28:33 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/a859dbd9-8fd6-3e08-86b4-d6e46f4605d6</guid>
                                    <description><![CDATA[<p>In this episode, Serina is joined by her former boss, Grant Dooley, whose real-life memoir Bomb Season in Jakarta is more gripping than any spy thriller. A former Australian diplomat with postings in Guangzhou, Shanghai, and Jakarta, Grant takes us inside the high-stakes world of mid-2000s Australia-Indonesian diplomacy – a turbulent era of bombings, political unrest, and personal resilience, all while navigating life on dual diplomatic postings with his wife and children.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>In this episode, Serina is joined by her former boss, Grant Dooley, whose real-life memoir <em>Bomb Season in Jakarta</em> is more gripping than any spy thriller. A former Australian diplomat with postings in Guangzhou, Shanghai, and Jakarta, Grant takes us inside the high-stakes world of mid-2000s Australia-Indonesian diplomacy – a turbulent era of bombings, political unrest, and personal resilience, all while navigating life on dual diplomatic postings with his wife and children.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/6fm2swy69bzyz455/riverside_grant_dooley_-_bomb_season_in_jakarta_the_joyful_frugalisarg62.mp3" length="13498189" type="audio/mpeg"/>
        <itunes:summary><![CDATA[In this episode, Serina is joined by her former boss, Grant Dooley, whose real-life memoir Bomb Season in Jakarta is more gripping than any spy thriller. A former Australian diplomat with postings in Guangzhou, Shanghai, and Jakarta, Grant takes us inside the high-stakes world of mid-2000s Australia-Indonesian diplomacy – a turbulent era of bombings, political unrest, and personal resilience, all while navigating life on dual diplomatic postings with his wife and children.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1687</itunes:duration>
                <itunes:episode>137</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Grant_Dooley6kcn9.jpg" /><podcast:chapters url="https://mcdn.podbean.com/mf/web/82k9catheq5jyf4u/riverside_grant_dooley_-_bomb_season_in_jakarta_the_joyful_frugalisarg62_chapters.json" type="application/json" />    </item>
    <item>
        <title>131: VIDEO Roxanne Calder talks about how to build wealth through earning power</title>
        <itunes:title>131: VIDEO Roxanne Calder talks about how to build wealth through earning power</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/episode-131-video-roxanne-calder-talks-about-how-to-build-wealth-through-earning-power/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/episode-131-video-roxanne-calder-talks-about-how-to-build-wealth-through-earning-power/#comments</comments>        <pubDate>Fri, 25 Jul 2025 22:19:34 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/46914be4-6f95-338b-b6b6-e8860528f19f</guid>
                                    <description><![CDATA[<p>Join Serina Bird as she welcomes back Roxanne Calder, Managing Director of EST10 and author of "Earning Power: Breaking Barriers and Building Wealth for Women." In this episode, they delve into the gender pay gap, the importance of self-advocacy, and practical steps women can take to boost their earnings. Roxanne shares insights from her new book, featuring stories from influential figures like Julia Ross and Philip Kearns.</p>
<p>Key Takeaways:</p>
<ul>
<li>The impact of the gender pay gap on women's lifetime earnings.</li>
<li>Strategies for women to enhance their earning potential.</li>
<li>The concept of the "glass cliff" and how to navigate it.</li>
<li>The importance of networking for social capital and self-promotion.</li>
</ul>
<p>Guest: Roxanne Calder - Managing Director of EST10 and author of "Earning Power."</p>
<p>#WomenEmpowerment #EarningPower #GenderPayGap #Podcast</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Join Serina Bird as she welcomes back Roxanne Calder, Managing Director of EST10 and author of "Earning Power: Breaking Barriers and Building Wealth for Women." In this episode, they delve into the gender pay gap, the importance of self-advocacy, and practical steps women can take to boost their earnings. Roxanne shares insights from her new book, featuring stories from influential figures like Julia Ross and Philip Kearns.</p>
<p>Key Takeaways:</p>
<ul>
<li>The impact of the gender pay gap on women's lifetime earnings.</li>
<li>Strategies for women to enhance their earning potential.</li>
<li>The concept of the "glass cliff" and how to navigate it.</li>
<li>The importance of networking for social capital and self-promotion.</li>
</ul>
<p>Guest: Roxanne Calder - Managing Director of EST10 and author of "Earning Power."</p>
<p>#WomenEmpowerment #EarningPower #GenderPayGap #Podcast</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/kbftas9ksv2a2s7e/riverside_podcast_with_roxanne_c_jul_3_2025_001_the_joyful_frugalis8r34o.mp4" length="449152496" type="video/mp4"/>
        <itunes:summary><![CDATA[Join Serina Bird as she welcomes back Roxanne Calder, Managing Director of EST10 and author of "Earning Power: Breaking Barriers and Building Wealth for Women." In this episode, they delve into the gender pay gap, the importance of self-advocacy, and practical steps women can take to boost their earnings. Roxanne shares insights from her new book, featuring stories from influential figures like Julia Ross and Philip Kearns.
Key Takeaways:

The impact of the gender pay gap on women's lifetime earnings.
Strategies for women to enhance their earning potential.
The concept of the "glass cliff" and how to navigate it.
The importance of networking for social capital and self-promotion.

Guest: Roxanne Calder - Managing Director of EST10 and author of "Earning Power."
#WomenEmpowerment #EarningPower #GenderPayGap #Podcast]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1578</itunes:duration>
                <itunes:episode>135</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Roxanne_Caldere7czb8.jpeg" /><podcast:chapters url="https://mcdn.podbean.com/mf/web/imaym4ukvba7nkd4/riverside_podcast_with_roxanne_c_jul_3_2025_001_the_joyful_frugalis8r34o_chapters.json" type="application/json" />    </item>
    <item>
        <title>131: Roxanne Calder talks about how to build wealth through earning power</title>
        <itunes:title>131: Roxanne Calder talks about how to build wealth through earning power</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/episode-131-roxanne-calder-talks-about-how-to-build-wealth-through-earning-power/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/episode-131-roxanne-calder-talks-about-how-to-build-wealth-through-earning-power/#comments</comments>        <pubDate>Wed, 23 Jul 2025 17:20:02 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/38c1f1de-62ef-3627-9d14-922e32ec862f</guid>
                                    <description><![CDATA[<p>Join Serina Bird as she welcomes back Roxanne Calder, Managing Director of EST10 and author of "Earning Power: Breaking Barriers and Building Wealth for Women." In this episode, they delve into the gender pay gap, the importance of self-advocacy, and practical steps women can take to boost their earnings. Roxanne shares insights from her new book, featuring stories from influential figures like Julia Ross and Philip Kearns.</p>
<p>Key Takeaways:</p>
<ul>
<li>The impact of the gender pay gap on women's lifetime earnings.</li>
<li>Strategies for women to enhance their earning potential.</li>
<li>The concept of the "glass cliff" and how to navigate it.</li>
<li>The importance of networking for social capital and self-promotion.</li>
</ul>
<p>Guest: Roxanne Calder - Managing Director of EST10 and author of "Earning Power."</p>
<p>#WomenEmpowerment #EarningPower #GenderPayGap #Podcast</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Join Serina Bird as she welcomes back Roxanne Calder, Managing Director of EST10 and author of "Earning Power: Breaking Barriers and Building Wealth for Women." In this episode, they delve into the gender pay gap, the importance of self-advocacy, and practical steps women can take to boost their earnings. Roxanne shares insights from her new book, featuring stories from influential figures like Julia Ross and Philip Kearns.</p>
<p>Key Takeaways:</p>
<ul>
<li>The impact of the gender pay gap on women's lifetime earnings.</li>
<li>Strategies for women to enhance their earning potential.</li>
<li>The concept of the "glass cliff" and how to navigate it.</li>
<li>The importance of networking for social capital and self-promotion.</li>
</ul>
<p>Guest: Roxanne Calder - Managing Director of EST10 and author of "Earning Power."</p>
<p>#WomenEmpowerment #EarningPower #GenderPayGap #Podcast</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/fv28pxhgedqdx2hd/riverside_podcast_with_roxanne_c_jul_3_2025_001_the_joyful_frugalisbtlx5.mp3" length="12625866" type="audio/mpeg"/>
        <itunes:summary>Roxanne Calder, author of Earning Power: Breaking Barriers and Building Wealth for Women, shares strategies for earning more from your work.</itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1578</itunes:duration>
                <itunes:episode>134</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Roxanne_Caldere7czb8.jpeg" /><podcast:chapters url="https://mcdn.podbean.com/mf/web/6p58hpt6ht7zvpwn/riverside_podcast_with_roxanne_c_jul_3_2025_001_the_joyful_frugalisbtlx5_chapters.json" type="application/json" />    </item>
    <item>
        <title>130: Aussie Firebug on giving up the F.I.R.E. obsession</title>
        <itunes:title>130: Aussie Firebug on giving up the F.I.R.E. obsession</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/episode-130-aussie-firebug-on-being-no-longer-obsessive-about-fire/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/episode-130-aussie-firebug-on-being-no-longer-obsessive-about-fire/#comments</comments>        <pubDate>Fri, 11 Jul 2025 13:08:31 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/90348ff4-9c81-31e0-8e0f-dff272e354a8</guid>
                                    <description><![CDATA[<p>This year marks 10 years of podcasting for Aussie Firebug, one of Australia’s original voices in the Financial Independence, Retire Early (FIRE) movement. From his early days tracking every cent to, working in the UK and (almost) reaching his FIRE goal, returning home to regional Victoria, and moving beyond retirement into new ventures, Aussie Firebug’s journey has evolved. Podcast host Serina Bird catches up with him in his hometown, explores his coworking space, and discovers why he’s no longer “obsessed” with the pursuit of financial independence—and what matters to him now.</p>

<p>00:00 Introduction and Background
03:10 The Journey of Aussie Firebug
06:56 Financial Independence and Life Changes
14:40 New Family Dynamics and Challenges
19:55 The Importance of Financial Security
24:52 Community and Family Support
30:07 Frugal Tips and Solar Energy Benefits
</p>
<p> </p>
<p> </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This year marks 10 years of podcasting for Aussie Firebug, one of Australia’s original voices in the Financial Independence, Retire Early (FIRE) movement. From his early days tracking every cent to, working in the UK and (almost) reaching his FIRE goal, returning home to regional Victoria, and moving beyond retirement into new ventures, Aussie Firebug’s journey has evolved. Podcast host Serina Bird catches up with him in his hometown, explores his coworking space, and discovers why he’s no longer “obsessed” with the pursuit of financial independence—and what matters to him now.</p>

<p>00:00 Introduction and Background<br>
03:10 The Journey of Aussie Firebug<br>
06:56 Financial Independence and Life Changes<br>
14:40 New Family Dynamics and Challenges<br>
19:55 The Importance of Financial Security<br>
24:52 Community and Family Support<br>
30:07 Frugal Tips and Solar Energy Benefits<br>
</p>
<p> </p>
<p> </p>
]]></content:encoded>
                                    
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        <itunes:summary>Australian Financial Independence Retire Early podcaster and blogger Aussie Firebug shares his journey and talks about his family.</itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1610</itunes:duration>
                <itunes:episode>130</itunes:episode>
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        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Aussie_Firebug6sikr.jpeg" /><podcast:chapters url="https://mcdn.podbean.com/mf/web/5imju28d3p8pc5x3/The_Joyful_Frugalista_-_Aussie_Firebug_edited_7lipy_chapters.json" type="application/json" />    </item>
    <item>
        <title>130: VIDEO - Aussie Firebug shares why he is no longer obsessive about F.I.R.E.</title>
        <itunes:title>130: VIDEO - Aussie Firebug shares why he is no longer obsessive about F.I.R.E.</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/episode-130-video-aussie-firebug-shares-why-he-is-no-longer-obsessive-about-fire/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/episode-130-video-aussie-firebug-shares-why-he-is-no-longer-obsessive-about-fire/#comments</comments>        <pubDate>Thu, 10 Jul 2025 21:58:49 +1100</pubDate>
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                                    <description><![CDATA[<p>This year, Aussie Firebug celebrates a decade of podcasting about his Financial Independence Retire Early (FIRE) journey. Podcast host Serina Bird visits Aussie Firebug at his hometown in regional Victoria, tours his coworking space and finds out why it is no longer 'obsessive' about his journey towards F.I.R.E.. </p>

<p>00:00 Introduction and Background
03:10 The Journey of Aussie Firebug
06:56 Financial Independence and Life Changes
14:40 New Family Dynamics and Challenges
19:55 The Importance of Financial Security
24:52 Community and Family Support
30:07 Frugal Tips and Solar Energy Benefits
</p>
<p> </p>
<p> </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>This year, Aussie Firebug celebrates a decade of podcasting about his Financial Independence Retire Early (FIRE) journey. Podcast host Serina Bird visits Aussie Firebug at his hometown in regional Victoria, tours his coworking space and finds out why it is no longer 'obsessive' about his journey towards F.I.R.E.. </p>

<p>00:00 Introduction and Background<br>
03:10 The Journey of Aussie Firebug<br>
06:56 Financial Independence and Life Changes<br>
14:40 New Family Dynamics and Challenges<br>
19:55 The Importance of Financial Security<br>
24:52 Community and Family Support<br>
30:07 Frugal Tips and Solar Energy Benefits<br>
</p>
<p> </p>
<p> </p>
]]></content:encoded>
                                    
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        <itunes:summary><![CDATA[This year, Aussie Firebug celebrates a decade of podcasting about his Financial Independence Retire Early (FIRE) journey. Podcast host Serina Bird visits Aussie Firebug at his hometown in regional Victoria, tours his coworking space and finds out why it is no longer 'obsessive' about his journey towards F.I.R.E.. 

00:00 Introduction and Background03:10 The Journey of Aussie Firebug06:56 Financial Independence and Life Changes14:40 New Family Dynamics and Challenges19:55 The Importance of Financial Security24:52 Community and Family Support30:07 Frugal Tips and Solar Energy Benefits
 
 
]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1601</itunes:duration>
                <itunes:episode>133</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Aussie_Firebug87217.jpeg" />    </item>
    <item>
        <title>129: VIDEO Todd Polke talks about developing a millionaire mindset</title>
        <itunes:title>129: VIDEO Todd Polke talks about developing a millionaire mindset</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/129-video-todd-polke-talks-about-developing-a-millionaire-mindset/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/129-video-todd-polke-talks-about-developing-a-millionaire-mindset/#comments</comments>        <pubDate>Tue, 01 Jul 2025 17:43:38 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/8b4f3aee-523f-3729-9c8f-431e3c071773</guid>
                                    <description><![CDATA[<p>Todd Polke is a seasoned investor, entrepreneur, and global wealth educator with over two decades of experience. He has guided thousands of investors in building high-performing portfolios and played a key role in facilitating more than $1.5 billion in investment opportunities worldwide. Todd is the founder of Portfolio Wealth, a regular commentator on Sky News and Your Money, and the author of Escape the Middle: Switch on Your Millionaire Mindset and Build Wealth that Outlives You. His mission is to empower people to think bigger, invest smarter, and create lasting financial freedom.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Todd Polke is a seasoned investor, entrepreneur, and global wealth educator with over two decades of experience. He has guided thousands of investors in building high-performing portfolios and played a key role in facilitating more than $1.5 billion in investment opportunities worldwide. Todd is the founder of Portfolio Wealth, a regular commentator on Sky News and Your Money, and the author of <em>Escape the Middle: Switch on Your Millionaire Mindset and Build Wealth that Outlives You</em>. His mission is to empower people to think bigger, invest smarter, and create lasting financial freedom.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/nvzzmaqj3tytqx8c/riverside_todd_polke_guest_on_th_magic_episode_may_27_the_joyful_frugalis9vjbq.mp4" length="617759067" type="video/mp4"/>
        <itunes:summary><![CDATA[Todd Polke is a seasoned investor, entrepreneur, and global wealth educator with over two decades of experience. He has guided thousands of investors in building high-performing portfolios and played a key role in facilitating more than $1.5 billion in investment opportunities worldwide. Todd is the founder of Portfolio Wealth, a regular commentator on Sky News and Your Money, and the author of Escape the Middle: Switch on Your Millionaire Mindset and Build Wealth that Outlives You. His mission is to empower people to think bigger, invest smarter, and create lasting financial freedom.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2162</itunes:duration>
                <itunes:episode>132</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Tim_Polke_image_editedb8uru.jpg" />    </item>
    <item>
        <title>129: Todd Polke talks about developing a millionaire mindset</title>
        <itunes:title>129: Todd Polke talks about developing a millionaire mindset</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/129-todd-polke-talks-about-developing-a-millionaire-mindset/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/129-todd-polke-talks-about-developing-a-millionaire-mindset/#comments</comments>        <pubDate>Sat, 28 Jun 2025 20:33:41 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/cc463529-e8bd-3254-9c68-9c3b453bc05a</guid>
                                    <description><![CDATA[<p>Todd Polke is a seasoned investor, entrepreneur, and global wealth educator with over two decades of experience. He has guided thousands of investors in building high-performing portfolios and has played a key role in facilitating more than $1.5 billion in investment opportunities worldwide. Todd is the founder of Portfolio Wealth, a regular commentator on Sky News and Your Money, and the author of Escape the Middle: Switch on Your Millionaire Mindset and Build Wealth that Outlives You. His mission is to empower people to think bigger, invest smarter, and create lasting financial freedom.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Todd Polke is a seasoned investor, entrepreneur, and global wealth educator with over two decades of experience. He has guided thousands of investors in building high-performing portfolios and has played a key role in facilitating more than $1.5 billion in investment opportunities worldwide. Todd is the founder of Portfolio Wealth, a regular commentator on Sky News and Your Money, and the author of <em>Escape the Middle: Switch on Your Millionaire Mindset and Build Wealth that Outlives You</em>. His mission is to empower people to think bigger, invest smarter, and create lasting financial freedom.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/7f5u3hakym9ahwxb/The_Joyful_Frugalista_-_Tim_Polke_edited_76zw0.mp3" length="26092590" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Todd Polke is a seasoned investor, entrepreneur, and global wealth educator with over two decades of experience. He has guided thousands of investors in building high-performing portfolios and has played a key role in facilitating more than $1.5 billion in investment opportunities worldwide. Todd is the founder of Portfolio Wealth, a regular commentator on Sky News and Your Money, and the author of Escape the Middle: Switch on Your Millionaire Mindset and Build Wealth that Outlives You. His mission is to empower people to think bigger, invest smarter, and create lasting financial freedom.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2174</itunes:duration>
                <itunes:episode>131</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Tim_Polke_image_editedancdj.jpg" />    </item>
    <item>
        <title>127: VIDEO Emma Lagerlow shares how to find purpose and manifest abundance - and a new iPhone</title>
        <itunes:title>127: VIDEO Emma Lagerlow shares how to find purpose and manifest abundance - and a new iPhone</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/127-video-emma-lagerlow-shares-how-to-find-purpose-and-manifest-abundance-and-a-new-iphone/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/127-video-emma-lagerlow-shares-how-to-find-purpose-and-manifest-abundance-and-a-new-iphone/#comments</comments>        <pubDate>Wed, 18 Jun 2025 14:45:35 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/814a5308-5668-3357-9087-908ce79bd6b0</guid>
                                    <description><![CDATA[<p>How important is purpose and mindset to achieving abundance? And what is abundance anyway? Emma Lagerlow is a wealth and mindset coach and author of Worthy &amp; Wealthy: Discovering Abundance and Fulfilment Beyond Money. She has some great insights on how to reorient one's life to live an intentional life, as well as a valuable frugalista tip that involves an iPhone.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>How important is purpose and mindset to achieving abundance? And what is abundance anyway? Emma Lagerlow is a wealth and mindset coach and author of Worthy &amp; Wealthy: Discovering Abundance and Fulfilment Beyond Money. She has some great insights on how to reorient one's life to live an intentional life, as well as a valuable frugalista tip that involves an iPhone.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/an4ks37qyny8b4q5/Emma_L94u2l.mp4" length="221348104" type="video/mp4"/>
        <itunes:summary><![CDATA[How important is purpose and mindset to achieving abundance? And what is abundance anyway? Emma Lagerlow is a wealth and mindset coach and author of Worthy &amp; Wealthy: Discovering Abundance and Fulfilment Beyond Money. She has some great insights on how to reorient one's life to live an intentional life, as well as a valuable frugalista tip that involves an iPhone.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>757</itunes:duration>
                <itunes:episode>130</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Emma_square_5j2b6p.jpg" />    </item>
    <item>
        <title>128: Helen Baker talks about how women can rebuild their lives</title>
        <itunes:title>128: Helen Baker talks about how women can rebuild their lives</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/128-helen-baker-talks-about-how-women-can-rebuild-their-lives/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/128-helen-baker-talks-about-how-women-can-rebuild-their-lives/#comments</comments>        <pubDate>Tue, 10 Jun 2025 13:55:42 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/45587dec-b8fc-3f98-97db-5b5bcf4fe9c5</guid>
                                    <description><![CDATA[<p>Our lives don't always go as planned, and often we need to rebuild. How should people, especially women, do this? In this podcast, licensed financial adviser and author Helen Baker shares tips from her latest book, money for life: how to build financial security from firm foundations, including why owning a home is important for women.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Our lives don't always go as planned, and often we need to rebuild. How should people, especially women, do this? In this podcast, licensed financial adviser and author Helen Baker shares tips from her latest book, <em>money for life: how to build financial security from firm foundations,</em> including why owning a home is important for women.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/buxkkfhpdhgd8bzq/The_Joyful_Frugalista_-_Helen_Baker_edited_67phf.mp3" length="21960750" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Our lives don't always go as planned, and often we need to rebuild. How should people, especially women, do this? In this podcast, licensed financial adviser and author Helen Baker shares tips from her latest book, money for life: how to build financial security from firm foundations, including why owning a home is important for women.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1830</itunes:duration>
                <itunes:episode>129</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/OYO2F-FOR-WEB-Helen-Baker-leaning-on-pink-wall_aep2ip.jpg" />    </item>
    <item>
        <title>127: Emma Lagerlow shares how to find purpose and manifest abundance - and a new iPhone</title>
        <itunes:title>127: Emma Lagerlow shares how to find purpose and manifest abundance - and a new iPhone</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/127-emma-lagerlow-shares-how-to-find-purpose-and-manifest-abundance-and-a-new-iphone/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/127-emma-lagerlow-shares-how-to-find-purpose-and-manifest-abundance-and-a-new-iphone/#comments</comments>        <pubDate>Mon, 02 Jun 2025 22:45:37 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/85cb9710-348b-3cd5-a773-d83ff6ef421a</guid>
                                    <description><![CDATA[<p>How important is purpose and mindset to achieving abundance? And what is abundance anyway? Emma Lagerlow is a wealth and mindset coach and author of Worthy &amp; Wealthy: Discovering Abundance and Fulfilment Beyond Money. She has some great insights about how to reorient to live an intentional life, and a great frugalista tip that involves an iPhone.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>How important is purpose and mindset to achieving abundance? And what <em>is</em> abundance anyway? Emma Lagerlow is a wealth and mindset coach and author of Worthy &amp; Wealthy: Discovering Abundance and Fulfilment Beyond Money. She has some great insights about how to reorient to live an intentional life, and a great frugalista tip that involves an iPhone.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/zruwqfvjivxvzxkv/The_Joyful_Frugalista_-_Emma_Lagerlow_edited_776vi.mp3" length="26384952" type="audio/mpeg"/>
        <itunes:summary><![CDATA[How important is purpose and mindset to achieving abundance? And what is abundance anyway? Emma Lagerlow is a wealth and mindset coach and author of Worthy &amp; Wealthy: Discovering Abundance and Fulfilment Beyond Money. She has some great insights about how to reorient to live an intentional life, and a great frugalista tip that involves an iPhone.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1649</itunes:duration>
                <itunes:episode>128</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Emma_square_5j2b6p.jpg" />    </item>
    <item>
        <title>126: Monash University Dr Ananya Bhattacharya discusses how to reduce food waste</title>
        <itunes:title>126: Monash University Dr Ananya Bhattacharya discusses how to reduce food waste</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/126-monash-university-dr-ananya-bhattacharya-discusses-how-to-reduce-food-waste/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/126-monash-university-dr-ananya-bhattacharya-discusses-how-to-reduce-food-waste/#comments</comments>        <pubDate>Wed, 30 Apr 2025 14:34:07 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/d8c676a0-0bc9-34a7-8755-28934bb38347</guid>
                                    <description><![CDATA[<p>If you are passionate about reducing food waste then this is a podcast for you. Dr Ananya Bhattacharya is a senior lecturer at Monash Business School and passionate researcher about food supply chain/food waste. She published multiple academic articles on food supply chain/food waste on causes and consequences of food waste and how food waste happens in different downstream stages or at the interfaces. In this podcast we talk about reducing food waste - especially in the food industry.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>If you are passionate about reducing food waste then this is a podcast for you. Dr Ananya Bhattacharya is a senior lecturer at Monash Business School and passionate researcher about food supply chain/food waste. She published multiple academic articles on food supply chain/food waste on causes and consequences of food waste and how food waste happens in different downstream stages or at the interfaces. In this podcast we talk about reducing food waste - especially in the food industry.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/23zqgb4ish4545py/The_Joyful_Frugalista_-_Monash_University_V2_7x9d1.mp3" length="32096783" type="audio/mpeg"/>
        <itunes:summary><![CDATA[If you are passionate about reducing food waste then this is a podcast for you. Dr Ananya Bhattacharya is a senior lecturer at Monash Business School and passionate researcher about food supply chain/food waste. She published multiple academic articles on food supply chain/food waste on causes and consequences of food waste and how food waste happens in different downstream stages or at the interfaces. In this podcast we talk about reducing food waste - especially in the food industry.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2006</itunes:duration>
                <itunes:episode>127</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Ananya_Bhattacharya6i64y.jpg" />    </item>
    <item>
        <title>125: Photographer Scott Leggo talks about the value of frugal habits in life and business</title>
        <itunes:title>125: Photographer Scott Leggo talks about the value of frugal habits in life and business</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/125-photographer-scott-leggo-talks-about-the-value-of-frugal-habits-in-life-and-business/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/125-photographer-scott-leggo-talks-about-the-value-of-frugal-habits-in-life-and-business/#comments</comments>        <pubDate>Sun, 06 Apr 2025 10:24:09 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/b8e6c78a-c3a4-307a-a53e-8e2284da37cf</guid>
                                    <description><![CDATA[<p>Many people love to take photos, but not everyone can make a career out of it. In this episode, <a href='https://www.scottleggo.com/'>Scott Leggo</a> - former diplomat and RAAF veteran and now an award-winning photographer - shares his insights on how good savings practices have set him up in business and in life.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Many people love to take photos, but not everyone can make a career out of it. In this episode, <a href='https://www.scottleggo.com/'>Scott Leggo</a> - former diplomat and RAAF veteran and now an award-winning photographer - shares his insights on how good savings practices have set him up in business and in life.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/68rpy7ja2mzrawms/The_Joyful_Frugalista_-_Scott_Leggo_edited_b0dkn.mp3" length="25376835" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Many people love to take photos, but not everyone can make a career out of it. In this episode, Scott Leggo - former diplomat and RAAF veteran and now an award-winning photographer - shares his insights on how good savings practices have set him up in business and in life.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1586</itunes:duration>
                <itunes:episode>126</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/SCOTT_LEGGO_-_8105988bsja4.jpg" />    </item>
    <item>
        <title>124: Kate Toon talks about making money from selling to many</title>
        <itunes:title>124: Kate Toon talks about making money from selling to many</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/124-kate-toon-talks-about-making-money-from-selling-to-many/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/124-kate-toon-talks-about-making-money-from-selling-to-many/#comments</comments>        <pubDate>Thu, 20 Feb 2025 16:29:33 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/dd172c63-df42-3d9e-935b-a766956e7091</guid>
                                    <description><![CDATA[<p>Kate Toon is an award-winning business mentor and digital marketing coach. Her Stay Tooned group of companies include the Digital Marketing Collective, The Clever Copywriting School, and The Recipe for SEO Success. In this podcast, she shares insights from her latest book: Six Figure$ While You Sleep: how to turn your services and skills into high-profit, low-effort digital products.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Kate Toon is an award-winning business mentor and digital marketing coach. Her Stay Tooned group of companies include the Digital Marketing Collective, The Clever Copywriting School, and The Recipe for SEO Success. In this podcast, she shares insights from her latest book: Six Figure$ While You Sleep: how to turn your services and skills into high-profit, low-effort digital products.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/rvzip3bxqa8junp9/The_Joyful_Frugalista_-_Kate_Toon_2_edited_bjder.mp3" length="25177387" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Kate Toon is an award-winning business mentor and digital marketing coach. Her Stay Tooned group of companies include the Digital Marketing Collective, The Clever Copywriting School, and The Recipe for SEO Success. In this podcast, she shares insights from her latest book: Six Figure$ While You Sleep: how to turn your services and skills into high-profit, low-effort digital products.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2098</itunes:duration>
                <itunes:episode>125</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Kate_toon-dress.png" />    </item>
    <item>
        <title>123: Spring Bird talks about how she saves money at Christmas</title>
        <itunes:title>123: Spring Bird talks about how she saves money at Christmas</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/123-spring-bird-talks-about-how-she-saves-money-at-christmas/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/123-spring-bird-talks-about-how-she-saves-money-at-christmas/#comments</comments>        <pubDate>Thu, 19 Dec 2024 20:59:56 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/06d3e328-4cbe-3120-af9e-b58f1da6d9fd</guid>
                                    <description><![CDATA[<p>Saving money runs in the family, and in this episode Serina talks with her sister - Spring Bird - about clothes swapping and saving money at Christmas.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Saving money runs in the family, and in this episode Serina talks with her sister - Spring Bird - about clothes swapping and saving money at Christmas.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/9utks7khxuncbwu5/Spring_Bird_edited8i7p0.mp3" length="20757943" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Saving money runs in the family, and in this episode Serina talks with her sister - Spring Bird - about clothes swapping and saving money at Christmas.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1529</itunes:duration>
                <itunes:episode>124</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/4b828e40-d750-4ddb-a1eb-1e116ce0780a_szmfsf.jpg" />    </item>
    <item>
        <title>122: OX Rooms founder Matthew Carmody talks about conveyancing traps to be aware of</title>
        <itunes:title>122: OX Rooms founder Matthew Carmody talks about conveyancing traps to be aware of</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/122-ox-rooms-founder-matthew-carmody-talks-about-conveyancing-traps-to-be-aware-of/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/122-ox-rooms-founder-matthew-carmody-talks-about-conveyancing-traps-to-be-aware-of/#comments</comments>        <pubDate>Tue, 19 Nov 2024 22:13:28 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/c687a599-dc92-3f1d-b5be-ae187ac475cb</guid>
                                    <description><![CDATA[<p>You've bought a property. Now what? In this podcast, OX Rooms (Online Exchange) cofounder Matthew Carmody talks about some common pitfalls in buying and selling property, and how to avoid them. Matthew is a former commercial and residential real estate lawyer and three-time winner of the REIACT Awards for Excellence – Solicitor of the Year award. Passionate about property and conveyancing, he and his wife Em cofounded OX Rooms to bring innovation to the conveyancing process and provide greater transparency.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>You've bought a property. Now what? In this podcast, OX Rooms (Online Exchange) cofounder Matthew Carmody talks about some common pitfalls in buying and selling property, and how to avoid them. Matthew is a former commercial and residential real estate lawyer and three-time winner of the REIACT Awards for Excellence – Solicitor of the Year award. Passionate about property and conveyancing, he and his wife Em cofounded OX Rooms to bring innovation to the conveyancing process and provide greater transparency.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/ggtsz9akrgnaxfdg/The_Joyful_Frugalista_-_Matthew_OX_Rooms_edited_abm6g.mp3" length="29584848" type="audio/mpeg"/>
        <itunes:summary><![CDATA[You've bought a property. Now what? In this podcast, OX Rooms (Online Exchange) cofounder Matthew Carmody talks about some common pitfalls in buying and selling property, and how to avoid them. Matthew is a former commercial and residential real estate lawyer and three-time winner of the REIACT Awards for Excellence – Solicitor of the Year award. Passionate about property and conveyancing, he and his wife Em cofounded OX Rooms to bring innovation to the conveyancing process and provide greater transparency.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1849</itunes:duration>
                <itunes:episode>123</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Matt_Headshot9jk0d.png" />    </item>
    <item>
        <title>121: Ben Nash shares strategies for becoming a virgin millionaire</title>
        <itunes:title>121: Ben Nash shares strategies for becoming a virgin millionaire</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/121-ben-nash-shares-strategies-for-becoming-a-virgin-millionaire/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/121-ben-nash-shares-strategies-for-becoming-a-virgin-millionaire/#comments</comments>        <pubDate>Fri, 15 Nov 2024 16:52:41 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/b3dc36cb-4eed-3466-b85f-5593fd0acfba</guid>
                                    <description><![CDATA[<p>In this episode, author and founder of Pivot Wealth Ben Nash shares his strategies for getting to a million dollars - and beyond. Ben has been listed as part of Australia’s most influential Financial Advisers for seven consecutive years, and awarded by the Independent Financial Adviser as Australia’s Best Client Servicing Financial Adviser. He is author of Replace Your Salary by Investing, Unstuck, and his latest book – Virgin Millionaire: The Step-by-Step Guide to Your First Million and Beyond.  </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>In this episode, author and founder of Pivot Wealth Ben Nash shares his strategies for getting to a million dollars - and beyond. Ben has been listed as part of Australia’s most influential Financial Advisers for seven consecutive years, and awarded by the Independent Financial Adviser as Australia’s Best Client Servicing Financial Adviser. He is author of Replace Your Salary by Investing, Unstuck, and his latest book – Virgin Millionaire: The Step-by-Step Guide to Your First Million and Beyond.  </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/kxxtmb9gcz5urxnp/Ben_Nash7p6wl.mp3" length="83034240" type="audio/mpeg"/>
        <itunes:summary><![CDATA[In this episode, author and founder of Pivot Wealth Ben Nash shares his strategies for getting to a million dollars - and beyond. Ben has been listed as part of Australia’s most influential Financial Advisers for seven consecutive years, and awarded by the Independent Financial Adviser as Australia’s Best Client Servicing Financial Adviser. He is author of Replace Your Salary by Investing, Unstuck, and his latest book – Virgin Millionaire: The Step-by-Step Guide to Your First Million and Beyond.  ]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2075</itunes:duration>
                <itunes:episode>122</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Ben_Nash8p82v.jpeg" />    </item>
    <item>
        <title>120: James Millard</title>
        <itunes:title>120: James Millard</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/120-james-millard/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/120-james-millard/#comments</comments>        <pubDate>Wed, 06 Nov 2024 11:10:49 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/fdcff204-eb35-3ae6-9299-bfc8eed735c0</guid>
                                    <description><![CDATA[<p>James Millard is Director of financial advice and mortgage broking firm Sufficient Funds, and author of Insufficient Funds: Make the Right Money Decisions to Bring Your Big Plans to Life. In this podcast, he talks about how to focus on what's important when building wealth.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>James Millard is Director of financial advice and mortgage broking firm Sufficient Funds, and author of <em>Insufficient Funds: Make the Right Money Decisions to Bring Your Big Plans to Life</em>. In this podcast, he talks about how to focus on what's important when building wealth.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/i6tth554tqxhva93/The_Joyful_Frugalista_-_James_Millard_edited_75ol7.mp3" length="32080900" type="audio/mpeg"/>
        <itunes:summary><![CDATA[James Millard is Director of financial advice and mortgage broking firm Sufficient Funds, and author of Insufficient Funds: Make the Right Money Decisions to Bring Your Big Plans to Life. In this podcast, he talks about how to focus on what's important when building wealth.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2005</itunes:duration>
                <itunes:episode>121</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/James_Millward7jme8.jpg" />    </item>
    <item>
        <title>119: Brenda James shares frugal travel hacks</title>
        <itunes:title>119: Brenda James shares frugal travel hacks</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/119-brenda-james-shares-frugal-travel-hacks/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/119-brenda-james-shares-frugal-travel-hacks/#comments</comments>        <pubDate>Tue, 29 Oct 2024 21:12:41 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/751b9876-57e6-3e89-a8ea-67124c8cca8f</guid>
                                    <description><![CDATA[<p>Does your idea of financial independence also involve lots of travel? Brenda James, founder of <a href='https://www.facebook.com/FIRESPARKRetreat'>FIRESPark Retreat</a> and <a href='https://www.facebook.com/travelhasmyheart/'>Travel Has My Heart Travel Planning</a>, loves travelling and has visited 100 countries over 25 years of travelling. She's got some good ways to save money, including maximising frequent flyer points, creating good itineraries and looking for the best value for money. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Does your idea of financial independence also involve lots of travel? Brenda James, founder of <a href='https://www.facebook.com/FIRESPARKRetreat'>FIRESPark Retreat</a> and <a href='https://www.facebook.com/travelhasmyheart/'>Travel Has My Heart Travel Planning</a>, loves travelling and has visited 100 countries over 25 years of travelling. She's got some good ways to save money, including maximising frequent flyer points, creating good itineraries and looking for the best value for money. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/b7itjhnztc6bsdwz/Brenda.mp3" length="31083232" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Does your idea of financial independence also involve lots of travel? Brenda James, founder of FIRESPark Retreat and Travel Has My Heart Travel Planning, loves travelling and has visited 100 countries over 25 years of travelling. She's got some good ways to save money, including maximising frequent flyer points, creating good itineraries and looking for the best value for money. ]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1942</itunes:duration>
                <itunes:episode>120</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Headshot_jkvwp8.jpg" />    </item>
    <item>
        <title>118: Téa Angelos shares how smart women invest for their future</title>
        <itunes:title>118: Téa Angelos shares how smart women invest for their future</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/118-tea-angelos-shares-how-smart-women-invest-for-their-future/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/118-tea-angelos-shares-how-smart-women-invest-for-their-future/#comments</comments>        <pubDate>Fri, 18 Oct 2024 19:59:10 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/b6c06d90-b1ba-3f0b-8b79-925f6eee6d5a</guid>
                                    <description><![CDATA[<p>Téa Angelos, founder and CEO of the Smart Women Society, discusses how women can get smarter about their finances. Téa has helped more than half a million women get smarter about their finances, careers, well-being, and relationships. Téa is the author of Smart Moves: Simple Ways to Take Control of Your Life.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Téa Angelos, founder and CEO of the Smart Women Society, discusses how women can get smarter about their finances. Téa has helped more than half a million women get smarter about their finances, careers, well-being, and relationships. Téa is the author of <em>Smart Moves: Simple Ways to Take Control of Your Life</em>.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/h5qvyqjhzx9k6cjx/The_Joyful_Frugalista_-_Tea_Angelos_revised_b4t8v.mp3" length="22872005" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Téa Angelos, founder and CEO of the Smart Women Society, discusses how women can get smarter about their finances. Téa has helped more than half a million women get smarter about their finances, careers, well-being, and relationships. Téa is the author of Smart Moves: Simple Ways to Take Control of Your Life.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1429</itunes:duration>
                <itunes:episode>119</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Tea_Angelos_headshot_hgp6da.jpg" />    </item>
    <item>
        <title>117: Serina and hubby talk about cruising on the cheap</title>
        <itunes:title>117: Serina and hubby talk about cruising on the cheap</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/117-serina-and-hubby-talk-about-cruising-on-the-cheap/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/117-serina-and-hubby-talk-about-cruising-on-the-cheap/#comments</comments>        <pubDate>Sat, 17 Aug 2024 23:24:18 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/c0a031de-ab03-3f99-adec-76bbb69371ff</guid>
                                    <description><![CDATA[<p>Are you dreaming of a holiday? Serina and her husband Neil talk about how they save money on cruising holidays.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Are you dreaming of a holiday? Serina and her husband Neil talk about how they save money on cruising holidays.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/4q6nh5mqzqv77fgt/Cruise_podcast_1_9g2kp.mp3" length="62993643" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Are you dreaming of a holiday? Serina and her husband Neil talk about how they save money on cruising holidays.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2454</itunes:duration>
                <itunes:episode>118</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/IMG_1049_-_small8ts08.jpg" />    </item>
    <item>
        <title>116: How to buy right when investing in property</title>
        <itunes:title>116: How to buy right when investing in property</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/116-how-to-buy-right-when-investing-in-property/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/116-how-to-buy-right-when-investing-in-property/#comments</comments>        <pubDate>Sun, 28 Jul 2024 14:02:47 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/7538b26e-70f5-325c-9da6-70718a6eca60</guid>
                                    <description><![CDATA[<p>What are the tips and tricks for buying property the right way? There are many myths, many of which are not shared by experts. In this podcast, Cake Bakos and Pete Wargent, authors of The Buy Right Approach to Property Investing, share some of their knowledge about buying property and profiting from it.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>What are the tips and tricks for buying property the right way? There are many myths, many of which are not shared by experts. In this podcast, Cake Bakos and Pete Wargent, authors of The Buy Right Approach to Property Investing, share some of their knowledge about buying property and profiting from it.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/4tgkz3sanrn47bpg/Buy_Right_2_8ntry.mp3" length="86899200" type="audio/mpeg"/>
        <itunes:summary><![CDATA[What are the tips and tricks for buying property the right way? There are many myths, many of which are not shared by experts. In this podcast, Cake Bakos and Pete Wargent, authors of The Buy Right Approach to Property Investing, share some of their knowledge about buying property and profiting from it.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2172</itunes:duration>
                <itunes:episode>117</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Buy_right_sxy89m.png" />    </item>
    <item>
        <title>115: Talking stag bol with Phoebe Youd</title>
        <itunes:title>115: Talking stag bol with Phoebe Youd</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/115-talking-stag-bog-with-phoebe-youd/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/115-talking-stag-bog-with-phoebe-youd/#comments</comments>        <pubDate>Sat, 29 Jun 2024 20:08:41 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/867887c9-f5c2-3009-a699-e6e33cd49a58</guid>
                                    <description><![CDATA[<p>In the Great Depression, many Australian families survived by hunting, eating and selling rabbits. With the number of introduced, feral animals increasing in Australia's fragile ecosystem, could eating these animals be a frugal option in tough times? In this episode, Serina talks with Phoebe Youd, President of the ACT/Snowy Mountains Branch of the Australian Deer Association about her role in promoting venison diplomacy. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>In the Great Depression, many Australian families survived by hunting, eating and selling rabbits. With the number of introduced, feral animals increasing in Australia's fragile ecosystem, could eating these animals be a frugal option in tough times? In this episode, Serina talks with Phoebe Youd, President of the ACT/Snowy Mountains Branch of the Australian Deer Association about her role in promoting venison diplomacy. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/fwy8ipjxni6gy7dq/Phebe_Odde5zkvs.mp3" length="86633280" type="audio/mpeg"/>
        <itunes:summary><![CDATA[In the Great Depression, many Australian families survived by hunting, eating and selling rabbits. With the number of introduced, feral animals increasing in Australia's fragile ecosystem, could eating these animals be a frugal option in tough times? In this episode, Serina talks with Phoebe Youd, President of the ACT/Snowy Mountains Branch of the Australian Deer Association about her role in promoting venison diplomacy. ]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2165</itunes:duration>
                <itunes:episode>116</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/phoebe__pyk7pp.jpg" />    </item>
    <item>
        <title>114: Natasha Etschmann aka Tash Invests talks about how not to work forever</title>
        <itunes:title>114: Natasha Etschmann aka Tash Invests talks about how not to work forever</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/114-natasha-etschmann-aka-tash-invests-talks-about-how-not-to-work-forever/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/114-natasha-etschmann-aka-tash-invests-talks-about-how-not-to-work-forever/#comments</comments>        <pubDate>Sat, 15 Jun 2024 21:57:54 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/b14f1ead-f206-3e42-b736-528bdc44c8a2</guid>
                                    <description><![CDATA[<p>Do you plan to work forever? Or would you like to be able to leave work sooner? Popular Tik Tok, Instagrammer and podcaster Natasha Etschmann (aka Tash invests), discusses her recent book, <a href='http://booktopia.kh4ffx.net/zNJPvO'>How Not to Work Forever</a>, coauthored with Ana Kresina.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Do you plan to work forever? Or would you like to be able to leave work sooner? Popular Tik Tok, Instagrammer and podcaster Natasha Etschmann (aka Tash invests), discusses her recent book, <a href='http://booktopia.kh4ffx.net/zNJPvO'>How Not to Work Forever</a>, coauthored with Ana Kresina.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/cnzqk5yhymqemm3d/Natasha_Etschamann_1_7nu0l.mp3" length="83257920" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Do you plan to work forever? Or would you like to be able to leave work sooner? Popular Tik Tok, Instagrammer and podcaster Natasha Etschmann (aka Tash invests), discusses her recent book, How Not to Work Forever, coauthored with Ana Kresina.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2081</itunes:duration>
                <itunes:episode>115</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Tash_Invests_6dqgxq.jpg" />    </item>
    <item>
        <title>113: Tracy Hall talks about intimate partner fraud</title>
        <itunes:title>113: Tracy Hall talks about intimate partner fraud</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/113-tracy-hall-talks-about-intimate-partner-fraud/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/113-tracy-hall-talks-about-intimate-partner-fraud/#comments</comments>        <pubDate>Sat, 08 Jun 2024 14:39:37 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/c0512e73-e4d5-3880-8129-9f47fc8b1f3a</guid>
                                    <description><![CDATA[<p>What if your boyfriend, girlfriend, partner, or spouse wasn't who they said they were? That happened to Tracy Hall, who learnt the man she knew as Max was really Hamish - after he was arrested. Not only that, but Hamish cleared out her life savings. In this podcast, Serina talks to Tracy Hall about her new book <a href='http://booktopia.kh4ffx.net/75zre3'>The Last Victim: The full story behind the relationship made famous by the hit podcast </a><a href='http://booktopia.kh4ffx.net/75zre3'>Who the Hell is Hamish</a>? Tracy talks honestly about her experience, the red flags that she recognised afterwards, and shared her passion for financial literacy.</p>
<p> </p>
<p> </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>What if your boyfriend, girlfriend, partner, or spouse wasn't who they said they were? That happened to Tracy Hall, who learnt the man she knew as Max was really Hamish - after he was arrested. Not only that, but Hamish cleared out her life savings. In this podcast, Serina talks to Tracy Hall about her new book <a href='http://booktopia.kh4ffx.net/75zre3'>The Last Victim: The full story behind the relationship made famous by the hit podcast </a><em><a href='http://booktopia.kh4ffx.net/75zre3'>Who the Hell is Hamish</a>? </em>Tracy talks honestly about her experience, the red flags that she recognised afterwards, and shared her passion for financial literacy.</p>
<p> </p>
<p> </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/3zhessxi4ke6fsen/Tracey_Hall7vsc8.mp3" length="83450880" type="audio/mpeg"/>
        <itunes:summary><![CDATA[What if your boyfriend, girlfriend, partner, or spouse wasn't who they said they were? That happened to Tracy Hall, who learnt the man she knew as Max was really Hamish - after he was arrested. Not only that, but Hamish cleared out her life savings. In this podcast, Serina talks to Tracy Hall about her new book The Last Victim: The full story behind the relationship made famous by the hit podcast Who the Hell is Hamish? Tracy talks honestly about her experience, the red flags that she recognised afterwards, and shared her passion for financial literacy.
 
 ]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2086</itunes:duration>
                <itunes:episode>114</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Tracy_Hall_3_vkv6me.jpeg" />    </item>
    <item>
        <title>112: Livestream at FIRESpark Retreat 2024</title>
        <itunes:title>112: Livestream at FIRESpark Retreat 2024</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/112-livestream-at-firespark-retreat-2024/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/112-livestream-at-firespark-retreat-2024/#comments</comments>        <pubDate>Sat, 04 May 2024 17:59:48 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/e95b9219-ca6d-3681-aa0d-01b5950043d1</guid>
                                    <description><![CDATA[<p>Discussion with Scott on FIRE, Bob Dae from the Melbourne FIRE Brigade, Captain FI and The Joyful Frugalista about financial independence. Recorded on 4 May 2024 at the FIRESpark 2024 retreat.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Discussion with Scott on FIRE, Bob Dae from the Melbourne FIRE Brigade, Captain FI and The Joyful Frugalista about financial independence. Recorded on 4 May 2024 at the FIRESpark 2024 retreat.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/txeexip3tat54u2r/liveshow_2024_05_04_1134.mp3" length="61515916" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Discussion with Scott on FIRE, Bob Dae from the Melbourne FIRE Brigade, Captain FI and The Joyful Frugalista about financial independence. Recorded on 4 May 2024 at the FIRESpark 2024 retreat.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>3839</itunes:duration>
                <itunes:episode>113</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/firespark_sqaure_uq8u3k.jpeg" />    </item>
    <item>
        <title>111: Aaron Christie-David talks about home loans</title>
        <itunes:title>111: Aaron Christie-David talks about home loans</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/111-aaron-christie-david-talks-about-home-loans/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/111-aaron-christie-david-talks-about-home-loans/#comments</comments>        <pubDate>Mon, 29 Apr 2024 22:38:29 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/591fc4ba-aeeb-39f9-a844-15e9b5544cd9</guid>
                                    <description><![CDATA[<p>Can a home loan ever be a happy experience? Atelier Weath Managing Director Aaron Christie-David chats about his book, The Happy Home Loan Handbook, how to get a home loan and how to buy successfully at auction.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Can a home loan ever be a happy experience? Atelier Weath Managing Director Aaron Christie-David chats about his book, The Happy Home Loan Handbook, how to get a home loan and how to buy successfully at auction.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/x4n3xh9ugruqe74z/Aaron_Christy_Davidagbh5.mp3" length="84107520" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Can a home loan ever be a happy experience? Atelier Weath Managing Director Aaron Christie-David chats about his book, The Happy Home Loan Handbook, how to get a home loan and how to buy successfully at auction.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2102</itunes:duration>
                <itunes:episode>112</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/aaron_small_hhiiby.jpg" />    </item>
    <item>
        <title>110: Paul Benson muses about winning lotto, receiving inheritance, starting saving at any age, and living life large while saving</title>
        <itunes:title>110: Paul Benson muses about winning lotto, receiving inheritance, starting saving at any age, and living life large while saving</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/110-paul-benson-muses-about-winning-lotto-receiving-inheritance-starting-saving-at-any-age-and-living-life-large-while-saving/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/110-paul-benson-muses-about-winning-lotto-receiving-inheritance-starting-saving-at-any-age-and-living-life-large-while-saving/#comments</comments>        <pubDate>Sun, 03 Mar 2024 12:02:03 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/7a477e8a-3819-3531-9abe-6677e10cd866</guid>
                                    <description><![CDATA[<p>Is it too late to start saving? Or are you hoping to one day win the lotto or receive an inheritance? In this podcast, Serina chats with Paul Benson about life, wishful thinking and beginning to save and invest at any age.</p>
<p>Paul is a certified financial planner with over 20 years of experience. He writes Sunday's Ask an Expert column across the Fairfax network of newspapers. He is the host of the Financial Autonomy podcast, which focuses on strategies to help you make choices in life, and he is the author of Financial Autonomy: The money book that gives you choice.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Is it too late to start saving? Or are you hoping to one day win the lotto or receive an inheritance? In this podcast, Serina chats with Paul Benson about life, wishful thinking and beginning to save and invest at any age.</p>
<p>Paul is a certified financial planner with over 20 years of experience. He writes Sunday's Ask an Expert column across the Fairfax network of newspapers. He is the host of the Financial Autonomy podcast, which focuses on strategies to help you make choices in life, and he is the author of <em>Financial Autonomy: The money book that gives you choice</em>.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/vi2i4e/Paul_Bensonbnhob.mp3" length="86260800" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Is it too late to start saving? Or are you hoping to one day win the lotto or receive an inheritance? In this podcast, Serina chats with Paul Benson about life, wishful thinking and beginning to save and invest at any age.
Paul is a certified financial planner with over 20 years of experience. He writes Sunday's Ask an Expert column across the Fairfax network of newspapers. He is the host of the Financial Autonomy podcast, which focuses on strategies to help you make choices in life, and he is the author of Financial Autonomy: The money book that gives you choice.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2156</itunes:duration>
                <itunes:episode>111</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/paul_benson_jwhtsu.jpg" />    </item>
    <item>
        <title>109: Kate Campbell talks about buyinghappiness and investing wisely</title>
        <itunes:title>109: Kate Campbell talks about buyinghappiness and investing wisely</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/109-kate-campbell-talks-about-buyinghappiness-and-investing-wisely/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/109-kate-campbell-talks-about-buyinghappiness-and-investing-wisely/#comments</comments>        <pubDate>Thu, 21 Dec 2023 16:59:22 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/c9d820ac-b36b-3e74-bb8b-81d61efadca0</guid>
                                    <description><![CDATA[<p>While The Beatles might have said that money can't buy love, Kate Campbell is a financial educator who shares how good financial stewardship can help to 'buy' happiness.  Kate is a writer, author, course creator and podcaster, who runs the Rask online community. She is the author of Buying Happiness: Learn to invest your time and money better.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>While The Beatles might have said that money can't buy love, Kate Campbell is a financial educator who shares how good financial stewardship can help to 'buy' happiness.  Kate is a writer, author, course creator and podcaster, who runs the Rask online community. She is the author of <em>Buying Happiness: Learn to invest your time and money better</em>.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/37sps9/Kate_Campbell801e3.mp3" length="39916809" type="audio/mpeg"/>
        <itunes:summary><![CDATA[While The Beatles might have said that money can't buy love, Kate Campbell is a financial educator who shares how good financial stewardship can help to 'buy' happiness.  Kate is a writer, author, course creator and podcaster, who runs the Rask online community. She is the author of Buying Happiness: Learn to invest your time and money better.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1875</itunes:duration>
                <itunes:episode>110</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/kate-campbell.jpg" />    </item>
    <item>
        <title>108: Serina Bird talks about saving money</title>
        <itunes:title>108: Serina Bird talks about saving money</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/107-serina-bird-talks-about-saving-money/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/107-serina-bird-talks-about-saving-money/#comments</comments>        <pubDate>Thu, 07 Dec 2023 21:11:28 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/f5e55547-f9ee-3875-8dad-e920e975171e</guid>
                                    <description><![CDATA[<p>When was the last time you asked for a rate review? Rang your energy company? Or changed your NBN plan? Serina Bird (aka The Joyful Frugalista) did all three of these recently and shares how she did it.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>When was the last time you asked for a rate review? Rang your energy company? Or changed your NBN plan? Serina Bird (aka The Joyful Frugalista) did all three of these recently and shares how she did it.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/ia4pdy/231202_Serina_Talks_about_savings92eag.mp3" length="54912960" type="audio/mpeg"/>
        <itunes:summary><![CDATA[When was the last time you asked for a rate review? Rang your energy company? Or changed your NBN plan? Serina Bird (aka The Joyful Frugalista) did all three of these recently and shares how she did it.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1372</itunes:duration>
                <itunes:episode>109</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Untitled_design_m6vg7u.jpg" />    </item>
    <item>
        <title>107: Pascale Helyar-Moray talks about paying for mortgage, superannuation - and Black Friday Sales</title>
        <itunes:title>107: Pascale Helyar-Moray talks about paying for mortgage, superannuation - and Black Friday Sales</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/107-pascale-helyar-moray-talks-about-paying-for-mortgage-superannuation-and-black-friday-sales/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/107-pascale-helyar-moray-talks-about-paying-for-mortgage-superannuation-and-black-friday-sales/#comments</comments>        <pubDate>Wed, 22 Nov 2023 19:23:09 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/2c94032c-54ff-3c79-99ae-a43e72c8f00f</guid>
                                    <description><![CDATA[<p>Pascale Helyar-Moray is an entrepreneur and startup queen.  She is the founder and CEO of Super-Rewards, which has recently been rebranded as Grow My Money. On this podcast, she talks about compound interest, the importance of paying off your mortgage early, superannuation, and tips for Black Friday sales.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Pascale Helyar-Moray is an entrepreneur and startup queen.  She is the founder and CEO of Super-Rewards, which has recently been rebranded as Grow My Money. On this podcast, she talks about compound interest, the importance of paying off your mortgage early, superannuation, and tips for Black Friday sales.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/77ph5b/Grow_My_Money8oe5x.mp3" length="32117088" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Pascale Helyar-Moray is an entrepreneur and startup queen.  She is the founder and CEO of Super-Rewards, which has recently been rebranded as Grow My Money. On this podcast, she talks about compound interest, the importance of paying off your mortgage early, superannuation, and tips for Black Friday sales.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2091</itunes:duration>
                <itunes:episode>108</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Pascale_Helyar-Moray_4_u4nv7d.jpg" />    </item>
    <item>
        <title>106: Ana Kresina talks about the cost of raising children</title>
        <itunes:title>106: Ana Kresina talks about the cost of raising children</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/106-ana-kresina-talks-about-the-cost-of-raising-children/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/106-ana-kresina-talks-about-the-cost-of-raising-children/#comments</comments>        <pubDate>Mon, 20 Nov 2023 21:08:05 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/56375eff-6657-35ba-8cbd-2573babccc2d</guid>
                                    <description><![CDATA[<p>The cost of living crisis is biting especially hard for those with kids - or those thinking of having children. Ana Kresina is a financial educator and author of Kids Ain’t Cheap. She works in the financial technology industry and is cohost of Australia’s leading podcast, the Get Rich Slow Club. She also documents her journey to financial independence online.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>The cost of living crisis is biting especially hard for those with kids - or those thinking of having children. Ana Kresina is a financial educator and author of Kids Ain’t Cheap. She works in the financial technology industry and is cohost of Australia’s leading podcast, the Get Rich Slow Club. She also documents her journey to financial independence online.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/dbk42q/Anna_Christina6r3d4.mp3" length="28070856" type="audio/mpeg"/>
        <itunes:summary><![CDATA[The cost of living crisis is biting especially hard for those with kids - or those thinking of having children. Ana Kresina is a financial educator and author of Kids Ain’t Cheap. She works in the financial technology industry and is cohost of Australia’s leading podcast, the Get Rich Slow Club. She also documents her journey to financial independence online.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2010</itunes:duration>
                <itunes:episode>107</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/AnasSelects-05_1__dnmxth.jpg" />    </item>
    <item>
        <title>105: DonnaMcGeorge chats ChatGBT</title>
        <itunes:title>105: DonnaMcGeorge chats ChatGBT</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/105-donnamcgeorge-chats-chatgbt/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/105-donnamcgeorge-chats-chatgbt/#comments</comments>        <pubDate>Thu, 16 Nov 2023 19:42:53 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/9d732140-5c4a-35e7-805b-91be9d9a83a5</guid>
                                    <description><![CDATA[<p>How will AI change our lives? And can we use it for creating abundance, be it for learning to budget or to invest? Donna McGeorge is author of 11 books and publications, including bestseller The ChatGPT Revolution. And in this podcast, we do a deep dive into ChatGBT and how it works (and doesn't).</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>How will AI change our lives? And can we use it for creating abundance, be it for learning to budget or to invest? Donna McGeorge is author of 11 books and publications, including bestseller The ChatGPT Revolution. And in this podcast, we do a deep dive into ChatGBT and how it works (and doesn't).</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/gpmwyy/Donna_McGeorge6jxtd.mp3" length="30087528" type="audio/mpeg"/>
        <itunes:summary><![CDATA[How will AI change our lives? And can we use it for creating abundance, be it for learning to budget or to invest? Donna McGeorge is author of 11 books and publications, including bestseller The ChatGPT Revolution. And in this podcast, we do a deep dive into ChatGBT and how it works (and doesn't).]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1978</itunes:duration>
                <itunes:episode>106</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/donna_mcgeorgeadoef.jpeg" />    </item>
    <item>
        <title>104: Drew Evans shares his tips on building wealth through property</title>
        <itunes:title>104: Drew Evans shares his tips on building wealth through property</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/104-drew-evans-shares-his-tips-on-building-wealth-through-property/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/104-drew-evans-shares-his-tips-on-building-wealth-through-property/#comments</comments>        <pubDate>Tue, 24 Oct 2023 21:27:52 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/8bf742b6-638e-384e-9181-391682accdae</guid>
                                    <description><![CDATA[<p>Drew Evans from Caifu Property discusses how to make money through property investing.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Drew Evans from Caifu Property discusses how to make money through property investing.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/v627yp/Drew_Evans_-_Kifu8tw2d.mp3" length="25832568" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Drew Evans from Caifu Property discusses how to make money through property investing.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1643</itunes:duration>
                <itunes:episode>105</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/A21I8761_5zzxru.jpg" />    </item>
    <item>
        <title>103: Kate Toon talks about how you can create a successful business and be a good parent</title>
        <itunes:title>103: Kate Toon talks about how you can create a successful business and be a good parent</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/103-kate-toon-talks-about-how-you-can-create-a-successful-business-and-be-a-good-parent/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/103-kate-toon-talks-about-how-you-can-create-a-successful-business-and-be-a-good-parent/#comments</comments>        <pubDate>Sat, 09 Sep 2023 19:00:40 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/ba2fed62-c1ab-3533-820d-c8a0e64451ae</guid>
                                    <description><![CDATA[<p>Kate Toon is an award-winning business mentor and digital marketing coach.  Her Stay Tooned group of companies include the Digital Marketing Collective, The Clever Copywriting School, and The Recipe for SEO Success.  She’s the author of Six Figures in School Hours: How to run a successful business and still be a good parent (2023). And in this podcast, she has an authentic conversation about money, parenting, SEO and overcoming limiting beliefs around money.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Kate Toon is an award-winning business mentor and digital marketing coach.  Her Stay Tooned group of companies include the Digital Marketing Collective, The Clever Copywriting School, and The Recipe for SEO Success.  She’s the author of Six Figures in School Hours: How to run a successful business and still be a good parent (2023). And in this podcast, she has an authentic conversation about money, parenting, SEO and overcoming limiting beliefs around money.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/2d6aj3/Kate_Toonbg8u4.mp3" length="26765996" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Kate Toon is an award-winning business mentor and digital marketing coach.  Her Stay Tooned group of companies include the Digital Marketing Collective, The Clever Copywriting School, and The Recipe for SEO Success.  She’s the author of Six Figures in School Hours: How to run a successful business and still be a good parent (2023). And in this podcast, she has an authentic conversation about money, parenting, SEO and overcoming limiting beliefs around money.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2073</itunes:duration>
                <itunes:episode>104</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/kate_toon_ixdfxg.jpg" />    </item>
    <item>
        <title>102: Mia Swainson talks about her passion for sustainable living.</title>
        <itunes:title>102: Mia Swainson talks about her passion for sustainable living.</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/102-mia-swainson-talks-about-her-passion-for-sustainable-living/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/102-mia-swainson-talks-about-her-passion-for-sustainable-living/#comments</comments>        <pubDate>Wed, 23 Aug 2023 21:22:42 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/55490214-92cc-326f-8ff7-6251df3b8f15</guid>
                                    <description><![CDATA[<p>In this podcast, Serina chats with friend and sustainability advocate Mia Swainson about ways to save money and the environment. Mia is a freelance writer and successful entrepreneur passionate about sustainable living. Mia is President of the Canberra Environment Centre and founding chair of Canberra's Zero Waste Revolution. She designs and delivers community workshops in Canberra and the region on how people can halve their household waste. And she is the author of Happy Planet Living: Simple Ways to Live a Climate-Positive Lifestyle and Make a Big Difference.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>In this podcast, Serina chats with friend and sustainability advocate Mia Swainson about ways to save money and the environment. Mia is a freelance writer and successful entrepreneur passionate about sustainable living. Mia is President of the Canberra Environment Centre and founding chair of Canberra's Zero Waste Revolution. She designs and delivers community workshops in Canberra and the region on how people can halve their household waste. And she is the author of Happy Planet Living: Simple Ways to Live a Climate-Positive Lifestyle and Make a Big Difference.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/qqqigj/Mia_10_years_6pl6g.mp3" length="25488864" type="audio/mpeg"/>
        <itunes:summary><![CDATA[In this podcast, Serina chats with friend and sustainability advocate Mia Swainson about ways to save money and the environment. Mia is a freelance writer and successful entrepreneur passionate about sustainable living. Mia is President of the Canberra Environment Centre and founding chair of Canberra's Zero Waste Revolution. She designs and delivers community workshops in Canberra and the region on how people can halve their household waste. And she is the author of Happy Planet Living: Simple Ways to Live a Climate-Positive Lifestyle and Make a Big Difference.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1598</itunes:duration>
                <itunes:episode>103</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/download_1__vbjzxb.jpg" />    </item>
    <item>
        <title>101:  Simon Ree talks about the Tao of Trading</title>
        <itunes:title>101:  Simon Ree talks about the Tao of Trading</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/101-simon-ree-talks-about-the-tao-of-trading/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/101-simon-ree-talks-about-the-tao-of-trading/#comments</comments>        <pubDate>Sun, 06 Aug 2023 22:53:55 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/a64cd083-c321-35e7-be94-ff468c020bf0</guid>
                                    <description><![CDATA[<p>Simon Ree is the author of the #1 best-selling book The Tao Of Trading and the founder of taooftrading.com. He has three decades of experience in the financial markets, having previously held senior positions at Goldman Sachs
and Citi. His vision is to help people live more creative, joyful and inspired lives by alleviating the burden of financial stress that weighs so many people down.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Simon Ree is the author of the #1 best-selling book The Tao Of Trading and the founder of taooftrading.com. He has three decades of experience in the financial markets, having previously held senior positions at Goldman Sachs<br>
and Citi. His vision is to help people live more creative, joyful and inspired lives by alleviating the burden of financial stress that weighs so many people down.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/btuhqa/Simon_Ree7i3m0.mp3" length="36974901" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Simon Ree is the author of the #1 best-selling book The Tao Of Trading and the founder of taooftrading.com. He has three decades of experience in the financial markets, having previously held senior positions at Goldman Sachsand Citi. His vision is to help people live more creative, joyful and inspired lives by alleviating the burden of financial stress that weighs so many people down.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1829</itunes:duration>
                <itunes:episode>102</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/1651653658430_z3iei2.jpg" />    </item>
    <item>
        <title>100: Serina celebrates 100 episodes - and her new book!</title>
        <itunes:title>100: Serina celebrates 100 episodes - and her new book!</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/100-serina-celebrates-100-episodes-and-her-new-book/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/100-serina-celebrates-100-episodes-and-her-new-book/#comments</comments>        <pubDate>Mon, 24 Jul 2023 21:00:51 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/292f79d7-477e-3655-a593-d7937af6f204</guid>
                                    <description><![CDATA[<p>Celebrations! In this podcast, Serina recaps three and a bit years of podcasting - and she shares details of her new book.  <a href='https://booktopia.kh4ffx.net/PyKqDz'>How to Pay Your Mortgage Off in Ten Years (Even When Interest Rates Are Going Up)</a> is in bookstores from 25 July. 

Image by Akka Ballenger</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Celebrations! In this podcast, Serina recaps three and a bit years of podcasting - and she shares details of her new book.  <a href='https://booktopia.kh4ffx.net/PyKqDz'>How to Pay Your Mortgage Off in Ten Years (Even When Interest Rates Are Going Up)</a> is in bookstores from 25 July. <br>
<br>
Image by Akka Ballenger</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/ebee2k/Serina_10070vjg.mp3" length="14729731" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Celebrations! In this podcast, Serina recaps three and a bit years of podcasting - and she shares details of her new book.  How to Pay Your Mortgage Off in Ten Years (Even When Interest Rates Are Going Up) is in bookstores from 25 July. Image by Akka Ballenger]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>970</itunes:duration>
                <itunes:episode>101</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Serina_small_square_2_55ijyg.jpg" />    </item>
    <item>
        <title>99: Accountant Scott Ellis chats about abundance and tax</title>
        <itunes:title>99: Accountant Scott Ellis chats about abundance and tax</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/99-accountant-scott-ellis-chats-about-abundance-and-tax/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/99-accountant-scott-ellis-chats-about-abundance-and-tax/#comments</comments>        <pubDate>Sun, 25 Jun 2023 21:12:39 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/4fec67b6-a54d-3283-b223-22504ad6d754</guid>
                                    <description><![CDATA[<p>Understanding tax is important to building wealth.  On this podcast, Serina chats with her accountant - Scott Ellis - about ways to minimise tax and build abundance. Scott is an accountant at Les Ellis & Associates Pty. He has advised Serina on tax issues for almost 20 years. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Understanding tax is important to building wealth.  On this podcast, Serina chats with her accountant - Scott Ellis - about ways to minimise tax and build abundance. Scott is an accountant at Les Ellis & Associates Pty. He has advised Serina on tax issues for almost 20 years. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/tky4im/Scott_Ellis7ii0x.mp3" length="42544988" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Understanding tax is important to building wealth.  On this podcast, Serina chats with her accountant - Scott Ellis - about ways to minimise tax and build abundance. Scott is an accountant at Les Ellis & Associates Pty. He has advised Serina on tax issues for almost 20 years. ]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2253</itunes:duration>
                <itunes:episode>100</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/scott_ellis_vvhn4k.jpg" />    </item>
    <item>
        <title>98: Joel Gibson shares how to find money easily</title>
        <itunes:title>98: Joel Gibson shares how to find money easily</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/98-joel-gibson-shares-how-to-find-money-easily/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/98-joel-gibson-shares-how-to-find-money-easily/#comments</comments>        <pubDate>Sat, 24 Jun 2023 19:06:19 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/d9e7ea32-063b-386f-a863-39794bb1eb8d</guid>
                                    <description><![CDATA[<p>In tough economic times, there is still easy money to be had. Bill-buster and money-saving nerd Joel Gibson is Australia's shares tips for how to reduce your bills and find money. Joel is a regular in the SMH and The Age, on Today, and on 2GB, 4BC and ABC Radio. In 2019 he wrote <a href='booktopia.kh4ffx.net/Vmb20j'>KILL BILLS</a>, and now he's updated, expanded and simplified his money-saving system for the post-COVID cost of living crisis in his new book, <a href='booktopia.kh4ffx.net/1rDZVz'>Easy Money: 7 Steps to Bust Your Bills</a>.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>In tough economic times, there is still easy money to be had. Bill-buster and money-saving nerd Joel Gibson is Australia's shares tips for how to reduce your bills and find money. Joel is a regular in the SMH and The Age, on Today, and on 2GB, 4BC and ABC Radio. In 2019 he wrote <em><a href='booktopia.kh4ffx.net/Vmb20j'>KILL BILLS</a>,</em> and now he's updated, expanded and simplified his money-saving system for the post-COVID cost of living crisis in his new book, <em><a href='booktopia.kh4ffx.net/1rDZVz'>Easy Money: 7 Steps to Bust Your Bills</a>.</em></p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/nf8cmr/Joel_Gibson_-_Easy_Moneybv4vi.mp3" length="35010489" type="audio/mpeg"/>
        <itunes:summary><![CDATA[In tough economic times, there is still easy money to be had. Bill-buster and money-saving nerd Joel Gibson is Australia's shares tips for how to reduce your bills and find money. Joel is a regular in the SMH and The Age, on Today, and on 2GB, 4BC and ABC Radio. In 2019 he wrote KILL BILLS, and now he's updated, expanded and simplified his money-saving system for the post-COVID cost of living crisis in his new book, Easy Money: 7 Steps to Bust Your Bills.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1998</itunes:duration>
                <itunes:episode>99</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Joel_Gibson_680x680__2__yu9jkc.png" />    </item>
    <item>
        <title>97: Nicole Pedersen-McKinnon talks about bargain regret</title>
        <itunes:title>97: Nicole Pedersen-McKinnon talks about bargain regret</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/97-nicole-pedersen-mckinnon-talks-about-bargain-regret/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/97-nicole-pedersen-mckinnon-talks-about-bargain-regret/#comments</comments>        <pubDate>Sun, 18 Jun 2023 17:57:26 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/688364e9-7574-3cf7-94cb-512c93685cd6</guid>
                                    <description><![CDATA[<p>Ever bought something you thought was a bargain that ended up being anything but?  Financial educator, commentator and author Nicole Pedersen-McKinnon chats about the cost of living crisis, bargain-hunting mentality and bargain regret (aka #frugalfail).</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Ever bought something you thought was a bargain that ended up being anything but?  Financial educator, commentator and author Nicole Pedersen-McKinnon chats about the cost of living crisis, bargain-hunting mentality and bargain regret (aka #frugalfail).</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/aa2kkm/Nicole_Peterson_Mckinnon_1_6nqvk.mp3" length="23665704" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Ever bought something you thought was a bargain that ended up being anything but?  Financial educator, commentator and author Nicole Pedersen-McKinnon chats about the cost of living crisis, bargain-hunting mentality and bargain regret (aka #frugalfail).]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1518</itunes:duration>
                <itunes:episode>98</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Nicole_small_m7zqvs.jpg" />    </item>
    <item>
        <title>96:  Pascale Helyar-Moray discusses women, money and superannuation</title>
        <itunes:title>96:  Pascale Helyar-Moray discusses women, money and superannuation</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/96-pascale-helyar-moray-discusses-women-money-and-superannuation/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/96-pascale-helyar-moray-discusses-women-money-and-superannuation/#comments</comments>        <pubDate>Sun, 14 May 2023 14:35:48 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/a2fb9fdd-4a0a-356d-a534-1c38111163f9</guid>
                                    <description><![CDATA[<p>CEO of <a href='https://super-rewards.com/'>Super-Rewards</a>, Pascale Helyar-Moray, is passionate about helping to achieve greater financial equality. In this podcast, she chats with Serina about the gender pay gap, superannuation and women, and her experience in deciding to found her startup to do something about this.</p>
<p>This podcast is brought to you with the support of <a href='https://super-rewards.com/'>Super-Rewards</a>.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>CEO of <a href='https://super-rewards.com/'>Super-Rewards</a>, Pascale Helyar-Moray, is passionate about helping to achieve greater financial equality. In this podcast, she chats with Serina about the gender pay gap, superannuation and women, and her experience in deciding to found her startup to do something about this.</p>
<p>This podcast is brought to you with the support of <a href='https://super-rewards.com/'>Super-Rewards</a>.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/d6pmvb/Pascale_1_bjw0w.mp3" length="40484090" type="audio/mpeg"/>
        <itunes:summary><![CDATA[CEO of Super-Rewards, Pascale Helyar-Moray, is passionate about helping to achieve greater financial equality. In this podcast, she chats with Serina about the gender pay gap, superannuation and women, and her experience in deciding to found her startup to do something about this.
This podcast is brought to you with the support of Super-Rewards.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1963</itunes:duration>
                <itunes:episode>97</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Pascale_i3buu4.jpeg" />    </item>
    <item>
        <title>95:  Vanessa Stoykov talks about the essential money conversations we need to have</title>
        <itunes:title>95:  Vanessa Stoykov talks about the essential money conversations we need to have</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/95-vanessa-stoykov-talks-about-the-essential-money-conversations-we-need-to-have/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/95-vanessa-stoykov-talks-about-the-essential-money-conversations-we-need-to-have/#comments</comments>        <pubDate>Sun, 12 Feb 2023 21:13:13 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/0f649c2b-c39f-3fa5-8307-a6b2bf9bd358</guid>
                                    <description><![CDATA[<p>What conversations should we be having around money? And how do we have them?  In this podcast, Serina chats with money educator and communicator Vanessa Stoykov about her new book, <a href='https://booktopia.kh4ffx.net/4eOn71'>The Five Conversations About Money That Will Radically Change Your Life</a>.</p>
<p>Did you know that 75% of people believe they should have conversations about inheritance before someone passes away?  And 53% of people said that the worst deal breaker in a partner was infidelity, with financial irresponsibility being a second factor at 25%?  </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>What conversations should we be having around money? And how do we have them?  In this podcast, Serina chats with money educator and communicator Vanessa Stoykov about her new book, <a href='https://booktopia.kh4ffx.net/4eOn71'>The Five Conversations About Money That Will Radically Change Your Life</a>.</p>
<p>Did you know that 75% of people believe they should have conversations about inheritance before someone passes away?  And 53% of people said that the worst deal breaker in a partner was infidelity, with financial irresponsibility being a second factor at 25%?  </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/6h3f4n/Vanessa.mp3" length="36247098" type="audio/mpeg"/>
        <itunes:summary><![CDATA[What conversations should we be having around money? And how do we have them?  In this podcast, Serina chats with money educator and communicator Vanessa Stoykov about her new book, The Five Conversations About Money That Will Radically Change Your Life.
Did you know that 75% of people believe they should have conversations about inheritance before someone passes away?  And 53% of people said that the worst deal breaker in a partner was infidelity, with financial irresponsibility being a second factor at 25%?  ]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1909</itunes:duration>
                <itunes:episode>96</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/image003_1__epnwc4.jpg" />    </item>
    <item>
        <title>94:  Mobile payment industry entrepreneur Harold Dimpel talks fintech</title>
        <itunes:title>94:  Mobile payment industry entrepreneur Harold Dimpel talks fintech</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/94-mobile-payment-industry-entrepreneur-harold-dimpel-talks-fintech/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/94-mobile-payment-industry-entrepreneur-harold-dimpel-talks-fintech/#comments</comments>        <pubDate>Sun, 15 Jan 2023 20:29:18 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/dfda1999-e7e9-3c66-ba90-c925dc751be1</guid>
                                    <description><![CDATA[<p>How is fintech changing how we bank? And do we even need a bank account?  (Spoiler: many people in the world don't even have a bank account, yet still manage to regularly send money to family overseas.)  In this podcast, Serina chats with friend Harold Dimpel, a mobile payment industry entrepreneur with 17 years of experience in fintech.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>How is fintech changing how we bank? And do we even need a bank account?  (Spoiler: many people in the world don't even have a bank account, yet still manage to regularly send money to family overseas.)  In this podcast, Serina chats with friend Harold Dimpel, a mobile payment industry entrepreneur with 17 years of experience in fintech.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/fx2eua/Harold.mp3" length="43364381" type="audio/mpeg"/>
        <itunes:summary><![CDATA[How is fintech changing how we bank? And do we even need a bank account?  (Spoiler: many people in the world don't even have a bank account, yet still manage to regularly send money to family overseas.)  In this podcast, Serina chats with friend Harold Dimpel, a mobile payment industry entrepreneur with 17 years of experience in fintech.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2022</itunes:duration>
                <itunes:episode>95</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/1516320761649_5nvqqa.jpeg" />    </item>
    <item>
        <title>93: Evan Lucas shares why mindset is important to making money</title>
        <itunes:title>93: Evan Lucas shares why mindset is important to making money</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/93-evan-lucas-shares-why-mindset-is-important-to-making-money/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/93-evan-lucas-shares-why-mindset-is-important-to-making-money/#comments</comments>        <pubDate>Tue, 10 Jan 2023 20:24:00 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/8bba0b32-4dd5-3b3c-b625-bf0a560d3e71</guid>
                                    <description><![CDATA[<p>How do our beliefs, including inherited beliefs, affect our relationship with money?  In this podcast, Evan Lucas shares some of his behavioural finance knowledge.  Evan is Head of Strategy at Invest SMART and a regular commentator on ABC television and radio, TODAY, The Project and SKY News.  He is the author of <a href='http://booktopia.kh4ffx.net/mgeaPy'>Mind Over Money: Why understanding your money behaviour will improve your financial freedom</a>. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>How do our beliefs, including inherited beliefs, affect our relationship with money?  In this podcast, Evan Lucas shares some of his behavioural finance knowledge.  Evan is Head of Strategy at Invest SMART and a regular commentator on ABC television and radio, TODAY, The Project and SKY News.  He is the author of <a href='http://booktopia.kh4ffx.net/mgeaPy'>Mind Over Money: Why understanding your money behaviour will improve your financial freedom</a>. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/kwsmxa/Evan_Lucas_Mind_Over_Money7x79r.mp3" length="43025029" type="audio/mpeg"/>
        <itunes:summary><![CDATA[How do our beliefs, including inherited beliefs, affect our relationship with money?  In this podcast, Evan Lucas shares some of his behavioural finance knowledge.  Evan is Head of Strategy at Invest SMART and a regular commentator on ABC television and radio, TODAY, The Project and SKY News.  He is the author of Mind Over Money: Why understanding your money behaviour will improve your financial freedom. ]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2203</itunes:duration>
                <itunes:episode>94</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Evan-Lucas-2_6cwv6s.jpg" />    </item>
    <item>
        <title>92:  Psychic Suzy Cherub talks about channelling abundance</title>
        <itunes:title>92:  Psychic Suzy Cherub talks about channelling abundance</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/92-psychic-suzy-cherub-talks-about-channelling-abundance/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/92-psychic-suzy-cherub-talks-about-channelling-abundance/#comments</comments>        <pubDate>Tue, 13 Dec 2022 17:48:15 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/2d05a21e-2882-3ea5-b3b4-f7aa3f25feed</guid>
                                    <description><![CDATA[<p>Can you bring your abundance into your life?  And can you make money doing what brings you joy?  Suzy Cherub is an international award-winning psychic medium, published author, speaker and intuitive coach. She was awarded International Psychics Association Psychic of the Year 2014 (Australia.  Suzy is a successful businesswoman and real estate investor who left a highly paid-public service career to follow her calling. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Can you bring your abundance into your life?  And can you make money doing what brings you joy?  Suzy Cherub is an international award-winning psychic medium, published author, speaker and intuitive coach. She was awarded International Psychics Association Psychic of the Year 2014 (Australia.  Suzy is a successful businesswoman and real estate investor who left a highly paid-public service career to follow her calling. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/vqm89p/Suzy_Cheruba7xo8.mp3" length="43432492" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Can you bring your abundance into your life?  And can you make money doing what brings you joy?  Suzy Cherub is an international award-winning psychic medium, published author, speaker and intuitive coach. She was awarded International Psychics Association Psychic of the Year 2014 (Australia.  Suzy is a successful businesswoman and real estate investor who left a highly paid-public service career to follow her calling. ]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1905</itunes:duration>
                <itunes:episode>93</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Suzy_fairy_015_web_7u3mpx.jpg" />    </item>
    <item>
        <title>91:  Serina and her husband, Neil, talk about timeshare</title>
        <itunes:title>91:  Serina and her husband, Neil, talk about timeshare</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/91-serina-and-her-husband-neil-talk-about-timeshare/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/91-serina-and-her-husband-neil-talk-about-timeshare/#comments</comments>        <pubDate>Tue, 06 Dec 2022 20:58:40 +1100</pubDate>
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                                    <description><![CDATA[<p>Ever been cornered into a timeshare presentation? That was our experience on our September visit to Florida. Find out how it went, how it stacked up - and how we got out of it.  In this podcast, Serina chats with her husband, Neil, about their experience.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Ever been cornered into a timeshare presentation? That was our experience on our September visit to Florida. Find out how it went, how it stacked up - and how we got out of it.  In this podcast, Serina chats with her husband, Neil, about their experience.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/54iued/Time_Share84okz.mp3" length="43850985" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Ever been cornered into a timeshare presentation? That was our experience on our September visit to Florida. Find out how it went, how it stacked up - and how we got out of it.  In this podcast, Serina chats with her husband, Neil, about their experience.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2003</itunes:duration>
                <itunes:episode>92</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/318158545_554294086158306_312291814766764668_n_tpah9k.jpg" />    </item>
    <item>
        <title>90:  Steve McKnight shares his secrets for being a money magnet</title>
        <itunes:title>90:  Steve McKnight shares his secrets for being a money magnet</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/90-steve-mcknight-shares-his-secrets-for-being-a-money-magnet/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/90-steve-mcknight-shares-his-secrets-for-being-a-money-magnet/#comments</comments>        <pubDate>Sun, 27 Nov 2022 21:20:43 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/4e453512-e59e-349e-8e6c-15e7cdc3a2a7</guid>
                                    <description><![CDATA[<p>How can you attract real wealth into your life? In this podcast, Steve McKnight, author of the bestselling book From 0 to 130 Properties in 3.5 years, shares some insights from <a href='https://moneymagnet.au/'>his new book</a> - <a href='https://booktopia.kh4ffx.net/NKZOd2'>Money Magnet: How to Attract and Keep a Fortune that Counts</a>.  And he also shares some never-before-revealed secrets from his childhood as well.  </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>How can you attract real wealth into your life? In this podcast, Steve McKnight, author of the bestselling book From 0 to 130 Properties in 3.5 years, shares some insights from <a href='https://moneymagnet.au/'>his new book</a> - <a href='https://booktopia.kh4ffx.net/NKZOd2'>Money Magnet: How to Attract and Keep a Fortune that Counts</a>.  And he also shares some never-before-revealed secrets from his childhood as well.  </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/xzunsz/Steve_McNight_Podcast6p43m.mp3" length="54257702" type="audio/mpeg"/>
        <itunes:summary><![CDATA[How can you attract real wealth into your life? In this podcast, Steve McKnight, author of the bestselling book From 0 to 130 Properties in 3.5 years, shares some insights from his new book - Money Magnet: How to Attract and Keep a Fortune that Counts.  And he also shares some never-before-revealed secrets from his childhood as well.  ]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2804</itunes:duration>
                <itunes:episode>91</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Steve_McKnight_9vamny.jpg" />    </item>
    <item>
        <title>89:  Frugalista travel to the US to attend #fincon</title>
        <itunes:title>89:  Frugalista travel to the US to attend #fincon</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/89-frugalista-travel-to-the-us-to-attend-fincon/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/89-frugalista-travel-to-the-us-to-attend-fincon/#comments</comments>        <pubDate>Wed, 02 Nov 2022 14:23:28 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/88bee5d0-36ea-3ba5-9574-f6bda570a05d</guid>
                                    <description><![CDATA[<p>My husband, Neil, and I recently travelled to Orlando, Florida, to attend #fincon2022 (a conference for money content creators aka money nerds).  And we had a bit of a holiday. In this podcast, we talk about how we saved money on flights, accommodation, cars and sightseeing.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>My husband, Neil, and I recently travelled to Orlando, Florida, to attend #fincon2022 (a conference for money content creators aka money nerds).  And we had a bit of a holiday. In this podcast, we talk about how we saved money on flights, accommodation, cars and sightseeing.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/4zvqsv/FINCON_22bhush.mp3" length="54774999" type="audio/mpeg"/>
        <itunes:summary><![CDATA[My husband, Neil, and I recently travelled to Orlando, Florida, to attend #fincon2022 (a conference for money content creators aka money nerds).  And we had a bit of a holiday. In this podcast, we talk about how we saved money on flights, accommodation, cars and sightseeing.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2519</itunes:duration>
                <itunes:episode>90</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/313740376_1476729146158809_2327138924707434958_n_uvxh9j.jpg" />    </item>
    <item>
        <title>88:  Senior of the Year Val Dempsey talks about the value and importance of first aid</title>
        <itunes:title>88:  Senior of the Year Val Dempsey talks about the value and importance of first aid</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/88-senior-of-the-year-val-dempsey-talks-about-the-value-and-importance-of-first-aid/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/88-senior-of-the-year-val-dempsey-talks-about-the-value-and-importance-of-first-aid/#comments</comments>        <pubDate>Sun, 16 Oct 2022 21:36:17 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/64d25a9b-6652-3d6c-85a4-efdc16d7ebb4</guid>
                                    <description><![CDATA[<p>Val Dempsey is Senior Australian of the Year 2022.  She has spent over 50 years volunteering with St John Ambulance, including more recently during bushfires and floods.  In this podcast, she chats about going to London to represent Australia at the Queen's funeral, bumping into a world leader (literally), why everyone who drives should learn first aid, plus a fabulous frugalista tip that involves bling.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Val Dempsey is Senior Australian of the Year 2022.  She has spent over 50 years volunteering with St John Ambulance, including more recently during bushfires and floods.  In this podcast, she chats about going to London to represent Australia at the Queen's funeral, bumping into a world leader (literally), why everyone who drives should learn first aid, plus a fabulous frugalista tip that involves bling.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/znw4c4/Val_Dempsey_-_Senior_of_the_yeararz1r.mp3" length="47395215" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Val Dempsey is Senior Australian of the Year 2022.  She has spent over 50 years volunteering with St John Ambulance, including more recently during bushfires and floods.  In this podcast, she chats about going to London to represent Australia at the Queen's funeral, bumping into a world leader (literally), why everyone who drives should learn first aid, plus a fabulous frugalista tip that involves bling.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2523</itunes:duration>
                <itunes:episode>89</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/311123370_499609208501169_8180693612809620986_n_3xeerd.jpg" />    </item>
    <item>
        <title>87:  Prof le Coutre talks about the global problems of food security and food waste</title>
        <itunes:title>87:  Prof le Coutre talks about the global problems of food security and food waste</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/87-prof-le-coutre-talks-about-the-global-problems-of-food-security-and-food-waste/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/87-prof-le-coutre-talks-about-the-global-problems-of-food-security-and-food-waste/#comments</comments>        <pubDate>Mon, 03 Oct 2022 21:27:46 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/998a60bb-aa96-3e94-863a-ea8749394833</guid>
                                    <description><![CDATA[<p>Ever wondered if the problems of accessing things like lettuce are just an Australian problem or a global one?  And whether food prices will go up or down?  Or what about the facts facing food waste? In this podcast, Serina chats with Professor Johannes le Coutre, who is Professor Food & Health at UNSW.  His research is based on cellular agriculture to strengthen food security and alleviate the agricultural burden on the environment.  Professor le Coutre holds a PhD in biophysics and has an extensive and impressive CV that includes working in the US, Switzerland, England and Tokyo. Before joining UNSW, in addition to his research activities, he served as the Secretary-General for Nestlé’s Scientific Advisory board and as coordinator of the International Nutrition Symposium, an annual event featuring world-leading scientists debating critical topics in food and nutrition.</p>
<p> </p>
<p><a href='https://research.unsw.edu.au/people/professor-johannes-le-coutre'>Dr. Johannes le Coutre</a></p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Ever wondered if the problems of accessing things like lettuce are just an Australian problem or a global one?  And whether food prices will go up or down?  Or what about the facts facing food waste? In this podcast, Serina chats with Professor Johannes le Coutre, who is Professor Food & Health at UNSW.  His research is based on cellular agriculture to strengthen food security and alleviate the agricultural burden on the environment.  Professor le Coutre holds a PhD in biophysics and has an extensive and impressive CV that includes working in the US, Switzerland, England and Tokyo. Before joining UNSW, in addition to his research activities, he served as the Secretary-General for Nestlé’s Scientific Advisory board and as coordinator of the International Nutrition Symposium, an annual event featuring world-leading scientists debating critical topics in food and nutrition.</p>
<p> </p>
<p><a href='https://research.unsw.edu.au/people/professor-johannes-le-coutre'>Dr. Johannes le Coutre</a></p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/9uunef/Johannas_le_Coutre6nenu.mp3" length="41029814" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Ever wondered if the problems of accessing things like lettuce are just an Australian problem or a global one?  And whether food prices will go up or down?  Or what about the facts facing food waste? In this podcast, Serina chats with Professor Johannes le Coutre, who is Professor Food & Health at UNSW.  His research is based on cellular agriculture to strengthen food security and alleviate the agricultural burden on the environment.  Professor le Coutre holds a PhD in biophysics and has an extensive and impressive CV that includes working in the US, Switzerland, England and Tokyo. Before joining UNSW, in addition to his research activities, he served as the Secretary-General for Nestlé’s Scientific Advisory board and as coordinator of the International Nutrition Symposium, an annual event featuring world-leading scientists debating critical topics in food and nutrition.
 
Dr. Johannes le Coutre]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1970</itunes:duration>
                <itunes:episode>88</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Johannes_le_Coutre_small_tzdh5h.jpg" />    </item>
    <item>
        <title>86: Suzannah Galland talks relationships</title>
        <itunes:title>86: Suzannah Galland talks relationships</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/86-suzannah-galland-talks-relationships/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/86-suzannah-galland-talks-relationships/#comments</comments>        <pubDate>Sat, 24 Sep 2022 12:11:02 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/9c2f7858-4b45-36fa-aa6f-3d2a0519bdd7</guid>
                                    <description><![CDATA[<p>One of the biggest issues affecting our finances isn't our job or our investments - rather, it's our romantic relationships (or search for them). In this podcast, empath and internationally acclaimed life advisor Suzannah Galland talks about her experiences coaching clients to avoid scams and unhealthy relationships.  Suzannah leads her clients to achieve breakthroughs in all aspects of their lives.  Through conscious mindfulness, Suzannah guides others on their journey to happiness and fulfilment.  Suzannah has written for publications including Huffington Post, Harper’s Bazaar, Thrive Global and Medium.  She has been featured in Forbes, Vogue, New York Magazine, USA Today and is co-author of Goop’s The Sex Issue.  Suzannah has appeared on the Today Show and is a frequent guidance expert on America’s Next Top Model.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>One of the biggest issues affecting our finances isn't our job or our investments - rather, it's our romantic relationships (or search for them). In this podcast, empath and internationally acclaimed life advisor Suzannah Galland talks about her experiences coaching clients to avoid scams and unhealthy relationships.  Suzannah leads her clients to achieve breakthroughs in all aspects of their lives.  Through conscious mindfulness, Suzannah guides others on their journey to happiness and fulfilment.  Suzannah has written for publications including Huffington Post, Harper’s Bazaar, Thrive Global and Medium.  She has been featured in Forbes, Vogue, New York Magazine, USA Today and is co-author of Goop’s The Sex Issue.  Suzannah has appeared on the Today Show and is a frequent guidance expert on America’s Next Top Model.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/auzz9d/Suzannah_Galland9hrye.mp3" length="53204903" type="audio/mpeg"/>
        <itunes:summary><![CDATA[One of the biggest issues affecting our finances isn't our job or our investments - rather, it's our romantic relationships (or search for them). In this podcast, empath and internationally acclaimed life advisor Suzannah Galland talks about her experiences coaching clients to avoid scams and unhealthy relationships.  Suzannah leads her clients to achieve breakthroughs in all aspects of their lives.  Through conscious mindfulness, Suzannah guides others on their journey to happiness and fulfilment.  Suzannah has written for publications including Huffington Post, Harper’s Bazaar, Thrive Global and Medium.  She has been featured in Forbes, Vogue, New York Magazine, USA Today and is co-author of Goop’s The Sex Issue.  Suzannah has appeared on the Today Show and is a frequent guidance expert on America’s Next Top Model.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2634</itunes:duration>
                <itunes:episode>87</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Suzannah_Galland_Head_Shot_ifenk4.jpg" />    </item>
    <item>
        <title>85: Founders of the My First Nest Egg app talk about how they got their kids involved in housework</title>
        <itunes:title>85: Founders of the My First Nest Egg app talk about how they got their kids involved in housework</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/85-founders-of-the-my-first-nest-egg-app-talk-about-how-they-got-their-kids-involved-in-housework/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/85-founders-of-the-my-first-nest-egg-app-talk-about-how-they-got-their-kids-involved-in-housework/#comments</comments>        <pubDate>Sun, 11 Sep 2022 08:33:34 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/cb10ee71-1217-3a43-9b05-047131788869</guid>
                                    <description><![CDATA[<p>During COVID, friends Nicolle Hood and Annie Shoen felt that their (combined) seven children were beginning to act entitled. Specifically, they weren't doing much housework - and they thought their parents could buy virtually anything at the click of a button. Realising there was a bigger problem around financial literacy for children, the pair decided to create an app - My First Nest Egg. In this podcast, Nicolle and Annie discuss incentivising housework through gamification, teaching financial literacy and lean innovation.</p>
<p>This podcast was recorded live at #fincon22, and the sound quality is less than perfect. We apologise and hope you will still enjoy the messages.  </p>
<p>Love the sound of the My First Nest Egg app and want to use it? Use the promo code JOYFUL to use it for free.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>During COVID, friends Nicolle Hood and Annie Shoen felt that their (combined) seven children were beginning to act entitled. Specifically, they weren't doing much housework - and they thought their parents could buy virtually anything at the click of a button. Realising there was a bigger problem around financial literacy for children, the pair decided to create an app - My First Nest Egg. In this podcast, Nicolle and Annie discuss incentivising housework through gamification, teaching financial literacy and lean innovation.</p>
<p>This podcast was recorded live at #fincon22, and the sound quality is less than perfect. We apologise and hope you will still enjoy the messages.  </p>
<p>Love the sound of the My First Nest Egg app and want to use it? Use the promo code JOYFUL to use it for free.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/9x7geq/My_First_Nest_Egg_FINCON_229outl.mp3" length="28389177" type="audio/mpeg"/>
        <itunes:summary><![CDATA[During COVID, friends Nicolle Hood and Annie Shoen felt that their (combined) seven children were beginning to act entitled. Specifically, they weren't doing much housework - and they thought their parents could buy virtually anything at the click of a button. Realising there was a bigger problem around financial literacy for children, the pair decided to create an app - My First Nest Egg. In this podcast, Nicolle and Annie discuss incentivising housework through gamification, teaching financial literacy and lean innovation.
This podcast was recorded live at #fincon22, and the sound quality is less than perfect. We apologise and hope you will still enjoy the messages.  
Love the sound of the My First Nest Egg app and want to use it? Use the promo code JOYFUL to use it for free.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1702</itunes:duration>
                <itunes:episode>86</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/305858525_1802022953468240_2780307693622073305_n_ydq4hc.jpg" />    </item>
    <item>
        <title>84:  Laura Gariepy talks about earning money through freelance writing</title>
        <itunes:title>84:  Laura Gariepy talks about earning money through freelance writing</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/84-laura-gariepy-talks-about-earning-money-through-freelance-writing/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/84-laura-gariepy-talks-about-earning-money-through-freelance-writing/#comments</comments>        <pubDate>Thu, 08 Sep 2022 12:19:21 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/5be27042-b5c3-3aa6-bab1-5e5a3573a843</guid>
                                    <description><![CDATA[<p>Can you earn a solid income from freelance writing, including about personal finance?  You can, and that is the reality for Laura Gariepy, who began taking freelance writing seriously when she took a four-month sabbatical from work that ended up becoming permanent.  Laura is the founder and owner of Every Day by the Lake. In addition to being a freelance writer, she is also a writing coach.  This podcast was recorded during #fincon22, a conference for money nerds.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Can you earn a solid income from freelance writing, including about personal finance?  You can, and that is the reality for Laura Gariepy, who began taking freelance writing seriously when she took a four-month sabbatical from work that ended up becoming permanent.  Laura is the founder and owner of Every Day by the Lake. In addition to being a freelance writer, she is also a writing coach.  This podcast was recorded during #fincon22, a conference for money nerds.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/nipvey/Laura_FINCON22975ur.mp3" length="22829433" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Can you earn a solid income from freelance writing, including about personal finance?  You can, and that is the reality for Laura Gariepy, who began taking freelance writing seriously when she took a four-month sabbatical from work that ended up becoming permanent.  Laura is the founder and owner of Every Day by the Lake. In addition to being a freelance writer, she is also a writing coach.  This podcast was recorded during #fincon22, a conference for money nerds.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1365</itunes:duration>
                <itunes:episode>85</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/304980337_440148364587476_3159345982590975445_n_xgpcd2.jpg" />    </item>
    <item>
        <title>83.  Helen Baker talks about women, money and separation</title>
        <itunes:title>83.  Helen Baker talks about women, money and separation</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/83-helen-baker-talks-about-women-money-and-separation/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/83-helen-baker-talks-about-women-money-and-separation/#comments</comments>        <pubDate>Mon, 22 Aug 2022 19:18:02 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/672f08af-9a7d-3f75-b41b-ee3368b78544</guid>
                                    <description><![CDATA[<p>When a couple separates, they will often speak to a lawyer. But they are less likely to speak to a financial planner, despite the uncoupling having a profound effect on women and men. In this podcast, financial adviser Helen Baker talks about issues women must consider when building their wealth - and ensuring they rebuild after separation.</p>
<p>Helen is a qualified, practising and licensed financial adviser. She is the founder of On Your Own Two Feet, which empowers women to gain and retain their financial freedom. Helen is a finalist for Australia's Financial Adviser/Planner of the Year and a two-time finalist for Women's Community Program for the Year. She is the author of On Your Own Two Feet: Steady Steps to Women's Financial Independence and On Your Own Two Feet, Divorce: Your Survive and Thrive Financial Guide.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>When a couple separates, they will often speak to a lawyer. But they are less likely to speak to a financial planner, despite the uncoupling having a profound effect on women and men. In this podcast, financial adviser Helen Baker talks about issues women must consider when building their wealth - and ensuring they rebuild after separation.</p>
<p>Helen is a qualified, practising and licensed financial adviser. She is the founder of On Your Own Two Feet, which empowers women to gain and retain their financial freedom. Helen is a finalist for Australia's Financial Adviser/Planner of the Year and a two-time finalist for Women's Community Program for the Year. She is the author of On Your Own Two Feet: Steady Steps to Women's Financial Independence and On Your Own Two Feet, Divorce: Your Survive and Thrive Financial Guide.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/3vgevh/Helen_Baker7oob7.mp3" length="44801331" type="audio/mpeg"/>
        <itunes:summary><![CDATA[When a couple separates, they will often speak to a lawyer. But they are less likely to speak to a financial planner, despite the uncoupling having a profound effect on women and men. In this podcast, financial adviser Helen Baker talks about issues women must consider when building their wealth - and ensuring they rebuild after separation.
Helen is a qualified, practising and licensed financial adviser. She is the founder of On Your Own Two Feet, which empowers women to gain and retain their financial freedom. Helen is a finalist for Australia's Financial Adviser/Planner of the Year and a two-time finalist for Women's Community Program for the Year. She is the author of On Your Own Two Feet: Steady Steps to Women's Financial Independence and On Your Own Two Feet, Divorce: Your Survive and Thrive Financial Guide.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2217</itunes:duration>
                <itunes:episode>84</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Book_cover_full_vt5zsx.jpeg" />    </item>
    <item>
        <title>82:  Hannah Andrevski talks about how she is helping her local community</title>
        <itunes:title>82:  Hannah Andrevski talks about how she is helping her local community</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/82-hannah-andrevski-talks-about-how-she-is-helping-her-local-community/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/82-hannah-andrevski-talks-about-how-she-is-helping-her-local-community/#comments</comments>        <pubDate>Thu, 18 Aug 2022 19:53:49 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/578cb75e-d851-3033-b316-e1b8c241fb1f</guid>
                                    <description><![CDATA[<p>Inflation, inflation, inflation.  It's hurting many people, but it's hurting some more than others. In this podcast, Serina chats with Hannah Andrevski about the charity she founded, Roundabout Canberra, and how it is helping families who are doing it tough.</p>
<p>Hannah Andrevski is the founder and CEO of Roundabout Canberra. In 2018 Hannah was on maternity leave with a newborn and a toddler, and after struggling to find somewhere to pass on her pre-loved baby items, she decided to do something about it. Roundabout Canberra rehomes pre-loved baby and children's items to local families experiencing hardship. Four years on, they've helped approximately 5000 children with essential items such as cots, prams, car seats, clothing, linen, toys, school-related items and toiletries.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Inflation, inflation, inflation.  It's hurting many people, but it's hurting some more than others. In this podcast, Serina chats with Hannah Andrevski about the charity she founded, Roundabout Canberra, and how it is helping families who are doing it tough.</p>
<p>Hannah Andrevski is the founder and CEO of Roundabout Canberra. In 2018 Hannah was on maternity leave with a newborn and a toddler, and after struggling to find somewhere to pass on her pre-loved baby items, she decided to do something about it. Roundabout Canberra rehomes pre-loved baby and children's items to local families experiencing hardship. Four years on, they've helped approximately 5000 children with essential items such as cots, prams, car seats, clothing, linen, toys, school-related items and toiletries.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/tsixdr/Hanna_-_Roundabout_1_91on3.mp3" length="22933833" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Inflation, inflation, inflation.  It's hurting many people, but it's hurting some more than others. In this podcast, Serina chats with Hannah Andrevski about the charity she founded, Roundabout Canberra, and how it is helping families who are doing it tough.
Hannah Andrevski is the founder and CEO of Roundabout Canberra. In 2018 Hannah was on maternity leave with a newborn and a toddler, and after struggling to find somewhere to pass on her pre-loved baby items, she decided to do something about it. Roundabout Canberra rehomes pre-loved baby and children's items to local families experiencing hardship. Four years on, they've helped approximately 5000 children with essential items such as cots, prams, car seats, clothing, linen, toys, school-related items and toiletries.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1444</itunes:duration>
                <itunes:episode>83</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/123135013_10157373201126441_2237592675485705106_n_pkqbk6.jpeg" />    </item>
    <item>
        <title>81:  Lloyd Edge talks about real estate and why it’s his investment vehicle of choice</title>
        <itunes:title>81:  Lloyd Edge talks about real estate and why it’s his investment vehicle of choice</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/81-lloyd-edge-talks-about-real-estate-and-why-it-s-his-investment-vehicle-of-choice/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/81-lloyd-edge-talks-about-real-estate-and-why-it-s-his-investment-vehicle-of-choice/#comments</comments>        <pubDate>Sun, 07 Aug 2022 13:19:29 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/e99e4e42-5c40-3d7f-8ea0-a5350ab2a0fb</guid>
                                    <description><![CDATA[<p>Ever thought about investing in real estate but think you may have left your run too late?  In this podcast, Serina chats with property investor and buyer's agent Lloyd Edge, who shares tips about getting started, forecasts for the market (and interest rates) and the importance of research.</p>
<p>Lloyd started his professional life as a struggling muso.  Through investing in property, he went from being a school music teacher to building a real estate portfolio - including achieving his dream of owning a home on the water. He is the Director and Founder of Aus Property Professionals and is a buyer’s agent, property strategist, and author of the best-selling book Positively Geared. His new book, Buy Now, is the ultimate guide to owning and investing in property. Lloyd was a finalist in the 2021 Real Estate Business Awards for Buyer’s Agent of the Year, and Aus Property Professionals was awarded Property Strategist of the Year for 2022 by APAC, Australian Enterprise Awards.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Ever thought about investing in real estate but think you may have left your run too late?  In this podcast, Serina chats with property investor and buyer's agent Lloyd Edge, who shares tips about getting started, forecasts for the market (and interest rates) and the importance of research.</p>
<p>Lloyd started his professional life as a struggling muso.  Through investing in property, he went from being a school music teacher to building a real estate portfolio - including achieving his dream of owning a home on the water. He is the Director and Founder of Aus Property Professionals and is a buyer’s agent, property strategist, and author of the best-selling book Positively Geared. His new book, Buy Now, is the ultimate guide to owning and investing in property. Lloyd was a finalist in the 2021 Real Estate Business Awards for Buyer’s Agent of the Year, and Aus Property Professionals was awarded Property Strategist of the Year for 2022 by APAC, Australian Enterprise Awards.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/e2x3re/Lloyd.mp3" length="49704173" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Ever thought about investing in real estate but think you may have left your run too late?  In this podcast, Serina chats with property investor and buyer's agent Lloyd Edge, who shares tips about getting started, forecasts for the market (and interest rates) and the importance of research.
Lloyd started his professional life as a struggling muso.  Through investing in property, he went from being a school music teacher to building a real estate portfolio - including achieving his dream of owning a home on the water. He is the Director and Founder of Aus Property Professionals and is a buyer’s agent, property strategist, and author of the best-selling book Positively Geared. His new book, Buy Now, is the ultimate guide to owning and investing in property. Lloyd was a finalist in the 2021 Real Estate Business Awards for Buyer’s Agent of the Year, and Aus Property Professionals was awarded Property Strategist of the Year for 2022 by APAC, Australian Enterprise Awards.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2567</itunes:duration>
                <itunes:episode>82</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/019_Ubora_photography_bpx27q.jpg" />    </item>
    <item>
        <title>80:  Emily Guy Burken talks about making finances fun</title>
        <itunes:title>80:  Emily Guy Burken talks about making finances fun</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/80-emily-guy-burken-talks-about-making-finances-fun/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/80-emily-guy-burken-talks-about-making-finances-fun/#comments</comments>        <pubDate>Wed, 06 Jul 2022 14:59:34 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/3e8762a3-5219-34c3-83fb-b01129862419</guid>
                                    <description><![CDATA[<p>Often, we associate money with needing to be serious or sensible - and often feeling stressed.  But it doesn't have to be that way. In this podcast, Serina chats with author and Plutus award-winning freelance writer Emily Guy Birken.  Emily has worn lots of hats throughout her career: temporary tattoo artist, bookseller, Americorps volunteer and teacher. And she’s also a huge money nerd, who manages to sneak toilet humour into her writing.  Emily's work has appeared in HuffPo, Business Insider, Kiplinger’s Personal Finance, MSN Money, and The Washington Post.  Her books include The 5 years before you retire, Choose Your Retirement and the newly released Stacked: Your Super Serious Guide to Modern Money Management, which she co-wrote with Joe Saul-Sehy.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Often, we associate money with needing to be serious or sensible - and often feeling stressed.  But it doesn't have to be that way. In this podcast, Serina chats with author and Plutus award-winning freelance writer Emily Guy Birken.  Emily has worn lots of hats throughout her career: temporary tattoo artist, bookseller, Americorps volunteer and teacher. And she’s also a huge money nerd, who manages to sneak toilet humour into her writing.  Emily's work has appeared in HuffPo, Business Insider, Kiplinger’s Personal Finance, MSN Money, and The Washington Post.  Her books include <em>The 5 years before you retire</em>, <em>Choose Your Retirement </em>and the newly released <em>Stacked: Your Super Serious Guide to Modern Money Management</em>, which she co-wrote with Joe Saul-Sehy.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/d8gv2a/Emily_Guy-Berkinatt6i.mp3" length="38869446" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Often, we associate money with needing to be serious or sensible - and often feeling stressed.  But it doesn't have to be that way. In this podcast, Serina chats with author and Plutus award-winning freelance writer Emily Guy Birken.  Emily has worn lots of hats throughout her career: temporary tattoo artist, bookseller, Americorps volunteer and teacher. And she’s also a huge money nerd, who manages to sneak toilet humour into her writing.  Emily's work has appeared in HuffPo, Business Insider, Kiplinger’s Personal Finance, MSN Money, and The Washington Post.  Her books include The 5 years before you retire, Choose Your Retirement and the newly released Stacked: Your Super Serious Guide to Modern Money Management, which she co-wrote with Joe Saul-Sehy.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2006</itunes:duration>
                <itunes:episode>81</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/emily_birken_6ur4s9.jpg" />    </item>
    <item>
        <title>79:  Ilea Buffier shares how she reached financial independence before leaving high school</title>
        <itunes:title>79:  Ilea Buffier shares how she reached financial independence before leaving high school</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/79-ilea-buffier-shares-how-she-reached-financial-independence-before-leaving-high-school/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/79-ilea-buffier-shares-how-she-reached-financial-independence-before-leaving-high-school/#comments</comments>        <pubDate>Mon, 30 May 2022 20:55:51 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/e3a80b3c-4415-303e-9c25-1239536e28bd</guid>
                                    <description><![CDATA[<p>Imagine what it would be like to graduate from high school knowing that you never needed to find a job? That was the reality for sustainability entrepreneur Ilea Buffier, who graduated from high school with a property portfolio that made her financially independent.  But that's only the beginning of her story: Ilea has gone on to become a successful business owner and entrepreneur, working to promote sustainability through two business endeavours. </p>
<p>Ilea is the founder of Evalue8 Sustainability, an enviro tech company with the mission of making it easy for all organisations to measure and reduce their carbon footprint.  She is a Climate Active registered consultant and has been involved in the carbon accounting industry since 2005. She is also the owner of Ninetwofive Interiors, which is a dealer for Steelcase, the world’s largest commercial furniture manufacturer.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Imagine what it would be like to graduate from high school knowing that you never needed to find a job? That was the reality for sustainability entrepreneur Ilea Buffier, who graduated from high school with a property portfolio that made her financially independent.  But that's only the beginning of her story: Ilea has gone on to become a successful business owner and entrepreneur, working to promote sustainability through two business endeavours. </p>
<p>Ilea is the founder of Evalue8 Sustainability, an enviro tech company with the mission of making it easy for all organisations to measure and reduce their carbon footprint.  She is a Climate Active registered consultant and has been involved in the carbon accounting industry since 2005. She is also the owner of Ninetwofive Interiors, which is a dealer for Steelcase, the world’s largest commercial furniture manufacturer.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/a2iq2d/ILEA.mp3" length="33926559" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Imagine what it would be like to graduate from high school knowing that you never needed to find a job? That was the reality for sustainability entrepreneur Ilea Buffier, who graduated from high school with a property portfolio that made her financially independent.  But that's only the beginning of her story: Ilea has gone on to become a successful business owner and entrepreneur, working to promote sustainability through two business endeavours. 
Ilea is the founder of Evalue8 Sustainability, an enviro tech company with the mission of making it easy for all organisations to measure and reduce their carbon footprint.  She is a Climate Active registered consultant and has been involved in the carbon accounting industry since 2005. She is also the owner of Ninetwofive Interiors, which is a dealer for Steelcase, the world’s largest commercial furniture manufacturer.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1683</itunes:duration>
                <itunes:episode>80</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Ilea_small_ndep2a.png" />    </item>
    <item>
        <title>78:Money with Jess Irvine</title>
        <itunes:title>78:Money with Jess Irvine</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/78money-with-jess-irvine/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/78money-with-jess-irvine/#comments</comments>        <pubDate>Wed, 11 May 2022 12:57:40 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/68d6138f-14ea-3ef2-b851-d6ae2f87786d</guid>
                                    <description><![CDATA[<p>Jessica Irvine is a senior economics writer with The Sydney Morning Herald and The Age. For the past few years, she has been on a one-woman mission to budget, save and invest. In this podcast, she chats with Serina about her new book, Money with Jess:  Your Ultimate Guide to Household Budgeting.  If you think you need a budget, but worry that budgeting is hard (or boring), this is a podcast for you.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Jessica Irvine is a senior economics writer with The Sydney Morning Herald and The Age. For the past few years, she has been on a one-woman mission to budget, save and invest. In this podcast, she chats with Serina about her new book, <em>Money with Jess:  Your Ultimate Guide to Household Budgeting</em>.  If you think you need a budget, but worry that budgeting is hard (or boring), this is a podcast for you.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/ivfzzj/Jess_Irvine8lbsc.mp3" length="42598160" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Jessica Irvine is a senior economics writer with The Sydney Morning Herald and The Age. For the past few years, she has been on a one-woman mission to budget, save and invest. In this podcast, she chats with Serina about her new book, Money with Jess:  Your Ultimate Guide to Household Budgeting.  If you think you need a budget, but worry that budgeting is hard (or boring), this is a podcast for you.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2091</itunes:duration>
                <itunes:episode>79</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Jess_Irvine_y63ymn.jpg" />    </item>
    <item>
        <title>77:  Dr Kailas Roberts talks about dementia</title>
        <itunes:title>77:  Dr Kailas Roberts talks about dementia</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/dr-kailas-roberts-talks-about-dementia/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/dr-kailas-roberts-talks-about-dementia/#comments</comments>        <pubDate>Mon, 25 Apr 2022 20:40:24 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/ce2abaf1-e7a2-3c3a-bf42-1b120e010b6f</guid>
                                    <description><![CDATA[<p>One of the key risks to our financial health is our mental and physical health - and that of our spouse, parents or other family members.  And something that many families face is a diagnosis of dementia. In this podcast, Serina chats with Dr Kailas Roberts, a psychiatrist with a particular interest in brain health and dementia. Kai is author of Mind Your Brain, The Essential Australian Guide to Dementia.  He is also the creator of an iOS app, BrainScan, which helps users optimise their brain function and reduce their risk of dementia.  Kai has worked a doctor for over twenty years and currently runs a busy private practice in Brisbane, Australia, which includes Your Brain in Mind, a clinic dedicated to the assessment and treatment of cognitive difficulties.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>One of the key risks to our financial health is our mental and physical health - and that of our spouse, parents or other family members.  And something that many families face is a diagnosis of dementia. In this podcast, Serina chats with Dr Kailas Roberts, a psychiatrist with a particular interest in brain health and dementia. Kai is author of Mind Your Brain, The Essential Australian Guide to Dementia.  He is also the creator of an iOS app, BrainScan, which helps users optimise their brain function and reduce their risk of dementia.  Kai has worked a doctor for over twenty years and currently runs a busy private practice in Brisbane, Australia, which includes Your Brain in Mind, a clinic dedicated to the assessment and treatment of cognitive difficulties.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/i853ck/Dr_Kai7ptk7.mp3" length="44151963" type="audio/mpeg"/>
        <itunes:summary><![CDATA[One of the key risks to our financial health is our mental and physical health - and that of our spouse, parents or other family members.  And something that many families face is a diagnosis of dementia. In this podcast, Serina chats with Dr Kailas Roberts, a psychiatrist with a particular interest in brain health and dementia. Kai is author of Mind Your Brain, The Essential Australian Guide to Dementia.  He is also the creator of an iOS app, BrainScan, which helps users optimise their brain function and reduce their risk of dementia.  Kai has worked a doctor for over twenty years and currently runs a busy private practice in Brisbane, Australia, which includes Your Brain in Mind, a clinic dedicated to the assessment and treatment of cognitive difficulties.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2036</itunes:duration>
                <itunes:episode>78</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Kai_Roberts_6h46aq.jpg" />    </item>
    <item>
        <title>76: Luke Harris talks property</title>
        <itunes:title>76: Luke Harris talks property</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/76-luke-harris-talks-property/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/76-luke-harris-talks-property/#comments</comments>        <pubDate>Fri, 15 Apr 2022 21:57:11 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/8bc56948-81c7-3248-898e-e6306e6b272a</guid>
                                    <description><![CDATA[<p>Luke Harris from The Property Mentors has invested in property for over twenty years. Luke is author of Let's Get Real and Property Fit, and in this podcast he shares insights for how to break into the property market - the right way.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Luke Harris from The Property Mentors has invested in property for over twenty years. Luke is author of Let's Get Real and Property Fit, and in this podcast he shares insights for how to break into the property market - the right way.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/stupim/Luke.mp3" length="41055521" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Luke Harris from The Property Mentors has invested in property for over twenty years. Luke is author of Let's Get Real and Property Fit, and in this podcast he shares insights for how to break into the property market - the right way.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1934</itunes:duration>
                <itunes:episode>77</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/IMG_5615_-_Edited2_huueh7.jpg" />    </item>
    <item>
        <title>75:  Walli Miller talks about spending with purpose</title>
        <itunes:title>75:  Walli Miller talks about spending with purpose</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/75-walli-miller-talks-about-spending-with-purpose/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/75-walli-miller-talks-about-spending-with-purpose/#comments</comments>        <pubDate>Sun, 10 Apr 2022 20:52:34 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/e23e5576-b771-354d-9877-a23052138ef3</guid>
                                    <description><![CDATA[<p>Walli Miller is a financial coach who helps high-achieving, young professionals become work-optional by taking control of their finances without sacrificing their lattes and brunches.  Walli teaches people how to trim the FATT - Food, Accommodation, Travel and Taxes - to gain financial freedom.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Walli Miller is a financial coach who helps high-achieving, young professionals become work-optional by taking control of their finances without sacrificing their lattes and brunches.  Walli teaches people how to trim the FATT - Food, Accommodation, Travel and Taxes - to gain financial freedom.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/8s69wv/Walli.mp3" length="44418065" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Walli Miller is a financial coach who helps high-achieving, young professionals become work-optional by taking control of their finances without sacrificing their lattes and brunches.  Walli teaches people how to trim the FATT - Food, Accommodation, Travel and Taxes - to gain financial freedom.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2114</itunes:duration>
                <itunes:episode>76</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/WalliHeadshot_882iwx.jpg" />    </item>
    <item>
        <title>74:  Julian Fayad talks about good and bad debt</title>
        <itunes:title>74:  Julian Fayad talks about good and bad debt</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/74-julian-faed-talks-about-good-and-bad-debt/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/74-julian-faed-talks-about-good-and-bad-debt/#comments</comments>        <pubDate>Sun, 06 Mar 2022 15:43:49 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/fd890f55-5459-35f4-bfb6-c5d32ecd656d</guid>
                                    <description><![CDATA[<p>Is all debt bad?  Can some debt be used for building wealth?  Julian Fayad is founder of several fintech businesses, including LoanOptions.AI.  In this podcast he talks about debt, the saving, and why it's good to start a side-hustle.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Is all debt bad?  Can some debt be used for building wealth?  Julian Fayad is founder of several fintech businesses, including LoanOptions.AI.  In this podcast he talks about debt, the saving, and why it's good to start a side-hustle.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/qbg8h7/Julian_Faedag7dj.mp3" length="43498841" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Is all debt bad?  Can some debt be used for building wealth?  Julian Fayad is founder of several fintech businesses, including LoanOptions.AI.  In this podcast he talks about debt, the saving, and why it's good to start a side-hustle.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2041</itunes:duration>
                <itunes:episode>75</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Profile_Photo_92ux9y.jpg" />    </item>
    <item>
        <title>73:  Leilani bin Juda talks about financial mentoring of other Indigenous women</title>
        <itunes:title>73:  Leilani bin Juda talks about financial mentoring of other Indigenous women</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/73-leilani-bin-juda-talks-about-financial-mentoring-of-other-indigenous-women/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/73-leilani-bin-juda-talks-about-financial-mentoring-of-other-indigenous-women/#comments</comments>        <pubDate>Sat, 12 Feb 2022 21:08:26 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/5b2b7f7c-40c1-3a57-9435-bf336014b674</guid>
                                    <description><![CDATA[<p>Leilani Bin-Juda PSM served as CEO of the Torres Strait Regional Authority until January 2022. She was the first Indigenous woman to have served in this role.  She is a proud Torres Strait Islander, with ties to Hammond, Darnley and Murray Islands.  Leilani has had a long diplomatic career, that has included postings to Papua New Guinea, Shanghai in China, the Solomon Islands and the Treaty Liaison Office on Thursday Island.  Passionate about Indigenous diplomacy, she spearheaded courses on the subject at the Australian National University.  In 2019, she was awarded a Public Service Medical for promoting the inclusion of Indigenous heritage in Australia’s cultural and foreign policies. She also received a Churchill Fellowship in 2000 to investigate Indigenous peoples involvement in museum development.</p>
<p>In this podcast, Leilani chats with Serina about her role in mentoring Indigenous women on personal finance, and the importance of saving and investing.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Leilani Bin-Juda PSM served as CEO of the Torres Strait Regional Authority until January 2022. She was the first Indigenous woman to have served in this role.  She is a proud Torres Strait Islander, with ties to Hammond, Darnley and Murray Islands.  Leilani has had a long diplomatic career, that has included postings to Papua New Guinea, Shanghai in China, the Solomon Islands and the Treaty Liaison Office on Thursday Island.  Passionate about Indigenous diplomacy, she spearheaded courses on the subject at the Australian National University.  In 2019, she was awarded a Public Service Medical for promoting the inclusion of Indigenous heritage in Australia’s cultural and foreign policies. She also received a Churchill Fellowship in 2000 to investigate Indigenous peoples involvement in museum development.</p>
<p>In this podcast, Leilani chats with Serina about her role in mentoring Indigenous women on personal finance, and the importance of saving and investing.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/evt4ft/lialani.mp3" length="33840689" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Leilani Bin-Juda PSM served as CEO of the Torres Strait Regional Authority until January 2022. She was the first Indigenous woman to have served in this role.  She is a proud Torres Strait Islander, with ties to Hammond, Darnley and Murray Islands.  Leilani has had a long diplomatic career, that has included postings to Papua New Guinea, Shanghai in China, the Solomon Islands and the Treaty Liaison Office on Thursday Island.  Passionate about Indigenous diplomacy, she spearheaded courses on the subject at the Australian National University.  In 2019, she was awarded a Public Service Medical for promoting the inclusion of Indigenous heritage in Australia’s cultural and foreign policies. She also received a Churchill Fellowship in 2000 to investigate Indigenous peoples involvement in museum development.
In this podcast, Leilani chats with Serina about her role in mentoring Indigenous women on personal finance, and the importance of saving and investing.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1799</itunes:duration>
                <itunes:episode>74</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/273489376_1573133126382693_9169919468313666204_n_xa52rg.jpg" />    </item>
    <item>
        <title>72: The Joyful Frugalista is interviewed by her husband</title>
        <itunes:title>72: The Joyful Frugalista is interviewed by her husband</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/72-the-joyful-frugalista-is-interviewed-by-her-husband/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/72-the-joyful-frugalista-is-interviewed-by-her-husband/#comments</comments>        <pubDate>Thu, 27 Jan 2022 18:23:10 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/31068a94-016e-3223-bf5e-a5232c3e1241</guid>
                                    <description><![CDATA[<p>Hello frugalistas, and welcome! In this podcast The Joyful Frugalista (aka Serina) is interviewed by her cheeky husband, Neil. Hear from Serina about what she and her family have planned for 2022!</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Hello frugalistas, and welcome! In this podcast The Joyful Frugalista (aka Serina) is interviewed by her cheeky husband, Neil. Hear from Serina about what she and her family have planned for 2022!</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/wj549b/Neil_Serina_2022_Special7e9f7.mp3" length="29322619" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Hello frugalistas, and welcome! In this podcast The Joyful Frugalista (aka Serina) is interviewed by her cheeky husband, Neil. Hear from Serina about what she and her family have planned for 2022!]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1473</itunes:duration>
                <itunes:episode>73</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Serina_small6n078.jpg" />    </item>
    <item>
        <title>71:  Myra Oliver talks about frugal living and building wealth through property</title>
        <itunes:title>71:  Myra Oliver talks about frugal living and building wealth through property</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/71-myra-oliver-talks-about-frugal-living-and-building-wealth-through-property/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/71-myra-oliver-talks-about-frugal-living-and-building-wealth-through-property/#comments</comments>        <pubDate>Sat, 22 Jan 2022 18:10:12 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/5a0b6753-55d3-3cd5-8d94-c7f33efa7b6d</guid>
                                    <description><![CDATA[<p>Nothing is impossible when it comes to building wealth.  Myra Oliver is a Kentucky girl who, at age 22, decided she wanted freedom from debt and consumerism.  She went from being a hairstylist to becoming a self-made millionaire in her thirties.  Passionate about real estate investment and frugal living, Myra shares in this podcast how true wealth isn't the car you drive or what you wear.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Nothing is impossible when it comes to building wealth.  Myra Oliver is a Kentucky girl who, at age 22, decided she wanted freedom from debt and consumerism.  She went from being a hairstylist to becoming a self-made millionaire in her thirties.  Passionate about real estate investment and frugal living, Myra shares in this podcast how true wealth isn't the car you drive or what you wear.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/78t7wh/Myra.mp3" length="41185327" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Nothing is impossible when it comes to building wealth.  Myra Oliver is a Kentucky girl who, at age 22, decided she wanted freedom from debt and consumerism.  She went from being a hairstylist to becoming a self-made millionaire in her thirties.  Passionate about real estate investment and frugal living, Myra shares in this podcast how true wealth isn't the car you drive or what you wear.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1970</itunes:duration>
                <itunes:episode>72</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/myra_texas_sb5u3p.jpg" />    </item>
    <item>
        <title>70:  James Whittaker talks about the power of goals</title>
        <itunes:title>70:  James Whittaker talks about the power of goals</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/70-james-whittaker-talks-about-the-power-of-goals/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/70-james-whittaker-talks-about-the-power-of-goals/#comments</comments>        <pubDate>Sat, 08 Jan 2022 18:10:16 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/7aed4f34-0010-39c8-be37-c7f72af7aa97</guid>
                                    <description><![CDATA[<p>James Whittaker is the best-selling author of three books (The Beginner'$ Guide to Wealth, Think and Grow Rich: The Legacy and Andrew Carnegie's Mental Dynamite), host of the Win the Day Podcast, public speaker, business coach and co-executive producer of the film Think and Grow Rich: The Legacy.  In this podcast, he talks with Serina about the power of desire and commitment to achieving your goals.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>James Whittaker is the best-selling author of three books (The Beginner'$ Guide to Wealth, Think and Grow Rich: The Legacy and Andrew Carnegie's Mental Dynamite), host of the Win the Day Podcast, public speaker, business coach and co-executive producer of the film Think and Grow Rich: The Legacy.  In this podcast, he talks with Serina about the power of desire and commitment to achieving your goals.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/mcfdwz/James_Whittakera5wjj.mp3" length="38451303" type="audio/mpeg"/>
        <itunes:summary><![CDATA[James Whittaker is the best-selling author of three books (The Beginner'$ Guide to Wealth, Think and Grow Rich: The Legacy and Andrew Carnegie's Mental Dynamite), host of the Win the Day Podcast, public speaker, business coach and co-executive producer of the film Think and Grow Rich: The Legacy.  In this podcast, he talks with Serina about the power of desire and commitment to achieving your goals.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1745</itunes:duration>
                <itunes:episode>71</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/James_Whittaker_5_uvvkh4.jpg" />    </item>
    <item>
        <title>69:  Jeremy Thorpe, Chief Economist at PwC, discusses the value of the Help Economy</title>
        <itunes:title>69:  Jeremy Thorpe, Chief Economist at PwC, discusses the value of the Help Economy</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/69-jeremy-thorpe-chief-economist-at-pwc-discusses-the-value-of-the-help-economy/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/69-jeremy-thorpe-chief-economist-at-pwc-discusses-the-value-of-the-help-economy/#comments</comments>        <pubDate>Wed, 15 Dec 2021 20:36:51 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/29736485-725d-3657-bed0-f63416e7ebb5</guid>
                                    <description><![CDATA[<p>What does abundance mean to you? Is it money in the bank? Increasingly - and especially during recent crises - people are realising that abundance is much deeper. In the podcast, Serina chats with Chief Economist PwC Australia, Jeremy Thorpe, about the value of the Help Economy - a project launched by NRMA Insurance to track and value acts of everyday help in Australia.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>What does abundance mean to you? Is it money in the bank? Increasingly - and especially during recent crises - people are realising that abundance is much deeper. In the podcast, Serina chats with Chief Economist PwC Australia, Jeremy Thorpe, about the value of the Help Economy - a project launched by NRMA Insurance to track and value acts of everyday help in Australia.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/wfuymu/Jeremy_Thorpe6t531.mp3" length="29723104" type="audio/mpeg"/>
        <itunes:summary><![CDATA[What does abundance mean to you? Is it money in the bank? Increasingly - and especially during recent crises - people are realising that abundance is much deeper. In the podcast, Serina chats with Chief Economist PwC Australia, Jeremy Thorpe, about the value of the Help Economy - a project launched by NRMA Insurance to track and value acts of everyday help in Australia.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1671</itunes:duration>
                <itunes:episode>70</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Jeremy_Thorpe_mkxtcf.jpg" />    </item>
    <item>
        <title>68: Gina Kingston talks about style and disability</title>
        <itunes:title>68: Gina Kingston talks about style and disability</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/68-gina-kingston-talks-about-style-and-disability/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/68-gina-kingston-talks-about-style-and-disability/#comments</comments>        <pubDate>Wed, 01 Dec 2021 14:21:39 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/2c771bd8-778b-31f4-a78c-b708a6575187</guid>
                                    <description><![CDATA[<p>Fashion and disability don't usually go togehter, but Gina Kingston is on a mission to change that.  Ahead of the International Day of Disabled Persons on 3 December, Gina shares how her experiences with her mother shaped her interest in ensuring that fashion is more inclusive.</p>
<p>Gina is a scientist, outdoor enthusiast and a personal stylist who specialises in people with health issues. Her mum had a Parkinson’s plus disorder and had limited mobility, but she still wanted to look stylish. Gina now helps other people with health issues to look and feel good in less time and with less effort so they can spend more time enjoying life.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Fashion and disability don't usually go togehter, but Gina Kingston is on a mission to change that.  Ahead of the International Day of Disabled Persons on 3 December, Gina shares how her experiences with her mother shaped her interest in ensuring that fashion is more inclusive.</p>
<p>Gina is a scientist, outdoor enthusiast and a personal stylist who specialises in people with health issues. Her mum had a Parkinson’s plus disorder and had limited mobility, but she still wanted to look stylish. Gina now helps other people with health issues to look and feel good in less time and with less effort so they can spend more time enjoying life.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/qembq9/Gina_Kingston74vr8.mp3" length="33544069" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Fashion and disability don't usually go togehter, but Gina Kingston is on a mission to change that.  Ahead of the International Day of Disabled Persons on 3 December, Gina shares how her experiences with her mother shaped her interest in ensuring that fashion is more inclusive.
Gina is a scientist, outdoor enthusiast and a personal stylist who specialises in people with health issues. Her mum had a Parkinson’s plus disorder and had limited mobility, but she still wanted to look stylish. Gina now helps other people with health issues to look and feel good in less time and with less effort so they can spend more time enjoying life.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1660</itunes:duration>
                <itunes:episode>69</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/C7F1F27D-93B9-4C71-87B6-F991A2B7E769_9gyesm.png" />    </item>
    <item>
        <title>67:  Noel Whittaker talks about retirement, investing and making money</title>
        <itunes:title>67:  Noel Whittaker talks about retirement, investing and making money</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/67-noel-whittaker-talks-about-retirement-investing-and-making-money/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/67-noel-whittaker-talks-about-retirement-investing-and-making-money/#comments</comments>        <pubDate>Sat, 27 Nov 2021 13:31:43 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/7b1826a5-da56-3153-83bc-6bf8f0eb25b8</guid>
                                    <description><![CDATA[<p>Noel Whittaker chats about his new book - Retirement Made Simple.</p>
<p>Noel is one of Australia’s most successful authors, with 23 bestselling books having achieved worldwide sales of more than two million copies.  Making Money Made Simple set Australian sales records and was named in the 100 Most Influential Books of the Twentieth Century. Today we are going to talk about his new book Retirement Made Simple, which is unsurprisingly also a bestseller.</p>
<p>For 30 years, Noel was a Director of Whittaker Macnaught, one of Australia’s leading financial advisory companies, with more than two billion dollars under management.</p>
<p>In 2011 Noel was made a Member of the Order of Australia for service to the community in raising awareness of personal finance.</p>
<p>Noel is a Chartered Tax Adviser, a member of the Australian Securities and Investment Commission Regional Liaison committee, and also an Executive in Residence and Adjunct Professor with the Faculty of Business at the Queensland University of Technology</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Noel Whittaker chats about his new book - Retirement Made Simple.</p>
<p>Noel is one of Australia’s most successful authors, with 23 bestselling books having achieved worldwide sales of more than two million copies.  <em>Making Money Made Simple</em> set Australian sales records and was named in the 100 Most Influential Books of the Twentieth Century. Today we are going to talk about his new book <em>Retirement Made Simple</em>, which is unsurprisingly also a bestseller.</p>
<p>For 30 years, Noel was a Director of Whittaker Macnaught, one of Australia’s leading financial advisory companies, with more than two billion dollars under management.</p>
<p>In 2011 Noel was made a Member of the Order of Australia for service to the community in raising awareness of personal finance.</p>
<p>Noel is a Chartered Tax Adviser, a member of the Australian Securities and Investment Commission Regional Liaison committee, and also an Executive in Residence and Adjunct Professor with the Faculty of Business at the Queensland University of Technology</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/q96npt/Noel_Whittakerb95pf.mp3" length="41311418" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Noel Whittaker chats about his new book - Retirement Made Simple.
Noel is one of Australia’s most successful authors, with 23 bestselling books having achieved worldwide sales of more than two million copies.  Making Money Made Simple set Australian sales records and was named in the 100 Most Influential Books of the Twentieth Century. Today we are going to talk about his new book Retirement Made Simple, which is unsurprisingly also a bestseller.
For 30 years, Noel was a Director of Whittaker Macnaught, one of Australia’s leading financial advisory companies, with more than two billion dollars under management.
In 2011 Noel was made a Member of the Order of Australia for service to the community in raising awareness of personal finance.
Noel is a Chartered Tax Adviser, a member of the Australian Securities and Investment Commission Regional Liaison committee, and also an Executive in Residence and Adjunct Professor with the Faculty of Business at the Queensland University of Technology]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2038</itunes:duration>
                <itunes:episode>68</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Neil_Whittaker_book_2_4ewca8.jpg" />    </item>
    <item>
        <title>66:  Lalita Lowe talks about sustainable fashion</title>
        <itunes:title>66:  Lalita Lowe talks about sustainable fashion</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/66-lolita-lowe-talks-about-sustainable-fashion/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/66-lolita-lowe-talks-about-sustainable-fashion/#comments</comments>        <pubDate>Sat, 06 Nov 2021 15:32:51 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/044f2f55-8a81-3983-a52b-9bbb97b953ee</guid>
                                    <description><![CDATA[<p>When we buy an item of clothes in the shops, what is its true impact?  Even when clothing claims to be environmentally friendly, how do you know that it really is?  </p>
<p>Lalita Lowe is author of It’s Time to Rethink your Fashion. She is a personal fashion curator who works with women to help them make conscious fashion choices. Trained as a fashion designer in Melbourne and Paris, Lalita has worked in the fashion industry in New York , Paris and Australia. She is a certified fashion stylist and has served on the advisory board of one of Australia’s top fashion schools.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>When we buy an item of clothes in the shops, what is its true impact?  Even when clothing claims to be environmentally friendly, how do you know that it really is?  </p>
<p>Lalita Lowe is author of <em>It’s Time to Rethink your Fashion</em>. She is a personal fashion curator who works with women to help them make conscious fashion choices. Trained as a fashion designer in Melbourne and Paris, Lalita has worked in the fashion industry in New York , Paris and Australia. She is a certified fashion stylist and has served on the advisory board of one of Australia’s top fashion schools.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/ghqn2n/Lalita_Lowe7662i.mp3" length="38784137" type="audio/mpeg"/>
        <itunes:summary><![CDATA[When we buy an item of clothes in the shops, what is its true impact?  Even when clothing claims to be environmentally friendly, how do you know that it really is?  
Lalita Lowe is author of It’s Time to Rethink your Fashion. She is a personal fashion curator who works with women to help them make conscious fashion choices. Trained as a fashion designer in Melbourne and Paris, Lalita has worked in the fashion industry in New York , Paris and Australia. She is a certified fashion stylist and has served on the advisory board of one of Australia’s top fashion schools.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1864</itunes:duration>
                <itunes:episode>67</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Lolita_very_small_4hw2yi.png" />    </item>
    <item>
        <title>65:  Roxanne Calder shares how to be employable</title>
        <itunes:title>65:  Roxanne Calder shares how to be employable</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/65-roxanne-calder-shares-how-to-be-employable/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/65-roxanne-calder-shares-how-to-be-employable/#comments</comments>        <pubDate>Sun, 10 Oct 2021 15:37:58 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/d1aae367-70b8-3134-8e60-04997581205f</guid>
                                    <description><![CDATA[<p>Ever wonder what recruiters are looking for in job applicants? It might not be what you think.  Despite all the negative news about the economy, the outlook for those seeking employment is good.  In this podcast, Roxanne Calder, author of Employable: 7 Attributes to Ensure Your Working Future, shares some tips for maximising your employment potential.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Ever wonder what recruiters are looking for in job applicants? It might not be what you think.  Despite all the negative news about the economy, the outlook for those seeking employment is good.  In this podcast, Roxanne Calder, author of <em>Employable: 7 Attributes to Ensure Your Working Future</em>, shares some tips for maximising your employment potential.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/mq57ye/Roxanne.mp3" length="26245460" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Ever wonder what recruiters are looking for in job applicants? It might not be what you think.  Despite all the negative news about the economy, the outlook for those seeking employment is good.  In this podcast, Roxanne Calder, author of Employable: 7 Attributes to Ensure Your Working Future, shares some tips for maximising your employment potential.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1785</itunes:duration>
                <itunes:episode>66</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Roxanne_Calder_website_345x_2x_v5f9ip.png" />    </item>
    <item>
        <title>64:  Latestarterfire talks about why it‘s never too late to start investing</title>
        <itunes:title>64:  Latestarterfire talks about why it‘s never too late to start investing</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/64-latestarterfire-talks-about-why-it-s-never-too-late-to-start-investing/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/64-latestarterfire-talks-about-why-it-s-never-too-late-to-start-investing/#comments</comments>        <pubDate>Sat, 18 Sep 2021 15:52:14 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/eeeb67e0-6afd-3d7d-a00c-9acbf88912d3</guid>
                                    <description><![CDATA[<p>On this podcast, Serina welcomes back @latestarterfire to talk about why late starters to financial independence often have more of an advantage than they think.  </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>On this podcast, Serina welcomes back @latestarterfire to talk about why late starters to financial independence often have more of an advantage than they think.  </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/wezapx/Late_Starter_Fire_2nd_interview9q50e.mp3" length="36039581" type="audio/mpeg"/>
        <itunes:summary><![CDATA[On this podcast, Serina welcomes back @latestarterfire to talk about why late starters to financial independence often have more of an advantage than they think.  ]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1869</itunes:duration>
                <itunes:episode>65</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/_latestarterfire_9af748.png" />    </item>
    <item>
        <title>63: money savvy mamma talks about being frugal with kids</title>
        <itunes:title>63: money savvy mamma talks about being frugal with kids</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/63-money-savvy-mamma-talks-about-being-frugal-with-kids/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/63-money-savvy-mamma-talks-about-being-frugal-with-kids/#comments</comments>        <pubDate>Sat, 11 Sep 2021 14:24:04 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/a4c71851-89cc-3cda-90b4-cf80f2721c27</guid>
                                    <description><![CDATA[<p>The media often likes to run scare campaigns about the cost of children. Can you be a frugalista and be a parent?  Yes, you can. I had a great chat with Mel from money savvy mamma about frugal living, family and investing.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>The media often likes to run scare campaigns about the cost of children. Can you be a frugalista <em>and</em> be a parent?  Yes, you can. I had a great chat with Mel from money savvy mamma about frugal living, family and investing.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/yykbkh/Mel_-_MoneySaverMamma_1_7jfsl.mp3" length="39780715" type="audio/mpeg"/>
        <itunes:summary><![CDATA[The media often likes to run scare campaigns about the cost of children. Can you be a frugalista and be a parent?  Yes, you can. I had a great chat with Mel from money savvy mamma about frugal living, family and investing.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2005</itunes:duration>
                <itunes:episode>64</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/F219E13F-7101-4CB9-B431-91EEC07B6645.jpeg" />    </item>
    <item>
        <title>62: Dr Jodie Lowinger talks about anxiety - and how to overcome it</title>
        <itunes:title>62: Dr Jodie Lowinger talks about anxiety - and how to overcome it</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/62-dr-jodie-lowinger-talks-about-anxiety-and-how-to-overcome-it/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/62-dr-jodie-lowinger-talks-about-anxiety-and-how-to-overcome-it/#comments</comments>        <pubDate>Sun, 05 Sep 2021 16:53:45 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/363497a0-8b8a-3c63-883d-33593ebb274f</guid>
                                    <description><![CDATA[<p>Are you feeling a bit anxious in this pandemic? I know I am - and I've got the perfect guest to discuss how to get to feeling better  In this podcast, I chat with Dr Jodie Lowinger, who is a world-leading expert in anxiety, mindset and resilience.  She is an award-winning clinical psychologist, high-performance and mindset coach to CEOs, and has worked and trained at Harvard Medical School.  She is the bestselling author of The Mind Strength Method: Four Steps to Curb Anxiety, Conquer Worry and Build Resilience. </p>
<p>Note: this podcast was recorded before my household went into lockdown.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Are you feeling a bit anxious in this pandemic? I know I am - and I've got the perfect guest to discuss how to get to feeling better  In this podcast, I chat with Dr Jodie Lowinger, who is a world-leading expert in anxiety, mindset and resilience.  She is an award-winning clinical psychologist, high-performance and mindset coach to CEOs, and has worked and trained at Harvard Medical School.  She is the bestselling author of <em>The Mind Strength Method: Four Steps to Curb Anxiety, Conquer Worry and Build Resilience. </em></p>
<p>Note: this podcast was recorded before my household went into lockdown.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/nz4td8/Dr_Jodie85w3r.mp3" length="36940875" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Are you feeling a bit anxious in this pandemic? I know I am - and I've got the perfect guest to discuss how to get to feeling better  In this podcast, I chat with Dr Jodie Lowinger, who is a world-leading expert in anxiety, mindset and resilience.  She is an award-winning clinical psychologist, high-performance and mindset coach to CEOs, and has worked and trained at Harvard Medical School.  She is the bestselling author of The Mind Strength Method: Four Steps to Curb Anxiety, Conquer Worry and Build Resilience. 
Note: this podcast was recorded before my household went into lockdown.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1827</itunes:duration>
                <itunes:episode>63</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Dr_Jodie_263cdg.jpg" />    </item>
    <item>
        <title>61: KonMari consultant Sally Flowers talks about the need for sustainable fashion</title>
        <itunes:title>61: KonMari consultant Sally Flowers talks about the need for sustainable fashion</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/61-konmarie-consultant-sally-flowers-talks-about-the-need-for-sustainable-fashion/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/61-konmarie-consultant-sally-flowers-talks-about-the-need-for-sustainable-fashion/#comments</comments>        <pubDate>Sun, 08 Aug 2021 21:34:35 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/eb9f63bb-4827-3fe8-8510-a00990e7c065</guid>
                                    <description><![CDATA[<p>Founder of Home Sanctuary, Sally Flower, is Australia's first KonMarie Method trained organiser.  She previously worked in corporate finance - including in New York - before making a change to embrace sustainable fashion, sustainability and minimalism.  On this podcast, Sally chats with Serina about investing, the sharing economy and the link between FIRE and minimalism.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Founder of Home Sanctuary, Sally Flower, is Australia's first KonMarie Method trained organiser.  She previously worked in corporate finance - including in New York - before making a change to embrace sustainable fashion, sustainability and minimalism.  On this podcast, Sally chats with Serina about investing, the sharing economy and the link between FIRE and minimalism.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/nsk53f/Sally_Flower8zwed.mp3" length="41231781" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Founder of Home Sanctuary, Sally Flower, is Australia's first KonMarie Method trained organiser.  She previously worked in corporate finance - including in New York - before making a change to embrace sustainable fashion, sustainability and minimalism.  On this podcast, Sally chats with Serina about investing, the sharing economy and the link between FIRE and minimalism.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2129</itunes:duration>
                <itunes:episode>62</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/SallyFlower-Edit2-25-sq-1006x1024.jpg" />    </item>
    <item>
        <title>60:  Danielle Ecuyer talks about how and why to invest in the US market</title>
        <itunes:title>60:  Danielle Ecuyer talks about how and why to invest in the US market</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/60-danielle-ecuyer-talks-about-how-and-why-to-invest-in-the-us-market/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/60-danielle-ecuyer-talks-about-how-and-why-to-invest-in-the-us-market/#comments</comments>        <pubDate>Sun, 18 Jul 2021 23:27:36 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/69a35731-7804-3e48-af88-a37721879ebe</guid>
                                    <description><![CDATA[<p>Ever thought about investing in the US, especially in those big tech giants, but wondered how?  In this podcast, Serina chats with share trading guru Danielle Ecuyer about her new book Shareplicity 2:  a guide to investing in US stock markets.  </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Ever thought about investing in the US, especially in those big tech giants, but wondered how?  In this podcast, Serina chats with share trading guru Danielle Ecuyer about her new book <em>Shareplicity 2:  a guide to investing in US stock markets</em>.  </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/zqrugb/Danielle_Ecuyerb1e0a.mp3" length="32745664" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Ever thought about investing in the US, especially in those big tech giants, but wondered how?  In this podcast, Serina chats with share trading guru Danielle Ecuyer about her new book Shareplicity 2:  a guide to investing in US stock markets.  ]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2190</itunes:duration>
                <itunes:episode>61</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Danielle_Ecuyeras7yy.jpg" />    </item>
    <item>
        <title>59.  Amy Bett shares how she survived and thrived after financial setback</title>
        <itunes:title>59.  Amy Bett shares how she survived and thrived after financial setback</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/59-amy-bett-shares-how-she-survived-and-thrived-after-financial-setback/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/59-amy-bett-shares-how-she-survived-and-thrived-after-financial-setback/#comments</comments>        <pubDate>Sun, 04 Jul 2021 16:46:08 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/e8553508-29a2-3e99-a730-5933a225b942</guid>
                                    <description><![CDATA[<p>Amy Bett and her family experienced a financial setback after her husband sustained a head injury at work. She pivoted to starting a business, but then that didn't work out as expected either.  In this podcast, Amy talks candidly about the resilience she showed when times got tough, and how she got her finances back on track.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Amy Bett and her family experienced a financial setback after her husband sustained a head injury at work. She pivoted to starting a business, but then that didn't work out as expected either.  In this podcast, Amy talks candidly about the resilience she showed when times got tough, and how she got her finances back on track.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/rnr465/Amy_Bett71i8z.mp3" length="41101226" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Amy Bett and her family experienced a financial setback after her husband sustained a head injury at work. She pivoted to starting a business, but then that didn't work out as expected either.  In this podcast, Amy talks candidly about the resilience she showed when times got tough, and how she got her finances back on track.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2056</itunes:duration>
                <itunes:episode>60</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Amy_Bett_2__td5hgd.jpg" />    </item>
    <item>
        <title>58:  Julia Newbould from Money Magazine talks about the joy of money and writing about investing</title>
        <itunes:title>58:  Julia Newbould from Money Magazine talks about the joy of money and writing about investing</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/57-julia-newbould-from-money-magazine-talks-about-the-joy-of-money-and-writing-about-investing/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/57-julia-newbould-from-money-magazine-talks-about-the-joy-of-money-and-writing-about-investing/#comments</comments>        <pubDate>Mon, 14 Jun 2021 16:05:07 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/387e44d4-50c1-3112-b176-467c4b221c91</guid>
                                    <description><![CDATA[<p>Confidence in investing starts with learning about how to invest, and a reliable and informed financial literacy resource is Australia's Money Magzine.  In this podcast, Serina chats with Money Magazine Managing Editor (who is also co-author of The Joy of Money) Julia Newbould about making a career writing about money, the joy of money, and the importance of superannuation. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Confidence in investing starts with learning about how to invest, and a reliable and informed financial literacy resource is Australia's Money Magzine.  In this podcast, Serina chats with Money Magazine Managing Editor (who is also co-author of The Joy of Money) Julia Newbould about making a career writing about money, the joy of money, and the importance of superannuation. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/ciikqj/Julia_Money_Mag7ol8g.mp3" length="36526557" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Confidence in investing starts with learning about how to invest, and a reliable and informed financial literacy resource is Australia's Money Magzine.  In this podcast, Serina chats with Money Magazine Managing Editor (who is also co-author of The Joy of Money) Julia Newbould about making a career writing about money, the joy of money, and the importance of superannuation. ]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1803</itunes:duration>
                <itunes:episode>59</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Julia.gif" />    </item>
    <item>
        <title>57:  Aussie Doc Freedom talks about superannuation, investment and keeping up with the Dr Jones</title>
        <itunes:title>57:  Aussie Doc Freedom talks about superannuation, investment and keeping up with the Dr Jones</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/57-aussie-doc-freedom-talks-about-superannuation-investment-and-keeping-up-with-the-dr-jones/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/57-aussie-doc-freedom-talks-about-superannuation-investment-and-keeping-up-with-the-dr-jones/#comments</comments>        <pubDate>Mon, 31 May 2021 17:29:32 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/92981a9a-3433-3207-923f-5cad9a250122</guid>
                                    <description><![CDATA[<p>We rarely think about high income earning professional, such as doctors and lawyers, needing to save for their retirement.  But it's important on any income (and in fact, it can be harder when you are earning more as there is a greater expectation of quality of life).  In this podcast, I chat with F.I.R.E. blogger <a href='https://aussiedocfreedom.com/'>Aussie Doc Freedom</a> about her saving and investing journey.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>We rarely think about high income earning professional, such as doctors and lawyers, needing to save for their retirement.  But it's important on any income (and in fact, it can be harder when you are earning more as there is a greater expectation of quality of life).  In this podcast, I chat with F.I.R.E. blogger <a href='https://aussiedocfreedom.com/'>Aussie Doc Freedom</a> about her saving and investing journey.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/rcaciv/Aussie_Doc_Freedom8utfy.mp3" length="42150959" type="audio/mpeg"/>
        <itunes:summary><![CDATA[We rarely think about high income earning professional, such as doctors and lawyers, needing to save for their retirement.  But it's important on any income (and in fact, it can be harder when you are earning more as there is a greater expectation of quality of life).  In this podcast, I chat with F.I.R.E. blogger Aussie Doc Freedom about her saving and investing journey.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1858</itunes:duration>
                <itunes:episode>58</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/square_aussie_doc_logo_1_66lke.png" />    </item>
    <item>
        <title>56:  Michelle, Frugality and Freedom talks about working from home, and building abundance beyond money</title>
        <itunes:title>56:  Michelle, Frugality and Freedom talks about working from home, and building abundance beyond money</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/56-michelle-frugality-and-freedom-talks-about-working-from-home-and-building-abundance-beyond-money/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/56-michelle-frugality-and-freedom-talks-about-working-from-home-and-building-abundance-beyond-money/#comments</comments>        <pubDate>Mon, 17 May 2021 09:20:52 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/cc6601af-73e0-3c25-a559-de8dcae4f5e5</guid>
                                    <description><![CDATA[<p>Michelle, Frugality and Freedom had her FIRE life plan disrupted during COVID.  She reinvented a new, remote career and excelled at working from home.  In this podcast, she chats with Serina about how you can work wherever in the world you want to be, and explains the importance of different types of capital (not just financial capital).</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Michelle, Frugality and Freedom had her FIRE life plan disrupted during COVID.  She reinvented a new, remote career and excelled at working from home.  In this podcast, she chats with Serina about how you can work wherever in the world you want to be, and explains the importance of different types of capital (not just financial capital).</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/dsjyxv/Michelle_Frugality_and_Freedoma86rn.mp3" length="39533030" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Michelle, Frugality and Freedom had her FIRE life plan disrupted during COVID.  She reinvented a new, remote career and excelled at working from home.  In this podcast, she chats with Serina about how you can work wherever in the world you want to be, and explains the importance of different types of capital (not just financial capital).]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1985</itunes:duration>
                <itunes:episode>57</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Frugality-and-Freedom-WHITE.jpg" />    </item>
    <item>
        <title>55:  Nicole Flaws from CARE Inc talks about financial counselling for people in debt</title>
        <itunes:title>55:  Nicole Flaws from CARE Inc talks about financial counselling for people in debt</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/55-nicole-flaws-from-care-inc-talks-about-financial-counsellor-for-people-in-debt/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/55-nicole-flaws-from-care-inc-talks-about-financial-counsellor-for-people-in-debt/#comments</comments>        <pubDate>Sun, 11 Apr 2021 12:29:57 +1100</pubDate>
        <guid isPermaLink="false">joyfulfrugalista.podbean.com/b1b40538-1f36-3a89-8228-e1757c21f123</guid>
                                    <description><![CDATA[<p>Many people are doing it tough right now - the crisis isn't over for everyone.  If you or anyone you know is experiencing debt problems, this is a podcast for you.  Seeing a financial counsellor may seem scary, but behind the phone are empathetic people who are there to help - including Nicole Flaws from CARE Inc.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Many people are doing it tough right now - the crisis isn't over for everyone.  If you or anyone you know is experiencing debt problems, this is a podcast for you.  Seeing a financial counsellor may seem scary, but behind the phone are empathetic people who are there to help - including Nicole Flaws from CARE Inc.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/i2xiz9/Nicole_CARE_incb34oq.mp3" length="46852334" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Many people are doing it tough right now - the crisis isn't over for everyone.  If you or anyone you know is experiencing debt problems, this is a podcast for you.  Seeing a financial counsellor may seem scary, but behind the phone are empathetic people who are there to help - including Nicole Flaws from CARE Inc.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2041</itunes:duration>
                <itunes:episode>56</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/169297545_3842451095802376_2987890003656531598_n_p6b6up.jpg" />    </item>
    <item>
        <title>54:  Ronni Kahn talks about abundance, reducing food waste and living with purpose</title>
        <itunes:title>54:  Ronni Kahn talks about abundance, reducing food waste and living with purpose</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/54-ronni-kahn-talks-about-abundance-reducing-food-waste-and-living-with-purpose/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/54-ronni-kahn-talks-about-abundance-reducing-food-waste-and-living-with-purpose/#comments</comments>        <pubDate>Sun, 21 Mar 2021 19:22:47 +1100</pubDate>
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                                    <description><![CDATA[<p>What does abundance mean to you? Is it having enough food to eat? Sadly, many Australians face food insecurity on a daily basis. This is a problem that Ronni Kahn, founder of OzHarvest, is addressing.  In this inspirational podcast, Ronni chats with Serina about what abundance means to her, the richness that comes from living aligned with purpose, her recent biography A Repurposed Life and tips for everyone to reduce food waste.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>What does abundance mean to you? Is it having enough food to eat? Sadly, many Australians face food insecurity on a daily basis. This is a problem that Ronni Kahn, founder of OzHarvest, is addressing.  In this inspirational podcast, Ronni chats with Serina about what abundance means to her, the richness that comes from living aligned with purpose, her recent biography <em>A Repurposed Life</em> and tips for everyone to reduce food waste.</p>
]]></content:encoded>
                                    
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        <itunes:summary><![CDATA[What does abundance mean to you? Is it having enough food to eat? Sadly, many Australians face food insecurity on a daily basis. This is a problem that Ronni Kahn, founder of OzHarvest, is addressing.  In this inspirational podcast, Ronni chats with Serina about what abundance means to her, the richness that comes from living aligned with purpose, her recent biography A Repurposed Life and tips for everyone to reduce food waste.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1936</itunes:duration>
                <itunes:episode>55</itunes:episode>
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        <title>53:  Scott Phillips from The Motley Fool talks about share investing</title>
        <itunes:title>53:  Scott Phillips from The Motley Fool talks about share investing</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/53-scott-phillips-from-the-motley-fool-talks-about-share-investing/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/53-scott-phillips-from-the-motley-fool-talks-about-share-investing/#comments</comments>        <pubDate>Sun, 07 Mar 2021 21:31:58 +1100</pubDate>
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                                    <description><![CDATA[<p>Have you ever wondered if you should borrow to invest? Or whether there was a place for investing in direct shares rather than Exchange Traded Funds (ETFs)?  I had a good chat with Scott Phillips, Chief Investment Officer at <a href='http://www.fool.com.au'>The Motley Fool</a>, about how to get started and how to succeed in investing.</p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Have you ever wondered if you should borrow to invest? Or whether there was a place for investing in direct shares rather than Exchange Traded Funds (ETFs)?  I had a good chat with Scott Phillips, Chief Investment Officer at <a href='http://www.fool.com.au'>The Motley Fool</a>, about how to get started and how to succeed in investing.</p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/wx7257/Scott_the_Mootley_Fool6k0ca.mp3" length="30127973" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Have you ever wondered if you should borrow to invest? Or whether there was a place for investing in direct shares rather than Exchange Traded Funds (ETFs)?  I had a good chat with Scott Phillips, Chief Investment Officer at The Motley Fool, about how to get started and how to succeed in investing.]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>1941</itunes:duration>
                <itunes:episode>54</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/Scott_Motley_Foolbw5i3.jpeg" />    </item>
    <item>
        <title>52:  Keepin' it Frugal talk about food, travel and weddings</title>
        <itunes:title>52:  Keepin' it Frugal talk about food, travel and weddings</itunes:title>
        <link>https://joyfulfrugalista.podbean.com/e/52-keepin-it-frugal-talk-about-food-travel-and-weddings/</link>
                    <comments>https://joyfulfrugalista.podbean.com/e/52-keepin-it-frugal-talk-about-food-travel-and-weddings/#comments</comments>        <pubDate>Sun, 28 Feb 2021 19:42:35 +1100</pubDate>
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                                    <description><![CDATA[<p>Sarah and Laura write at <a href='https://keepinitfrugal.com/'>Keepin’ it Frugal.</a> They are also foodies who are the stars of @Wandercooks.  In 2015, they quit their jobs, sold their houses and possession and travelled the world.  Both are part of the financial independence retire early movement, and Sarah is one of the 20 bloggers featured in the <a href='https://www.pearler.com/aussie-fire-ebook'>Aussie F.I.R.E book released by Pearler</a>.  In this podcast, they chat with Serina about good food, their frugal wedding and travelling the world on a budget.  They also recommend accessing <a href='https://www.lynda.com/LinkedIn-training-tutorials/472-0.html'>Lynda</a> (now <a href='https://www.lynda.com/LinkedIn-training-tutorials/472-0.html'>LinkedIn Learning</a>) through a public library. </p>
]]></description>
                                                            <content:encoded><![CDATA[<p>Sarah and Laura write at <a href='https://keepinitfrugal.com/'>Keepin’ it Frugal.</a> They are also foodies who are the stars of @Wandercooks.  In 2015, they quit their jobs, sold their houses and possession and travelled the world.  Both are part of the financial independence retire early movement, and Sarah is one of the 20 bloggers featured in the <a href='https://www.pearler.com/aussie-fire-ebook'>Aussie F.I.R.E book released by Pearler</a>.  In this podcast, they chat with Serina about good food, their frugal wedding and travelling the world on a budget.  They also recommend accessing <a href='https://www.lynda.com/LinkedIn-training-tutorials/472-0.html'>Lynda</a> (now <a href='https://www.lynda.com/LinkedIn-training-tutorials/472-0.html'>LinkedIn Learning</a>) through a public library. </p>
]]></content:encoded>
                                    
        <enclosure url="https://mcdn.podbean.com/mf/web/vcyjxr/Keepin_it_Frugal95lhi.mp3" length="52706724" type="audio/mpeg"/>
        <itunes:summary><![CDATA[Sarah and Laura write at Keepin’ it Frugal. They are also foodies who are the stars of @Wandercooks.  In 2015, they quit their jobs, sold their houses and possession and travelled the world.  Both are part of the financial independence retire early movement, and Sarah is one of the 20 bloggers featured in the Aussie F.I.R.E book released by Pearler.  In this podcast, they chat with Serina about good food, their frugal wedding and travelling the world on a budget.  They also recommend accessing Lynda (now LinkedIn Learning) through a public library. ]]></itunes:summary>
        <itunes:author>joyfulfrugalista</itunes:author>
        <itunes:explicit>false</itunes:explicit>
        <itunes:block>No</itunes:block>
        <itunes:duration>2196</itunes:duration>
                <itunes:episode>53</itunes:episode>
        <itunes:episodeType>full</itunes:episodeType>
        <itunes:image href="https://pbcdn1.podbean.com/imglogo/ep-logo/pbblog7633842/sarah-laura-keepinitfrugal.jpg" />    </item>
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