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Personal Journals

Honest Money Conversations

Updated 4 days ago

Careers
Personal Journals
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Honest Money Conversations is a podcast for people who want to change their relationship with money and hear stories from others who have done the same. We're not experts. Sure, we've paid off our debt, saved some money, quit our jobs to work for ourselves, slowed down and embraced minimalism—and we continue to experiment and make changes as time goes on. But we're not experts. We're just two friends who like to talk about life and work, and the role money plays in it all. New episodes are released every Tuesday of a new season, and you can find links to everything we talk about in the show notes on honestmoneypodcast.com.

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Honest Money Conversations is a podcast for people who want to change their relationship with money and hear stories from others who have done the same. We're not experts. Sure, we've paid off our debt, saved some money, quit our jobs to work for ourselves, slowed down and embraced minimalism—and we continue to experiment and make changes as time goes on. But we're not experts. We're just two friends who like to talk about life and work, and the role money plays in it all. New episodes are released every Tuesday of a new season, and you can find links to everything we talk about in the show notes on honestmoneypodcast.com.

iTunes Ratings

93 Ratings
Average Ratings
75
10
3
2
3

my number one boos

By Giggleget - Jan 11 2018
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these two ladies are THE BEST. love the show, love them as individuals and love this podcast!

Fun, informative and entertaining

By Anthony Ongaro - Aug 26 2016
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My favorite personal finance podcast by far.

iTunes Ratings

93 Ratings
Average Ratings
75
10
3
2
3

my number one boos

By Giggleget - Jan 11 2018
Read more
these two ladies are THE BEST. love the show, love them as individuals and love this podcast!

Fun, informative and entertaining

By Anthony Ongaro - Aug 26 2016
Read more
My favorite personal finance podcast by far.
Cover image of Honest Money Conversations

Honest Money Conversations

Updated 4 days ago

Read more

Honest Money Conversations is a podcast for people who want to change their relationship with money and hear stories from others who have done the same. We're not experts. Sure, we've paid off our debt, saved some money, quit our jobs to work for ourselves, slowed down and embraced minimalism—and we continue to experiment and make changes as time goes on. But we're not experts. We're just two friends who like to talk about life and work, and the role money plays in it all. New episodes are released every Tuesday of a new season, and you can find links to everything we talk about in the show notes on honestmoneypodcast.com.

Rank #1: 302 - Evolving Your Budget

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Back in season one, we talked about our personal budgeting strategies – how we got started with budgeting and what our habits were then. In today’s episode, we’re diving into (ha!) the topic of how our strategies have continued to evolve and change over time. And we’re specifically looking at how and why we’re both doing things differently this year. Cait is focusing more on changing her business budget, which she hasn’t always done in the past. Carrie, on the other hand, is analyzing her personal budget. She also explains how she uses audits to reign in her spending, and how this helped her cut her business expenses in half (something Cait needs help with). Finally, we get into the nitty gritty of it and talk about our bank accounts and credit cards help us with our strategies.

Feb 14 2017

41mins

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Rank #2: 105 - Embracing Minimalism

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Minimalism, decluttering and simplifying are hot topics, these days - and Cait and Carrie embraced it all simultaneously. In the past two years, Cait has gotten rid of 75% of her belongings, and Carrie got rid of 30% of hers before moving to Colorado just last fall. In this episode, we talk about our personal experiences, and answer a lot of questions related to minimalism and the pursuit of less. And please note we’re not perpetuating the idea of never consuming or never purchasing things. We simply want you to be a more conscious consumer and spend based on your values.

Feb 02 2016

56mins

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Rank #3: 104 - Shopping Bans

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If you don’t already know, Cait is in the middle of two-year shopping ban that she started in 2014, and swears it has changed her life. Cait’s done a lot of press on the subject, but wanted Carrie to interview her so they could share Cait’s exact definition of what a shopping ban is, the rules for what she can/can’t buy, why she’s doing it and what’s changed since she started it. There are lots of great resources on our website, including a free 5,000+ word guide on how to do a shopping ban of your own: http://budgetsandcents.com/

Jan 26 2016

37mins

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Rank #4: 206 - Taking Care of Yourself

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In the first half of this season, we've been talking about everything you need to do to get a freelance business up and running. From landing and managing clients, creating systems that help you get your work done and getting paid, there's already a lot to do. But one thing you can't forget about is taking care of yourself - and that's what we're talking about today. We almost pushed this topic to the bottom of the list, as though it wasn't a priority - and that's exactly what happens to many of us in our real lives. In this episode, we talk about the importance of making yourself a priority and building self care into your routine. And it doesn't matter if you run a business or not. Everyone could use a little more "you" time.

Jul 19 2016

1hr 4mins

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Rank #5: 405 - Decluttering Your Life (and Finances)

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This week we decided to get into the nitty gritty and share some tangible tips for decluttering your life and your finances. Similar to minimalism, decluttering is a hot topic online these days. We start by defining what decluttering means to us: essentially, it's clearing out anything that takes up negative space. This could mean decluttering physical items from your home, but it could also mean decluttering your budget, your social calendar and your life. As usual, we share tips based on our own experiences. We also share some of our favorite apps, books and podcasts that can help you declutter your own life. (Note: The best apps are usually only available in the US! Boo!) If you could only take one thing away from this episode, we would want it to be this: Sometimes, the healthiest thing to "declutter" is the unnecessary expectations and pressures you put on yourself.

Jul 11 2017

44mins

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Rank #6: 305 - Doing It All

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It's easy to look at someone else's life or social media accounts and assume they're able to manage everything successfully. But this is the curated version of the story. It's not an accurate representation of how you can manage your time. And, the truth is, we're not big fans of the idea that you can "do it all" anyway. So today we're sharing an honest look at what happens when we try to balance our work, money, chores, social lives and relationships. Trust us when we say our lives are not always dreamy! Some days, we even forget to put on deodorant. But that's what real life looks like. In order to actually do it all, you have to make room in your life for specific things during specific times. Doing it all requires flexibility and patience with yourself and those around you (especially those who help you do it all). It takes time, commitment and communication, but it can be done… just maybe not all on the same day of the week!

Mar 07 2017

1hr

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Rank #7: 103 - Personal Budgeting

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Budgeting is one of Carrie’s least favorite words, but it’s Cait’s favorite topic - she even calls budgets her friend! In this episode, we look at the ways our personal budgeting strategies have grown and changed over the years. We talk about how we learned how to budget, why Carrie calls it a spending plan and why Cait doesn’t budget anymore (even though her blog is called Blonde on a Budget). Despite the fact that our strategies are different, we both believe one thing: budgets aren’t meant to be restrictive - they are a tool that can help you do the most you can with the money you have.

Jan 19 2016

46mins

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Rank #8: 309 - Shifting Your Money Mindset

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When you hear the phrase “money mindset,” what kind of images come to mind? That's the topic we're discussing in this week's episode. We start by talking about what our money mindsets are now versus what they were when we were younger. Anyone else guilty of viewing credit cards as free money, or was that just us!? From there, we discuss where our scarcity mindsets come from and the fears that are attached to it. There are various aspects of your life and career that are affected by your money mindset, so be careful of self-sabotaging thoughts! If you think you're going to run out of money, you probably will. Towards the end of this episode, we share some tips for how to shift from a scarcity mindset to one of abundance. When you make mental shifts, positive changes will start happening, and we share some of the ones we have personally experienced. One thing we continue to learn is that having a positive money mindset means money will often present itself at the exact time you need it most. The first step is learning how to be content and appreciating what you already have.

Apr 04 2017

48mins

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Rank #9: 306 - Dealing With Fear

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One of the things we've noticed over the years is that the more connected we are online, the more lonely we tend to become in our real lives. And when we're lonely in our real lives, we have a harder time pushing past our fears - both personally and in our businesses. In today's episode, we share a number of the fears we both experience (or have dealt with in the past). We start by discussing the fears we feel when we send emails, pitch clients and interact on social media. We also talk about how we navigate around our fears in order to network and connect with new people. It's not always easy. In fact, this episode will show you we still don't always feel good in these situations, but we continue to work through it. This conversation is incredibly vulnerable, as we asked each other big questions that required us to dig deeper into finding out what we are truly afraid of. The answers surprised even us. As you're listening, remember there's a difference between good fear and bad fear, and knowing the distinction between them is vital to being successful. Most of our concerns are never validated, they're simply fears that try to hold us back. But every time you do something that scares you, you grow and can see what you're capable of.

Mar 14 2017

1hr

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Rank #10: 209 - Branding (Business vs. Personal)

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As blog owners, freelancers and co-hosts of this podcast, we’ve had to learn how to balance our personal brands with our work and real lives. That’s what this week’s topic is all about: developing a brand, creating a cohesive message and balancing it with your daily life. We talk about how our brands have evolved over time, how we came up with a co-branded theme for the podcast and discover there is still more work for us (or at least Cait) to do! We also talk about how being anonymous (or semi-anonymous) can affect your brand and your ability to find freelance work. We even dive into how much you should (or should not) share about yourself online. At the end of the episode, we explain specific ways to make a brand stand out and become instantly recognizable on social media (think: images, colors and fonts). If you’re struggling to figure out how to present yourself and your brand online, this episode has some takeaways that will help!

Aug 09 2016

1hr 7mins

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Rank #11: 504 - Revisiting Debt

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Today, we're revisiting the topic of debt. A lot has changed since we first talked about this back at the very beginning of season one! Our mindsets around money have evolved and our thoughts about debt are a bit different now. So we start by recapping our debt repayment journeys and share some thoughts about the routes we took. Then, we discuss our updated philosophies and views on debt, and how (and why) it has changed over the years.

Jan 30 2018

45mins

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Rank #12: 404 - Redefining Minimalism

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Minimalism is a hot topic on the internet, these days. And because it's so popular, it's easy to come across the same definition over and over again. White walls, white furniture, no color and not a lot of stuff. It sounds a little sterile, doesn't it? We think so, too. In this week's episode, we are attempting to redefine what minimalism means - at least to us! We talk about how we defined minimalism a few years ago, and what it means to us today. And after receiving a number of requests, we share how we're embracing minimalism NOW - in our lives and in our businesses. Partway through, Cait goes on a bit of a rant but with a good message: It's important to realize that minimalist design is different from a minimalist mindset, and you shouldn’t have to buy minimalist things to be a minimalist.

Jul 04 2017

35mins

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Rank #13: 211 - Working on the Road

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The summer is coming to an end, and so is this season of the podcast. But we’re making the best of it by tackling one of our favorite topics: working on the road! Right now, Cait is on her two-month-long road trip through the U.S., and Carrie just got back from a week-long trip visiting family in Texas - so this episode couldn’t be more timely for us. First, we discuss how to prepare for working on the road, starting with how to communicate it with clients. We also talk about what to pack so you have everything you need to get your work done, as well as how to schedule your days so you can stay productive and enjoy your trip. And we would be bad personal finance bloggers if we didn’t share ways to stay safe, from packing an emergency kit, to making sure all your insurance needs are covered, and protecting your belongings (including work files). Before you dive into the “location independent” life, there’s a lot to learn – and we share all our experiences in this episode.

Aug 23 2016

56mins

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Rank #14: 205 - Getting Paid

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Last week, we explained the various systems we’ve setup to help us manage our clients and get our work done. We mentioned it briefly, but the most important system any freelancer can setup is the one(s) that helps them GET PAID. It all starts with setting your rates and having the confidence to charge them (and raise them!). We also talk about deposit structures, payment methods and terms, how to follow-up with clients who don’t pay you on time - and we even explain what it’s like to work with clients who pay you in foreign currencies. Whether you’re just getting started with your freelance work or side hustle, or are getting ready to make some pricing changes in your business, there’s a little something in this episode for everyone.

Jul 11 2016

1hr 7mins

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Rank #15: 203 - Managing Clients

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Unless you make all of your money by selling your own products and services, there’s a good chance you’ll rely on client work to make up a portion of your income, when you work for yourself. We talk about how we found our first clients, as well as how we get clients today. We also talk about what we call ourselves, how we position our services, setup contracts, set expectations and create good communication strategies. (And since you know we don’t shy away from the big stuff, we also share examples of red flags and clients/projects we’ve turned down!) It’s taken years for us to learn how to run profitable freelance businesses. Hopefully there’s an idea or two that can help you with yours.

Jun 28 2016

1hr 12mins

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Rank #16: 409 - Unlocking Money Beliefs with Garrett Philbin

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It's not very often that we have guests on the podcast, so today's episode is extra special! With the recent conversations we’ve had about money mindsets, we thought it would be great to invite someone to help us dive a bit deeper into this stuff. Garrett Philbin is a personal friend of ours and works as a financial life coach. He currently lives in Brooklyn, New York and runs a business called Be Awesome Not Broke, through which he helps people use money more intentionally to live better lives. If you listened to our episode about transforming your money story, you might remember that Garrett is the person who helped Cait first see the limiting money beliefs she had about how much money she could earn. He is also the friend who suggested we read the book, You Are a Badass at Making Money by Jen Sincero! In this episode, Garrett opens our eyes to some of our own money beliefs and how they affect our relationships. He explains that you can't talk about money without talking about life, and what you believe becomes your reality. We’re so grateful Garrett was willing to share his personal money beliefs with us, as well as representing a male perspective on the podcast. There are a lot of great insights and advice for unlocking your own beliefs about money, so you won’t want to miss this one!

Aug 08 2017

1hr 9mins

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Rank #17: 210 - Scaling Up

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This week’s episode was so much fun to record: we’re talking about scaling up your business! There are lots of little steps involved with scaling up, and it’s something that happens over time, not all at once. Both of us are doing this in our own businesses and approach it in different ways. We talk about how to identify areas of your business to scale up and how, like paying for systems, using new tools and apps, and hiring an assistant. We even open up about what courses we’ve invested in and the equipment we use every day. If you’re experiencing growing pains, or aren’t sure how to take your business to the next level, this episode is filled with our experience, tips and ideas. We also share a fun announcement about two-thirds of the way through the episode, so you’ll want to listen to the entire thing!  

Aug 16 2016

48mins

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Rank #18: 501 - Setting Intentions vs. Goals

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Welcome to a brand new season of Honest Money Conversations! Since it's also the start of a new calendar year, we know most content creators are probably talking about goals and resolutions they have for 2018. But we wanted to talk about the idea of setting intentions, instead. We start by sharing what we want to leave behind in 2017, and then share some of our own intentions for the new year ahead. Hint: There will be a lot more reading and (hopefully) a lot less stress.

Jan 09 2018

38mins

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Rank #19: 307 - Being Open to Change with Jessica Moorhouse

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This week is an extra special episode of Budgets and Cents because we're hosting our first guest! Jessica Moorhouse is a millennial money expert, speaker, award-winning personal finance blogger and host of the popular Mo’ Money Podcast. She's also been a great friend to both of us for many years, and was the one and only person we knew we wanted to interview this season. In January of this year, Jessica quit her day job to become a full-time blogger and podcaster, which is actually something she had told us she would never do. So, why did she change her mind, and how did she decide to make that career change? That's what we're talking about today: being open to change. Jessica starts by giving us a real look at how the first few months of self-employment have been and what her plans are for this year (including: producing future Millennial Money Meetup events, offering money coaching services to clients, and launching her first e-course about financial and physical fitness!). But we also discuss the various fears that come with being open and how to find the confidence to try new ventures. We're so grateful Jessica was willing to share part of her story with all of us. There are a lot of great tidbits of insight and advice in this episode, so you won't want to miss this one!

Mar 21 2017

45mins

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Rank #20: 112 - Ask Us Anything

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Well, we knew this sad day was coming: it’s the last episode of Season 1! But it’s a fun one because we’re answering YOUR questions. In this episode, we talk about everything from how to deal with financial emergencies, whether you should be saving and investing while in debt, and we even discuss our favorite books. We also share what we're doing during the break from our podcast. (It's exciting!) This is the last episode of Season 1, but don't worry - we'll be back with a second season in May! We share more details about that at the end of this episode. Thanks for listening and leaving so many wonderful reviews on iTunes! We’ll talk to you again soon, friends. :)

Mar 22 2016

40mins

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