Podcasts about budgetting

Nick Bruining, an independent financial adviser, regularly joins Nightlife to discuss the ever-changing world of business and finance and what it means for you.

You may have heard of permaculture, how about hugelkultur? What actually are they and can they help you grow your own food without spending any money? Katy Gosset gets the answers at a community garden and hears how making the perfect compost can become a lifetime addiction.

Our grandparents did it and now a whole new generation wants to learn to pickle and preserve. Pickling novice, Katy Gosset, meets the self- described Preserving Queen who's bringing back 'the old ways'.

Yes, setting your wedding budget can be a B. We know you'd rather skip this step and go straight to the cake tasting, but creating (and sticking to) your budget is arguably the most important part of planning a wedding. And whether you're working with $100 or $100,000, there are some general guidelines that can help you decide what you can afford to spend, and what you'll want to save or splurge on. We've put together a Wedding Budget Checklist that includes the items most weddings entail, as well as the "typical" percentage of your budget you may want to reserve for each one. HUGE caveat: The percentages included are solely based on industry averages and may not be right for you. Feel free to adjust them according to your needs and priorities—just make sure your adjustments add up to 100%. We hope this helps! We are here for you in this major part of the process and can't wait to continue to walk alongside you the rest of the way ❤️  Check out https://theguidegalspodcast.com/ for the free downloadable + follow us on socials @theguidegalspodcast to see more planning info and behind-the-scenes content ✨

In this episode Sarah and Wendy dive into four powerful business strategies to embrace as we approach the new year. These will help you properly wrap up 2023 so you can relax over the break, and also support you in planning your 2024 goals.   You will learn about: The importance of year-end assessments Why financial reviews are crucial and what key metrics to look at What to think about when evaluating your work-life balance How to reassess and consider necessary changes The power of visualisation for the next 12 months Why you need a well-thought-out budget The impact of having a coach or joining a support network Thanks for listening! Growth Curves will be back in the New Year. Make sure to subscribe to the podcast so that you're first to know when the next episode is out.  Resources Mentioned: Episode 4 - Stats to Track: 10 Key Business Metrics Sarah's Mini Course: Details coming soon!! Follow the @growthcurvespodcast on Instagram for more Get in touch: Sarah Burgess - Little Black Books Wendy Tibbotts - Zigzag Marketing Growth Curves Instagram - @growthcurvespodcast  

AD: Generation Tux for all your suit needs!Two other episodes like this one:21 Wedding BUDGET SAVING TipsBeautiful & Still On Budget! | Q&A on Wedding DIY, Decor, and Style - Part 1Want to ask Jamie your wedding planning questions? Join her in The Master Plan!What did you think about this episode?  What were your takeaways?  I want to hear your feedback!  Screenshot the episode and post your thoughts on Instagram and tag us @wolferandco. You can get your Perfect Wedding Timeline - HERE!Be sure to grab your ultimate Wedding Day Checklist at weddingchecklist.coYou are also invited to join the Facebook Wedding Community she has created for y'all to support each other. ❤️P.S. — These links may use affiliate platforms where commission may be earned based on clicks and/or purchases, and I would love it if you used them! It won't cost you anything extra, but affiliate links are RAD because they help creators like me to fund the free content we provide.

In this episode, we discuss the first two competencies, 1a. budgetting and cost control, and 1b. financial management. The professional practice criteria for 1A. Budgetting and cost control are; PP1.1 Established estimates for different project costs. PP1.2 Established and gained agreement to a project budget. PP1.3 Set up funding drawdown arrangements based on cash flow forecasts. PP1.4 Applied metrics to establish cost trends within a project. PP1.5 Refined budget allocations based on cost analysis, applying change control processes as required. PP1.6 Produced financial reports for stakeholders based on financial performance monitoring. PP1.7 Upon project closure, produced final financial reports and distributed them to relevant stakeholders.   The professional practice criteria for 1B. Financial management are; PP1.1 Established estimates for different project costs. PP1.2 Established and gained agreement to a project budget. PP1.3 Set up funding drawdown arrangements based on cash flow forecasts. PP1.4 Applied metrics to establish cost trends within a project. PP1.5 Refined budget allocations based on cost analysis, applying change control processes as required. PP1.6 Produced financial reports for stakeholders based on financial performance monitoring. PP1.7 Upon project closure, produced final financial reports and distributed them to relevant stakeholders.   For more guidance on the Association for Project Management Chartered Project Professional (ChPP), or any other project management training, please visit www.parallelprojecttraining.com or call 0118 321 5030.

Are you a spender?  You know if you are. The impulse buys online. The Amazon purchases so frequent that you have no clue what those 7 Amazon charges are in your credit card statement. And the coffee shop down the road? You might as well just give them your credit card to keep on file at this point.  Every month you try to reign in the spending and you recommit, "Okay! That's It! This month is a SPENDING FREEZE!"  And then 4 days in (if that long) you realize your budget is already getting pinched because of unplanned purchases. Or maybe it's not you that's the spender, maybe it's your partner. And it's enough to drive you mad!  There are 2 different types of people in the world: Savers and Spenders. And quite often, we're married to each other! How do we solve this problem? You want the freedom to spend. And you also want to plan and save for your future.  Can you have both? Can Spenders and Savers find a path to understanding and reaching peace together? Yes.  And Franchelle Caesar is the financial coach who will show you the missing pieces for people who constantly spend and how to speak their language. So whether you're the spender or your partner is, tune in to today's episode, and let's shed some light on a very misunderstood group of people: Spenders! 

So many people struggle with even the simplest of methods for managing their money. So here are some steps you can take to have a well reinforced budgeting plan.

A great way to overcome the biggest issues you are having with your money management is to get a financial coach. These are people who spend their time guiding you on the right path for a more sustainable lifestyle. Although we can all try and do it ourselves, nothing can beat tried and tested methods regularly used by professionals who have done what you are trying to do, beaten the odds and become so adept at doing it they ended up leading others down the same road. Stop just trying and get results now.

2022 has been a difficult year. 2023 isn't likely to be any different so here are some money management tips that could easy any hurdles that come your way. With financial education we can have a confident life knowing that we are prepared for anything.

You know those spendy months, which are full of invoices, bills and outgoings. Don't stress, Space Cadet. This meditation is for you. LINKS  Follow @thespace_podcast on Instagram    Watch @thespace_podcast on TikTok   Follow @novapodcastsofficial on Instagram   CREDITS Host: Casey Donovan @caseydonovan88 Writer: Amy Molloy @amymolloy Executive Producer: Elise Cooper Editor: Adrian Walton  Listen to more great podcasts at novapodcasts.com.au   See omnystudio.com/listener for privacy information.

why businesses should take stock and review, a frank and practical discussion in collaboration with Begbies Traynor Group and Jacksons Law Firm

www.makestocksfun.com- Bio I am very successful in the stock market and realized when I spoke to people about finances they wanted more information and wanted help understanding how to plan for their financial future. I also realized from joining Facebook groups that lots of people are deceived by bad media hype and lack the mental focus that goes into successful stock trading. I had lots of pain and mistakes when I first started on my own however things changed when I treated it like a business and did NOT want to fail anymore IE lose money.

Sarah Gage talks to Peter and Kathleen about financial coaching - how it helps you break the debt pattern that can be a burden for a lifetime. How a financial coach is different from a financial advisor or financial consultant. Sarah gives practical tips for helping people build wealth for a comfortable retirement. https://wealthconfidencecoaching.com/ The Yakking Show is brought to you by Peter Wright & Kathleen Beauvais contact us to be a guest on our show. https://TheYakkingShow.com  peter@theyakkingshow.com https://karytechsolutions.com  kathleen@theyakkingshow.com Timeline & timestamps below 05:05 Recognizing the debt pattern 07:04 The recovery process 10:15 Budgetting & accountability 11:04 What results can you get? 13:40 Flexibility & inflation 15:00 1 mile radius 17:30 Retirement planning 18:30 Catastrophes happen 22:30 The difference between financial security & continual struggle

Shrinkflation and its effect on our pockets. What we can do about it and how this has become the norm as the replacement of inflation to the direct price. businesses are hiding higher expenses from us.YoutubeAlso want to see how you'd score on our mortgage preparedness questionnaire click here: The mortgage Course

To Tip or Not To Tip? This week, we answer this million dollar question, and so many more, as we discuss proper tipping etiquette and how to approach the topic of vendor gratuities with clients. PLUS: We share our tips (pun intended) for curating a unique and elevated gifting suite for wedding guests. Discussed in this episode: Tipping Guide Template (Coming soon to WeddedShop.com)

The festive season always seems to drain your wallet as well as your emotions. Spending anxiety can creep up, so we’ve got some simple tips to manage it in your everyday life. LINKS ‘The 21-Day Abundance Meditation Challenge with Deepak Chopra’ by An Everyday Light Worker for Medium. Need money tips? Listen to ‘Small Change’ for short and simple advice. Follow The Space on Instagram @thespace_podcast. Follow Nova Podcasts on Instagram @novapodcastsofficial. CREDITS Host: Casey Donovan @caseydonovan88.Writer: Amy Molloy @amymolloy.Executive Producer: Elise Cooper.Editor: Adrian Walton. Listen to more great podcasts at novapodcasts.com.au.See omnystudio.com/listener for privacy information.

In a previous episode, Lyssa Adkins spoke highly of Luke Hohmann and FirstRoot. FirstRoot lets students work with an actual budget, to come up with ideas, and make those ideas a reality. What do they need to make that concept come to life? What happens when it's created, who's going to clean up?Luke Hohmann joins us today to talk about FirstRoot, and what the impact and potential are of participatory budgeting. But by giving away budget, does FirstRoot not impact its own business model? Listen to this week's episode to hear Luke's insights on business models, too!What you'll discover in this show:-        Participatory budgeting gives a whole new impulse to students and financials  -        FirstRoot is a generationally timely company, that would not have worked in the past  -        Designing business models could use a makeoverSpeakers: Luke HohmannFounder at FirstRootFounder and CEO of FirstRoot, Inc. Our mission is to create the next generation of impact investors. Our unique go-to-market strategy supports all stakeholders as youth use participatory budgeting to invest real money in their schools. Youth learn the 5 C's of modern education: creativity, critical thinking, communication, collaboration, and civics as they experience true agency and stewardship over their futures, learning through their own experiences how money really works.   The author of four books, numerous articles and cited as an inventor on more than a dozen patents, Luke is an internationally recognized expert in Agile Software Development. Luke co-organized the first Agile conference in 2003, has served on the Board of the Agile Alliance and in partnership with the Scrum Alliance produced the "Collaboration at Scale", the world's largest monthly webinar devoted to helping organizations with 10 or more Scrum teams in 2 or more locations scale agility.    Luke is a highly sought after speaker has as keynoted such conferences as the Agile Alliance conference, Agile Australia, Lean-Agile Scotland, Agile New Zealand, the Austrian Innovation Forum, the CXPA and the SAFe Summit.Contact Luke:https://www.linkedin.com/in/lukehohmann/ Sander Dur (host)Scrum Master, Agile Coach, trainer, and podcast host for ‘Mastering Agility”Sander Dur is a business agility enthusiast, with a passion for people. Whether it's healthy product development, agile leadership, measurement, or psychological safety, Sander has the drive to enable organizations to the best of their abilities. He is an avid article writer, working on a book about Scrum Mastery from the Trenches, and is connecting listeners with the most influential people in the industry. Masteringagility.org https://www.linkedin.com/in/sanderdur/ https://agilitymasters.com/en https://sander-dur.medium.com/ Additional resources: https://firstroot.co/ Luke's book “Beyond Software Architecture”:https://www.amazon.com/Beyond-Software-Architecture-Sustaining-Solutions/dp/0201775948  Leave us a review on Podchaser:  https://www.podchaser.com/podcasts/mastering-agility-1727952  Support the show (https://www.patreon.com/masteringagility)

Liz talks to Kathryn about how to set up a money management system that works!. She says the system can help you to look after your money automatically with minimal effort. This follows the report released last week by the Retirement Commission which shows that, of people who do budgets, only 1 in 4 make them work. Liz Koh is a financial planner and specialising in retirement planning.

The 10% saving rule & budgetting helped me getting over $$$ anxiety

You don't need a higher-paying job or a windfall from a relative to improve your personal finances. For many people, better money management is all it takes to reduce their spending, improve their ability to invest and save, and achieve financial goals that once seemed impossible.Even if you feel like your finances are stuck in a bad place with no way out, there are a number of things you can do to create a better situation for yourself. Here are some practical and proven ways highlighted by Reshma Bhojwani,a money wisdom coach and published author on the show today. Stay tuned. This is Life well lived by Omobola Stephen.www.flourishbizcenter.comFB: Reshma BHOJWANIBook Link: http://bit.ly/pandemicbudgeting

Getting your life sorted, often takes one step at a time. Even if you've found yourself in a tricky spot of financial bother – May I suggest you partially could have arrived there with a sequence of misguided steps?Here’s the great news: If you want to get out of your tricky spot of bother, it's just as simple as how you arrived there - it involves taking a series of steps in a more appropriate direction. Over time, step by step, while you might not be where you want to be, at least you're doing everything you can to improve your situation.Investing is best performed once you have some of the basics sorted. You need not get it 100% right though so all good. If you disregard these steps completely though, here's the warning: The wealth-building moves you're making now, may have to be reversed at some stage.So what are the steps we're covering today?Start your safety net.Get your KiwiSaver right.Start tackling your debt.Cover your people, money, stuff.Run your retirement numbers.Set your targets, then hit them!These steps are not complicated, but they do require action - it gets tricky often when there's more than one of you in charge of finances too. We have you covered there also don't fret - in the next couple of weeks there'll be another episode released in conjunction with CFFC discussing 'love and money'Today's show is one of three episodes recorded with the help of ‘Sorted’ - sorted.org.nz  (they provided the ideas and some of the guests -thanks!!)__________________________________________________________________Like what you’ve heard?You can really help with the success of the NZ Everyday Investor by doing the following:1- Follow the NZ Everyday Investor on Clubhouse by clicking on this link.2- Write a review on Facebook, or your favourite podcast player3- Help support the mission of our show on Patreon by contributing here4- To catch the live episodes, please ensure you have subscribed to us on Youtube: 5- Sign up to our newsletter here6-Tell your friends!NZ Everyday Investor is on a mission to increase financial literacy and make investing more accessible for the everyday person!Please ensure that you act independently from any of the content provided in these episodes - it should not be considered personalised financial advice for you. This means, you should either do your own research taking on board a broad range of opinions, or ideally, consult and engage a financial adviser to provide guidance around your specific goals and objectives.If you would like to enquire around working with Darcy (financial adviser), you can schedule in a free 15 min conversation just click on this link_____________________________________________________________________________

In questa puntata, Luca e Fabio hanno avuto il piacere di intervistare Mirco Gasparotto, self-made man che da fattorino è diventato presidente di una S.p.A. da 100 milioni di fatturato.Insieme hanno parlato di formazione, marketing, management e di come costruire un'impresa di successo nel 2021.

On this episode of Teachers on a Budget, the teachers attempt to return to their regularly scheduled program. Find out what's been happening since the last episode and most importantly, what is to come!

On this episode, the teachers give a debrief of their recent trip camping in a COVID-19 World. Plus we take a look at 3 highly debated topics within the debt free community.

In this episode, join the teachers on a post-mortem look at their May budget. Learn about the teacher's camping plans and how to do it on a budget, finally, how do you budget and plan for sinking funds?

Crys-Noell-The-Power-of-Budgetting_01

Crys-Noell-The-Power-of-Budgetting_01

In this episode we talk to Rami Sirkiä, Managing Director at Nitor Delta, about Lean-Agile Budgetting. We discuss what it is, what the advantages are, what experiments he has run and what advice he has for organization wanting to increase the agility of their budgeting and financial processes.

In this episode, explore how the Teachers on a Budget are surviving as we approach the second month of quarantine amidst teaching online. Take a dive into our May budget as we prepare for summer.

On this episode, Teachers on a Budget AZ talk about surviving a pandemic, well for your budget that is. We will answer the question on everyone's mind, where was the April 1st podcast?!?!?!?! This and more on this edition of Teachers on a Budget AZ

Last summer, mine and Sofia’s friend, Ryan, moved to the Windy City. Back in April 2019, I helped Ryan go apartment shopping in downtown and we got to explore to some really awesome places before he moved there. Since then, Sofia has visited Chicago and Ryan got to show her around to some of the best night life and bars. We were happy to hop on a call with Ry to ask him about his experiences, reminisce, and get his insight on how to survive Chicago on a budget. Here are so of his top places to go: RestaurantsCasual DiningPortillos:https://www.portillos.com Imperial Lamian:https://imperial-lamian.com Ramen Takeya fulton market:http://www.ramentakeya.com/menu Cafe Ba-ba Reeba:https://www.cafebabareeba.com Au Cheval:auchevaldiner.com/ Best Day Time ActivitiesDepends on season:Options:https://www.choosechicago.com/things-to-do/ Summer: (cubs games, "beaches", shops, Divvy bike, parks, rooftop bars)Fall/Winter: (weather is brutal so limited options - Bulls game, second city, ice skating at McCormick or Maggie Daley) Best Night Time Activities:Concerts and Bars (Lincoln Park, Old Town, West Loop, River North) Coolest buildings in Chicago: Hancock, Water Tower for shopping, Willis Tower BarsWrigleyville: https://www.chicagotribune.com/dining/ct-wrigley-bars-each-and-every-one-htmlstory.html Sluggers:http://www.sluggersbar.com Point and Feather:https://www.pointandfeatherchicago.com Three Dots and a Dash (basement bar):https://www.threedotschicago.com What to Wear in Each SeasonFall: Light JacketWinter: Layer up, puffy coats, gloves, hats, be creativeSummer: Shorts, tees, tanks, anything goes When is the best time to visit Chicago?Ryan said: Summertime CHI is the best! - everyone is out & about, perfect weather, most things to do during this time Best places for Music and Theatre: CIBC Theatre:https://www.broadwayinchicago.com/theatre/cibc-theatre/ House of Blueshttps://www.houseofblues.com/chicago How To Stay Safe in the CityRyan said: not as scary as one might think - just be aware of you surroundings and try to have a buddy when you go out/walk through neighborhoods.

For a long time, neither of us had a budgeting strategy. This resulted in our expenses being higher than they should have been -- we were basically spending too much of our income; leaving us with not much money to save and invest to reach our financial and lifestyle ambitions. In this episode, we discuss different budgeting strategies and what has been working for us when it comes to two popular budgeting tools, YNAB and Mint.

Topics include:How much you should saveWhy you need an emergency fundWhere to put it 

This week on the show Danie talks about the most recent update to monster fighting game Dauntless, Ren talks about the scares in Infliction, and guest Matt Nemeth talks about the Heist DLC for Spiderman on the PS4. Also discussed is Splash Damage's announcement that they will no longer be developing their first person shooter Dirty Bomb, and more Fallout 76 news.------------------------------------------------------------------------------https://itunes.apple.com/au/podcast/next-to-nothing/id1391479944?mt=2&uo=4https://open.spotify.com/show/5J9LHeFBhu4Nf14ImPSrJS------------------------------------------------------------------------------Follow everyone on their Twitch channels!https://www.twitch.tv/ren147https://www.twitch.tv/daniecaehttps://twitter.com/NTNPodhttps://www.youtube.com/channel/UC4Gl04_U8XycAXXo0DPIFgg?&ab_channel=NextToNothingPodcastFind Matt at the links below!http://entertainmenttalk.org/https://twitter.com/ETalkUK------------------------------------------------------------------------------Check out our friends at KDKWeekly!https://www.twitch.tv/kdkweekly------------------------------------------------------------------------------Help support the show by using our humble bundle links!Humble Monthlyhttps://www.humblebundle.com/monthly?partner=nexttonothingpodWB Gameshttps://www.humblebundle.com/games/wb-games-classics-bundle?partner=nexttonothingpod------------------------------------------------------------------------------Track: Sekai - Running [NCS Release]Music provided by NoCopyrightSounds.Watch: https://youtu.be/V42iRj0Toq0Free Download / Stream: http://ncs.i

This week on the podcast Ren and GamerGreggie talk about COD: BlackOut, the possibility of Fallout76 lasting "forever", and an update to Negligee: Love Stories release.-----------------------------------------------------------------------------------------------------------------------------------------------------------https://itunes.apple.com/au/podcast/next-to-nothing/id1391479944?mt=2&uo=4https://open.spotify.com/show/5J9LHeFBhu4Nf14ImPSrJS-----------------------------------------------------------------------------Follow everyone on their Twitch channels!https://www.twitch.tv/ren147https://www.twitch.tv/gamergreggiehttps://www.twitch.tv/daniecaehttps://twitter.com/NTNPod------------------------------------------------------------------------------Track: Sekai - Running [NCS Release]Music provided by NoCopyrightSounds.Watch: https://youtu.be/V42iRj0Toq0Free Download / Stream: http://ncs.i

This week on the podcast Danie talks about Pokemon Clear Crystal - an open world rom hack on the classic Pokemon Crystal. Ren and Bubba argue about Warframe and Destiny, Bubba talks about changing from console to PC, followed by a discussion about Polygon's new review policy and what is the best way to review a game. Subscribe for more episodes and find us on Spotify and Apple Podcasts!https://itunes.apple.com/au/podcast/n...https://open.spotify.com/show/5J9LHeF...-----------------------------------------------------------------------------Follow everyone on their Twitch channels!https://www.twitch.tv/ren147https://www.twitch.tv/shaunzomgaminghttps://www.twitch.tv/daniecaehttps://twitter.com/NTNPod------------------------------------------------------------------------------Track: Sekai - Running [NCS Release]Music provided by NoCopyrightSounds.Watch: https://youtu.be/V42iRj0Toq0Free Download / Stream: http://ncs.io/Sekai_RunningYO

https://www.spectissa.com/https://twitter.com/NTNPodhttps://www.twitch.tv/daniecaehttps://www.twitch.tv/ren147https://www.twitch.tv/spectissa --

Fairfax financial writer Georgie Dent says that financial independence is the best insurance policy you can have on a safe and happy life. Even if you are in a loving relationship you can never predict what life will bring (accidents, redundancies, illness).Georgie gives her most practical tips on gaining financial independence.

I know. "Urgh!" you say, but most of this stuff still has to get done. We're talking paying bills, washing clothes, changing bed sheets. Jody Allen (AKA Stay At Home Mum) has written several books about staying on budget when you're trying to save, and she has some great tips on keeping other parts of your life running smoothly too.

Is pocket money a good thing for kids or not? Dr Justin Coulson, parenting author and father of 6, takes us through how to do pocket money well.

Given the way we use our cards these days, money can be invisible. So how do we teach our children the value of money? Effie Zahos, editor of Money Magazine, gives us some tips on how we can teach kids the actual value of money.

Host Stuart Wright talks with legal expert and author of The Filmmakers' Legal Guide Tony Morris for the second time. Podcast covers: 1) The authors right to protect their interests 2) Getting paid 3)Budgetting for Legal services and costs The Filmmakers’ Legal Guide – Second Edition Hard copies available by post £20 + p&p or in person: contact tony.morris@morrisnw3.com or in person at Raindance, 10 Craven St, Charing Cross, London WC2N 5PE, UK Kindle version is £9.99 https://www.amazon.co.uk/Filmmakers-Legal-Guide-Second-ebook/dp/B07Q26W43T/ref=sr_1_fkmrnull_1?keywords=filmmakers+legal+second+edition&qid=1554547401&s=digital-text&sr=1-1-fkmrnull Facebook page https://www.facebook.com/filmmakerslegal/?modal=admin_todo_tour Podcast from www.britflicks.com "Carefree" Kevin MacLeod (incompetech.com) 
Licensed under Creative Commons: By Attribution 3.0
creativecommons.org/licenses/by/3.0/ Gaslamp Funworks by Kevin MacLeod is licensed under a CC Attribution 3.0.
incompetech.com/music/royalty-fre…isrc=USUAN1100826.

In this solo episode, I'm discussing net worth and how it will improve your purchasing decisions for faster wealth accumulation.   I’ve been a personal budget nerd ever since my wife and I graduated college with 60k of debt and realized just how much money that was. Calculating net worth and tracking net worth is our best indicator of our financial situation. Tune in to hear why us "average Joes" need to know our net worth, how that will help us daily and some of the subtle nuances around the topic.   Connect with us www.FatherhoodFitnessFinance.com Instagram   Subscribe to Fatherhood | Fitness | Finance Subscribe

Budgetting doesn’t come naturally to most of us. For those of you who struggle (like me) here are some tips on budgetting that have helped me. Budgeting your spending can be really hard. It’s not something that comes naturally to most of us. And so, I wanted to give you some tips on budgeting your […] The post Tips On Budgetting Your Spending appeared first on On Property.

In this episode Amanda and Ryan discuss backpacking through one of the more expensive countries in the world, Switzerland; How to budget you money and make it last, hiking and canyoning in Interlaken, and they also discuss a fight they had in Bern, and how low self esteem and emotional dependency can cause problems for travel partners.