Podcasts about Overspending

In this episode of The Wellegant Woman Podcast, we dive into the midlife money mindset—specifically why so many women over 40 struggle with money anxiety, scarcity mindset, overspending, and the emotional side of finances. Instead of talking budgets or spreadsheets, we explore the deeper patterns: cultural conditioning around women and money, nervous system dysregulation, emotional spending, people-pleasing, performative generosity, and the approval loop that keeps women stuck in financial stress.You'll learn why midlife is the turning point where old money stories become intolerable, how the holidays often trigger money-related overwhelm, and how to start building a healthier, more empowered relationship with money rooted in alignment, worthiness, and calm confidence. If you've ever felt stressed about money—even when your finances are “fine”—this episode will feel like a breath of relief. Send a Text Message :)

A soothing December reset for women who overspend, overgive and overstretch themselves during the holidays. Katie shares a mindful breathwork pause, explores the emotional patterns behind people-pleasing and money pressure, and celebrates the launch of My Million Dollar Experiment 2, now charting globally. A gentle invitation to choose peace, boundaries, and self-kindness this season.  Watch the Zero Limits Movie on Amazon Prime or Apple TV  https://zerolimitsmovie.com/katiec .  Leave a short review on IMDb or Amazon to ripple this message further. Zero Limits (2025) - IMDb   Subscribe to both Soulful Valley Podcast & She Invests Intuitively to stay in the miracle flow. She Invests Intuitively Podcast – Soulful Valley

Money is never just about numbers; it is about identity, belonging, and whether you feel you have options. In this candid conversation, Dr. Felecia Froe sits down with financial services professional, author, and nonprofit founder Michelle Campbell to trace her journey from five evictions, four repossessions, three bankruptcies, and over half a million dollars in debt to becoming a fierce advocate for financial literacy and social change.    Together, they unpack the emotional roots of overspending, why shame and silence keep people stuck, and how working-class earners are often the most overlooked when it comes to support and education. You will hear how Michelle connected her money patterns to a childhood wound, rebuilt her financial life by facing every envelope and every number, launched her nonprofit Hashtag Stability to serve people facing homelessness and financial crisis, and now uses tax law, planning, and advocacy to help others avoid the traps she fell into.    00:00 – From Omaha To Overwhelmed 05:58 – The Personal Side Of Financial Literacy 16:12 – Belonging, Overspending, And Rewriting The Story 26:34 – Hashtag Stability And The "Hidden Demographic" 38:23 – Money, Mental Health, And Access To Knowledge 48:17 – Tax Shell, Planning, And Choosing A Different Future  

How do you stay generous at Christmas without blowing your budget?In this special episode, Jonathan joins Sarah on Morning Air (Relevant Radio) to talk through practical, realistic ways to navigate Christmas spending with clarity and peace.They cover:• How to set a Christmas budget that actually works• Why breaking your plan down person by person matters• What to do when a gift you love is outside the limit• How couples can team up on the Christmas budget• How to talk with family about scaling back traditions• Simple ways to avoid the post-Christmas credit-card hangover• Why stewardship—not stress—is the heart of Catholic gift-givingWhether you're aiming to stay debt-free this season or want a calmer approach to holiday spending, this conversation gives you the tools to plan well and stay grounded.

Hour 3 for 12-1-25 Drew is joined by Kevin Appleby to talk about the recent comments made by President Donald Trump in regards to limiting immigration from Third World Countries (6:24). Later on Paul Oster discusses holiday overspending (31:59) Resources: Center for Migration Studies: https://cmsny.org/ Better Qualified: https://betterqualified.com/home

The holiday season often pressures us to overspend, leaving many feeling financially overwhelmed and out of control. In this episode, I reveal strategies to help you stay grounded and manage your finances effectively during the holidays, enabling you to enter January with financial confidence and peace of mind. You'll learn:✅ How to decide ahead of time what you want to spend and why it matters.✅ Ways to change spending norms, especially for the eldest daughters carrying family expectations.✅ The power of visualizing your January financial goals to make grounded spending decisions.✅ How to find meaningful, low-cost gift options that align with your budget and values.Book a call to learn about my 1:1 money coaching program here: https://www.buildinggenwealth.com/work-with-me

The holidays don't have to mean financial chaos.In this episode of Money Files, I'm breaking down The Holiday Money Myth, the belief that you have to choose between joy and financial peace. Every year, we get caught in the same cycle: overspending in November and December, then starting January in regret and survival mode. But it doesn't have to be that way.I'll walk you through how to redefine what generosity, connection, and celebration look like, without defaulting to debt or fake math. You'll learn how to set a realistic holiday spending number, plan for emotional triggers, and create meaningful experiences that don't cost your financial peace.You'll also hear practical steps to help you manage your holiday spending in alignment with your goals, from setting clear boundaries to maintaining your weekly money dates through the season.Listen in to learn:[01:10] Why the Holiday Money Myth keeps you stuck in overspending cycles[03:25] How fear and guilt drive holiday spending habits[05:15] How to define what joy and connection truly mean for you[07:30] Setting your total holiday spending number based on real math[09:50] How to give meaningful gifts without going into debt[12:20] Managing emotional spending triggers during the holidays[14:40] Why maintaining weekly money dates keeps you grounded[15:55] How to enjoy the season without sacrificing your goalsTune into this episode of Money Files to learn how to enjoy the holidays without falling into the trap of overspending. It's time to rewrite your holiday story, with intention, generosity, and financial peace.Get full show notes and the episode transcript: https://wealthovernow.com/how-to-enjoy-the-holidays-without-overspending-or-debt/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan

It's the most wonderful time of the year and, if you're not careful, it could be the most expensive. The day after Thanksgiving has historically been the official start of the holiday shopping season, but we've been seeing Black Friday deals advertised earlier each year.Moreover, Americans are increasingly concerned about the rising costs of food, housing and health care. Throw in the longest government shutdown in U.S. history and recession-level layoffs in the private sector and money might be tight for many households this holiday season.Personal finance columnist Michelle Singletary joins host Colby Itkowitz and explains how you can avoid overspending on gifts and holiday celebrations. Singletary gives us permission to scale back for the holidays and prioritize togetherness over consumerism.Today's show was produced by Charla Freeland. It was edited by Reena Flores and Ted Muldoon and mixed by Sean Carter. Subscribe to The Washington Post here.

Is my child too spoiled? If you're even asking, that means you're spending a good amount of money on your kids. We get it. Youth sports, music lessons, and all those extracurriculars add up, but does that equal a spoiled kid? In this episode of the All Pro Dad Podcast, host Ted Lowe is joined by BJ Foster and Bobby Lewis to talk about how much we're spending on our children and if that's even a bad thing. Why This MattersStewarding our money well is one way we love our families. Potential Problems of Overspending on Our Kids1. Kids may get used to receiving all the time.2. It demonstrates a lack of self-control by Dad. 3. It contributes to kids' anxious feelings. 4. Parents may feel financial strain. 5. The line between need and want gets blurred. What Can Dads Do?Action Step 1: Take a hard look at your spending habits around your child. Is it excessive? Action Step 2: Take a hard look at what your spending habits around your kids is doing to you. Are you overextended and stressed out about money? Important Episode Timestamps00:00 – 01:19 | How Much Are We Really Spending on Our Kids?01:19 – 03:51 | Am I Overspending or Just Feeding Them?03:51 – 05:35 | Theme Parks, Passes, and Pricey Memories05:35 – 09:03 | Did Our Parents Overspend? Not Even Close09:03 – 10:37 | The Gas-Money Jar Strategy10:37 – 13:48 | “This Isn't Fair!” and the Car Lesson That Stuck13:48 – 17:53 | Overspending Sets an Example—Good or Bad17:53 – 21:20 | Needs vs. Wants: The Hockey Equipment Breakdown21:20 – 25:57 | Am I Buying This for Them… or for Me?25:57 – End | Pro Move: Identify 2-3 significant items or experiences you've provided for your child, and ask yourself: What lesson is it teaching them about money, patience, and value? If the answer isn't clear, or feels negative, hit the brakes and reconsider. All Pro Dad Resources Episode 56: Dale Alexander: How Do We Teach Our Kids About Money?Episode 57: Dale Alexander: What Should Ever Dad Know About Managing Money?3 Ways to Think Differently About YourWe love feedback, but can't reply without your email address. Message us your thoughts and contact info!Connect with Us: Ted Lowe on LinkedIn Bobby Lewis on LinkedIn BJ Foster on LinkedIn Subscribe on Apple Podcasts Get All Pro Dad merch! EXTRAS: Follow us: Instagram | Facebook | X (Twitter)Join 200,000+ other dads by subscribing to the All Pro Dad Play of the Day. Get daily fatherhood ideas, insight, and inspiration straight to your inbox.This episode's blog can also be viewed here on AllProDad.com. Like the All Pro Dad gear and mugs? Get your own in the All Pro Dad store.Get great content for moms at iMOM.com

Costs creep up when you're feeding a family and homeschooling full-time. Today, Jenny Martin—founder of Southern Savers and homeschool mom of five— shares the simple system that cut her grocery bill by $500 in one month (18 years ago!), how to stock up the right way (without hoarding), where to find the best meat prices, and how to turn everyday shopping into a discipleship lab for financial stewardship. We also hit end-of-year power moves—IRAs, HSAs, insurance choices, and the 30-day “impulse pause” your kids (and you!) can actually use. This episode is a goldmine for homeschool families seeking to manage their finances wisely. Key Topics Covered: The 6-week grocery sale cycle and why buying only what's on sale changes everything Bulk meat the smart way (restaurant supply stores + vacuum sealing) Digital couponing that kids can run (Ibotta, Fetch, store apps) Delivery/pickup realities: when it saves time and when it costs more Homeschool savings: used curriculum, shared labs, fewer-but-better activities Discipleship through money: allowances vs. responsibilities, the 30-day want list Year-end checkups: IRAs (through April), HSA + high-deductible plans, tax withholding tune-up Resources mentioned Southern Savers (Connect with Jenny, grocery lists, weekly deals, Monday 8:30pm ET Q&A) Apps: Ibotta, Fetch, and your store's digital coupons (Publix, Kroger, CVS, Walgreens) Restaurant supply: US Foods Chef'Store, Gordon Food Service (regional) IRS Withholding Calculator (for a quick year-end check) Liberty University / LUOA: K–PhD pathways with a Christ-centered foundation. Teach Them Diligently 2026: Pigeon Forge, TN & Branson, MO (both in May). Buy early for best pricing at teachthemdiligently.net/events. Connect With Us: Instagram: @TeachThemDiligently Facebook: Teach Them Diligently YouTube: Teach Them Diligently Channel Subscribe + Share: If this episode helped you, take a minute to subscribe, rate, and share with another homeschool family. We sure would be grateful! Pack Shoeboxes and Earn Family Passes to Teach Them DiligentlyIf your family, co-op, church group, or community packs at least 25 shoeboxes, we would love to bless you with a free family registration in return. If you're a group, you can use that registration for your leader, as a raffle item or fundraiser, or to bless a specific family in your group. We will donate a registration for every 25 boxes you pack. Click HERE to find out how your group can be involved

If you're tired of overspending — whether you never stick to your plan or you blow your budget on random Tuesday trips — this episode gives you four simple “batching” strategies to keep your spending under control.You'll learn how to batch:Monthly essentials so you stop making extra trips (and extra purchases).Seasonal clothing so you only buy what you truly need.Gift giving (holidays + kid birthdays) so you stop forgetting what you already bought.Groceries so you avoid impulse buys and over-the-top shopping.Batching helps you spend on purpose instead of on autopilot — giving you more freedom, less stress, and money for what matters most.

The silly season is here! But, of course, so are the ongoing bills and cost of living crunch. In this festive episode, Jennie and Liv tackle one of the toughest challenges of the year: how to enjoy Christmas without blowing the budget. They share some practical, creative ideas for saving money, setting expectations with family, and finding fun in over summer even when times are tough.This episode covers: • How to set realistic expectations with friends and whānau around Christmas spending • Creative ways to save money on food, gifts, and decorations • Potluck dinners, Secret Santas and DIY gifts that still feel special • Reframing the guilt around money and celebrating what really matters • Why it's okay to focus on “now” instead of “later” when times are toughResources mentioned in this episode:- Simplicity KiwiSaver & Investment Funds – gift a KiwiSaver or investment fund contribution this Christmas: https://simplicity.kiwi/gifting-funds- Auckland Council – Movies & Music in Parks (free local experiences): aucklandcouncil.govt.nz- City Mission Christmas Appeals – donate food or gifts: aucklandcitymission.org.nzChristmas doesn't have to mean chaos - or credit card debt. We're here to remind you that joy doesn't come from spending big, but from connection, creativity, and community. Whether it's a kindness advent calendar, a thrifted Secret Santa, or simply a beach breakfast in your togs and PJs, there are plenty of ways to make the season special (and stress-free) on any budget.---Please help us share the good word (and make Kiwis richer and smarter with money) - the more we grow, the more good we can do %) Don't forget to follow, subscribe and rate the podcast if you found it useful!Find us: InstagramFacebookLinkedInDisclaimer: This podcast contains personal opinions and is intended to provide educational information only. It doesn't relate to your particular financial situation or goals and is not financial advice or recommendations. Simplicity New Zealand Limited is the issuer of the Simplicity KiwiSaver scheme and investment funds. For product disclosure statements please visit Simplicity's website simplicity. kiwi.

Send us a textThere's a voice in your head that's been quietly draining your wallet—and she sounds so reasonable.  “It's just $12.”  “You deserve it.” “This will finally fix everything.”That's not logic. That's your inner critic—a subconscious program designed to keep you safe through control, comparison, and consumption. And right now, as the holidays ramp up, she's the loudest she's been all year.In this episode of The Cosmic Valkyrie Podcast, Lynn Louise Larson—Master Certified Hypnotist and creator of the Evolution 10X Method—pulls back the curtain on how your critic hijacks your brain's reward system and tricks you into emotional spending. You'll learn the neuroscience and energetic mechanics behind impulse buying, why dopamine keeps you chasing that “quick fix,” and how to shift from willpower to alignment.

Why do so many Christians want to give more—but feel like they can't?Most of us want to be generous, but there are often barriers—spiritual, financial, or even emotional—that hold us back. Today, Ron Blue joins us to unpack five key reasons why Christians don't give more, and how we can begin climbing toward greater generosity.Ron Blue is a financial teacher, author, and co-founder of Kingdom Advisors. He has helped countless Christians apply biblical wisdom to their finances and is best known for his bestselling book, Master Your Money: A Step-by-Step Plan for Financial Contentment.Five Barriers to Generosity—and How to Overcome ThemGenerosity is one of the greatest marks of spiritual maturity, yet many Christians find themselves wanting to give more but feeling unable to do so. Over the years, most believers face five primary barriers to generosity. These form a kind of “pyramid,” with each level building on the one below it. The journey toward greater giving begins with the heart and ends with intentional planning.1. Spiritual Condition: The Foundation of GenerosityBefore generosity ever shows up in our bank accounts, it begins in our hearts. When we grasp who God is, who we are, and the grace that has been extended to us, generosity naturally flows from that understanding.The more we understand God's ownership and our role as stewards, the more we want to give. Spiritual maturity is the foundation—without it, our giving will always feel like an obligation instead of an act of worship.2. Financial Health: Creating Margin to GiveEven when our hearts are in the right place, poor financial habits can make generosity difficult. Many believers simply can't give more because they're weighed down by debt, overspending, or disorganization.It often takes time—sometimes even years—to align our finances with our convictions. That might mean getting out of credit card debt, restructuring a business, or learning to live within our means. When we get our financial house in order, we create margin for generosity to flourish.3. Vision: Seeing Where God Is WorkingPeople don't give to spreadsheets or buildings—they give to vision. When we can picture the impact of our giving, we're motivated to invest more deeply.A clear vision fuels generosity. Ask yourself: Where has God stirred my heart? What Kingdom work do I feel most passionate about? When we see how our resources can change lives—whether feeding children, funding missions, or supporting local ministries—we begin to give with joy and purpose.4. Community: Encouragement from OthersGenerosity rarely happens in isolation. We need relationships that encourage us to live open-handedly. When we surround ourselves with generous people—friends who talk about giving, pray about giving, and celebrate giving—we're inspired to do the same.Scripture reminds us that we are to “spur one another on toward love and good deeds” (Hebrews 10:24). Community reminds us that generosity isn't just an individual act—it's part of how the body of Christ functions together.5. Planning: Giving with IntentionFinally, generosity grows through intentional planning. I've seen it over and over in my work as a financial planner: when people create a plan for their giving, their generosity increases dramatically—sometimes fivefold.A plan brings clarity and purpose. It helps you set a “finish line” for lifestyle and accumulation so you can redirect more toward eternal purposes. Without a plan, even well-intentioned believers often give sporadically or reactively. With one, generosity becomes a consistent and joyful part of life.Moving Toward Greater GenerosityThese five layers—spiritual condition, financial health, vision, community, and planning—build upon each other. Each represents a step toward living and giving as God intended.So, which one are you ready to work on today?The journey toward generosity isn't about guilt—it's about grace. As we align our hearts, habits, and plans with God's purposes, we discover the joy of giving that truly reflects His character.On Today's Program, Rob Answers Listener Questions:I'm considering a reverse mortgage and wondering—if I were to get one—whether my creditors could come after the proceeds.How can younger people today start building wealth? What are some practical strategies to grow financially—and how can we stay positive and motivated when so many in our generation don't seem to think that way?I run a small architecture business, but my income has been inconsistent over the past few years. My financial advisor suggested I take a salaried job to help pay down debt and stabilize our family's finances. If I do that, how should I communicate with a potential employer that I'd like to keep my business on the side—and is that even wise to do?I've been researching digital currencies and the broader move toward electronic money. With more people, including political figures, showing support for it—and with lower fees and more direct transactions—what's your take on where this is heading?My husband is 65 and retired, and I'm 56 and still working. I've heard that a spouse can collect half of the other's Social Security benefit once they reach a certain age. Is that true, and how does it work?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Open Hands FinanceWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, we're talking about how to restock your pantry intentionally after the Pantry Challenge so you can avoid waste, overspending, and overwhelm. Brittany shares practical tips for creating a core pantry list that actually fits your family's needs, restocking slowly on a budget, and organizing for function over perfection. It's all about building a pantry that supports real life—not one that looks Pinterest-perfect.

Developing strong financial habits starts with understanding how you interact with money—both consciously and unconsciously. To truly make the most of what you earn, you need to uncover the hidden patterns in your spending and recognize where money might be slipping away. So, what everyday habits could be quietly draining your wallet without you even realizing it?   Links: Want lower interest rates? Contact Triangle Credit Union for more information on debt consolidation options Keep better track of your expenses with our Money Management tool within online banking Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union   Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.   In order for us to live financially free lives, we need to take charge of ALL the ways we spend money. Part of taking charge involves recognizing all the productive and unproductive ways we're spending our money.   Last week we covered five sneaky ways our habits can drain our wallets and this week I'm going to present five more for you to be aware of.  Exorbitantly High Interest Loans High-interest loans—like payday loans, certain credit cards, or quick cash advances—can trap you in a relentless cycle of debt. What starts as a short-term fix often turns into long-term financial strain, with interest piling up faster than you can pay it down. These types of loans are especially risky in tough economic times, when borrowing may feel like the only option. Unfortunately, the high rates make it difficult to catch up, and the stress of mounting debt can affect your overall financial health.  If you recently discovered you're paying a lot of money towards high-interest debt, explore alternatives like refinancing, balance transfers to lower-interest cards, or consolidating debt through a reputable lender. If you're unsure where to start, speaking with a financial advisor or nonprofit credit counselor can help you find safer, more sustainable solutions.   Overspending on Convenience Services Food delivery, express shipping, and pre-packaged items are all about ease—but that convenience comes at a cost. Whether it's the markup on restaurant meals, the extra fees for rush shipping, or the premium price of ready-made products, these small expenses can quietly snowball into a major budget drain. It's tempting to lean on these services when life gets busy, but using them regularly can eat into your finances more than you might expect. In today's economy, where every dollar matters, convenience should be a conscious choice—not a default habit.   Plan ahead to reduce reliance on convenience services. Cooking at home, batching errands, or choosing standard shipping instead of express can lead to meaningful savings without sacrificing too much comfort.  Lifestyle Inflation As income grows, spending often grows right along with it—a phenomenon known as lifestyle inflation. It's easy to justify upgrades like a nicer car, more frequent dining out, or luxury gadgets when you're earning more, but these habits rarely improve long-term financial security. In fact, they can quietly prevent you from building savings, investing, or reaching bigger financial goals. Without a plan, higher income can lead to higher expenses and little progress.   Keep your lifestyle modest even as your earnings rise. Automate savings so a portion of your income goes directly into a savings or investment account, and set clear financial goals to stay focused. That way, you can enjoy your success without letting it slip through your fingers.  Buying Low-Quality Items That Need Frequent Replacement Cheap products may seem like a bargain at first glance, but poor quality often leads to more frequent replacements—costing you more over time. Whether it's clothing that wears out after a few washes, electronics that break down quickly, or furniture that doesn't hold up, these purchases can become a cycle of spending that feels never-ending. In the long run, constantly replacing low-quality items can drain your budget and leave you frustrated. Plus, the environmental impact of disposable goods adds another layer of cost that's easy to overlook.  Invest in durable, well-reviewed items when possible. While the upfront cost may be higher, quality purchases tend to last longer, perform better, and offer greater value—saving you money and hassle down the road. Overpaying for Expensive Brand Names Premium brands often charge significantly more for products that offer similar quality to generic or store-brand alternatives. While the packaging and marketing may be more polished, the actual performance or ingredients are often nearly identical. In many cases, you're paying extra for the name, not the value. This is especially true with household goods, groceries, and personal care items, where brand loyalty can overshadow smart spending. Over time, these brand-based purchases can quietly inflate your expenses without delivering better results.  Take a moment to compare ingredients, reviews, and performance before buying. You might be surprised to find that a lower-cost alternative works just as well—or even better—than the name-brand version.  Being mindful of these habits doesn't mean you have to live ultra-frugally or give up the things you enjoy. It's about making smarter choices that align with your financial goals. A few small changes can lead to big savings—and a lot less stress when you check your bank account.  That concludes this week's list of five more sneaky habits that can drain your wallet. If you didn't catch the first five, check out last week's Money Tip for the rest of the list.  If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org and don't forget to like and follow our Making Money Personal FB page and look for Triangle on Instagram and LinkedIn to share your thoughts.  Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast.   Have a great day! 

Snag Our Simplified Budget System!Most people think budgeting means cutting back and saying “no” to everything fun — but we're here to tell you it's actually about saying yes! Yes to dinner out. Yes to vacations. Yes to the things you love — but with cash in hand and zero stress.In this episode, we wrap up the Budget Besties Method with Step 8: Be Bougie on a Budget. You'll hear how real clients and friends are living their best lives — from country clubs and horses to golf memberships and healthy food — all while sticking to their budgets. Because “bougie” looks different for everyone, and it's not about how much you spend; it's about spending with intention.Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don't need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We'll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!"

We've all done it - spent money we didn't plan to spend on something we didn't really need. As we continue our Over It: When Enough is Enough series, we get real about overspending. It's easy to blame overspending on not having enough money - but it's not. We spend for all sorts of reasons we don't usually admit. Comfort. Control. Validation. And while some purchases bring real joy, most are nothing more than temporary hits of dopamine, pulling focus from our goals, draining our bank account, and stealing our peace of mind. Every swipe, every click, every impulse purchase isn't just spending money — it's a choice about where our attention, energy, and resources go. It's time to be honest about how we're spending and why we've stopped hesitating before handing over that card. This isn't about needing more money - it's about paying attention to what we're really chasing when we spend it

In today's BizNews Briefing: Ahead of next week's medium-term budget, economist Dawie Roodt joins Alec Hogg to unpack South Africa's fiscal tightrope - from government overspending and tax fatigue to the limits of squeezing more revenue out of a struggling economy. A reflection on why bread-and-butter issues are finally starting to outweigh political loyalties for voters.

Swiss cheese agreements. Overspending by big tech - could that be their  downfall? A rate cut in the dark and AI's Impact on Future Workforce. Guest: Vitaliy Katsenelson is discussing the basic math of the markets, including where to actually find bargains. NEW! DOWNLOAD THIS EPISODE'S AI GENERATED SHOW NOTES (Guest Segment) Follow @andrewhorowitz Vitaliy Katsenelson, born  and raised in Murmansk, Russia (the home for Russia‘s northern navy fleet, think Tom Clancy‘s Red October). Immigrated to the US from Russia in 1991 with all his  family three brothers, father, and stepmother. His  professional career is easily described in one sentence: He invest, He educates, he writes, and he could not dream of doing anything else. He is Chief Investment Officer at Investment Management Associates, Inc (IMA), a value investment firm based in Denver, Colorado. After he received his  graduate and undergraduate degrees in finance (cum laude) from the University of Colorado at Denver, and finished his  CFA designation, he wanted to keep learning. He figured the best way to learn is to teach. At first he taught an undergraduate class at the University of Colorado at Denver and later a graduate investment class at the same university that he designed based on his  day job. He found that the university classroom was not big enough, so he started writing. He writes a monthly column for Institutional Investor Magazine and he has  written articles for the Financial Times, Barron‘s, BusinessWeek, Christian Science Monitor, New York Post, and the list goes on. He was profiled in Barron‘s, and has  been interviewed by Value Investor Insight, Welling@Weeden, BusinessWeek, BNN, CNBC, and countless radio shows. Vitaliy has authored the Little Book of Sideways Markets (Wiley, 2010) and Active Value Investing (Wiley, 2007). Follow @vitaliyk Check this out and find out more at: http://www.interactivebrokers.com/ More information available on Horowitz & Company's TDI Managed Growth Strategy Stocks discussed this week (ORCL), AMZN), (MSFT), (DIS), (AMD), (NVDA), (NOK)

TOP STORIES - The death toll rises as Hurricane Melissa leaves widespread destruction across Jamaica, Haiti, and Cuba. Florida CFO Blaise Ingoglia accuses Miami-Dade County of overspending more than $302 million, while State Farm announces rate cuts for Florida drivers. Plus, three Florida cities earn top spots for Halloween celebrations — and we share this year's best Halloween discounts and freebies.

TOP STORIES - The death toll rises as Hurricane Melissa leaves widespread destruction across Jamaica, Haiti, and Cuba. Florida CFO Blaise Ingoglia accuses Miami-Dade County of overspending more than $302 million, while State Farm announces rate cuts for Florida drivers. Plus, three Florida cities earn top spots for Halloween celebrations — and we share this year's best Halloween discounts and freebies.See omnystudio.com/listener for privacy information.

Your social calendar is packed and your bank account is nervous! Tamara and Lucinda are here to save both your style and your savings with their event dressing masterclass. They're breaking down the viral "white tank theory" that's taking over TikTok - basically, if you can walk into a party in a basic singlet and still be the chicest person there, you're officially "that girl." But how do you actually pull it off without looking underdressed? Lucinda drops the most organised friend group hack ever - they coordinate buying different pieces from expensive brands so they can all borrow complete designer looks from each other. EVERYTHING MENTIONED: Tam's Boujie: The Frankie Shop Aeson jersey maxi skirt $260 Lucinda's Boujie: The Dress All The Bad Boys Like by Maggie Marilyn $895 Tam's Budget: Bayse Cassia Tank - White $49.95 Lucinda's Budget: Lioness Balmy Jacket $89 GET YOUR FASHION FIX: Watch us on Youtube this episode goes live at 8pm tonight! Follow us on Instagram Want to shop the pod? Sign up to the Nothing To Wear Newsletter to see all the products mentioned plus more, delivered straight to your inbox after every episode. Feedback? We’re listening! Call the pod phone on 02 8999 9386 or email us at podcast@mamamia.com.au Discover more Mamamia Podcasts here CREDITS: Hosts: Tamara Holland & Lucinda Pikkatt Producer: Ella Maitland Audio Producer: Tegan Sadler Video Producer: Artemi Kokkaris Just so you know — some of the product links in these notes are affiliate links, which means we might earn a small commission if you buy through them. It doesn’t cost you anything extra, and it helps support the show. Happy shopping! Mamamia acknowledges the Traditional Owners of the Land we have recorded this podcast on, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present, and extend that respect to all Aboriginal and Torres Strait Islander cultures.Become a Mamamia subscriber: https://www.mamamia.com.au/subscribeSee omnystudio.com/listener for privacy information.

Ever glance at your bank account and wonder, “Where did it all go?” Impulse buys might be the usual suspects, but they're just the beginning. In today's economy—where every dollar counts—there are plenty of subtle ways money slips through the cracks. Some are so routine habits that could be draining your wallet, and you might not even notice them.  Links: Keep better track of your expenses with our Money Management tool within online banking Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union   Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.   In a time when prices seem to rise faster than paychecks, keeping track of your spending is more important than ever. Yet even the most budget-conscious among us can fall into habits that quietly drain our finances. From everyday conveniences to overlooked fees, these money leaks often go unnoticed until it's too late. The good news? Most of them are fixable with a few smart tweaks.   This tip is part one of two tips that will cover ten sneaky yet common budget busters. Here are the first five.   Throwing Away Wasted Food Buying groceries with good intentions only to toss them out a few days later is a quiet but costly habit. Whether it's forgotten leftovers, produce that never made it into a meal, or bulk items that seemed like a good deal at the time, food waste can add up fast—and so does the money lost with it. In today's economy, where grocery prices continue to climb, letting food go unused is like throwing cash straight into the trash. The problem often stems from lack of planning or overestimating what we'll actually eat during the week. Plan meals before shopping and stick to a list that reflects your actual schedule and appetite. Explore tools like dinner planning apps or notebooks to keep your meal plan organized and easy to follow.   Overspending on Dining Out Takeout and restaurant meals are undeniably convenient—especially after a long day—but that convenience comes at a steep price. With rising food costs, service fees, and delivery charges, even a quick bite can end up costing double what it would to make at home. It's easy to fall into the habit of dining out regularly without realizing how much it's impacting your budget. Over time, those small splurges can add up to hundreds of dollars a month. Set a realistic weekly dining-out budget and explore simple, quick recipes that make cooking feel less like a chore. Even swapping just a few restaurant meals for homemade ones each week can lead to noticeable savings—and might even spark a new love for cooking.  Impulse Purchases Online shopping makes it incredibly easy to buy things on a whim—just a few clicks and it's on its way to your doorstep. These impulse purchases often feel satisfying in the moment, but they can quickly lead to regret, clutter, and a shrinking bank balance. With targeted ads and flash sales constantly vying for your attention, it's easy to convince yourself that you need something you didn't even know existed five minutes ago. Over time, these small, unplanned buys can add up to a significant drain on your finances. Curb this temptation with the 24-hour rule—wait a full day before buying non-essential items. This simple pause gives you time to reflect on whether the purchase is truly worth it or just a fleeting desire.  Paying for Unused Subscription Services Streaming platforms, mobile apps, and memberships can quietly renew month after month—even if you've completely forgotten about them. It's easy to sign up for a free trial or a service you might use, only to let it slip under the radar while the charges keep rolling in. These recurring expenses may seem small individually, but together they can take a noticeable bite out of your budget. In a subscription-heavy world, it's more important than ever to stay on top of what you're actually using. Make it a habit to review your subscriptions every few months and cancel anything you haven't used recently. Budgeting apps and digital wallets often have built-in tools to help track and manage recurring payments, making it easier to spot and stop the ones that no longer serve you.  Fees on Late or Missed Payments Late fees and penalties are completely avoidable, yet they remain one of the most common and frustrating money drains. Whether it's a missed credit card payment, a forgotten utility bill, or a delayed loan installment, these charges can pile up quickly and quietly. Beyond the immediate financial hit, they can also damage your credit score—making future borrowing more expensive or even inaccessible. In a busy world, it's easy to overlook due dates, but the consequences can linger far longer than the oversight. Set up automatic payments for recurring bills whenever possible, and use calendar reminders or budgeting apps to track due dates. A little organization now can save you from costly mistakes later.   That concludes this week's list of 5 ways we tend to waste money. Next week I'll present 5 more, so make sure to tune in and take a listen! Ther may be some you haven't heard of before!  If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org and don't forget to like and follow our Making Money Personal FB page and look for Triangle on Instagram and LinkedIn to share your thoughts.  Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast.   Have a great day!   

Wholesale stores like Costco, Sam's Club, and BJ's promise big savings-but are you really saving money, or just buying more than you need?In this episode, we break down the smartest ways to shop wholesale: what to buy, what to skip, and how to maximize your membership. From bulk bargains to hidden deals, we'll uncover the shopping strategies that actually stretch your dollar without wasting it.Perfect for anyone who loves a good deal (or wants to stop overspending at the warehouse club).

Te Pāti Māori's behaviour is once again a topic of discussion following bill burning and allegations of over-spending this week. Barry Soper told Heather du Plessis-Allan that Te Pāti Māori 'shouldn't be anywhere near Government'. Soper identified a possible link between the ongoing party controversies and it's culture of nepotism. LISTEN ABOVESee omnystudio.com/listener for privacy information.

How good are you at "spending money"? ✅In this episode, I'm breaking down the 4-part Intentional Spending Framework I teach my clients to help them spend in a way that actually feels good, not chaotic or restrictive, but aligned and empowering. You'll learn:✅ How to align your spending with your values and life goals✅ What to ask yourself to know if a price actually feels “worth it”✅ Why overspending isn't always a mistake if it's conscious and deliberate✅ How this framework helps you stay on track financially without living in restrictionIf you've ever thought, “I just want to spend money without feeling bad about it later,” this episode is for you.Want to learn more? Book a 1:1 Money Coaching call: https://www.buildinggenwealth.com/work-with-me

Learn how to automate tasks, save time, and increase your profit. No Coding required!

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3325: Mr. Finer breaks down the subtle yet powerful trap of lifestyle inflation, showing how incremental upgrades in spending can quietly sabotage financial independence. By focusing on maximizing happiness and utility instead of status, he offers clear strategies to recognize and resist the pressure to constantly "upgrade" your life. Read along with the original article(s) here: https://mrfiner.com/why-lifestyle-inflation-is-harmful-and-how-to-avoid-it/ Quotes to ponder: “There is enough to meet everyone's needs but not enough to meet everyone's greed!” “Lifestyle inflation is like a hole in a tire. You can pump in air, but the tire will not get full until the hole is plugged.” “Maximize for happiness, not for status.” Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you secretly believe the more expensive or extravagant the gift, the more love it shows? In this episode, Paige pulls back the curtain on the gift-giving guilt spiral that fuels so much unnecessary overspending — especially during the holidays. She explores why we associate “meaningful” with “expensive” or “voluminous,” how our culture reinforces that belief, and why even thoughtful gift-givers can feel depleted, resentful, or broke. You'll learn: • Why we confuse financial sacrifice with emotional significance • The surprising science of what recipients actually value most • How to give (and receive) gifts without losing yourself in the process Whether you're a gift-lover or gift-averse, this episode will help you untangle your spending from your self-worth — and finally take back control of your gift-giving with clarity, compassion, and intention.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3325: Mr. Finer breaks down the subtle yet powerful trap of lifestyle inflation, showing how incremental upgrades in spending can quietly sabotage financial independence. By focusing on maximizing happiness and utility instead of status, he offers clear strategies to recognize and resist the pressure to constantly "upgrade" your life. Read along with the original article(s) here: https://mrfiner.com/why-lifestyle-inflation-is-harmful-and-how-to-avoid-it/ Quotes to ponder: “There is enough to meet everyone's needs but not enough to meet everyone's greed!” “Lifestyle inflation is like a hole in a tire. You can pump in air, but the tire will not get full until the hole is plugged.” “Maximize for happiness, not for status.” Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3325: Mr. Finer breaks down the subtle yet powerful trap of lifestyle inflation, showing how incremental upgrades in spending can quietly sabotage financial independence. By focusing on maximizing happiness and utility instead of status, he offers clear strategies to recognize and resist the pressure to constantly "upgrade" your life. Read along with the original article(s) here: https://mrfiner.com/why-lifestyle-inflation-is-harmful-and-how-to-avoid-it/ Quotes to ponder: “There is enough to meet everyone's needs but not enough to meet everyone's greed!” “Lifestyle inflation is like a hole in a tire. You can pump in air, but the tire will not get full until the hole is plugged.” “Maximize for happiness, not for status.” Learn more about your ad choices. Visit megaphone.fm/adchoices

Leave Health Bite a Feedback.Click This Link.Your reactivity isn't a character flaw—it's hardwired into your biology. But that doesn't mean you have to be hijacked by it.In the last 24 hours, you've probably reached for something—a handful of chips, a glass of wine, your phone. You've flipped through Instagram to Amazon to emails back to Instagram again. You've tried to distract yourself with eating, shopping, scrolling, overworking.In this transformative episode, Dr. Adrienne Youdim reveals how the same biology that drives public outbursts is also behind our private struggles—and more importantly, how to flip the script on reactivity.What You'll Learn:Why reactivity is biology, not weakness. The hidden hungers driving your behavior. The pause that changes everything " When you create space between trigger and reaction, reactivity transforms into resilience. "— Dr. Adrienne YoudimThe Biology Behind ReactivityOur nervous system was created to scan for threats and get us out of harm's way quickly. But what was once protective has become maladaptive, showing up in how we relate to ourselves and others.Where Reactivity Shows Up:Reaching for food, alcohol, or your phone automatically. Lashing out at partners. Overspending, overworking, people-pleasing. The same biology behind public outbursts drives our private struggles.The Four Types of Hunger:Physical: Your body needs nourishment—food, rest, sleep, movement. Cook real meals, get seven hours of sleep, take a 10-minute walk.Emotional: Stop seeking validation externally. Recognize you are enough, just as you are. Offer yourself the validation you seek.Spiritual: You're trying to control everything. Step back, surrender, recognize you can't do it all. Lean into service or something beyond your tangible life.Relational: Where are you not present? Are you distracted with your children? Hiding behind texts instead of showing up vulnerably?The Power of the Pause:When you create space between trigger and reaction, reactivity transforms into resilience. Your hunger is a message—something needs your care. That space is where you live authentically and aligned with your deepest values.Explore Additional Resources From Dr. Adrienne:Buy the Book: Hungry for More (Amazon & Audible)30-Day Journaling ProgramPast episodes of HealthBite3 Ways that Dr. Adrienne Youdim Can Support You Subscribe to Dr. Adrienne's weekly newsletter https://www.dradrienneyoudim.com/newsletter Connect on Instagram : Follow @dradrienneyoudim for tips and inspiration on well-being and peak performance. Come back next week — Every episode of Health Bite explores the physical, emotional, and spiritual hungers that drive us, and delivers the essential “nutrients” you need to thrive.

Click Here to book your Complimentary Wealth Building Strategy Consultation. Want even more? Check out my Private Podcast—5 binge-worthy episodes you won't hear here. Click here to listen to this exclusive series. Follow Me on Instagram → @germainefoleycoaching

Te Pāti Māori has accused one of its MPs of "major overspending issues" and her son of abusing Parliamentary security. The late-night email sent to party members and obtained by RNZ makes a string of allegations against the MP Mariameno Kapa-Kingi - and her son Eru, a spokesperson for the Toitū Te Tiriti movement. Acting political editor, Craig McCulloch spoke to Lisa Owen. 

Come to a Dehoarding Accountability Zoom Session: http://www.overcomecompulsivehoarding.co.uk/ticket Subscribe to the podcast: https://www.overcomecompulsivehoarding.co.uk/subscribe Podcast show notes, links and transcript: http://www.overcomecompulsivehoarding.co.uk/  This week, let's revisit a brilliant conversation I had with money coach Paige Pritchard all about overspending, compulsive shopping, and resisting the urge to binge buy.  Get the full show notes and transcript here: https://www.overcomecompulsivehoarding.co.uk/podcast-ep-127-overcoming-overspending-with-paige-pritchard-money-coach/ 

Credit cards aren't the enemy—but how you use them determines whether they work for you or against you. In this episode, Paige breaks down how to build a healthy, empowered relationship with credit cards so they become a tool for your financial growth instead of a trap keeping you stuck in overspending, stress, and guilt. You'll learn: • The six essential habits of women who use credit cards responsibly (without slipping into debt) • Why paying your cards off in full doesn't always mean you're in the clear • How to spot if you're secretly living in the “credit card float”  • The mindset shifts that break emotional attachment to credit cards so you can finally feel free and in control again If you've ever told yourself, “But I pay them off every month,” or “I just use them for the points,” this episode will change the way you think about credit cards forever. It's time to use credit cards in a way that supports your goals, your peace, and your financial power.   Work with Paige: Join Crush Your Credit Card Debt Use code OOPOD50 at checkout to get 50% off your investment ONLINE MASTERCLASS: Why smart, successful women overspend - and what really works the break the cycle   Join Overcoming Overspending HERE Resources mentioned in this episode: Start a free 34-day trial with my favorite budgting software, YNAB (You Need A Budget) and get a free month when you subscribe   Connect with Paige Online: Her Website IG: @overcoming_overspending TikTok: @overcoming_overspending Subscribe to Paige's YouTube Channel

Hey Friend!   How often do you struggle with overspending? Well let me share a little secret with you. Overspending isn't an impulse buying problem, it's a not having a plan problem.    Plans that turn into systems, that turn into routines, that turn into habits are the key to staying on budget. So in this episode I am going to share with you three areas you should always have a plan for that will help keep you from overspending and on budget.    So go get your drink, open your heart to God and I'll see you inside!    Much Love    Molly    P.S. I want to invite you to grab some Budget Coaching. This is where I walk you through setting up your budget and coach you through sticking to it. To learn more, email me at mollybenell@gmail.com and let's get you out of the overwhelm and into confidence.  . . . Next Steps:  . Book a Call  . Join The Community  . Become an Insider . Questions? Email me at mollybenell@gmail.com

A West Monroe survey of over 300 U.S. executives finds that 86 percent of companies increased IT spending in the past year and 85 percent expect further increases, with 63 percent of leaders believing they spend more than competitors. Sixty-three percent report spending at least seven percent of company revenue on IT, and 23 percent allocate at least ten percent of their IT budget to artificial intelligence initiatives. Scaling AI and data capabilities is the top investment priority for 42 percent of companies, while 91 percent expect AI investments to drive tech spending higher. Only one percent anticipate significant headcount reductions from AI, while 25 percent expect hiring to increase.Learn more on this news by visiting us at: https://greyjournal.net/news/ Hosted on Acast. See acast.com/privacy for more information.

A survey by West Monroe found that 86 percent of U.S. companies increased IT spending in the past year, with 85 percent expecting further increases. Nearly two-thirds of executives believe they spend more on technology than their peers, leading to pressure to justify budgets. Sixty-three percent of leaders report allocating at least 7 percent of company revenue to IT, and 23 percent dedicate 10 percent or more of their IT budget to artificial intelligence initiatives. Scaling AI and data capabilities is the top investment priority for 42 percent of companies, while 91 percent predict AI will drive overall tech spending higher in the next year. Twenty-five percent expect AI initiatives to increase hiring, while only 1 percent foresee significant job reductions.Learn more on this news by visiting us at: https://greyjournal.net/news/ Hosted on Acast. See acast.com/privacy for more information.

EPISODE 95: WE CAN'T STOP OVERSPENDING Is it retail therapy or just financial self-sabotage? We put our money habits under the spotlight and expose the receipts. Feelings do get hurt, but that's the price of honesty when money is the one subject most families don't openly talk about.  Tune in and let us know who you resonated with the most, and what's a no brainer purchase of yours you will always justify.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

Get a free audit of your indemnity cover here >>> https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/———————————————————————Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/the-top-5-reasons-dentists-are-overspending-on-their-income-protection-with-luke-hurley———————————————————————Are you a dentist looking to grow your wealth? You can connect with Luke here: https://www.viderefinancial.com/investment-options-review———————————————————————What happens to your financial security when you can't practice dentistry? For most dental professionals, income protection represents the cornerstone of financial planning, yet it remains riddled with costly mistakes that could leave you vulnerable precisely when you need support most. In this eye-opening conversation with independent financial advisor Luke Hurley, we dissect the five critical errors dentists consistently make with their protection policies – and provide clear, actionable solutions to fix them.We start by challenging the dangerous mindset that income protection can be postponed. As Luke powerfully states, "Ensuring your future self will never be cheaper than ensuring your today self." Delaying coverage not only increases premium costs but risks accumulating health-related exclusions or even becoming uninsurable. Regular reviews around career transitions prove equally essential, especially when purchasing practices, switching between NHS and private work, or establishing limited companies.The discussion delves into the complexities of aligning protection with various dental income structures. Whether self-employed, operating through limited companies, or employed, different insurers handle income verification distinctly – potentially leaving dangerous gaps in coverage. We explore the critical importance of appropriate deferment periods, coverage definitions, premium guarantees, and inflation protection to ensure your policy delivers when needed most.Perhaps most crucially, we examine how complete transparency during underwriting prevents future claim denials and how income protection should integrate with critical illness coverage, life insurance, and increasingly, private medical insurance to create comprehensive financial security.———————————————————————Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.Send us a text

Your social calendar is packed and your bank account is nervous! Tamara and Lucinda are here to save both your style and your savings with their event dressing masterclass. They're breaking down the viral "white tank theory" that's taking over TikTok - basically, if you can walk into a party in a basic singlet and still be the chicest person there, you're officially "that girl." But how do you actually pull it off without looking underdressed? Lucinda drops the most organised friend group hack ever - they coordinate buying different pieces from expensive brands so they can all borrow complete designer looks from each other. EVERYTHING MENTIONED: Tam's Boujie: The Frankie Shop Aeson jersey maxi skirt $260 Lucinda's Boujie: The Dress All The Bad Boys Like by Maggie Marilyn $895 Tam's Budget: Bayse Cassia Tank - White $49.95 Lucinda's Budget: Lioness Balmy Jacket $89 GET YOUR FASHION FIX: Watch us on Youtube this episode goes live at 8pm tonight! Follow us on Instagram Want to shop the pod? Sign up to the Nothing To Wear Newsletter to see all the products mentioned plus more, delivered straight to your inbox after every episode. Feedback? We’re listening! Call the pod phone on 02 8999 9386 or email us at podcast@mamamia.com.au Discover more Mamamia Podcasts here CREDITS: Hosts: Tamara Holland & Lucinda Pikkatt Producer: Ella Maitland Audio Producer: Tegan Sadler Video Producer: Artemi Kokkaris Just so you know — some of the product links in these notes are affiliate links, which means we might earn a small commission if you buy through them. It doesn’t cost you anything extra, and it helps support the show. Happy shopping! Mamamia acknowledges the Traditional Owners of the Land we have recorded this podcast on, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present, and extend that respect to all Aboriginal and Torres Strait Islander cultures.Become a Mamamia subscriber: https://www.mamamia.com.au/subscribeSee omnystudio.com/listener for privacy information.

Elizabeth New (Hovde) contends Washington's budget will take another hit as Gov. Bob Ferguson promises to replace lost federal Medicaid funds for Planned Parenthood. She says the state keeps making promises it cannot afford. https://www.clarkcountytoday.com/opinion/opinion-replacing-federal-funds-for-planned-parenthood-will-add-to-states-overspending-woes/ #ElizabethNew #PlannedParenthood #WashingtonPolitics #Medicaid #AppleHealth #BobFerguson #StateBudget #WashingtonPolicyCenter #Opinion

NT is a 55-year-old man admitted to the general medicine service with cellulitis of his left leg. When the attending sees him the morning after admission, he notices the patient's “Medical Center Trustee” hospital ID on his bedside table. After gathering a history and examining the leg, the attending leaves the room. In the hallway, he crosses paths with the hospital president, who is there to make a “social call”. She smiles and says to the attending, “Don't let anything bad happen.”Sensible Medicine is reader-supported. If you appreciate our work, consider becoming a free or paid subscriber.Every clinician is familiar with the Very Important Patient, the VIP. Defining the VIP is challenging. In the most general sense, the VIP is a patient whose care imposes an additional burden on the clinician. The VIP is perceived to have an elevated social status, typically due to fame, wealth, connections, or power.The VIP may come to his or her status in several ways. The VIP might claim that status herself. The status might be granted by a third party, such as the source of the referral, or outside realities (fame, fortune, power). Sometimes, VIP status is granted by the physician alone.The physician recognizes that an untoward outcome in the care of the VIP — clinical or otherwise, expected or unexpected — will be acknowledged by a wider community and might be particularly unpleasant for the treating physician.VIP patients are a threat to healthcare. They need to be eradicated from hospitals and clinics as ruthlessly as we would eradicate E. coli from a well, Pseudomonas from a hot tub, or Legionella from a hotel HVAC system.Why should we eliminate the VIP? Because a patient's wealth, station, or connections should have no bearing on the tests that are done, the treatments that are offered, or the haste with which care is provided.I have heard people argue about whether basic healthcare is a human right. I have heard people who agree that basic healthcare is a human right argue about what makes up basic healthcare and who should decide what qualifies. I have never heard people argue about whether people deserve different care based on their identity.The most obvious threat the VIP poses is to himself. We recognize that when people are treated as special, they are at risk of getting worse healthcare. This fact underlies the guidance that physicians avoid caring for close friends and relatives. The AMA Code of Medical Ethics states:When the patient is an immediate family member, the physician's personal feelings may unduly influence his or her professional medical judgment. Or the physician may fail to probe sensitive areas when taking the medical history or to perform intimate parts of the physical examination. Physicians may feel obligated to provide care for family members despite feeling uncomfortable doing so. They may also be inclined to treat problems that are beyond their expertise or training.You could easily replace family member with VIP. While we can all avoid treating family members and close friends, VIPs are a reality in every physician's life. Transferring their care to another physician usually does not change the circumstances.Ben Kean, an exceptionally colorful character and my parasitology teacher in medical school, shared a story about the risks VIP healthcare poses to the VIP. He once suggested that a patient with pneumonia — a patient who was also famous, wealthy, and important — be transferred from a private hospital to a public one, and treated under a pseudonym."But why a public hospital, when I have a good private clinic here with the best doctors and nurses?""There are two ingredients essential to your recovery," I explained, "that can't be found here and that you cannot buy. These are things found only at a large public institution, where hundreds of patients are seen each day, many of whom suffer from pneumonia. First, you need a large house staff -- bright, young people with new ideas and with daily experience in dealing with desperate situations. Second, you need a laboratory with specialized technicians available around the clock to monitor your breathing, to do special culture work for bacteria and parasites. This is a lovely private hospital, but the kind of help you need isn't available here."Then there is the reality that if you treat VIPs differently, and it becomes known, it is a bad look. Just ask the leadership of NYU Langone Health.But the threat of the VIP goes beyond personal risk. The overtesting, overtreatment, and early diagnosis that have been described not only threaten the VIP but are also bad for our healthcare system. Overspending and excess erode other people's care. An unnecessary MRI ordered for the VIP's week of sciatica may delay the diagnosis of cord compression in the non-VIP with back pain and prostate cancer.VIP treatment can lead to ill will among members of the healthcare team. Teams bond when they work together for the benefit of a patient. With VIPs, team members most under the patient's sway may suggest management at odds with that proposed by team members less influenced by the patient's status. It is not hard to imagine moral injury if a healthcare worker perceives they are acting because of who a patient is rather than because of what the patient needs.If a team bows to pressure, the ethics of medicine are compromised. Other patients will perceive a tiered system, and this will undermine their faith in medicine.Eradicating the VIP from healthcare is certainly more difficult than getting rid of E. coli, Pseudomonas, or Legionella. How do we ensure that the homeless man, with no wealth, power, or family, receives the same care as the woman for whom the hospital is named?It may be hard to eradicate the VIP when healthcare itself has played a significant role in creating the VIP. Hospital marketing and rankings promote the idea that doctors and hospitals are not equal. They do this to attract the “best payer mix” so they can build shiny new facilities. If patients, with their expensive, private insurance, are drawn to a medical center because of the rankings, should we be surprised if they expect something for their money and effort?I wish there were an easy answer. There is not. It is possible that Mick and Keith are our best guides here.As clinicians, we know that we need to provide the best care possible for our patients. We also recognize that different people want different things from their healthcare. Some people just want to be left alone at night, others want an extra cup of tea with breakfast, and others want a visit from the hospital president. If these allowances truly do not affect the care of patients, all patients, then there is no harm in providing the desired care in addition to the necessary care. Once management of the VIP threatens to affect care, hers or that of her fellow patients, then physicians need to recommit to their pledge to care for everyone equally, regardless of who they are. This is at the core of the practice of medicine. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.sensible-med.com/subscribe

Overspending on your flips can quickly eat away at your profits and turn a good deal into a bad one. In this episode, I break down the common mistakes investors make, how to keep your renovation budget in check, and strategies to maximize your return without breaking the bank.

Why do so many of us struggle to follow through on the money habits we know are important? In this episode, Melissa Joy, CFP®, explores the psychology behind three common money behaviors:Overspending – from emotional triggers to lifestyle creep and comparison cultureUndersaving – how present bias and scarcity mindset can sabotage long-term planningFreezing – the shame and avoidance that keep us from making financial decisions at allMelissa shares relatable examples and practical strategies to break free from these cycles. From setting up automatic savings, to creating “fun money” categories in your budget, to celebrating small wins, she explains how incremental progress can rewire your money story.Resources & Mentions:The Geometry of Wealth by Brian PortnoyThe Psychology of Money by Morgan HouselThe Behavioral Investor by Daniel CrosbyIf you've ever felt stuck or ashamed about money, this episode will help you move forward with more self-compassion, awareness, and action.The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

Episode 4657: President Trump Inspects Fed's Over Spending

Brian Windhorst is joined by ESPN's Tim Bontemps and Tim MacMahon to discuss LeBron opting in with the Lakers including the fascinating statement that went with it. Then, the guys talk a few teams who spent big in Minnesota & Houston discussing the dangers of overspending with the extra restrictions in the modern NBA. Plus, what does the future hold for Deandre Ayton and more. Learn more about your ad choices. Visit podcastchoices.com/adchoices