Make that Money Hunni

Sandra Joe
Make that Money Hunni Podcast

This podcast is for the new generation of investors, entrepreneurs and women in business. Be sure to tune in weekly to listen to industry leaders and solo episodes about creative ways to build your wealth, improve your money mindset and expand & scale your business. Get ready to get honest with yourself and learn the tools and tricks that these business leaders have learned throughout their journey, as they share their knowledge and experience about entering the business world. Whether you're an entrepreneur, a salaried employee or getting back into the workforce, this podcast will provide you with the confidence you require, to make all of your personal and professional dreams a reality. Your host, Sandra Joe, is a former Certified Financial Planner turned Entrepreneur whose passion lies in coaching the millennials (and especially women) on the importance of taking control of your finances because they don’t have to be stressful and complicated. She believes in creating financial independence by learning the basic skills to make better financial decisions in every aspect of your life. Sandra believes that understanding money is a necessity, and has created this podcast to make financial education and business tips more accessible to all.

  1. 4 SEPT

    93. Joining Finances as an Established Couple

    Welcome back for another episode of the Make that Money Hunni Podcast! In this episode, we dive into the crucial topic of merging finances for couples who are moving in together or getting married. Managing money as a couple can be both exciting and challenging, and we’re here to help you navigate this new chapter smoothly. Whether you're deciding between joint or separate accounts, figuring out how to split bills fairly, or aligning your financial goals, we provide practical advice and real-life examples to help you set a strong financial foundation for your relationship. Tune in to learn strategies for budgeting, debt management, and future planning while keeping financial harmony at the center of your partnership. In the example in the podcast, I use generic names John & Sarah to demonstrate a percentage calculation of joint finances. The calculation is below: John earns $250,000 per year Sarah earns $80,000 per year Their Household Income is $330,000 per year Their Joint Living Expenses are $5,000 per month. Using the percentage model, we determine what each of their incomes are as a percentage of the total household income: Sarah: 80,000/330,000 = 0.25 ~ 25% John: 250,000/330,000 = 0.75 ~ 75% We then apply each figure to their joint living expenses to determine how much each person contributes to the joint account per month: Sarah 0.25 x $5,000 = $1,250 per month John 0.75 x $5,000 = $3,750 per month The same percentages can be used towards the $1,000 monthly saving goal, where John contributes $750 (0.75 x $1,000) and Sarah contributes $250 (0.25 x $1,000). This is one of the most important concepts in talking about money as a couple and how to join finances, so if you'd like to work together, you can book a free consultation call here or check out my website for more details on how we can work together. www.sandrajoe.com Until next time, please be sure to share, follow or leave a review! Go make that money hunni! Sandra

    44 min
  2. 7 JUN

    92. Bank of Canada Interest Rate Cut: What You Need to Know

    In this important episode, I explain why Canada was the first country in the G7 to announce an interest rate cut on June 4th, 2024 and what that means for investors, homebuyers, and personal spending. I break down the decision process for the Bank of Canada into their government policy, factors that contribute to inflation and unemployment rates, and how the rate cute will impact home buyers and sellers in the coming years. This rate announcement was a pivotal move that will have a flow-on effect into many different areas of finance, and this episode covers many of those topics. We'll discuss: Impact on Homebuyers: How the rate cut affects mortgage rates, affordability, and long-term financial planning. Impact on Sellers: The potential influence on property values and the housing market dynamics. First-Time Property Purchasers: What this means for those looking to enter the real estate market and how to leverage this opportunity. Personal Spending: The broader implications for consumer spending, savings, and investment strategies, unemployment rates and inflation. Tune in to get a practical explanation on navigating these changes in the changing interest rate environment. Whether you're planning to buy a home, sell property, or simply manage your personal finances, this episode provides essential knowledge to help you make informed decisions. Thanks for listening and until next time, go make that money Hunni! Sandra Resources: Financial Times Article Rate Hub Bank of Canada

    30 min
  3. 30 MAY

    91. How to Talk to Your (new) Partner About Money

    This episode is a refresher from my very FIRST episode, back in 2021 when I launched the Make That Money Hunni podcast, and is still one of my most popular episodes to date. Ep 1. Why Talking About Money is Important for Our Relationships As we navigate the dating world, new relationships or coming out of long-term relationships or marriages, where financial stress was a huge contributor to previous relationship break-down, it becomes increasingly important to learn how to talk to your new partner about money, even in the early stages of dating. One of the most important financial decisions a person will ever make, is their decision about who they marry and how that person can either amplify their success, or destroy it, so being aware of red flags, how to bring up challenging conversations and understanding the importance of ensure you're both on the same page about how money will be handled between the two of you, regardless of what you come into the relationship with, is becoming increasingly important in today's dating world. This episode gives you ideas, conversation starters, and wisdom on just how important talking about money is in your new, mature or lasting partnership. We’ll discuss why talking about money early on is so important, how to approach the subject without feeling awkward, and ways to ensure both of you are on the same page financially. From discussing who pays the bill on dates to planning for larger expenses like vacations or shared living expenses, this episode covers it all. We’ll also touch on the importance of understanding each other’s financial backgrounds, expectations, and goals to avoid future conflicts. Whether you’re just starting to date someone new or looking to strengthen your financial communication with a partner, this episode is packed with valuable insights to help you navigate these conversations with ease and confidence. Don't forget to download, check out previous episodes for more financial wisdom, and connect with me on Instagram at @makethatmoney.hunni For more resources and to explore ways we can work together, visit www.sandrajoe.com. Let’s make those money talks less scary and more empowering!

    26 min
  4. 16 MAY

    89. Do You Dread Tax Season? Here's how you can prepare for next year

    In today's episode, we dive into the nitty-gritty of tax season—a topic we all dread but must face every year. Whether you're a salaried employee or a business owner, staying organized and understanding your tax obligations is crucial. I'll share insights from my experience and collaborations with accountants, covering everything from personal and fiscal year-ends to maximizing deductions and effective record-keeping. We'll explore: Key tax obligations for business owners and salaried employeesStrategies for organizing financial documents and receiptsMaximizing tax deductions and creditsThe importance of working with a qualified tax professionalPlanning for future financial milestones alongside retirement savings Remember, the content of this episode is for informational and educational purposes only. Always consider your personal circumstances and consult with a tax professional before making any financial decisions. Tune in to learn how to tackle tax season with confidence and set yourself up for financial success in the years to come. Don't forget to download this episode and check out our previous ones for more valuable insights and interviews. Let's get organized and make that money, honey! Connect with me: Instagram: @makethatmoney.honeyWebsite: www.sandrajoe.com If you loved this episode, please share it with a friend or leave a five-star review. Your support helps us reach more ambitious individuals like you. Until next time, go make that money, honey!

    28 min
  5. 9 MAY

    88. The #1 Reason You're Not Making More Money

    In this episode of the 'Make That Money Honey' podcast, I delve into the crucial topic of risk-taking in financial growth for millennials. Drawing from my experience as a certified financial planner and my journey in coaching ambitious women and couples, I highlight the key reasons many fail to increase their income, emphasizing the significance of taking calculated risks. I cover practical advice on asking for raises, overcoming scarcity mindset, smart investing, diversifying portfolios, and the importance of financial coaching. I assert that making more money and achieving financial freedom requires a mixture of asking for what you're worth and learning to make your money work for you through informed investment strategies. 00:00 Welcome to the Make That Money Honey Podcast! 01:05 The Power of Taking Risks for Financial Growth 01:54 Mastering Salary Negotiations: Tips and Strategies 06:07 Overcoming the Scarcity Mindset and Embracing Investment 11:56 The Importance of Diversification in Investing 19:03 Setting Up for Financial Success: Long-Term Strategies 23:11 Closing Thoughts: Taking Calculated Risks and Seeking Guidance Tune in to this episode for actionable advice on building more money in your entrepreneurial journey. Don't forget to subscribe, share, and leave a review to help me reach more ambitious individuals like yourself. Connect with me on Instagram @makethatmoney.hunni or visit www.sandrajoe.com to explore opportunities for collaboration and financial empowerment. Until next time, go make that money, hunni!

    24 min
  6. 29 APR

    87. How to Grow Your Network for More Referrals

    In this episode of the Make That Money Hunni podcast, I'll delve into the crucial role of networking in building and expanding businesses across various industries. Join me as I share my personal journey and insights on leveraging word-of-mouth referrals, delivering exceptional client experiences, and adopting practical strategies for forging meaningful business relationships. I'll stress the importance of giving value first and provide a roadmap for using your network to generate referrals without significant financial investment. I'll highlight how offering quality service can lead to substantial business growth through recommendations from satisfied clients and collaborative partnerships. The episode concludes with a call to focus on creating value for others as a pathway to receiving more in return, encouraging you to invest time in connecting and re-engaging with your network for mutual benefit. 00:00 Unlocking the Power of Networking for Business Growth 01:21 Welcome to the Make That Money Honey Podcast 01:27 The Journey from Financial Planner to Entrepreneur 02:21 Leveraging Personal and Professional Networks for Success 06:26 Maximizing Marketing Efforts with Minimal Spend 12:34 The Art of Building Meaningful Business Relationships 16:18 Harnessing the Power of Social Media Engagement 18:34 Delivering Exceptional Client Experiences for Referrals 20:35 Simple Strategies for Effective Networking 22:57 Concluding Thoughts and Next Steps Tune in to this episode for actionable advice on building a thriving network and achieving lasting success in your entrepreneurial journey. Don't forget to subscribe, share, and leave a review to help me reach more ambitious individuals like yourself. Connect with me on Instagram @makethatmoney.hunni or visit www.sandrajoe.com to explore opportunities for collaboration and financial empowerment. Until next time, go make that money, hunni!

    23 min
  7. 18 APR

    86. Canadian Investors: TFSA Tax-Free Savings Accounts - Everything you need to know to get started

    In this episode for Canadians, I talk about the different types of investment accounts, and how to use a Tax-Free Savings Account (TFSA) to start investing. These accounts are highly beneficial for tax purposes and provide lots of opportunities to investors of all ages, as they don't incur a tax liability when you withdraw your funds. There are many considerations to using these accounts, so this technical episode talks about all of the things you need to consider before starting to invest in a TFSA, how to get started, what your limits are and what to do with the money once you've made the contributions. It also covers TFSA transferability from one financial institution to another, and how you can nominate a beneficiary. For more information on contribution limits and government regulations about TFSAs, please visit: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/tax-free-savings-account/contributions.html *Disclaimer* As with any of my episodes, you should always do your own research before making any financial, legal, tax or investment decisions to see if they are right for you and your personal circumstances. This episode is for general information and education purposes only, and government regulations are subject to change at any point without notice. You should not take this episode as advice or recommendations. Thanks for listening and see you next time! Sandra

    27 min

About

This podcast is for the new generation of investors, entrepreneurs and women in business. Be sure to tune in weekly to listen to industry leaders and solo episodes about creative ways to build your wealth, improve your money mindset and expand & scale your business. Get ready to get honest with yourself and learn the tools and tricks that these business leaders have learned throughout their journey, as they share their knowledge and experience about entering the business world. Whether you're an entrepreneur, a salaried employee or getting back into the workforce, this podcast will provide you with the confidence you require, to make all of your personal and professional dreams a reality. Your host, Sandra Joe, is a former Certified Financial Planner turned Entrepreneur whose passion lies in coaching the millennials (and especially women) on the importance of taking control of your finances because they don’t have to be stressful and complicated. She believes in creating financial independence by learning the basic skills to make better financial decisions in every aspect of your life. Sandra believes that understanding money is a necessity, and has created this podcast to make financial education and business tips more accessible to all.

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