Make that Money Hunni Sandra Joe

More than ever, I'm hearing people complain that no matter what they do, they just can't seem to get ahead financially. Then I ask them what they're doing, and I hear crickets.
The reality is that YES the cost of living is increasing, and wages haven't kept up with inflation, but that's not the only reason why so many people are broke.
In this episode, I'll touch on the Top 10 Reasons People are Broke and also what to do about it!
Check it out and let me know if you have any to add!
By the way, if you listen all the way through, I am hosting a 50% Black Friday Sale on all my Virtual Courses and Starter programs from now until Nov. 30th so use code "BLACKFRIDAY50" at checkout for huge savings on courses and bundles.
Visit www.sandrajoe.com/courses for more details and to purchase.
Start 2024 on the right foot this time. Let's go make some MONEY!

In this episode, I talk about how high interest rates are having not only a negative impact on property owners, but in many cases on renters as well.
When Landlords cannot afford their mortgage payments, they are forced to make risky decisions, such as rent-eviction or selling their property at below market value. Which do they choose? What are the risks and potential downside of rent-eviction?
There is a huge ripple effect of the high interest rates. It's forcing the hourly wage workers out of their homes, into rural areas where they can afford cheaper rent, moving in with their parents or going back to school. This clearly affects retail businesses ability to hire staff and employee retention, as well as corporate employers being required to have flexible work arrangements to accommodate out-of-city employees.
So how do we fix this? What can people do to protect themselves and be proactive in the meantime, so they don't bankrupt themselves while they wait for the decline in interest rates?
Listen to this episode to find out exactly what strategies I'm advising my clients on, and how you can get on the front foot in a challenging economy.
Thanks for listening and see you next time!
Sandra

Wowee, it's been 6 months since my last podcast episode and what a hiatus that has been! It has been a year of fun, self-discovery, new projects and more!
But what I love about September is that it feels like a time to turn the page, give one last kick at the can for the year and really set yourself up for the New Year if you do it properly. A lot of people fall off track during the summer months; physically, mentally & financially. This episode is the sign from the universe to kick start your action plan and focus in on the ONE pillar that you've been neglecting the most.
1) Health
2) Relationships
3) Money
4) Career
Which one is causing you the most stress right now? When you focus on this area, it will have a ripple effect into the other areas of your life and help you get the momentum you need to change your life.
Listen now, listen to the whole thing, and share with a friend or tag me on social media @makethatmoney.hunni if this episode resonates with you!
In this episode I mention two books:
Happy Days by Gabby Bernstein
&
Ego is the Enemy by Ryan Holiday
If you want to connect with my therapist, her instagram is @gabybalsells. She also has a great podcast called Love 101

Relationships are difficult all around, especially if you are a dedicated and focused person who has spent a significant amount of time working on your career. Sandra is joined by Molly Godfrey to discuss relationship advice for career-driven people trying to alter their luck in the dating world. It is important to recognize your own worth so that you might discover someone who shares your worth. Tune in for more helpful advice that can help you find the partner you desire.
Molly Godfrey is the CEO of Successful Love, a viral content developer, and the "go-to" dating and relationship counselor for successful single women in their 30s. She has been featured on the Today Show, InStyle, and Bustle as a trusted love adviser, assisting her clients in becoming unstuck and landing their dream relationship. She works with successful women and CEOs who are weary of the maddening cycles of far too much work and far too little love — and are ready to open themselves up to genuine connection and long-term relationships. She is about to begin her trademark three-month program, Rock Your Next Partnership, a 90-day intense group counseling experience designed to assist women transition from a random match to a committed relationship.
*Connect with Molly on IG @askformolly & LinkedIn https://www.linkedin.com/in/molly-godfrey/
*If you are looking to join Molly's program check out her website: https://www.successfullove.com/program
* Connect with me on IG @makethatmoney.hunni
* Check out my website: https://www.sandrajoe.com/

In this episode I give you real examples of two strategies that you can choose from to join finances as a couple.
Whether you're married, co-habitating , or planning on moving in together, these simple strategies can save you time, energy and ambiguity in the future when it comes to deciding how much you're each going to contribute to the household expenses.
Joining finances can be tricky, as everyone has a different Money Story, so be mindful that this should be an open conversation with your partner, where you both agree on what works best for you.
There's no right or wrong answer here, and you may find that neither of these strategies work for your household, so if that's the case, you can sit down and map out a plan of who pays for what, so you are both in agreement moving forward.
The most important part of joining your finances, is that you both come to a mutual agreement about what works for YOU, so you can both feel confident in managing your personal and couples finances moving forward.
Save this episode, listen with your partner, and try the calculations yourself!

Finding our self-worth at work is the most difficult thing we can accomplish. We become locked in the attitude that it is normal to struggle in positions we don't enjoy and pass up opportunities we know we would be a fantastic fit for in order to achieve our career goals. For many, this mindset is not only applicable to work but goes for life outside of work as well.
Sandra is joined by Shelly Kay to discuss what actions you need to take in your job to get to where you want to be, as well as how to change your thinking to generate greater confidence in your talents. If you've been avoiding talking to your manager about that position you've been eyeing because you're afraid you'll mess it up, today's episode is for you!
Shelley is a career coach who used to be an HR leader. She spent over a decade in human resources at top Fortune 100 firms (think: Google, etc.) before launching her own coaching business to assist career-driven women develop occupations that they are passionate about and that support a balanced lifestyle. Shelley thinks that any woman can have it all - a meaningful profession, advancement, and healthy health and relationships - and she is committed to providing women with the skills to do so.

*Connect with Shelly on LinkedIn https://www.linkedin.com/in/shelleykay/
*For more information about Shelly's services check out her website: https://www.shelleykaycoaching.com/

* Connect with me on IG @makethatmoney.hunni
* Check out my website: https://www.sandrajoe.com/