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    <title>We Talk Cents</title>
    <description>A show about modern money management and news - helping you save, budget, invest and make sense of your money. From a uniquely Australian perspective.</description>
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    <pubDate>Tue, 31 Oct 2023 03:31:53 +0000</pubDate>
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      <title>We Talk Cents</title>
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    <itunes:summary>A show about modern money management and news - helping you save, budget, invest and make sense of your money. From a uniquely Australian perspective.</itunes:summary>
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      <title>Important Things You Need To Know About Your Super with Tim Lambert from Spirit Super</title>
      <description><![CDATA[<p>#sponsored #spiritsuper </p><p>In this episode, Dan talks to Tim Lambert from Spirit Super about making the most of your superannuation. Listen as they discuss actionable items that can help you now and in the future!</p><ul><li>An estimated 1 in 3 working Australians have more than one super account, resulting in millions of dollars lost each year in unnecessary fees. Learn about the benefits of consolidating your Super into one account. </li><li>Follow along in exploring how to use tax deductions for personal contributions. Making additional contributions to your super through concessional (pre-tax) contributions can provide significant tax advantages.</li><li>Learn more about understanding your risk tolerance and choosing the right investment portfolio within your super account – it’s crucial for long-term growth. </li></ul><p>Spirit Super is a profit-for-members industry super fund with approximately $25 billion in funds under management and over 350,000 members all over Australia. Learn More: <a href="https://www.spiritsuper.com.au/">https://www.spiritsuper.com.au/</a></p><p>Past performance isn’t a reliable indicator of future performance. Consider the PDS and TMD at <a href="http://spiritsuper.com.au/pds">spiritsuper.com.au/pds</a> before making a decision. Issuer is Motor Trades Association of Australia Superannuation Fund Pty Ltd (AFSL 238 718, ABN 14 008 650 628). Advice is provided by Quadrant First Pty Ltd (ABN 78 102 167 877, AFSL 284443). Awards and ratings are only one factor to be taken into account when deciding how to invest your super.  </p><p>If you enjoy the show, we’d love to hear from you! Leave a review on the YouTube comments to help other people like you find us and get better with money.</p><p>Disclaimer</p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p>
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      <pubDate>Tue, 31 Oct 2023 03:31:53 +0000</pubDate>
      <author>hello@wemoney.com.au (Tim Lambert, Dan Jovevski)</author>
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      <content:encoded><![CDATA[<p>#sponsored #spiritsuper </p><p>In this episode, Dan talks to Tim Lambert from Spirit Super about making the most of your superannuation. Listen as they discuss actionable items that can help you now and in the future!</p><ul><li>An estimated 1 in 3 working Australians have more than one super account, resulting in millions of dollars lost each year in unnecessary fees. Learn about the benefits of consolidating your Super into one account. </li><li>Follow along in exploring how to use tax deductions for personal contributions. Making additional contributions to your super through concessional (pre-tax) contributions can provide significant tax advantages.</li><li>Learn more about understanding your risk tolerance and choosing the right investment portfolio within your super account – it’s crucial for long-term growth. </li></ul><p>Spirit Super is a profit-for-members industry super fund with approximately $25 billion in funds under management and over 350,000 members all over Australia. Learn More: <a href="https://www.spiritsuper.com.au/">https://www.spiritsuper.com.au/</a></p><p>Past performance isn’t a reliable indicator of future performance. Consider the PDS and TMD at <a href="http://spiritsuper.com.au/pds">spiritsuper.com.au/pds</a> before making a decision. Issuer is Motor Trades Association of Australia Superannuation Fund Pty Ltd (AFSL 238 718, ABN 14 008 650 628). Advice is provided by Quadrant First Pty Ltd (ABN 78 102 167 877, AFSL 284443). Awards and ratings are only one factor to be taken into account when deciding how to invest your super.  </p><p>If you enjoy the show, we’d love to hear from you! Leave a review on the YouTube comments to help other people like you find us and get better with money.</p><p>Disclaimer</p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p>
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      <itunes:title>Important Things You Need To Know About Your Super with Tim Lambert from Spirit Super</itunes:title>
      <itunes:author>Tim Lambert, Dan Jovevski</itunes:author>
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      <itunes:summary>In this episode, Dan talks to Tim Lambert from Spirit Super about making the most of your superannuation. Listen as they discuss actionable items that can help you now and in the future!

An estimated 1 in 3 working Australians have more than one super account, resulting in millions of dollars lost each year in unnecessary fees. Learn about the benefits of consolidating your Super into one account. 
Follow along in exploring how to use tax deductions for personal contributions. Making additional contributions to your super through concessional (pre-tax) contributions can provide significant tax advantages.
Learn more about understanding your risk tolerance and choosing the right investment portfolio within your super account – it’s crucial for long-term growth. 

Spirit Super is a profit-for-members industry super fund with approximately $25 billion in funds under management and over 350,000 members all over Australia. Learn More: https://www.spiritsuper.com.au/ 

Past performance isn’t a reliable indicator of future performance. Consider the PDS and TMD at spiritsuper.com.au/pds before making a decision. Issuer is Motor Trades Association of Australia Superannuation Fund Pty Ltd (AFSL 238 718, ABN 14 008 650 628). Advice is provided by Quadrant First Pty Ltd (ABN 78 102 167 877, AFSL 284443). Awards and ratings are only one factor to be taken into account when deciding how to invest your super.   

If you enjoy the show, we’d love to hear from you! Leave a review on the YouTube comments to help other people like you find us and get better with money.

Disclaimer
We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</itunes:summary>
      <itunes:subtitle>In this episode, Dan talks to Tim Lambert from Spirit Super about making the most of your superannuation. Listen as they discuss actionable items that can help you now and in the future!

An estimated 1 in 3 working Australians have more than one super account, resulting in millions of dollars lost each year in unnecessary fees. Learn about the benefits of consolidating your Super into one account. 
Follow along in exploring how to use tax deductions for personal contributions. Making additional contributions to your super through concessional (pre-tax) contributions can provide significant tax advantages.
Learn more about understanding your risk tolerance and choosing the right investment portfolio within your super account – it’s crucial for long-term growth. 

Spirit Super is a profit-for-members industry super fund with approximately $25 billion in funds under management and over 350,000 members all over Australia. Learn More: https://www.spiritsuper.com.au/ 

Past performance isn’t a reliable indicator of future performance. Consider the PDS and TMD at spiritsuper.com.au/pds before making a decision. Issuer is Motor Trades Association of Australia Superannuation Fund Pty Ltd (AFSL 238 718, ABN 14 008 650 628). Advice is provided by Quadrant First Pty Ltd (ABN 78 102 167 877, AFSL 284443). Awards and ratings are only one factor to be taken into account when deciding how to invest your super.   

If you enjoy the show, we’d love to hear from you! Leave a review on the YouTube comments to help other people like you find us and get better with money.

Disclaimer
We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</itunes:subtitle>
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      <itunes:explicit>no</itunes:explicit>
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      <title>The Power of Psychology in Managing Your Money with Dr. Lili Sussman from Wisr Today</title>
      <description><![CDATA[<p>#sponsored #wisr #wisr-today<br /><br />Join Dan as he talks to Dr. Lili Sussman, the Chief Strategy Officer at Wisr. Dr. Sussman is a triple unicorn, having earned degrees from Oxford, Yale, and Harvard, and has spent over 15 years in banking and consulting. She joins the show to discuss the power of psychology in managing your money and Wisr's latest product, Wisr Today.</p><ul><li>Learn about the purpose of Wisr Today, the world's first money and psychology app. Dr. Sussman explains that Wisr Today was created to look into the root causes of financial behaviour and help users better understand themselves so they can manage their money more effectively</li><li>By using the science of behavioural change, Wisr Today helps users make improved financial decisions, establish healthy spending and saving habits, and provides them with the necessary knowledge and support to attain their financial objectives.</li><li>Changing your habits is the key to changing your life. With Wisr Today's personalised daily coaching, you can focus on one habit at a time, leading to potential savings of thousands.</li></ul><p>Wisr Today is the first money app that uses psychology to help you save more and achieve your financial goals. Learn more about Wisr Today: <a href="https://wisr.onelink.me/RCWV/sk6n2t63">https://wisr.onelink.me/RCWV/sk6n2t63</a>  </p><p>Wisr Today is now available for download on the App Store & Play Store. </p><p><a href="https://wisr.onelink.me/RCWV/sk6n2t63">https://wisr.onelink.me/RCWV/sk6n2t63</a></p><p>If you enjoy the show, we’d love to hear from you! Leave a review on the Youtube comments to help other people like you find us and get better with money.</p><p>Disclaimer</p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p>
]]></description>
      <pubDate>Mon, 6 Mar 2023 20:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Dr. Lilli Sussman, Dan Jovevski)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/the-power-of-psychology-in-managing-your-money-with-dr-lili-sussman-from-wisr-today-CM12ZIvg</link>
      <content:encoded><![CDATA[<p>#sponsored #wisr #wisr-today<br /><br />Join Dan as he talks to Dr. Lili Sussman, the Chief Strategy Officer at Wisr. Dr. Sussman is a triple unicorn, having earned degrees from Oxford, Yale, and Harvard, and has spent over 15 years in banking and consulting. She joins the show to discuss the power of psychology in managing your money and Wisr's latest product, Wisr Today.</p><ul><li>Learn about the purpose of Wisr Today, the world's first money and psychology app. Dr. Sussman explains that Wisr Today was created to look into the root causes of financial behaviour and help users better understand themselves so they can manage their money more effectively</li><li>By using the science of behavioural change, Wisr Today helps users make improved financial decisions, establish healthy spending and saving habits, and provides them with the necessary knowledge and support to attain their financial objectives.</li><li>Changing your habits is the key to changing your life. With Wisr Today's personalised daily coaching, you can focus on one habit at a time, leading to potential savings of thousands.</li></ul><p>Wisr Today is the first money app that uses psychology to help you save more and achieve your financial goals. Learn more about Wisr Today: <a href="https://wisr.onelink.me/RCWV/sk6n2t63">https://wisr.onelink.me/RCWV/sk6n2t63</a>  </p><p>Wisr Today is now available for download on the App Store & Play Store. </p><p><a href="https://wisr.onelink.me/RCWV/sk6n2t63">https://wisr.onelink.me/RCWV/sk6n2t63</a></p><p>If you enjoy the show, we’d love to hear from you! Leave a review on the Youtube comments to help other people like you find us and get better with money.</p><p>Disclaimer</p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p>
]]></content:encoded>
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      <itunes:title>The Power of Psychology in Managing Your Money with Dr. Lili Sussman from Wisr Today</itunes:title>
      <itunes:author>Dr. Lilli Sussman, Dan Jovevski</itunes:author>
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      <itunes:duration>00:56:13</itunes:duration>
      <itunes:summary>Join Dan as he talks to Dr. Lili Sussman, the Chief Strategy Officer at Wisr. Dr. Sussman is a triple unicorn, having earned degrees from Oxford, Yale, and Harvard, and has spent over 15 years in banking and consulting. She joins the show to discuss the power of psychology in managing your money and Wisr&apos;s latest product, Wisr Today.

Learn about the purpose of Wisr Today, the world&apos;s first money and psychology app. Dr. Sussman explains that Wisr Today was created to look into the root causes of financial behaviour and help users better understand themselves so they can manage their money more effectively
By using the science of behavioural change, Wisr Today helps users make improved financial decisions, establish healthy spending and saving habits, and provides them with the necessary knowledge and support to attain their financial objectives.
Changing your habits is the key to changing your life. With Wisr Today&apos;s personalised daily coaching, you can focus on one habit at a time, leading to potential savings of thousands.


Wisr Today is the first money app that uses psychology to help you save more and achieve your financial goals. Learn more about Wisr Today: https://wisr.onelink.me/RCWV/sk6n2t63  

Wisr Today is now available for download on the App Store &amp; Play Store. 
https://wisr.onelink.me/RCWV/sk6n2t63  

If you enjoy the show, we’d love to hear from you! Leave a review on the Youtube comments to help other people like you find us and get better with money.

Disclaimer
We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.
</itunes:summary>
      <itunes:subtitle>Join Dan as he talks to Dr. Lili Sussman, the Chief Strategy Officer at Wisr. Dr. Sussman is a triple unicorn, having earned degrees from Oxford, Yale, and Harvard, and has spent over 15 years in banking and consulting. She joins the show to discuss the power of psychology in managing your money and Wisr&apos;s latest product, Wisr Today.

Learn about the purpose of Wisr Today, the world&apos;s first money and psychology app. Dr. Sussman explains that Wisr Today was created to look into the root causes of financial behaviour and help users better understand themselves so they can manage their money more effectively
By using the science of behavioural change, Wisr Today helps users make improved financial decisions, establish healthy spending and saving habits, and provides them with the necessary knowledge and support to attain their financial objectives.
Changing your habits is the key to changing your life. With Wisr Today&apos;s personalised daily coaching, you can focus on one habit at a time, leading to potential savings of thousands.


Wisr Today is the first money app that uses psychology to help you save more and achieve your financial goals. Learn more about Wisr Today: https://wisr.onelink.me/RCWV/sk6n2t63  

Wisr Today is now available for download on the App Store &amp; Play Store. 
https://wisr.onelink.me/RCWV/sk6n2t63  

If you enjoy the show, we’d love to hear from you! Leave a review on the Youtube comments to help other people like you find us and get better with money.

Disclaimer
We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.
</itunes:subtitle>
      <itunes:keywords>smart money app, money habits, financial goals, wisr today</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
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      <title>Yish Koh from Kit: Empower your Children to Become Financially Free (and get their chores done!)</title>
      <description><![CDATA[<p>Pod listeners - head you YouTube to watch the video version of the show! ( Link: https://youtu.be/gQRY9fSSuYM)<br /><br />#sponsoredpodcast in partnership with Kit</p><p>Join Dan as he interviews Yish Koh from Kit. Yish delves into the importance of behavioural psychology and our kid's financial futures. They talk about the current state of the economy and money hacks for kids of all ages!</p><p>Kit is an earning-and-learning, mindfully-spending, money-mastering app for kids. Kit comes with a digital and physical prepaid card available in-app.</p><p>Kit is built by x15ventures, which is wholly owned by CommBank. We are an early-stage venture, which means we’re endlessly improving and experimenting to deliver the best experience for young people and their carers in Australia.</p><p>To learn more about you give your kids money super powers visit https://www.heykit.com.au/</p><p>Have you got a question or an idea for a topic for us to cover? Get in touch via our Instagram @getwemoney . We love hearing from you. https://www.instagram.com/getwemoney/</p><p>If you enjoy the show, we'd love it if you could write a review on YouTube in the comments to help other people just like you find us and get better with their finances.</p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs, or financial situation.</p><p><strong>Need Help?</strong></p><p>If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p><p> </p>
]]></description>
      <pubDate>Tue, 21 Feb 2023 07:10:30 +0000</pubDate>
      <author>hello@wemoney.com.au (Yish Koh, Dan Jovevski)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/yish-koh-from-kit-empower-your-children-to-become-financially-free-and-get-their-chores-done-w_7a36S2</link>
      <content:encoded><![CDATA[<p>Pod listeners - head you YouTube to watch the video version of the show! ( Link: https://youtu.be/gQRY9fSSuYM)<br /><br />#sponsoredpodcast in partnership with Kit</p><p>Join Dan as he interviews Yish Koh from Kit. Yish delves into the importance of behavioural psychology and our kid's financial futures. They talk about the current state of the economy and money hacks for kids of all ages!</p><p>Kit is an earning-and-learning, mindfully-spending, money-mastering app for kids. Kit comes with a digital and physical prepaid card available in-app.</p><p>Kit is built by x15ventures, which is wholly owned by CommBank. We are an early-stage venture, which means we’re endlessly improving and experimenting to deliver the best experience for young people and their carers in Australia.</p><p>To learn more about you give your kids money super powers visit https://www.heykit.com.au/</p><p>Have you got a question or an idea for a topic for us to cover? Get in touch via our Instagram @getwemoney . We love hearing from you. https://www.instagram.com/getwemoney/</p><p>If you enjoy the show, we'd love it if you could write a review on YouTube in the comments to help other people just like you find us and get better with their finances.</p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs, or financial situation.</p><p><strong>Need Help?</strong></p><p>If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p><p> </p>
]]></content:encoded>
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      <itunes:title>Yish Koh from Kit: Empower your Children to Become Financially Free (and get their chores done!)</itunes:title>
      <itunes:author>Yish Koh, Dan Jovevski</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/85d024a9-ac4e-43c0-86d8-462031032518/90f9fead-5cd4-433d-b4e9-1f8b8a4be202/3000x3000/podcast-art-episode-33-2.jpg?aid=rss_feed"/>
      <itunes:duration>00:24:19</itunes:duration>
      <itunes:summary>Pod listeners - head you YouTube to watch the video version of the show! ( Link: https://youtu.be/gQRY9fSSuYM)

#sponsoredpodcast in partnership with Kit

Join Dan as he interviews Yish Koh from Kit. Yish delves into the importance of behavioural psychology and our kid&apos;s financial futures. They talk about the current state of the economy and money hacks for kids of all ages!

Kit is an earning-and-learning, mindfully-spending, money-mastering app for kids. Kit comes with a digital and physical prepaid card available in-app.

Kit is built by x15ventures, which is wholly owned by CommBank. Kit is an early-stage venture, which means they are endlessly improving and experimenting to deliver the best experience for young people and their carers in Australia.

To learn more about you give your kids money super powers visit https://www.heykit.com.au/

Have you got a question or an idea for a topic for us to cover? Get in touch via our Instagram @getwemoney . We love hearing from you. https://www.instagram.com/getwemoney/

If you enjoy the show, we&apos;d love it if you could write a review on YouTube in the comments to help other people just like you find us and get better with their finances.

Disclaimer
We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs, or financial situation.

Need Help?
If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.
</itunes:summary>
      <itunes:subtitle>Pod listeners - head you YouTube to watch the video version of the show! ( Link: https://youtu.be/gQRY9fSSuYM)

#sponsoredpodcast in partnership with Kit

Join Dan as he interviews Yish Koh from Kit. Yish delves into the importance of behavioural psychology and our kid&apos;s financial futures. They talk about the current state of the economy and money hacks for kids of all ages!

Kit is an earning-and-learning, mindfully-spending, money-mastering app for kids. Kit comes with a digital and physical prepaid card available in-app.

Kit is built by x15ventures, which is wholly owned by CommBank. Kit is an early-stage venture, which means they are endlessly improving and experimenting to deliver the best experience for young people and their carers in Australia.

To learn more about you give your kids money super powers visit https://www.heykit.com.au/

Have you got a question or an idea for a topic for us to cover? Get in touch via our Instagram @getwemoney . We love hearing from you. https://www.instagram.com/getwemoney/

If you enjoy the show, we&apos;d love it if you could write a review on YouTube in the comments to help other people just like you find us and get better with their finances.

Disclaimer
We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs, or financial situation.

Need Help?
If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.
</itunes:subtitle>
      <itunes:keywords>financial wellness, chores, kit, wemoney, kids money management</itunes:keywords>
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      <title>79. WeTalkCents - We&apos;re back baby and now on YouTube!</title>
      <description><![CDATA[<p>Pod listeners - head you YouTube to watch the video version of the show! ( Link: https://youtu.be/ZLczKWjV6LU ) - if you want to enter the free merch giveaway, simply comment with your biggest money lesson in the YouTube comments to enter!<br /><br />00:00 - Intro - We're back! Audio and video format!</p><p>01:14 - WeTalkCents & WeMoney's Mission</p><p>01:25 - Dan's personal story with money</p><p>04:07 - Money news - Inflation and rate rises, hints and tips</p><p>06:55 - Say hello to financial wellness, download WeMoney today, for free!</p><p>07:52 - WeMoney merch giveaway!</p><p>8:19 - Wrap up and what's next</p><p>Merch Giveaway: To enter, simply tell us what your best money lesson has been to improve your financial life here in the YoutTube comments and we’ll select 5 lucky winners!</p><p>If you want to budget better or check out your credit score, Download the WeMoney app. It's free! https://app.wemoney.com.au/signup</p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our Instagram @getwemoney . We love hearing from you. https://www.instagram.com/getwemoney/</p><p>If you enjoy the show, we'd love it if you could write a review on YouTube in the comments to help other people just like you find us and get better with their finances.</p><p>Disclaimer</p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs, or financial situation.</p><p>Need Help?</p><p>If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p><p> </p>
]]></description>
      <pubDate>Fri, 5 Aug 2022 00:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (WeMoney)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/79-wetalkcents-were-back-baby-and-now-on-youtube-g7Ky4Rxc</link>
      <content:encoded><![CDATA[<p>Pod listeners - head you YouTube to watch the video version of the show! ( Link: https://youtu.be/ZLczKWjV6LU ) - if you want to enter the free merch giveaway, simply comment with your biggest money lesson in the YouTube comments to enter!<br /><br />00:00 - Intro - We're back! Audio and video format!</p><p>01:14 - WeTalkCents & WeMoney's Mission</p><p>01:25 - Dan's personal story with money</p><p>04:07 - Money news - Inflation and rate rises, hints and tips</p><p>06:55 - Say hello to financial wellness, download WeMoney today, for free!</p><p>07:52 - WeMoney merch giveaway!</p><p>8:19 - Wrap up and what's next</p><p>Merch Giveaway: To enter, simply tell us what your best money lesson has been to improve your financial life here in the YoutTube comments and we’ll select 5 lucky winners!</p><p>If you want to budget better or check out your credit score, Download the WeMoney app. It's free! https://app.wemoney.com.au/signup</p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our Instagram @getwemoney . We love hearing from you. https://www.instagram.com/getwemoney/</p><p>If you enjoy the show, we'd love it if you could write a review on YouTube in the comments to help other people just like you find us and get better with their finances.</p><p>Disclaimer</p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs, or financial situation.</p><p>Need Help?</p><p>If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p><p> </p>
]]></content:encoded>
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      <itunes:author>WeMoney</itunes:author>
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      <itunes:summary>Pod listeners - head you YouTube to watch the video version of the show! ( Link: https://youtu.be/ZLczKWjV6LU ) - if you want to enter the free merch giveaway, simply comment with your biggest money lesson in the YouTube comments to enter!

00:00 - Intro - We&apos;re back! Audio and video format!
01:14 - WeTalkCents &amp; WeMoney&apos;s Mission
01:25 - Dan&apos;s personal story with money
04:07 - Money news - Inflation and rate rises, hints and tips
06:55 - Say hello to financial wellness, download WeMoney today, for free!
07:52 - WeMoney merch giveaway!
8:19 - Wrap up and what&apos;s next

Merch Giveaway: To enter, simply tell us what your best money lesson has been to improve your financial life here in the YoutTube comments and we’ll select 5 lucky winners!

If you want to budget better or check out your credit score, Download the WeMoney app. It&apos;s free! https://app.wemoney.com.au/signup

Have you got a question or an idea of a topic for us to cover? Get in touch via our Instagram @getwemoney . We love hearing from you. https://www.instagram.com/getwemoney/

If you enjoy the show, we&apos;d love it if you could write a review on YouTube in the comments to help other people just like you find us and get better with their finances.

Disclaimer
We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs, or financial situation.

Need Help?
If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.
</itunes:summary>
      <itunes:subtitle>Pod listeners - head you YouTube to watch the video version of the show! ( Link: https://youtu.be/ZLczKWjV6LU ) - if you want to enter the free merch giveaway, simply comment with your biggest money lesson in the YouTube comments to enter!

00:00 - Intro - We&apos;re back! Audio and video format!
01:14 - WeTalkCents &amp; WeMoney&apos;s Mission
01:25 - Dan&apos;s personal story with money
04:07 - Money news - Inflation and rate rises, hints and tips
06:55 - Say hello to financial wellness, download WeMoney today, for free!
07:52 - WeMoney merch giveaway!
8:19 - Wrap up and what&apos;s next

Merch Giveaway: To enter, simply tell us what your best money lesson has been to improve your financial life here in the YoutTube comments and we’ll select 5 lucky winners!

If you want to budget better or check out your credit score, Download the WeMoney app. It&apos;s free! https://app.wemoney.com.au/signup

Have you got a question or an idea of a topic for us to cover? Get in touch via our Instagram @getwemoney . We love hearing from you. https://www.instagram.com/getwemoney/

If you enjoy the show, we&apos;d love it if you could write a review on YouTube in the comments to help other people just like you find us and get better with their finances.

Disclaimer
We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs, or financial situation.

Need Help?
If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.
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      <title>78. The most valuable money lessons I&apos;ve learned, with Blaize for her final show.</title>
      <description><![CDATA[<p>Find Blaize on <a href="https://twitter.com/BlaizePengilly?ref_src=twsrc%5Egoogle%7Ctwcamp%5Eserp%7Ctwgr%5Eauthor">Twitter</a> or <a href="https://www.linkedin.com/in/blaize/">LinkedIn.</a></p><p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our Instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you.</p><p>If you enjoy the show, we'd love it if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs, or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counseling.</p>
]]></description>
      <pubDate>Sun, 17 Jul 2022 20:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (WeMoney, Blaize Pengilly, Dan Jovevksi)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/78-the-most-valuable-money-lessons-ive-learned-with-blaize-for-her-final-show-L1OlSCqu</link>
      <content:encoded><![CDATA[<p>Find Blaize on <a href="https://twitter.com/BlaizePengilly?ref_src=twsrc%5Egoogle%7Ctwcamp%5Eserp%7Ctwgr%5Eauthor">Twitter</a> or <a href="https://www.linkedin.com/in/blaize/">LinkedIn.</a></p><p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our Instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you.</p><p>If you enjoy the show, we'd love it if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs, or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counseling.</p>
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      <itunes:title>78. The most valuable money lessons I&apos;ve learned, with Blaize for her final show.</itunes:title>
      <itunes:author>WeMoney, Blaize Pengilly, Dan Jovevksi</itunes:author>
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      <itunes:duration>00:49:21</itunes:duration>
      <itunes:summary>It&apos;s time to bid Blaize farewell. Find out the top money lessons Blaize has learned while co-hosting We Talk Cents. Don&apos;t worry, the show isn&apos;t going anywhere. We Talk Cents will be back in a new format in August 2022.</itunes:summary>
      <itunes:subtitle>It&apos;s time to bid Blaize farewell. Find out the top money lessons Blaize has learned while co-hosting We Talk Cents. Don&apos;t worry, the show isn&apos;t going anywhere. We Talk Cents will be back in a new format in August 2022.</itunes:subtitle>
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      <title>77. Creating your investing plan with Jess Leung from BetaShares</title>
      <description><![CDATA[<p><a href="https://www.linkedin.com/in/jessica-sy-leung/" target="_blank">Jess Leung</a> is an Assistant Portfolio Manager at <a href="https://www.betashares.com.au/">BetaShares</a>. You can find her on<a href="https://www.instagram.com/theleungway/?hl=en"> Instagram</a> and <a href="https://www.tiktok.com/@theleungway?lang=en">tiktok. </a></p><p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our Instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you.</p><p>If you enjoy the show, we'd love it if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs, or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counseling.</p><p>SHOW CONTRIBUTORS</p>
]]></description>
      <pubDate>Sun, 10 Jul 2022 20:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Blaize Pengilly, Jess Leung, weMoney)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/77-creating-your-investing-plan-with-jess-leung-from-betashares-Zk_bBVkp</link>
      <content:encoded><![CDATA[<p><a href="https://www.linkedin.com/in/jessica-sy-leung/" target="_blank">Jess Leung</a> is an Assistant Portfolio Manager at <a href="https://www.betashares.com.au/">BetaShares</a>. You can find her on<a href="https://www.instagram.com/theleungway/?hl=en"> Instagram</a> and <a href="https://www.tiktok.com/@theleungway?lang=en">tiktok. </a></p><p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our Instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you.</p><p>If you enjoy the show, we'd love it if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs, or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counseling.</p><p>SHOW CONTRIBUTORS</p>
]]></content:encoded>
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      <itunes:title>77. Creating your investing plan with Jess Leung from BetaShares</itunes:title>
      <itunes:author>Blaize Pengilly, Jess Leung, weMoney</itunes:author>
      <itunes:duration>00:33:42</itunes:duration>
      <itunes:summary>Newbie investors, listen up! Assistant Portfolio Manager Jess Leung is here to teach you all about risk &amp; why it&apos;s so important to create and stick to an investing plan.</itunes:summary>
      <itunes:subtitle>Newbie investors, listen up! Assistant Portfolio Manager Jess Leung is here to teach you all about risk &amp; why it&apos;s so important to create and stick to an investing plan.</itunes:subtitle>
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      <title>76. &quot;Failure is the only F word that you can’t say in my office&quot; with Victoria Shakeshaft from Bad B*tch Money</title>
      <description><![CDATA[<p>You can find Victoria on <a href="https://www.instagram.com/bad.bitch.money/?hl=en" target="_blank">instagram</a> and <a href="https://au.linkedin.com/in/victoriashakeshaft">LinkedIn. </a><br /><a href="https://ndh.org.au/financial-counselling/find-a-financial-counsellor/">If you're looking for a financial counsellor try this.</a></p><p>Check out the <a href="https://www.financialcounsellingnetwork.org.au/">Financial Counselling Network.</a><br />If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our Instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you.</p><p>If you enjoy the show, we'd love it if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs, or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counseling.</p>
]]></description>
      <pubDate>Sun, 3 Jul 2022 20:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Victoria Shakeshaft, Bad Bitch Money, Blaize Pengilly, WeMoney, Dan Jovevski)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/76-failure-is-the-only-f-word-that-you-cant-say-in-my-office-with-victoria-shakeshaft-from-bad-btch-money-tlj_6REf</link>
      <content:encoded><![CDATA[<p>You can find Victoria on <a href="https://www.instagram.com/bad.bitch.money/?hl=en" target="_blank">instagram</a> and <a href="https://au.linkedin.com/in/victoriashakeshaft">LinkedIn. </a><br /><a href="https://ndh.org.au/financial-counselling/find-a-financial-counsellor/">If you're looking for a financial counsellor try this.</a></p><p>Check out the <a href="https://www.financialcounsellingnetwork.org.au/">Financial Counselling Network.</a><br />If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our Instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you.</p><p>If you enjoy the show, we'd love it if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs, or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counseling.</p>
]]></content:encoded>
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      <itunes:title>76. &quot;Failure is the only F word that you can’t say in my office&quot; with Victoria Shakeshaft from Bad B*tch Money</itunes:title>
      <itunes:author>Victoria Shakeshaft, Bad Bitch Money, Blaize Pengilly, WeMoney, Dan Jovevski</itunes:author>
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      <itunes:summary>The bad bitch herself, Victoria Shakeshaft from Bad Bitch Money shares her thoughts on money, shame, and the concept of &apos;keeping up with the influencers&apos;. </itunes:summary>
      <itunes:subtitle>The bad bitch herself, Victoria Shakeshaft from Bad Bitch Money shares her thoughts on money, shame, and the concept of &apos;keeping up with the influencers&apos;. </itunes:subtitle>
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      <title>75. No money, no time. How to eat well on a budget with Professor Clare Collins</title>
      <description><![CDATA[<p><a href="https://www.linkedin.com/in/clare-collins-25a6a139/" target="_blank">Clare Collins</a> is Laureate Professor in Nutrition and Dietetics in the School of Health Sciences, College of Health, Medicine and Wellbeing at the <a href="https://www.newcastle.edu.au/profile/clare-collins" target="_blank">University of Newcastle.</a></p><p>To take the <a href="https://quiz.nomoneynotime.com.au/quiz/start?_ga=2.93115933.1674486849.1655819520-846833348.1655819517">Healthy Eating Quiz</a> or find hundreds of healthy recipes that are cheap and fast visit<a href="https://nomoneynotime.com.au/"> nomoneynotime.com.au.</a></p><p>More of Clares work can be found on <a href="https://theconversation.com/profiles/clare-collins-7316" target="_blank">The Conversation.</a></p><p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our Instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you.</p><p>If you enjoy the show, we'd love it if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs, or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counseling.</p>
]]></description>
      <pubDate>Sun, 26 Jun 2022 20:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Clare Collins, Dan Jovevski, Blaize Pengilly, WeMoney, University of Newcastle)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/75-no-money-no-time-how-to-eat-well-on-a-budget-with-professor-clare-collins-bEEBSPtg</link>
      <content:encoded><![CDATA[<p><a href="https://www.linkedin.com/in/clare-collins-25a6a139/" target="_blank">Clare Collins</a> is Laureate Professor in Nutrition and Dietetics in the School of Health Sciences, College of Health, Medicine and Wellbeing at the <a href="https://www.newcastle.edu.au/profile/clare-collins" target="_blank">University of Newcastle.</a></p><p>To take the <a href="https://quiz.nomoneynotime.com.au/quiz/start?_ga=2.93115933.1674486849.1655819520-846833348.1655819517">Healthy Eating Quiz</a> or find hundreds of healthy recipes that are cheap and fast visit<a href="https://nomoneynotime.com.au/"> nomoneynotime.com.au.</a></p><p>More of Clares work can be found on <a href="https://theconversation.com/profiles/clare-collins-7316" target="_blank">The Conversation.</a></p><p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our Instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you.</p><p>If you enjoy the show, we'd love it if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs, or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counseling.</p>
]]></content:encoded>
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      <itunes:title>75. No money, no time. How to eat well on a budget with Professor Clare Collins</itunes:title>
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      <itunes:duration>00:48:24</itunes:duration>
      <itunes:summary>Laureate Professor Clare Collins teaches us how you can utilise food to your advantage to outperform your colleagues in a competitive work environment, she emphasises the importance and positive effects of healthy nutrition and the impact that food can have on mood and mental health.</itunes:summary>
      <itunes:subtitle>Laureate Professor Clare Collins teaches us how you can utilise food to your advantage to outperform your colleagues in a competitive work environment, she emphasises the importance and positive effects of healthy nutrition and the impact that food can have on mood and mental health.</itunes:subtitle>
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      <title>74. Smart money decisions, shifting gears &amp; a big award announcement with Dr Lilli Sussman</title>
      <description><![CDATA[<p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p><a href="https://au.linkedin.com/in/lilisussman">Dr. Lilli Sussman</a> is the Chief Strategy Officer at Wisr. You can learn more about Wisr on <a href="https://www.facebook.com/wisraustralia">Facebook</a>, <a href="http://twitter.com/wisraustralia">Twitter,</a> <a href="https://www.linkedin.com/company/wisr-australia">LinkedIn</a> or <a href="https://www.instagram.com/wisraustralia/">Instagram.</a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our Instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you.</p><p>If you enjoy the show, we'd love it if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counseling.</p>
]]></description>
      <pubDate>Sun, 19 Jun 2022 20:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Dr. Lilli Sussman, WeMoney, Dan Jovevski, Blaize Pengilly)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/74-smart-money-decisions-shifting-gears-awards-with-dr-lilli-sussman-v0DimdWy</link>
      <content:encoded><![CDATA[<p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p><a href="https://au.linkedin.com/in/lilisussman">Dr. Lilli Sussman</a> is the Chief Strategy Officer at Wisr. You can learn more about Wisr on <a href="https://www.facebook.com/wisraustralia">Facebook</a>, <a href="http://twitter.com/wisraustralia">Twitter,</a> <a href="https://www.linkedin.com/company/wisr-australia">LinkedIn</a> or <a href="https://www.instagram.com/wisraustralia/">Instagram.</a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our Instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you.</p><p>If you enjoy the show, we'd love it if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counseling.</p>
]]></content:encoded>
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      <itunes:title>74. Smart money decisions, shifting gears &amp; a big award announcement with Dr Lilli Sussman</itunes:title>
      <itunes:author>Dr. Lilli Sussman, WeMoney, Dan Jovevski, Blaize Pengilly</itunes:author>
      <itunes:duration>00:50:20</itunes:duration>
      <itunes:summary>Dr. Lilli Sussman is the Chief Strategy Officer at Wisr. Lilli discusses smart money decisions, and how to shift gears and reminds us that you must have courage and bravery in order to be vulnerable. </itunes:summary>
      <itunes:subtitle>Dr. Lilli Sussman is the Chief Strategy Officer at Wisr. Lilli discusses smart money decisions, and how to shift gears and reminds us that you must have courage and bravery in order to be vulnerable. </itunes:subtitle>
      <itunes:keywords>wisr, fire, personal finance, career change, home loans, wemoney awards, financial freedom, financial independence, wemoney</itunes:keywords>
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      <title>73. Preparing for Tax time in Australia 2022 with Alison Stanbridge</title>
      <description><![CDATA[<p>Alison Stanbridge is an authorized representative of Count Financial Limited, AFSL 227232. The information provided in this recording is general advice only and does not take into account your financial situation, needs and objectives. Before making any decision based on this information, you should consider how appropriate the advice is to your particular financial situation, needs and objectives and seek advice from a financial planner and tax agent. Information is current at the date of the recording and may change. The tax information provided is in Alison’s capacity as a Chartered Accountant working as an employee of dmca Pty Ltd and not in her capacity as an authorized representative of Count Financial Limited.</p><p>Alison works at <a href="https://dmca.com.au/">DMCA Advisory</a> and can be found on <a href="http://www.linkedin.com/in/alisonstanbridge">LinkedIn</a> and <a href="https://www.facebook.com/dmcaadvisory/">Facebook.</a></p><p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our Instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you.</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p><p> </p>
]]></description>
      <pubDate>Sun, 12 Jun 2022 20:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (We Talk Cents, Alison Stanbridge, DMCA Advisory, Blaize Pengilly)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/73-preparing-for-tax-in-australia-2022-s1jpN8TF</link>
      <content:encoded><![CDATA[<p>Alison Stanbridge is an authorized representative of Count Financial Limited, AFSL 227232. The information provided in this recording is general advice only and does not take into account your financial situation, needs and objectives. Before making any decision based on this information, you should consider how appropriate the advice is to your particular financial situation, needs and objectives and seek advice from a financial planner and tax agent. Information is current at the date of the recording and may change. The tax information provided is in Alison’s capacity as a Chartered Accountant working as an employee of dmca Pty Ltd and not in her capacity as an authorized representative of Count Financial Limited.</p><p>Alison works at <a href="https://dmca.com.au/">DMCA Advisory</a> and can be found on <a href="http://www.linkedin.com/in/alisonstanbridge">LinkedIn</a> and <a href="https://www.facebook.com/dmcaadvisory/">Facebook.</a></p><p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our Instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you.</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p><p> </p>
]]></content:encoded>
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      <itunes:title>73. Preparing for Tax time in Australia 2022 with Alison Stanbridge</itunes:title>
      <itunes:author>We Talk Cents, Alison Stanbridge, DMCA Advisory, Blaize Pengilly</itunes:author>
      <itunes:duration>00:41:14</itunes:duration>
      <itunes:summary>The annual financial event we have all been waiting for is here. It&apos;s tax time! Learn how you can prepare, and what you can claim (and what you can&apos;t) with special guest Alison Stanbridge from DMCA Advisory.</itunes:summary>
      <itunes:subtitle>The annual financial event we have all been waiting for is here. It&apos;s tax time! Learn how you can prepare, and what you can claim (and what you can&apos;t) with special guest Alison Stanbridge from DMCA Advisory.</itunes:subtitle>
      <itunes:keywords>taxation, fire, personal finance, money news, financial independence, efoy, tax time, aussie tax, ato</itunes:keywords>
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      <title>72. So you&apos;re thinking about investing? Kurt from Pearler joins us.</title>
      <description><![CDATA[<p><a href="https://au.linkedin.com/in/kurtwalkom">Kurt Walkom</a> is from <a href="https://pearler.com/home">Pearler.</a></p><p><strong>Discount code:</strong> Use <strong>WEMONEY </strong>as a discount code on sign up to apply a free brokerage credit to your account.</p><p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our Instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you.</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p><p> </p>
]]></description>
      <pubDate>Sun, 5 Jun 2022 20:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Kurt Walkom, Pearler, WeMoney, Dan Jovevski, Blaize Pengilly)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/72-so-youre-thinking-about-investing-kurt-from-pearler-joins-us-tOGswZNB</link>
      <content:encoded><![CDATA[<p><a href="https://au.linkedin.com/in/kurtwalkom">Kurt Walkom</a> is from <a href="https://pearler.com/home">Pearler.</a></p><p><strong>Discount code:</strong> Use <strong>WEMONEY </strong>as a discount code on sign up to apply a free brokerage credit to your account.</p><p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our Instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you.</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p><p> </p>
]]></content:encoded>
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      <itunes:title>72. So you&apos;re thinking about investing? Kurt from Pearler joins us.</itunes:title>
      <itunes:author>Kurt Walkom, Pearler, WeMoney, Dan Jovevski, Blaize Pengilly</itunes:author>
      <itunes:duration>00:44:28</itunes:duration>
      <itunes:summary>Kurt Walkom from Pearler gives us the rundown on everything you should consider before you start investing.</itunes:summary>
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      <title>71. What happens to your money when you die?</title>
      <description><![CDATA[<p><a href="https://www.linkedin.com/in/lucypercy/">Lucy Percy</a> is the Principal Lawyer at<a href="https://www.headandheartestateplanning.com.au/" target="_blank"> Heat and Heart Estate Planning</a>. You can find her on <a href="https://www.facebook.com/headandheartestateplanning">Facebook</a> &<a href="https://www.instagram.com/headandheartestateplanning/?hl=en"> Instagram.</a></p><p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our Instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you.</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 29 May 2022 20:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Blaize Pengilly, Lucy Percy, Head and Heart Estate Planning, WeMoney)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/71-what-happens-to-your-money-when-you-die-1WChNkez</link>
      <content:encoded><![CDATA[<p><a href="https://www.linkedin.com/in/lucypercy/">Lucy Percy</a> is the Principal Lawyer at<a href="https://www.headandheartestateplanning.com.au/" target="_blank"> Heat and Heart Estate Planning</a>. You can find her on <a href="https://www.facebook.com/headandheartestateplanning">Facebook</a> &<a href="https://www.instagram.com/headandheartestateplanning/?hl=en"> Instagram.</a></p><p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our Instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you.</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
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      <itunes:title>71. What happens to your money when you die?</itunes:title>
      <itunes:author>Blaize Pengilly, Lucy Percy, Head and Heart Estate Planning, WeMoney</itunes:author>
      <itunes:duration>00:38:09</itunes:duration>
      <itunes:summary>2 things in life are certain, death and taxes. Which makes us think, what actually happens to your money when you die? Join Blaize as she questions Principal Estate Lawyer Lucy Percy on all things wills, estates and planning for the inevitable.</itunes:summary>
      <itunes:subtitle>2 things in life are certain, death and taxes. Which makes us think, what actually happens to your money when you die? Join Blaize as she questions Principal Estate Lawyer Lucy Percy on all things wills, estates and planning for the inevitable.</itunes:subtitle>
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      <title>70. Is it better to save or to invest?</title>
      <description><![CDATA[<p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our Instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you.</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 22 May 2022 20:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (WeMoney, Dan Jovevski, Blaize Pengilly)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/70-is-it-better-to-save-or-to-invest-SpUl0yPT</link>
      <content:encoded><![CDATA[<p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our Instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you.</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
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      <itunes:title>70. Is it better to save or to invest?</itunes:title>
      <itunes:author>WeMoney, Dan Jovevski, Blaize Pengilly</itunes:author>
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      <itunes:summary>Dan &amp; Blaize settle the age-old debate, what should you do with your money to build your wealth? Is it better to save or invest?</itunes:summary>
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      <title>69. 5 steps to get out of debt</title>
      <description><![CDATA[<p><a href="https://www.linkedin.com/in/joel-kandiah-a5bb9757/?originalSubdomain=au">Joel Kandiah</a> can be found on <a href="https://www.tiktok.com/@thehistoryofmoney?lang=en">TikTok</a>, <a href="https://twitter.com/joelkandiah">Twitter</a> & <a href="https://www.instagram.com/thehistoryof_money/?hl=en">Instagram. </a></p><p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our Instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you.</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counseling.</p>
]]></description>
      <pubDate>Mon, 16 May 2022 02:09:35 +0000</pubDate>
      <author>hello@wemoney.com.au (Dan Jovevski, Blaize Pengilly, WeMoney)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/69-5-steps-to-get-out-of-debt-3qqyeuPj</link>
      <content:encoded><![CDATA[<p><a href="https://www.linkedin.com/in/joel-kandiah-a5bb9757/?originalSubdomain=au">Joel Kandiah</a> can be found on <a href="https://www.tiktok.com/@thehistoryofmoney?lang=en">TikTok</a>, <a href="https://twitter.com/joelkandiah">Twitter</a> & <a href="https://www.instagram.com/thehistoryof_money/?hl=en">Instagram. </a></p><p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our Instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you.</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counseling.</p>
]]></content:encoded>
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      <itunes:title>69. 5 steps to get out of debt</itunes:title>
      <itunes:author>Dan Jovevski, Blaize Pengilly, WeMoney</itunes:author>
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      <itunes:summary>Dan &amp; Blaize answer a question from a listener &amp; give 5 practical and actionable steps that you can take to get out of debt.</itunes:summary>
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      <title>68. Money, stress &amp; credit card debt with Joel Kandiah</title>
      <description><![CDATA[<p><a href="https://www.linkedin.com/in/joel-kandiah-a5bb9757/?originalSubdomain=au">Joel Kandiah</a> can be found on <a href="https://www.tiktok.com/@thehistoryofmoney?lang=en">TikTok</a>, <a href="https://twitter.com/joelkandiah">Twitter</a> & <a href="https://www.instagram.com/thehistoryof_money/?hl=en">Instagram. </a></p><p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you.</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p><p>SHOW CONTRIBUTORS</p><p><br /> </p>
]]></description>
      <pubDate>Mon, 9 May 2022 20:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (WeMoney, Dan Jovevski, Blaize Pengilly, Joel Kandiah)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/68-money-stress-credit-card-debt-with-joel-kandiah-8lTSKg3Z</link>
      <content:encoded><![CDATA[<p><a href="https://www.linkedin.com/in/joel-kandiah-a5bb9757/?originalSubdomain=au">Joel Kandiah</a> can be found on <a href="https://www.tiktok.com/@thehistoryofmoney?lang=en">TikTok</a>, <a href="https://twitter.com/joelkandiah">Twitter</a> & <a href="https://www.instagram.com/thehistoryof_money/?hl=en">Instagram. </a></p><p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you.</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p><p>SHOW CONTRIBUTORS</p><p><br /> </p>
]]></content:encoded>
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      <itunes:title>68. Money, stress &amp; credit card debt with Joel Kandiah</itunes:title>
      <itunes:author>WeMoney, Dan Jovevski, Blaize Pengilly, Joel Kandiah</itunes:author>
      <itunes:duration>00:46:44</itunes:duration>
      <itunes:summary>We are thrilled to have the wonderful Joel Kandiah (aka thehistoryof_money) join us for the 3rd time on We Talk Cents. Joel gets raw and real with us as he shares how a stressful time in his life led him to rely on spending lots of cash to feel better. Joel&apos;s story will inspire you, excite you and remind you that every one of us is on a different journey with money. As Joel puts it &quot;Do what is in your control and it will all workout in the end.&quot;</itunes:summary>
      <itunes:subtitle>We are thrilled to have the wonderful Joel Kandiah (aka thehistoryof_money) join us for the 3rd time on We Talk Cents. Joel gets raw and real with us as he shares how a stressful time in his life led him to rely on spending lots of cash to feel better. Joel&apos;s story will inspire you, excite you and remind you that every one of us is on a different journey with money. As Joel puts it &quot;Do what is in your control and it will all workout in the end.&quot;</itunes:subtitle>
      <itunes:keywords>finance, personal finance, oz finance, debt free, managing money, money story, aus finance, psychology, credit cards, money, history of money, cc debt, c, stress, budgeting, credit card debt, financial stress, oz debt free, cash</itunes:keywords>
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      <title>67. The true cost of the floods &amp; underinsurance with Professor Paula Jarzabkowski</title>
      <description><![CDATA[<p><a href="https://www.paulajarzabkowski.com">Paula Jarzabkowski</a> is a professor at the<a href="https://www.linkedin.com/school/uq-business-school/" target="_blank"> University of Queensland Business School.</a></p><p>You can find her on <a href="https://www.linkedin.com/in/paula-jarzabkowski-2017238/" target="_blank">LinkedIn</a> or follow her on twitter <a href="https://twitter.com/profjarz" target="_blank">@ProfJarz.</a></p><p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you.</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 17 Apr 2022 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Dan Jovevski, Blaize Pengilly, Paula Jarzabkowski, WeMoney)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/67-the-true-cost-of-the-floods-underinsurance-with-professor-paula-jarzabkowski-1td3YgAy</link>
      <content:encoded><![CDATA[<p><a href="https://www.paulajarzabkowski.com">Paula Jarzabkowski</a> is a professor at the<a href="https://www.linkedin.com/school/uq-business-school/" target="_blank"> University of Queensland Business School.</a></p><p>You can find her on <a href="https://www.linkedin.com/in/paula-jarzabkowski-2017238/" target="_blank">LinkedIn</a> or follow her on twitter <a href="https://twitter.com/profjarz" target="_blank">@ProfJarz.</a></p><p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you.</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
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      <itunes:title>67. The true cost of the floods &amp; underinsurance with Professor Paula Jarzabkowski</itunes:title>
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      <itunes:summary> Professor Paula Jarzabkowski shares her insights on the true cost of floods &amp; cycles of underinsurance in Australia. In Paula&apos;s own words &quot;There is no time like the present to be more financially literate.” So press play &amp; enhance your knowledge about home insurance.</itunes:summary>
      <itunes:subtitle> Professor Paula Jarzabkowski shares her insights on the true cost of floods &amp; cycles of underinsurance in Australia. In Paula&apos;s own words &quot;There is no time like the present to be more financially literate.” So press play &amp; enhance your knowledge about home insurance.</itunes:subtitle>
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      <title>&quot;Do the best you can with what you&apos;ve got&quot; with Money savvy Mamma</title>
      <description><![CDATA[<p>Find more about our lovely guest Mel from <a href="https://linktr.ee/moneysavvymamma" target="_blank">Money Savvy Mamma </a> on <a href="https://www.instagram.com/moneysavvymamma/" target="_blank">Instagram</a> on her<a href="https://www.facebook.com/moneysavvymamma/"> Facebook </a>or her <a href="https://moneysavvymamma.com/about/" target="_blank">website.</a> </p><p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you.</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 10 Apr 2022 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (WeMoney, Dan Jovevski, Blaize Pengilly, Money Savvy Mamma)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/do-the-best-you-can-with-what-youve-got-with-money-savvy-mamma-UFpOORmy</link>
      <content:encoded><![CDATA[<p>Find more about our lovely guest Mel from <a href="https://linktr.ee/moneysavvymamma" target="_blank">Money Savvy Mamma </a> on <a href="https://www.instagram.com/moneysavvymamma/" target="_blank">Instagram</a> on her<a href="https://www.facebook.com/moneysavvymamma/"> Facebook </a>or her <a href="https://moneysavvymamma.com/about/" target="_blank">website.</a> </p><p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you.</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
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      <itunes:title>&quot;Do the best you can with what you&apos;ve got&quot; with Money savvy Mamma</itunes:title>
      <itunes:author>WeMoney, Dan Jovevski, Blaize Pengilly, Money Savvy Mamma</itunes:author>
      <itunes:duration>00:39:46</itunes:duration>
      <itunes:summary>Money Savvy Mamma shares her wisdom on the importance of being inspired rather than intimidated when it comes to who you look to for inspiration on your money journey. She also spills the beans on how she&apos;s won over $40,000 in competition prizes. (And no, it&apos;s not just pure luck!)</itunes:summary>
      <itunes:subtitle>Money Savvy Mamma shares her wisdom on the importance of being inspired rather than intimidated when it comes to who you look to for inspiration on your money journey. She also spills the beans on how she&apos;s won over $40,000 in competition prizes. (And no, it&apos;s not just pure luck!)</itunes:subtitle>
      <itunes:keywords>finance, frugal, personal finance, motherhood, budget, millenial money, minamalism, debt free, money hacks, budgeting, finfluencer</itunes:keywords>
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      <title>65. Get Super Fierce with Trenna Probert</title>
      <description><![CDATA[<p><a href="https://www.linkedin.com/in/trennaprobert/?originalSubdomain=au" target="_blank">Trenna Probert</a> is the CEO of <a href="https://superfierce.com.au/" target="_blank">Super Fierce.</a></p><p>Super Fierce can also be found on <a href="https://www.instagram.com/besuperfierce/" target="_blank">Instagram</a>, <a href="https://www.facebook.com/SuperFierceAU/" target="_blank">Facebook</a> and <a href="https://www.linkedin.com/company/superfierce/" target="_blank">LinkedIn.</a></p><p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you.</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 20 Mar 2022 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (WeMoney, Dan Jovevski, Blaize Pengilly, Trenna Probert, Super Fierce)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/65-get-super-fierce-with-trenna-probert-vp1w2Auj</link>
      <content:encoded><![CDATA[<p><a href="https://www.linkedin.com/in/trennaprobert/?originalSubdomain=au" target="_blank">Trenna Probert</a> is the CEO of <a href="https://superfierce.com.au/" target="_blank">Super Fierce.</a></p><p>Super Fierce can also be found on <a href="https://www.instagram.com/besuperfierce/" target="_blank">Instagram</a>, <a href="https://www.facebook.com/SuperFierceAU/" target="_blank">Facebook</a> and <a href="https://www.linkedin.com/company/superfierce/" target="_blank">LinkedIn.</a></p><p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you.</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
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      <itunes:title>65. Get Super Fierce with Trenna Probert</itunes:title>
      <itunes:author>WeMoney, Dan Jovevski, Blaize Pengilly, Trenna Probert, Super Fierce</itunes:author>
      <itunes:duration>00:45:25</itunes:duration>
      <itunes:summary>Why care about Superannuation? What is Financial Resilience? What are 3 easy ways that you can boost your retirement fund by a whopping $50,000? Get all of these questions answered (and plenty more) by the tenacious Trenna Probert from Super Fierce.</itunes:summary>
      <itunes:subtitle>Why care about Superannuation? What is Financial Resilience? What are 3 easy ways that you can boost your retirement fund by a whopping $50,000? Get all of these questions answered (and plenty more) by the tenacious Trenna Probert from Super Fierce.</itunes:subtitle>
      <itunes:keywords>fi, retirement, fire, superannuation, personal finance, money news, super, retirement fund, super fierce, debt free, financial resilience, aus finance, financial independence, money management, wemoney, budgeting</itunes:keywords>
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      <title>64. Can you trust your mortgage broker?</title>
      <description><![CDATA[<p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you.</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 13 Mar 2022 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (WeMoney, Dan Jovevski, Blaize Pengilly)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/64-can-you-trust-your-mortgage-broker-Ui42jKlk</link>
      <content:encoded><![CDATA[<p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you.</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
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      <itunes:title>64. Can you trust your mortgage broker?</itunes:title>
      <itunes:author>WeMoney, Dan Jovevski, Blaize Pengilly</itunes:author>
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      <itunes:duration>00:38:10</itunes:duration>
      <itunes:summary>Taking out a home loan is one of the biggest financial decisions you&apos;ll make in your life. So will you go DIY and hunt down the best deals on your own? Or will you call a mortgage broker to help guide you through the process?</itunes:summary>
      <itunes:subtitle>Taking out a home loan is one of the biggest financial decisions you&apos;ll make in your life. So will you go DIY and hunt down the best deals on your own? Or will you call a mortgage broker to help guide you through the process?</itunes:subtitle>
      <itunes:keywords>mortgage broker, mortgage, big 4, fire, personal finance, home loan, banks, debt free, australian finance, aus finance, money, wemoney, we talk cents, broker, debt, aus property, first home, investment property, big banks</itunes:keywords>
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      <title>63. What&apos;s the deal with &quot;Rent to Buy&quot; schemes?</title>
      <description><![CDATA[<p>Sources:</p><p><a href="https://www.reuters.com/markets/europe/how-russia-ukraine-conflict-might-hit-global-markets-2022-02-19/">Russia/Ukraine conflict.</a></p><p><a href="https://7news.com.au/sunrise/on-the-show/australias-median-house-price-passes-1-million-for-first-time-in-history--c-5461367" target="_blank">Property Prices.</a></p><p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you.</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 27 Feb 2022 17:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (WeMoney, Dan Jovevski, Blaize Pengilly)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/63-whats-the-deal-with-rent-to-buy-schemes-y4QG5Rpn</link>
      <content:encoded><![CDATA[<p>Sources:</p><p><a href="https://www.reuters.com/markets/europe/how-russia-ukraine-conflict-might-hit-global-markets-2022-02-19/">Russia/Ukraine conflict.</a></p><p><a href="https://7news.com.au/sunrise/on-the-show/australias-median-house-price-passes-1-million-for-first-time-in-history--c-5461367" target="_blank">Property Prices.</a></p><p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you.</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
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      <itunes:title>63. What&apos;s the deal with &quot;Rent to Buy&quot; schemes?</itunes:title>
      <itunes:author>WeMoney, Dan Jovevski, Blaize Pengilly</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/1efcb10f-2234-43e9-a3cf-bab726fcb028/3000x3000/podcast-art-square.jpg?aid=rss_feed"/>
      <itunes:duration>00:33:09</itunes:duration>
      <itunes:summary>Entering the property market may seem like a dream that is out of reach for most Australians. If you&apos;re a first home buyer you might be curious about the &apos;rent to buy&apos; schemes that have been popping up lately. Blaize questions Dan about these schemes and finds out that they might be a bit riskier than they seem.</itunes:summary>
      <itunes:subtitle>Entering the property market may seem like a dream that is out of reach for most Australians. If you&apos;re a first home buyer you might be curious about the &apos;rent to buy&apos; schemes that have been popping up lately. Blaize questions Dan about these schemes and finds out that they might be a bit riskier than they seem.</itunes:subtitle>
      <itunes:keywords>rent to buy, rent to own, personal finance, millenial money, property prices, home ownership, ausfinance, debt free, property ladder, aus gov, first home super saver scheme, first home buygers, money, first home owner</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
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      <title>How to manage money if you win the lotto or get a divorce with Aynsley Jurson.</title>
      <description><![CDATA[<p>Find out more about <a href="https://www.aynsleyjurson.com/" target="_blank">Aynsley Jurson </a>here. Alternatively you can find her on <a href="https://www.linkedin.com/in/aynsleyjurson/?originalSubdomain=au">LinkedIn  </a>or <a href="https://www.facebook.com/aynsleyjursoncoach">Facebook </a>or <a href="https://www.pinterest.com.au/aynsleyjurson/" target="_blank">Pinterest </a></p><p><a href="https://www.aynsleyjurson.com/experts-guide-download" target="_blank">Click here to download the free eBook on The 4 STages of Financial Transition.</a></p><p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you.</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 20 Feb 2022 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Dan Jovevski, Blaize Pengilly, Aynsley Jurson)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/how-to-manage-money-if-you-win-the-lotto-or-get-a-divorce-with-aynsley-jurson-1G__sp7r</link>
      <content:encoded><![CDATA[<p>Find out more about <a href="https://www.aynsleyjurson.com/" target="_blank">Aynsley Jurson </a>here. Alternatively you can find her on <a href="https://www.linkedin.com/in/aynsleyjurson/?originalSubdomain=au">LinkedIn  </a>or <a href="https://www.facebook.com/aynsleyjursoncoach">Facebook </a>or <a href="https://www.pinterest.com.au/aynsleyjurson/" target="_blank">Pinterest </a></p><p><a href="https://www.aynsleyjurson.com/experts-guide-download" target="_blank">Click here to download the free eBook on The 4 STages of Financial Transition.</a></p><p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you.</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
      <enclosure length="43781964" type="audio/mpeg" url="https://cdn.simplecast.com/audio/1b2244d3-17aa-4a60-bc2a-e31609dc4426/episodes/bb400572-a844-4ec1-99fa-0c20f8e73d89/audio/0d9564d8-d98d-4f78-ab1f-0ee66d41be12/default_tc.mp3?aid=rss_feed&amp;feed=Qtxr8H0X"/>
      <itunes:title>How to manage money if you win the lotto or get a divorce with Aynsley Jurson.</itunes:title>
      <itunes:author>Dan Jovevski, Blaize Pengilly, Aynsley Jurson</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/dab433e4-6252-4b88-ac5a-4c9315709928/3000x3000/podcast-art-square.jpg?aid=rss_feed"/>
      <itunes:duration>00:45:36</itunes:duration>
      <itunes:summary>Aynsley Jurson, Certified Financial Transitionist and Divorce and Separation Strategist talks us through the 4 phases of Financial Transition. Whether you&apos;re facing divorce, selling a business, win the lottery or receive an inheritance, you can expect to go through these 4 phases. Aynsley unites her expertise and compassion to assist clients through these life changing events.</itunes:summary>
      <itunes:subtitle>Aynsley Jurson, Certified Financial Transitionist and Divorce and Separation Strategist talks us through the 4 phases of Financial Transition. Whether you&apos;re facing divorce, selling a business, win the lottery or receive an inheritance, you can expect to go through these 4 phases. Aynsley unites her expertise and compassion to assist clients through these life changing events.</itunes:subtitle>
      <itunes:keywords>fire, personal finance, accountant, separation, financial transition, ausfinance, debt free, lottery, lottery win, inheritance, finances, financial independence, financial advisor, monye, transition, budgeting, how to manage money, lotto win, divorce</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
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      <title>61. Three Conversations you need to have with your partner about money</title>
      <description><![CDATA[<p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 13 Feb 2022 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (WeMoney, Dan Jovevski, Blaize Pengilly)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/61-3-conversations-you-need-to-have-with-your-partner-about-money-o1D4B2aJ</link>
      <content:encoded><![CDATA[<p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
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      <itunes:title>61. Three Conversations you need to have with your partner about money</itunes:title>
      <itunes:author>WeMoney, Dan Jovevski, Blaize Pengilly</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/01e7e3ab-076e-4a5f-96e9-2568f2f1bd6d/3000x3000/podcast-art-square.jpg?aid=rss_feed"/>
      <itunes:duration>00:33:26</itunes:duration>
      <itunes:summary>It&apos;s time for the annual We Talk Cents Valentine&apos;s day special. Join Dan &amp; Blaize to find out who they think should pay on the first date, money red flags and 3 money conversations you should be having with your partner if things are getting a little bit serious.</itunes:summary>
      <itunes:subtitle>It&apos;s time for the annual We Talk Cents Valentine&apos;s day special. Join Dan &amp; Blaize to find out who they think should pay on the first date, money red flags and 3 money conversations you should be having with your partner if things are getting a little bit serious.</itunes:subtitle>
      <itunes:keywords>aussie money, budgeting with a partner, fire, budget, debt free, money baggage, share budget, financial support, joint bank, aus money, money, debt, joint account, budgeting, valentines day, perosnal finance, credit card debt, money in relationships, relationships</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
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      <itunes:episode>61</itunes:episode>
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      <title>60. The truth about payday loans</title>
      <description><![CDATA[<p><a href="https://goodshep.org.au/services/nils/">NILS Provider.</a></p><p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 6 Feb 2022 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (WeMoney, Dan Jovevski, Blaize Pengilly)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/60-the-truth-about-payday-loans-lmHbJd_T</link>
      <content:encoded><![CDATA[<p><a href="https://goodshep.org.au/services/nils/">NILS Provider.</a></p><p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
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      <itunes:title>60. The truth about payday loans</itunes:title>
      <itunes:author>WeMoney, Dan Jovevski, Blaize Pengilly</itunes:author>
      <itunes:duration>00:35:44</itunes:duration>
      <itunes:summary>If you find yourself in a pinch and need to get money fast it may be tempting to access cash via a payday loan. But, beware as there are risks involved with this type of lending. Dan and Blaize reveal all...</itunes:summary>
      <itunes:subtitle>If you find yourself in a pinch and need to get money fast it may be tempting to access cash via a payday loan. But, beware as there are risks involved with this type of lending. Dan and Blaize reveal all...</itunes:subtitle>
      <itunes:keywords>finance, afterpay, payday loan, interest, personal finance, money help, money news, loans, credit score, payday, oz finance, credit rating, debt free, aus finance, sac, mypaynow, before pay, dfc, wemoney, zip, short term loan, nils, debt free community, cash advance</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
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      <itunes:episode>60</itunes:episode>
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      <title>59.  Is it better to buy or rent in Australia?</title>
      <description><![CDATA[<p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 30 Jan 2022 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (WeMoney, Dan Jovevski, Blaize Pengilly)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/59-is-it-better-to-buy-or-rent-in-australia-dSGmew04</link>
      <content:encoded><![CDATA[<p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
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      <itunes:title>59.  Is it better to buy or rent in Australia?</itunes:title>
      <itunes:author>WeMoney, Dan Jovevski, Blaize Pengilly</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/d5b0093d-03a6-4ab5-ab9f-d54b08b16e1f/3000x3000/podcast-art-episode-9-14.jpg?aid=rss_feed"/>
      <itunes:duration>00:43:11</itunes:duration>
      <itunes:summary>It&apos;s the age-old debate, will you be financially better off if you buy or rent? Dan and Blaize don their debating uniforms and explore the positive and negative sides of each.</itunes:summary>
      <itunes:subtitle>It&apos;s the age-old debate, will you be financially better off if you buy or rent? Dan and Blaize don their debating uniforms and explore the positive and negative sides of each.</itunes:subtitle>
      <itunes:keywords>housing in australia, personal finance, renting, housing market, oz finance, money saving, debt free, economic, aus finance, buy, australian economics, rent, buying, debt free community, house rices</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>59</itunes:episode>
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      <title>58. Common Money Mistakes to avoid in 2022.</title>
      <description><![CDATA[<p><a href="https://wemoney-wetalkcents.simplecast.com/episodes/the-snowball-method-5-other-strategies-you-can-use-to-get-out-of-debt-asap">How to combat Debt.</a></p><p><a href="http://www.wemoney.com.au/yearplanner" target="_blank">Download the WeMoney 2022 year Planner. </a></p><p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 23 Jan 2022 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (WeMoney, Dan Jovevski, Blaize Pengilly)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/58-common-money-mistakes-to-avoid-in-2022-FtcoMBIW</link>
      <content:encoded><![CDATA[<p><a href="https://wemoney-wetalkcents.simplecast.com/episodes/the-snowball-method-5-other-strategies-you-can-use-to-get-out-of-debt-asap">How to combat Debt.</a></p><p><a href="http://www.wemoney.com.au/yearplanner" target="_blank">Download the WeMoney 2022 year Planner. </a></p><p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
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      <itunes:title>58. Common Money Mistakes to avoid in 2022.</itunes:title>
      <itunes:author>WeMoney, Dan Jovevski, Blaize Pengilly</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/0dd68c70-cc15-48b3-aa0a-4e48071e8ead/3000x3000/podcast-art-episode-9-13.jpg?aid=rss_feed"/>
      <itunes:duration>00:43:42</itunes:duration>
      <itunes:summary>2022 is well underway which means it&apos;s time to leave simple money mistakes in the past. Dan &amp; Blaize warn the most common money mistakes &amp; give ideas on how you can avoid making them. </itunes:summary>
      <itunes:subtitle>2022 is well underway which means it&apos;s time to leave simple money mistakes in the past. Dan &amp; Blaize warn the most common money mistakes &amp; give ideas on how you can avoid making them. </itunes:subtitle>
      <itunes:keywords>financial wellness, personal finance, oz finance, bad habits, debt free, money resolutions, money habits, debt free xommunity, mistakes, money, money goals, dfc, money mistakes to avoid, financial education, aud finance, consumer debt, money mistakes</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
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      <title>57. Master your habits to get ahead in 2022 with Sam Salzer</title>
      <description><![CDATA[<p>Learn more about Samuel Salzer on his <a href="https://www.samuelsalzer.com/">website</a> check out <a href="https://www.habitweekly.com/" target="_blank">Habit Weekly</a> or listen  to The Behavioural Design Podcast.</p><p><a href="http://www.wemoney.com.au/yearplanner" target="_blank">Download the WeMoney 2022 year Planner. </a></p><p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 2 Jan 2022 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Daniel Jovevski, Blaize Pengilly, Samuel Salzer)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/57-master-your-habits-to-get-ahead-in-2022-with-sam-salzer-_bqqdjsZ</link>
      <content:encoded><![CDATA[<p>Learn more about Samuel Salzer on his <a href="https://www.samuelsalzer.com/">website</a> check out <a href="https://www.habitweekly.com/" target="_blank">Habit Weekly</a> or listen  to The Behavioural Design Podcast.</p><p><a href="http://www.wemoney.com.au/yearplanner" target="_blank">Download the WeMoney 2022 year Planner. </a></p><p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
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      <itunes:title>57. Master your habits to get ahead in 2022 with Sam Salzer</itunes:title>
      <itunes:author>Daniel Jovevski, Blaize Pengilly, Samuel Salzer</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/185fc11b-2626-463e-99fa-3276ac5bc3ac/3000x3000/podcast-art-episode-9-12.jpg?aid=rss_feed"/>
      <itunes:duration>00:51:19</itunes:duration>
      <itunes:summary>If you want to really embrace the &apos;New Year, New Me; mantra then you&apos;re going to need to get your habits in check. Samuel Salzer, author, keynote speaker and co-host of Habits Weekly shares his insight on how to master your habits to achieve what you want in 2022. </itunes:summary>
      <itunes:subtitle>If you want to really embrace the &apos;New Year, New Me; mantra then you&apos;re going to need to get your habits in check. Samuel Salzer, author, keynote speaker and co-host of Habits Weekly shares his insight on how to master your habits to achieve what you want in 2022. </itunes:subtitle>
      <itunes:keywords>financial health, financial wellness, fi, goals, fire, personal finance, new years resolutions, goal setting, human behaviour, motivation, resolutions, science, nye, aus finance, 2022 goals, habits, change, financial independence, re, money, wemoney, behavioural science, habits weekly, new years, psychology of money, ny resolutions</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
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      <title>56. How do Aussies feel about their finances? An end of year special with  Lacey Filipich &amp; Joel Kandiah</title>
      <description><![CDATA[<p><a href="https://assets.website-files.com/5f35464410e0c30c3376f85c/61adabe6f3208cee472769c1_WeMoney%20Financial%20Wellness%20Survey%202021%20-%202022.pdf" target="_blank">Access the full results from the 2021 Financial wellness survey.</a></p><p>Learn more about <a href="https://www.linkedin.com/in/laceyjfilipich/" target="_blank">Lacey Filipich</a> and the good work she does with <a href="https://www.moneyschool.org.au/" target="_blank">Money School.</a> Find <a href="https://www.linkedin.com/company/moneyschool/">Money School</a> on<a href="https://www.instagram.com/moneyschoolorg/"> Instagram,</a> <a href="https://www.facebook.com/moneyschoolorg/">Facebook</a> or <a href="https://twitter.com/moneyschoolorg">Twitter.</a></p><p>Get dancing with<a href="https://au.linkedin.com/in/joel-kandiah-a5bb9757"> Joel Kandiah</a> on <a href="https://www.tiktok.com/@thehistoryofmoney" target="_blank">TikTok</a> or <a href="https://www.instagram.com/thehistoryof_money">Instagram.</a></p><p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 26 Dec 2021 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Dan Jovevski, Blaize Pengilly, WeMoney, Joel Kandiah, Lacey Filipich)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/56-how-do-aussies-feel-about-their-finances-an-end-of-year-special-with-lacey-filipich-joel-kandiah-jDdE0TbN</link>
      <content:encoded><![CDATA[<p><a href="https://assets.website-files.com/5f35464410e0c30c3376f85c/61adabe6f3208cee472769c1_WeMoney%20Financial%20Wellness%20Survey%202021%20-%202022.pdf" target="_blank">Access the full results from the 2021 Financial wellness survey.</a></p><p>Learn more about <a href="https://www.linkedin.com/in/laceyjfilipich/" target="_blank">Lacey Filipich</a> and the good work she does with <a href="https://www.moneyschool.org.au/" target="_blank">Money School.</a> Find <a href="https://www.linkedin.com/company/moneyschool/">Money School</a> on<a href="https://www.instagram.com/moneyschoolorg/"> Instagram,</a> <a href="https://www.facebook.com/moneyschoolorg/">Facebook</a> or <a href="https://twitter.com/moneyschoolorg">Twitter.</a></p><p>Get dancing with<a href="https://au.linkedin.com/in/joel-kandiah-a5bb9757"> Joel Kandiah</a> on <a href="https://www.tiktok.com/@thehistoryofmoney" target="_blank">TikTok</a> or <a href="https://www.instagram.com/thehistoryof_money">Instagram.</a></p><p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
      <enclosure length="51701060" type="audio/mpeg" url="https://cdn.simplecast.com/audio/1b2244d3-17aa-4a60-bc2a-e31609dc4426/episodes/49201d3c-54a8-42d6-9cbc-158e0030c14e/audio/f383e59f-163e-4119-b458-10901b5433ff/default_tc.mp3?aid=rss_feed&amp;feed=Qtxr8H0X"/>
      <itunes:title>56. How do Aussies feel about their finances? An end of year special with  Lacey Filipich &amp; Joel Kandiah</itunes:title>
      <itunes:author>Dan Jovevski, Blaize Pengilly, WeMoney, Joel Kandiah, Lacey Filipich</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/2eb2f23e-1223-4e69-9473-5188c466b8c9/3000x3000/podcast-art-episode-9-11.jpg?aid=rss_feed"/>
      <itunes:duration>00:53:51</itunes:duration>
      <itunes:summary>Blaize &amp; Dan present their findings from the 2021 WeMoney Financial Wellness survey. Your favourite &apos;Fintcoker&apos; Joel Kandiah (aka The History of Money) and the wonderful Lacey Filipich (Director of Money School) share their thoughts on the results.</itunes:summary>
      <itunes:subtitle>Blaize &amp; Dan present their findings from the 2021 WeMoney Financial Wellness survey. Your favourite &apos;Fintcoker&apos; Joel Kandiah (aka The History of Money) and the wonderful Lacey Filipich (Director of Money School) share their thoughts on the results.</itunes:subtitle>
      <itunes:keywords>finance, financial wellness, frugal, personal finance, debtfree, credit, survey, australian finance, aus finance, fintech, money research, aus money, financial independence, fintok, money school, history of money, debt, study, debt free community</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
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      <title>55. Last minute Christmas gifts that will help your loved ones get better with their money</title>
      <description><![CDATA[<p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 19 Dec 2021 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Dan Jovevski, Blaize Pengilly, WeMoney)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/55-christmas-gifts-for-financial-wellness-wTJsyZI6</link>
      <content:encoded><![CDATA[<p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
      <enclosure length="32940112" type="audio/mpeg" url="https://cdn.simplecast.com/audio/1b2244d3-17aa-4a60-bc2a-e31609dc4426/episodes/048aa192-36f8-4d5b-bb8f-2d0d001a5f52/audio/0cde69a7-f7d6-4e85-8d82-b6ca6b509a5d/default_tc.mp3?aid=rss_feed&amp;feed=Qtxr8H0X"/>
      <itunes:title>55. Last minute Christmas gifts that will help your loved ones get better with their money</itunes:title>
      <itunes:author>Dan Jovevski, Blaize Pengilly, WeMoney</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/38de4bc9-1b31-4b54-a868-255750647823/3000x3000/untitled-design-1.jpg?aid=rss_feed"/>
      <itunes:duration>00:34:19</itunes:duration>
      <itunes:summary>The countdown is on and we are mere few days away from the fat man arriving in the chimney. Have you sorted out all of your presents? Dan and Blaize run through an inspired list of gifts that are so good they will never be regifted. And although this is for Christmas, we guarantee these gifts will spread joy all year round.
</itunes:summary>
      <itunes:subtitle>The countdown is on and we are mere few days away from the fat man arriving in the chimney. Have you sorted out all of your presents? Dan and Blaize run through an inspired list of gifts that are so good they will never be regifted. And although this is for Christmas, we guarantee these gifts will spread joy all year round.
</itunes:subtitle>
      <itunes:explicit>no</itunes:explicit>
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      <title>54. WTF is a NFT?!</title>
      <description><![CDATA[<p><a href="https://www.linkedin.com/in/tlg/" target="_blank">Timothy Glover</a> is the Co-founder of <a href="https://chronicle.io/" target="_blank">Chronicle</a>. </p><p>Check out their<a href="https://twitter.com/ChronicleXNL" target="_blank"> twitter</a> or <a href="https://www.instagram.com/chronicle.nft/">instagram</a>.</p><p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 12 Dec 2021 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Dan Jovevski, Blaize Pengilly, Timothy Glover)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/54-wtf-is-a-nft-OKAS6RYO</link>
      <content:encoded><![CDATA[<p><a href="https://www.linkedin.com/in/tlg/" target="_blank">Timothy Glover</a> is the Co-founder of <a href="https://chronicle.io/" target="_blank">Chronicle</a>. </p><p>Check out their<a href="https://twitter.com/ChronicleXNL" target="_blank"> twitter</a> or <a href="https://www.instagram.com/chronicle.nft/">instagram</a>.</p><p>If you want to budget better or check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
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      <itunes:title>54. WTF is a NFT?!</itunes:title>
      <itunes:author>Dan Jovevski, Blaize Pengilly, Timothy Glover</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/d536cfae-8c0e-49d2-96b2-e7a086248aed/3000x3000/podcast-art-episode-9-8.jpg?aid=rss_feed"/>
      <itunes:duration>00:36:14</itunes:duration>
      <itunes:summary>Got no clue what an NTF is?! Want to sell or buy digital assets online? Well tune in. Timothy Glover unveils all things Non Fungible Tokens.</itunes:summary>
      <itunes:subtitle>Got no clue what an NTF is?! Want to sell or buy digital assets online? Well tune in. Timothy Glover unveils all things Non Fungible Tokens.</itunes:subtitle>
      <itunes:keywords>financial wellness, bitcoin, oz money, investing, debt free, nft, tim glover, chronicle, perth, finances, aus finance, personal finances, cryptocurrency, non fungible tokens, money, crypto, fdc, timothy glover, budgeting, ethereum</itunes:keywords>
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      <title>53. Welcome to Web 3.0 with Leigh Travers from Binance Australia</title>
      <description><![CDATA[<p>Todays guest was <a href="https://www.linkedin.com/in/leigh-travers-b9a68235/" target="_blank">Leigh Travers</a> from<a href="https://www.binance.com/en-AU" target="_blank"> Binance Australia.</a></p><p>Binance Australia is on <a href="https://www.instagram.com/Binance/">Instagram</a>, <a href="https://www.facebook.com/binance">Facebook</a> and <a href="https://twitter.com/binance">Twitter.</a></p><p>If you want to check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 5 Dec 2021 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (WeMoney, Dan Jovevski, Leigh Travers, Blaize Pengilly)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/53-welcome-to-web-30-with-leigh-travers-from-binance-australia-6fIjzxCz</link>
      <content:encoded><![CDATA[<p>Todays guest was <a href="https://www.linkedin.com/in/leigh-travers-b9a68235/" target="_blank">Leigh Travers</a> from<a href="https://www.binance.com/en-AU" target="_blank"> Binance Australia.</a></p><p>Binance Australia is on <a href="https://www.instagram.com/Binance/">Instagram</a>, <a href="https://www.facebook.com/binance">Facebook</a> and <a href="https://twitter.com/binance">Twitter.</a></p><p>If you want to check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
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      <itunes:title>53. Welcome to Web 3.0 with Leigh Travers from Binance Australia</itunes:title>
      <itunes:author>WeMoney, Dan Jovevski, Leigh Travers, Blaize Pengilly</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/bf1f7a81-c4c6-4298-86c3-c1db6fc94b89/3000x3000/podcast-art-episode-9-7.jpg?aid=rss_feed"/>
      <itunes:duration>00:38:17</itunes:duration>
      <itunes:summary>Gone are the days of dial up internet, Msn messenger and using the net as a &apos;read-only&apos; interface. Welcome in Web 3.0. But what is Web3.0? Leigh Travers, CEO of Binance Australia explains what it is, and how it is already impacting our personal finances.</itunes:summary>
      <itunes:subtitle>Gone are the days of dial up internet, Msn messenger and using the net as a &apos;read-only&apos; interface. Welcome in Web 3.0. But what is Web3.0? Leigh Travers, CEO of Binance Australia explains what it is, and how it is already impacting our personal finances.</itunes:subtitle>
      <itunes:keywords>fire, personal finance, binance australia, web2.0, decentralised finance, web, web3.0, defi, web1.0, future finance, aus finance, retire early, internet, financial independence, binance, money, frugal living, wemoney, ozfinance</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
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      <title>52. Your bank knows your credit score, so why don&apos;t you?</title>
      <description><![CDATA[<p>If you want to check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 21 Nov 2021 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (WeMoney, Dan Jovevski, Blaize Pengilly)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/52-your-bank-knows-your-credit-score-so-why-dont-you-HFy7QKns</link>
      <content:encoded><![CDATA[<p>If you want to check out your credit score, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
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      <itunes:title>52. Your bank knows your credit score, so why don&apos;t you?</itunes:title>
      <itunes:author>WeMoney, Dan Jovevski, Blaize Pengilly</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/c13b8a48-9467-4a85-8a0f-6a879a927efa/3000x3000/podcast-art-episode-9-6.jpg?aid=rss_feed"/>
      <itunes:duration>00:35:05</itunes:duration>
      <itunes:summary>Credit Rating. It&apos;s like the report card for your bank that determines your creditworthiness. But what does that mean? How is your score calculated and why is it important to know? Dan &amp; Blaize dive in to uncover all.</itunes:summary>
      <itunes:subtitle>Credit Rating. It&apos;s like the report card for your bank that determines your creditworthiness. But what does that mean? How is your score calculated and why is it important to know? Dan &amp; Blaize dive in to uncover all.</itunes:subtitle>
      <itunes:keywords>fi, fire, personal finance, help, credit bureau, credit, credit score, ausfinance, credit rating, experion, debt free, savings, hecs, personal loan, aus money, financial independence, re, money, dfc, debt, budgeting, credit card, consumer debt, illion</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
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      <title>51. Here’s why you should know your Net Worth</title>
      <description><![CDATA[<p>Learn more about FI/RE in our chat with <a href="https://wemoney-wetalkcents.simplecast.com/episodes/a-frugal-first-date-with-capatin-fi-emergency-funds-and-the-cash-only-budget">Captain FI.</a></p><p> </p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 14 Nov 2021 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (WeMoney, Dan Jovevski, Blaize Pengilly)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/510heres-why-you-should-know-your-net-worth-sHhwkyrC</link>
      <content:encoded><![CDATA[<p>Learn more about FI/RE in our chat with <a href="https://wemoney-wetalkcents.simplecast.com/episodes/a-frugal-first-date-with-capatin-fi-emergency-funds-and-the-cash-only-budget">Captain FI.</a></p><p> </p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
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      <itunes:title>51. Here’s why you should know your Net Worth</itunes:title>
      <itunes:author>WeMoney, Dan Jovevski, Blaize Pengilly</itunes:author>
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      <itunes:duration>00:35:16</itunes:duration>
      <itunes:summary>Elon Musk, the richest man in the world is sitting at an estimated 271 billion dollars. However, everyone&apos;s favourite Mean Girls star, Lindsay Lohan is estimated to have a Net Worth of $800,000. But, do you know yours?
</itunes:summary>
      <itunes:subtitle>Elon Musk, the richest man in the world is sitting at an estimated 271 billion dollars. However, everyone&apos;s favourite Mean Girls star, Lindsay Lohan is estimated to have a Net Worth of $800,000. But, do you know yours?
</itunes:subtitle>
      <itunes:keywords>fi, wealthy, fire, personal finance, budget, ausfinance, debt free, broke, debtfreecommunityaus, retire early, aussie finance, net wealth, saving, financial independence, rich, money, dfc, wemoney, budgeting, ozfinance, net worth</itunes:keywords>
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      <title>50. A whopping 25% of Aussies now own Crypto.</title>
      <description><![CDATA[<p>Statisitics are from the <a href="https://swyftx.com/wp-content/uploads/2021/09/swyftxcryptocurrencysurvey.pdf">Annual Australia Cryptocurrency Survey report </a><a href="/"><strong>conducted by YouGov research and commissioned by Swyftx.</strong></a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 7 Nov 2021 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Dan Jovevski, Blaize Pengilly, WeMoney)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/50-a-whopping-25-of-aussies-now-own-crypto-sJ_4JIWB</link>
      <content:encoded><![CDATA[<p>Statisitics are from the <a href="https://swyftx.com/wp-content/uploads/2021/09/swyftxcryptocurrencysurvey.pdf">Annual Australia Cryptocurrency Survey report </a><a href="/"><strong>conducted by YouGov research and commissioned by Swyftx.</strong></a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
      <enclosure length="29606425" type="audio/mpeg" url="https://cdn.simplecast.com/audio/1b2244d3-17aa-4a60-bc2a-e31609dc4426/episodes/b6966665-4891-4c5f-a6a5-6d0ef0c0650a/audio/f4892353-1b76-4517-9acd-a234db93adf4/default_tc.mp3?aid=rss_feed&amp;feed=Qtxr8H0X"/>
      <itunes:title>50. A whopping 25% of Aussies now own Crypto.</itunes:title>
      <itunes:author>Dan Jovevski, Blaize Pengilly, WeMoney</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/fc1388d8-ee7b-416a-8974-dc62140772e4/3000x3000/podcast-art-episode-9-4.jpg?aid=rss_feed"/>
      <itunes:duration>00:30:50</itunes:duration>
      <itunes:summary>Australia has been well and truly caught up on the crypto-craze. Your hosts Dan &amp; Blaize look at what&apos;s been happening in the world of Crypto lately.</itunes:summary>
      <itunes:subtitle>Australia has been well and truly caught up on the crypto-craze. Your hosts Dan &amp; Blaize look at what&apos;s been happening in the world of Crypto lately.</itunes:subtitle>
      <itunes:keywords>stocks, bitcoin, oz money, btc, personal finance, investing, oz finance, debt free, nft, ripple, commbank, aus finance, xrp, cba, cryptocurrency, shares, crypto, trading, cryptography, australia, ethereum</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
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      <title>49. Marie Kondo your finances with Aleks from brokegirlwealth</title>
      <description><![CDATA[<p>Do yourself a favour and follow Aleks on <a href="http://www.instagram.com/brokegirlwealth" target="_blank">Instagram</a> and <a href="https://www.tiktok.com/@brokegirlwealth?lang=en" target="_blank">TikTok</a>. You can also check out her <a href="http://www.brokegirlwealth.com/" target="_blank">website.</a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 31 Oct 2021 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Dan Jovevski, Blaize Pengilly, Aleks Nikolic, Brokegirlwealth)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/49-marie-kondo-your-finances-with-aleks-from-brokegirlwealth-K_hSq3do</link>
      <content:encoded><![CDATA[<p>Do yourself a favour and follow Aleks on <a href="http://www.instagram.com/brokegirlwealth" target="_blank">Instagram</a> and <a href="https://www.tiktok.com/@brokegirlwealth?lang=en" target="_blank">TikTok</a>. You can also check out her <a href="http://www.brokegirlwealth.com/" target="_blank">website.</a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
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      <itunes:title>49. Marie Kondo your finances with Aleks from brokegirlwealth</itunes:title>
      <itunes:author>Dan Jovevski, Blaize Pengilly, Aleks Nikolic, Brokegirlwealth</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/e52f5c4b-43e1-44c5-8ce4-89ecdcf5c498/3000x3000/podcast-art-episode-9-3.jpg?aid=rss_feed"/>
      <itunes:duration>00:40:17</itunes:duration>
      <itunes:summary>The delightful Aleks of @brokegirlwealth fame joins us to share her story of transformation, from being snowed under in credit card debt to now having a Net Worth of over $140,000. Aleks also drops her tips on how to Marie Kondo your finances and give them the spring clean they need.</itunes:summary>
      <itunes:subtitle>The delightful Aleks of @brokegirlwealth fame joins us to share her story of transformation, from being snowed under in credit card debt to now having a Net Worth of over $140,000. Aleks also drops her tips on how to Marie Kondo your finances and give them the spring clean they need.</itunes:subtitle>
      <itunes:keywords>marie kondo, fi, fire, personal finance, millenial money, wealth, oz finance, brokegirlwealth, spring clean, debt free, savings, broke, money tips, aus finance, aus money, financial independence, money, money hacks, dfc, saving money, debt, budgeting</itunes:keywords>
      <itunes:explicit>yes</itunes:explicit>
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      <title>48. Is it better to buy a car outright or to get a car loan?</title>
      <description><![CDATA[<p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 24 Oct 2021 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Dan Jovevski, Blaize Pengilly, WeMoney)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/48-is-it-better-to-buy-a-car-outright-or-to-get-a-car-loan-NPNxMqZQ</link>
      <content:encoded><![CDATA[<p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
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      <itunes:title>48. Is it better to buy a car outright or to get a car loan?</itunes:title>
      <itunes:author>Dan Jovevski, Blaize Pengilly, WeMoney</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/c146b6c3-591e-4c21-9581-725632892bd3/3000x3000/podcast-art-episode-9-2.jpg?aid=rss_feed"/>
      <itunes:duration>00:35:56</itunes:duration>
      <itunes:summary>Dan and Blaize crank out their overalls and look under the hood at all things car shopping. They discuss the hidden costs involved and explore whether or not it&apos;s better to buy outright or to get finance.</itunes:summary>
      <itunes:subtitle>Dan and Blaize crank out their overalls and look under the hood at all things car shopping. They discuss the hidden costs involved and explore whether or not it&apos;s better to buy outright or to get finance.</itunes:subtitle>
      <itunes:keywords>fi, fire, car loan, credit scores, personal loan, retire early, financial independence, car, car insurance, car market, new car, used cars, car finance, budgeting, car shopping, car buying</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
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      <title>47. How to choose the bank that is best for you</title>
      <description><![CDATA[<p>If you are impacted by the Lockdown and seeking financial support, <a href="https://www.wemoney.com.au/blog/what-financial-support-can-i-get-during-lockdown" target="_blank">take a look at this list.</a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sat, 16 Oct 2021 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Blaize Pengilly, Dan Jovevski)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/47-how-to-choose-the-bank-that-is-best-for-you-jE5INReF</link>
      <content:encoded><![CDATA[<p>If you are impacted by the Lockdown and seeking financial support, <a href="https://www.wemoney.com.au/blog/what-financial-support-can-i-get-during-lockdown" target="_blank">take a look at this list.</a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
      <enclosure length="44767896" type="audio/mpeg" url="https://cdn.simplecast.com/audio/1b2244d3-17aa-4a60-bc2a-e31609dc4426/episodes/5f442d5b-de93-474e-aa53-1ab1d87a0745/audio/2c45b96f-4e36-44ee-9326-9ffe563175db/default_tc.mp3?aid=rss_feed&amp;feed=Qtxr8H0X"/>
      <itunes:title>47. How to choose the bank that is best for you</itunes:title>
      <itunes:author>Blaize Pengilly, Dan Jovevski</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/96aa04fd-88ef-44bb-9587-00609699c802/3000x3000/podcast-art-episode-9-1.jpg?aid=rss_feed"/>
      <itunes:duration>00:46:38</itunes:duration>
      <itunes:summary>The majority of Australians have been with the same bank for their entire financial lives (because who can be bothered to deal with the admin of opening and closing an account?!) Dan &amp; Blaize look at all the things you should be assessed to determine if your current (or future!) bank account is right for you. PLUS: An exciting win under our belts.</itunes:summary>
      <itunes:subtitle>The majority of Australians have been with the same bank for their entire financial lives (because who can be bothered to deal with the admin of opening and closing an account?!) Dan &amp; Blaize look at all the things you should be assessed to determine if your current (or future!) bank account is right for you. PLUS: An exciting win under our belts.</itunes:subtitle>
      <itunes:keywords>cdr, rfugal, fi, fire, frugal, personal finance, bank accounts, ausfinance, debt free, savings, australian finance, millenial, checking, banking, bank, money, transactional, frugality, debt free community</itunes:keywords>
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      <title>46. How to avoid a holiday debt hangover. Let&apos;s get prepped for Christmas.</title>
      <description><![CDATA[<p>Sources:</p><p><a href="https://thewest.com.au/business/your-money/new-rba-figures-show-concerning-rise-in-level-of-credit-card-debt-ng-b881790940z" target="_blank">RBA Christmas spend data.</a></p><p>If you are impacted by the Lockdown and seeking financial support, <a href="https://www.wemoney.com.au/blog/what-financial-support-can-i-get-during-lockdown" target="_blank">take a look at this list.</a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 10 Oct 2021 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Dan Jovevski, Blaize Pengilly)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/46-how-to-avoid-a-holiday-debt-hangover-lets-get-prepped-for-christmas-lZpu6S79</link>
      <content:encoded><![CDATA[<p>Sources:</p><p><a href="https://thewest.com.au/business/your-money/new-rba-figures-show-concerning-rise-in-level-of-credit-card-debt-ng-b881790940z" target="_blank">RBA Christmas spend data.</a></p><p>If you are impacted by the Lockdown and seeking financial support, <a href="https://www.wemoney.com.au/blog/what-financial-support-can-i-get-during-lockdown" target="_blank">take a look at this list.</a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
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      <itunes:title>46. How to avoid a holiday debt hangover. Let&apos;s get prepped for Christmas.</itunes:title>
      <itunes:author>Dan Jovevski, Blaize Pengilly</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/fda9d9a6-3d3c-4228-bb61-4faddca1a392/3000x3000/podcast-art-episode-9.jpg?aid=rss_feed"/>
      <itunes:duration>00:33:21</itunes:duration>
      <itunes:summary>With 10 weeks left until the silly season it&apos;s time to get prepared to avoid entering 2022 with a holiday debt hangover. Join Dan &amp; Blaize as they cover the latest news &amp; hot tips for prepare for Xmas.</itunes:summary>
      <itunes:subtitle>With 10 weeks left until the silly season it&apos;s time to get prepared to avoid entering 2022 with a holiday debt hangover. Join Dan &amp; Blaize as they cover the latest news &amp; hot tips for prepare for Xmas.</itunes:subtitle>
      <itunes:keywords>xmas, personal finance, holiday period, budget, silly season, holiday budget, christmas, smart money, money, holiday budgeting, wemoney, budgeting, tinsel, new years eve</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
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      <title>45. Changes to Superannuation that future you will want to celebrate</title>
      <description><![CDATA[<p>Sources :</p><p><a href="https://www.wgea.gov.au/pay-equity" target="_blank">Equal Pay</a></p><p><a href="https://www.ato.gov.au/Calculators-and-tools/YourSuper-comparison-tool/" target="_blank">YourSuper Comparison Tool</a></p><p><a href="https://australianfintech.com.au/a-third-of-australian-shoppers-prefer-buy-now-pay-later-option/">1/3 of Australian Shoppers prefer BNPL option.</a></p><p><a href="https://www.apra.gov.au/news-and-publications/apra-releases-inaugural-your-future-your-super-performance-test-results" target="_blank">APRA Media Release.</a><br /><br />If you are impacted by the Lockdown and seeking financial support, <a href="https://www.wemoney.com.au/blog/what-financial-support-can-i-get-during-lockdown" target="_blank">take a look at this list.</a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 5 Sep 2021 20:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Blaize Pengilly, Dan Jovevski)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/45-changes-to-superannuation-that-future-you-will-want-to-celebrate-ymg_LTWA</link>
      <content:encoded><![CDATA[<p>Sources :</p><p><a href="https://www.wgea.gov.au/pay-equity" target="_blank">Equal Pay</a></p><p><a href="https://www.ato.gov.au/Calculators-and-tools/YourSuper-comparison-tool/" target="_blank">YourSuper Comparison Tool</a></p><p><a href="https://australianfintech.com.au/a-third-of-australian-shoppers-prefer-buy-now-pay-later-option/">1/3 of Australian Shoppers prefer BNPL option.</a></p><p><a href="https://www.apra.gov.au/news-and-publications/apra-releases-inaugural-your-future-your-super-performance-test-results" target="_blank">APRA Media Release.</a><br /><br />If you are impacted by the Lockdown and seeking financial support, <a href="https://www.wemoney.com.au/blog/what-financial-support-can-i-get-during-lockdown" target="_blank">take a look at this list.</a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
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      <itunes:title>45. Changes to Superannuation that future you will want to celebrate</itunes:title>
      <itunes:author>Blaize Pengilly, Dan Jovevski</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/4f57bd0e-d312-4f82-905c-087ad708a0d0/3000x3000/podcast-art-episode-9-16.jpg?aid=rss_feed"/>
      <itunes:duration>00:26:55</itunes:duration>
      <itunes:summary>The federal government has made some big changes in the super space lately that you&apos;ll probably be very grateful come retirement. Dan &amp; Blaize run through all of the changes &amp; also share the &apos;naughty list&apos; of funds that didn&apos;t pass the new bench mark test set by APRA.</itunes:summary>
      <itunes:subtitle>The federal government has made some big changes in the super space lately that you&apos;ll probably be very grateful come retirement. Dan &amp; Blaize run through all of the changes &amp; also share the &apos;naughty list&apos; of funds that didn&apos;t pass the new bench mark test set by APRA.</itunes:subtitle>
      <itunes:keywords>fi, oz money, retirement, fire, frugal, superannuation, super, rba, thrifty, investing, retirement fund, oz finance, changes to super, retiring, debt free, australian finance, aus finance, apra, aus money, wemoney, debt free community</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
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      <itunes:episode>45</itunes:episode>
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      <title>44. So you want to start a Side Hustle?</title>
      <description><![CDATA[<p>Dan's Book Recommendation: <a href="https://www.amazon.com.au/Side-Hustle-Idea-Income-Days/dp/1524758841" target="_blank">Side Hustle - from Idea to Income in 27 days.</a></p><p>If you are impacted by the Lockdown and seeking financial support, <a href="https://www.wemoney.com.au/blog/what-financial-support-can-i-get-during-lockdown" target="_blank">take a look at this list.</a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 29 Aug 2021 20:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Dan Jovevski, Blaize Pengilly)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/44-how-to-start-a-side-hustle-mdODVpBz</link>
      <content:encoded><![CDATA[<p>Dan's Book Recommendation: <a href="https://www.amazon.com.au/Side-Hustle-Idea-Income-Days/dp/1524758841" target="_blank">Side Hustle - from Idea to Income in 27 days.</a></p><p>If you are impacted by the Lockdown and seeking financial support, <a href="https://www.wemoney.com.au/blog/what-financial-support-can-i-get-during-lockdown" target="_blank">take a look at this list.</a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
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      <itunes:title>44. So you want to start a Side Hustle?</itunes:title>
      <itunes:author>Dan Jovevski, Blaize Pengilly</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/c3d2d065-9fe0-41b4-ac80-b1a2642da7dc/3000x3000/podcast-art-episode-9-15.jpg?aid=rss_feed"/>
      <itunes:duration>00:36:14</itunes:duration>
      <itunes:summary>Roll your sleeves up and flex your side hustle muscle. Get inspired to start your own side hustle and add an extra stream of income to your finances.</itunes:summary>
      <itunes:subtitle>Roll your sleeves up and flex your side hustle muscle. Get inspired to start your own side hustle and add an extra stream of income to your finances.</itunes:subtitle>
      <itunes:keywords>frugal, personal finance, hustle muscle, passive income, make money, thrifty, ausfinance, debt free, australian finance, active income, income streams, side hustle, personal finances, a, frugal living, making money, bonus money, extra income</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
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      <itunes:episode>44</itunes:episode>
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      <title>43. From homeless single mum to award winning CEO (Plus: How to Survive on Centrelink) with Kylie Travers</title>
      <description><![CDATA[<p>Content Warning: This episode contains mentions of domestic violence & abuse that may be disturbing to some listeners.</p><p>Lifeline Australia 13 11 14 (Free 24 hour crisis support.)</p><p>Vist<a href="https://kylietravers.com.au/" target="_blank"> Kylie Travers</a> or <a href="https://www.thethriftyissue.com.au/how-to-survive-on-centrelink/" target="_blank">The Thrifty Issue</a> to learn more about our guest.</p><p>If you are impacted by the Lockdown and seeking financial support, <a href="https://www.wemoney.com.au/blog/what-financial-support-can-i-get-during-lockdown" target="_blank">take a look at this list.</a></p><p>Check out <a href="https://bitcoinorshit.com/">bitcoinorshit.com</a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 22 Aug 2021 20:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Kylie Travers, Blaize Pengilly, Dan Jovevski)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/43-how-to-survive-on-centrelink-L8L2lLoE</link>
      <content:encoded><![CDATA[<p>Content Warning: This episode contains mentions of domestic violence & abuse that may be disturbing to some listeners.</p><p>Lifeline Australia 13 11 14 (Free 24 hour crisis support.)</p><p>Vist<a href="https://kylietravers.com.au/" target="_blank"> Kylie Travers</a> or <a href="https://www.thethriftyissue.com.au/how-to-survive-on-centrelink/" target="_blank">The Thrifty Issue</a> to learn more about our guest.</p><p>If you are impacted by the Lockdown and seeking financial support, <a href="https://www.wemoney.com.au/blog/what-financial-support-can-i-get-during-lockdown" target="_blank">take a look at this list.</a></p><p>Check out <a href="https://bitcoinorshit.com/">bitcoinorshit.com</a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
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      <itunes:title>43. From homeless single mum to award winning CEO (Plus: How to Survive on Centrelink) with Kylie Travers</itunes:title>
      <itunes:author>Kylie Travers, Blaize Pengilly, Dan Jovevski</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/5d88135d-e5b1-4286-9fc6-c3bc50a177c5/3000x3000/podcast-art-episode-9-14.jpg?aid=rss_feed"/>
      <itunes:duration>00:34:57</itunes:duration>
      <itunes:summary>Kylie Travers tell us her remarkable story of hope - from homelessness to award winning CEO (with 3 investment properties in Vanuatu!) Kylie also shares her tips on surviving on Centrelink (or a low income) and how you can bring in extra cash with some creative side hustles and she even covers off how to handle debt collectors.</itunes:summary>
      <itunes:subtitle>Kylie Travers tell us her remarkable story of hope - from homelessness to award winning CEO (with 3 investment properties in Vanuatu!) Kylie also shares her tips on surviving on Centrelink (or a low income) and how you can bring in extra cash with some creative side hustles and she even covers off how to handle debt collectors.</itunes:subtitle>
      <itunes:keywords>fi, fire, frugal, personal finance, homeless, ausfinance, debt free, australian finance, homelessness, centrelink, kylie travers, money, dfc, mygov, low income, success story, ausmoney, ceo, the thrifty issue, debt free community</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
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      <title>42. What&apos;s your money personality type?</title>
      <description><![CDATA[<p>For free and confidential support 24/7, call the <a href="https://www.gamblinghelponline.org.au/"><i><strong>Gambling Helpline</strong></i> </a>on 1800 858 858.If you are impacted by the Lockdown and seeking financial support, <a href="https://www.wemoney.com.au/blog/what-financial-support-can-i-get-during-lockdown" target="_blank">take a look at this list.</a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 15 Aug 2021 20:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Dan Jovevski, Blaize Pengilly)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/42-whats-your-money-personality-type-PLz1ploF</link>
      <content:encoded><![CDATA[<p>For free and confidential support 24/7, call the <a href="https://www.gamblinghelponline.org.au/"><i><strong>Gambling Helpline</strong></i> </a>on 1800 858 858.If you are impacted by the Lockdown and seeking financial support, <a href="https://www.wemoney.com.au/blog/what-financial-support-can-i-get-during-lockdown" target="_blank">take a look at this list.</a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
      <enclosure length="37045256" type="audio/mpeg" url="https://cdn.simplecast.com/audio/1b2244d3-17aa-4a60-bc2a-e31609dc4426/episodes/973d92db-7af1-4cb7-a4ba-5977dc8995dd/audio/facbd94c-a329-43c5-a07e-3a6b0a63138f/default_tc.mp3?aid=rss_feed&amp;feed=Qtxr8H0X"/>
      <itunes:title>42. What&apos;s your money personality type?</itunes:title>
      <itunes:author>Dan Jovevski, Blaize Pengilly</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/0048f7bb-31d3-4878-ab34-521db9dcb882/3000x3000/podcast-art-episode-9-13.jpg?aid=rss_feed"/>
      <itunes:duration>00:38:35</itunes:duration>
      <itunes:summary>Learn about the 7 Financial Personality types &amp; identify yours to better understand why you make certain decisions around money.</itunes:summary>
      <itunes:subtitle>Learn about the 7 Financial Personality types &amp; identify yours to better understand why you make certain decisions around money.</itunes:subtitle>
      <itunes:keywords>fi, fire, frugal, personal finance, personality type, debt free, financial freedom, money, dfc, wemoney, ausmoney, debt free community, ozmoney, financial indepdence</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
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      <itunes:episode>42</itunes:episode>
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      <title>41. Six ways to use your tax refund completely guilt-free.</title>
      <description><![CDATA[<p>Calculate your own income tax with the Money Smart<a href="https://moneysmart.gov.au/budgeting/compound-interest-calculator" target="_blank"> compound interest calculator.</a></p><p>If you are impacted by the Lockdown and seeking financial support, <a href="https://www.wemoney.com.au/blog/what-financial-support-can-i-get-during-lockdown" target="_blank">take a look at this list.</a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 8 Aug 2021 20:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Blaize Pengilly, Dan Jovevski)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/6-ways-to-use-your-tax-refund-completely-guilt-free-MP7SpMyd</link>
      <content:encoded><![CDATA[<p>Calculate your own income tax with the Money Smart<a href="https://moneysmart.gov.au/budgeting/compound-interest-calculator" target="_blank"> compound interest calculator.</a></p><p>If you are impacted by the Lockdown and seeking financial support, <a href="https://www.wemoney.com.au/blog/what-financial-support-can-i-get-during-lockdown" target="_blank">take a look at this list.</a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
      <enclosure length="33415281" type="audio/mpeg" url="https://cdn.simplecast.com/audio/1b2244d3-17aa-4a60-bc2a-e31609dc4426/episodes/5c883632-f2fd-454f-8b51-e01cb6906b35/audio/09818cab-f5df-4b50-a934-32fc3ebbf063/default_tc.mp3?aid=rss_feed&amp;feed=Qtxr8H0X"/>
      <itunes:title>41. Six ways to use your tax refund completely guilt-free.</itunes:title>
      <itunes:author>Blaize Pengilly, Dan Jovevski</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/beddf1c8-5b8d-48e4-a5cf-0dcadb88aec1/3000x3000/podcast-art-episode-9-12.jpg?aid=rss_feed"/>
      <itunes:duration>00:34:48</itunes:duration>
      <itunes:summary> The ATO is expecting to provide a tax refund to 80% of Australians this year so Dan &amp; Blaize put their heads together to bring you 6 suggestions of ways you can use your tax refund completely guilt-free.</itunes:summary>
      <itunes:subtitle> The ATO is expecting to provide a tax refund to 80% of Australians this year so Dan &amp; Blaize put their heads together to bring you 6 suggestions of ways you can use your tax refund completely guilt-free.</itunes:subtitle>
      <itunes:keywords>fi, fire, budgeting tips, ausfinance, financial indepence, debt free, refund, money tips, tax, retire early, lump sum, consumerdebt, tax back, money hacks, dfc, personalfinance, wemoney, tax return, aussietax, australian taxation office, ato, tax refund, debt free community</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
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      <title>40. What&apos;s all the fuss about Open Banking?</title>
      <description><![CDATA[<p>If you are impacted by the Lockdown and seeking financial support, <a href="https://www.wemoney.com.au/blog/what-financial-support-can-i-get-during-lockdown" target="_blank">take a look at this list.</a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.<br /><br /><strong>Sources</strong></p><p><a href="https://www.ausbanking.org.au/priorities/open-banking/">Ausbanking</a></p><p><a href="https://www.accc.gov.au/focus-areas/consumer-data-right-cdr-0">ACC</a></p><p><a href="https://treasury.gov.au/review/review-into-open-banking-in-australia">Treasury</a></p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 1 Aug 2021 20:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Dan Jovevski, Blaize Pengilly)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/whats-all-the-fuss-about-open-banking-o3aCDiSA</link>
      <content:encoded><![CDATA[<p>If you are impacted by the Lockdown and seeking financial support, <a href="https://www.wemoney.com.au/blog/what-financial-support-can-i-get-during-lockdown" target="_blank">take a look at this list.</a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.<br /><br /><strong>Sources</strong></p><p><a href="https://www.ausbanking.org.au/priorities/open-banking/">Ausbanking</a></p><p><a href="https://www.accc.gov.au/focus-areas/consumer-data-right-cdr-0">ACC</a></p><p><a href="https://treasury.gov.au/review/review-into-open-banking-in-australia">Treasury</a></p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
      <enclosure length="34659427" type="audio/mpeg" url="https://cdn.simplecast.com/audio/1b2244d3-17aa-4a60-bc2a-e31609dc4426/episodes/9960d06f-1ce6-4358-acd9-29dd89ee4b2f/audio/c675c766-064b-49ed-b512-83f852dd47b2/default_tc.mp3?aid=rss_feed&amp;feed=Qtxr8H0X"/>
      <itunes:title>40. What&apos;s all the fuss about Open Banking?</itunes:title>
      <itunes:author>Dan Jovevski, Blaize Pengilly</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/b653d52e-f343-4fbd-a16c-c76f74119be9/3000x3000/podcast-art-episode-9-10.jpg?aid=rss_feed"/>
      <itunes:duration>00:36:06</itunes:duration>
      <itunes:summary>&quot;Open Banking&quot; has been discussed a lot in the media lately, but what exactly is it? When will it roll out and how will it impact you? Get all the details from Dan as Blaize hits him with all the Q&apos;s related to the Consumer Data Right. </itunes:summary>
      <itunes:subtitle>&quot;Open Banking&quot; has been discussed a lot in the media lately, but what exactly is it? When will it roll out and how will it impact you? Get all the details from Dan as Blaize hits him with all the Q&apos;s related to the Consumer Data Right. </itunes:subtitle>
      <itunes:keywords>cdr, fi, oz money, fire, personal finance, data, s, oz finance, ausfinance, australian government, debt free, open banking, acc, ausfintech, aus gov, fintech, banking, startup, money, dfc, wemoney, consumer data right, ausmoney, debt free community</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
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      <title>39. From a website to a $6 Billion dollar business...</title>
      <description><![CDATA[<p><a href="https://www.linkedin.com/in/marie-mortimer-55936a35/" target="_blank">Marie Mortimer</a> hails from <a href="https://www.loans.com.au/" target="_blank">loans.com.au.</a> You can learn more about her <a href="http://mariemortimer.com.au/" target="_blank">here.</a></p><p><strong>Marie's Book Recommendations</strong></p><p><a href="https://www.booktopia.com.au/the-confidence-code-katty-kay/book/9780062414625.html?gclid=Cj0KCQjw0emHBhC1ARIsAL1QGNeUGAK41mfdcByqmjgV5HBlRQ2cNtEUSlx26fwZ9wShcAW4GlqrmJ8aAhVrEALw_wcB" target="_blank">The Confidence Code:</a> The Science and Art of Self-Assurance---What Women Should Know</p><p><a href="https://www.booktopia.com.au/grit-angela-duckworth/book/9781785040207.html?source=pla&gclid=Cj0KCQjw0emHBhC1ARIsAL1QGNdbGyh2zMXF_QZ8FbfVQ4t9TX5LiTO3a5y9x4HL-FhCHM3zvjlCXAIaAtAqEALw_wcB" target="_blank">Grit</a> The Power of Passion and Perseverance</p><p><a href="https://www.booktopia.com.au/wolfpack-young-readers-edition-abby-wambach/book/9781250766861.html">Wolfpack</a> </p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 25 Jul 2021 20:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Blaize Pengilly, Marie Mortimer, Dan Jovevski)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/39-from-a-website-to-a-6-billion-dollar-business-Sj4VVEIq</link>
      <content:encoded><![CDATA[<p><a href="https://www.linkedin.com/in/marie-mortimer-55936a35/" target="_blank">Marie Mortimer</a> hails from <a href="https://www.loans.com.au/" target="_blank">loans.com.au.</a> You can learn more about her <a href="http://mariemortimer.com.au/" target="_blank">here.</a></p><p><strong>Marie's Book Recommendations</strong></p><p><a href="https://www.booktopia.com.au/the-confidence-code-katty-kay/book/9780062414625.html?gclid=Cj0KCQjw0emHBhC1ARIsAL1QGNeUGAK41mfdcByqmjgV5HBlRQ2cNtEUSlx26fwZ9wShcAW4GlqrmJ8aAhVrEALw_wcB" target="_blank">The Confidence Code:</a> The Science and Art of Self-Assurance---What Women Should Know</p><p><a href="https://www.booktopia.com.au/grit-angela-duckworth/book/9781785040207.html?source=pla&gclid=Cj0KCQjw0emHBhC1ARIsAL1QGNdbGyh2zMXF_QZ8FbfVQ4t9TX5LiTO3a5y9x4HL-FhCHM3zvjlCXAIaAtAqEALw_wcB" target="_blank">Grit</a> The Power of Passion and Perseverance</p><p><a href="https://www.booktopia.com.au/wolfpack-young-readers-edition-abby-wambach/book/9781250766861.html">Wolfpack</a> </p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
      <enclosure length="35409694" type="audio/mpeg" url="https://cdn.simplecast.com/audio/1b2244d3-17aa-4a60-bc2a-e31609dc4426/episodes/59a817d4-fe95-4e6a-bf4a-0200f562549b/audio/ed3ddc16-b98c-4f7f-8252-b7011cefb9e6/default_tc.mp3?aid=rss_feed&amp;feed=Qtxr8H0X"/>
      <itunes:title>39. From a website to a $6 Billion dollar business...</itunes:title>
      <itunes:author>Blaize Pengilly, Marie Mortimer, Dan Jovevski</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/dce77ca9-4e2f-4b0f-a91b-37d7554bdbbe/3000x3000/podcast-art-episode-9-9.jpg?aid=rss_feed"/>
      <itunes:duration>00:36:53</itunes:duration>
      <itunes:summary>Managing Director of loans.com.au, Marie Mortimer shares her incredible story of how she turned a website into a $6 Billion dollar business. Marie brings inspiration, shares her insights on open banking, green loans and females in Fintech.</itunes:summary>
      <itunes:subtitle>Managing Director of loans.com.au, Marie Mortimer shares her incredible story of how she turned a website into a $6 Billion dollar business. Marie brings inspiration, shares her insights on open banking, green loans and females in Fintech.</itunes:subtitle>
      <itunes:keywords>finance, fi, mortgage, fire, personal finance, home loan, loans, credit, challenges, oz finance, debt free, loans.com.au, first mac, open banking, aus finance, sustainability, fintech, lessons, growth, loan, startup, wemoney, women in finance, green finance, australian fintech</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
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      <title>38. Are credit cards evil? (and everything else you need to know about that shiny piece of plastic)</title>
      <description><![CDATA[<p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 18 Jul 2021 20:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (WeMoney, Dan Jovevski, Blaize Pengilly)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/38-are-credit-cards-evil-and-everything-else-you-need-to-know-about-that-shiny-piece-of-plastic-dU97iQAi</link>
      <content:encoded><![CDATA[<p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
      <enclosure length="42126443" type="audio/mpeg" url="https://cdn.simplecast.com/audio/1b2244d3-17aa-4a60-bc2a-e31609dc4426/episodes/fb622b27-afff-4975-81cb-428727021f1c/audio/9aba7130-615a-4a58-a5cd-dfcde656a415/default_tc.mp3?aid=rss_feed&amp;feed=Qtxr8H0X"/>
      <itunes:title>38. Are credit cards evil? (and everything else you need to know about that shiny piece of plastic)</itunes:title>
      <itunes:author>WeMoney, Dan Jovevski, Blaize Pengilly</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/9642c2fe-a7b1-4ac3-8b4a-0da37791bdd5/3000x3000/podcast-art-episode-9-8.jpg?aid=rss_feed"/>
      <itunes:duration>00:43:53</itunes:duration>
      <itunes:summary>Want to know how credit cards work? Are the rewards programs worth it?  How easy it is to fall into debt? Want to know what to look out for and  how to choose the right one? Learn something new about credit cards with Dan &amp; Blaize.</itunes:summary>
      <itunes:subtitle>Want to know how credit cards work? Are the rewards programs worth it?  How easy it is to fall into debt? Want to know what to look out for and  how to choose the right one? Learn something new about credit cards with Dan &amp; Blaize.</itunes:subtitle>
      <itunes:keywords>fi, oz money, fire, personal finance, cc, ausfinance, debt free, retire early, financial independence, smart money, money, money hacks, dfc, wemoney, debt, credit card, debt free community, cash</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
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      <itunes:episode>38</itunes:episode>
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      <title>37. Budgeting Brain Hacks to start the New Financial Year strong</title>
      <description><![CDATA[<p><a href="https://matthern.com.au/" target="_blank">Matt Hern</a> is a Money coach from  the <a href="https://moneyforlife.link/" target="_blank">Money for Life Podcast. </a>You can find Matt on Facebook, <a href="https://www.instagram.com/matthern_moneyguide/" target="_blank">Instagram</a> and <a href="http://www.linkedin.com/in/matthern">Linked In.</a></p><p><strong>Definitions</strong></p><p>FIFO: Fly In Fly out worker.</p><p><strong>Correction: </strong>The improving by 1% each day quote that Blaize mentioned can be found <a href="https://jamesclear.com/continuous-improvement#:~:text=If%20you%20get%20one%20percent,the%20time%20you%27re%20done." target="_blank">here </a>with the correct details.</p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p><br />If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 4 Jul 2021 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Dan Jovevski, Matt Hern, Blaize Pengilly)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/37-budgeting-brain-hacks-to-start-the-new-financial-year-strong-3c0mQi6J</link>
      <content:encoded><![CDATA[<p><a href="https://matthern.com.au/" target="_blank">Matt Hern</a> is a Money coach from  the <a href="https://moneyforlife.link/" target="_blank">Money for Life Podcast. </a>You can find Matt on Facebook, <a href="https://www.instagram.com/matthern_moneyguide/" target="_blank">Instagram</a> and <a href="http://www.linkedin.com/in/matthern">Linked In.</a></p><p><strong>Definitions</strong></p><p>FIFO: Fly In Fly out worker.</p><p><strong>Correction: </strong>The improving by 1% each day quote that Blaize mentioned can be found <a href="https://jamesclear.com/continuous-improvement#:~:text=If%20you%20get%20one%20percent,the%20time%20you%27re%20done." target="_blank">here </a>with the correct details.</p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p><br />If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
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      <itunes:title>37. Budgeting Brain Hacks to start the New Financial Year strong</itunes:title>
      <itunes:author>Dan Jovevski, Matt Hern, Blaize Pengilly</itunes:author>
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      <itunes:duration>00:38:55</itunes:duration>
      <itunes:summary>New financial year, new me! Money coach, Matt Hern joins us to share a bunch of budgeting brain hacks that you can put in place to get ahead at the start of this brand spanking new financial year. Consider this a refresher course on all things money. Tune in, learn &amp; then put your steps into action.</itunes:summary>
      <itunes:subtitle>New financial year, new me! Money coach, Matt Hern joins us to share a bunch of budgeting brain hacks that you can put in place to get ahead at the start of this brand spanking new financial year. Consider this a refresher course on all things money. Tune in, learn &amp; then put your steps into action.</itunes:subtitle>
      <itunes:keywords>fire, personal finance, budget, brain hacks, debt free, money for life, budget better, money tips, aus finance, financial freedom, financial independence, money, money hacks, dfc, budgeting, debt free community, good habits</itunes:keywords>
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      <title>36. BONUS EP: The We Talk Cents EOFY Tax Party! (Get all of your tax questions answered.)</title>
      <description><![CDATA[<p><a href="https://www.linkedin.com/in/tanya-christie-tax-manager/" target="_blank">Tanya Christie</a> is the Tax Queen over at <a href="https://www.fullstack.com.au/" target="_blank">Fullstack Advisory.</a></p><p>Tanya is not a financial advisor, all information she shares is general in nature and should not be constituted as financial advice.</p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p><br />If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Tue, 29 Jun 2021 20:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Blaize Pengilly, Tanya Christie, Dan Jovevksi)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/36-bonus-ep-the-we-talk-cents-eofy-tax-party-get-all-of-your-tax-questions-answered-oPzqjczM</link>
      <content:encoded><![CDATA[<p><a href="https://www.linkedin.com/in/tanya-christie-tax-manager/" target="_blank">Tanya Christie</a> is the Tax Queen over at <a href="https://www.fullstack.com.au/" target="_blank">Fullstack Advisory.</a></p><p>Tanya is not a financial advisor, all information she shares is general in nature and should not be constituted as financial advice.</p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p><br />If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
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      <itunes:title>36. BONUS EP: The We Talk Cents EOFY Tax Party! (Get all of your tax questions answered.)</itunes:title>
      <itunes:author>Blaize Pengilly, Tanya Christie, Dan Jovevksi</itunes:author>
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      <itunes:duration>00:39:22</itunes:duration>
      <itunes:summary>Welcome to the first ever annual We Talk Cents EOFY Tax party. Tanya Christie, the &apos;Tax Queen &apos;from Fullstack Advisory answers all of your tax related questions. #AskTanya</itunes:summary>
      <itunes:subtitle>Welcome to the first ever annual We Talk Cents EOFY Tax party. Tanya Christie, the &apos;Tax Queen &apos;from Fullstack Advisory answers all of your tax related questions. #AskTanya</itunes:subtitle>
      <itunes:keywords>end of financial year, fi, fire, debtfree, tax tips, ausfinance, tax, financial year, financial independence, oz tax, dfc, cgt, wemoney, tax time, eofy, australian taxation office, australia, ato, capital gains tax, ausmoney, debt free community</itunes:keywords>
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      <title>35. You are formally invited to a EOFY Tax party...</title>
      <description><![CDATA[<p>Have you got a question you'd like to ask Tanya Christie , the Tax Queen?<br />Submit your tax questions via our <a href="https://www.instagram.com/getwemoney/">instagram</a>, or <a href="mailto:blaize@we.money" target="_blank">email</a>. Please note that all information shared will be general in nature and will not constitute as financial advice.</p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p><br />If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 27 Jun 2021 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Blaize Pengilly, Dan Jovevksi)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/you-are-formally-invited-to-a-eofy-tax-party-fJA5ZEma</link>
      <content:encoded><![CDATA[<p>Have you got a question you'd like to ask Tanya Christie , the Tax Queen?<br />Submit your tax questions via our <a href="https://www.instagram.com/getwemoney/">instagram</a>, or <a href="mailto:blaize@we.money" target="_blank">email</a>. Please note that all information shared will be general in nature and will not constitute as financial advice.</p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p><br />If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
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      <itunes:title>35. You are formally invited to a EOFY Tax party...</itunes:title>
      <itunes:author>Blaize Pengilly, Dan Jovevksi</itunes:author>
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      <itunes:duration>00:17:05</itunes:duration>
      <itunes:summary>This is your formal invitation to the We Talk Cent EOFY Tax Special, in your airwaves on Wednesday 30th June 2021. Have you got any burning tax Questions? Now&apos;s the time to ask them! Dan &amp; Blaize also reflect what they&apos;ve learned in the last financial year.</itunes:summary>
      <itunes:subtitle>This is your formal invitation to the We Talk Cent EOFY Tax Special, in your airwaves on Wednesday 30th June 2021. Have you got any burning tax Questions? Now&apos;s the time to ask them! Dan &amp; Blaize also reflect what they&apos;ve learned in the last financial year.</itunes:subtitle>
      <itunes:keywords>finance, end of financial year, fi, fire, tax facts, ausfinance, tax, financial freedom, financial year, dfc, wemoney, tax time, australian tax, eofy, ato, eofys, ausmoney</itunes:keywords>
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      <title>34. Why wait until the end of your life to enjoy retirement? Learn how you can achieve mini retirements with Lacey Filipich</title>
      <description><![CDATA[<p>Content warning. There is a brief mention of suicide in this episode at approximately 22:01. </p><p>If this episode brought up any issues for you, you can contact <a href="https://www.lifeline.org.au/" target="_blank">Lifeline Australia</a> on 13 11 14.</p><p>Lacey Filipich can be found at <a href="https://moneyschool.org.au/" target="_blank">Web</a>  |  <a href="https://www.facebook.com/moneyschoolaustralia/" target="_blank">Facebook</a>  |  <a href="https://www.linkedin.com/company/moneyschool" target="_blank">LinkedIn</a>  |  <a href="https://twitter.com/moneyschoolorg" target="_blank">Twitter</a>  |  <a href="http://youtube.com/c/moneyschool" target="_blank">YouTube</a>  | <a href="https://www.instagram.com/moneyschoolorg/" target="_blank">Instagram</a>.</p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!<br />If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 20 Jun 2021 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Dan Jovevski, Lacey Filipich, Blaize Pengilly)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/34-why-wait-until-the-end-of-your-life-to-enjoy-retirement-learn-how-you-can-achieve-mini-retirements-with-lacey-filipich-lhpDn_SF</link>
      <content:encoded><![CDATA[<p>Content warning. There is a brief mention of suicide in this episode at approximately 22:01. </p><p>If this episode brought up any issues for you, you can contact <a href="https://www.lifeline.org.au/" target="_blank">Lifeline Australia</a> on 13 11 14.</p><p>Lacey Filipich can be found at <a href="https://moneyschool.org.au/" target="_blank">Web</a>  |  <a href="https://www.facebook.com/moneyschoolaustralia/" target="_blank">Facebook</a>  |  <a href="https://www.linkedin.com/company/moneyschool" target="_blank">LinkedIn</a>  |  <a href="https://twitter.com/moneyschoolorg" target="_blank">Twitter</a>  |  <a href="http://youtube.com/c/moneyschool" target="_blank">YouTube</a>  | <a href="https://www.instagram.com/moneyschoolorg/" target="_blank">Instagram</a>.</p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!<br />If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
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      <itunes:title>34. Why wait until the end of your life to enjoy retirement? Learn how you can achieve mini retirements with Lacey Filipich</itunes:title>
      <itunes:author>Dan Jovevski, Lacey Filipich, Blaize Pengilly</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/f9da0235-d19a-49cb-9aa4-443d2d76db8f/3000x3000/podcast-art-episode-9-3.jpg?aid=rss_feed"/>
      <itunes:duration>00:46:16</itunes:duration>
      <itunes:summary>TedX Speaker, Lacey Filipich drops by to break down the stereotype of retirement. Why wait until your 65 when you can start enjoy &apos;mini retirements&apos; now? Get inspired to reach Financial Independence with Lacey &amp; We Talk Cents as your own personal cheerleaders.</itunes:summary>
      <itunes:subtitle>TedX Speaker, Lacey Filipich drops by to break down the stereotype of retirement. Why wait until your 65 when you can start enjoy &apos;mini retirements&apos; now? Get inspired to reach Financial Independence with Lacey &amp; We Talk Cents as your own personal cheerleaders.</itunes:subtitle>
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      <title>33. Financial Hardship - What it&apos;s like living with debt you can&apos;t repay</title>
      <description><![CDATA[<p>Evegnia Bourova is a Research Fellow at the University of Melbourne, Melbourne Law School. This research comes from the <a href="https://law.unimelb.edu.au/centres/ccl/research/major-research-projects/financial-hardship-project" target="_blank">Financial Hardship Project. </a></p><p>Read the full<a href="https://theconversation.com/what-1-100-australians-told-us-about-the-experience-of-living-with-debt-they-cant-repay-105296"> article</a> on the conversation.</p><p>*CORRECTION: Blaize mentions that the research was conducted in 2019. This is incorrect, the surey was carried out in 2015 and published late 2018.</p><p>If you are struggling with debt check out the following:</p><ul><li><a href="https://ndh.org.au/" target="_blank">National Debt Helpline</a>: they offer financial counselling services and also have a COVID19 financial survival guide with information on accessing emergency financial assistance and government assistance, and making repayment arrangements with utility companies and others. </li><li><a href="https://financialrights.org.au/" target="_blank">Financial Rights Legal Centre</a>: they are a community legal centre specialising in financial services.</li><li><a href="https://www.wire.org.au/" target="_blank">WIRE Women's Information</a>: they are a generalist information, support and referral service for women, non-binary and gender-diverse people. They specialise across areas such as financial guidance and referrals for people dealing with family violence, including financial abuse. </li></ul><p>Sources:</p><p><a href="https://anglicare-ras.com/" target="_blank">Anglicare rental affordability snapshot.</a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!<br />If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 13 Jun 2021 20:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Dan Jovevski, Evgenia Bourova, Blaize Pengilly, Melbourne Law School)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/33-financial-hardship-what-its-like-living-with-debt-you-cant-repay-tawaIs7b</link>
      <content:encoded><![CDATA[<p>Evegnia Bourova is a Research Fellow at the University of Melbourne, Melbourne Law School. This research comes from the <a href="https://law.unimelb.edu.au/centres/ccl/research/major-research-projects/financial-hardship-project" target="_blank">Financial Hardship Project. </a></p><p>Read the full<a href="https://theconversation.com/what-1-100-australians-told-us-about-the-experience-of-living-with-debt-they-cant-repay-105296"> article</a> on the conversation.</p><p>*CORRECTION: Blaize mentions that the research was conducted in 2019. This is incorrect, the surey was carried out in 2015 and published late 2018.</p><p>If you are struggling with debt check out the following:</p><ul><li><a href="https://ndh.org.au/" target="_blank">National Debt Helpline</a>: they offer financial counselling services and also have a COVID19 financial survival guide with information on accessing emergency financial assistance and government assistance, and making repayment arrangements with utility companies and others. </li><li><a href="https://financialrights.org.au/" target="_blank">Financial Rights Legal Centre</a>: they are a community legal centre specialising in financial services.</li><li><a href="https://www.wire.org.au/" target="_blank">WIRE Women's Information</a>: they are a generalist information, support and referral service for women, non-binary and gender-diverse people. They specialise across areas such as financial guidance and referrals for people dealing with family violence, including financial abuse. </li></ul><p>Sources:</p><p><a href="https://anglicare-ras.com/" target="_blank">Anglicare rental affordability snapshot.</a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!<br />If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
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      <itunes:title>33. Financial Hardship - What it&apos;s like living with debt you can&apos;t repay</itunes:title>
      <itunes:author>Dan Jovevski, Evgenia Bourova, Blaize Pengilly, Melbourne Law School</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/cc655fe6-bb75-45a4-ab7e-779f42f74e49/3000x3000/podcast-art-episode-9-2.jpg?aid=rss_feed"/>
      <itunes:duration>00:40:01</itunes:duration>
      <itunes:summary>How do we define Financial Hardship? How prevalent is it in Australian society? What are the common &apos;triggers&apos; that can lead people into a place of Financial Hardship? Evgenia Bourova from Melbourne Law School shares her research on living with debt you can&apos;t repay.</itunes:summary>
      <itunes:subtitle>How do we define Financial Hardship? How prevalent is it in Australian society? What are the common &apos;triggers&apos; that can lead people into a place of Financial Hardship? Evgenia Bourova from Melbourne Law School shares her research on living with debt you can&apos;t repay.</itunes:subtitle>
      <itunes:keywords>finance, financial hardship, debt free, melbourne law school, aus finance, australian economics, frugal living, university of melbourne, dfc, wemoney, debt, ausmoney, debt free community</itunes:keywords>
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      <title>32. The A-Z of the home loan approval process (and what it takes to get approved)</title>
      <description><![CDATA[<p>Laura Osti is the Head of Marketing at <a href="https://www.tictoc.com.au/" target="_blank">Tic:Toc home loans.</a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!<br />If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 6 Jun 2021 20:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Dan Jovevski, Laura Osti, Blaize Pengilly)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/the-a-z-of-the-home-loan-approval-process-and-what-it-takes-to-get-approved-yjphuO08</link>
      <content:encoded><![CDATA[<p>Laura Osti is the Head of Marketing at <a href="https://www.tictoc.com.au/" target="_blank">Tic:Toc home loans.</a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!<br />If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
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      <itunes:title>32. The A-Z of the home loan approval process (and what it takes to get approved)</itunes:title>
      <itunes:author>Dan Jovevski, Laura Osti, Blaize Pengilly</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/150bcea6-c43c-4021-8476-4ad813c087af/3000x3000/podcast-art-episode-8at2x.jpg?aid=rss_feed"/>
      <itunes:duration>00:37:52</itunes:duration>
      <itunes:summary>Thinking about buying a house? Before you apply for a loan - listen to this. Laura Osti from Tic:Toc home loans walks us through the home loan approval process. When to apply, what the banks check for and how to give yourself the best shot at getting approved.</itunes:summary>
      <itunes:subtitle>Thinking about buying a house? Before you apply for a loan - listen to this. Laura Osti from Tic:Toc home loans walks us through the home loan approval process. When to apply, what the banks check for and how to give yourself the best shot at getting approved.</itunes:subtitle>
      <itunes:keywords>lending, mortgage, pre approval, personal finance, home loan, tic:toc, investing, home buying, house buying, oz finance, ausfinance, debt free, credit provider, conditional loan, property ladder, furgal, tic toc, first home buyers, dfc, wemoney, property, debt free community</itunes:keywords>
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      <title>31. The Psychology Behind why we are so Obsessed with Buy Now Pay Later</title>
      <description><![CDATA[<p>Associate Professor<a href="https://staffportal.curtin.edu.au/staff/profile/view/billy-sung-0f95ce8b/"> Billy Sung</a> is involved with the <a href="https://www.linkedin.com/company/71667277">Consumer Research Lab</a> and the <a href="https://www.linkedin.com/company/people-culture-and-organizations-discipline/">School of Management and Marketing</a> at Curtin University.</p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p><br />If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p><p> </p>
]]></description>
      <pubDate>Sun, 30 May 2021 20:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Blaize Pengilly, Dan Jovevski, Billy Sung)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/the-psychology-behind-why-we-are-so-obsessed-with-buy-now-pay-later-8xrFIWER</link>
      <content:encoded><![CDATA[<p>Associate Professor<a href="https://staffportal.curtin.edu.au/staff/profile/view/billy-sung-0f95ce8b/"> Billy Sung</a> is involved with the <a href="https://www.linkedin.com/company/71667277">Consumer Research Lab</a> and the <a href="https://www.linkedin.com/company/people-culture-and-organizations-discipline/">School of Management and Marketing</a> at Curtin University.</p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p><br />If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p><p> </p>
]]></content:encoded>
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      <itunes:title>31. The Psychology Behind why we are so Obsessed with Buy Now Pay Later</itunes:title>
      <itunes:author>Blaize Pengilly, Dan Jovevski, Billy Sung</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/20da890a-3a4d-4f76-a539-3b96d204f25b/3000x3000/podcast-art-episode-8-3.jpg?aid=rss_feed"/>
      <itunes:duration>00:46:06</itunes:duration>
      <itunes:summary>Why on earth are we so obsessed with Buy Now Pay Later? Can this method of so-called pseudo credit be used for good, or is a slippery slope into debt? Associate Professor Billy Sung from Curtin University shares his research on the psychology behind BNPL.</itunes:summary>
      <itunes:subtitle>Why on earth are we so obsessed with Buy Now Pay Later? Can this method of so-called pseudo credit be used for good, or is a slippery slope into debt? Associate Professor Billy Sung from Curtin University shares his research on the psychology behind BNPL.</itunes:subtitle>
      <itunes:keywords>afterpay, klarna, personal finance, curtin university, behavioural psychology, shopping, shopping cart theory, consumer marketing, bnpl, zip, marketing, consumer psychology, buy now pay later</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
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      <title>30. The 7 Stages of Financial Freedom. Turning Dependence into Financial Abundance.</title>
      <description><![CDATA[<p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p><br />If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 23 May 2021 20:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Dan Jovevski, Blaize Pengilly, WeMoney)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/the-7-stages-of-financial-freedom-turning-dependence-into-financial-abundance-htcqNLUq</link>
      <content:encoded><![CDATA[<p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p><br />If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this money chat has inspired you to take care of your finances, then <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p><strong>Need Help?</strong><br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
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      <itunes:title>30. The 7 Stages of Financial Freedom. Turning Dependence into Financial Abundance.</itunes:title>
      <itunes:author>Dan Jovevski, Blaize Pengilly, WeMoney</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/9316952e-2829-4129-be30-44ea3f7e2538/3000x3000/podcast-art-episode-8-2.jpg?aid=rss_feed"/>
      <itunes:duration>00:39:34</itunes:duration>
      <itunes:summary>Ever wondered how to level up from being total financially dependent as a child, to having a sense of financial security or even abundance? Dan &amp; Blaize climb the 7 rungs on the ladder to Financial Freedom. What stage are you at?</itunes:summary>
      <itunes:subtitle>Ever wondered how to level up from being total financially dependent as a child, to having a sense of financial security or even abundance? Dan &amp; Blaize climb the 7 rungs on the ladder to Financial Freedom. What stage are you at?</itunes:subtitle>
      <itunes:keywords>money matters, fi, fire, personal finance, money news, 7 stages of financial freedom, aus finance, financial freedom, financial independence, dfc, wemoney, money talk, debt free community</itunes:keywords>
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      <title>29. Australian Federal Budget 2021 - What is it (and why you should care)</title>
      <description><![CDATA[<p>For everything budget related including the income tax calculator to discern how much of a tax cut you may possibly get, check out the <a href="https://budget.gov.au/" target="_blank">official site.</a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p><br />If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this budget talk has got you thinking about doing your own budget, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.<br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 16 May 2021 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Dan Jovevski, WeMoney, Blaize Pengilly)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/australian-federal-budget-2021-what-is-it-and-why-you-should-care-5IN5aFat</link>
      <content:encoded><![CDATA[<p>For everything budget related including the income tax calculator to discern how much of a tax cut you may possibly get, check out the <a href="https://budget.gov.au/" target="_blank">official site.</a></p><p>Have you got a question or an idea of a topic for us to cover? Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p><br />If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.</p><p><br />If all this budget talk has got you thinking about doing your own budget, <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.<br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
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      <itunes:title>29. Australian Federal Budget 2021 - What is it (and why you should care)</itunes:title>
      <itunes:author>Dan Jovevski, WeMoney, Blaize Pengilly</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/be0c02bc-efa4-4487-837d-24b6a68c374b/3000x3000/podcast-art-episode-18-1.jpg?aid=rss_feed"/>
      <itunes:duration>00:37:17</itunes:duration>
      <itunes:summary>Scratching your head trying to make sense of the 2021 Australian Federal Budget? Dan runs through Treasurer Josh Frydenberg&apos;s budget hand down and Blaize asks all the questions including; what&apos;s in it for me, who is getting money and where does all the money to spend come from? Join us for a deep dive on all things budget related.</itunes:summary>
      <itunes:subtitle>Scratching your head trying to make sense of the 2021 Australian Federal Budget? Dan runs through Treasurer Josh Frydenberg&apos;s budget hand down and Blaize asks all the questions including; what&apos;s in it for me, who is getting money and where does all the money to spend come from? Join us for a deep dive on all things budget related.</itunes:subtitle>
      <itunes:keywords>aus finances, budget, federal budget, josh frydenberg, australian econmoics, australian federal budget, aus money, money, 2021 budget</itunes:keywords>
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      <title>28. Mirror mirror on the wall, who is the best at saving on beauty products of them all? (fella’s, this includes you too!)</title>
      <description><![CDATA[<p>Follow <a href="https://www.instagram.com/moneywithmaddie/" target="_blank">@moneywithmaddie</a> for more beauty hacks & personal finance education.<br />If you are paying the loyalty tax and this episode spurs you into action to find a better deal, we would love to hear your success story. Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!<br />If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />For a 360 degree view of your finances get the WeMoney app. <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.<br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 9 May 2021 20:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Dan Jovevski, Blaize Pengilly, Money with Maddie)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/mirror-mirror-on-the-wall-who-is-the-best-at-saving-on-beauty-products-of-them-all-fellas-this-includes-you-too-ylH9WIDQ</link>
      <content:encoded><![CDATA[<p>Follow <a href="https://www.instagram.com/moneywithmaddie/" target="_blank">@moneywithmaddie</a> for more beauty hacks & personal finance education.<br />If you are paying the loyalty tax and this episode spurs you into action to find a better deal, we would love to hear your success story. Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!<br />If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to help other people just like you find us and get better with their finances.<br />For a 360 degree view of your finances get the WeMoney app. <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account</p><p><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.<br />If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
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      <itunes:title>28. Mirror mirror on the wall, who is the best at saving on beauty products of them all? (fella’s, this includes you too!)</itunes:title>
      <itunes:author>Dan Jovevski, Blaize Pengilly, Money with Maddie</itunes:author>
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      <itunes:duration>00:40:38</itunes:duration>
      <itunes:summary>The average Australian woman spends  $3700 every year on beauty products with men following closely behind with a yearly average of $2928. Instagram money afficianado @Moneywithmaddie joins us to talk beauty on a budget - how to save on everyday personal hygiene items so it doesn&apos;t put such a big dent in your bank account. Maybe she&apos;s born with it? Maybe she follows @moneywithmaddie&apos;s hacks to save big on beauty.</itunes:summary>
      <itunes:subtitle>The average Australian woman spends  $3700 every year on beauty products with men following closely behind with a yearly average of $2928. Instagram money afficianado @Moneywithmaddie joins us to talk beauty on a budget - how to save on everyday personal hygiene items so it doesn&apos;t put such a big dent in your bank account. Maybe she&apos;s born with it? Maybe she follows @moneywithmaddie&apos;s hacks to save big on beauty.</itunes:subtitle>
      <itunes:keywords>personal finance, personal hygeine, aus finance, frugal hacks, beauty hacks, cost cutting, frugal living, dfc, wemoney, saving money, debt free community, oz debt free</itunes:keywords>
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      <title>27. Yep, you&apos;re secretly overpaying for everything - Loyalty Tax exposed (and how to overcome it)</title>
      <description><![CDATA[<p>Tim Nicholas is the co-founder of <a href="https://www.getreminded.com/">Get Reminded.</a></p><p>If you are paying the loyalty tax and this episode spurs you into action to find a better deal, we would love to hear your success story. Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to  help other people just like you find us and get better with their finances.</p><p>For a 360 degree view of your finances get the WeMoney app. <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app.  It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><br /><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p>If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 2 May 2021 20:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Tim Nicholas, WeMoney, Dan Jovevski, Blaize Pengilly)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/yep-youre-secretly-overpaying-for-everything-loyalty-tax-exposed-and-how-to-overcome-it-VA4aOdvj</link>
      <content:encoded><![CDATA[<p>Tim Nicholas is the co-founder of <a href="https://www.getreminded.com/">Get Reminded.</a></p><p>If you are paying the loyalty tax and this episode spurs you into action to find a better deal, we would love to hear your success story. Get in touch via our instagram <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to  help other people just like you find us and get better with their finances.</p><p>For a 360 degree view of your finances get the WeMoney app. <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app.  It's free! </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><br /><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p>If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
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      <itunes:title>27. Yep, you&apos;re secretly overpaying for everything - Loyalty Tax exposed (and how to overcome it)</itunes:title>
      <itunes:author>Tim Nicholas, WeMoney, Dan Jovevski, Blaize Pengilly</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/939d7d90-efc8-4256-af0e-7b1c74859887/3000x3000/podcast-art-episode-16-1.jpg?aid=rss_feed"/>
      <itunes:duration>00:45:26</itunes:duration>
      <itunes:summary>We hate to break it to you, but you&apos;re probably overpaying for (almost) everything. Tim Nicholas from Get Reminded joins us to spill the beans on &apos;Loyalty tax&apos; or as he calls it, &apos;apathy tax.&apos; What it is, how companies are making profits from it and how to get that money back where it belongs, in your back pocket.</itunes:summary>
      <itunes:subtitle>We hate to break it to you, but you&apos;re probably overpaying for (almost) everything. Tim Nicholas from Get Reminded joins us to spill the beans on &apos;Loyalty tax&apos; or as he calls it, &apos;apathy tax.&apos; What it is, how companies are making profits from it and how to get that money back where it belongs, in your back pocket.</itunes:subtitle>
      <itunes:keywords>oz money, frugal, save money, personal finance, debt free, apathy tax, save on subscriptions, get wemoney, loyalty tax, frugal hacks, money, get reminded, wemoney, saving money, lazy tax, overpaying, frugal australia</itunes:keywords>
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      <title>26. 5 finance apps you can&apos;t live without</title>
      <description><![CDATA[<p>Ben Ford can be found on<a href="https://www.linkedin.com/in/ben-ford-142a027/" target="_blank"> LinkedIn </a>and <a href="https://www.instagram.com/super_fit_dad/" target="_blank">Instagram</a>.</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to  help other people just like you find us and get better with their finances.</p><p>For a 360 degree view of your finances get the Free WeMoney app. <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p>If you'd like to get in touch with Dan & Blaize about the show, send us a message via <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p><br /><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p>If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 25 Apr 2021 20:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Blaize Pengilly, Ben Ford, Dan Jovevski)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/5-finance-apps-you-cant-live-without-trl_hcCH</link>
      <content:encoded><![CDATA[<p>Ben Ford can be found on<a href="https://www.linkedin.com/in/ben-ford-142a027/" target="_blank"> LinkedIn </a>and <a href="https://www.instagram.com/super_fit_dad/" target="_blank">Instagram</a>.</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to  help other people just like you find us and get better with their finances.</p><p>For a 360 degree view of your finances get the Free WeMoney app. <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p>If you'd like to get in touch with Dan & Blaize about the show, send us a message via <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p><br /><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p>If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
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      <itunes:title>26. 5 finance apps you can&apos;t live without</itunes:title>
      <itunes:author>Blaize Pengilly, Ben Ford, Dan Jovevski</itunes:author>
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      <itunes:duration>00:45:39</itunes:duration>
      <itunes:summary>It&apos;s time to transform your finances. Ben Ford drops by to share 5 money hacks and 5 smartphone apps you can use to achieve them. Host Dan dusts off the crystal ball and makes a prediction about what Buy Now Pay Later will be like in 2026. </itunes:summary>
      <itunes:subtitle>It&apos;s time to transform your finances. Ben Ford drops by to share 5 money hacks and 5 smartphone apps you can use to achieve them. Host Dan dusts off the crystal ball and makes a prediction about what Buy Now Pay Later will be like in 2026. </itunes:subtitle>
      <itunes:keywords>money matters, money apps, frugal life, debt free, improve finances, fintech ford, fintech, personal finances, finance apps, frugal living, wemoney, ausmoney, oz debt free</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
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      <title>25. Crypto 101: Understanding cryptocurrency &amp; decentralised finance (Part 2 of 2)</title>
      <description><![CDATA[<p>This is part 2 of our 'Crypto 101: Understanding Cryptocurrency' series. </p><p>If you missed part 1, you can catch it <a href="https://wemoney-wetalkcents.simplecast.com/episodes/crypto-101-understanding-cryptocurrency-part-1-of-2" target="_blank">here.</a></p><p><a href="https://www.instagram.com/berosd/" target="_blank">David Beros </a>is the Chief Product Manager from <a href="https://www.digitalx.com/" target="_blank">Digital X.</a> Thanks David for joining us to share your knowledge.</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to  help other people just like you find us.</p><p>For a 360 degree view of your finances get the Free WeMoney app. <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p>If you'd like to get in touch with Dan & Blaize about the show, send us a message via <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p><br /><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p>If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 18 Apr 2021 20:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (David Beros, Dan Jovevski, Blaize Pengilly)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/crypto-101-understanding-cryptocurrency-decentralised-finance-part-2-of-2-4ldm5WLE</link>
      <content:encoded><![CDATA[<p>This is part 2 of our 'Crypto 101: Understanding Cryptocurrency' series. </p><p>If you missed part 1, you can catch it <a href="https://wemoney-wetalkcents.simplecast.com/episodes/crypto-101-understanding-cryptocurrency-part-1-of-2" target="_blank">here.</a></p><p><a href="https://www.instagram.com/berosd/" target="_blank">David Beros </a>is the Chief Product Manager from <a href="https://www.digitalx.com/" target="_blank">Digital X.</a> Thanks David for joining us to share your knowledge.</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to  help other people just like you find us.</p><p>For a 360 degree view of your finances get the Free WeMoney app. <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p>If you'd like to get in touch with Dan & Blaize about the show, send us a message via <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p><br /><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p>If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
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      <itunes:title>25. Crypto 101: Understanding cryptocurrency &amp; decentralised finance (Part 2 of 2)</itunes:title>
      <itunes:author>David Beros, Dan Jovevski, Blaize Pengilly</itunes:author>
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      <itunes:duration>00:37:24</itunes:duration>
      <itunes:summary>Cypherpunk David Beros dials in to help us understand the meme-driven cryptocurrency. From Lego blocks to sushi bars, David delves into decentralised finance and how it will change the way we spend,manage and store our money in the future. This is part 2 of a 2 part series looking at cryptocurrency. </itunes:summary>
      <itunes:subtitle>Cypherpunk David Beros dials in to help us understand the meme-driven cryptocurrency. From Lego blocks to sushi bars, David delves into decentralised finance and how it will change the way we spend,manage and store our money in the future. This is part 2 of a 2 part series looking at cryptocurrency. </itunes:subtitle>
      <itunes:keywords>bitcoin, personal finance, decentralised finance, learn crypto, defi, oz finance, crypto, wemoney, ausralian finance, understanding crypto, cypherpunk</itunes:keywords>
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      <title>24. Crypto 101: Understanding cryptocurrency (Part 1 of 2)</title>
      <description><![CDATA[<p>Thank you to Nesh Sooriyan for tuning in all the way from Singapore for this chat. Nesh can be found on <a href="https://twitter.com/nesh_s?lang=en" target="_blank">twitter</a>.</p><p>Nesh's recommended resources to learn more about crypto:</p><p><a href="https://nuggetsnews.com.au/" target="_blank">Nuggets News, </a><a href="https://www.independentreserve.com/" target="_blank">Independent Reserve, </a><a href="https://academy.binance.com/en">Binance Academy, </a><a href="https://www.coinbase.com/">Coinbase</a></p><p>Read: <a href="https://www.amazon.com.au/CRYPTOASSETS-INNOVATIVE-INVESTORS-BITCOIN-BYND/dp/1260026671" target="_blank">Crpytoassets: The Innovative Investors guide to Bitcoin and Beyond</a></p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to  help other people just like you find us.</p><p>For a 360 degree view of your finances get the Free Wemoney app. <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p>If you'd like to get in touch with Dan & Blaize about the show, send us a message via <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!<br /><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p>If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 11 Apr 2021 20:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Nesh Sooriyan, Dan Jovevski, Blaize Pengilly)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/crypto-101-understanding-cryptocurrency-part-1-of-2-sjBTfgWA</link>
      <content:encoded><![CDATA[<p>Thank you to Nesh Sooriyan for tuning in all the way from Singapore for this chat. Nesh can be found on <a href="https://twitter.com/nesh_s?lang=en" target="_blank">twitter</a>.</p><p>Nesh's recommended resources to learn more about crypto:</p><p><a href="https://nuggetsnews.com.au/" target="_blank">Nuggets News, </a><a href="https://www.independentreserve.com/" target="_blank">Independent Reserve, </a><a href="https://academy.binance.com/en">Binance Academy, </a><a href="https://www.coinbase.com/">Coinbase</a></p><p>Read: <a href="https://www.amazon.com.au/CRYPTOASSETS-INNOVATIVE-INVESTORS-BITCOIN-BYND/dp/1260026671" target="_blank">Crpytoassets: The Innovative Investors guide to Bitcoin and Beyond</a></p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to  help other people just like you find us.</p><p>For a 360 degree view of your finances get the Free Wemoney app. <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p>If you'd like to get in touch with Dan & Blaize about the show, send us a message via <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!<br /><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p>If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
      <enclosure length="41985130" type="audio/mpeg" url="https://cdn.simplecast.com/audio/1b2244d3-17aa-4a60-bc2a-e31609dc4426/episodes/2b3d6bdb-61fc-44c2-8925-87fb6ab5da21/audio/24689934-a3da-4a4c-91c5-07761e3bba31/default_tc.mp3?aid=rss_feed&amp;feed=Qtxr8H0X"/>
      <itunes:title>24. Crypto 101: Understanding cryptocurrency (Part 1 of 2)</itunes:title>
      <itunes:author>Nesh Sooriyan, Dan Jovevski, Blaize Pengilly</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/3b0ba446-6718-4e20-b7e5-17b2e448151c/3000x3000/podcast-art-episode-13-1.jpg?aid=rss_feed"/>
      <itunes:duration>00:43:45</itunes:duration>
      <itunes:summary>Crypto mastermind, Nesh Sooriyan from Accelerating Asia helps us make sense of  the world of crypto. If the terms bitcoin, doge coin and blockchain leave you scratching your head, tune in to make sense of it all. From how cryptocurrency started, to how it&apos;s used and where it&apos;s headed in the future.   This is part 1 of a 2 part series looking at cryptocurrency. </itunes:summary>
      <itunes:subtitle>Crypto mastermind, Nesh Sooriyan from Accelerating Asia helps us make sense of  the world of crypto. If the terms bitcoin, doge coin and blockchain leave you scratching your head, tune in to make sense of it all. From how cryptocurrency started, to how it&apos;s used and where it&apos;s headed in the future.   This is part 1 of a 2 part series looking at cryptocurrency. </itunes:subtitle>
      <itunes:keywords>bitcoin, personal finance, debtfree, digital currency, crytpocurrency, oz finance, doge coin, cryptoassets, australian finance, aus finance, blockchain, money, wemoney, understanding crypto, ethereum, cryptographer</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
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      <itunes:episode>24</itunes:episode>
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      <title>23. The snowball method &amp; 5 other strategies you can use to get out of debt ASAP.</title>
      <description><![CDATA[<p>We are taking a 2 week break over the  Easter period. We Talk Cents will be back with fresh info in your eyes on the 12th of April.</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to  help other people just like you find us.</p><p>For a 360 degree view of your finances get the Free Wemoney app. <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p>If you'd like to get in touch with Dan & Blaize about the show, send us a message via <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p><br /><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p>If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 21 Mar 2021 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (WeMoney, Blaize Pengilly, Daniel Jovevski)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/the-snowball-method-5-other-strategies-you-can-use-to-get-out-of-debt-asap-bQZ73RPx</link>
      <content:encoded><![CDATA[<p>We are taking a 2 week break over the  Easter period. We Talk Cents will be back with fresh info in your eyes on the 12th of April.</p><p>If you enjoy the show, we'd love if you could <a href="https://podcasts.apple.com/au/podcast/we-talk-cents/id1534511266" target="_blank">write a review on Apple podcasts</a> to  help other people just like you find us.</p><p>For a 360 degree view of your finances get the Free Wemoney app. <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p>If you'd like to get in touch with Dan & Blaize about the show, send us a message via <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> . We love hearing from you!</p><p><br /><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p>If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
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      <itunes:title>23. The snowball method &amp; 5 other strategies you can use to get out of debt ASAP.</itunes:title>
      <itunes:author>WeMoney, Blaize Pengilly, Daniel Jovevski</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/d5dbf1f8-2f30-454f-9299-c4958d88e92c/3000x3000/podcast-art-episode-12-1.jpg?aid=rss_feed"/>
      <itunes:duration>00:42:26</itunes:duration>
      <itunes:summary>Let&apos;s talk about Debt, baby. Let&apos;s talk about 6 strategies you can use to banish debt from your life and get a step closer to financial independence.</itunes:summary>
      <itunes:subtitle>Let&apos;s talk about Debt, baby. Let&apos;s talk about 6 strategies you can use to banish debt from your life and get a step closer to financial independence.</itunes:subtitle>
      <itunes:keywords>mortgage, fire, car loan, personal finance, home loan, medical loan, debt consolidation, debt free, australian finance, personal loan, snowball method, financial independence, tackling debt, debt, credit card, avalanche method</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
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      <itunes:episode>23</itunes:episode>
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      <title>22. “Banks are counting on consumers to fall asleep at the wheel and end up overpaying” - How you could save thousands by refinancing.</title>
      <description><![CDATA[<p>Learn more about <a href="https://save.athena.com.au/lvr_oo?utm_medium=affiliate&utm_source=wemoney&utm_campaign=feb+2021+oo&utm_content=in+app" target="_blank">Athena home loans.</a></p><p>Get a full picture of your financial health <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p>If you'd like to get in touch with Dan & Blaize about the show, send us a message via <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> .</p><p><br /><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p>If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></description>
      <pubDate>Sun, 14 Mar 2021 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Dan Jovevski, Nathan Walsh, Blaize Pengilly, Athena)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/banks-are-counting-on-consumers-to-fall-asleep-at-the-wheel-and-end-up-overpaying-how-you-could-save-thousands-by-refinancing-yHLuzPo4</link>
      <content:encoded><![CDATA[<p>Learn more about <a href="https://save.athena.com.au/lvr_oo?utm_medium=affiliate&utm_source=wemoney&utm_campaign=feb+2021+oo&utm_content=in+app" target="_blank">Athena home loans.</a></p><p>Get a full picture of your financial health <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p>If you'd like to get in touch with Dan & Blaize about the show, send us a message via <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> .</p><p><br /><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p>If you are struggling with your finances, call the National Debt Helpline on 1800 007 007 for free financial counselling.</p>
]]></content:encoded>
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      <itunes:title>22. “Banks are counting on consumers to fall asleep at the wheel and end up overpaying” - How you could save thousands by refinancing.</itunes:title>
      <itunes:author>Dan Jovevski, Nathan Walsh, Blaize Pengilly, Athena</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/b2777b2f-becf-428e-acf0-36a659f04f87/3000x3000/podcast-art-episode-11-1.jpg?aid=rss_feed"/>
      <itunes:duration>00:47:13</itunes:duration>
      <itunes:summary>For a lot of us, a mortgage is the largest debt we will have in our lives. Nathan Walsh, CEO of Athena home loans to give us the lowdown on refinancing to save. On average, Australian&apos;s are saving $60,000 by doing so. We think that money is far better off in your back pocket (instead of a donation to the bank.)</itunes:summary>
      <itunes:subtitle>For a lot of us, a mortgage is the largest debt we will have in our lives. Nathan Walsh, CEO of Athena home loans to give us the lowdown on refinancing to save. On average, Australian&apos;s are saving $60,000 by doing so. We think that money is far better off in your back pocket (instead of a donation to the bank.)</itunes:subtitle>
      <itunes:keywords>mortgage, personal finance, home loans, rba, ausfinance, comparison rates, refinancing, interest rates, smart money, banking, wemoney, saving money</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
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      <itunes:episode>22</itunes:episode>
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      <title>21. Essential frugality: How to survive when you&apos;re super broke.</title>
      <description><![CDATA[<p>If you're here because you are struggling to make ends meet right now, we hear you. Emily the @aussiedebtfreegirl delivers practical tips and a story of hope.</p><p>If this podcast brought up anything for you and you need to chat to someone, please call <a href="https://www.lifeline.org.au/" target="_blank">Lifeline </a>for crisis support on 13 11 14.If you are in financial crisis in Australia right now, there are services to help. <a href="https://moneysmart.gov.au/managing-debt/urgent-help-with-money" target="_blank">Check them out here.</a></p><p>If you'd like to know more about the fabulous Emily, you can find her on <a href="https://www.instagram.com/aussiedebtfreegirl/" target="_blank">instagram</a>, <a href="https://www.facebook.com/groups/589612471900531/?ref=share">facebook</a> and this is her <a href="https://aussiedebtfreegirl.com/">website.</a></p><p>Get a full picture of your financial health <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p>If you'd like to get in touch with Dan & Blaize about the show, send us a message via <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> .<br /><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation</p><p> </p><p><a href="https://forms.gle/Mwybq9GzrLowevtF6" target="_blank">Do us a favour and complete the listener survey</a>. It takes 5 minutes and it's the best way to let us know what it is that you're thinking and what you'd like to hear on the show.</p>
]]></description>
      <pubDate>Sun, 7 Mar 2021 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Dan Jovevski, Aussie debt free girl, Blaize Pengilly)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/essential-frugality-how-to-survive-when-youre-super-broke-Q3LghHEz</link>
      <content:encoded><![CDATA[<p>If you're here because you are struggling to make ends meet right now, we hear you. Emily the @aussiedebtfreegirl delivers practical tips and a story of hope.</p><p>If this podcast brought up anything for you and you need to chat to someone, please call <a href="https://www.lifeline.org.au/" target="_blank">Lifeline </a>for crisis support on 13 11 14.If you are in financial crisis in Australia right now, there are services to help. <a href="https://moneysmart.gov.au/managing-debt/urgent-help-with-money" target="_blank">Check them out here.</a></p><p>If you'd like to know more about the fabulous Emily, you can find her on <a href="https://www.instagram.com/aussiedebtfreegirl/" target="_blank">instagram</a>, <a href="https://www.facebook.com/groups/589612471900531/?ref=share">facebook</a> and this is her <a href="https://aussiedebtfreegirl.com/">website.</a></p><p>Get a full picture of your financial health <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p>If you'd like to get in touch with Dan & Blaize about the show, send us a message via <a href="https://www.instagram.com/getwemoney/" target="_blank">@getwemoney</a> .<br /><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation</p><p> </p><p><a href="https://forms.gle/Mwybq9GzrLowevtF6" target="_blank">Do us a favour and complete the listener survey</a>. It takes 5 minutes and it's the best way to let us know what it is that you're thinking and what you'd like to hear on the show.</p>
]]></content:encoded>
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      <itunes:title>21. Essential frugality: How to survive when you&apos;re super broke.</itunes:title>
      <itunes:author>Dan Jovevski, Aussie debt free girl, Blaize Pengilly</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/1bfc8a15-8da2-4da7-bea0-f6b2fe5cd7d3/3000x3000/podcast-art-episode-10-2.jpg?aid=rss_feed"/>
      <itunes:duration>00:46:54</itunes:duration>
      <itunes:summary>We promise we wont tell you to stop buying coffee. Emily the @aussiedebtfreegirl tells us her story of how she survived on $400 a fortnight as a single mum. Emily delivers practical tips on how to save money when you&apos;ve got next to nothing in your bank account.</itunes:summary>
      <itunes:subtitle>We promise we wont tell you to stop buying coffee. Emily the @aussiedebtfreegirl tells us her story of how she survived on $400 a fortnight as a single mum. Emily delivers practical tips on how to save money when you&apos;ve got next to nothing in your bank account.</itunes:subtitle>
      <itunes:keywords>single mum, frugal, poor, surviving, broke, australian finance, bankruptcy, saving, money, bankrupt, wemoney, debt, fruaglity, poverty</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
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      <title>20. The future is fintech - how technology is impacting the way we borrow money</title>
      <description><![CDATA[<p>Do you have regrets? Wishing you could turn back the clock and buy bitcoin instead of studip sh*t? Check out <a href="http://bitcoinorshit.com/" target="_blank">bitcoinorshit.com</a><a href="https://bitcoinorshit.com/" target="_blank">.</a></p><p><br />Julian Antonescu is a representative from <a href="https://www.moneyme.com.au/" target="_blank">MoneyMe.</a></p><p><br /><a href="https://forms.gle/Mwybq9GzrLowevtF6" target="_blank">Do us a favour and complete the listener survey</a>. It takes 5 minutes and it's the best way to let us know what it is that you're thinking and what you'd like to hear on the show.</p><p><br />If you'd like to get a full picture of your financial health <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><br /><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation</p><p> </p><p><br /> </p>
]]></description>
      <pubDate>Sun, 28 Feb 2021 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Dan Jovevski, Blaize Pengilly, Julian Antonescu, MoneyMe)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/ep-19-how-fintech-is-changing-the-way-we-borrow-money-ACI1YYFt</link>
      <content:encoded><![CDATA[<p>Do you have regrets? Wishing you could turn back the clock and buy bitcoin instead of studip sh*t? Check out <a href="http://bitcoinorshit.com/" target="_blank">bitcoinorshit.com</a><a href="https://bitcoinorshit.com/" target="_blank">.</a></p><p><br />Julian Antonescu is a representative from <a href="https://www.moneyme.com.au/" target="_blank">MoneyMe.</a></p><p><br /><a href="https://forms.gle/Mwybq9GzrLowevtF6" target="_blank">Do us a favour and complete the listener survey</a>. It takes 5 minutes and it's the best way to let us know what it is that you're thinking and what you'd like to hear on the show.</p><p><br />If you'd like to get a full picture of your financial health <a href="https://wemoney.sng.link/D7n27/na4h" target="_blank">Download the WeMoney app. </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><br /><strong>Disclaimer</strong><br />We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation</p><p> </p><p><br /> </p>
]]></content:encoded>
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      <itunes:title>20. The future is fintech - how technology is impacting the way we borrow money</itunes:title>
      <itunes:author>Dan Jovevski, Blaize Pengilly, Julian Antonescu, MoneyMe</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/cd98eb24-8cf8-4a1b-a29e-f44f9db9e851/3000x3000/podcast-art-episode-9-1.jpg?aid=rss_feed"/>
      <itunes:duration>00:36:01</itunes:duration>
      <itunes:summary>Fintech fiend Julian Antonescu from MoneyMe swings by to run us through the future of banking and how technology is transforming the way we manage our money.</itunes:summary>
      <itunes:subtitle>Fintech fiend Julian Antonescu from MoneyMe swings by to run us through the future of banking and how technology is transforming the way we manage our money.</itunes:subtitle>
      <itunes:keywords>personal finance, moneyme, personal finance management, aus finance, fintech, finance technology, money, bnpl, wemoney, pfm, ausmoney</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
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      <title>19. Winner Winner - how to score a free roast chook for dinner (&amp; other grocery saving hacks you&apos;ve never heard of!)</title>
      <description><![CDATA[<p>Read Amanda's blog on <a href="https://www.wemoney.com.au/blog/the-scanning-code-of-practice-and-receiving-free-groceries" target="_blank">how to score free groceries</a> at the supermarket.</p><p>Check out Amanda's Instagram <a href="https://www.instagram.com/bargain.boss/">@bargain.boss</a> for the latest deals and her delicious cocktail recipes (yum!).</p><p><a href="https://forms.gle/Mwybq9GzrLowevtF6" target="_blank">Do us a favour and complete the listener survey</a>. It takes 5 minutes and it's the best way to let us know what it is that you're thinking and what you'd like to hear on the show.</p><p>Sources: <a href="https://www.smh.com.au/money/planning-and-budgeting/this-is-how-much-you-should-budget-for-food-each-week-20200416-p54kbj.html#:~:text=Food%20is%2C%20according%20to%20the,year%2C%20or%20%2491%20per%20week." target="_blank">Australian Bureau of Statistics.</a></p><p>If you'd like to get a full picture of your financial health <a href="https://wemoney.sng.link/D7n27/na4h">Download the WeMoney app. </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation</p>
]]></description>
      <pubDate>Sun, 21 Feb 2021 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Blaize Pengilly, Bargain Boss, Dan Jovevski)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/winner-winner-how-to-score-a-free-roast-chook-for-dinner-other-grocery-saving-hacks-youve-never-heard-of-T8RRS9U4</link>
      <content:encoded><![CDATA[<p>Read Amanda's blog on <a href="https://www.wemoney.com.au/blog/the-scanning-code-of-practice-and-receiving-free-groceries" target="_blank">how to score free groceries</a> at the supermarket.</p><p>Check out Amanda's Instagram <a href="https://www.instagram.com/bargain.boss/">@bargain.boss</a> for the latest deals and her delicious cocktail recipes (yum!).</p><p><a href="https://forms.gle/Mwybq9GzrLowevtF6" target="_blank">Do us a favour and complete the listener survey</a>. It takes 5 minutes and it's the best way to let us know what it is that you're thinking and what you'd like to hear on the show.</p><p>Sources: <a href="https://www.smh.com.au/money/planning-and-budgeting/this-is-how-much-you-should-budget-for-food-each-week-20200416-p54kbj.html#:~:text=Food%20is%2C%20according%20to%20the,year%2C%20or%20%2491%20per%20week." target="_blank">Australian Bureau of Statistics.</a></p><p>If you'd like to get a full picture of your financial health <a href="https://wemoney.sng.link/D7n27/na4h">Download the WeMoney app. </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation</p>
]]></content:encoded>
      <enclosure length="29284545" type="audio/mpeg" url="https://cdn.simplecast.com/audio/1b2244d3-17aa-4a60-bc2a-e31609dc4426/episodes/6f017528-a585-485a-a346-534ccac4a630/audio/b7458604-b597-4508-bd76-29c92c14b3c6/default_tc.mp3?aid=rss_feed&amp;feed=Qtxr8H0X"/>
      <itunes:title>19. Winner Winner - how to score a free roast chook for dinner (&amp; other grocery saving hacks you&apos;ve never heard of!)</itunes:title>
      <itunes:author>Blaize Pengilly, Bargain Boss, Dan Jovevski</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/bec80bdf-cad4-4ac1-b828-bd3ca3238661/3000x3000/podcast-art-episode-8-1.jpg?aid=rss_feed"/>
      <itunes:duration>00:30:31</itunes:duration>
      <itunes:summary>Join us as the discount diva herself, Amanda from @bargain.boss shares her hacks on how to save HEAPS off your groceries. We&apos;re talking free roast chickens, free fresh items meaning more yummy food in your pantry and less impact on your bank account.</itunes:summary>
      <itunes:subtitle>Join us as the discount diva herself, Amanda from @bargain.boss shares her hacks on how to save HEAPS off your groceries. We&apos;re talking free roast chickens, free fresh items meaning more yummy food in your pantry and less impact on your bank account.</itunes:subtitle>
      <itunes:keywords>fire, personal finance, millenial money, oz finance, gen z money, debt free, how to save on groceries, bargain hunting, australian finance, grocery savings, frugal living, wemoney, saving money, bargain boss, discount</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
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      <itunes:episode>19</itunes:episode>
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      <title>18. VALENTINES SPECIAL: Relationships &amp; Money + learn how to spot the warning signs of financial abuse.</title>
      <description><![CDATA[<p><a href="http://amandacassar.com.au/">Amanda Cassar</a> is the Director of <a href="https://www.wealthplanningpartners.com.au/">Wealth Planning Partners.</a></p><p>If you are seeking more information or require help, check out these services as mentioned in the show:</p><p><a href="https://www.relationships.org.au/" target="_blank">Relationships Australia</a></p><p><a href="https://www.financialcounsellingaustralia.org.au/" target="_blank">Financial Counselling</a></p><p><a href="https://www.wire.org.au/">Wire </a>(Victoria only)</p><p>If you'd like to get a full picture of your financial health <a href="https://wemoney.sng.link/D7n27/na4h">Download the WeMoney app. </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation</p>
]]></description>
      <pubDate>Sun, 14 Feb 2021 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Amanda Cassar, Blaize Pengilly, Dan Jovevski)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/special-relationships-money-learn-how-to-spot-the-warning-signs-of-financial-abuse-9Hk997l6</link>
      <content:encoded><![CDATA[<p><a href="http://amandacassar.com.au/">Amanda Cassar</a> is the Director of <a href="https://www.wealthplanningpartners.com.au/">Wealth Planning Partners.</a></p><p>If you are seeking more information or require help, check out these services as mentioned in the show:</p><p><a href="https://www.relationships.org.au/" target="_blank">Relationships Australia</a></p><p><a href="https://www.financialcounsellingaustralia.org.au/" target="_blank">Financial Counselling</a></p><p><a href="https://www.wire.org.au/">Wire </a>(Victoria only)</p><p>If you'd like to get a full picture of your financial health <a href="https://wemoney.sng.link/D7n27/na4h">Download the WeMoney app. </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation</p>
]]></content:encoded>
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      <itunes:title>18. VALENTINES SPECIAL: Relationships &amp; Money + learn how to spot the warning signs of financial abuse.</itunes:title>
      <itunes:author>Amanda Cassar, Blaize Pengilly, Dan Jovevski</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/3a9e8209-6cdf-44eb-b5cc-3de4d444488a/3000x3000/podcast-art-episode-18.jpg?aid=rss_feed"/>
      <itunes:duration>01:04:01</itunes:duration>
      <itunes:summary>Dan &amp; Blaize look at when &amp; how to start splitting expenses with your partner. Plus, Financial Advisor Amanda Cassar teaches us how to spot the warning signs of financial abuse.
Content warning: This episode contains themes of financial/economic abuse.
</itunes:summary>
      <itunes:subtitle>Dan &amp; Blaize look at when &amp; how to start splitting expenses with your partner. Plus, Financial Advisor Amanda Cassar teaches us how to spot the warning signs of financial abuse.
Content warning: This episode contains themes of financial/economic abuse.
</itunes:subtitle>
      <itunes:keywords>personal finance, ausfinance, economic abuse, financial abuse, money, budgeting, couples budget, money in relationships</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
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      <itunes:episode>18</itunes:episode>
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      <title>17. The 5th biggest bank you&apos;ve never heard of &amp; a peek at the First Home Super Saver Scheme (FHSS)</title>
      <description><![CDATA[<p>Meet <a href="https://www.linkedin.com/in/tim-k-dean-436bbb47/" target="_blank">Tim K Dean</a>, founder of <a href="https://credi.com/intl/en-au/" target="_blank">Credi</a> the personal loan management platform for private lenders. For tips on lending money, borrowing money and gifting money check out <a href="https://credi.com/bomad/" target="_blank">Bomad.</a></p><p>Learn more about the <a href=" ATO.GOV.AU" target="_blank">First Home Super Saver Scheme.</a></p><p>If you'd like to get a full picture of your financial health <a href="https://wemoney.sng.link/D7n27/na4h">Download the WeMoney app. </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation</p>
]]></description>
      <pubDate>Sun, 7 Feb 2021 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Credi, Dan Jovevski, Blaize Pengilly, Tim K Dean)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/the-5th-biggest-bank-youve-never-heard-of-oCi_3TfN</link>
      <content:encoded><![CDATA[<p>Meet <a href="https://www.linkedin.com/in/tim-k-dean-436bbb47/" target="_blank">Tim K Dean</a>, founder of <a href="https://credi.com/intl/en-au/" target="_blank">Credi</a> the personal loan management platform for private lenders. For tips on lending money, borrowing money and gifting money check out <a href="https://credi.com/bomad/" target="_blank">Bomad.</a></p><p>Learn more about the <a href=" ATO.GOV.AU" target="_blank">First Home Super Saver Scheme.</a></p><p>If you'd like to get a full picture of your financial health <a href="https://wemoney.sng.link/D7n27/na4h">Download the WeMoney app. </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation</p>
]]></content:encoded>
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      <itunes:title>17. The 5th biggest bank you&apos;ve never heard of &amp; a peek at the First Home Super Saver Scheme (FHSS)</itunes:title>
      <itunes:author>Credi, Dan Jovevski, Blaize Pengilly, Tim K Dean</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/5449380a-a4ec-4637-97c2-5a97fac0d1e6/3000x3000/podcast-art-episode-17.jpg?aid=rss_feed"/>
      <itunes:duration>01:10:00</itunes:duration>
      <itunes:summary>Have you borrowed money from your parents? Had to lend money to a mate? Tim Dean joins us to talk us through the ins and outs of relationship lending. We also take a look at the Australian governments First Home Super Saver initiative for first home buyers and it gets a big thumbs up from us.</itunes:summary>
      <itunes:subtitle>Have you borrowed money from your parents? Had to lend money to a mate? Tim Dean joins us to talk us through the ins and outs of relationship lending. We also take a look at the Australian governments First Home Super Saver initiative for first home buyers and it gets a big thumbs up from us.</itunes:subtitle>
      <itunes:keywords>loan management, superannuation, relationship lending, personal finance, bomad, peer to peer lending, super, fhss, ausfinance, bank of mum and dad, australian finance, first home buyers, first home super saver scheme, wemoney, first home, tim k dean, credi</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
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      <title>16. HELP me with my HECS debt &amp; what&apos;s all the fuss about Open Banking?</title>
      <description><![CDATA[<p>Do you need HELP understanding your Australian Student loan? Never fear, Blaize grills Dan and the answers are here. Do I have to pay HELP when I move overseas? What happens to the loan when I die? All of these questions and plenty more are answered so you'll get an A+ if you're tested on HELP loans.</p><p>Country Manager of Yodlee joins us to explain what exactly Open Banking is and what it means for your financial future.</p><p><a href="https://www.linkedin.com/in/tim-poskitt-8950208/">Get in touch with our guest Tim Poskitt via linkedin.</a></p><p><a href="https://www.yodlee.com/oceania">Learn more about Yodlee.</a></p><p>Download the free WeMoney app using the referral code 'PODCAST' to get $5 on sign up and we'll plant a tree to celebrate.</p><p><a href="https://wemoney.sng.link/D7n27/na4h">Download the WeMoney app.</a></p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation</p><p>Sources:</p><p><a href="https://www.9news.com.au/national/coronavirus-alcohol-spending-up-2-billion-in-australia-in-pandemic/f8bf2ec6-6ef7-4a5b-99f3-421c88297b70">Australian's spend an extra $2 billion dollars on booze in 2020.</a></p>
]]></description>
      <pubDate>Sun, 31 Jan 2021 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Yodlee, Blaize Pengilly, Dan Jovevski, Tim Poskitt)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/helpmewithmyhecsandwhatsthefussaboutopenbanking-MwF7VWZr</link>
      <content:encoded><![CDATA[<p>Do you need HELP understanding your Australian Student loan? Never fear, Blaize grills Dan and the answers are here. Do I have to pay HELP when I move overseas? What happens to the loan when I die? All of these questions and plenty more are answered so you'll get an A+ if you're tested on HELP loans.</p><p>Country Manager of Yodlee joins us to explain what exactly Open Banking is and what it means for your financial future.</p><p><a href="https://www.linkedin.com/in/tim-poskitt-8950208/">Get in touch with our guest Tim Poskitt via linkedin.</a></p><p><a href="https://www.yodlee.com/oceania">Learn more about Yodlee.</a></p><p>Download the free WeMoney app using the referral code 'PODCAST' to get $5 on sign up and we'll plant a tree to celebrate.</p><p><a href="https://wemoney.sng.link/D7n27/na4h">Download the WeMoney app.</a></p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation</p><p>Sources:</p><p><a href="https://www.9news.com.au/national/coronavirus-alcohol-spending-up-2-billion-in-australia-in-pandemic/f8bf2ec6-6ef7-4a5b-99f3-421c88297b70">Australian's spend an extra $2 billion dollars on booze in 2020.</a></p>
]]></content:encoded>
      <enclosure length="52398199" type="audio/mpeg" url="https://cdn.simplecast.com/audio/1b2244d3-17aa-4a60-bc2a-e31609dc4426/episodes/9a4dc329-2f8d-4852-81d7-09367446d5c7/audio/89c2922f-cfb5-4347-912b-a71dff274cf0/default_tc.mp3?aid=rss_feed&amp;feed=Qtxr8H0X"/>
      <itunes:title>16. HELP me with my HECS debt &amp; what&apos;s all the fuss about Open Banking?</itunes:title>
      <itunes:author>Yodlee, Blaize Pengilly, Dan Jovevski, Tim Poskitt</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/83addd62-0d9b-4cf3-aa2d-e62b963d2232/3000x3000/podcast-art-episode-16.jpg?aid=rss_feed"/>
      <itunes:duration>00:54:35</itunes:duration>
      <itunes:summary>What happens to me HELP/HECS debt if I die? Do I have to pay it back if I move overseas? What on earth is Open Banking and why should I care? All of these questions, plus plenty more answered with a few questionable jokes thrown in.</itunes:summary>
      <itunes:subtitle>What happens to me HELP/HECS debt if I die? Do I have to pay it back if I move overseas? What on earth is Open Banking and why should I care? All of these questions, plus plenty more answered with a few questionable jokes thrown in.</itunes:subtitle>
      <itunes:keywords>personal finance, help, australian banking, finance news, open banking, hecs, gamestop, study assist, aus finance, student loans, yodlee, banking, wemoney</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>16</itunes:episode>
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      <title>15. Are you team pre-paid or team post paid? Best value phone plans and a unique form of affordable housing.</title>
      <description><![CDATA[<p><a href="https://co-operationhousing.org.au/">Learn more about co-operation housing.</a></p><p>If you'd like to get a full picture of your financial health <a href="https://wemoney.sng.link/D7n27/na4h">Download the WeMoney app.</a></p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation</p>
]]></description>
      <pubDate>Sun, 24 Jan 2021 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Melinda Marshall, Co-operation Housing, Dan Jovevski, Blaize Pengilly)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/are-you-team-pre-paid-or-team-post-paid-best-value-phone-plans-and-a-unique-form-of-affordable-housing-SG1k7Yap</link>
      <content:encoded><![CDATA[<p><a href="https://co-operationhousing.org.au/">Learn more about co-operation housing.</a></p><p>If you'd like to get a full picture of your financial health <a href="https://wemoney.sng.link/D7n27/na4h">Download the WeMoney app.</a></p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation</p>
]]></content:encoded>
      <enclosure length="58311920" type="audio/mpeg" url="https://cdn.simplecast.com/audio/1b2244d3-17aa-4a60-bc2a-e31609dc4426/episodes/a04e5695-4c13-4184-8691-339429a68a5c/audio/1b2170bb-46c5-4213-a9de-ed10db1ba19f/default_tc.mp3?aid=rss_feed&amp;feed=Qtxr8H0X"/>
      <itunes:title>15. Are you team pre-paid or team post paid? Best value phone plans and a unique form of affordable housing.</itunes:title>
      <itunes:author>Melinda Marshall, Co-operation Housing, Dan Jovevski, Blaize Pengilly</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/b9df3ff8-d392-4971-98c3-8cf25f8c8a8e/3000x3000/podcast-art-episode-15.jpg?aid=rss_feed"/>
      <itunes:duration>01:00:45</itunes:duration>
      <itunes:summary>Are you getting the best value from your phone plan? What&apos;s the real cost difference between pre-paid or post paid? Also - have you ever heard of co-operative housing? We explore this unique solution to Australia&apos;s housing crisis with Urban Planner Melinda Marshall. </itunes:summary>
      <itunes:subtitle>Are you getting the best value from your phone plan? What&apos;s the real cost difference between pre-paid or post paid? Also - have you ever heard of co-operative housing? We explore this unique solution to Australia&apos;s housing crisis with Urban Planner Melinda Marshall. </itunes:subtitle>
      <itunes:keywords>money matters, pre paid phones, personal finance, post paid phones, affordable houses, aus finance, phone plans, house prices, co-operative housing</itunes:keywords>
      <itunes:explicit>yes</itunes:explicit>
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      <title>14. Head back to school/uni without breaking the bank &amp; a history lesson on money.</title>
      <description><![CDATA[<p>Self proclaimed Money geek Joel Kandiah can be found sharing his epic cash collection and money facts on <a href="https://www.tiktok.com/@thehistoryofmoney?lang=en">TikTok.</a></p><p><a href="https://www.wemoney.com.au/blog/head-back-to-school-uni-without-breaking-the-bank-a-history-lesson-on-money">Read the episode transcript.</a></p><p>If you'd like to get a full picture of your financial health <a href="https://wemoney.sng.link/D7n27/na4h">Download the WeMoney app.</a></p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation</p>
]]></description>
      <pubDate>Sun, 17 Jan 2021 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Blaize Pengilly, Joel Kandiah, The History of Money, Dan Jovevski)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/go-back-to-school-uni-without-breaking-the-bank-a-history-lesson-on-money-y9mWG6nG</link>
      <content:encoded><![CDATA[<p>Self proclaimed Money geek Joel Kandiah can be found sharing his epic cash collection and money facts on <a href="https://www.tiktok.com/@thehistoryofmoney?lang=en">TikTok.</a></p><p><a href="https://www.wemoney.com.au/blog/head-back-to-school-uni-without-breaking-the-bank-a-history-lesson-on-money">Read the episode transcript.</a></p><p>If you'd like to get a full picture of your financial health <a href="https://wemoney.sng.link/D7n27/na4h">Download the WeMoney app.</a></p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation</p>
]]></content:encoded>
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      <itunes:title>14. Head back to school/uni without breaking the bank &amp; a history lesson on money.</itunes:title>
      <itunes:author>Blaize Pengilly, Joel Kandiah, The History of Money, Dan Jovevski</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/099f492b-b86b-4259-af55-44d4a6e043ac/3000x3000/podcast-art-episode-14.jpg?aid=rss_feed"/>
      <itunes:duration>01:11:16</itunes:duration>
      <itunes:summary>Pull up your socks and prepare your pencil cases, the return to school and uni is just around the corner. We&apos;ve got you covered with savings hacks  so you and your family can head back to study without breaking the bank. We&apos;re also joined by TikTok star @thehistoryofmoney and have a fascinating discussion about the past of cash in Australia.</itunes:summary>
      <itunes:subtitle>Pull up your socks and prepare your pencil cases, the return to school and uni is just around the corner. We&apos;ve got you covered with savings hacks  so you and your family can head back to study without breaking the bank. We&apos;re also joined by TikTok star @thehistoryofmoney and have a fascinating discussion about the past of cash in Australia.</itunes:subtitle>
      <itunes:keywords>australian money, back to school, personal finance, australian currency, personal money management, aus finance, uni savings, saving, history of money, back to school budgeting</itunes:keywords>
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      <title>13. 9 tips to get Financially fit in 2021 and building wealth with the Aussie Money Man</title>
      <description><![CDATA[<p>Need to read the tips with your very own eyes? Check out the breakdown of 9 tips to get financially fit on the <a href="www.wemoney.com.au/blog/9-tips-to-get-financially-fit-in-2021">WeMoney blog</a>.</p><p>Dive into Nick Muscat's Aussie Money Man <a href="https://www.youtube.com/channel/UCFjdDTZcTHWsBKYw0z5H_6g">YouTube channel</a> or check out his <a href="https://aussiemoneyman.com.au/">site.</a></p><p>If you'd like to get a full picture of your financial health <a href="https://wemoney.sng.link/D7n27/na4h">Download the WeMoney app.</a></p><p><a href="https://www.wemoney.com.au/blog/9-tips-to-get-financially-fit-in-2021-and-building-wealth-with-the-aussie-money-man">Read the episode transcript.</a></p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation</p>
]]></description>
      <pubDate>Sun, 10 Jan 2021 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (WeMoney)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/9-tips-to-get-financially-fit-in-2021-and-how-to-build-wealth-with-the-aussie-money-man-kyodpA3h</link>
      <content:encoded><![CDATA[<p>Need to read the tips with your very own eyes? Check out the breakdown of 9 tips to get financially fit on the <a href="www.wemoney.com.au/blog/9-tips-to-get-financially-fit-in-2021">WeMoney blog</a>.</p><p>Dive into Nick Muscat's Aussie Money Man <a href="https://www.youtube.com/channel/UCFjdDTZcTHWsBKYw0z5H_6g">YouTube channel</a> or check out his <a href="https://aussiemoneyman.com.au/">site.</a></p><p>If you'd like to get a full picture of your financial health <a href="https://wemoney.sng.link/D7n27/na4h">Download the WeMoney app.</a></p><p><a href="https://www.wemoney.com.au/blog/9-tips-to-get-financially-fit-in-2021-and-building-wealth-with-the-aussie-money-man">Read the episode transcript.</a></p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation</p>
]]></content:encoded>
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      <itunes:title>13. 9 tips to get Financially fit in 2021 and building wealth with the Aussie Money Man</itunes:title>
      <itunes:author>WeMoney</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/d918ed09-0de7-47e7-9dd4-73893036aff4/3000x3000/podcast-art-episode-13.jpg?aid=rss_feed"/>
      <itunes:duration>01:08:29</itunes:duration>
      <itunes:summary>Grab this year by the reigns with 9 tips to achieve financial fitness in 2021. Nicholas Muscat, the Aussie Money Man himself also joins us to inspire us to build knowledge &amp; wealth.</itunes:summary>
      <itunes:subtitle>Grab this year by the reigns with 9 tips to achieve financial fitness in 2021. Nicholas Muscat, the Aussie Money Man himself also joins us to inspire us to build knowledge &amp; wealth.</itunes:subtitle>
      <itunes:keywords>financial wellness, aussie money man, start 2021 strong, personal finance, wealth creation, australian finance, financial fitness, build knowledge, money management, self help, wemoney, build wealth</itunes:keywords>
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      <title>12. New Year, Best You Yet</title>
      <description><![CDATA[<p><a href="https://www.wemoney.com.au/2020-goal-setting-download">Get the free WeMoney 2021 Goals planner here.</a></p><p>Want to further improve your negotiation skills? Find Ben Byth on <a href="https://www.linkedin.com/in/ben-byth-6229102a/">linkedin. </a>Or learn more about <a href="https://www.scotwork.com.au/" target="_blank">Scotwork.</a></p><p>If you're feeling inspired by Matt Caruana's story and want to get to know him a bit better, visit his <a href="https://www.mattcaruana.com/">website </a>or hit that follow button on his <a href="https://www.instagram.com/mattshares/">Instagram.</a></p><p>If you'd like to get a full picture of your financial health <a href="https://wemoney.sng.link/D7n27/na4h">Download the WeMoney app.</a></p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p> </p><p> </p>
]]></description>
      <pubDate>Sun, 3 Jan 2021 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Ben Byth, Mental Made Manageable, Matt Caruana, Scotwork Australia, Blaize Pengilly, Dan Jovevski)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/ep-12-new-year-best-you-yet-FD_ytsKh</link>
      <content:encoded><![CDATA[<p><a href="https://www.wemoney.com.au/2020-goal-setting-download">Get the free WeMoney 2021 Goals planner here.</a></p><p>Want to further improve your negotiation skills? Find Ben Byth on <a href="https://www.linkedin.com/in/ben-byth-6229102a/">linkedin. </a>Or learn more about <a href="https://www.scotwork.com.au/" target="_blank">Scotwork.</a></p><p>If you're feeling inspired by Matt Caruana's story and want to get to know him a bit better, visit his <a href="https://www.mattcaruana.com/">website </a>or hit that follow button on his <a href="https://www.instagram.com/mattshares/">Instagram.</a></p><p>If you'd like to get a full picture of your financial health <a href="https://wemoney.sng.link/D7n27/na4h">Download the WeMoney app.</a></p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p> </p><p> </p>
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      <itunes:title>12. New Year, Best You Yet</itunes:title>
      <itunes:author>Ben Byth, Mental Made Manageable, Matt Caruana, Scotwork Australia, Blaize Pengilly, Dan Jovevski</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/606d716c-c689-4ca2-bb63-007df2904008/3000x3000/podcast-art-episode-12.jpg?aid=rss_feed"/>
      <itunes:duration>01:23:27</itunes:duration>
      <itunes:summary>Let&apos;s start 2021 strong with all of the tools you need in your toolkit. Learn the art of negotiation and set &amp; smash your goals for the year ahead.</itunes:summary>
      <itunes:subtitle>Let&apos;s start 2021 strong with all of the tools you need in your toolkit. Learn the art of negotiation and set &amp; smash your goals for the year ahead.</itunes:subtitle>
      <itunes:keywords>negotiation, goals, personal finance, self improvement, new years resolutions, s, goal setting, ausfinance, resolutions, scotwork, wemoney</itunes:keywords>
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      <title>11. Tash invests - From PJ’s to super star influencer &amp; is pet insurance worth it?</title>
      <description><![CDATA[<p>Find yourself falling into a personal finance education spiral over at <a href="https://www.tiktok.com/@tashinvests">Tash's Tiktok.</a> Alternatively, you can scroll through her Instagram feed <a href="https://www.instagram.com/tashinvests/?hl=en">here.</a></p><p><a href="https://wemoney.sng.link/D7n27/na4h">Download the WeMoney app</a></p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p>Sources:</p><p><a href="https://www.accc.gov.au/media-release/home-loan-borrowers-missing-out-on-significant-savings-by-not-switching">ACCC Home Loan Price Inquiry</a></p><p><a href="https://www.choice.com.au/shonky-awards">Shonky Awards for Pet Insurance</a></p><p><a href="https://moneysmart.gov.au/pet-insurance">Considerations for Pet Insurance</a></p>
]]></description>
      <pubDate>Sun, 13 Dec 2020 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Natasha etschmann, Daniel Jovevski, Blaize Pengilly)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/ep-11-tash-invests-pet-insurance-HSYTOhgs</link>
      <content:encoded><![CDATA[<p>Find yourself falling into a personal finance education spiral over at <a href="https://www.tiktok.com/@tashinvests">Tash's Tiktok.</a> Alternatively, you can scroll through her Instagram feed <a href="https://www.instagram.com/tashinvests/?hl=en">here.</a></p><p><a href="https://wemoney.sng.link/D7n27/na4h">Download the WeMoney app</a></p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p>Sources:</p><p><a href="https://www.accc.gov.au/media-release/home-loan-borrowers-missing-out-on-significant-savings-by-not-switching">ACCC Home Loan Price Inquiry</a></p><p><a href="https://www.choice.com.au/shonky-awards">Shonky Awards for Pet Insurance</a></p><p><a href="https://moneysmart.gov.au/pet-insurance">Considerations for Pet Insurance</a></p>
]]></content:encoded>
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      <itunes:title>11. Tash invests - From PJ’s to super star influencer &amp; is pet insurance worth it?</itunes:title>
      <itunes:author>Natasha etschmann, Daniel Jovevski, Blaize Pengilly</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/dbfed923-622d-40b0-bbf6-25daf839bfe7/3000x3000/podcast-art-episode-11.jpg?aid=rss_feed"/>
      <itunes:duration>00:55:08</itunes:duration>
      <itunes:summary>In our last episode for 2020 the lovely &amp; clever @tashinvests joins us to talk spontaneous apartment buying, working hard and getting 18,000 views filming videos in your pyjamas. We also look into the ins and outs of insuring your pooch.</itunes:summary>
      <itunes:subtitle>In our last episode for 2020 the lovely &amp; clever @tashinvests joins us to talk spontaneous apartment buying, working hard and getting 18,000 views filming videos in your pyjamas. We also look into the ins and outs of insuring your pooch.</itunes:subtitle>
      <itunes:keywords>personal finance, tash invests, investing, ausfinance, pet insurance, wemoney, money mindset</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
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      <itunes:episode>11</itunes:episode>
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      <title>10. Understanding investing with Justin Baldori and we take the helm to learn about  sinking funds.</title>
      <description><![CDATA[<p>Do you have to be the wolf of wall street to start investing? Do you need a lot of cash to start? Is there a safe way to invest? Justin Baldori joins us to answer all of these questions. </p><p>To learn more about stocks or watch any of Justin Baldori's entertaining and informative videos check out his <a href="https://www.youtube.com/channel/UClLOuBM5tdTATogUdK-8rRQ">YouTube channel.</a></p><p>Have you ever saved up for a holiday? Or put money aside for something coming up in the future? You may have unknowingly created a sinking fund. Dan & Blaize share their thoughts on sinking funds, how they work and how you can make them benefit you.</p><p><a href="https://wemoney.sng.link/D7n27/na4h">Download the WeMoney app</a></p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p> </p>
]]></description>
      <pubDate>Sun, 6 Dec 2020 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Blaize Pengilly, Dan Jovevski, Justin Baldori)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/justin-baldori-joins-us-to-talk-everything-from-star-jumps-to-stocks-and-we-take-the-helm-to-learn-about-sinking-funds-NLuikzs3</link>
      <content:encoded><![CDATA[<p>Do you have to be the wolf of wall street to start investing? Do you need a lot of cash to start? Is there a safe way to invest? Justin Baldori joins us to answer all of these questions. </p><p>To learn more about stocks or watch any of Justin Baldori's entertaining and informative videos check out his <a href="https://www.youtube.com/channel/UClLOuBM5tdTATogUdK-8rRQ">YouTube channel.</a></p><p>Have you ever saved up for a holiday? Or put money aside for something coming up in the future? You may have unknowingly created a sinking fund. Dan & Blaize share their thoughts on sinking funds, how they work and how you can make them benefit you.</p><p><a href="https://wemoney.sng.link/D7n27/na4h">Download the WeMoney app</a></p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p> </p>
]]></content:encoded>
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      <itunes:title>10. Understanding investing with Justin Baldori and we take the helm to learn about  sinking funds.</itunes:title>
      <itunes:author>Blaize Pengilly, Dan Jovevski, Justin Baldori</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/765e1b55-b614-4f13-94a1-05a097373a9b/3000x3000/podcast-art-episode-10-1.jpg?aid=rss_feed"/>
      <itunes:duration>01:00:43</itunes:duration>
      <itunes:summary>Justin Baldori from Youtube joins us to talk all things investing and how to start your 2021 strong. We also take the helm to talk sinking funds, what they are and how they can improve your budget.</itunes:summary>
      <itunes:subtitle>Justin Baldori from Youtube joins us to talk all things investing and how to start your 2021 strong. We also take the helm to talk sinking funds, what they are and how they can improve your budget.</itunes:subtitle>
      <itunes:keywords>personal finance, budget, investing, justin baldori, blaize pengilly, money, wemoney, sinking funds, budgeting, dan jovevski</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
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      <title>9. We take our shoes off to review the Barefoot Investor budget &amp; experience the intangible joy of giving</title>
      <description><![CDATA[<p>To chase the joy of the intangible feeling of gifting, check out the <a href="https://buynothingproject.org/">Buy Nothing Project</a> for more info or to find your local group.</p><p>If Natasha's decluttering skills pique your interest feel free to reach out or get in touch with her via her website <a href="https://www.cure8yourlife.com/">Cure8yourlife.</a></p><p><a href="https://wemoney.sng.link/D7n27/na4h">Download the WeMoney app</a></p><p>Sources:</p><p><a href="https://www.barefootinvestor.com/">The Barefoot Investor</a></p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p>
]]></description>
      <pubDate>Sun, 29 Nov 2020 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Blaize Pengilly, Dan Jovevski)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/the-barefoot-investor-budget-review-1BwKtq_d</link>
      <content:encoded><![CDATA[<p>To chase the joy of the intangible feeling of gifting, check out the <a href="https://buynothingproject.org/">Buy Nothing Project</a> for more info or to find your local group.</p><p>If Natasha's decluttering skills pique your interest feel free to reach out or get in touch with her via her website <a href="https://www.cure8yourlife.com/">Cure8yourlife.</a></p><p><a href="https://wemoney.sng.link/D7n27/na4h">Download the WeMoney app</a></p><p>Sources:</p><p><a href="https://www.barefootinvestor.com/">The Barefoot Investor</a></p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p>
]]></content:encoded>
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      <itunes:title>9. We take our shoes off to review the Barefoot Investor budget &amp; experience the intangible joy of giving</itunes:title>
      <itunes:author>Blaize Pengilly, Dan Jovevski</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/701b120a-d0c8-46ce-8c72-5b88cfd6049a/3000x3000/podcast-art-episode-9.jpg?aid=rss_feed"/>
      <itunes:duration>00:53:53</itunes:duration>
      <itunes:summary>Throw away your shoes off to take a look at what we&apos;ve dubbed the &apos;gateway drug&apos; to becoming a personal finance addict. We are of course referring to &quot;The Barefoot Investor&quot; style of budgeting. We also explore the gift economy and the idea of helping your neighbours to not spend money as Natasha joins us to share her experience as part of the Buy Nothing Project.</itunes:summary>
      <itunes:subtitle>Throw away your shoes off to take a look at what we&apos;ve dubbed the &apos;gateway drug&apos; to becoming a personal finance addict. We are of course referring to &quot;The Barefoot Investor&quot; style of budgeting. We also explore the gift economy and the idea of helping your neighbours to not spend money as Natasha joins us to share her experience as part of the Buy Nothing Project.</itunes:subtitle>
      <itunes:keywords>personal finance, budget, aus debt free community, budget tips, buy nothing project, money, ausmoney, the barefoot investor</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>9</itunes:episode>
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      <title>8. The four most common debt traps that people fall into &amp; the  60% solution for personal budgeting.</title>
      <description><![CDATA[<p>Spending season is just around the corner so we call in an expert to warn us of the 4 most common debt traps that people fall in when it comes to using fringe credit providers. Saurav Dutta is the head of accounting at Curtin University, he's worked in the New York State Attorney Generals office and done some remarkable work involving the reparations of Swiss francs to Holocaust Victims. Saurav brings his wealth of experience and knowledge to the podcast booth.</p><p>The Budget breakdown series also continues with a look at the pro's and cons of The 60% Solution, a budgeting method coined by former MSN Money editor Richard Jenkins.</p><p>Read Saurav's article on The Conversation<a href="https://theconversation.com/four-common-debt-traps-payday-loans-consumer-leases-blackmail-securities-and-credit-management-113564"> here.</a></p><p><a href="https://wemoney.sng.link/D7n27/na4h">Download the WeMoney app.</a></p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p>
]]></description>
      <pubDate>Sun, 22 Nov 2020 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Dan Jovevski, Blaize Pengilly, Saurav Dutta)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/the-four-most-common-debt-traps-that-people-fall-into-the-60-solution-for-personal-budgeting-Y8AusiHR</link>
      <content:encoded><![CDATA[<p>Spending season is just around the corner so we call in an expert to warn us of the 4 most common debt traps that people fall in when it comes to using fringe credit providers. Saurav Dutta is the head of accounting at Curtin University, he's worked in the New York State Attorney Generals office and done some remarkable work involving the reparations of Swiss francs to Holocaust Victims. Saurav brings his wealth of experience and knowledge to the podcast booth.</p><p>The Budget breakdown series also continues with a look at the pro's and cons of The 60% Solution, a budgeting method coined by former MSN Money editor Richard Jenkins.</p><p>Read Saurav's article on The Conversation<a href="https://theconversation.com/four-common-debt-traps-payday-loans-consumer-leases-blackmail-securities-and-credit-management-113564"> here.</a></p><p><a href="https://wemoney.sng.link/D7n27/na4h">Download the WeMoney app.</a></p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p>
]]></content:encoded>
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      <itunes:title>8. The four most common debt traps that people fall into &amp; the  60% solution for personal budgeting.</itunes:title>
      <itunes:author>Dan Jovevski, Blaize Pengilly, Saurav Dutta</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/75fceb92-3957-4395-a76f-86d640c88961/3000x3000/podcast-art-episode-8.jpg?aid=rss_feed"/>
      <itunes:duration>01:00:33</itunes:duration>
      <itunes:summary>Let&apos;s talk about debt, baby. The head of accounting from Curtin University shares the 4 most common debt traps people fall into, and they aren&apos;t what you&apos;d expect. We also breakdown the 60% solution for personal budgeting.</itunes:summary>
      <itunes:subtitle>Let&apos;s talk about debt, baby. The head of accounting from Curtin University shares the 4 most common debt traps people fall into, and they aren&apos;t what you&apos;d expect. We also breakdown the 60% solution for personal budgeting.</itunes:subtitle>
      <itunes:keywords>debt traps, personal finance, debtfree, australianfinance, accounting, debt, budgeting, 60% solution</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
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      <itunes:episode>8</itunes:episode>
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      <title>9. House sitting  to save, a cheeky chicken named Gloria &amp; how to avoid a Christmas debt hangover</title>
      <description><![CDATA[<p>With just over 5 weeks left to go until the fat man slides down the Chimney,  it's time to start thinking and planning for Christmas. Dan and Blaize share their tips on creating a budget to cover all the unexpected costs at Christmas, plus some handy apps that may help you save your hard earned dosh on presents. For a deeper dive into the Christmas budget, <a href="https://www.wemoney.com.au/blog">read this.</a></p><p>If living it up in houses with button controlled blinds is your thing, then check out Lisa's blog <a href="https://dreamingofdownunder.com/">Dreaming of Down Under</a> for tips on house sitting, moving to Australia and her many road trip itinerary's. If an insta stalk is what takes your fancy then you <a href="https://www.instagram.com/dreamingofdownunder/">can check out her gram</a>. Be warned, it contains epic travel shots and you might get struck with jealousy.</p><p>Sources:</p><p><a href="https://www.news.com.au/finance/money/costs/one-in-three-australians-start-2020-with-a-christmas-debt-hangover/news-story/1bcd02b3c7a51da4a2204bbf5e47cb0a#:~:text=According%20to%20new%20research%20from,a%20%E2%80%9CChristmas%20debt%20hangover%E2%80%9D.">Christmas Debt Hangover.</a></p><p><a href="https://thenewdaily.com.au/finance/consumer/2019/11/18/changing-christmas-shopping/">Australians waste $411 million on unwanted gifts.</a></p><p>If you'd like to get a full picture of your financial health <a href="https://wemoney.sng.link/D7n27/na4h">Download the WeMoney app. </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p>
]]></description>
      <pubDate>Sun, 15 Nov 2020 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Blaize Pengilly, Lisa Bull, Dan Jovevski, Dreaming of Down Under)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/house-sitting-to-save-a-cheeky-chicken-named-gloria-how-to-avoid-a-christmas-debt-hangover-jbKO5cCv</link>
      <content:encoded><![CDATA[<p>With just over 5 weeks left to go until the fat man slides down the Chimney,  it's time to start thinking and planning for Christmas. Dan and Blaize share their tips on creating a budget to cover all the unexpected costs at Christmas, plus some handy apps that may help you save your hard earned dosh on presents. For a deeper dive into the Christmas budget, <a href="https://www.wemoney.com.au/blog">read this.</a></p><p>If living it up in houses with button controlled blinds is your thing, then check out Lisa's blog <a href="https://dreamingofdownunder.com/">Dreaming of Down Under</a> for tips on house sitting, moving to Australia and her many road trip itinerary's. If an insta stalk is what takes your fancy then you <a href="https://www.instagram.com/dreamingofdownunder/">can check out her gram</a>. Be warned, it contains epic travel shots and you might get struck with jealousy.</p><p>Sources:</p><p><a href="https://www.news.com.au/finance/money/costs/one-in-three-australians-start-2020-with-a-christmas-debt-hangover/news-story/1bcd02b3c7a51da4a2204bbf5e47cb0a#:~:text=According%20to%20new%20research%20from,a%20%E2%80%9CChristmas%20debt%20hangover%E2%80%9D.">Christmas Debt Hangover.</a></p><p><a href="https://thenewdaily.com.au/finance/consumer/2019/11/18/changing-christmas-shopping/">Australians waste $411 million on unwanted gifts.</a></p><p>If you'd like to get a full picture of your financial health <a href="https://wemoney.sng.link/D7n27/na4h">Download the WeMoney app. </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p>
]]></content:encoded>
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      <itunes:title>9. House sitting  to save, a cheeky chicken named Gloria &amp; how to avoid a Christmas debt hangover</itunes:title>
      <itunes:author>Blaize Pengilly, Lisa Bull, Dan Jovevski, Dreaming of Down Under</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/f73c2530-7bcc-43f5-aa5b-1726fae9b8fc/3000x3000/podcast-art-blank.jpg?aid=rss_feed"/>
      <itunes:duration>00:59:36</itunes:duration>
      <itunes:summary>We&apos;ve got a brand new name, We Talk Cents - pleased to meet you! We chat to British expat Lisa Bull about how she saves over $30,000 by house sitting + we look at how to avoid overspending at Christmas with a special festive season budget.</itunes:summary>
      <itunes:subtitle>We&apos;ve got a brand new name, We Talk Cents - pleased to meet you! We chat to British expat Lisa Bull about how she saves over $30,000 by house sitting + we look at how to avoid overspending at Christmas with a special festive season budget.</itunes:subtitle>
      <itunes:keywords>personal finance, debt hangover, house sitting, side hustle, christmas budget, australian christmas</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>7</itunes:episode>
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      <title>6. Make super great Again, phone insurance &amp; zero based budgeting.</title>
      <description><![CDATA[<p>There has been plenty of talk about Superannuation lately so we phone a friend to ask what on earth is going on. Helen Hodsgon, <i>Director of Graduate Studies for the Curtin Law School  </i>joins us to share her expert insights. Helen discusses inequality in super, the power of compound interest and how super is impacted by the gig economy.</p><p>Helen Hodgson has shared much of her research into superannuation on the conversation. <a href="https://theconversation.com/profiles/helen-hodgson-94553/articles">Take a read of her work here.</a></p><p>If the Zero-based budgeting method tickles your fancy <a href="https://www.daveramsey.com/blog/how-to-make-a-zero-based-budget" target="_blank">read this</a>.</p><p>Sources:</p><p><a href="https://www.techguide.com.au/news/australians-guilty-losing-smashing-thousands-smartphones-per-day/" target="_blank">Australian's smashing their smartphones.</a></p><p><a href="https://moneysmart.gov.au/mobile-phone-tablet-and-laptop-insurance">Mobile phone insurance.</a></p><p><a href="https://www.androidauthority.com/cracked-phone-screen-927180/#:~:text=That's%20how%20many%20phone%20screens,phones%20in%20the%20past%20year." target="_blank">Cracked phone screens.</a></p><p>If you'd like to get a full picture of your financial health <a href="https://wemoney.sng.link/D7n27/na4h">Download the WeMoney app. </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p>
]]></description>
      <pubDate>Sun, 8 Nov 2020 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Helen Hodgson, Blaize Pengilly, Dan Jovevski)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/make-super-great-again-phone-insurance-zero-based-budgeting-TJCS_nmZ</link>
      <content:encoded><![CDATA[<p>There has been plenty of talk about Superannuation lately so we phone a friend to ask what on earth is going on. Helen Hodsgon, <i>Director of Graduate Studies for the Curtin Law School  </i>joins us to share her expert insights. Helen discusses inequality in super, the power of compound interest and how super is impacted by the gig economy.</p><p>Helen Hodgson has shared much of her research into superannuation on the conversation. <a href="https://theconversation.com/profiles/helen-hodgson-94553/articles">Take a read of her work here.</a></p><p>If the Zero-based budgeting method tickles your fancy <a href="https://www.daveramsey.com/blog/how-to-make-a-zero-based-budget" target="_blank">read this</a>.</p><p>Sources:</p><p><a href="https://www.techguide.com.au/news/australians-guilty-losing-smashing-thousands-smartphones-per-day/" target="_blank">Australian's smashing their smartphones.</a></p><p><a href="https://moneysmart.gov.au/mobile-phone-tablet-and-laptop-insurance">Mobile phone insurance.</a></p><p><a href="https://www.androidauthority.com/cracked-phone-screen-927180/#:~:text=That's%20how%20many%20phone%20screens,phones%20in%20the%20past%20year." target="_blank">Cracked phone screens.</a></p><p>If you'd like to get a full picture of your financial health <a href="https://wemoney.sng.link/D7n27/na4h">Download the WeMoney app. </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p>
]]></content:encoded>
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      <itunes:title>6. Make super great Again, phone insurance &amp; zero based budgeting.</itunes:title>
      <itunes:author>Helen Hodgson, Blaize Pengilly, Dan Jovevski</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/7000d068-f57d-4b52-b5b7-bce603ed19a3/3000x3000/podcast-art-episode-6.jpg?aid=rss_feed"/>
      <itunes:duration>01:09:01</itunes:duration>
      <itunes:summary>We talk to Superannuation expert Helen Hodgson as well as looking at whether phone insurance is really worth it + a full breakdown of the zero based budgeting method.</itunes:summary>
      <itunes:subtitle>We talk to Superannuation expert Helen Hodgson as well as looking at whether phone insurance is really worth it + a full breakdown of the zero based budgeting method.</itunes:subtitle>
      <itunes:keywords>zero based budget, zero based budgeting, superannuation, phone insurance, gig economy, inequality</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>6</itunes:episode>
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      <title>5. Taking your Money to New Heights with Leading Blogger Capital FI, Emergency Funds and the Cash Only Budget</title>
      <description><![CDATA[<p>If you're craving a flight or are curious to learn more about FIRE, you can visit <a href="https://captainfi.com/">Captain FI here.</a> Check out the in flight entertainment by taking a peek at the Captains recommended reading list. Follow the captains advice and track your spending with the <a href="https://bit.ly/3mNGuWp">WeMoney app</a>.</p><p>Saving for a rainy day? Visit <a href="https://moneysmart.gov.au/saving/save-for-an-emergency-fund">MoneySmart</a> for more information on emergency funds.</p><p>Sources:</p><p><a href="https://www.nerdwallet.com/article/credit-cards/credit-cards-make-you-spend-more">Credit cards make you spend more.</a></p><p><a href="https://www.rba.gov.au/publications/bulletin/2020/jun/cash-use-in-australia-results-from-the-2019-consumer-payments-survey.html#:~:text=Just%20under%20half%20of%20in,made%20using%20cash%20in%202019">RBA statistics on cash use in Australia.</a></p><p>If you'd like to get a full picture of your financial health <a href="https://wemoney.sng.link/D7n27/na4h">Download the WeMoney app. </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p>
]]></description>
      <pubDate>Mon, 2 Nov 2020 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Dan Jovevski, WeMoney, Blaize Pengilly, Captain FI)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/a-frugal-first-date-with-capatin-fi-emergency-funds-and-the-cash-only-budget-h7qCjJHw</link>
      <content:encoded><![CDATA[<p>If you're craving a flight or are curious to learn more about FIRE, you can visit <a href="https://captainfi.com/">Captain FI here.</a> Check out the in flight entertainment by taking a peek at the Captains recommended reading list. Follow the captains advice and track your spending with the <a href="https://bit.ly/3mNGuWp">WeMoney app</a>.</p><p>Saving for a rainy day? Visit <a href="https://moneysmart.gov.au/saving/save-for-an-emergency-fund">MoneySmart</a> for more information on emergency funds.</p><p>Sources:</p><p><a href="https://www.nerdwallet.com/article/credit-cards/credit-cards-make-you-spend-more">Credit cards make you spend more.</a></p><p><a href="https://www.rba.gov.au/publications/bulletin/2020/jun/cash-use-in-australia-results-from-the-2019-consumer-payments-survey.html#:~:text=Just%20under%20half%20of%20in,made%20using%20cash%20in%202019">RBA statistics on cash use in Australia.</a></p><p>If you'd like to get a full picture of your financial health <a href="https://wemoney.sng.link/D7n27/na4h">Download the WeMoney app. </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p>
]]></content:encoded>
      <enclosure length="68649734" type="audio/mpeg" url="https://cdn.simplecast.com/audio/1b2244d3-17aa-4a60-bc2a-e31609dc4426/episodes/fba1ed14-c925-48c0-878a-aa4d64979cbc/audio/2ec21c7a-fed8-4924-9ffd-0ef72b406cb8/default_tc.mp3?aid=rss_feed&amp;feed=Qtxr8H0X"/>
      <itunes:title>5. Taking your Money to New Heights with Leading Blogger Capital FI, Emergency Funds and the Cash Only Budget</itunes:title>
      <itunes:author>Dan Jovevski, WeMoney, Blaize Pengilly, Captain FI</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/8683a04b-c9c2-4ffd-a1d4-02cde2db9600/95e6dac2-3580-45b3-9c24-de286b1f70b3/3000x3000/podcast-art-episode-5.jpg?aid=rss_feed"/>
      <itunes:duration>01:11:31</itunes:duration>
      <itunes:summary>We jump into the cockpit with our guest Captain FI, explore the importance of emergency funds and whether or not sticking to the cash only budget is possible in 2020.</itunes:summary>
      <itunes:subtitle>We jump into the cockpit with our guest Captain FI, explore the importance of emergency funds and whether or not sticking to the cash only budget is possible in 2020.</itunes:subtitle>
      <itunes:keywords>fire, captain fi, envelope budget, retire early, emergency funds, financial independence, cash only budget</itunes:keywords>
      <itunes:explicit>no</itunes:explicit>
      <itunes:episodeType>full</itunes:episodeType>
      <itunes:episode>5</itunes:episode>
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      <title>4. Bin Diving to save on Groceries, the 50:20:30 Budget and a look at the  First Home Owners Grant.</title>
      <description><![CDATA[<p>Would you dive into a skip bin to save money on your Groceries?  Meet Freya Gan, a Dumpster Diver who does exactly that. Dan and & Blaize also embark on a budget breakdown mini series, this episode taking a look at the 50:20:20 method of budgeting. </p><p>For anyone considering buying their first home, your hosts continue their discussion on the current concessions and grants offered by the Australian Government, sharing insight on the First Home Owners Grant. <a href="https://www.wemoney.com.au/blog/first-home-loan-deposit-schemes">To read more about the schemes in place, check out the WeMoney blog.</a></p><p>If you're curious to see the spoils of our guest Freya Gan's hauls? Check out her instagram <a href="https://www.instagram.com/bincuisine/">@Bincuisine.</a></p><p>Sources:</p><p><a href="https://www.ozharvest.org/what-we-do/environment-facts/">Food waste facts from OZ Harvest</a></p><p><a href="https://www.abs.gov.au/statistics/labour/earnings-and-work-hours/average-weekly-earnings-australia/latest-release#australia">For the latest data on labour and earnings in Australia from the Australian Bureau of Statistics.</a></p><p>If you'd like to get a full picture of your financial health <a href="https://wemoney.sng.link/D7n27/na4h">Download the WeMoney app. </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p> </p>
]]></description>
      <pubDate>Tue, 27 Oct 2020 01:39:38 +0000</pubDate>
      <author>hello@wemoney.com.au (Blaize Pengilly, Bincuisine, Dan Jovevski)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/bin-diving-to-save-on-groceries-the-50-20-30-budget-and-a-look-at-the-first-home-owners-grant-h0FdHsdr</link>
      <content:encoded><![CDATA[<p>Would you dive into a skip bin to save money on your Groceries?  Meet Freya Gan, a Dumpster Diver who does exactly that. Dan and & Blaize also embark on a budget breakdown mini series, this episode taking a look at the 50:20:20 method of budgeting. </p><p>For anyone considering buying their first home, your hosts continue their discussion on the current concessions and grants offered by the Australian Government, sharing insight on the First Home Owners Grant. <a href="https://www.wemoney.com.au/blog/first-home-loan-deposit-schemes">To read more about the schemes in place, check out the WeMoney blog.</a></p><p>If you're curious to see the spoils of our guest Freya Gan's hauls? Check out her instagram <a href="https://www.instagram.com/bincuisine/">@Bincuisine.</a></p><p>Sources:</p><p><a href="https://www.ozharvest.org/what-we-do/environment-facts/">Food waste facts from OZ Harvest</a></p><p><a href="https://www.abs.gov.au/statistics/labour/earnings-and-work-hours/average-weekly-earnings-australia/latest-release#australia">For the latest data on labour and earnings in Australia from the Australian Bureau of Statistics.</a></p><p>If you'd like to get a full picture of your financial health <a href="https://wemoney.sng.link/D7n27/na4h">Download the WeMoney app. </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p> </p>
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      <itunes:title>4. Bin Diving to save on Groceries, the 50:20:30 Budget and a look at the  First Home Owners Grant.</itunes:title>
      <itunes:author>Blaize Pengilly, Bincuisine, Dan Jovevski</itunes:author>
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      <itunes:duration>00:46:34</itunes:duration>
      <itunes:summary>Dumpster Diving to save on groceries, The Pro&apos;s and Cons of the 50:20:30 budget and what you need to know if you&apos;re a first home buyer looking to cash in on the First Home Owners Grant.</itunes:summary>
      <itunes:subtitle>Dumpster Diving to save on groceries, The Pro&apos;s and Cons of the 50:20:30 budget and what you need to know if you&apos;re a first home buyer looking to cash in on the First Home Owners Grant.</itunes:subtitle>
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      <description><![CDATA[<p>Don't know what a credit score is? Or why it's important? Don't worry, we've got you covered. Dan & Blaize talk credit score 101 - what it is, why it matters and what impacts your rating. </p><p>The Government also announced an additional 10,000 places have been added to the First Home Loan Deposit scheme as of October 6th, 2020. Dan and Blaize discuss what the changes are and how to apply.</p><p>Plus, you'll get to meet Royce, a 21 year old student investor who is doing such a good job of managing his finances that he makes your hosts jealous.</p><p>Want to know more about credit scores?  Check out <a href="https://moneysmart.gov.au/managing-debt/credit-scores-and-credit-reports">MoneySmart</a> for more details.</p><p>For more information about the First Home Loan Deposit Scheme <a href="https://www.nhfic.gov.au/what-we-do/fhlds/">check this out</a>.</p><p>If you'd like to get a full picture of your financial health<a href="https://wemoney.sng.link/D7n27/na4h"> Download the WeMoney app. </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account. </p>
]]></description>
      <pubDate>Mon, 19 Oct 2020 19:00:00 +0000</pubDate>
      <author>hello@wemoney.com.au (Dan Jovevski, Blaize Pengilly, Royce Matthews)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/credit-scores-the-first-home-loan-deposit-scheme-and-a-savvy-student-investor-2y9NKH7U</link>
      <content:encoded><![CDATA[<p>Don't know what a credit score is? Or why it's important? Don't worry, we've got you covered. Dan & Blaize talk credit score 101 - what it is, why it matters and what impacts your rating. </p><p>The Government also announced an additional 10,000 places have been added to the First Home Loan Deposit scheme as of October 6th, 2020. Dan and Blaize discuss what the changes are and how to apply.</p><p>Plus, you'll get to meet Royce, a 21 year old student investor who is doing such a good job of managing his finances that he makes your hosts jealous.</p><p>Want to know more about credit scores?  Check out <a href="https://moneysmart.gov.au/managing-debt/credit-scores-and-credit-reports">MoneySmart</a> for more details.</p><p>For more information about the First Home Loan Deposit Scheme <a href="https://www.nhfic.gov.au/what-we-do/fhlds/">check this out</a>.</p><p>If you'd like to get a full picture of your financial health<a href="https://wemoney.sng.link/D7n27/na4h"> Download the WeMoney app. </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account. </p>
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      <itunes:title>3. Credit Scores, The First Home Loan Deposit Scheme and a Savvy Student Investor.</itunes:title>
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      <itunes:summary>Dan &amp; Blaize take a look at changes to the Australian credit score system, the First Home Loan Deposit Scheme and talk saving &amp; investing with Royce, a 21 year old student Investor.</itunes:summary>
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      <title>2. The Winners and Losers of Australia&apos;s 2020 Federal Budget</title>
      <description><![CDATA[<p>If you're a tax payer, a young person, a parent, an employer, a woman or you care about manufacturing and/or the climate then take a listen to find out how  the Australian 2020 Federal budget will impact you.</p><p>Interested in the effects of Covid-19 on Aussie's mental health? Take a look at the information we mentioned from Black Dog Institute <a href="http://www.blackdoginstitute.org.au/wp-content/uploads/2020/04/20200319_covid19-evidence-and-reccomendations.pdf">here.</a></p><p>Still want to know more about the budget? <a href="https://budget.gov.au/2020-21/content/overview.htm">Take a look at the budget papers released by the government here</a>.</p><p>If you'd like to get a full picture of your financial health <a href="https://wemoney.sng.link/D7n27/na4h">Download the WeMoney app. </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p> </p>
]]></description>
      <pubDate>Fri, 9 Oct 2020 03:16:15 +0000</pubDate>
      <author>hello@wemoney.com.au (Blaize Pengilly, Dan Jovevski)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/the-winners-and-losers-of-australias-2020-federal-budget-lVymvM2P</link>
      <content:encoded><![CDATA[<p>If you're a tax payer, a young person, a parent, an employer, a woman or you care about manufacturing and/or the climate then take a listen to find out how  the Australian 2020 Federal budget will impact you.</p><p>Interested in the effects of Covid-19 on Aussie's mental health? Take a look at the information we mentioned from Black Dog Institute <a href="http://www.blackdoginstitute.org.au/wp-content/uploads/2020/04/20200319_covid19-evidence-and-reccomendations.pdf">here.</a></p><p>Still want to know more about the budget? <a href="https://budget.gov.au/2020-21/content/overview.htm">Take a look at the budget papers released by the government here</a>.</p><p>If you'd like to get a full picture of your financial health <a href="https://wemoney.sng.link/D7n27/na4h">Download the WeMoney app. </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p><p> </p>
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      <itunes:title>2. The Winners and Losers of Australia&apos;s 2020 Federal Budget</itunes:title>
      <itunes:author>Blaize Pengilly, Dan Jovevski</itunes:author>
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      <itunes:duration>00:23:50</itunes:duration>
      <itunes:summary>Following Josh Frydenberg&apos;s announcement on Tuesday 6th October Dan and Blaize take a deep dive into the winners and losers of the Australian federal budget for 2020.</itunes:summary>
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      <title>1. Flex that Hustle Muscle, Buy Now Pay Later &amp; Staying Sane in Covid</title>
      <description><![CDATA[<p>Dan & Blaize explore how Australians’ personal spending habits have changed due to Covid-19. Emily the @aussiedebtfreegirl pops by for a visit to chat all things goal setting and how to make extra dosh with a side hustle and they delve into the war of Credit cards vs. Buy Now Pay Later.</p><p>Check out Emily’s Instagram here: https://instagram.com/aussiedebtfreegirl</p><p>If you'd like to get a full picture of your financial health <a href="https://wemoney.sng.link/D7n27/na4h">Download the WeMoney app. </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p>
]]></description>
      <pubDate>Sun, 4 Oct 2020 09:50:08 +0000</pubDate>
      <author>hello@wemoney.com.au (Dan Jovevski, Blaize Pengilly, The Aussiedebtfreegirl)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/flex-that-hustle-muscle-buy-now-pay-later-staying-sane-in-covid-dFxtEFvB</link>
      <content:encoded><![CDATA[<p>Dan & Blaize explore how Australians’ personal spending habits have changed due to Covid-19. Emily the @aussiedebtfreegirl pops by for a visit to chat all things goal setting and how to make extra dosh with a side hustle and they delve into the war of Credit cards vs. Buy Now Pay Later.</p><p>Check out Emily’s Instagram here: https://instagram.com/aussiedebtfreegirl</p><p>If you'd like to get a full picture of your financial health <a href="https://wemoney.sng.link/D7n27/na4h">Download the WeMoney app. </a>Use the referral code 'PODCAST' when you sign up to receive $5 when you connect a valid financial account.</p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p>
]]></content:encoded>
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      <itunes:title>1. Flex that Hustle Muscle, Buy Now Pay Later &amp; Staying Sane in Covid</itunes:title>
      <itunes:author>Dan Jovevski, Blaize Pengilly, The Aussiedebtfreegirl</itunes:author>
      <itunes:image href="https://image.simplecastcdn.com/images/85d024a9-ac4e-43c0-86d8-462031032518/ed91913f-cc99-4108-b203-184add77cb1f/3000x3000/episode-1.jpg?aid=rss_feed"/>
      <itunes:duration>00:44:03</itunes:duration>
      <itunes:summary>Dan &amp; Blaize talk side hustling with special guest Emily the @aussiedebtfreegirl. They also discuss spending during Covid and how millennials are veering away from credit cards and towards Buy Now Pay Later services.</itunes:summary>
      <itunes:subtitle>Dan &amp; Blaize talk side hustling with special guest Emily the @aussiedebtfreegirl. They also discuss spending during Covid and how millennials are veering away from credit cards and towards Buy Now Pay Later services.</itunes:subtitle>
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      <description><![CDATA[<p>Meet experienced Finance guru Dan Jovevski and media freelancer Blaize Pengilly as they embark on a mission to educate, inspire and empower everyday Australians to take control of their personal finances. </p><p>Dan & Blaize hail from WeMoney.com.au, Australia’s newest <a href="https://wemoney.sng.link/D7n27/na4h">financial wellness app</a>.</p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p>
]]></description>
      <pubDate>Sun, 4 Oct 2020 09:49:52 +0000</pubDate>
      <author>hello@wemoney.com.au (Daniel Jovevski, Blaize Pengilly)</author>
      <link>https://wemoney-wetalkcents.simplecast.com/episodes/introducing-we-talk-cents-CNqyA9EQ</link>
      <content:encoded><![CDATA[<p>Meet experienced Finance guru Dan Jovevski and media freelancer Blaize Pengilly as they embark on a mission to educate, inspire and empower everyday Australians to take control of their personal finances. </p><p>Dan & Blaize hail from WeMoney.com.au, Australia’s newest <a href="https://wemoney.sng.link/D7n27/na4h">financial wellness app</a>.</p><p><strong>Disclaimer</strong></p><p>We Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.</p>
]]></content:encoded>
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      <itunes:title>Introducing We Talk Cents</itunes:title>
      <itunes:author>Daniel Jovevski, Blaize Pengilly</itunes:author>
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      <itunes:summary>Get to know Dan Jovevski and Blaize Pengilly the hosts of your newest Australian personal finance podcast, We Talk Cents. </itunes:summary>
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