Speaker 1: Welcome to How Do They Afford That? The podcast that
Speaker 1: peeks into the financial lives of everyday Australians. I'm Michael Thompson.
Speaker 1: I'm a writer and the co host of the podcast
Speaker 1: Fear and Greed Business News. As always, I'm with financial
Speaker 1: planner Canna Campbell, founder of Sugar Mummer TV, which is
Speaker 1: the financial literacy platform that you will find pretty much
Speaker 1: everywhere YouTube, Instagram, TikTok, threads, books and podcasts like this one.
Speaker 2: Hello Canna, Hello, how are you?
Speaker 1: I am very well? Indeed, thank you? I am. I
Speaker 1: have been observing a trend in recent weeks because it
Speaker 1: is we are still relatively close to the start of
Speaker 1: the year, and so you see people making money resolutions
Speaker 1: or at least the first kind of six weeks of
Speaker 1: the year, and one that I've seen a few times now,
Speaker 1: it just keeps popping up. Maybe the algorithm has kind
Speaker 1: of picked me as very susceptible to this, people committing
Speaker 1: to a no by year or a no spend year.
Speaker 1: So my questions for you today, Kenna, why would anybody
Speaker 1: do this? How would they do this? Is it even
Speaker 1: possible to go a full year without spending? Within reason? Obviously?
Speaker 1: I know that's going to be exceptions to the rule.
Speaker 1: Let's jump into it. What exactly is a no by year?
Speaker 1: How does it actually work in practice?
Speaker 2: Okay, A no by year is a personal financial challenge
Speaker 2: where you commit to avoiding non essential spending for an
Speaker 2: entire year. So it's really about going to heart of
Speaker 2: what a need is versus a wanton stripping back to
Speaker 2: the basics of life to help you save money, preserve
Speaker 2: money even and just learly recalibrate your spending habits.
Speaker 1: I saw recently some really alarming stats about how much
Speaker 1: Australians spend, and in particular clothing.
Speaker 2: Black Friday sales. I think we spent seven point three
Speaker 2: billion dollars.
Speaker 1: This is extraordinary. And on the clothing front, Australians by
Speaker 1: fifty six pieces of clothing per year on average. That
Speaker 1: is more than anyone else in the world.
Speaker 2: Isn't that disturbing?
Speaker 1: I am amazed. And obviously that's kind of an average,
Speaker 1: and I know that I would be well below that.
Speaker 1: So I can only imagine.
Speaker 2: Two flannies, two striped shirts and a black T shirt.
Speaker 2: Oh and a khaki one that you're wearing today. That's new.
Speaker 2: I haven't seen that one within it.
Speaker 1: No, it is very old. Thank you, I have. So
Speaker 1: I've pretty much committed to my own no by life. Basically,
Speaker 1: I'm just going to re I'm going to rewear these
Speaker 1: until they actually disintegrate on me. So I'm already there.
Speaker 1: But that isn't that alarming? Fifty six pieces of clothing
Speaker 1: purchased per year on average in Australia, So you can
Speaker 1: see why you don't come across kind of anti consumerist.
Speaker 1: But really that is there's got to be something wrong.
Speaker 2: There's a great documentary actually that's worth watching called by Now,
Speaker 2: which I made my son Rocco sit and watch with me,
Speaker 2: which touches on obviously clothing and electronic goods, but it
Speaker 2: is fascinating, which if you want to learn more about
Speaker 2: how we spend.
Speaker 1: So I was just like you just stop listening to.
Speaker 2: Me by Now.
Speaker 1: I was writing it down. There is a difference between
Speaker 1: not listening and taking notes, and I was writing down
Speaker 1: by Now and I was just there pondering, going, I
Speaker 1: wonder if that's by b U Y or b Y. Yeah,
Speaker 1: I'm assuming it is now Netflix. Okay, So is that
Speaker 1: why people then are drawn to these challenges? Why do
Speaker 1: you think it is Is it because that we almost
Speaker 1: just get overwhelmed by the amount we are spending, by
Speaker 1: the amount of stuff that we are accumulating. Is this
Speaker 1: a spending thing or is it a lifestyle thing trying
Speaker 1: to get more towards a minimalist kind of lifestyle and
Speaker 1: attaching the spending mindset to that.
Speaker 2: I think there are two key reasons, and obviously everyone's different,
Speaker 2: but these challenges appeal to people because they address a
Speaker 2: universal truth. You know, deep down, most of us know
Speaker 2: that we are overspending, even if it's not intentional. So
Speaker 2: if you take something like a no by challenge, it
Speaker 2: gives us this really concrete structure to try and work within,
Speaker 2: and gives us some accountability and also allows us to
Speaker 2: kind of reset our financial habits as well as, you know,
Speaker 2: just have something to sort of sink our teeth in
Speaker 2: and focus on if we haven't necessarily come up with
Speaker 2: any New Year's resolutions as yet. But also I think
Speaker 2: there's definitely a really strong psychological element, because people are
Speaker 2: intrigued by the idea of breaking free from consumerism and
Speaker 2: seeing actually how much little they can really live on,
Speaker 2: and they're really curious to see what they might learn
Speaker 2: and discover about themselves by doing a challenge like this
Speaker 2: or something very simla. So at the end of the
Speaker 2: day where you whatever reason you're doing for, it's definitely
Speaker 2: empowering to take control of your finances and see how
Speaker 2: you can go with this in a definitive way. And
Speaker 2: it also creates a sense of achievement if you are
Speaker 2: able to pull off this challenge. I mean this one
Speaker 2: we're talking about a year challenge is fairly substantial amount
Speaker 2: of time.
Speaker 1: And I suppose you can always kind of start with
Speaker 1: a no by a month or something like that, right
Speaker 1: weekend for February, frugal February, that kind of thing. But
Speaker 1: the rules around this, I like structure, I like some rules.
Speaker 1: Can you please set some rules here for me? Can
Speaker 1: I Is it just you don't buy anything that is
Speaker 1: non essential. You can still buy food, food, you can
Speaker 1: still buy medicine, I would hope.
Speaker 2: So, ok, right, looking really, but obviously you look at
Speaker 2: that Maslow hierarchy all needs you go with the essential.
Speaker 2: So you know, shelter, accommodation, food, clothing, healthcare, you know,
Speaker 2: you start with that.
Speaker 1: But clothing though that.
Speaker 2: What things you're naked, I mean not clothing like you know,
Speaker 2: a luxury designer wardrobe. I'm talking clothing, like, let's not
Speaker 2: just cover ourselves up.
Speaker 1: Yeah, clothing is probably one that kind of straddles this
Speaker 1: because you need you do need it to be to
Speaker 1: get by.
Speaker 2: Okay, let me rearticulate that at least underpants like underwear.
Speaker 1: If you just had a minimum dress code for the studio,
Speaker 1: so one must wear underwear and the rest of it.
Speaker 1: If you're in a no bio, just go for it.
Speaker 1: Goodness me, that is a confronting thought. So anything else though,
Speaker 1: gets just struck off. So we're talking that you wouldn't
Speaker 1: buy takeaway. You wouldn't buy a takeaway coffee for instance.
Speaker 2: All right, okay, so to do this realistically, you've really
Speaker 2: got to challenge this will tailor this to your unique circumstances.
Speaker 2: So look at what your spending is like, and what
Speaker 2: you classes and essential versus are non essential, and then
Speaker 2: you can work out your own rules. You know, this
Speaker 2: is not a hard and fast way of doing You know,
Speaker 2: everyone is different and people in different stages of their lives.
Speaker 2: So for example, you know a young family like you
Speaker 2: and I, this is going to be a lot harder
Speaker 2: because we have you know, kids' activities that we need
Speaker 2: to do and be a part of. And you know,
Speaker 2: a child's not going to understand, sorry, we can't buy
Speaker 2: Jimmy a birthday present even though you're going to his party,
Speaker 2: because we're doing this no spend yere like.
Speaker 1: We'll just send them some best wishes kids love that.
Speaker 2: Make them a card. So that's going to be a
Speaker 2: lot harder for younger families. So you would make maybe
Speaker 2: the rules a little bit more relaxed, whereas say singles
Speaker 2: living at home. If you're lucky enough, you know you
Speaker 2: might be able to be able to do this realistically
Speaker 2: and go fairly aggressively. And I believe you know, the
Speaker 2: person who wrote that story for the Sydney Morning Heralds
Speaker 2: that you know is someone who's I think you know
Speaker 2: single independent person that was has that ability to make
Speaker 2: those changes quite easily and doesn't have those financial obligations
Speaker 2: necessarily on their shoulders. And then if you look at
Speaker 2: someone like who's are self funder retiree, you know they
Speaker 2: could cut back on things, you know, the luxuries of retirements,
Speaker 2: such as you traveling as much or going out like
Speaker 2: certain hobbies that are quite expensive. So everyone is in
Speaker 2: a different situation. You've got to kind of create your
Speaker 2: own rules and find that healthy strike of balance between
Speaker 2: something that's challenging enough but also realistic so that you
Speaker 2: can actually stick to it and go the distance with it.
Speaker 1: Okay, so we would be realistically looking at things like
Speaker 1: excess clothes, clothes just for the sake of buying them,
Speaker 1: as opposed to kind of the essentials, buying your underwear,
Speaker 1: buying your shoes, that kind of thing that you actually
Speaker 1: need to get around. You probably need more than just
Speaker 1: undies and shoes, shoes to go to work, but anyway,
Speaker 1: take away food, those kinds of things. Those are pretty
Speaker 1: kind of clearly defined as discretionary spending items and entertainment,
Speaker 1: not going to the movies or not going to a
Speaker 1: concert or things like that, which would be tough to
Speaker 1: do for a lot of people, but they are things
Speaker 1: that you could. You would get quite a good feeling
Speaker 1: from not doing those because I'm depriving myself, but I'm
Speaker 1: doing it for a good cause.
Speaker 2: But also you need to understand and respect where you
Speaker 2: come from. So someone who has you know, spent, has
Speaker 2: a spending problem, a shopping problem, for example, and just
Speaker 2: buys all the time, then cutting it down to one
Speaker 2: item per month is a huge transformation, whereas for someone
Speaker 2: else that one item per month is still excessive and unnecessary. So,
Speaker 2: you know, be kind to yourself. This is about you know, progress,
Speaker 2: not perfection.
Speaker 1: Okay, all right. The big benefit of doing it is
Speaker 1: it it is a spending reset, really, isn't it. If
Speaker 1: you were to do it, even if you're not successful,
Speaker 1: not one hundred percent successful, it would make you stop
Speaker 1: and take stock of what you are spending. Right.
Speaker 2: Oh, the awareness it creates could be very powerful and
Speaker 2: something that you could use to reset your financial habits
Speaker 2: that take you through the rest of your life. You know,
Speaker 2: there's a lot to be learned from doing these types
Speaker 2: of challenges, and not even necessarily a you know, no spend,
Speaker 2: no buy challenge. Even you know, I did a recently
Speaker 2: a seven day mortgage challenge. I did my own Sugar
Speaker 2: Mama ten day financial Reset challenge. I learned so much
Speaker 2: about myself. So there's lots of non non tangible things
Speaker 2: that come from doing these particular challenges. But you know,
Speaker 2: at the end of the day, the key benefits, I
Speaker 2: would say are obviously number one. Obviously, you know you're
Speaker 2: financial you might be protecting your savings, growing your savings,
Speaker 2: or even accelerating your financial journey, because that money that
Speaker 2: you've managed to save can then go towards some of
Speaker 2: your financial goals, such as paying off debt, or building
Speaker 2: up your emergency money or investing. So you know, if
Speaker 2: you can make sure that those savings at the end
Speaker 2: of the year are there, you can quarantine them and
Speaker 2: actually look at that bank account and go, wow, this
Speaker 2: is how much I was able to save from doing
Speaker 2: this challenge. Great, don't go then blow it on something
Speaker 2: some stuff. Use that for your financial wellbeing. And then,
Speaker 2: obviously the psychological benefit, which I think is the most
Speaker 2: beautiful and powerful one, is gaining that deep understanding and
Speaker 2: awareness of how you spend money, and you know why
Speaker 2: you spend money, what are your triggers, what are the
Speaker 2: emotional impulses that go on for you to go and
Speaker 2: have a reckless shopping expedition or blow a whole pile
Speaker 2: of money on something that you don't actually value. So
Speaker 2: you know, this can actually allow you to become incredibly
Speaker 2: intentional with your money. You're looking at me like you
Speaker 2: just did a whole blow of crap or that's actually.
Speaker 1: Really interesting now I was actually thinking about what you
Speaker 1: said about eight minutes ago about the limited number of
Speaker 1: clothes that I bring in. It is because you lectured
Speaker 1: me eighteen months ago now on the importance of using
Speaker 1: a capsule wardrobe, and I took your words to heart.
Speaker 1: That's rubbish.
Speaker 2: You had a capsual wardrobe before we met, and god,
Speaker 2: it couple the bull over my eyes.
Speaker 1: But now I have a name to attach to it.
Speaker 1: It's a capsule wardrobe and KNA told me to do it,
Speaker 1: So therefore I'm allowed to just wear the same kind
Speaker 1: of two or three shirts and the same kind of
Speaker 1: three pants and two pairs of shoes.
Speaker 2: You are all right, I'll give you that.
Speaker 1: Thank you. It is a sound financial decision.
Speaker 2: All right.
Speaker 1: We're going to take a quick break, and when we
Speaker 1: come back, I want to find out kind who a
Speaker 1: challenge like this is most suited to, who would benefit
Speaker 1: most from it, and also how to overcome some of
Speaker 1: the challenges that you would have in not just committing
Speaker 1: to it, but sticking to it for any period of time.
Speaker 1: So we've still got a bit to couple. We'll be
Speaker 1: back in a moment. Can we are talking today about
Speaker 1: a no buy year or a no spend year where
Speaker 1: you commit to not spending money on non essential things
Speaker 1: really across the course of a year, and the fact
Speaker 1: that it is really a spending reset for a lot
Speaker 1: of people. But who is this most suited to. Are
Speaker 1: we talking about people that might have a bit of
Speaker 1: a spending problem and have identified themselves as being perhaps
Speaker 1: a little bit too willing to indulge in kind of
Speaker 1: impulse buys, or is it perhaps households might be living
Speaker 1: kind of paycheck to paycheck and want to go, Okay,
Speaker 1: we need to reset here. We need to find where
Speaker 1: there is a bit of room in the budget. Let's
Speaker 1: commit to this challenge.
Speaker 2: I think to answer your question both O you know,
Speaker 2: anyone that knows they need to do something about the
Speaker 2: way that they engage with money and use money and
Speaker 2: to a certain degree abuse money. You know, I don't
Speaker 2: say that with any judgment. You know, something like this
Speaker 2: in a gentle way could be really beneficial because essentially.
Speaker 1: It's a detox.
Speaker 2: Then I would say anyone who's curious, you know, anyone
Speaker 2: who thinks, you know what, this could be really helpful
Speaker 2: for us in you know, getting ready ready of any waste,
Speaker 2: any creating any awareness as to have triggers for spending
Speaker 2: money and blowing money, and you know, allowing us to
Speaker 2: maybe save up a lot of money that we can
Speaker 2: then use to catch up maybe for previous lost time
Speaker 2: with their financial journey. So yeah, I would say if
Speaker 2: you've got a problem and you want to address it,
Speaker 2: and you're willing to do the work and face the music,
Speaker 2: and for anyone that's curious as to not just the
Speaker 2: financial benefit but also the mindfulness and the psychological benefits
Speaker 2: from doing this. Because I've done this not a full year,
Speaker 2: but obviously I've done Frugal February I think nine years
Speaker 2: in a row, maybe ten.
Speaker 1: That's a lot.
Speaker 2: And every time I do it, I learned something new
Speaker 2: about myself and it definitely keeps me in check when
Speaker 2: it covered for the rest of the year.
Speaker 1: One of the big challenges though, would have to be motivation, right,
Speaker 1: because like anything that's a bit of a trend for instance,
Speaker 1: or anything that you can start strong with something like this,
Speaker 1: you go, yep, committing to a no by year. You
Speaker 1: often see it with people when they get like a
Speaker 1: like a fitbit or something like that, right, and they
Speaker 1: go and I'm monitoring my steps and I'm going to
Speaker 1: hit my ten thousand steps every day, and they do
Speaker 1: it every single day for the first week, and then
Speaker 1: it just drops off and they're at eight thousand, and
Speaker 1: then all of a sudden, three weeks later, it's just
Speaker 1: kind of sitting on the couch again. It feels like
Speaker 1: the same kind of thing that you would hit this
Speaker 1: really hard. I'm doing a no by year. You'd plaster
Speaker 1: it all over social media and within a month you're
Speaker 1: kind of heading out to dinner at restaurants and things
Speaker 1: like that. Forgot about it, yeah indeed, and suddenly it's
Speaker 1: just kind of well, I'm just going to go back
Speaker 1: and delete that post I made about it on Instagram.
Speaker 1: How do you stay motivated for the full year?
Speaker 2: Look, I have my questions about how sustainable this is.
Speaker 2: But to anyone who's thinking of doing this or has
Speaker 2: already started doing this, make sure you've put a goal
Speaker 2: a goal, oh yeah, you know, so that you know
Speaker 2: exactly why you're doing this. You know, for some people
Speaker 2: who might be like saving up a deposit to buy
Speaker 2: their first home. For some people, it might be about
Speaker 2: clearing toxic debt. For some people, it might be about
Speaker 2: paying for an amazing holiday overseas. Traveling for five months.
Speaker 2: Know your why because you have that why is linked
Speaker 2: to that goal, and the goal is something that you
Speaker 2: can see and you can track your progress along the
Speaker 2: way and know that you know what the hard work
Speaker 2: is paying off. It's getting without making progress.
Speaker 1: You're tying it to something positive, then aren't you rather
Speaker 1: than just doing something which is even the name of
Speaker 1: it is negative. No by year like, there's negativity attached
Speaker 1: to this right from the start. But if you're tying
Speaker 1: it to something positive, like a like a savings goal
Speaker 1: or a trip or something like that, then it flips it.
Speaker 2: This isn't about punishing yourself. You can't go into this
Speaker 2: challenge with that mindset. This is about like sacrificing and punishment,
Speaker 2: and you know it's a way of undoing your sense
Speaker 2: of self worth to rebuild yourself. You can't look at
Speaker 2: like that. This is it is a challenge to help
Speaker 2: improve your financial situation. It's a challenge to help improve
Speaker 2: your the psychology around money and your money mindset. It's
Speaker 2: a positive thing. It's exciting. It's called a challenge for
Speaker 2: a reason.
Speaker 1: Are you alarmed at how easily now I talk about
Speaker 1: money mindsets and positivity and the negativity attached to the language.
Speaker 1: I think there's a very real chance that I'm in
Speaker 1: fact turning into you.
Speaker 2: I sometimes think I am turning into you. So this
Speaker 2: is really concerning.
Speaker 1: So it's a really scary thought. The hybrid of where
Speaker 1: we would meet in the middle just oh, very unpleasant.
Speaker 1: It's extreme, isn't it? Not the hybrid of you and I?
Speaker 1: But the idea of going without spending for a full year,
Speaker 1: is there kind of smaller steps that we can take.
Speaker 1: And I mentioned before the idea of maybe trying it
Speaker 1: out for a month or something. Is that the way
Speaker 1: to go to kind of ease into it, Because you
Speaker 1: wouldn't recommend someone if they've got a bad habit. It's
Speaker 1: not necessarily the most effective way. Just to say cut
Speaker 1: it out entirely. Going cold turkey is not necessarily going
Speaker 1: to be the most effective way to get rid of it.
Speaker 1: You've got to be realistic about the way you're doing this.
Speaker 2: Absolutely, and I'll say this, most households right now are
Speaker 2: living like this. Yeah, they are tightening the belt. They're
Speaker 2: saying no, they're going without. They're looking to save They've
Speaker 2: cut all those non essentials eight years ago from you
Speaker 2: know when interest rates started going up in the rising
Speaker 2: cost of living. So a lot of people at you
Speaker 2: doing this already, So this is not the right challenge
Speaker 2: to them because they're they're living and breathing it every
Speaker 2: single day. So if someone wants to do this, what
Speaker 2: I recommend is bursts and spurts. Lean into it. So
Speaker 2: you would say, okay, well, let's do for each month,
Speaker 2: let's do one week or one weekend where we do
Speaker 2: a no spend. I will say on the other side
Speaker 2: of that, though, don't then go and save a whole
Speaker 2: pile of money one weekend or one week to then
Speaker 2: you know, celebrate with a sort of rebel back, which
Speaker 2: is actually was a problem for me with Frugal February.
Speaker 2: I would be so bitter and angry by the end
Speaker 2: of Frugal February and sur fill with resentment. I'd then
Speaker 2: kind of just this bad girl would come out of
Speaker 2: me in massive It's free, So you know that's not
Speaker 2: the purpose behind is that, don't even bother wasting your
Speaker 2: time and energy doing something like this if you go
Speaker 2: into rebel like I used to, but you know, so
Speaker 2: lean into it to do a short shop burst, do
Speaker 2: a ten day challenge, do it, you know, weekend, Try
Speaker 2: a month, maybe try three months if you want. And
Speaker 2: as you get better and better and understand how to
Speaker 2: do this that suits you and your circumstances, the people
Speaker 2: around you, and you can keep going with it.
Speaker 1: One last question, actually probably two more. I don't like
Speaker 1: to limit myself, but this has the potential to affect relationships,
Speaker 1: doesn't it. It has the potential to kind of impact
Speaker 1: the relationship you might have with your friends, your social activities.
Speaker 1: If suddenly all your friends are going out for a
Speaker 1: drink after work or something and saying no, I can't,
Speaker 1: I'm doing a no. By year, you have the potential
Speaker 1: to suddenly end up a not only yeah, it'll be
Speaker 1: a Nigel by the end of the year.
Speaker 2: I no offense to anyone called Nigel.
Speaker 1: Of course, I don't think that's really used anymore. The
Speaker 1: Nigel no friends, No, I hope not for Nigel's sake.
Speaker 1: If we have any Nigels listening, please get in touch
Speaker 1: and let us know whether you have friends, and let.
Speaker 2: Us know that we please know that we're not offending you,
Speaker 2: mocking you for your name. More importantly, sorry, I bit
Speaker 2: of sensitivity here, Sorry, Nige. Go on, look, I will
Speaker 2: say this. When I first did Frugal February, I found
Speaker 2: it really and I had to learn quickly how to
Speaker 2: do frugal February, probably because I had that problem. You know,
Speaker 2: Tom would be going, let's go out for dinner. You know,
Speaker 2: everyone's going out for dinner together at this restaurant next week,
Speaker 2: and I'd have to say, I can't. I'm doing Frugal February,
Speaker 2: and so I wouldn't go. So I had to start
Speaker 2: being really careful with doing Frugal February and not let
Speaker 2: it be detrimental to my mental health. So I would
Speaker 2: actually let people know what I was doing. And by
Speaker 2: telling people upfront, hey, I'm about to start doing Frugal February,
Speaker 2: I would love to see you, but I'm sort of
Speaker 2: restricted at the moment because I really am honoring this
Speaker 2: tradition and this particular challenge. Then I would give people
Speaker 2: the opportunity of time to actually then come up with
Speaker 2: something else that would actually work where I could actually
Speaker 2: join in. Also, I encouraged as many people as possible
Speaker 2: to try and do Frugal February with me. And it's
Speaker 2: funny some of my friends would actually say to me, Hey,
Speaker 2: we're thinking all going out to lunch, but we know
Speaker 2: you're doing Frugal February, so how about we do this
Speaker 2: instead to try and support you. So it was actually
Speaker 2: really nice. You know, you do need to be aware
Speaker 2: that some people are going to find it really annoying
Speaker 2: and irritating that you're doing a challenge like this, and
Speaker 2: so be it. That's their problem, not yours. But you
Speaker 2: need to understand that you have to It works both ways.
Speaker 2: So you'd suggest maybe doing going for a walk together
Speaker 2: or having coffee, or you know, having a friend over
Speaker 2: for breakfast instead of going out for breakfast or doing
Speaker 2: a gym workout together. You know, you've got to kind
Speaker 2: of let people know what you're doing and why. You know,
Speaker 2: if you and share something important to you, if you
Speaker 2: feel safe with that person, but then find other ways
Speaker 2: to make sure that you keep connections with people so
Speaker 2: that you have that you know, mental health is strong
Speaker 2: to be able to go the distance and do this
Speaker 2: in a sustainable way. All right.
Speaker 1: At the very beginning of the show, I asked you
Speaker 1: one question that you will now need to answer. Is
Speaker 1: it possible to go a full year without spending?
Speaker 2: Yes, but success depends on preparation. And your mindset going
Speaker 2: into this. So you've got to create a realistic framework.
Speaker 2: You've got to have very clear, pre agreed rules and exceptions.
Speaker 2: You've got to have rewards, and I'd even recommend having
Speaker 2: rewards along the way, like little rewards to help you
Speaker 2: keep going. And of course, you know, had that big
Speaker 2: goal at the end, and don't just focus on the money,
Speaker 2: but focus on the lessons and the personal growth that
Speaker 2: goes on behind the scenes. And that's why, you know,
Speaker 2: I think the person who wrote that story in the paper,
Speaker 2: I think she was journaling along whilst doing this, which
Speaker 2: I think is a really smart idea. And if you
Speaker 2: really want to do this, know that even if you
Speaker 2: do this only fifty percent of the time, that's incredible.
Speaker 2: You know you can fail fifty percent and still have
Speaker 2: amazing like get insights and wisdom gained from doing this.
Speaker 1: I think you've just summarized it better than I could.
Speaker 1: That's that's a really good kind of wrap of how
Speaker 1: that's the.
Speaker 2: Nicest thing you've ever said to me, because I always
Speaker 2: think you summarize our pod episodes brilliantly.
Speaker 1: So rather chuffed, how about this. We're ending on such
Speaker 1: a positive note. After you kind of sledged me about
Speaker 1: my clothes. I gave it to a good old night
Speaker 1: Jill for having no friends, various things. If people want
Speaker 1: more information from you, where do they find you?
Speaker 2: Always at Sugar Mama TV and of course Canna Campbell
Speaker 2: Official and.
Speaker 1: You can hear me every day with Sean Aylmer on
Speaker 1: Fear and Greed, daily business news for people who make
Speaker 1: their own decisions. Thank you very much for listening to
Speaker 1: how do they afford that? Remember? Please hit follow on
Speaker 1: the podcast And the best thing you can actually do
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