Info

Mo' Money Podcast | Personal Finance with Jessica Moorhouse

Millennial money expert, Accredited Financial Counsellor Canada® and podcast host Jessica Moorhouse interviews top personal finance & business experts (John Lee Dumas, Chris Guillebeau, Bruce Sellery, Preet Banerjee), celebrities (Perez Hilton, Scott McGillivray, Farrah Abraham), as well as inspirational entrepreneurs, authors, bloggers, friends and family to help you learn how to manage your money better, make smarter choices, earn more money, become debt-free and live a more fulfilled and balanced life. New episodes air every Wednesday. For helpful resources, blog posts and podcast episode show notes, visit jessicamoorhouse.com. To enquire about being a guest on a future episode, visit jessicamoorhouse.com/podcastsubmissions.
RSS Feed Subscribe in Apple Podcasts
Mo' Money Podcast | Personal Finance with Jessica Moorhouse
2018
November
October
September
June
May
April
March
February
January


2017
December
November
October
September
June
May
April
March
February
January


2016
December
November
October
September
June
May
April
March
February
January


2015
December
November
October
September
August
July
June


All Episodes
Archives
Now displaying: Page 6
Jun 22, 2016

For this special episode of the Mo' Money Podcast, I interview my younger sister Sarah about what it feels like to have just graduated university, how she managed her money during school and was able to avoid getting into student debt, and what her plans are now that she's a post-grad in the "real world." I also offer some helpful tips on things I learned when I was in my sister's shoes, like how best to search for a job, how much money to have saved up before moving out and how to keep focused without sweating the small stuff.

Jun 1, 2016

In the final episode for season 2 of the Mo' Money Podcast, I do a special solo show to reflect on the 30 biggest lessons I've learned over the course of my 30 years on Earth in terms of money, life and balance.

Long episode description:

This episode of the Mo’ Money Podcast is brought to you by Lowest Rates, who are providing $250 for today’s giveaway! To find the lowest rates when it comes to mortgages, insurance and credit cards visit LowestRates.ca.

Today is a pretty big day for me. It’s my one year anniversary of the Mo’ Money Podcast (with 52 episodes in the frickin’ can!), it’s the end of season 2 of my podcast (season 3 to resume in September), and this week is my birthday week. I officially turn 30 on Saturday, but in my mind my birthday lasts a full week. 

Now, this very special solo podcast episode is based on my blog post about the 30 life lessons I’ve learned before turning 30. I thought it would be cool to not just write about this, but also to explain what I’m talking about verbally. Honestly, as much as I love to blog (I mean I’ve been at it for 4 1/2 years now), I really do feel more myself when podcasting. Maybe it’s because there’s no real room to over think things and I can just say exactly what’s on my mind freely. In any case, I think I might do a few more of these blog posts turned podcast episodes in the future. Plus I realized I really miss doing solo shows.

Shownotes: jessicamoorhouse.com/52

May 25, 2016

The one and only Gail Vaz-Oxlade and I chat about her career as a personal finance guru, TV host and best-selling author. She also shares her top money tips for getting rid of debt, kicking bad financial habits to the curb and leading a more balanced life.

Long episode description:

This episode of the Mo’ Money Podcast is brought to you byWealthSimple. To learn more about the the fastest-growing automated investing service in Canada and to get your special $50 bonus when you open a new WealthSimple account, go to: wealthsimple.com/jessicamoorhouse.

Before I even recorded my first podcast episode almost a year ago, there was one guest I always dreamed of interviewing. At the time I thought it was just that, a dream, but one year and 51 episodes later it’s now a reality!

I’ve been a huge fan of Gail Vaz-Oxlade for years. I obsessively watched Til Debt Do Us Part when I was 24, broke and living in a basement with two equally broke roommates. It was her say-it-like-it-is attitude and helpful advice that motivated me to save as much as I could and stick to a budget during those tough years. I am so thankful for her show and books, and I know I wouldn’t be as financially on track today if it weren’t for her.

I am also thankful that I got the gumption to ask her to be on my podcast early this year, because I think I got her right in the nick of time! Gail has had a long and successful career as a money guru, and she mentions in this episode, she’s going to be taking a step back to focus on other opportunities.

I hope you love this episode as much as I do! And I ardently encourage you to check out some of her helpful resources, her awesome books (Money Talks is a great read!), and join her community on Facebook. And make sure to check back here next week (or subscribe to my email list) for my final episode of the season where I’ll be doing a special solo episode and giving away some prizes to mark my one year podcast anniversary!

Helpful Resources & Tools

Gail’s Books You Need to Read Right Now

Follow Gail on Social

Shownotes: jessicamoorhouse.com/51

May 18, 2016

For this episode, I interview my grandma Audrey, my dad's mom. She has an incredible story, though she may disagree with me. Sometimes it's hard to realize how much stuff you've accomplished and experienced when it's your life, but that's why I love having this podcast. Not only did my grandma immigrate from Scotland to Canada in the 1950s and start a new life with her young family in her early 20s, she was also a teacher for her entire career and was able to save enough to retire at 62. I've never really heard her story from her before this episode, so it was a real treat talking with her, I hope you enjoy it too!

Long episode description:

My grandma Audrey grew up in Insch, Scotland, a village located outside the city of Aberdeen. Growing up as a woman during that time, there weren’t as many options for work as there are now, but my grandma followed her passion and had a long career as a school teacher. Both my grandmas were teachers funnily enough.

When she was in her early 20s, she got married, had my dad (Derek), and moved with her young family to Vancouver, BC, Canada. They bought a house and she was able to find a teaching job fairly quickly, two things that are near impossible nowadays. Seriously, if she had kept her house in Vancouver all this time, it would be worth millions!

After a few years in Vancouver, they moved to Terrace, BC, and my grandma continues to live there along with my aunt (my dad’s younger sister) and my two cousins. My grandma has been living the retired life for the past few decades and now spends her time gardening and painting water colours. She painted this lovely postcard-sized painting of the BC coast for me before I moved to Toronto, I still have it in a frame in my living room (thanks grandma!).

This episode is the first time I’ve ever heard my grandma’s story from her herself. Over the years I’d hear things from my dad, but one of the great things about having a podcast is it gives me a reason to sit down with people and let them share their story with me. I am so grateful my grandma let me interview her, and I definitely plan on interviewing a few more family members soon too! Sometimes it’s the people closest to you who have gone through the most incredible things. Maybe this episode will inspire you to pick up the phone or email one of your family members so you can hear their story. Who knows, maybe you’ll learn something!

Shownotes: jessicamoorhouse.com/50

May 11, 2016

I talk with licensed insolvency trustee Doug Hoyes about the key things everyone should know about debt and bankruptcy.

Long episode description:

I haven’t personally had much experience with debt, having only had a very small student loan to pay off after university (which I was able to crush in less than a year), but the fact is I’m the exception not the rule. Most households have debt, and so I wanted to make sure I did a podcast episode all about it. 

I’ve known Doug Hoyes for a little while as I’ve been a guest on his podcast Debt Free in 30 a few times. He is seriously the nicest guy, and also incredibly knowledgeable when it comes to the world of bankruptcy and insolvency (two very hard words to say if you’re me, apparently!).

In this episode, we go through the basics of debt and bankruptcy, such as the difference between secured and unsecured debt and what a consumer proposal is and then Doug shares some of his tips on what you can do now to avoid going into bankruptcy.

Doug brought up a really good point in the show – you can either look at life and say it’s all about choices, or look at it and say it’s all about circumstance. The reality is life is about choice and circumstance, but I think no matter what your circumstances are, you can always make the choice to better yourself, change courses and rid yourself of debt once and for all.

Like I told Doug, I’ve been debt-free for years and there is seriously no better feeling. If you’re still on your journey to be debt-free, I commend you for your hard work and promise you that life after debt is the best kind of life you could lead.

Helpful Resources & Books

My Favourite Debt Free in 30 Podcast Episodes

Follow Doug on Social

Shownotes: jessicamoorhouse.com/49

May 4, 2016

Jen Hemphill is proof that if there's a will, there's a way to balance family, money and career. Being an army wife isn't easy, especially when you have to move around the country with your family every few years. Most people with spouses in the military have a hard time maintaining a career living this lifestyle, but Jen found a way to have a career, help support her family financially and educate others about the importance of personal finance by starting her own money coaching business. In this episode she shares her story of growing up as a latch-key kid from a humble family, and how that influenced her to be a dedicated stay-at-home mom while pursuing her ambitions to be an entrepreneur who could help other women take control of their finances too.

Long episode description:

Jen Hemphill is an entrepreneur, money coach, mother and army wife, and in this episode of the Mo’ Money Podcast she chatted with me about how she started her own business while juggling the family finances and being a full-time stay-at-home mom. 

I often wondered how people like Jen did it. It’s not easy having to move around the country for your partner’s job, having to start a new life in a new town every few years. I’ve only moved cities once, and honestly, once might just be enough for me! Not only that, being married to someone in the military can mean giving up your career to support your partner’s career. That is not an easy thing to do, though as Jen shares in this episode, it’s not the only option.

Jen figured out a way to have a career that melded perfectly with her life. She started her own business that she could take with her anywhere by being a money coach online. Not only that, she’s really good at what she does! She is just so passionate about helping people, especially women, take control of their finances and set themselves up for a better future, it was incredibly inspiring talking to her.

On top of being a money coach, Jen also has her own podcast and continually makes new resources to help teach others about personal finance. I’ve listed a few resources below, plus my favourite podcast episodes of her’s. Lastly, she also a Facebook group for women who want to take ownership of their financial lives, so if you’re looking for a community that fits this bill, make sure to join!

Helpful Resources & Books

My Favourite Her Money Matters Podcast Episodes

Follow Jennifer on Social

Shownotes: jessicamoorhouse.com/48x

Apr 27, 2016

I talk with Brad Baldridge, college funding consultant and blogger and podcast host of Taming the High Cost of College. It's almost impossible to get a good job without higher education these days, but many people are getting into more debt than they can handle by going to college unprepared. Brad shares his tips on how to be smart with your money, how far in advance you should plan for the costs of college, how you can get free money to pay for tuition and how you can save even more come tax time.

Long episode description:

We all know that gone are the days when you can graduate with a high school diploma and get a good paying job. If you don’t further your education after high school, your opportunities are very limited when it comes to career advancement. Then again, that doesn’t mean you should go to university and resign yourself to a post-grad life with $50,000 in student loans hanging over your head. 

To set yourself up for a successful career, you need to get a higher education, either at technical college or university, and you need to be smart with your money at the same time. That’s what college funding consultant Brad Baldridgeshares as my guest on this podcast episode, and he has a wealth of knowledge when it comes to helping parents and their kids figure out a plan to afford post-secondary education.

Brad shares a number of great tips in this episode, but to summarize just a few of them, here are the 5 most important things to you can do to avoid getting into heaps of student debt and save money on tuition:

  1. If you can, start saving for post-secondary education as soon as possible. If you’re a parent, start putting money away when your kids are still kids. If you’re a student and plan on putting yourself through school, get a part-time job as soon as you can work and be very diligent with saving every dollar you can (it worked for me!).
  2. Don’t assume you aren’t eligible for financial aid. It really does depend on a number of circumstances, so don’t assume but find out for sure if you are or aren’t eligible.
  3. Give yourself a year to apply for scholarships, and be strategic. Don’t just apply to every scholarship under the sun. Pick the ones that suit you the best and put your effort into a really stellar application. You may be surprised by the result!
  4. You may not think you can afford a “name brand” or ivy league school, but you might be wrong. A lot of these schools offer substantial financial aid and you might be able to get a huge discount on tuition.
  5. Tax time is a great time, because that’s when you can take advantage of a number of tax credits and get some of your money back. Not only are there tax credits for tuition, but student loan interest is also tax deductible.

Helpful Resources & Books

My Favourite Taming the High Cost of College Podcast Episodes

Follow Brad on Social

Shownotes: jessicamoorhouse.com/47

Apr 20, 2016

Todd Tresidder from Financial Mentor and I talk about how he was able to retire from his career as a hedge fund manager at early age of 35. But he didn't just put up his legs and relax once he retired, he put his energy into growing a money coaching business from scratch so he could other people find financial freedom just like he was able to.

Long episode description:

Todd Tresidder from Financial Mentor is a numbers guy. It helped him craft a successful career as a hedge fund manager, as well as figure out a way to retire at the ripe age of 35. But his plan wasn’t to just save up a bunch of money and spend the rest of his days on the beach sipping margaritas. Financial freedom to him meant he could finally spend his time doing something he loved. 

What I really enjoyed about talking with Todd was that he was just as open about his failures as he was about his successes. Although society tells us we are to aim for perfection and failure isn’t an option, in reality failure is natural and a big part of succeeding. If we didn’t fail, how would we know what not to do?

That’s a big component of Todd’s story. He started his website back in the 90s when you had to hard code everything. I can’t imagine trying to start an online business without the saving grace of WordPress, so big props to you Todd! It’s gone through a number of evolutions since that time, and he shares that he learned a lot about digital marketing and e-commerce the hard way. It’s great to see that he’s now really hit his stride. No lie, I work in digital marketing for a living and I listen to a ton of marketing podcasts — everything Todd is doing on his website is exactly what the experts are saying to do!

Although Todd admits he made a number of mistakes when it came to his business, every single mistake he made helped lead him to where he is today. Not only is he a top money coach, blogger and podcaster, he’s also a self-made millionaire and living a life most of us are still striving for.

One of my favourite parts of this episode is when Todd stopped the interview to grab a post-it from his computer to share the following Andy Warhol quote that he frequently refers to:

Being good in business is the most fascinating kind of art. Making money is art and working is art and good business is the best art.

I love this quote so much, and man did it really hit home for me when he read it out loud. Growing up, I thought I would be an artist as a career. And I still thought it when I enrolled in film school in my early 20s.

When I had to get a real job and start my adult life, I was honestly a bit ashamed that I couldn’t make a living making art like I thought I would. Well, I’ve been adulting for over 6 years now, and what I’ve realized is that I am making art. My business is my art, and that’s pretty darn cool. Thanks for the quote Todd, it’s now a post-it on my computer too. I’m hoping it will give me that much needed focus so I can attain financial freedom at an early age just like you.

Some Great Financial Resources

My Favourite Financial Mentor Podcast Episodes

Follow Todd on Social

Shownotes: jessicamoorhouse.com/46

Apr 13, 2016

In this episode, I talk with Kristina Wilson from the Real Estate Council of Ontario (RECO) about the most important dos and don'ts when it comes to house hunting. Buying a home isn't as glamorous as all those home buying reality shows make it seem. It's a lot of work, there are a lot of documents to be aware of, and making one of the most expensive purchases of your life should not be taken lightly. Luckily RECO is here to help with experts like Kristina as well as a number of other useful resources to help any homebuyer make a financially responsible decision.

Long episode description:

This podcast episode is all about real estate — one of my favourite topics! If you’re a longtime blog reader, you already know I had quite the experience when my husband and I were trying to buy a house in Toronto last year. After two straight months of house hunting and bidding wars, we decided to take a rest and continue renting.  If you’re not familiar with my house hunting blog series, definitely check out these detailed posts.

My House Hunting Blog Series

Even with that experience still fresh in my mind, over the past few months my husband and I have started talking about looking again. We now realize that owning a house is out of the question if we want to stay in the city, but we can definitely afford to buy a condo or townhouse, especially if we plan on continuing to live in good ol’ TO for the next 3-5 years.

That’s why I’m so excited to share my interview with Kristina Wilson from theReal Estate Council of Ontario (RECO). Kristina has a wealth of knowledge when it comes to real estate buying and selling, and we delve into all the important things you need to know as a potential buyer in this episode. Here are a few takeaways from this episode:

Key Takeaways from this Episode

  • Find a realtor who specializes in the type of property you want to buy instead of a generalist. If you want to buy a condo, find a real estate agent who is an expert when it comes to condos. They’ll know what buildings to stay away from and will help serve your needs better than someone who is more specialized in houses or vacation homes.
  • Interview at least 2 to 3 realtors before choosing one. Ask for references before making a decision, and ask them what their experience is. For instance, how many homes have they successfully helped buyers purchase in the last year?
  • Before stepping foot in a home you think you may want to buy, know how much you can actually afford. This means crunching the numbers, creating a budget with your new mortgage in mind, and getting pre-approved for a mortgage.
  • Calculate your closing costs. Most buyers forget about these costs, but they could make or break your dream home purchase.
  • If possible, make special requests in your offer. For instance, if you really want the home’s washer and dryer, but you fear the owners will take it with them, put it in your offer that you want it to stay with the home.

They are also a number of other great tips in this episode, so make sure to take a listen. But to supplement our interview, I’m including a number of helpful resources below. Happy house hunting!

Helpful Resources If You’re Thinking of Buying a Home

Follow RECO on Social

Shownotes: jessicamoorhouse.com/45

Apr 6, 2016

I interview UFile tax specialist Gerry Vittoratos on what tips we should all know so we can do our taxes like a pro and get the biggest tax refund possible.

Long episode description:

As I mentioned at the beginning of this episode, before I launched this podcast one of the topics I hoped to cover down the road was taxes. You may think that taxes are complicated, intimidating, boring, or maybe you just don’t want to think about them at all. No matter the case, we all have to do our taxes every year, so we might as well educate ourselves so we can get the best possible tax refund.

I still remember the first year I did my taxes on my own. I used UFile to file online and I was terrified. I had no idea where to start and thought the process would take me a few weeks. Luckily at 24 my finances were very simple and UFile was very easy to use, so it ended up only taking me a few hours. Since then, I’ve gotten married and my finances have definitely become a lot more complicated. The one big thing that has changed is I’m no longer terrified of doing my taxes. Every year I continue to learn how to optimize filing my taxes, and in this episode UFile tax specialist Gerry Vittoratos really breaks down the secrets to being a pro tax filer.

Tips on How to Be a Pro Tax Filer

Gerry shares a wealth of knowledge in this episode, so here is a simple list of some of his top tips on how to be a pro filer.

  • Get organized: Gerry mentions this tip throughout the episode because it can effect your experience and your refund big time. I mention my method of using two boxes to hold receipts and documents for my husband and I, and I highly recommend you implement a similar practice too.
  • Scan your documents: Besides having all of your paper documents and receipts in one place, scan them too! Not only is it a great way to digitally archive anything, this makes it way easier to search things too.
  • Take advantage of medical tax credits: There are a ton of tax credits you can take advance of, but some credits that Gerry mentions most people don’t even think about are medical tax credits. Check out the CRA’s website all about what you can claim and how to do it.
  • Read your tax software guide: If you plan on using a tax software like UFile, make sure to read the guide so you can get the most out of it. It sounds so simple, and that’s because it is. So do it!
  • Don’t do something stupid with your refund: Getting a big tax refund is only awesome if you don’t blow it on something you’ll regret later on. Don’t be like so many others and waste your tax refund on a vacation. Make the smarter choice and use it to pay down your debt or invest it.

Blog Posts by Gerry Vittoratos

Super Useful Tax Resources

Shownotes: jessicamoorhouse.com/44

Mar 30, 2016

Retirement planning doesn't have to be boring, and it doesn't mean you have to sacrifice today to afford a better life tomorrow. In this episode, Retirement Answer Man Roger Whitney and I discuss the different strategies you can try to plan for a better, richer future.

Long episode description:

Roger Whitney sure is the Retirement Answer Man. Not only does he have his own personal finance blog and podcastfocused on retirement, he’s also a CFP®, CIMA®, CPWA® and AIF®. That’s a lot of designations, so he I knew he’d be the one to turn to to chat about retirement planning. 

Now, Roger has a very interesting story. I definitely encourage you to watch the video I’ve included below where he goes more in-depth about his background, but for the Coles Notes version Roger is so passionate about educating others about retirement planning because of his mom. You see, he was raised by a single mom who worked tirelessly to provide for her family. Her plan was to work hard today so she could relax and enjoy life in retirement. Unfortunately, she passed away at an early age and was never able to experience that quiet and calm retired life she always dreamed of.

Roger believes you shouldn’t work hard today for a better tomorrow. You should work hard today for a better today, and a better tomorrow. The traditional idea of retirement is that we all work hard and save as much as we can so once we retire at 65+ we can finally enjoy the fruits of our labour. But that’s not realistic is it? Not one of us can predict how long we’ll live, or if we’ll be physically able or healthy enough to have that perfect retired life we see in all those life insurance ads in our twilight years.

That’s why it’s time to chuck that old idea out the door and replace it with a new one. One new idea would be to do mini-retirements like Roger and I discuss. Instead of holding out to travel the world in retirement, why not take a year off from work to travel now, then go back to work after? My friend Stephanie Williams, who was one of my first podcast guests, does this every six months and I know more of us could be doing this too.

As I mentioned earlier, Roger has his own podcast, and he even encourages his listeners to send him questions he can answer in a later episode. If any of you have some specific questions about retirement after listening to my episode, click here to send Roger your question. He’s got over 24 years experience in the field, so I doubt you’d be able to stump him.

Check out Roger Whitney’s Podcast

Grab Some of Roger’s Awesome Resources

Follow Roger on Social

Shownotes: jessicamoorhouse.com/43

Mar 23, 2016

Dr. Willie Jolley, an award-winning motivational speaker, Sirius XM radio host and author and I talk about how he turned his setbacks into major successes. If you're looking for an incredibly motivating podcast episode with a lot of useful advice on how to be more positive and how to turn your failures into opportunities, this is the episode for you. Also listen for a free gift in today's episode to help you on your journey to a more positive, balanced and wealthy life.

Long episode description:

If you need some major motivation and inspiration, this is the episode for you. I interview the amazing Dr. Willie Jolley, an award-winning motivational speaker, Sirius XM radio host and author, about how he went from unemployed lounge singer to successful businessman. 

Willie’s story is a story I think we can all relate to. He thought he had it made as a singer, and was living a very comfortable life. But one day his boss said they needed to make some cuts — and one of the cuts was him. Not only that, but he was replaced by a karaoke machine.

Instead of wallowing in despair or throwing his hands in the air and giving up, he did the opposite. He made it his mission in life to turn his setbacks into comebacks (and eventually greenbacks), and now Dr. Willie Jolley has a thriving career motivating others to do the same.

I’m including a number of links below to things Willie and I talked about in this episode, but I also want to include the 7 keys to success that he talks about more in-depth in his latest book Turn Setbacks into Greenbacks. You will definitely want to check out his books and his speeches on YouTube, but here’s a little something to get you started on your journey to a better and more prosperous you!

  1. Don’t panic.
  2. Don’t willingly participate nor commiserate in the gloom and doom.
  3. Don’t let your pride poison your prosperity.
  4. Don’t stop thinking about the power and possibilities of tomorrow.
  5. Be proactive.
  6. Be creative.
  7. Be prayerful.

The Book that Changed Willie Jolley’s Life

Willie Jolley’s Special Gift to You!

Check Out Willie’s Motivational Books

Listen to Willie’s Sirius XM Show

Follow Willie on Social

Shownotes: jessicamoorhouse.com/42

Mar 16, 2016

On this episode of the Mo' Money Podcast, I talk with Karen Yap, personal finance blogger from Makin' the Bacon, about how to make more money, quit your unfulfilling job and rock your dream career.

Long episode description:

Karen Yap has been blogging about personal finance over atMakin’ the Bacon for close to 4 years and she’s learned a lot about making money and switching careers during that time. 

Although she considers herself to be a bit of a job hopper, what she really is is a woman who doesn’t want to settle and has big aspirations — just like we all do.

I can definitely relate to Karen’s story because I myself have switched careers, and when I initially started my personal finance blog under the name Mo’ Money Mo’ Houses, you bet I wanted to make money of it! I can definitely agree with her though that blogging is not an “easy” way to make money (and any blogger who says it is, well, their either full of crap or their doing something fishy). Blogging (not to mention podcasting) is like having a second job. And not only does Karen have a full-time job, which she now loves, on top of blogging she is also a fitness instructor! She even invited me to one of her classes, but I think I might need to work up to that.

One of the key takeaways that I hope you get from this podcast episode is that every journey is different when it comes to your career. Karen had what most people would consider the best job you could ask for — a job with the government. It paid well, it was a secure and it came with a great pension. But she wasn’t happy, and she knew she needed to leave to get her happy back.

So she started from the ground up again, going to networking events and talking to other women about their careers to get insight into what else she could do. This not only led her to her current job, but it inspired her to start her Makin’ the Bacon blog series, highlighting awesome women rocking their careers.

Check out the links below to learn more about Karen, her blog and journey to make her bacon, and her career blog series. I might even be one of the awesome women featured there.

Check Out Karen Yap on Social

Check Out Karen’s Career Blog Series

Join the Conversation

If you like listening to my podcast, then you’ll definitely want to join my Money. Life. Balance. Facebook group. This group is all about having a safe space, free of judgement, where we can all talk about money, encourage each other to reach our financial goals, and educate each other in areas we’re not pros in yet. I post a new topic to discuss every Monday, so make sure to join now to add your two cents to this week’s conversation. See you in there!

Shownotes: jessicamoorhouse.com/41

Mar 9, 2016

Gina Kennedy is a radio host, voice actor and rockstar and she is still in her 20s. In this episode, Gina and I talk about how anything is possible when it comes to your career — no matter how big your dreams are, or how small your hometown is.

Long episode description:

Gina Kennedy is a prime example of how even if you come from a small town, if you’ve got big dreams the sky is the limit! Gina is originally from Abercrombie, Nova Scotia. A town so small that when I tried to look up the current population, I could only find one website that said the town was not included in Statistics Canada’s census and therefore the population is unknown. Yup, that’s a small town.

But that small town didn’t have much bearing on Gina’s ambitions. She wanted to work in the music industry and nothing was going to stop her. So she moved to the biggest city in the province — Halifax. Still, that wasn’t big enough and so her next move was to Toronto where she currently lives.

What I love about Gina is that once she sets her mind on something, she goes for it full force. She wanted to be radio host. I’m sure many of us have fantasized about having a sweet gig like that. But instead of just dreaming about it, she went back to school, got an internship, and never gave up until she finally become a radio host for Sirius XM’s The Verge.

Next, she wanted to become a voice actor. She’s got an incredibly dynamic voice, but it’s a very competitive field. Again, she figured out how to get her foot in the door, got herself an agent and now voices commercials.

If that wasn’t enough, she wanted to see if she could pursue her love of music. I was honestly surprised when she told me she was a classically trained pianist and opera singer, but it makes sense. She’s incredibly talented, and can add bassist for Altered by Mom as her third job.

I know not everyone can do a million things like this, but it just goes to show that if you want something, do it. You may fail, but you may surprise yourself and succeed. Don’t let anyone tell you “you can’t” because they have no idea what you’re capable of. Heck, you might not even know what you’re capable of. So, in my worst Nova Scotia accent: “Just giv’r!”

Check Out Gina Kennedy

Shownotes: jessicamoorhouse.com/40

Mar 2, 2016

Natalie Bacon grew up thinking she wanted to be a lawyer, but after 4 years in the legal profession she realized she that was not the life she wanted for herself. Deciding to switch careers and become a certified financial planner (as well as a personal finance blogger), Natalie may have taken a major pay cut from her lawyer days, but she is well on her way to making some big money...honey. I also share at the end of this episode that I have just opened a Facebook group for anyone who wants to continue the conversation with other like-minded people. If you want to talk money in a place with no judgement, just encouragement, go to facebook.com/groups/moneylifebalance.

Long episode description:

As I mentioned to Natalie Bacon during our episode together, her blog The Finance Girl is super empowering. That’s why I just had to reach out to her and get her on my show. 

Natalie’s story is pretty unique. She always excelled academically and eventually graduated law school with dreams of making big money as a lawyer. After 4 years in the legal field, she was drowning in debt and ready to quit — job or no job waiting for her on the other side.

One of the positive things that did come out of her legal career was the realization that she wanted to focus her energy on personal finance. It was her previous job that helped her switch careers into the financial industry, and she is now only one exam away from becoming a certified financial planner.

Along the way, she also discovered that she needed a creative outlet for her new passion, which is where her blog The Finance Girl came in. And just two years later, her blog has become a heavy hitter in the personal finance blogosphere (go Natalie!).

Here next big goal is to continue to increase her net worth by building her blog into a full-fledged business. Having tasted the lifestyle she could have had if she had continued practicing law, her aim now is to not just manage her money effectively, but to see how much money she can make by doing different things on the side.

The idea of side hustling certainly has become a trend on my podcast, but that’s because it really is such a smart idea. I’ve been able to do so many more things with the extra money I’ve made outside of my full-time job, and I can’t wait to see where Natalie’s efforts will take her in the future.

Blog Post Natalie Bacon Wrote About Setting Yourself Up for Success

Blog Posts on How to Make More Money

Want to Be Part of a Community Where It’s Cool to Talk About Money?

If you like listening to my podcast, then you’ll definitely want to join my brand new Money. Life. Balance. Facebook group. This group is all about having a safe space, free of judgement, where we can all talk about money, encourage each other to reach our financial goals, and educate each other in areas we’re not pros in yet. I post a new topic to discuss every Monday, so make sure to join now to add your two cents to this week’s conversation. See you in there!

Shownotes: jessicamoorhouse.com/39

Feb 24, 2016

In this episode, I talk to certified financial planner, freelance writer and Blonde & Balanced blogger Tahnya Kristina about how she lost her job during the 2007 financial crisis, and then turned that into an opportunity to become debt-free and never be put in that position again.

Long episode description:

I’ve known Tahnya Kristina for several years — initially from the personal finance blogging world, then when we were roommates at FinCon 2014. The one thing that always amazes me about Tahnya is how no matter what, she always has such a positive attitude. 

Case in point, when she lost her job as a certified financial planner during the financial crisis and had to dig her way out of debt and find a new source of income. It wasn’t easy going from earning a good pay cheque as a commission-only CFP, to becoming unemployed and not sure where to go.

But like so many successful people, Tahnya turned those lemons into lemonade and fought her way to a better life. She could have easily thrown her hands up and given in to this major setback, but instead she wallowed for a few days then got to work.

She started by using some of her talents in a totally new way. With her deep financial knowledge, she sought out work as a freelance financial writer, which eventually led her to a job in digital marketing. Now, several years after the economic collapse, Tahnya continues to freelance write for various websites and blogs (including Blonde & Balanced), as well as works full-time so she never has to worry about depending on just one job again.

It’s a notion I absolutely live by and advocate whenever I can. Never rely on only one source of income. If it means getting a job on the weekend, at night, or freelancing in your spare time, it will seriously make all the difference in terms of you reaching your financial goals quicker and just feeling all around more secure. I haven’t lost sleep about money for years, and I know it’s because I’ve been debt-free since 2010 and have multiple streams of income.

Article I Mentioned on Vancouver Housing Prices

Learn More About Tahnya Kristina

Shownotes: jessicamoorhouse.com/38

Feb 17, 2016

Christopher Smith, documentary filmmaker of Tiny: A Story About Living Small, and I talk about the financial upside to living in a tiny house, and how he managed to build his own tiny house with his own money and no prior building experience.

Long episode description:

When I watched Christopher Smith and Marete Mueller’s documentary Tiny: A Story About Living Small, it kind of blew my mind. I was always aware of the tiny house movement, even fantasized about building my own one day, but it wasn’t until I watched Christopher and Marete build a tiny house from nothing that I became a bit obsessed. Like started googling plans to build my own tiny house obsessed. 

Luckily, I didn’t have to just wonder how one would go about building their own tiny house because Christopher was nice enough to chat with me about how he did it himself — with his own money and no prior building experience. If he can do it, anyone can, right?

That’s one of the big takeaways from the film actually. Just because you’ve never done something before, there’s still nothing stopping you from accomplishing it. And Christopher not only built his own tiny house, he made a film at the same time. A film that went on to major success by premiering at SXSW and screening at a number of other noteworthy film festivals.

Another takeaway from the film is the idea of settling down and making a home for yourself. I must have been thinking about his film when I wrote my blog post about embracing life’s impermanence, because that’s something I’ve been thinking about a lot lately.

I grew up believing that at a certain age you needed to settle down and stay in one place to raise a family, but that just doesn’t seem important or rational anymore. You don’t need to have a big house in the suburbs with a 30-year mortgage you can hardly afford to have a home. You can buy a plot of land like Christopher and build a tiny house on wheels for the same price as a downpayment and live an incredibly fulfilling (and debt-free) life.

Which brings me to another big takeaway — the financial rewards of living small. One of the women featured in the film was able to pay down her debt and quit her soul-crushing job to pursue her dream of being a writer because she lived in a tiny house.

It’s crazy what opportunities pop up when we don’t give material goods and commercialism any power in our lives. When we focus on what’s truly important in life (family, community, mental health), we realize how insignificant stuff is. And if I’ve said it once, I’ve said it a million times — no matter how much stuff you’ve got, you can’t take it with you.

Learn More About Christopher Smith’s Tiny House and What He’s Up to Now

Shownotes: jessicamoorhouse.com/37

Feb 10, 2016

Robb Engen from the popular blog Boomer and Echo and I discuss how he started his blog because of his passion for personal finance, and how it evolved into a money-making side hustle that would lead to an early retirement for him and his wife.

Long episode description:

Robb Engen from the popular personal finance blog Boomer and Echo and I chat in this episode of the Mo’ Money Podcast about how he turned his passion for personal finance into a means of reaching early retirement. 

I’ve known Robb and his blog for a while, but it wasn’t until I heard him speak at this year’s Canadian Personal Finance Conference that I knew I needed to chat with him on the podcast.

Robb started his blog along with his mother Marie Engen, a certified financial planner, in 2010. He read a lot of personal finance blogs and eventually felt compelled to add his two cents with his own blog. What started out as a hobby turned into a second job where he earns thousands of dollars per month on top of his full-time salary.

Not only does his blog help provide for his family while his wife stays at home with their two young daughters, but it is also helping them both achieve they’re big goal of retiring early so they can enjoy the fruits of their labour sooner rather than later.

On top of blogging, Robb also writes a column for the Toronto Star and offers fee-only advice as a financial advisor on the side.

I remember someone asking him at the conference how he manages it all with a young family, and his answer was simple — it’s a lot of work, but he makes the best use of his time. It’s not easy balancing a full-time job with a few extra jobs on the side, but if it eventually leads to more money in the bank and the possibility of early retirement, well, I’d much rather work crazy hard in my 20s and 30s to be financially free in my 40s, 50s and beyond. Props to you Robb!

Personal Finance Blogs Mentioned

Follow Robb Engen on Social

Shownotes: jessicamoorhouse.com/36

Feb 3, 2016

Millennial money expert, author and personal finance blogger Stefanie O'Connell and I talk about being an actress during the recession and what inspired her to teach others to be smarter with their money.

Long episode description:

Stefanie O’Connell is one inspiring millennial. She had aspirations of becoming an actress growing up and even studied acting in New York City. She was well on her way to becoming a broadway star too — until the recession hit.  The economic collapse forced her to rethink her plans of being an actress and consider other ways of making a living. She also started getting interested in personal finance, and realized from books like Rich Dad, Poor Dad that she did not want to live like a starving artist for the rest of her life.

This new passion for finance soon motivated her to start her own blog initially called The Broke and Beautiful Life. Now just going by her name (like yours truly) at StefanieOConnel.com, she’s not only a popular personal finance blogger, but also an author (she penned her first book The Broke and Beautiful Life in January 2015), and frequent money expert on media outlets like Fox & Friends, Dr. Oz and CBS News.

What I love about Stefanie, beyond being such a hustler, is how positive she is. She seriously took those lemons and made some amazing lemonade with them. If there’s one thing you can learn from Stefanie’s story, it’s that life is rarely a straight path. Heck, it might actually be a really good thing. How boring would life be if it was predictable? Just look at my  life. I thought I was going to be an award-winning film editor in Vancouver, but instead I moved to Toronto, work in digital marketing during the day and host my own personal finance podcast at night! And I love it! I love that life is so unpredictable and I’ve learned over the years that it’s when you embrace the unknown and divert from your original path, some truly amazing things can happen.

Read Stefanie O’Connell’s Book

As I mentioned, besides being a personal finance blogger, Stefanie is a full-fledged author! Here’s a glimpse of what her book The Broke and Beautiful Life: Small Town Budget, Big City Dreams is all about:

After moving to New York City to become a Broadway actress, Stefanie O’Connell faced one of two inevitabilities when faced with unemployment–spiral into debt or learn how to effectively manage her money. Punctuated with humor, insight, and essential money management lessons, The Broke and Beautiful Life offers practical strategies to make smarter financial decisions today as a means to fulfill the goals and dreams of tomorrow.

You can grab your copy of her awesome book on Amazon.

Check Out Stefanie on YouTube

Not only do I predict Stefanie becoming a YouTube star, or the next Oprah, I want to help her get there! Recently she shared on Facebook that she hopes to attend YouTube’s Bootcamp to up her Youtuber game. She’s a natural already with the acting chops, but in order to get into the bootcamp she needs 500 channel subscribers. Since Stefanie is such an awesome gal, I’m asking you to subscribe to her channel (as well as mine), so she can become famous and credit me for helping her out! Seriously girl, if you ever get a talk show, I definitely expect to be a guest!

Shownotes: jessicamoorhouse.com/35

Jan 27, 2016

I talk with vlogger, blogger and entrepreneur Anthony Ongaro about how he climbed out of a mountain of debt and came out of the experience stronger by living life with more intention and integrating minimalism into his daily life.

Long episode description:

I was introduced to Anthony by my good pal Cait Flanders from Blonde on a Budget after I asked her if she knew of any guests who would be great for my show. She was right in pointing me to Anthony because he is seriously such a genuine, smart and inspirational guy. If you need some motivation to pay down your debt, declutter your house and live life to the fullest — Anthony is your guy. 

In this episode, we discuss some of Anthony’s key philosophies that he often writes about on his blog Break the Twitch and talks about on his YouTube channel.

What Does it Mean to Break the Twitch?

When I think of twitch, I think of someone who has a weird eye twitch they can’t control. And that’s sort of the same thing that Anthony is referring to, but instead of an uncontrollable eye twitch it’s that uncontrollable twitch that makes you buy, buy, BUY! Anthony shares his story of his Amazon shopping addiction and how he eventually turned things around and broke the consumerist cycle to live a more meaningful life. Now his mission is to help others like him break the twitch too. It’s not uncommon to fall into a never ending shopping spree, but it’s not impossible to get out and make it right.

The Dark Side of Convenience

It’s rare that we ever complain about anything being too convenient, but that’s exactly what gets lots of us into financial trouble. When things like Uber, Amazon and iTunes are at our finger tips, it can be hard not to spend money like it’s not even real. But it is real and we need to be more conscious of how we’re spending it. This may mean deleting some apps on your phone or unplugging at night to prevent any late night boredom shopping. The key thing is to be aware and not always do the most convenient thing if it’ll cost you in the long run.

Embracing Minimalism

This was a big topic on the episode because we talked about it in two different ways. First, minimalism in terms of getting rid of material possessions to live a less cluttered life. Second, minimalism in respect to relationships and only maintaining relationships that add value to your life. As I mentioned near the end of the episode, after talking with Anthony I had a huge urge to go through my whole apartment and get rid of everything. And I did actually purge a few things from my closet and some of my junk drawers. It felt so freeing, so I hope you choose to try it out too, or better yet, do a minimalism challenge!

Shownotes: jessicamoorhouse.com/34

Jan 20, 2016

I discuss the biggest money matters for millennials, such as student loan debt, unemployment, going back to school, and buying a house with personal finance columnist Rob Carrick from The Globe and Mail.

Long episode description:

I was incredibly nervous to interview Rob Carrick from The Globe and Mail for this podcast episode. I’ve been reading his words for years and when it comes to personal finance, he really knows his stuff. But since Rob is such an awesome guy, when I cornered him at the Canadian Personal Finance Conference this past fall and begged him to be on my podcast, he was kind enough to say yes. 

Highlights from this Episode

I love this episode so much because we talked about one of my favourite topics — millennial money matters. As a millennial who’s mission it is to help other millennials understand the core concepts of personal finance so they can take control of their lives and prosper, well it was more than a treat to talk to someone as passionate about educating Generation Y as I am.

We start off with discussing two of the biggest downfalls of post-secondary students: budgeting and taking on student loans. The facts are that students don’t budget (hey, I didn’t even know what a budget was when I was in university) and they take on student loans without truly understanding what it means to be indebted. It’s no surprise that most university grads are drowning in debt and don’t know how to manage their money.

On top of that, many students are going to university because they believe that’s the right step to take in order to have a successful career down the road. Unfortunately, that’s just not the case anymore, and many graduates are having a hard time finding a job in their field and have to get a professional certificate for an applied skill just to get their foot in the door (myself included).

Another big topic we discussed was housing. I wrote a lot about my experiencehouse hunting in Toronto last year, but in the end I backed off and chose to continue renting instead because it just didn’t look like a good investment. It may have been 10 years ago, maybe even 5, but that just isn’t the case anymore. It was for Generation X and the Baby Boomers, but I agree with Rob in believing that more millennials need to proceed with caution when it comes to investing in property.

 

Shownotes: jessicamoorhouse.com/33

Jan 13, 2016

I talk with financial consultant, public speaker and author Robin Taub about her book "A Parent's Guide to Raising Money-Smart Kids" and what advice she would give to parents about teaching their kids about personal finance at any age.

Long episode description:

I was lucky enough to meet Robin Taub at the Canadian Personal Finance Conference in Toronto this fall, and I’m so glad I did. She spoke at the conference about how she penned and published her best-selling book A Parent’s Guide to Raising Money-Smart Kids and how she went from chartered accountant to public speaker, author and personal finance media spokesperson.

Although I don’t have kids (and don’t plan on starting a family for a few years yet), raising money-smart kids is one topic I knew I needed to cover on the podcast. I think for all of us to become smarter with our money, we need to be educated about it. And the sooner we learn the fundamentals of personal finance in life, the better chance we have at becoming successful and financially stable adults. I know for a fact then when I do have kids, I don’t want money to be a taboo subject. I want us to talk about it openly so they will have all the facts before they head off to college.

We talked a lot about Robin’s book in this episode, largely because she outlined how to teach your kids about money so well. She talks about what to talk about to your kids at different ages and how this personal finance education can truly empower your kids and give them confidence. Like I said at the start of this episode, I highly recommend this book to anyone who is a parent or is planning to be. You can buy the book online or check it out at your local library.

Shownotes: jessicamoorhouse.com/32

Jan 6, 2016

For my first Mo' Money Podcast episode of 2016, I interview fitness coach and champion bodybuilder Jaclyn Phillips about how she turned her love for fitness into her side hustle and how she saves money when preparing for fitness shows.

Long episode description:

In this episode, Jaclyn and I discuss how she got into the fitness world and how she eventually turned her love of fitness and competing into a part-time business.

For my first Mo’ Money Podcast episode of 2016, I interview my friend, and co-creator of the Rich & Fit 21-Day Challenge, Jaclyn Phillips. Jaclyn is awesome. And yes, I may be biased, but she really is. The reason we first connected was because we are equally passionate about helping others when it comes to finance or fitness.  She loves fitness and wants to share everything she’s learned with people who want to improve their health. I love finance and want to share everything I’ve learned with people who want to improve their financial lives. When we met and started talking about what we do outside of work — well, it wasn’t long until we came up with our idea for the Rich & Fit program.

In this episode, Jaclyn and I discuss how she got into the fitness world and how she eventually turned her love of fitness and competing into a part-time business. To give you an idea of what she does, here’s a look (she’s the brunette on the left):

Yup, she knows fitness. She also does her own hair and make-up for shows to save on money (frugal too!).

To learn more about Jaclyn Phillips, I highly suggest you check out her websiteand her Instagram. Her Instagram is seriously my daily motivation to get up and move off the couch.

And as another special treat, I found this awesome recipe of her’s for Birthday Cake Protein Waffles with French Vanilla Glaze. I am definitely going to make these this weekend.

Shownotes: jessicamoorhouse.com/31

Dec 9, 2015

For the last Mo' Money Podcast episode of 2015, host Jessica Moorhouse does another solo episode, sharing her thoughts on going to university, student debt and making smart financial decisions when it comes to your higher education and future career.

Dec 2, 2015

I interview my grandpa, Jacques Hardy, in his home in Chilliwack, BC for this podcast episode because his story is the ultimate success story. He describes his family as "poverty stricken" growing up, he had 8 siblings and had to start paying his own way at 17. Although the odds were against him (he failed grade 7 twice and was fired from a number of jobs), he was able to find a successful career in the military to help support his young family and eventually move across the country for a better life.

Long episode description:

This episode is why I’m so glad I have a podcast. Finally, I have a medium to share my grandpa’s incredible story. He literally started out dirt poor. Poverty stricken was actually the term he used. He was born in Saint-Sylvère, Quebec, had 8 siblings and had to start paying his own way at 17. 

If you think that sounds hard, his dad was orphaned at 5 years old and started working at 11! He eventually became a butcher and sold his meat door-to-door. But still, when he got married, all he had to his name was $20 in his pocket and a horse and buggy. He even had to declare bankruptcy at one point in his life.

You really do need to listen to the episode to fully grasp the trials and tribulations my grandpa had to overcome. It sure makes me feel grateful for how I was brought up. I mean, I complain that I had to work a part-time job in high school to afford university (poor me), while my grandpa literally had no options when it came to post-secondary. Honestly, if it wasn’t for the military I don’t know if he would have been able to afford starting a family and eventually uprooting them across the country to live in Chilliwack, BC.

What I loved most about our conversation together was finding out how money savvy he was. Even without any good financial role models in his life, my grandpa was smart enough to save a good part of his pay cheque and buy some Canada Savings Bonds that eventually helped him pay off his mortgage (on the house he still lives in by the way), right before interest rates skyrocketed in the 1980s. I still can’t believe he was able to put more than 50% down for a down-payment and his mortgage was only $83/month!

A big thank you to my grandpa for recording this episode with me (I can’t wait to share it with him). This will be a recording I cherish for years to come.

And since I haven’t mentioned it on my podcast or on the blog yet, next Wednesday’s episode will be my last for the year. It’ll be my 30th episode and I definitely need a break to ramp up my website redesign before the New Year. As always, thanks for listening and make sure to tell me what you think by leaving me a review on iTunes, Stitcher or tweeting me.

Shownotes: jessicamoorhouse.com/29

1 « Previous 2 3 4 5 6 7 8 Next » 8