Hello frugalistas, and welcome! In this podcast The Joyful Frugalista (aka Serina) is interviewed by her cheeky husband, Neil. Hear from Serina about what she and her family have planned for 2022!

Nothing is impossible when it comes to building wealth.  Myra Oliver is a Kentucky girl who, at age 22, decided she wanted freedom from debt and consumerism.  She went from being a hairstylist to becoming a self-made millionaire in her thirties.  Passionate about real estate investment and frugal living, Myra shares in this podcast how true wealth isn't the car you drive or what you wear.

James Whittaker is the best-selling author of three books (The Beginner'$ Guide to Wealth, Think and Grow Rich: The Legacy and Andrew Carnegie's Mental Dynamite), host of the Win the Day Podcast, public speaker, business coach and co-executive producer of the film Think and Grow Rich: The Legacy.  In this podcast, he talks with Serina about the power of desire and commitment to achieving your goals.

What does abundance mean to you? Is it money in the bank? Increasingly - and especially during recent crises - people are realising that abundance is much deeper. In the podcast, Serina chats with Chief Economist PwC Australia, Jeremy Thorpe, about the value of the Help Economy - a project launched by NRMA Insurance to track and value acts of everyday help in Australia.

Fashion and disability don't usually go togehter, but Gina Kingston is on a mission to change that.  Ahead of the International Day of Disabled Persons on 3 December, Gina shares how her experiences with her mother shaped her interest in ensuring that fashion is more inclusive. Gina is a scientist, outdoor enthusiast and a personal stylist who specialises in people with health issues. Her mum had a Parkinson’s plus disorder and had limited mobility, but she still wanted to look stylish. Gina now helps other people with health issues to look and feel good in less time and with less effort so they can spend more time enjoying life.

Noel Whittaker chats about his new book - Retirement Made Simple. Noel is one of Australia’s most successful authors, with 23 bestselling books having achieved worldwide sales of more than two million copies.  Making Money Made Simple set Australian sales records and was named in the 100 Most Influential Books of the Twentieth Century. Today we are going to talk about his new book Retirement Made Simple, which is unsurprisingly also a bestseller. For 30 years, Noel was a Director of Whittaker Macnaught, one of Australia’s leading financial advisory companies, with more than two billion dollars under management. In 2011 Noel was made a Member of the Order of Australia for service to the community in raising awareness of personal finance. Noel is a Chartered Tax Adviser, a member of the Australian Securities and Investment Commission Regional Liaison committee, and also an Executive in Residence and Adjunct Professor with the Faculty of Business at the Queensland University of Technology

When we buy an item of clothes in the shops, what is its true impact?  Even when clothing claims to be environmentally friendly, how do you know that it really is?   Lalita Lowe is author of It’s Time to Rethink your Fashion. She is a personal fashion curator who works with women to help them make conscious fashion choices. Trained as a fashion designer in Melbourne and Paris, Lalita has worked in the fashion industry in New York , Paris and Australia. She is a certified fashion stylist and has served on the advisory board of one of Australia’s top fashion schools.

Ever wonder what recruiters are looking for in job applicants? It might not be what you think.  Despite all the negative news about the economy, the outlook for those seeking employment is good.  In this podcast, Roxanne Calder, author of Employable: 7 Attributes to Ensure Your Working Future, shares some tips for maximising your employment potential.

On this podcast, Serina welcomes back @latestarterfire to talk about why late starters to financial independence often have more of an advantage than they think.  

The media often likes to run scare campaigns about the cost of children. Can you be a frugalista and be a parent?  Yes, you can. I had a great chat with Mel from money savvy mamma about frugal living, family and investing.

Are you feeling a bit anxious in this pandemic? I know I am - and I've got the perfect guest to discuss how to get to feeling better  In this podcast, I chat with Dr Jodie Lowinger, who is a world-leading expert in anxiety, mindset and resilience.  She is an award-winning clinical psychologist, high-performance and mindset coach to CEOs, and has worked and trained at Harvard Medical School.  She is the bestselling author of The Mind Strength Method: Four Steps to Curb Anxiety, Conquer Worry and Build Resilience.  Note: this podcast was recorded before my household went into lockdown.

Founder of Home Sanctuary, Sally Flower, is Australia's first KonMarie Method trained organiser.  She previously worked in corporate finance - including in New York - before making a change to embrace sustainable fashion, sustainability and minimalism.  On this podcast, Sally chats with Serina about investing, the sharing economy and the link between FIRE and minimalism.

Ever thought about investing in the US, especially in those big tech giants, but wondered how?  In this podcast, Serina chats with share trading guru Danielle Ecuyer about her new book Shareplicity 2:  a guide to investing in US stock markets.  

Amy Bett and her family experienced a financial setback after her husband sustained a head injury at work. She pivoted to starting a business, but then that didn't work out as expected either.  In this podcast, Amy talks candidly about the resilience she showed when times got tough, and how she got her finances back on track.

Confidence in investing starts with learning about how to invest, and a reliable and informed financial literacy resource is Australia's Money Magzine.  In this podcast, Serina chats with Money Magazine Managing Editor (who is also co-author of The Joy of Money) Julia Newbould about making a career writing about money, the joy of money, and the importance of superannuation. 

We rarely think about high income earning professional, such as doctors and lawyers, needing to save for their retirement.  But it's important on any income (and in fact, it can be harder when you are earning more as there is a greater expectation of quality of life).  In this podcast, I chat with F.I.R.E. blogger Aussie Doc Freedom about her saving and investing journey.

Michelle, Frugality and Freedom had her FIRE life plan disrupted during COVID.  She reinvented a new, remote career and excelled at working from home.  In this podcast, she chats with Serina about how you can work wherever in the world you want to be, and explains the importance of different types of capital (not just financial capital).

Many people are doing it tough right now - the crisis isn't over for everyone.  If you or anyone you know is experiencing debt problems, this is a podcast for you.  Seeing a financial counsellor may seem scary, but behind the phone are empathetic people who are there to help - including Nicole Flaws from CARE Inc.

What does abundance mean to you? Is it having enough food to eat? Sadly, many Australians face food insecurity on a daily basis. This is a problem that Ronni Kahn, founder of OzHarvest, is addressing.  In this inspirational podcast, Ronni chats with Serina about what abundance means to her, the richness that comes from living aligned with purpose, her recent biography A Repurposed Life and tips for everyone to reduce food waste.

Have you ever wondered if you should borrow to invest? Or whether there was a place for investing in direct shares rather than Exchange Traded Funds (ETFs)?  I had a good chat with Scott Phillips, Chief Investment Officer at The Motley Fool, about how to get started and how to succeed in investing.

Sarah and Laura write at Keepin’ it Frugal. They are also foodies who are the stars of @Wandercooks.  In 2015, they quit their jobs, sold their houses and possession and travelled the world.  Both are part of the financial independence retire early movement, and Sarah is one of the 20 bloggers featured in the Aussie F.I.R.E book released by Pearler.  In this podcast, they chat with Serina about good food, their frugal wedding and travelling the world on a budget.  They also recommend accessing Lynda (now LinkedIn Learning) through a public library. 

Stuck in debt and not sure if there is a way out?  Dream of getting rich one day and not sure how? In this podcast, Canstar editor-in-chief and former Money Magazine editor, Effie Zahos, chats about her latest book:  Ditch the Debt and Get Rich.  

Bushy Martin knows a thing or two about property.  He is a keynote speaker, author and in 2017 was named one of the top ten property specialists in Australia by The Property Investor Magazine. He is author of The Freedom Formula, and its follow-up Get Invested – which scored two awards at the Australian Business Book Awards in 2019. Bushy is the founder of KNOW:HOW Property Finance Strategy, one of Australia's leading groups of property investment strategists, and host of the Get Invested podcast.  In this podcast, he chats with Serina about the magic of property investing and has a great tip for parents wanting to help their kids get into property investing.

Jeanene Kennedy-Evans is founder of Winederlust, a wine events company, and host of the Winederlust podcast.  She's also the co-organiser of the Live Your Best Life series, which features women with insights into how to do amazing things.  In this podcast, she chats with Serina about why it's important to support our local businesses - including wineries - and why she decided to turn her passion for good wine into a side hustle.  

Do you prepare too much too for Christmas and then regret it? Have you ever wanted to cook duck but felt a bit scared? In this podcast, Serina chats with her friend and Triple H 101.1 FM Thrive Live presenter - and chef - Aranka Nolan, about how to avoid food waste at Christmas by catering for the right amount.  Aranka also shares her recipe for duck l'orange.

Former Managing Director of UBS Investment Bank in Hong Kong, Eric Sim is the most popular and well-known banker in Asia with over two million followers on LinkedIn.  He is founder of the Institute of Life, which teaches young professionals (especially in finance) how to become more successful at work and in life.  He is simultaneously a senior career fellow at Nanyang Technological University in Singapore and a guest lecturer at Renmin University in Beijing.   In this podcast, Eric chats with Serina about how he managed to achieve career success despite the Asian Financial Crisis, his special relationship with prawn noodles, why he doesn't wear a Rolex and what for him is the true meaning of happiness.   

Ever wondered about the strategies that the wealthy use to get even wealthier?  Canna Campbell is founder and director of boutique financial planning firm SASS Financial Services, Channel 9’s money expert, founder of SugarMamma.TV, host of SugarMamma’s Fireplay Podcast, and best-selling author of the $1,000 Project and Mindful Money.  In this episode, she discusses debt recycling, the power of the $1,000 project and changes to the financial planning industry.

This podcast is a special one - it's not an interview and it's quite different. I'm so excited to share with you an abundance meditation. I am gifting this to you so that you can channel more abundance into your life.

Dr Kirsten Peterson is a registered psychologist, endorsed sport and exercise psychologist, and organizational coach for her company Kirsten Peterson Consulting. Drawing on her 23 years of international experience as a sport and performance psychologist for Olympic athletes, coaches, and teams in the US and Australia, Kirsten understands how high performance works. She was a team psychologist at 7 Olympic Games and has worked with numerous sports, most recently with the Australian national women's water polo and rowing programs, as well as with USA Rugby.  Serina chats with Kirsten about success and the mindset of top athletes (it's not what you might think), and application for those of us working to achieve our goals.

April Mack is a mentor, trainer, speaker and facilitator. She lives in Canberra and loves laughing, dancing, hanging out with her children and family and learning anything that helps her grow and shine more brightly in the world.  She is host of the  Mack Chat podcast.  Her leadership programs for women with ambition include DIVA and Shine.  In this podcast, April has a candid chat with Serina about the moment of realising she was in debt, how she got herself out of it, and how she works with women to help them shine.

This podcast celebrates and acknowledges the 20 year anniversary of the United Nations Security Council passed Resolution 1325 on Women, Peace and Security. Jennifer Wittwer, CSM, is a nationally and internationally acclaimed gender expert, keynote speaker and published writer who has been recognised with numerous awards. With thirty-eight years in the Australian military, she has experience in leadership, organisational change, large-scale cultural and workplace reform, and implementing gender-responsive policy strategies and solutions. In recent years, Jen has worked for international organisations in Afghanistan, Brussels, New York, Ukraine and Jordan on a range of projects relating to women's participation in peace and security efforts. In this episode, she chats with Serina about being a trailblazing woman in the navy, why she didn't join to find a husband, how the gender pay gap is an issue in the military, as well as sharing her money values.

Effie Zahos helped kickstart Money Magazine in 1999 and served as editor until 2019.  She is currently editor-at-large at Canstar and is a well regarded financial commentator. She is the author of several books, including A Real Girl's Guide to Money: From Converse to Louboutins, and a children’s book.  In this podcast, she chats with Serina about shoes, fashion, education, superannuation, women and of course, money. Note: this is a link to a trailer about Watch Your Nuts, which Effie mentions in the podcast in relation to men and payday loans.  It's seriously funny but makes an important point.  And you can subscribe here to Money Mondays with Effie at Canstar.  

Gai Brodtmann served as a member of the Australian House of Representatives for the seat of Canberra from 2010 until 2019.  She served as Shadow Parliamentary Secretary for Defence and later Shadow Assistant Minister for Cyber Security and Defence Personnel.  Gai serves on several boards including the Australian Strategic Policy Institute council, the Museum of Australian Democracy at Old Parliament House, and Endometriosis Australia, and the Sapien Cyber advisory board. In this podcast, she shares her experience of growing up where money suddenly became tight. As a result, she is passionate about women becoming financially literate to 'grip it up' and know where their money is going.

Serina chats gardening and saving money on radio 2BS, NSW central tablelands.  Radio interview recorded on 1 October 2020.

Libby Gore invited Serina to chat about how to reduce your food bill during her session on ABC Radio Melbourne.  Aired on Sunday, 4 October 2020 at around 11.30am.

Frances Crimmins plays an active role in complaining for women.  She serves as Chief Executive Officer of the YWCA Canberra and also volunteers on boards including the National Older Women’s Housing and Homelessness Working Group and Homelessness Australia. In this podcast, she chats with Serina about the economic inequalities affecting women including the 'pink recession', lower superannuation balances, the gender pay gap and how COVID exposed the plight of older homeless women.

Has your family dynamic been less than joyful during the events of 2020?  If so, you're not alone - especially if you have neurodiverse kids at home.  In this episode, Patricia Falcetta aka the Family Joy Expert, shares some wisdom about how to improve family joy. Patricia helps families with neurodiverse children – such as Autism (ASD), ADHD, ADD, dyslexia and others such as dyspraxia and supports families to move away from stress, overwhelm, anxiety and worry to relief, happiness, better family balance and joy.

Rae Knopik travelled halfway around the world and then to a place she couldn't even pinpoint on a map for love.  And then she set up a community-based not-for-profit.  Rae's story is one of faith and belief. If you have ever dreamed of setting up a not-for-profit to do something bigger than yourself, you will love what Rae has to say.

As we deal with a global pandemic and a recession, many of us are also dealing with the mental health impact of disruption and change.  In this podcast, Serina chats with counsellor and author Karin Holmes about the transformative power of kindness, and why kindness is so needed right now. Karin Holmes is a counsellor who specializes in grief counselling and mental health support. Karin is author of two books, Nurturing Kindness – a manifesto for unapologetic self-love and healing and How to survive a miscarriage – a guide for women, their partners, friends and families and he is passionate about helping those that are done suffering silently and are ready to start healing. 

Have you ever had an idea for a business or startup and then thought, how do I do it?  Or have you started a business and want to learn more about how to craft a sustainable business model, especially to pivot during COVID?  Serina chats with Janine Linklater, Business Development Manager at the Southern Region Business Enterprise Centre about the things to think about what starting a business, and the importance of a simple and easy to craft business plan.

Lacey Filipich is author of Money School:  become financially independent and reclaim your life.  A former chemical engineer who spent time working in Kalgoorlie, Lacey founded Money School with her mum 2010 - and more recently founded Maker Kids to help teach financial education to children.   Lacey is one of the chief organisers of a virtual summit called Money Debates, which brings together over 40 finance experts to explore different views on key financial issues.  Money Debates opens on 24 August and runs until 4 September.

Serina's got some exciting news to announce! She is now the face of Savvy Shopper, a new column that features in the midweek Hibernation section of News Corp's major metropolitan newspapers every Thursday.  Make sure to buy The Daily Telegraph, The Herald Sun, The Courier Mail, Mercury etc and to check out Savvy Shopper online.     

Harry Armytage specialises in helping bright children - and adults with self-responsibility - to rediscover their love of learning. And in a previous life, Harry was an economist who analysed what made people spend.  In this episode, chats with Serina about the hidden secrets department stores use to make us want to spend,  the importance of listening, how to encourage learning in children - especially gifted children, embracing your gifts, and finally, the circular economy.

Jess is one half of The Fioneers, a financial independence blog.  Jess is on her way to financial independence while working part-time.  The Fioneers won the Plutus Award in 2019 for the best new personal finance blog.   In this podcast, Jess has a candid chat with Serina about women and overwork,  choosing the right path to financial independence, and the dangers of the 'treat yourself' culture.

Growing up, I learnt more about money outside school than in it. This is a problem that former teacher Kate Crowhurst, who blogs at Money Bites, feels passionately about. In this episode, she discusses financial literacy in schools, the need for more female voices in personal finance, the importance of women in business startups - and she shares a great fashionista tip.   Kate is also working with Money School author Lacey Filipich on Money Debates, a virtual summit that takes place from 31 August to 4 September.

Aussie Firebug is an Australian, currently living in London, who blogs and podcasts about his Financial Independence Retire Early (FIRE) path.  He is a bit of a legend in the FIRE community, where his no-nonsense tell it as it is approach has earned him over 13,000 subscribers. In this episode, he has an honest chat with Serina about how 2020 has disrupted his (and Mrs Firebug's) European travel plans, how they are investing, and his views on the controversial topic of whether or not to withdraw money from superannuation.

Janie Allen aka Styledge by Janie is a fashion stylist who always looks fabulous - even on a budget.  She chats with Serina about moving beyond fat-shaming, being comfortable in your skin, and how to dress fashionably on a budget.  "When you look great you feel great, and when you feel great you can conquer the world."

After Liz Walton got married, she expected to start a family quickly. But that didn't happen, even after six IVF attempts - until she fell pregnant at 46 years of age. Now Liz provides fertility coaching and emotional support for people struggling with fertility.  So far she's had a 100 per cent success rate; but often it's more about the journey.  Liz is one of the contributors to the Amazon #1 bestselling book Mumpreneur on FIRE Australian edition and is one of the founders of the My Vibe networking group. In this podcast, she shares the emotional and financial cost of her fertility journey.