Make that Money Hunni Sandra Joe

In this episode for Canadians, I talk about the different types of investment accounts, and how to use a Tax-Free Savings Account (TFSA) to start investing.
These accounts are highly beneficial for tax purposes and provide lots of opportunities to investors of all ages, as they don't incur a tax liability when you withdraw your funds.
There are many considerations to using these accounts, so this technical episode talks about all of the things you need to consider before starting to invest in a TFSA, how to get started, what your limits are and what to do with the money once you've made the contributions.
It also covers TFSA transferability from one financial institution to another, and how you can nominate a beneficiary.
For more information on contribution limits and government regulations about TFSAs, please visit:
https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/tax-free-savings-account/contributions.html
*Disclaimer* As with any of my episodes, you should always do your own research before making any financial, legal, tax or investment decisions to see if they are right for you and your personal circumstances. This episode is for general information and education purposes only, and government regulations are subject to change at any point without notice. You should not take this episode as advice or recommendations.
Thanks for listening and see you next time!
Sandra

Whether it's starting something new, or doing more of something you know you should be doing, perfectionism can greatly affect the lives of many people (especially entrepreneurs) and hinder your progress by getting obsessed with the fine details.
This is something I'm personally all-too-familiar with, and especially in a highly regulated industry like Finance, I can really get obsessed with the details and facts of the content that I want to share both online and with clients. The problem is, that I want to be perfect and show up flawlessly, but in reality, that's just now efficient.
Can you relate?
In this episode, I talk about why we function as perfectionists, and how to break the debilitating cycle of self-doubt, fear and obsessive thoughts about what we want to do, but don't actually do.
So if you want to get out of your head and into your life, then this is the episode you've been waiting for! Enjoy!
If you'd like to learn more about ways that we can work together, check out my website at www.sandrajoe.com or connect with me on Instagram @makethatmoney.hunni
See you next time!
Sandra

In this episode, I give you 10 steps to follow if you're an entrepreneur or small business owner and have reached a plateau in your income.
It happens to all of us at some stage in our journey, so using these 10 steps can not only help you make smarter financial decisions, but also help you create new ideas for your business and ways to reach your customers.
1) Diversification of Income Streams
2) Enter into new markets or demographics
3) Have a pricing model that meets different budgets
4) Improve marketing strategies
5) Ask for client testimonials
6) Increase existing customer retention
7) Know your competition
8) Invest in technology & automation
9) Invest in personal growth and development
10) Be frugal with your spending in your early days of business
The content of this episode has personally helped me grow my business in 2024, and by choosing which (if not all) of these strategies is applicable to your business, you will likely be able to create a more sustainable income and grow your business.
If you liked this episode, please hit download so you can come back to it at a later date, share with a friend or tag me on social media:
@makethatmoney.hunni on Instagram or visit my website www.sandrajoe.com for more information on how we can work together.
See you soon!
Sandra

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

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

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