Miss Findependent

We start off with a visualization of the future. You enter an elevator, press the top floor, and come out as you, only 10 years into the future.

We ask you to question where you see yourself - what sights, sounds, and people surround you.

The reason we do this is to help you understand that you need to be working for the life you want now. Things won't just fall into place, you need to call them into existence and take action to purse what's yours.

We talk about some of the ways millennials often live above their means and get into significant credit card debt. We discuss ways to prioritize debt and where to focus your attention.

We discuss basic budgeting skills and how to manage your inflows and outflows to ensure you are net positive month over month.

We provide a brief introduction to TFSAs and RRSPs and explain why both accounts are necessary for everyone to have, even if you have a company pension already set up.

We discuss the importance of asking for employee referrals and how to cold outreach. We talk about everything from what to say in your LinkedIn messages, or email, to how to increase your response rate. We break down how to connect with people you've never met and how to give back to people that reach out to you.

We provide examples of networking tools you can utilize such as joining professional organizations (ie. Women in Capital Markets) and explain how these tools can be used to obtain job opportunities as well as employee referrals.

We discuss the importance of Temp Agencies and how to take advantage of Freelancing to get the most value out of your skillset. We provide tangible examples and proof of how our method works.

Building financial literacy can be a daunting journey, especially if you don't know where to start.

In this episode we break down the basics of what actions you need to be taking in order to set yourself up for success. We start with explaining what an emergency fund is and how to build one.

We teach you to build a system for monitoring your cash inflows and outflows and how to be mindful of your spending. We dive deep into budgets and present an easy system - the 50/30/20 rule - for mindful spending on needs, wants, and savings.

You can download an easy budgeting worksheet by singing up for our mailing list here: www.missfindependent.com

The holidays can be the most exciting and expensive time of year for some. While this holiday season is definitely going to look different from previous years, now more than ever is it important to show your friends and family how much you love and appreciate them.

It's not about how much you give, but about how much love you put into giving.

In this episode we go over how to have a conversation with friends/family about expectations around the holidays. A lot of people have either lost their jobs, aren't getting their holiday bonuses, and/or cash might be tight for many this year. Having candid conversations with friends and family is the first step in trying to understand what your holiday budget should be.

We discuss how to value your relationships and offer suggestions for people with bigger family groups.

We talk about why Black Friday/Cyber Monday aren't always the best times to buy, and why maybe you shouldn't be boycotting Amazon.

If you enjoyed this episode, please leave us a review!

As always, thanks for listening.

Nika & Katie

Why do people fail at keeping their New Year's resolutions?
In this episode we unpack why only 8% of all people who set out to achieve their New Year's goals, actually achieve them.

Studies have found that only 64% of people stick with their goals past one month, 46% past six months, and 8% through the end to long term achievement.

We provide you with the steps to take in order to ensure that you set yourself up for success and join the 8%. We teach you how to create SMARTER, more specific goals, and dive deep into the "why" you are creating your goals in the first place.