Bleats

5 Podcasts To Help You Pull Yourself Together In Your Twenties

You got this.

Look, it’s a troubling time for us young people, trying to live in a society run by Boomers who think we spend all our money on brunches and make all our life decisions based on horoscopes.

We’re considered fiscally irresponsible and socially inept because we’re not bosom buddies with our neighbour in the apartment across the way who inexplicably blasts dubstep at 3 in the morning.

Cough. Also, we always on them phones.

So what are you supposed to do when it feels like your life is in chaos? Your savings are abysmal, your energy and passion for life is dwindling, and let’s not even go near your romantic aspirations. But you can’t ask your parents for advice cause they’re breathing down your neck, and Facebook is a swamp of judgey assholes who can’t wait to scorn your life choices.

Thankfully, we have a line-up of podcasts ready to softly caress your face and tell you how okay it’s all going to be, and it’s all part of a five-step plan to be the better you.

Step 1 Is Admitting You’re A Mess

No shade, I swear! Everyone is a little messy from time to time, and I am yet to meet anyone who has it all together as much as their Instagram would suggest. Not only does Confessions Of A Twenty Something Train Wreck address pretty much every quarter-life crisis under the sun, but it’ll probably feel great just to hear how common all the trials and tribulations are.

Host Phoebe Parsons quickly reminds you how very not alone you are, and that ultimately once you overcome your obstacles, you’ll look back and find them hilarious. Her and her guests’ pearls of wisdom are unending – Dating woes? Check your compatibility by asking a potential partner what Instagram meme pages they follow. Frittering away your income? Feel your Europe trip in your heart and make those little sacrifices to get there.

Step 2 Is Getting Ready To Change

Much like the humble caterpillar must first make itself a cocoon before transforming into a butterfly, so too must you enter a state of being that will maximise your own transformation.

Best way to get into the right mindset is to listen to inspo from those who have gone before, like Annie and Bianka, who are not afraid to tackle the biggest of lifestyle choices in We Want To Be Better.

Hey, it might even expose you to things you didn’t even realise were a problem, like ‘common enemy intimacy’ (AKA bitching to your pals), or feeling less guilty for living away from your parents.

Step 3 Means Prioritising Your Health And Wellbeing

It’s going to be extra difficult to fix all your bad habits and do a total 180 without first focusing on your health, because your fitness and food choices make an enormous impact on your happiness and therefore your outlook on life.

Better For It is a podcast that educates and inspires, and addresses your whole health – not just your gym membership status. Katie Williams, an ex-sprinter, brings influential people onto the show who are well versed in nutrition, training, body image and other social barriers to good health.

Even if you’re not keen to jump in the deep end of the fitness world, this podcast is going to – at the very least – equip you to love your corporeal form more.

These questions answered – and more!

Step 4 Is A Total Relationship Audit

Love is hard. Especially when you’ve been loving for a very long time. But no matter where you are in your romantic journey – from the Tinder swipers to the married with kids crowd – you occasionally need the escape of a good news story regardless of how much you can empathise.

And that’s where Cameron and Alison come in. Far from being the ‘perfect couple’, their marriage has had its really bad low points (not improved by their high profile careers as a media personality and model respectively). Cameron Daddo even hosted a TV dating show, so you’d think he’d be an expert, right?! But in Separate Bathrooms, you’ll learn that an amateur’s take is exactly what you need to understand the realities of love, and you’ll probably take on a few life lessons along the way.

Step 5 Is Your Dream Home, Sorted.

And last but absolutely not least is by far the most ambitious step (if certain headlines are anything to go by) – home ownership. If you step back from all the dumb memes for a sec, you might actually learn a little about how to pull off your ambitions.

Not to get too inception-y here, but Frasers Property has put together their own five-step to your fantasy home, sharing some actual practical tips when it comes to location, design, and of course budget. In First Home How To, they even go into detail about how environmentally-friendly architecture and construction can save you money in the long run. It’s not as much of a long shot as you think it is!

Get Your Foot In The Door Of Your First Home By Taking Advantage Of Your Tax Return

Gonna make it rain.

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Oh, to be bestowed with that grand honorific of ‘first home buyer’. It can feel like a fantasy sometimes, especially on the day before pay day and there are moths fluttering out of your wallet.

And sure, there are some evil, terrifying “market forces” at work that are absolutely out to get you specifically, to prevent you from ever escaping the clutches of your gross suburban sharehouse that you’re renting with sixteen other young professionals. But newsflash, you don’t have to succumb to them!

There are so many ways to get to that savings goal, and as tax time rolls around, being better informed of your deduction opportunities will have you on the path to a deposit sooner than you think is possible. It’s all about patience, persistence, and arming yourself with knowledge.

Keep your receipts safe

The biggest rule for doing your taxes effectively is to document everything. Which is not easy when you’re running around twenty different stores and you forget to take the receipt from the cashier because we’re on a time limit people!

Don’t let that mindset take hold, because it’s way harder to recuperate equipment expenses without them.

Woah, I can hear all the objections now- it’s too hard to keep those scraps of paper, they get thrown out! They clutter up my wallet! The ink on them fades! These are all valid complaints, but as is always the case, technology has come to the rescue.

Whip out your iPhone, get out the camera app, snap a piccy, and you’re done. Too easy! It’s completely valid to digitise all your invoices, and most of the time even an online transaction statement from your bank will do the trick.

For maximum efficiency, the ATO has even developed an app that lets you take photos, keep records and import into your tax return directly.

Know your industry related deductions

The next step is to get into the habit of treating everything as a potential tax deductible goodie. Having a firm sense of what expenses are unique to your profession and are therefore potential deduction is super important.

Teachers, if you’re buying stationery to use in the classroom every other week, then you can deduct that! Taking students on excursions also counts if you haven’t been reimbursed by the school.

For our tradies, all the tool purchases you personally make are eligible, as is extra safety protection. Heck, even sunscreen is included.

If you’re primarily working out of a home office and you buy a cute IKEA lamp to light the space, that could be eligible, as are your phone and internet bills.

Just started commuting? If you purchase a nice suitcase to carry your work documents and laptop, you can even claim that.

This info isn’t hard to find – it’s all on the ATO website, so take the extra time to go over those fact sheets and you’ll never be burning money again.

Use a high interest account – and commit

Once you’ve scavenged back that extra cash, you need a place to put it that’ll you get some decent profit off, and the easiest way to do that is to use a high interest account, which most of the banks offer.

Admittedly, it’s getting harder to find amazing deals as the big four are trimming off more and more, but even a 2% per annum is not to be sneezed at. If you go the extra mile and switch banks, you might be able to gain an extra percent on top of that.

Beyond that, to make the investment worth your while, you need to completely commit to saving. That means depositing every week, and not succumbing to a tempting deal on a holiday – most bonus rates require you to never withdraw, and regularly deposit.

Banking apps can be a great encouragement. The NAB app, for example, lets you give your account a name (for our purposes, let’s call it ‘First Home Deposit’), set an end date, and then it calculates how much you need to save per week to get there.

And speaking of taking advantage of great opportunities, DreamStart Homes has an offer that’s almost too good to be true. For a limited time, they are giving you up to $10k to get on your way when you build with DreamStart Homes. How will you use yours? Boost your home deposit, pay off debts or cover your rent while you build. 

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