Recently Carly and Kelly asked their Straight and Curly group on Facebook if there were any topics they particularly wanted them to cover and 'Budget Hacks and Tips' was something lots of people voted for. Today's episode first shares the concept of spenders vs savers (and Kelly reveals, to Carly's surprise, that she is a spender!) Then the girls then share their 10 best tips for managing finances and staying away from, or at the very least, on top of, debt. Things they cover: 
Everything except food and rent is a luxury 
If you can’t pay cash for it, you can’t afford it
Check your credit card statements diligently every month
Decide where you’re going to cut corners
Stop automating your payments
Consolidate your many small debts into a single one
Have your employer split your pay
Have a budget
Find different friends
Sometimes it's easier to make more money than it is to keep trying to cut expenses.

Resources
Some info on spending and saving
The difference between savers and spenders  For more info on Kelly and Carly, and to see any links or resources mentioned in today’s episode, head over to www.straightandcurly.com or come join the Straight and Curly group on Facebook. 

<div>Recently Carly and Kelly asked their Straight and Curly group on Facebook if there were any topics they particularly wanted them to cover and 'Budget Hacks and Tips' was something lots of people voted for.</div>
<div>&nbsp;</div>
<div>Today's episode first shares the concept of spenders vs savers (and Kelly reveals, to Carly's surprise, that she is a spender!) Then the girls then share their 10 best tips for managing finances and staying away from, or at the very least, on top of, debt.</div>
<div>&nbsp;</div>
<div>Things they cover:&nbsp;</div>
<div>
<ol>
<li>Everything except food and rent is a luxury&nbsp;</li>
<li>If you can&rsquo;t pay cash for it, you can&rsquo;t afford it</li>
<li>Check your credit card statements diligently every month</li>
<li>Decide where you&rsquo;re going to cut corners</li>
<li>Stop automating your payments</li>
<li>Consolidate your many small debts into a single one</li>
<li>Have your employer split your pay</li>
<li>Have a budget</li>
<li>Find different friends</li>
<li>Sometimes it's easier to make more money than it is to keep trying to cut expenses.</li>
</ol>
<p><strong>Resources</strong></p>
<ul>
<li><a href="https://www.gsb.stanford.edu/insights/researchers-how-do-you-encourage-saving">Some info on spending and saving</a></li>
<li><a href="http://www.moneycrashers.com/psychology-of-money-saving-spending-habits/">The difference between savers and spenders&nbsp;</a></li>
</ul>
</div>
<div>&nbsp;</div>
<div>For more info on Kelly and Carly, and to see any links or resources mentioned in today&rsquo;s episode, head over to&nbsp;<a href="http://www.straightandcurly.com/" shape="rect">www.straightandcurly.com</a>&nbsp;or come join the <a href="https://www.facebook.com/groups/straightandcurly/">Straight and Curly group on Facebook</a>.</div>
<div>&nbsp;</div>

A weekly podcast for people who are obsessed with self improvement. Carly Jacobs and Kelly Exeter road test a different life hack each week and will tell you whether it’s awesome or a total waste of time.

Straight and Curly

The podcast for self-improvement junkies. Each week Carly Jacobs and Kelly Exeter chat about their best productivity tips and tactics, road test life hacks and answer questions from fellow self-improvers in their Straight and Curly group on Facebook. If you're looking for practical ways to live your best life - this is the podcast for you.

Are you a spender or a saver? Kelly and Carly offer their best budget hacks in this 2-part series on money.

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