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Welcome to The Broke Generation – a resource for Millennials and Gen Ys  who need to learn how to get financially fit. We probably should have learned all this at school, but apparently the curriculum was too stuffed full of essential modules like uselessly complicated algebra and that must-know Greek mythology unit. Luckily, The Broke Generation is here to get you up to speed.

The Broke Generation is headed up by me, Emma. I’m a serial spender, living a life rich with nothing but financial regret. I dry my tears on receipts for items I didn’t need, and can be found transferring $5 from my savings account while in the queue for my daily almond capp.

It’s taken me 27 years, but recently something clicked. The importance of being smart with my money finally became more obvious to me than my need for another ‘nice top to go with jeans’. For the first time in my life, I’ve got a bit of money in the bank and have bought an actual apartment with my boyfriend. We managed that on an average salary and without giving up our whole lives.

I want to help other young people get their finances to a place where they can save and enjoy life. Basically, I want us all to be able to buy property and eat avocado on toast while we do it. You won’t find me telling you to stop shopping and to customise old clothes instead (is this 2001?). It’s about being nifty, not thrifty. If we make smart money moves on the borrrrring stuff, and find new ways to make our money work harder, we can still have everything we want.

Through a series of guides, exercises and challenges, we’ll unfuck our finances together, and gradually build up the savings we’ve been pissing up the wall for most of our twenties. If you need help sorting out your attitude to money, you’re in the right place.

#NiftyNotThrifty

Oh, and a little of the legal stuff. Advice, tips and any opinions you find here at The Broke Generation are of a general nature only and are not intended to be taken from an advisory perspective. Always consult a qualified financial planner for advice on your own specific circumstances.