Latest / The Radio From Hell Show - Best Of / Radio From Hell Wellness Check from August 5th, 2025

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Radio From Hell Wellness Check from August 5th, 2025 · The Radio From Hell Show - Best Of

• 0:00
  Speaker 1: It's Elena here. Oh it's Elena Wood. Yes, hi Elena,
• 0:05
  Speaker 1: how are you?
• 0:06
  Speaker 2: Hello? Thank you doing good?
• 0:09
  Speaker 3: Thanks good, good Nightingale College is where Elena comes to us.
• 0:13
  Speaker 4: From, and she's here to talk about tips to improve
• 0:18
  Speaker 4: your financial wellbeing. Please improve my financial wellbeing now, please.
• 0:25
  Speaker 2: Yes, it's a thing that can definitely happen in the
• 0:29
  Speaker 2: snap of the fingers. So we are, we are geared
• 0:33
  Speaker 2: of and I'm ready.
• 0:34
  Speaker 1: To go in just the blink of an eye.
• 0:37
  Speaker 2: Exactly, exactly.
• 0:39
  Speaker 3: Yes.
• 0:41
  Speaker 1: So where do we start?
• 0:44
  Speaker 2: So the first that I have is to do your
• 0:47
  Speaker 2: best to follow the fifty thirty twenty rule. And this
• 0:54
  Speaker 2: recommends that fifty percent of your income goes to needs,
• 0:58
  Speaker 2: thirty percent wants, and then twenty percent to savings. And
• 1:03
  Speaker 2: I realized there's probably going to be some some variation
• 1:06
  Speaker 2: for a lot of folks within this model, but this
• 1:10
  Speaker 2: recommendation kind of helps to ensure that you do have
• 1:13
  Speaker 2: some set aside for savings. It also puts a pretty
• 1:17
  Speaker 2: big amount to needs, which is obviously the priority, while
• 1:22
  Speaker 2: still allowing for a little bit of a little bit
• 1:24
  Speaker 2: of fun in there, so you can go to the
• 1:26
  Speaker 2: movies and have your vacations and things like that.
• 1:30
  Speaker 1: Yeah.
• 1:30
  Speaker 4: I would just say there was just one step you
• 1:32
  Speaker 4: need to have before this, and that is to have
• 1:34
  Speaker 4: an income.
• 1:35
  Speaker 1: You need to have an inpacme to begin with. Yeah,
• 1:39
  Speaker 1: or just.
• 1:40
  Speaker 2: Your inheritance whatever, Well, that's I count that as income.
• 1:44
  Speaker 4: So it's fifty thirty twenty fifty thirty twenty, yes, all right.
• 1:48
  Speaker 2: Now what's next next is to and I probably should
• 1:52
  Speaker 2: have done this one first now that I'm thinking about it,
• 1:54
  Speaker 2: is to pay attention to your account balances, just bringing
• 1:58
  Speaker 2: some awareness to how much is coming in, how much
• 2:01
  Speaker 2: is going out, where it's going, and just paying attention
• 2:06
  Speaker 2: knowing if you have a big bill coming up, things
• 2:08
  Speaker 2: like that, so you can be prepared.
• 2:10
  Speaker 4: I always look at the balances, and as long as
• 2:13
  Speaker 4: there's not a minus sign in front of it, I
• 2:15
  Speaker 4: feel like I'm.
• 2:16
  Speaker 1: Okay, you're good. I'm really good.
• 2:18
  Speaker 2: Yeah.
• 2:19
  Speaker 3: I've noticed that some banks and credit unions help you
• 2:23
  Speaker 3: keep track of this, like if you have their app,
• 2:26
  Speaker 3: they'll break it down for you. You spent this much
• 2:28
  Speaker 3: at restaurants, you spent this much.
• 2:31
  Speaker 4: I don't want to I don't want to know because
• 2:33
  Speaker 4: they also they also break it down in terms of
• 2:35
  Speaker 4: the liquor store and I don't want to.
• 2:37
  Speaker 1: I just don't want to know.
• 2:40
  Speaker 2: Yeah, your bank probably does have a pretty nice kind
• 2:43
  Speaker 2: of built in budget tracker. Mine has a cute little
• 2:47
  Speaker 2: pie grass that I can look at. And sometimes I
• 2:50
  Speaker 2: do need to specify what different organizations are because it'll
• 2:54
  Speaker 2: think something's a restaurant when it was a store or
• 2:58
  Speaker 2: whatever it might be.
• 2:59
  Speaker 4: So, yeah, so yours, your bank has a pie ground.
• 3:02
  Speaker 4: I'm a surprise you spend that much money on pot.
• 3:07
  Speaker 2: Hi is my favorite dessert, which we can get into
• 3:10
  Speaker 2: that later.
• 3:10
  Speaker 1: Okay, what's next.
• 3:14
  Speaker 2: The next tip is to pay off debts in small amounts,
• 3:18
  Speaker 2: giving ourselves kind of early wins by paying off some
• 3:22
  Speaker 2: of those smaller debts to give ourselves a victory, have
• 3:26
  Speaker 2: a little bit of momentum behind us.
• 3:29
  Speaker 1: Yeah, if you have.
• 3:32
  Speaker 4: I had somebody tell me once if you have a
• 3:34
  Speaker 4: you know, high, fairly high interest loans, that it's best
• 3:38
  Speaker 4: to try and pay them off as quickly as you can.
• 3:42
  Speaker 2: Yeah, that interest can really and you know, I think
• 3:45
  Speaker 2: we're seeing that a lot in the economy right now.
• 3:47
  Speaker 2: The high indust rates can really really add up over time,
• 3:52
  Speaker 2: and so if you are able prioritizing those ones, definitely
• 3:56
  Speaker 2: can say the old lot of money in the long run.
• 3:58
  Speaker 1: All right, what's next next.
• 4:01
  Speaker 2: Is to get to know your money mindset. And some
• 4:06
  Speaker 2: people have a lot of fear or anxiety and stress
• 4:10
  Speaker 2: around finances, and some people feel really abundant and lucy
• 4:16
  Speaker 2: lucy with their finances. So just getting to kind of
• 4:20
  Speaker 2: understand from your own history, maybe if you grew up poor,
• 4:26
  Speaker 2: you might have more of a scarcity mindset, if you
• 4:28
  Speaker 2: grew up really affluent, you might have more of an
• 4:31
  Speaker 2: abundance mindset. So just becoming aware of your own feelings
• 4:35
  Speaker 2: around money and how that impacts the way that you spend.
• 4:39
  Speaker 1: Yeah.
• 4:39
  Speaker 4: Even my grandfather ended up being a relatively wealthy man,
• 4:43
  Speaker 4: but he still would always do things like, you know,
• 4:47
  Speaker 4: hush puppies would go on sale at the shoe stool,
• 4:50
  Speaker 4: who if whoever sold touch puppy, and he'd go buy
• 4:53
  Speaker 4: a new pair, even though he didn't need them. He'd
• 4:56
  Speaker 4: go buy a new pair and then put them in
• 4:57
  Speaker 4: the closet in case he needed them in the future.
• 5:01
  Speaker 2: Oh sure, yeah.
• 5:02
  Speaker 1: Yeah, So.
• 5:05
  Speaker 2: I think a lot of us have some patterns like that,
• 5:08
  Speaker 2: and just becoming more aware that can help us to
• 5:10
  Speaker 2: save money over time. If we're buying things that we
• 5:14
  Speaker 2: don't need just because they're on sale, or you know,
• 5:17
  Speaker 2: we might we might need it on a rainy day.
• 5:19
  Speaker 1: Yeah.
• 5:21
  Speaker 2: What's next next is to do your best to make
• 5:26
  Speaker 2: financial decisions when you are feeling calm, So trying not
• 5:32
  Speaker 2: to make those purchases when you're feeling stressed, you're feeling
• 5:36
  Speaker 2: urgent about them, but giving yourself a moment to kind
• 5:39
  Speaker 2: of step back, take a breath, get yourself centered, and
• 5:45
  Speaker 2: not make decisions out of fear and stress.
• 5:48
  Speaker 4: You know, it's hard, it's hard to do. And then
• 5:51
  Speaker 4: you think, I've got medical bills coming up.
• 5:56
  Speaker 2: Yeah, and if you already are feeling stressed around finance says,
• 6:00
  Speaker 2: it's it's a difficult place for sure. Which my final
• 6:04
  Speaker 2: step is to consult an expert. Reach out to your
• 6:08
  Speaker 2: four A one key advisor, go into your bank and
• 6:10
  Speaker 2: talk to the loan manager whoever you can find that
• 6:13
  Speaker 2: has these expertise, try and connect with them and get support.
• 6:18
  Speaker 4: Yeah. Usually there are people that you don't have to
• 6:20
  Speaker 4: pay extra for it. There are people available to help
• 6:24
  Speaker 4: counsel you financially.
• 6:27
  Speaker 2: Yes, yeah, absolutely.
• 6:29
  Speaker 4: All right, all right, Elena would if people want to
• 6:32
  Speaker 4: find out more about all of this stuff that we
• 6:34
  Speaker 4: don't like to think about where do we go?
• 6:37
  Speaker 2: You know you can learn more about this, as well
• 6:40
  Speaker 2: as Nightingale's amazing programs by visiting Nightingale dot EDUK.
• 6:45
  Speaker 1: You very much