James (Host - Lighthouse Financial Advisor)

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2,966 appearances 15 recordings 1 series first heard Jul 2026 last heard 20 Aug

James (Host - Lighthouse Financial Advisor)’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 15 in all, peaking in Aug 2026 with 9.

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Cheques and Balances · Building an Emergency Fund in a Cost of Living Crisis | Episode 522 · 11 Aug 2026 podcast

Once you understand what you've historically spent and you've assessed it, then you need to move on to go to what do I actually want to spend moving forward. voice-verified

Um we've got a budget template that we use at Lighthouse. voice-verified

We'll put a voice-verified

Link to the budget in the show notes. voice-verified

Um, and then if you want to download that, start to work through that. voice-verified

That's what we work through with our clients as a good starting point. voice-verified

So you've got to write down not just what's historically happening, because uh the goal is going, how can I get better going forward? voice-verified

But then it's write down what is my actual goal? voice-verified

What am I trying to work towards? voice-verified

Make sure it's realistic and like sometimes people just like go too hard at this too early and then they set themselves up for failure. voice-verified

Um, the other thing you might be able to do to get a little bit of cash is look around the house and go in, I don't know about you, but I've got a um I don't want to call my wife a hoarder, but she likes to keep stuff longer than I would like to keep stuff. voice-verified

I I want like a simplest I mean, I've got two kids, so like I've got a bunch of stuff in my house. voice-verified

Yeah. voice-verified

But um look around the house, go, is there anything you can get rid of? voice-verified

Put on Facebook Marketplace, trade me, get a couple of bucks. voice-verified

the bricks you borders are. voice-verified

I'm not gonna give you um feedback on your taste. voice-verified

I think Mike if we move back towards like what are some practical tips people can take away to bring down some of their expenses. voice-verified

The first thing is like uh with a lot of clients we see they've got a lot of subscriptions. voice-verified

Yeah. voice-verified

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