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The Curve

How to Set Up Multiple Bank Accounts for Better Budgeting.

03 Jun 2026

Transcription

Transcript generated automatically by AI and may contain errors.

Chapter 1: What is the main topic discussed in this episode?

1.533 - 20.838 Victoria Harris

Welcome to IOU Some Money Education. So this is a brand new podcast series where you can learn everything that you need to know to be better with your money. We also have IOU The Practical. This was filmed with Lucy Blackiston, who is the founder of She Should Care About. And she's kind of like the student that will be learning alongside you. So she asks heaps of different questions.

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Chapter 2: What inspired Hannah's journey with money management?

21.359 - 28.148 Victoria Harris

And we go through everything from how to split your pay, how to get out of debt, the whole shebang. You can find all the details in the podcast show notes.

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28.128 - 33.498 Hannah Koumakis

Coming up on this episode, I'm going to be talking about how I split my money off into my 16 different bank accounts.

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33.518 - 41.092 Victoria Harris

16 is a lot, but I will say you changed my mind by the end of it. I think I'm going to be reassessing how I split my pay. Yes.

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41.392 - 47.824 Hannah Koumakis

And also we're going to be talking about how to create a budget and also like what categories you should also create for your budget.

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47.804 - 73.103 Victoria Harris

and what I will say I think this episode's really good you may have a budget you may already be doing this you may have done IOU the practical you can always learn something new and I loved the background that Hannah gave she grew up pocket money system I mean she was seven when she learned about money guys so like she knows what she's talking about um but yes enjoy this episode and if you would like to find any more details about Hannah or about IOU the practical you can find those in the podcast show notes this is an episode that you do not want to miss

Chapter 3: How did Hannah's relationship with money change while in London?

73.083 - 82.894 Victoria Harris

This episode of IOU, Some Money Education, is proudly brought to you by the Bank of New Zealand. When you're just starting out, managing your money should feel easy so that you can focus on winning at whatever you're doing.

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83.075 - 89.001 Sophie Hallwright

Whether you're flatting, saving to travel, or making a career move, they have all the tools to help you master your money from the get-go.

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89.242 - 102.357 Victoria Harris

Thanks so much to the Bank of New Zealand for making IOU, Some Money Education, possible. Don't forget to check out IOU The Practical Lessons to put what you're learning into practice. Find the details in the podcast show notes. Hannah, thank you so much for being here.

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102.397 - 110.325 Victoria Harris

I feel slightly embarrassed at the state of the studio, given the one that we've both been on with our friend Francis Cook, who has the most gorgeous... This is stunning.

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Chapter 4: What is the significance of budgeting and why does it matter?

110.405 - 111.867 Victoria Harris

I love it.

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Chapter 5: How can I effectively split my money across multiple bank accounts?

111.887 - 119.735 Victoria Harris

If people could see behind the scenes, there is cords everywhere. There's masking tape. It looks very chic and elegant on the camera.

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Chapter 6: What practical steps can I take to implement a budgeting system?

119.755 - 129.145 Victoria Harris

But behind the camera, there's a bedhead leaning up against the wall. But so excited to have you here. So IOU is our brand new podcast. Mm-hmm.

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Chapter 7: What should I do with extra money after budgeting?

129.125 - 132.008 Victoria Harris

which we're doing for beginners of all ages, really.

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Chapter 8: How do I manage my finances when I hit my spending limit?

132.228 - 147.845 Victoria Harris

I mean, honestly, mainly for people who have like left school and never been taught how to budget or think about money or investing, etc. Like all the things that I wish I learned at school. However, you have a really interesting story with money, which we're going to get to in a second.

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148.065 - 170.175 Victoria Harris

But for anyone that's new here, if you like what you hear and you would like to learn more, we have IOU The Practical and you can find all of the details in the podcast show notes. So for the next three episodes, we have the lovely Hannah joining us. And it's quite funny because the whole point of bringing in a guest for IOU is for them to ask me or me and Vic questions.

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171.096 - 189.867 Victoria Harris

And the kind of tables are flipped a little bit here because Hannah is actually so amazing when it comes to money. And a lot of the content that she's done online is all about how to budget and has had the most interesting, unique audience. I'm honestly fascinated by your story, so I'm really excited to get into it. Can you just give a bit of an overview?

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190.549 - 211.966 Hannah Koumakis

So my name is Hanukkah Marcus. I'm a busy gal, so basically whenever I am telling people what do I do, I just basically say, look, I'm busy. You know, everyone's busy though, but I do showcase it. Maybe a little bit more because I am online. But I run a few different businesses. So sometimes I forget them. So I do have to count them off my head.

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211.986 - 226.328 Hannah Koumakis

I actually launched a women's charity called Dear Community. Which is something that I do pretty much full time. And it is my heart and soul. I feel like the reason why I'm here on this earth is for Dear Community. And I love it so much. But it's basically a space for women to come together and connect.

226.308 - 251.758 Hannah Koumakis

because I realized I was like it's so hard to make friends it's so interesting isn't it because I think the idea of making friends as an adult is so different I feel like there's not much of an emphasis on community when you're an adult and unless you are you're a part of a cool gym or you've got a cool workplace or a church or you know a group literally how do you make friends like seriously how do you make friends and so I had this realization one day back in 2022 and I was like oh my gosh I want to go play laser tag but I have no friends

251.738 - 267.825 Hannah Koumakis

And so I was like, why is there no groups out there that is all about like connecting people? And so I wanted to create something like vibey and aesthetic. Going out to meet people is kind of seen as like weird. It's like, oh, it's like kind of strange to go and meet someone. But I wanted to make it like socially accepted. Which I think is a new concept for New Zealanders.

268.226 - 281.506 Victoria Harris

Because we're quite clicky in New Zealand. There's a lot of cool clacking around. I must say, I do love that about London. I love the idea that you can be... So anonymous. So this is one of your businesses, Deer Community.

281.526 - 293.639 Hannah Koumakis

Yeah, so Deer Community is a charity. So I'm the CEO of the charity, but it's not a business. It's not something that I personally make money from. But that is one of the things that takes up most of my time and I love it. I'm so passionate about it.

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