Show #206 – Budgets Don’t Work: Low Tox Money with Melissa Browne

LISTEN TO THIS WEEK’S SHOW ON iTUNES, STITCHER OR SPOTIFY OR LISTEN RIGHT HERE:

Love our new show tune in the intro/outro? It’s talented Australian independent artist Melanie Horsnell’s song “Birds”. So proud to support this wonderful Aussie artist and have her grace the show with her wonderful words and song!

Low Tox Club – the place to bring your low tox life to life

Want to join a community of like minds and enjoy all the perks of being in the Low Tox Life inner circle such as an online membership platform, 50% off all our Low Tox courses, an awesome chat group, my monthly Q&A, and special guest star interviews for just $49AUD ($29USD/28EUR/23pounds) per YEAR? We have created a special place and set of resources to help you achieve your goals and it’s a wonderful place to be – more details and registration here: https://www.lowtoxlife.com/the-low-tox-club/

And on this week’s show!

Have you ever done a strict money budget and been really ‘good’ only to then spend-binge afterwards because you were so good and then the guilt and shame come flooding in? Turns out budgeting and diets have a lot in common both in the feelings that come up and the failures so many people experience in undertaking them. Mel Browne, accountant, and financial adviser extraordinaire is back on the show to step us through how we might get to know ourselves better financially so that we can play to our strengths and reduce money stress (show #90 is also very much worth a listen if you missed her first appearance).

Enjoy and tell me what you thought! Alexx x

The questions I asked Melissa:

  1. New book – hooray! Why did you feel this one needed to be written?  What were you seeing in client’s and your social community’s continued challenges that made you want to ‘answer’ them with this?
  2. Let’s talk diets and what they have to do with finances: aka ‘budgets’ – Feels like you throw us all a comfy blanky when you say they don’t work. We kind of knew it all along. You save and are really ‘good’ for a month or even a year, and then boom because you’ve been so ‘good’ you feel deserved in your splurging. So is the same psychological stuff at play here?
  3. How can we stop self-sabotaging when it comes to money?
  4. What can we do when we become paralysed with stress around money? How do we pluck ourselves out of that so we can effectively move forward?
  5. What can we do to reframe so that saving and building assets steadily as we go along, becomes a fact of life – just something that we know how to do and that we ACTUALLY do!?

Other helpful links:

Know more about Melissa and her works: themoneybarre.com.au and melissabrowne.com.au

You can also grab a copy of Mel’s new book, out now – Budgets Don’t Work (But This Does) 

Follow her on Instagram @moremoneyforshoes and on Facebook.

This week’s Show Sponsors

We have 2 show sponsors this week!

First up is BlockBlueLight, a premium supplier of all things blue light blocking. After experiencing and then researching the harmful effects artificial light has on our sleep and health, we went about designing and creating the most effective devices and tools to allow us to stay healthy and safe while still living with and using modern technology.

Check out their full range of blue light free lighting ranging from light bulbs, down-lights, night lights, book lights, and sleep lamps.

Night-time blue-blocking glasses that block 100% of light that impacts of melatonin production.

Daytime blue light glasses designed to filter out the harmful wavelengths of light responsible for eye strain, headaches, and eye damages.

Their 100% light blocking sleep mask can be fully adjusted to any size or shape head ensuring 10% light block out every-time.

Offer: 15% off all products sitewide

Code: LOWTOXLIFE

Another one is an amazing company with more than 90 years of experience in manufacturing natural skincare products, Weleda.

In harmony with nature and the human being – Weleda is committed to treat nature in a responsible and caring way. The ingredients for our products are either grown in our own biodynamic gardens or cultivated by our fair trade partners around the world. All our skincare products are 100% certified natural by NATURE and are cruelty-free.

Offer details: 15% off entire Weleda range (free delivery over $49.95) *excludes gift packs and promotional items / valid until 8th Nov

CODE: LOWTOXLIFE

Get 2 x Firming Facial Care sets including the new Firming Facial Oil (value $221.75 each) 

SHOP HERE

They’re also launching their new Weleda Pomegranate Firming Facial Oil as part of the bestselling Pomegranate Firming Facial Care range.  

Composed of eight organic plant oils – argan, macadamia, pomegranate, sesame, safflower, apricot, avocado, and jojoba – this oil intensively nourishes, firms, and activates cell renewal. 

This rich formula is like liquid gold. Tackling lines, wrinkles, and dull skin, whilst also providing antioxidative action and antipollution properties to actively defend skin from harmful external influences. Visibly firmer, smoother skin and an instantly radiant complexion glowing with energy is just a drop away. 

Lightweight quickly absorbed and non-greasy this versatile beauty oil can easily be added to any daily skincare routine. Used as an intensive treatment or as a natural booster enriching any moisturising cream. 

The formula is 100% NATURE certified natural, dermatologically tested, and suitable for vegans. Like all Weleda products, it is free from microplastics and the packaging is recyclable*. Ingredients are sourced ethically and with respect for people and biodiversity, certified by the Union for Ethical BioTrade (UEBT).

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Enjoy the show and thanks again for taking the time to rate and review the show on your app – it’s like tipping the bartender and it means the world.

Low Tox. Happy us. Happy planet

 

Comments 94

  1. ” You would absolutely love to win this pack, cuz I know you would! ”

    That’s what we were supposed to say right? No, but seriously I bought the Weleda ‘skin food’ on your suggestion and I was so so so thrilled with the product! My Nana hands (from gardening and too many dishes) were looking ancient and sounded like sandpaper when I rubbed them together but they are now starting to look like they belong to their 33 year old owner ☺️ Unfortunately my skin is not as firm as it should be due to years of drinking, smoking, late nights and way too much sun exposure in my earlier years! It has definitely improved with my new low tox lifestyle but I would absolutely love to give it a little boost and step up with this pack!!!
    I’d also just like to take this opportunity to sincerely thank you for turning my life around for the better in almost every single way possible. I understand my mind and my body and my health so much more now and that of my 3 year old boy also. I look forward to every Monday to see what you have for us and it’s always so helpful, relevant and interesting. Many thanks x

    1. Thanks for entering, Sarah. Be sure to tune in to the show next Monday when Alexx announces the winner 🙂
      – Steph, Low Tox Life

  2. Morning – “I would love to win this pack” – it sounds amazing.

    I haven’t tried any Weleda products yet, as I’ve been trying to make my own skincare – which is great, but would also be good to have and try some brands where I don’t have to make it all the time. Having a balance between this is great, and getting to know some trusted products.

    I hope you have a great day
    Erin x

  3. Hi Alexx and team,

    I would love to win one of the Firming Facial Care pack. I have been using the Skin Food and the Light Skin Food for many years ( I always take a small tube with me when I go on multi day hikes) , but am yet to try other products in the Weleda range. I am 57 years “young” but my skin could certainly do with a bit of firming! 🙂

    Many thanks
    Dominique

    1. Thanks for entering Dominique, be sure to tune in to the show next Monday when Alexx announces the winner.
      – Steph, Low Tox Life

  4. Hi, I would love to win the Weleda Firming Facial Care kit, I use the Skin Food and love it, I have heard you talk previously about the eye cream and would love to try it as well as the Firming Oil.
    Thanks
    Joan

    1. Thanks for entering Joan, and be sure to tune in to the show next Monday when Alexx announces the winner.
      – Steph, Low Tox Life

  5. Hey Alexx! I would love to win one of these packs, because Kate and I use Weleda already and she deserves to pamper herself as she is busy growing our second Bub, due in December. Fingers crossed. Hope you’re well

    Mike

    1. Aww nice Mike. Thanks for entering and be sure to tune in to the show next Monday when Alexx announces the winner.
      – Steph, Low Tox Life

  6. I would love to win this pack to share with my daughter and daughter-in-law, to help encourage them in their journeys of choosing life-giving products, and showing them what it looks like to invest in companies which value humanity in every step of their production….how we can make change with every choice, and the quality this integrity produces in our lives…………(.might keep a couple of those firming wonders for me though!!)

    1. Thanks for entering Victoria! Be sure to tune in to the show next Monday when Alexx announces the winner.
      – Steph, Low Tox Life

  7. Hi lovelies, I would love to win this pack. 🙂

    And this show was awesome. I’m rushing out to grab the book now.

    1. Thanks Emma Be sure to tune in to the show next Monday when Alexx announces the winner.
      – Steph, Low Tox Life

  8. I would absolutely love to win this pack too! And share it with my Mum.

    I introduced her to Skin Food which we both loved so much I convinced my local health store to stock more of the range. Trying the Pomegranate Firming Facial Care pack might give me more incentive to increase their stock again.

    Thanks for all the great insights, as usual.

    1. Thanks for entering Bree! Goodluck and be sure to tune in to the show next Monday when Alexx announces the winner.
      – Steph, Low Tox Life

  9. Hi
    I would also love to win the Weleda pack. You have introduced me to the amazing Weleda products during your Low Tox course. I love the Skin Food Butter and lip balm and have tried the Rose night cream following on from your recommendation. Would love to try the Pomegranate Firming pack as I will need all the natural help I can get, turning 53 in December 🙂 :). Either way, your sharing of fabulous products and ideas have transformed my little family’s life – thank you xx

    1. Thanks for entering Maria! Be sure to tune in to the show next Monday when Alexx announces the winner.
      – Steph, Low Tox Life

  10. I would absolutely love to win one of these Weleda packs – my poor, post-Winter skin is dying for some seriously good care and hydration. Love trying new products and finding new brands to love!

    1. Thanks for entering Naomi! Be sure to tune in to the show next Monday when Alexx announces the winner.
      – Steph, Low Tox Life

  11. I would love to try this range, I’ve been using the rose range but need something more for those lines that are starting to appear and these looks fantastic.

    1. Finger crossed for you, Kristy 🙂 Be sure to tune in to the show next Monday when Alexx announces the winner
      – Steph, Low Tox Life x

    1. Finger crossed for you, Belinda. Be sure to tune in to the show next Monday when Alexx announces the winner
      – Steph, Low Tox Life

  12. I love Weleda! I currently use Skin Food and Rose Calendula daily and would LOOOOOVE to try some more amazing products from their range! Thanks for introducing me to these products Alexx!

    1. We do too! Be sure to tune in to the show next Monday when Alexx announces the winner
      – Steph, Low Tox Life

  13. The skin food cream is fondly known as the green cream in our house and goes on anything that needs healing. I get given it every mother’s Day which I think is apt as I am always using in my mothering tool kit, “let’s put some green cream on it”. I also just gifted my eldest 15years with her own lighter green cream to start to have her own. What I would like is to try the new pomegranate range so that the family can gift me something just for me each year. Pick me

    1. It’s the best, isn’t it?! Be sure to tune in to the show next Monday when Alexx announces the winner
      – Steph, Low Tox Life

  14. Hi Alexx, Would absolutely LOVE to win the Weleda Firming Facial Care packs as a bit o’ liquid gold would go down very very well. Creeping up to 60 now and I’m finding the skin is needing a lot more attention than previously!!
    Already loving Weleda with the Body Butter, deodorants and currently using the Evening Primrose for my face.
    Fingers crossed.
    Thanks so much 🙂

    1. Thanks for entering Jacqui! Be sure to tune in to the show next Monday when Alexx announces the winner
      – Steph, Low Tox Life

  15. Hi Alexx

    Like everyone else here I would love to win this pack. Your passion for this brand and their products is contagious and I would love to try it. Here’s to gently holding back those wrinkles ethically, organically and with gratitude!

    Thank you for all that you do and all that you give 🙂

    1. Fingers crossed Diahann! Be sure to tune in to the show next Monday when Alexx announces the winner
      – Steph, Low Tox Life

    1. Thanks for entering, Toni! Be sure to tune in to the show next Monday when Alexx announces the winner
      – Steph, Low Tox Life

  16. Hi Alexx! Thank you so much for this podcast – It resonated with me and I really enjoyed it!
    I would LOVE to win the weleda skincare pack (it sounds incredible).
    I have used skin food before and loved it, found it incredibly nourishing.
    I would love the chance to try their new range and to also feature it on my page @conscious_sanctuary

    Olivia Dale x

    1. Thanks for entering, Olivia! Be sure to tune in to the show next Monday when Alexx announces the winner
      – Steph, Low Tox Life

  17. Hi Alexx and team!
    I would ABSOLUTELY love to win this pack!!!!!
    Haven’t used Weleda yet but would love to!
    Thanks for you great work
    xx

    1. It’s so great Marie. Thanks for entering! Be sure to tune in to the show next Monday when Alexx announces the winner.
      – Steph, Low Tox Life

  18. Hello Alexx and Team!
    The Weleda firming pack sounds amazing and great intro to this brand which I have never tried. I am going to grab the skin food straight away and take advantage of this months offer but would love to win this pack.
    Love Elles xx

    1. Thanks for entering, Lynn! Be sure to tune in to the show next Monday when Alexx announces the winner 🙂
      – Steph, Low Tox Life

  19. Alexx
    I would LOVE to win the pomegranate Weleda skin firming toolbox .
    I love the Weleda skin food and I know that this kit would make my newly Hyperthyroid ravaged skin shin again.
    Thank you for what you do!
    Kate

    1. Thanks for entering, Katrina. Be sure to tune in to the show next Monday when Alexx announces the winner 🙂
      – Steph, Low Tox Life

  20. Ah! I NEED to win this pack – I have two pocket rocket kidlets under the age of 4!
    So I’m starting to get bit crinkly
    Plus I’m turning 40 next year so every little bit helps and the Weleda ranges are just sooo lovely.
    Fingers crossed.

    1. Eeek! We need to get you some Weleda, stat! Be sure to tune in to the show next Monday when Alexx announces the winner 🙂
      – Steph, Low Tox Life

  21. I haven’t put a drop of skin products natural or otherwise on my face for a good 12 months. This 5 weeks post partum mumma needs some help and guidance by weleda!

    1. Aww, you certainly do Alanna! Be sure to tune in to the show next Monday when Alexx announces the winner 🙂
      – Steph, Low Tox Life

  22. I would love to win this pack! I have used the Weleda baby range for 7 years and the throat relief oral spray is a godsend for winter sore throats. I am yet you use their skin care. A perfect chance to try it

    1. Fingers crossed for you, Jo. Be sure to tune in to the show next Monday when Alexx announces the winner 🙂
      – Steph, Low Tox Life

  23. Hi Alexx and team 🙂

    I would love to win this pack!!! Even thought I turn 34 this week, I have only just started looking after my skin properly over the past few months. So many friends have encouraged me to try the skin food because I’m obsessed with natural products. I’ve been patiently waiting for my current moisturiser to run out, to start on the Weleda products so this would be the most appreciated gift.

    Thanks for your podcast
    I love listening every morning on the way to work 🙂

    1. Great that you’re starting to take care of your skin, Tiara! Be sure to tune in to the show next Monday when Alexx announces the winner.
      – Steph, Low Tox Life

  24. Hi! I would love love love to win this prize pack. I have used their range on my kids for a couple of years now and it is just amazing. I recently started using a few things on myself, so it would be amazing to be able to try out some other products and feel spoilt!
    Thanks for a wonderful podcast, I really enjoy it.

    1. Thanks for entering Miranda, be sure to tune in to the show next Monday when Alexx announces the winner.
      – Steph, Low Tox Life

  25. I would love to win this prize pack
    I am so grateful to be home with my four beautiful young children, but let’s face it, I need all the help with self care that I can get

    1. Don’t we all, Natalie! Be sure to tune in to the show next Monday when Alexx announces the winner.
      – Steph, Low Tox Life

  26. I would absolutely love to win this Weleda pack. Just trying to recall how you spoke about wrinkles in the podcast Alexx, something about not needing to be best friends with them just yet at age 45 (I’m 48 and with my dry skin, wrinkles are moving in speedily).

    Loved this podcast, really resonated with the idea of discretionary spending being accompanied by an equal super contribution to help decide if the purchase is actually needed. A win/win concept indeed.

    Thank you!

    1. We’re glad to hear it resonated with you Kylie 🙂 Be sure to tune in to the show next Monday when Alexx announces the winner of the Weleda prize.
      – Steph, Low Tox Life

  27. I had no idea weleda was linked to Steiner!!! Definate whaaatttt???!!! moment for me. Very high on my want list now! Thanks Alexx!!

    1. Cool fact, right?! Be sure to tune in to the show next Monday when Alexx announces the winner of the Weleda prize.
      – Steph, Low Tox Life

    1. Agghh! Fingers crossed for you, Cathy! Be sure to tune in to the show next Monday when Alexx announces the winner.
      – Steph, Low Tox Life

    1. Agree! Be sure to tune in to the show next Monday when Alexx announces the winner 🙂
      – Steph, Low Tox Life

    1. Good luck, Jen! Be sure to tune in to the show next Monday when Alexx announces the winner!
      – Steph, Low Tox Life

    1. Thanks Pia, be sure to tune in to the show next Monday when Alexx announces the winner!
      – Steph, Low Tox Life

  28. Hi Alexx,
    I just loved this podcast this week, thank you
    As for the Weleda gift pack…I would love to be one of the lucky winners!! I am in a skin care rut at present and need an overhaul !!
    I’ll keep my fingers and toes crossed

    1. Crossing them for you Jade 🙂 Be sure to tune in to the show next Monday when Alexx announces the winner.
      – Steph, Low Tox Life

  29. I would love to win the Weleda gift pack. Any help to eliminate wrinkles and firm the skin is greatly welcomed. Love any Weleda products and don’t even have to investigate the ingredients as I trust this brand whole heartedly. Thankyou.

    1. Hey Karen, thanks for entering! Be sure to tune in to the show next Monday when Alexx announces the winner.
      – Steph, Low Tox Life

  30. I would love to win one of the Firming Facial Care pack. I am currently using the Weleda Firming Face Serum and Moisturising Cream, but would love to try the oil and other products

  31. I would love to win this pack, it sounds AH-mazing!! The facial oil sounds divine and probably just what my (everyone’s) skin needs!

    I am a Skin Food body butter lover…that stuff is the ONLY product that helps my dry hands (that are in and out of water all day) immediately and is the only product I have noticed a huge difference in my skin! Love love love it! Weleda is a company that I recommend to everyone when I get the chance.
    I absolutely love the podcast too and learn so much! I have made so many improvements to our lives from the trustworthy information every week and it is hands down my favourite podcast that I love to binge listen to!
    Thanks for your amazing work Alexx!!

    1. Thanks Penny! Be sure to tune in to the show next Monday when Alexx announces the winner.
      – Steph, Low Tox Life

  32. I would be thrilled to bits to win this prize. I love Weleda and everything it stands for. It can turn any old lizardy skin into butter smooth! And just feels great to put on your skin that which you’d happily put in your mouth. A great company – worth supporting and promoting ❤️❤️

    1. It’s the best isn’t it?! Be sure to tune in to the show next Monday when Alexx announces the winner.
      – Steph, Low Tox Life

    2. Post
      Author

      CONGRATULATIONS for winning last week’s giveaway, Kerri! I’ve announced you as one of the winners in this week’s podcast!

  33. Hi Alex, I’d truly love to win one of the Pomegranate firming facial sets. Having been put back onto high level steroids, immunosuppressants and oral chemo for my chronic auto immune diseases I’ve noticed so many changes these medications have made to my skin – none of which have been kind (dryness, puffiness, swelling, dark circles, blemishes etc).
    Long time lover of Weleda after being introduced to them through your Low Tox Life course and hubby and I now have quite a lot of their range in our routines.
    Fingers crossed! Xo

    1. Thanks for entering Amy! Be sure to tune in to the show next Monday when Alexx announces the winner.
      – Steph, Low Tox Life

    2. Post
      Author
  34. What a wonderful prize. Love Weleda!
    The whole family has their favourite product: my partner = Skinfood (slathers all over his face of an evening, groaning with delight. Seriously, if I couldn’t see him I’d wonder what he was up to! ), 12 yr old daughter = Almond/sensitive cleansing lotion & moisturising lotion (she feels so grown up, & I feel good knowing she isn’t ruining her beautiful, clear, pre-teen skin), & I love the calendula face cream = I know it’s designed for babies, but my temperamental skin (rosacea, acne, & wrinkles, WINNER!) loves it, gently hydrating & gorgeous

    1. Aww awesome Rachel, glad you love the products! Be sure to tune in to the show next Monday when Alexx announces the winner.
      – Steph, Low Tox Life

  35. Hi Alexx,

    Thanks so much for introducing me to the Weleda skin care range this year. I absolutely love their products. I am using their citrus deodorant, skin food, and skin food light creams. I have now got my Mum and sisters using this range too. It feels so good to be supporting such an ethical company. I am still working on converting my partner so last week I bought some moisturiser from the men’s range for him. Wish me luck!!

    I turned 32 this year and this is the first year I noticed wrinkles appearing!! I would love to win this pomegranate firming pack. Hopefully I can find my new favourite skincare product to add to my daily skincare routine.

    Thanks again for your awesome podcasts each week and a huge shout out to Weleda for having such delicious skincare products which support the earth.

    Have a great week.

    Sophie xx

    1. Thanks for entering Sophie! Be sure to tune in to the show when Alexx announces the winner.
      – Team Low Tox Life

    2. Thanks for entering Sophie, be sure to tune in to the show next Monday when Alexx announces the winner.
      – Steph, Low Tox Life

  36. Good evening Alexx and team!
    I would love to win this Weleda gift pack as a self care ‘thank you’ gift for getting through the past 6 months in lockdown in Melbourne homeschooling a preppie and Grade 2 whilst juggling my own full time job!
    It’s been a wild ride and there has been little in the way of indulgences this year. This pack would definitely put smile on my face and I know my skin would thank me for it!
    Jean

  37. Hello and thank you for your informative and extremely relevant podcast series.
    I am peri-menopausal and have noticed a huge change in my skin. I would LOVE to try this Weleda pack and have all my bits crossed! Thank you

  38. I was delighted to here Alexx speak yesterday at Empower whole foods. It’s not often we are blessed with such a knowledgeable speaker on the South Coast of NSW. I am 61 years of age and very new to a Low Tox Life. Alexx is correct that I grew up in an era where it was socially ingrained that you don’t question or look further into how things are made and what they are made of.

    I would love to try some of the Weleda products to help promote my new journey.

  39. I would absolutely love to win this pack! I love the weleda products and their philosophy . My particularly favourite products are the skin food body butter, pomegranate firming day cream and the skin food lip balm!

    Great episode Alex xx

  40. Another great podcast. Thanks Alexx.

    I would love to win this pack. Love Weleda products and the face oil sounds amazing xx

  41. Would absolutely love to win this prize pack! I’ve used some of my mum and sister’s Weleda products before and am totally amazed by them! This prize pack looks incredible!

  42. Hello. I would love to win a Firming Facial Care set.
    My week is spent as a busy carer for my adult son who has an intellectual disability and this would be something ‘just for me’ for a change…

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