PODCAST · society
Adding Up
by Serena Dot Ryan
Serena Dorothy 'Dot' Ryan is an award winning Entrepreneur, Marathon Runner and Digital Marketing Strategist.After spending most of her adult life in debt, it wasn’t until Serena started working with Accountants and Cloud Accounting Service Providers that she saw how important it was for her to take control of her finances.October 2018 she decided to re-write her future, get financial education and become debt free. Consistent small changes are adding up.Listen as Serena shares her personal finance journey.
Episodes
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Ep.100 Adding Up - The Power Of Documenting
Ep.100 Adding Up - The Power Of Documenting Welcome to one hundred episodes! I’ve just re-listened to episode one of the Adding Up Podcast. My voice was shaking and I stated that if I could help just one person in the process of recording this podcast it would be a success. 4 years and thousands…
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Ep.099 Adding Up - What Happens When Interest Rates Go Up, Again
Ep.099 Adding Up - What Happens When Interest Rates Go Up, Again Deep breath and here we go, again. Another month, another interest rate rise. I’m feeling like it’s groundhog day. It’s getting harder to stay positive and even harder to save money, or, is it? There’s no point crying about it (well...
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Ep.098 Adding Up - Learning New Ways To Save Money
Ep.098 Adding Up - Learning New Ways To Save Money Another month, another interest rate rise. It’s getting harder to stay positive and even harder to save money, or, is it? In this episode it’s about looking for creative and different ways to save money despite the current economic challenges....
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Ep.097 Adding Up - How Is Your Money Understanding Setting You Up
Ep.097 Adding Up - How Is Your Money Understanding Setting You Up Is your money understanding setting you up for success? Or failure? The funny thing is if we’re not paying attention to the money we have and what we are using it for we can find ourselves struggling. Going on a journey to get…
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Ep.096 Adding Up - Don't Think It Won't Happen To You
Ep.096 Adding Up - Don't Think It Won't Happen To You You don’t know what you don’t know. Going on a journey to get better with my finances I’ve discovered that more people are challenged with money understanding and money confidence than I realised. Staying in control with finances is my focus…
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Ep.095 Adding Up - Staying In Control With Finances
Ep.095 Adding Up - Staying In Control With Finances Staying in control with finances is my focus in 2023. For this to happen I’m taking the time to review all the things I can control and even plan for the things I can’t control. In this episode I also detail what and where I’m seeking more…
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Ep.094 Adding Up - What Does Financial Security Look Like?
Ep.094 Adding Up - What Does Financial Security Look Like? What does financial security look like? I spoke at an event recently about financial literacy. Afterwards a woman approached me to thank me for sharing my story. She then went on to say I only have a credit card for emergencies. I had…
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Ep.093 Adding Up - New Year Resolution For Saving
Ep.093 Adding Up - New Year Resolution For Saving Is it possible to save more money with the cost of living rising? Review your spending of 2022 Adjust your budget Shop around on essentials Do your homework Automate saving Consistently look for savings Every saving matters Learn more about the...
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Ep.092 Adding Up - Are You Really Saving Money At The Sales?
Ep.092 Adding Up - Are You Really Saving Money At The Sales? Is it possible to save more money with the cost of living rising? What I’ve learned from sales: Have a budget You’re only saving money if you are going to use it If it doesn’t fit it’s a waste of money If you don’t have the money don’t...
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Ep.091 Adding Up - Holiday Season Tips For Saving Money
Ep.091 Adding Up - 10 Holiday Season Tips For Saving Money My top 10 tips for holiday saving. As my anxiety rises at the thought of having my kids on holidays for the next 6 weeks. Here are ways I help to reduce my anxiety and spending while having the kids around for a lot more than usual. Plan...
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Ep.090 Adding Up - What Would Financial Decisions Look Like If They Were Easy?
Ep.090 Adding Up - What Would Financial Decisions Look Like If They Were Easy? It’s officially the holiday season aka ‘silly season.’ I’m having moments of feeling overwhelmed and I have found myself wishing my financial decisions easy. So what does that look like? My attitude is everything.…
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Ep.089 Adding Up - Can I Really Change My Bad Money Habits?
Ep.089 Adding Up - Can I Really Change My Bad Money Habits? This week I got another letter from the bank letting me know the interest rates and payments on our mortgage were going up. It sent me into a tailspin. The interesting thing about this process has been my learning about my own money...
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Ep.088 Adding Up - When Money Is Not The Motivator
Ep.088 Adding Up - When Money Is Not The Motivator One of my greatest fears has been becoming a reality. Having ungrateful kids. The worst part of this has been trying to teach them financial literacy and they haven’t been motivated to do chores to earn money. This blows my mind. So in the…
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Ep.087 Adding Up - Money Gets Messy When We Are On Mute
Ep.087 Adding Up - Money Gets Messy When We Are On Mute As a reformed spender and someone who has struggled with being a people pleaser and avoiding tough money conversations this episode focuses on how I’ve discovered the power of the mute button. When you are aware of it you can be better with...
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Ep.086 Adding Up - Being A Force For Good Budgeting
Being A Force For Good Budgeting As a reformed spender and someone who has struggled to naturally enforce sticking to a budget, how do you do better? In this episode of Adding Up the podcast I explore ; 'Being A Force For Good Budgeting.’ Keeping myself in check is a daily task. The biggest…
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Ep.085 Adding Up - Flicking The Switch The Power of Focus
Ep.085 Adding Up - Flicking The Switch The Power of Focus Where you look is where you go. So how does this translate when you’re struggling with your relationship with money and the cost of living rising simply out of your control. In this episode of Adding Up the podcast I explore ; 'Flicking…
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Ep.084 Adding Up - Sucking It Up And Having Hard Money Conversations
Ep.084 Adding Up - Sucking It Up And Having Hard Money Conversations Following on from Episode 83 and talking about ‘Why is changing money habits so hard?’ In this episode of Adding Up the podcast I explore ; 'Sucking It Up And Having Hard Money Conversations.’ Our kids are seemingly oblivious…
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Ep.083 Adding Up - Why Is Changing Habits With Money So Hard
Ep.083 Adding Up - Why Is Changing Habits With Money So Hard In this episode of Adding Up the podcast I explore ; 'Why Is Changing Habits With Money So Hard. There’s never a shortage of things to spend money on. Cost of living is steadily increasing, this week the mortgage has increased for the…
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Ep.082 Adding Up - Spring Cleaning The Budget And Finding Money
Ep.082 Adding Up - Spring Cleaning The Budget And Finding Money In this episode of Adding Up the podcast I explore ; 'Spring Cleaning The Budget And Finding Money' It’s finally getting warmer and almost like clock work I’m finding reasons to clear out things we no longer need in the house and as...
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Ep.081 Adding Up - Time or Money. What’s more valuable?
Ep.081 Adding Up - Time or Money. What’s more valuable? In this episode of Adding Up the podcast I explore ; 'Time or Money. What’s more valuable?' I share my challenges making decisions and the impact of this and how I’ve shifted my approach and gained so much more of what I wanted. Learn more...
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Ep.080 Adding Up - What To Do When Unexpected Opportunities Come Your Way
Ep.080 Adding Up - What To Do When Unexpected Opportunities Come Your Way This week I've had an unexpected opportunity come up for work. I wasn't sure whether to make the most of it, especially since it is school holidays. In this episode I share the thought process I have gone through and what…
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Ep.079 Adding Up - Making Hard Money Decisions
Ep.079 Adding Up - Making Hard Money Decisions In this episode of Adding Up the podcast I continue to explore ; 'Making Hard Money Decisions.' I share my challenges making decisions and the impact of this and how I’ve shifted my approach and gained so much more of what I wanted. Learn more about...
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Ep.078 Adding Up - Budget Friendly School Holidays. Are they really possible?
Ep.078 Adding Up - Budget Friendly School Holidays. Are they really possible? I’m feeling the pressure as school holidays are coming around again! In this episode of Adding Up the podcast I continue to explore ; 'Budget Friendly School Holidays. Are they really possible?' Learn more about the...
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Ep.077 Adding Up - How To Avoid The Squeeze of Inflation
How To Avoid The Squeeze Of Inflation. Is a great question and one that is continuing to challenge many in Australia and the world right now as inflation continues to stay high and interest rates have gone up 4 times in 4 months. In this episode of Adding Up the podcast I continue to explore…
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Ep.076 Adding Up - Beginning Again When It's Easier Not To
Beginning Again When It's Easier Not To This is a tough episode, but I'm glad I've done it. When we stop doing something, time can suddenly slip by and if enough time goes by, we can stop doing it altogether. This was my track record with dieting and budgeting and now podcast episodes. 8 weeks…
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Ep.075 Adding Up - What Better Budgets Look Like With Out Earning More Money
What do better budgets look like without earning more? Is a great question and one that is continuing to challenge many in Australia and the world right now as inflation continues to stay high and interest rates have gone up 3 times in 2 months.. In this episode of Adding Up the podcast I…
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Ep.074 Adding Up - Not Blowing The Budget In School Holidays
Ep.074 Adding Up - Not Blowing The Budget In School Holidays School holidays are upon us. This brings up anxiety for me. Essentially because it's a change in routine and when routines change it's easy to be unprepared and things to blow out in time and money. I’m determined I’m not blowing the...
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Ep.073 Adding Up - Being Resourceful With Money
Ep.073 Adding Up - Being Resourceful With Money Being resourceful with money is easier said than done. Especially when you are determined to not rush to increase your income. In this episode of Adding Up the podcast I explore; ‘Being Resourceful with money.’ I love being resourceful and making…
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Ep.072 Adding Up - Is The Perfect Budget Possible Now
Adding Up - Is The Perfect Budget Possible Now I’ve always aspired to have the perfect budget. After so many years of financial and budget mistakes I am pondering is the perfect budget possible now? In this episode of Adding Up the podcast I explore; ‘The Perfect Budget.’ Just exactly what this...
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Ep.071 Adding Up - Finding Ways To Stay Calm When Interest Rates Go Up
Adding Up - Finding Ways To Stay Calm When Interest Rates Go Up This week the interest rates in Australia went up 0.5%, the biggest hike in interest rates since February 2000. After several weeks of recalculating the household grocery budget, it’s hard to not feel a little anxious about yet…
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Ep.070 Adding Up - Making Saving Money On Groceries Possible
Ep.070 Adding Up - Making Saving Money On Groceries Possible The struggle and pain is real. As groceries seem to be increasing in price every single week, I’m noticing I’m not the only one feeling it. I’m using all my creative skills to make every dollar count. It’s not helping that my kids seem…
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Ep.069 Adding Up - Making It Harder To Access My Money
Ep.069 Adding Up - Making It Harder To Access My Money Technology is great to increase accessibility to money. But what if you don’t want to access it so easily? In this episode of Adding Up the podcast I explore; ‘Making It Harder To Access My Money.’ How I have put barriers in place to restrict...
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Ep.068 Adding Up - What No One Ever Tells You About Savings
Ep.068 Adding Up - What No One Ever Tells You About Savings This is tough and it's personal. There are so many things I wish I knew about savings when I started my journey to get out of debt. I didn't realise the impact my ability to save money would have on my ability to have long term success...
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Ep.067 Adding Up - What Do Better Budgets Look Like Without Earning More?
Ep.067 Adding Up - What Do Better Budgets Look Like Without Earning More? Rising Cost of Living Inflation now 5.1% Groceries are now uncomfortably $150 per week This week’s episode includes: My Budget Highlights: 02:21 My Best Saving - Buying Presents At Post Office 04:19 My Best Learning - Kids...
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Ep.066 Adding Up - Trying Not To Go Into Panic Mode With Interest Rates Rising
Ep.066 Adding Up - Avoiding Panic Mode With Interest Rates Rising This episode includes: Interest rates have risen for the first time in more than 10 years. I’m doing my best to not go into panic mode. I’m revisiting all my habits I set up when I started my journey to become debt free. I’m...
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Ep.065 Adding Up - Is It Possible To Lose Everything?
Is It Possible To Lose Everything? Repeat behaviours can be hard to break. Things like over spending, using credit cards, avoiding difficult conversations, saying yes all the time. When you are not agreeable you risk offending others. But who pays the consequences of this? My 3 highlights from…
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Ep.064 Having A Holiday When You Don’t Have The Money To Have One
Ep.064 Having A Holiday When You Don’t Have The Money To Have One This week I have managed to have a holiday but it has not been without its challenges. School holidays 4 times a year create the opportunity for holidays and quality time with our kids but that doesn't mean it is easy. School...
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Ep.063 Is It A Budget Breakthrough Or Bust?
Ep.063 Is It A Budget Breakthrough Or Bust? Is it a budget breakthrough or bust? That is a great question that I explore in episode 63 of the Adding Up Podcast. After working hard to pay off credit cards and officially be credit card free since April 2020. I started to save money that was...
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Ep.062 Adding Up - Money Journey's Are Messy And That's Okay
This week's episode is an express version. It's a necessary and important one. Being dedicated to sharing my money journey warts and all is important. This week has been challenging to fit everything in. It would have been easier to not record an episode but that I believe would miss the point of...
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Ep.061 Adding Up - When I Realised Why Liquidity Matters
Ep.061 Adding Up - When I Realised Why Liquidity Matters This week I reflect on the incredible advice I received from my Accountant that has helped me to break the cycle of being dependent on credit cards. Breaking habits that have been formed over 2 decades are not easy to break, the life…
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Ep.060 Adding Up - What It Looks Like When You’re Having A Budget Reset
Ep.060 Adding Up - What It Looks Like When You’re Having A Budget Reset This week I was on the ABC’s program 7.30 Report. Quite fittingly to talk about the rising cost of living. Having the cost of groceries increase from $100 on average to now between $140 - $150 is quite gobsmacking and in last...
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Ep.059 Adding Up - How Do You Cope With The Rising Cost Of Groceries?
I can’t recall the exact date my grocery bill started getting more expensive. But it was this week I suddenly noticed fuel at $2.19 a litre, I started feeling nauseous. My Accountant mentioned lifestyle creep at our last in person meeting. It was as a cautionary tale just after I had completed...
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Ep.058 Adding Up - How I Saved $4,362 On A Designer Wardrobe
Quality without compromise. It's an underlying theme of this personal finance podcast. Another way to say this is, making the most of what you have. We shouldn't have to sacrifice time or money to have the life we want, but what if we looked at this differently. What if we were unnecessarily...
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Ep.057 Adding Up - When Trying To Be Wonder Woman Doesn't Work
Time flies when you're having fun and the funny thing is it also flies even if you're not having fun too. I had every intention of this podcast being weekly until I didn't. Little did I know a temporary pause in podcast episodes in June 2020 would extend to March 2022. It wasn't until I received…
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Ep.056 Adding Up - Successfully Saving Money, When You Don't Have Savings
Successfully Saving Money, When You Don't Have Savings Welcome to another episode of Adding Up the podcast where I, Serena Dot Ryan am sharing my experiences with money as I become debt free. In this episode: Savings Tip of The Week - How do you start saving when you're not used to it? Inspired…
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Ep.055 Adding Up - How Much Does Appreciation Cost?
How Much Does Appreciation Cost? Welcome to another episode of Adding Up the podcast where I, Serena Dot Ryan am sharing my experiences with money as I become debt free. In this episode: Savings Tip of The Week - October 2018 I decided to audit my expenses, one of the casualties of this was to…
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Ep.054 Adding Up - Can You Really Live Without That?
Can You Really Live Without That? Welcome to Episode 54 of Adding Up. In this episode: Savings Tip of The Week - My curiousity led me to have my first coffee at 15 years old, in this episode I share how this lead to a very expensive daily habit and how I changed this habit without compromising...
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Ep.053 Adding Up - Starting Where You Are, Again
Starting Where You Are, Again Welcome to another episode of Adding Up, the podcast with Serena Dot Ryan. Happy New Year! This is the moment the podcast is entering its 2nd year and with that comes a refresh and a new format. This episode details the reflection and thinking behind this. Each…
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Ep.052 Adding Up - When Stopping Debt Payments Messes With Your Head
When Stopping Debt Payments Messes With Your Head Welcome to another episode of Adding Up. One year ago this week I decided to push the button and start publicly sharing my challenges with money and learning from my money mistakes, how I'm gaining financial education and most importantly,...
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Ep.051 Adding Up - What's The Point Of Money Anyway?
What's The Point Of Money Anyway? Welcome to another episode of Adding Up, the podcast I am Serena Dorothy 'aka' Dot Ryan. In this episode I'm reminded by Instagram Memories that a year ago this week I published the very first episode of Adding Up the podcast. A lot sure can happen in a year and...
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ABOUT THIS SHOW
Serena Dorothy 'Dot' Ryan is an award winning Entrepreneur, Marathon Runner and Digital Marketing Strategist.After spending most of her adult life in debt, it wasn’t until Serena started working with Accountants and Cloud Accounting Service Providers that she saw how important it was for her to take control of her finances.October 2018 she decided to re-write her future, get financial education and become debt free. Consistent small changes are adding up.Listen as Serena shares her personal finance journey.
HOSTED BY
Serena Dot Ryan
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Frequently Asked Questions
How many episodes does Adding Up have?
Adding Up currently has 100 episodes available on PodParley. New episodes are automatically indexed when they're published to the podcast feed.
What is Adding Up about?
Serena Dorothy 'Dot' Ryan is an award winning Entrepreneur, Marathon Runner and Digital Marketing Strategist.After spending most of her adult life in debt, it wasn’t until Serena started working with Accountants and Cloud Accounting Service Providers that she saw how important it was for her to...
How often does Adding Up release new episodes?
Adding Up has 100 episodes. Check the episode list to see recent publication dates and frequency.
Where can I listen to Adding Up?
You can listen to Adding Up on PodParley by clicking any episode. We provide an embedded audio player for direct listening, and you can also subscribe via your preferred podcast app using the RSS feed.
Who hosts Adding Up?
Adding Up is created and hosted by Serena Dot Ryan.
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