Feel and Act Money

In this episode, of Feel & Act Money we, Maria and Danusia, explore the complex topic of debt, sharing personal stories, cultural perspectives, and practical strategies for managing debt responsibly. We discuss mental models, emotional triggers, and the importance of financial education to foster healthier relationships with money.The specific topics we cover include:* Our personal stories of debt and financial struggles* Methods for paying off debt: snowball vs avalanche* The emotional side of debt and money management* Legal and ethical considerations in debt negotiation* Cultural differences in attitudes towards debtIf you like our content, it is publicly available. Help us sharing it with anyone who might find it valuable 🫶🏼And if you want to navigate to specific parts of the episode, here are the topics by the minute:00:00 Introduction to Money Management and Death02:54 Understanding Debt: Perspectives and Emotions05:45 Personal Stories: Navigating Debt and Financial Education11:38 The Emotional Side of Money: Fear and Control17:23 Practical Tips for Managing Debt and Finances23:28 Universal Lessons on Debt Across Cultures25:13 The Journey of Paying Off Debt29:43 Understanding Debt Repayment Strategies36:31 Navigating Debt Negotiation Companies42:31 Cultural Perspectives on Debt50:15 Final Thoughts on Debt Management This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit feelandactmoney.substack.com

In this episode of the Feel and Act Money podcast we, Maria Lasprilla and Danusia Cerqueira, along with our guest Kaili Virma, delve into the emotional and practical aspects of taxes, particularly in the context of Estonia. We discuss the fears and misconceptions surrounding taxes, the importance of education in overcoming these fears, and the specific tax obligations for residents and e-residents in Estonia. The conversation also covers common mistakes people make with taxes, the benefits of understanding tax changes, and the various business structures available in Estonia, including the advantages of e-residency. We emphasize the need for transparency and education in financial management, particularly for immigrants and digital nomads.If you need help with your business accounting, personal tax declaration or business tax declaration in Estonia, you can reach out to [email protected] or find her via LinkedIn. If you are more adventurous and appreciate an in-person meeting, you can also stop by the offices of Foreigners Help Coworking Space. And if you like this podcast, make sure to subscribe, comment and share with others so we know to keep doing this for you! Chapters00:00 Introduction to Feel and Act Money Podcast01:50 Meet the Guest: Kaili Virma04:39 Understanding Taxes: Emotional Perspectives09:49 Cash Transactions and Their Implications11:43 Defining Taxes: A Systematic Approach14:43 Common Tax Mistakes and Learning Experiences21:50 Deep Dive: Tax Changes in Estonia for 202629:20 Income Tax Exemptions and Benefits34:25 Navigating Tax Residency and International Moves36:32 Understanding Tax Residency Across Countries39:49 Benefits of Opening a Business in Estonia42:59 Types of Business Structures in Estonia47:37 The Ease of Tax Declaration in Estonia52:04 Investment Income and Taxation in Estonia56:10 E-Residency: Opportunities and Advantages This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit feelandactmoney.substack.com

In this episode of the Feel and Act Money podcast we, your hosts Maria Lasprilla and Danusia Cerqueira, along with our first special guest, Shannon Kiprich, explore the concept of a safety net for expats. We discuss the emotional, spiritual, and cultural aspects of money management, emphasizing the importance of community support and personal empowerment. The conversation delves into practical steps for building a safety net, the impact of relationships on financial decisions, and the need to break limiting beliefs around money. If you want to go deeper, we will be hosting an in-person Masterclass on this topic of Building a Money Safety Net. The event will be hosted in the Co-Working Space Foreigners Help and it will take place on Wednesday 4 of February, 2026 at 17:30. The Event Facebook page has more details and if you feel decisive you can go straight to this link to buy your ticket.For any questions, send us an email to feelandactmoney [at] gmail.com or contact us in our Instagram accounts: Maria, Danusia and Shannon.Wealthily,Maria, Danusia & Shannon.Episode Chapters00:00 Introduction to Feel and Act Money Podcast03:03 Understanding the Safety Net06:08 The Emotional and Spiritual Aspects of Money09:01 Cultural Perspectives on Safety Nets12:05 Practical Steps to Build a Safety Net14:52 The Role of Relationships in Financial Decisions18:03 Navigating Money Conversations in Couples20:56 The Importance of Self-Awareness in Financial Management29:57 The Importance of Reflection in Financial Decisions31:49 Understanding the Balance Between Saving and Enjoying Life34:47 The Role of Generosity in Financial Well-being36:14 Navigating Information Overload in Financial Choices38:04 Limiting Beliefs and the Expat Experience42:19 Reconnecting with Humanity and Self in Financial Matters45:10 Building a Safety Net: Step by Step51:57 Identifying Cultural Ghosts in Financial Mindsets This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit feelandactmoney.substack.com

In this episode, Danusia and Maria reflect on the emotional complexities surrounding the holidays, especially for those living away from home. They discuss the balance between spending and saving, the importance of budgeting, and the emotional weight of giving during this time. The conversation also touches on redefining what ‘home’ means, the significance of experiences over material gifts, and the broader implications of generosity and giving throughout the year. They emphasize the need for emotional stability in financial decisions and the importance of taking actionable steps towards meaningful investments and contributions.Chapters00:00 Reflecting on the Year and Holiday Emotions03:08 Navigating Money and Emotions During the Holidays05:58 The Challenge of Being Away from Home08:55 Redefining Home and Holiday Experiences12:04 Budgeting and Financial Planning for the Holidays14:55 The Importance of Giving and Generosity18:03 Creative Approaches to Gifting20:59 Balancing Material Gifts and Emotional Connections23:57 The Broader Perspective on Giving Throughout the Year26:55 Investing in Meaningful Causes30:01 Learning and Growing Through Financial Decisions This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit feelandactmoney.substack.com

In this episode of Feel and Act Money, hosts Maria Lasprilla and Danusia Cerqueira explore the often uncomfortable topic of money, particularly for expats and immigrants. They discuss the emotional and practical aspects of financial conversations, including salary negotiations, the taboos surrounding money discussions with family and friends, and the cultural differences in how money is perceived and managed. In this episode we emphasize the importance of overcoming fears, being vocal about financial needs, and finding supportive communities to foster healthy money conversations.Chapters00:00 Introduction to Money Conversations01:24 Overcoming the Fear of Discussing Money06:38 Negotiating Salary: A Personal Journey10:13 Understanding Value in Salary Discussions11:21 The Taboo of Talking Finances with Partners14:43 Breaking Taboos: Money Talks with Friends and Family22:19 Cultural Perspectives on Money30:06 The Burden of Family Expectations34:50 Navigating Financial Conversations39:41 Taking Control of Your Financial Narrative This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit feelandactmoney.substack.com

In this episode of Feel and Act Money, hosts Maria and Danusia discuss the emotional and practical aspects of managing money as expats. They share personal stories about their experiences moving abroad, the challenges of navigating taxes, and the importance of understanding financial responsibilities. The conversation emphasizes the need for financial education, the role of technology in money transfers, and the emotional aspects of money management. They provide practical tips for new expats on how to handle their finances effectively and encourage listeners to engage with their financial journey.Topics we cover int his episode:* Moving abroad is a significant and stressful decision.* Understanding local tax systems is crucial for expats.* Avoiding financial responsibilities can lead to greater anxiety.* Technology has transformed how we manage and transfer money.* It’s important to learn about currency and financial systems before moving.* Double taxation can be a nightmare for expats.* Building a financial community can provide valuable support.* Money is a tool that should be managed wisely.* Emotional aspects of money management are often overlooked. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit feelandactmoney.substack.com