Explore every episode of the podcast Mind Money Soul
| Title | Pub. Date | Duration | |
|---|---|---|---|
| Being Wealthy Vs. Being Rich | 04 Sep 2024 | 00:13:05 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing the difference between having a wealthy mindset and a rich mindset. Now, you might hear the words 'wealthy' and 'rich' and think they mean the same thing, but when it comes to mindset there is a HUGE difference. I’m going to be breaking down why you want to be adopting a wealth mindset if you want to create a life of financial freedom and happiness. The first step is identifying what wealth means to you and getting really clear on your why. If your answer is 'freedom', what does freedom mean to you? Sometimes we throw out answers that are fluffy and intangible, but we don't actually know what they mean for us. For example, when I think about my version of wealth in the short term, it means being able to travel with my business, grow my investments and afford to live in London whilst still being able to afford to explore the world. My long term idea of wealth is working less, travelling more, being able to look after my health and prioritise wellness, choose how I spend my time, live a certain level of luxury and have financial stability. When you have a rich mindset, the focus is on money, materialistic things and numbers, but when you have a wealth mindset, the focus is on health, time, freedom and the ability to choose. Materialistic things fade; it’s ok to want them but if this is your only goal you’re not going to feel fulfilled. Money can’t buy you friendships, love, family, experiences; spending your money on things and items doesn’t last or satiate. Having the habits and rituals of a wealthy mindset will build your wealth over time and create a life financial freedom. In this episode:
Resources Download the ULTIMATE annual money planner Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| MONEY HOTLINE: I Don’t Have Enough Money To Invest | 28 Aug 2024 | 00:15:35 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing what to do if you feel like you don't have enough money to start investing. People say to me ALL the time: "I want to invest but I don't have enough money”. Now, this is very subjective because one persons "I don't have enough" is another persons "wow, what a lot of money!” I bet that most of you (except those of you who are budgeted down to the penny) have a little bit of money in your monthly spending allowance that you can use to invest. I guarantee that somewhere you are accidentally wasting money. When I say ‘wasting', I mean a combination of spending mindlessly, not being savvy or not paying attention, for example wasting money on subscriptions you don't use. Even if it is £20 a month, this money can make all the difference to your financial future. Investing isn't about waiting for lots of money to invest. It's about getting started with what you already have, taking time to get to know your finances by having monthly money dates, and using this knowledge to find money to invest. Most importantly, you want to do this in a way that is judgement free. Why? Placing judgement on your finances is one of the worst things you can do - it creates shame, embarrassment and guilt. You can't shame yourself into better habits, you have to love yourself there. So, if you’ve been wasting £20 on a gym membership you're not using, don’t judge yourself! Shift your mindset and flip it into a positive. You now have £20 to invest and this is just the beginning of building wealth for your life and creating financial freedom. How exciting! In this episode:
Resources Download the ULTIMATE annual money planner Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| The 3 S’s Of Successful Money Management | 26 Jun 2024 | 00:12:50 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing the 3 s’s of financial success; survival, spending and success. In order to be successful with your finances, you have to start with the foundations and learn how to be good at money management. If you don’t know how to manage your money, you don’t have the ability to stick to a spending plan or you don’t know where your money is going, it will be so hard to be successful and achieve your big happy goals because you have no data and no way of making a plan. People struggle with balancing the 3 s’s. There’s no right or wrong way to answer what the right balance is. At certain points in your life you’ll be putting money towards your survival, spending or success more. The important thing is we want to be doing it consciously. Remember, your money is yours and you get to choose what you do with it. The aim is to find a healthy balance where you’re supporting what it costs to be you with freedom and ease, you’re enjoying your money in the now, all whilst working towards your financial future. In this epsiode:
Resources Download the ULTIMATE annual money planner Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| Top 3 Investing Myths Debunked | Become a Confident Investor | 07 Sep 2022 | 00:17:24 | |
In this episode of the Mind Money Soul podcast, I am going to be debunking some investing myths.
In this episode:
Resources Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Listen to My Investing Journey Access my investing mini-course - The Feel Good Investors Mini-Course | |||
| My Investing Journey | 31 Aug 2022 | 00:25:12 | |
In this episode of the Mind Money Soul podcast I am going to be sharing my personal journey to investment.
Resources Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Read Fidelity’s report: Global Women & Money Study – breaking down financial barriers around the world Read Motley Fool’s report: When Will The Stock Market Recover Investopedia - The Wikipedia of Investing | |||
| Feeling Overwhelmed About Money? 5 Tips For Taking Back Financial Control | 24 Aug 2022 | 00:19:10 | |
In this episode of the Mind Money Soul podcast, I am helping you take back control of your finances.
In this episode:
Resources Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template | |||
| How I Saved £15,000 in 3 Years | 4 Tips to Help You Save More Money | 17 Aug 2022 | 00:16:43 | |
In this episode of the Mind Money Soul podcast, I am going to share with you some of my personal story on how I saved £15,000 in 3 years. In this episode:
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| The ONE Thing You Need to Know if You Want to Grow Your Money | 17 Aug 2022 | 00:16:16 | |
In this episode of the Mind Money Soul podcast I am going to be talking to you about the most important thing that you need to know if you want to grow your money. In this episode:
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| Trailer Introduction | 17 Aug 2022 | 00:07:22 | |
Welcome to the first episode of the Mind Money Soul podcast with me, your host, Laura Ann Moore. I am a Money & Mindset Coach, and Financial Wellbeing Speaker. In this episode:
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| The 5 Must Have Accounts For Your Finances | 19 Jun 2024 | 00:15:00 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing the 5 must have accounts for your finances. Managing your money can feel overwhelming with so many different accounts available, from savings accounts, to stocks and shares ISA’s and pensions. The biggest challenge is knowing where to put your money so it can grow and remain safe. Growing up, we’re often only taught about having a current account, but there's much more to financial success than that. With such limited information, it can feel difficult to know where to begin leading many people to limit themselves by keeping their money solely in a current account. We'll discuss the five essential accounts you need to manage your money effectively and how having multiple accounts can set you up for financial success. By understanding and utilising these key accounts, you can take control of your financial future. Don't just settle for a current account—expand your financial toolkit and set yourself up for success. Tune in to learn how to navigate these accounts and maximise your financial potential. In this episode:
Resources Download the ULTIMATE annual money planner Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| How To Do Your Joint Finances With Your Partner | 12 Jun 2024 | 00:16:46 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing 4 top tips on how to manage your finances with your partner. Money can be a huge issue in relationships and it’s one of the main reasons why people break up. Research in the UK shows that 17% of couples argue about money at least once a week and 5% argue about finances every single day - how tiring is that! These arguments don't necessarily arise from a lack of money but rather from discussions and disagreements about financial matters, such as how to divide the bills or how you manage your own spending. The underlying issue is that it will make you irritable, put you in a bad mood, and cause you to struggle with your mental health, all of which will affect your relationship. In this episode, I'll address some of the financial issues couples face, how to navigate them, and how to set yourselves up for success in managing money within your relationship. Open and honest conversations about money are crucial for maintaining a healthy relationship. Finances are an ongoing aspect of your partnership, and if you can't have these discussions now, imagine how challenging they will be when you're married, having kids, or buying houses. In this episode:
Resources Download the ULTIMATE annual money planner Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| MONEY HOTLINE - I Keep Dipping In & Out Of Debt | 05 Jun 2024 | 00:11:13 | |
In this episode of the Mind Money Soul podcast, I’m going to be answering a question I recently received on The Money Hotline - “why do I keep digging in and out of debt?” I delve into the crucial steps needed to break free from the cycle of debt. The first step is identifying the root cause of your debt. There are many common culprits including the overpayment of debt, behavioural patterns such as overspending, a lack of discipline or having a scarcity mindset. Knowledge is power and without uncovering this data you can’t make a plan to clear your debt. I also share how to set yourself up for success by creating a fail-safe debt management plan, implementing practical strategies and allowing space for self reflection to affirm your financial capability and abundant mindset. It might be a slow process, but quitting is not an option. Perseverance is key and embracing these steps towards financial freedom is worth every step - there is only positivity on the other side of this journey. Clearing your debt is not only going to increase your net worth, but it will get you one step closer to financial independence and security. In this episode:
Resources Download the ULTIMATE annual money planner Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| 5 Ways I Invest My Wealth To Improve My Health | 29 May 2024 | 00:17:28 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing the 5 ways that I invest my wealth to maintain and improve my health. Ever heard the phase “people exhaust their health amassing wealth, only to deplete their wealth restoring health”. Many drive themselves relentlessly into the ground, work crazy hours to accumulate money, neglect breaks and essential expenditures and prioritise future savings over present well-being until their health suffers. Despite ample funds in pension accounts, ISAs, and lucrative jobs, they find themselves unable to enjoy their wealth due to poor health. But why not pursue both simultaneously? Adopt a method that's gradual, sustainable, and allows you to enjoy your money along the journey. Wealth is so much more than just money. It’s your time, security, freedom, independence, choice, relationships, travel, and your mental, physical and spiritual wellness. Investing in your health will empower you to show up as your best self, achieve your big happy goals and enjoy the process of building wealth. It's a paradox: spending in the present to enhance wellness, to enable you to create an abundant, healthy financial future. In this episode:
Resources Download the ULTIMATE annual money planner Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| What Should I Be Doing With My Money? | 22 May 2024 | 00:14:45 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing my take on the question “what should I be doing with my money?” I get asked this question at least 5-10 times a week. It's a question that comes up time and time again, yet it's one that's rarely addressed in traditional education or everyday conversations. Tell me, have you looked at your bank balance this month and not known where to begin with managing your finances? You’ve come to the right place! Mastering your finances isn't about adhering to someone else's rules or standards. It's about understanding your own big happy goals and unique values and making financial decisions that align with them. While there are certain fundamental principles to follow, such as budgeting, savings and investing, how you implement these strategies will vary from person to person and there is no cookie-cutter, one-size-fits-all solution approach. The important thing to remember is that you're the one in control of your financial destiny. You work hard for your money, so it's up to you to determine how best to use it. In this episode:
Resources Download the ULTIMATE annual money planner Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| How Do I Stay Motivated with Clearing My Debt? | 15 May 2024 | 00:13:46 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing how to stay motivated towards clearing your debt. This episode was inspired by a gal who slid into my DM’s recently. She shared that she originally had 40K of debt and is now down to 5K of debt, however feels a serious lack of motivation to get her last chunk of debt cleared. Does this resonate with you? Sometimes it seems the closer you get to your goal, the harder it is. I’ll let you into a little secret…The driving force behind achieving your goals isn’t motivation. Tune in, because the advice inside this episode can be applied to clearing debt but also your life and other aspects of money. You need to stop passing control over to the hands of motivation. If you rely on motivation to be the sole thing that helps you achieve your dreams, goals and ambitions, hate to break to you but you’re fucked. Motivation comes and goes in alignment with your emotions, energy and thoughts on any given day, and what rocky territory this is to be. We need strong foundations and we need to rely on action. The focus of working towards our goals and dreams needs to be in the hands of discipline, action, habits and systems. It’s here that you will achieve financial freedom, whatever that means to you. In this episode:
Resources Download the ULTIMATE annual money planner Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| My Experience With Money As A Single Woman | 08 May 2024 | 00:14:10 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing my experience with money as a single woman. I think it’s really important to talk about the intersectionality between money and your relationship status. Take me, I’m 30 years old, I’ve been single my whole life and there’s been countless times that I’ve considered my finances as a single gal. It's not surprising that a lot of single women worry about their finances. To add to this worry, women are already financially behind in society because of the gender wealth gap including pay, pension and investing. There are physical costs associated with being single that get removed or lessened when you form a relationship, for example; splitting the cost of a wedding gift, a hotel room on holiday or a taxi home. Then, there's the mindset element. When you're in a relationship, there's a portion of your financial worries that get halved. These can be financial worries in the moment like losing your job, or financial worries about the future such as affording retirement or buying property. This is why as a single gal it's fundamental to learn how to invest so that you can work towards your financial freedom, independence and security, and ultimately protect yourself regardless of your relationship status. In this episode:
Resources Download the ULTIMATE annual money planner Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| How To Get Out Of Your Spending Era | 01 May 2024 | 00:10:52 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing how to get out of your spending era. Do you feel like you've been in an era of spending loads of money? Your bank balance is evaporating before your eyes, money is coming out quicker than it’s coming in and you’re ready to step into your good money management era. Sounding all too familiar? I got you. In today’s quick fire ep, I’m sharing my 5 tips on how to reign in your spending and exactly what you need to do to tap into your higher self and become financially free. Caveat to this, if you are in your spending era, it’s not necessarily a bad thing. Sometimes if you've been saving or investing, and you've been consistent and committed for a while, it's ok to go through a period of spending money. I believe that balance is not just 50/50 for life. It’s knowing that sometimes you’re going to save and invest more because you’re working towards a big happy goal, and sometimes you're going to spend more because you’re simply enjoying your life and money. The sweet spot (and what you should all be aiming towards) is understanding how to be mindful and happy with your choices and what you prioritise. In this episode:
Resources Download the ULTIMATE annual money planner Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| Stop Letting Your Money Go | 3 Tips For Holding Onto More Money | 24 Apr 2024 | 00:14:13 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing how to stop letting your money go. Are you sick of feeling like your money is constantly slipping through your fingers? Does it disappear before you can even think about saving or investing? I get it, it can be hard to manage your money, especially when there are so many moving parts. There’s a lot of factors that can impact your money management; the economy, inflation, being single or a business owner, etc. Which is why it’s so important to shift as things change for you. It’s about not getting caught up, overwhelmed or lost in your finances. It’s about being intentional, aware and able to recognise habitual things in the present moment that will help your future self. If you want to become financially independent, you need to learn how to grow and manage your money by building an abudance mindset and trusting yourself. To start on this journey, you need to take small actions to manage your money. This could look like commiting to monthly money dates, showing yourself that you're good with your finances and tracking your spending. These actions will build up your identity and behaviour over time, and little by little each day you'll become a step closer to a version of yourself that's good with money, financially free and empowered. In this episode:
Resources Download the ULTIMATE annual money planner Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| How Much Does Your Dream Life Actually Cost? | 21 Aug 2024 | 00:13:54 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing the cost of your dream life. It might be easy to feel like your dream life is way off. Perhaps it feels overwhelming to think how you’ll actually achieve it, but it might not be as far off as you think. Humans have a tendency to over-inflate and under-inflate in the wrong places. It's similar to how we overestimate what we can do in a day, but underestimate what we can achieve in 5 years. When you apply this concept to your dream life, you’ll quickly learn how it could be just around the corner if you take the right steps to get there. The crux of it is; saving is for the short term, but investing is for the long term and THIS is what is going to help you create your dream life. No one ever got a rich lifestyle just from saving, you HAVE to be investing. With investing, you can get to a point overtime where you've created passive income. Imagine this: your money continues to grow whilst you use some of it to live your dream life, until you’re ready to take a step back from work and you can retire and live of your investments as a full time income. Putting math and strategy behind your dream life is fail safe. You have to know what you're working towards. Why? If you aim at nothing, you're going to hit every time. Tune in to today’s episode and take part in the fun exercise to uncover how you can live your dream life. DREAM BIG! In this episode:
Resources Download the ULTIMATE annual money planner Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| Life, Dating & Business Update | 17 Apr 2024 | 00:15:07 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing a life, dating and business update. Strap yourself in, because a LOT has happened in Q1 of 2024, including multiple dates, a mindfulness retreat which quite frankly changed my entire existence, and some big revelations in my business. I’ll be spilling the tea on my latest dates including a failed second date with an Irish barman and a hilarious triple date. Plus, I’ll be sharing invaluable lessons from a talk with Liz Gilbert, Author of Eat Pray Love and one of my favourite books, Big Magic. Tune in to today’s episode to hear all about the 2 day mindfulness retreat I attended with Global Coaches Jessie Douglass-Smith McGraw and Wyn Morgan. The retreat was centred around the idea that all of our suffering comes from our thoughts, but we are not our thoughts. Yes we have thoughts, but we get to choose which thoughts to believe and it’s our inner wisdom and life energy that keeps us going as humans. This retreat honestly changed my life and this episode could be the catalyst to change yours too. In this episode:
Resources Download the ULTIMATE annual money planner Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| MILLIONAIRE SECRETS | 6 Tips To Become Wealthy [PART 6 - Start Investing Today] | 10 Apr 2024 | 00:15:59 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing why millionaires invest. No one ever got rich JUST from saving. Yes, saving is an important part of your financial plan; it allows you to learn the art of delayed gratification, how to not spend all your money and it teaches your body and brain what it feels like to hold onto money. However, if you only save in cash, it’s a recipe for disaster. Your buying power decreases every year due to inflation which is killing all of your hard earned money. This is why millionaires do what they can to retain the buying power of their money by taking calculated risks, investing and growing their money. There are proven successful methods of investing your money for profit to beat inflation, retain the buying power of your money and increase your net worth including investing in property, the stock market, businesses, gold, art, collectables and bitcoin. Your capital is always at risk, which is why it’s so important to do your education around investing. Those who learn and understand the language of money, understand their own risk profile and learn how to make their money work for them, are the ones who come out on top. Investing is a huge part of financial independence and the simple fact is, if you want to be wealthy, you’ve got to invest. You’re never going to rich just from saving. There’s a narrative that you have to be rich to invest but that’s not true. Start small, start today and begin working towards your financial freedom now. In this episode:
Resources Download the ULTIMATE annual money planner Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| MILLIONAIRE SECRETS | 6 Tips To Become Wealthy [PART 5 - Work On Your Relationship With Money] | 03 Apr 2024 | 00:12:07 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing why all millionaires work on their relationship with money and why you should be, too. Relationships aren’t easy, they take work. Think about your friendship circle, you need to put in time, effort and organisation in order for these relationships to thrive. This could look like taking time out of your busy schedule to communicate and check in with each other. If you neglected your friendship, chances are your friend would be looking for a new bestie. If we think about relationships in a romantic sense, you need to have date nights, spend quality time together and put in the work when issues arise. If you don’t, your relationship will fall apart. Bottom line is, in order for relationships in any capacity to thrive, there is always love, respect and effort. Now, the same goes for money! You have to give your money quality time. You have to show your money care and respect. It needs to know your desires and expectations. It needs guidance so it can work in alignment with you and your big happy goals. Improving your relationship with money and working on your money mindset are the foundations to achieving your millionaire status. Millionaires have an abundant mindset, they understand the importance of working on their relationship with money, taking risks, investing and learning about financial empowerment. This is the secret sauce to becoming and staying wealthy. In this episode:
Resources Download the ULTIMATE annual money planner Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| MILLIONAIRE SECRETS | 6 Tips To Become Wealthy [PART 4 - Plan Ahead For The Future] | 27 Mar 2024 | 00:15:29 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing why it’s imperative that you plan for the future. The term future can mean anything from 1 day to 10 years but the simple fact is, if you don’t have a financial plan for your future, it’s going to happen TO you, not FOR you. So, what does creating a financial plan look like? Short term planning looks like creating a monthly spending plan, knowing how you’re going to spend your money tomorrow and moving money aside for short term goals and emergencies. Long term planning looks like big picture thinking, creating a vision for what you want your life to look like in 10+ years, and making an actual plan to get there. Creating financial goals is so much more than just deciding how much you want in your pension pot. It’s about the bigger picture; what do you want from your life and how do you want it to feel? You get to choose. In this world we have autonomy and the way that we show up on a day to day basis is going to help create and shape our future. Your daily habits, become your life. Financial independence won’t just happen to you, you have to make it happen for yourself. Your big happy goals aren’t going to just fall into your lap, so making a plan and taking action is essential - this is how millionaires get and stay wealthy. In this episode:
Resources Download the ULTIMATE annual money planner Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free Use the free compound interest calculator | |||
| MILLIONAIRE SECRETS | 6 Tips To Become Wealthy [PART 3 - Clear Your Debt & Avoid High Interest Debt] | 20 Mar 2024 | 00:13:05 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing how to reach financial freedom by clearing your debt and steering clear of high interest debt. Welcome back to part 3 of the 'how to become wealthy' series. I’m spilling the secrets of millionaires and sharing the top 6 things they are doing to successfully manage and grow their money. I want to preface this episode by explaining that not all debt is bad and some debt can be useful like student loans, mortgages and business loans. Let’s take a look at a student loan where you borrow money from the government to up-skill and improve your knowledge with the aim to get a job or career with a high income. The key difference with this debt is that you are utilising debt to make more money, get closer to being wealthy and achieve financial freedom. On the flip side, consumer debt is a destroyer of your finances. This is where a debt (through the use of credit cards, overdrafts and personal loans) is used to fund consumption rather than investment. This type of debt is bad when it becomes unmanageable, whether that’s because you can’t afford to make payments or you’re being charged a high interest. This will eat into your ability to grow your money and work towards financial independence because your hard earned money is going to the loan providers. Tune in to today’s episode if you want to learn how to think like a millionaire, get high interest debt cleared and leverage debt to build wealth. In this episode:
Resources Download the ULTIMATE annual money planner Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free Use the free compound interest calculator | |||
| MILLIONAIRE SECRETS | 6 Tips To Become Wealthy [PART 2 - Make Smart Choices About Big Financial Decisions] | 13 Mar 2024 | 00:16:16 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing how to reach financial freedom by making smart choices. Welcome back to part 2 of the 'how to become wealthy' series where I’m spilling the secrets of millionaires and sharing the top 6 things they are doing to successfully manage and grow their money. In today’s episode I reveal something which is second nature to millionaires: making informed choices. In an ideal situation, you’ll take time to consider big financial decisions before you commit to them, rather than them being an afterthought. For example, when it comes to buying a property, have you properly run all the numbers? Tune in to learn the hidden costs, fees and risks associated with buying a house and the factors that you might not be considering which may lead you to become financially crippled. The bottom line is, just because you have the money, doesn’t mean you should spend it. It’s common to get so excited by the prospect of what you're buying that you forget to plan ahead and consider all the potential things that could be a financial nightmare in the future. You never know when your financial situation could change, so be mindful, take your time and make educated choices.
Resources Download the ULTIMATE annual money planner Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free Use the free compound interest calculator | |||
| MILLIONAIRE SECRETS | 6 Tips To Become Wealthy [PART 1 - Spend Wisely] | 06 Mar 2024 | 00:15:08 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing how to reach financial freedom by spending wisely. Welcome to the start of a 6 part series on how to become wealthy. I’m going to be spilling the secrets of millionaires and sharing the top 6 things they are doing to successfully manage and grow their money. Although the term millionaire is used frequently during this episode, being wealthy doesn’t necessarily mean you need to reach the status of a millionaire. At it’s core, being wealthy is about living the life that you want by having the 3 things money can give you: freedom, choice and independence. The first thing that millionaires do to become and stay wealthy is spend wisely. We all get taught how to spend our money, but do you know how to spend wisely? Tune in to today’s episode to learn the key difference, because adding this extra step will transform your mindset and relationship with money. If you want to learn how to spend with intention so that you can live in the moment whilst also supporting your future self, start here. In this episode:
Resources Download the ULTIMATE annual money planner Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free Use the free compound interest calculator | |||
| The Money Hotline | How Much Should I Be Investing? | 28 Feb 2024 | 00:11:34 | |
In this episode of the Mind Money Soul podcast, I’m going to be answering the common question of “how much should I be investing?” Technically this is a trick question, because when the word ‘should’ is involved it requires us to look closer. When it comes to investing, there is no right or wrong way and it’s going to look different for everyone. Personal finance is exactly that, it’s personal. There are 3 main things to consider when it comes to investing, including affordability, your long term plans and how to increase your investment pot. The short answer is - it’s not a case of how much ‘should’ you invest, it’s really about how much you would ‘like’ to invest. What is your why behind investing? What is driving you towards investing? What is your big happy goal? Sitting with these questions and reverse engineering your goals will be a huge support on your investing journey. In this episode:
Resources Download the ULTIMATE annual money planner Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free Use the free compound interest calculator | |||
| 3 Ways To Manage Your Money Better | 21 Feb 2024 | 00:15:07 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing my 3 top tips on how to manage your money better. It’s the most simple and straightforward thing but it’s something that so many of us struggle with. In fact, I’d make a confident assumption that everyone listening to this episode could be better at managing their money. Money management isn’t complicated or difficult, it’s simply deciding where you want your money to go. Most people fall down because they either don’t know where their money is going or they assume it will sort itself out. Mastering the art of money management can be achieved by small actions such as setting up a separate spending account, creating a spending plan and working on your money mindset. Managing your money will give you power and control over your finances, allowing you to no longer live pay check to pay check and to save towards your big happy goals. In this episode:
Resources Download the ULTIMATE annual money planner Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| Should I Quit My Job To Run My Business Full Time? | 14 Feb 2024 | 00:16:57 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing 4 things to consider when you’re debating whether to quit your job to run your business full time. I get asked this question often and it’s something I’m able to advise on from a financial expert perspective and also on a personal level, as I quit my long-term job fulfil my souls calling and pursue my career. In today’s episode I share my story, how I built Mind Money Soul as a side hustle and how I successfully turned my passion into a full time business. It’s not as simple as waking up one day and deciding you want to quit your job. There are important elements to consider if you’re serious about creating a profitable, sustainable business. There’s a narrative that 9-5’s suck and being a business owner is elite, but sometimes the grass isn’t always greener. As an employee, the benefits can be very attractive - a workplace pension, the security of a salary, work perks, the support and companionship of having colleagues. That said, the freedom that comes with being self-employed is incomparable. It’s important to remember that not everyone is cut out to be an entrepreneur, business owner, founder or freelancer and often you won’t know until you try - maybe you’ll love it more than you ever imaged or maybe you’ll realise it’s not for you. The key thing is to ensure you’re going into this process mentally and financially prepared. In this episode:
Resources Download the ULTIMATE annual money planner Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| I'm Too Scared To Start Investing | 14 Aug 2024 | 00:15:46 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing what to do if you’re scared to start investing. I've had a lot of conversations with 'finance bros' who just talk at me, but recently I had a conversation with a guy who did a really good job at explaining crypto. Initially, I dismissed it, but the more he explained it to me and I gained an understanding, the more I was open to exploring it. It made me realise that the way I initially reacted with fear, is the way a lot of people in my community feel about investing. It's this reaction of "I'm scared, I don't understand it, I don't want to talk about it and therefore it's not for me!" This conversation and reaction inspired me to record an episode on how to navigate fear when you're scared of investing. Knowledge is power, especially when it's put into action. You can't just mess around and hope that one day your finances will sort themselves out. It’s important to find out what fuels you in life. Why do you want money? What does wealth mean to you? What does freedom look like to you? You can use this to fuel and drive your motivation to learn. This can be your North Star to guide you to get started with investing. Learning how to work through, reduce and act upon your fear is going to help you create your dream life and actually build wealth. In this episode:
Resources Download the ULTIMATE annual money planner Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| Do Not Fall Into This Financial Trap | How To Avoid Lifestyle Creep | 07 Feb 2024 | 00:10:53 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing how to avoid a lifestyle creep. Lifestyle creep is when an individuals standards of living improves as their discretionary income rises and former luxuries become new necessities. The rise in discretionary income can happen either through an increase of income or in a decrease in costs. Essentially this means you have more ‘fun’ money to play with (things that aren’t going towards bills or debt) but instead of keeping the same lifestyle or investing/ saving your extra money, you choose to inflate your lifestyle to meet your pay check. Why is this a financial trap? It can totally derail your future plans (including retirement plans or clearing your debt) and prevent you from reaching your big happy goals. The dangerous thing is that it can start really small. You might choose the most expensive thing on the menu, or grab an Uber more than you choose to walk. All of these little purchases that you deem ‘necessities’ will become an integral part of your life. The issue isn’t with living a boujee lifestyle, it’s the fact that you're not putting a financial buffer in place and you’re not going to feel the financial effects of this increase of money. The key lesson is: having more money allows you to get closer to your big happy goal but you have to be intentional with that money. In this episode:
Resources Download the ULTIMATE annual money planner Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| Financial 'Ins' & 'Outs' For 2024 | 31 Jan 2024 | 00:16:45 | |
In this episode of the Mind Money Soul podcast, I’m going to be reviving a trend and sharing my financial ins and outs of 2024. I’m kicking the episode off with positivity and inspiration by diving straight into my top 8 ‘ins’. My list is a real mix, from money dates and investing, to capsule wardrobes and Vinted. The word for 2024 is INTENTION. Are you spending and saving mindfully? Second hand marketplaces like Vinted are an amazing way to practise mindfulness by supporting sustainability, not spending an insane amount of money on fast fashion, and being intentional with your purchases. I’ll also be sharing my top 6 ‘outs’ including buying things out of habit or impulse. If you can relate to this, the trick is to focus on the root problem, not the consequence. Emotional buying is a by-product of how you’re feeling about yourself, money and life. When you focus on the root cause, you’ll notice that the emotional spending will reduce and over time, stop. Again, it’s all about intention. In this episode:
Resources Download the ULTIMATE annual money planner Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| Money Dates | The Best Tool For Taking Control Of Your Money | 24 Jan 2024 | 00:18:53 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing why money dates are the ultimate tool for taking control of your money. A money date is the practise of regularly sitting down 1 on 1 with your money, spending time with it and going through all the information to analyse the past week or month, plan ahead for the following month and reflect on your relationship with money. This data will move you to the financial drivers seat, so that your money is no longer the one in control. Like I always say, data is knowledge, and knowledge is power. You have to treat your money like you would treat a partner in a healthy, loving relationship. If you’re not going on date nights, spending quality time together or connecting as a couple, you're not going to understand each other and the relationship will break down. It’s exactly the same with money. You need to date your money in order to show your money that you care, respect, love and are interested in it. Going on regular money dates will allow you to feel good about money, build wealth, explore your relationship with money, move closer to your big happy life goals, build financial resilience and improve your confidence. In this episode:
Resources Download the ULTIMATE annual money planner Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| 3 Financial Goals You Need For 2024 & How To Achieve Them | 17 Jan 2024 | 00:20:07 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing the 3 financial goals you NEED for 2024 and how to actually achieve them. 2024 in Numerology is an '8' year full of success, achievements and abundance, which is why when you think about your 2024 goals, it’s even more important to have a section focused on finances. Breaking your goals down into categories will allow you to be intentional with your life goals, which many believe is the key for success. Remember, we are all in control of our own destiny. We owe it to ourselves to put time and thought into carving out the direction of our year in order to create the life of dreams. This comes with intentionality, mindfulness and planning. So, take note as I share the steps and processes to achieving your financial goals. In this episode:
Resources Download the ULTIMATE annual money planner Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| Top 5 Mindset Shifts To Clear Your Christmas Debt & Become Debt-Free In 2024 | 10 Jan 2024 | 00:18:43 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing my top 5 mindset shifts to clear your Christmas debt so that you can become debt free in 2024. Sometimes Christmas can take you by surprise and you spend more than you think. Perhaps you went over budget, ran wild in the Boxing Day sales, spent money to deal with your emotions, or splashed out because ‘fuck it, it’s Christmas!’ You won’t be alone here. If you’ve hit January in sheer panic and you’re counting down until your next pay check, I’ve got you! This episode is going to touch on the different attitudes and mindsets towards clearing your Christmas debt and how to think about debt moving forwards in order to make 2024 your best financial year yet. In this episode:
Resources Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| MONEY MANTRAS | Let's Make 2024 The Best Financial Year | 03 Jan 2024 | 00:12:07 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing 31 powerful money mantras. Welcome back to the first episode of 2024. I want this episode to be an episode that you come back to time and time again or whenever you are in need of some financial inspiration and motivation. This episode is one you can play at any time of day, whatever you’re doing. I want you to listen carefully to the words and truly embody them. Mantras hold great power. When you change how you think and talk, it starts to change how you feel. When you change how you feel about yourself and money, you'll find that naturally your behaviours begin to change. Why? Because your behaviours align with how you feel. This is the mindset that will help you create the future you deserve and desire. So, let’s make 2024 your best financial year yet. Mantras include:
Resources Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| Pension Breakdown Part 4 | Should I Consolidate My Pensions? Pros & Cons Of Pension Consolidation | 27 Dec 2023 | 00:15:03 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing the pros and cons of consolidating your pensions. Every time you start a new job, you get enrolled into a new workplace pension. This means if you’ve changed your job multiple times, you’ll have pensions all over the place. In the UK there are nearly 20 billion pounds of unclaimed and lost pension pots! It’s really important that you avoid becoming part of this statistic by ensuring you have full visibility of your pensions. If you need help, you can use the free pension tracing service to track all of your pensions from different providers. This is an incredibly nuanced topic, largely because there are so many different pension providers that offer different features, benefits and fees, and everyone is a bespoke combination of all of these things. If you’re interested, this is something I’d recommend chatting with a financial advisor who can ensure you’re making the most out of your pensions. In this episode:
Resources Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| Pension Breakdown Part 3 | How Much Should I Be Saving Each Month Towards Retirement? | 20 Dec 2023 | 00:27:17 | |
In this episode of the Mind Money Soul podcast, I’m going to be answering the rather large question of “how much should I be saving for my retirement?”. The short answer is, there’s no right or wrong way and it’s going to look different for everyone. Some financial experts offer a formula to help you calculate your pension which is handy, however I believe in order to work out how much you need to put away, you need to know what you’re working towards. How much do you actually want to retire on and what type of lifestyle do you want? Getting clear on these questions will help you understand how this transposes into financial habits in the now. Remember, you do not have to get an exact amount - it can ebb and flow. Understanding pensions and having an idea of what retirement looks like for you is going to help you know if you’re on track. You can then work backwards and reverse calculate how much you should be saving or investing each month based on your ideal retirement and goal. In this episode:
Resources Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| Pension Breakdown Part 2 | Should I Be Saving Money In A Pension Or Into An ISA? | 13 Dec 2023 | 00:21:55 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing the benefits and the downfalls of different pension products, the other ways you can prepare for retirement and I’ll be comparing pensions vs. ISA’s. This is part 2 of the pension series and today I’m going to be answering the question “should I be saving money in a pension or an ISA?”. Remember, pensions are just one way that you can prepare for retirement - business, property and investment are the 3 main alternatives. It’s normal to feel overwhelmed and confused by your options, however when you understand the pros and cons, rules and features of each product, it will help you make a decision that is right for you. Remember, knowledge fuels power and allows you to make educated choices with confidence. Ultimately, there is no right or wrong way on how to prepare for retirement and it’s going to look different for everyone. It’s about getting clear on when you want to retire, how much you want for retirement and understanding what option/s will work best for you. In this episode:
Resources Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| Pension Breakdown Part 1 | What Are Pensions & Why Do I need One? | 06 Dec 2023 | 00:20:14 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing the basics of pensions; why we need a pension, what they are and a breakdown of the different types. This is the first of a 4 part series on pensions, starting with an introduction to pensions. To put it simply, a pension is a tax-efficient way of saving money for your retirement. In the UK we have the state pension age and the average retirement age - they are two different things which often get muddled up and technically you can retire whenever you want! Having a pension is just one way that you can fund your retirement, you can have other income streams (just like how having a salary is one of the many ways of making money). For most people, your retirement income is going to come from 3 main sources; state pension, personal and/or workplace pension, and other forms of income such as property and investments. With all pension schemes, your money is being invested on the stock market into pension funds. If you understand investing and how the stock market works, you will feel so much more confident in how you are building wealth over time for your retirement. In this episode:
Resources Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| 3 Investing Mindsets To Successfully Build Wealth | 07 Aug 2024 | 00:16:24 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing the 3 mindsets that you need to have to be a successful investor. Your mindset is the foundation for everything you do in life. When it comes to building wealth, you won’t get very far without understanding, embodying and mastering the following mindsets; patience and consistency, embracing risk and adopting an abundance mindset. Patience and consistency are vital because the magic of compound interest depends on time. It’s simple, you can’t rush something that needs patience and strategy to grow. Embracing risk is crucial. No one ever got rich just from saving! Our mind is trying to protect us from the unknown and whilst it might feel like saving is providing you with financial stability, taking no risk at all can really limit building wealth and long term financial growth. Adopting an abundance mindset quite literally has the power to transform your life. It’s about shifting your mindset to view investing as opportunity to create your dream life. People who are financially independent, build wealth and invest think about their long term goals, have mastered these 3 mindsets and put their money to work for them. So, if you want to begin thinking like an investor, become financial independent and achieve your big happy goals, tune in! In this episode:
Resources Download the ULTIMATE annual money planner Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| The Money Hotline | How To Stop Dipping Into Your Savings | 29 Nov 2023 | 00:18:04 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing how you can stop dipping into your savings. I’m back with another “Money Hotline” episode, a dedicated section where you can write in, ask me your dilemma and I’ll share my advice! Today’s request for advice comes from a gal in my DM’s who says “I keep dipping into my savings - please help”. In today’s episode, I’ll be sharing my 6 top tips on what you can do to support your finances on an emotional and practical level. When I was 19 saved 15K and when I was 25 I saved £25K. It would of been very easy to spend this money, but it would of disappeared even quicker. One of the biggest saving graces was learning how to resist dipping into this pot - and it’s down to mindset and strategy. In this episode:
Resources Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| Mind Over Money: Your Mindset Is The Key To Financial Success | 22 Nov 2023 | 00:18:35 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing why your money mindset is the key to financial success. Your money mindset is a unique set of belief’s and attitude’s about money. There are so many different ways that your money mindset can show up and impact you. What are the little things that crop up daily in your business, personal life and finances that make you cringe? These answers are important data about your relationship with money. Don’t ignore these clues, they are gentle nudges towards to things which are holding you back - and they can be changed! It’s important to understand the link between your mindset and financial success and then make a tangible plan to get yourself to the next level - take practical steps like introducing a spending plan and learning how to invest. It’s solely your responsibility to take action. Remember, you are capable of achieving the financial success you deserve. In this episode:
Resources Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| 7 Steps To Becoming Financially Independent (Say Bye To Financial Stress) | 15 Nov 2023 | 00:18:45 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing the 7 steps to becoming financially independent. Think of this episode as a mini guide. I dive into each key topic including financial security, financial freedom and financial independence, and share a roadmap of how to get from where you are, to where you deserve to be. It’s so empowering when you take control of your financial future. Part of it is practical (finding a budget that works for you, choosing the right accounts, learning how to manage your money) and some of it is emotional. It's about making decisions for you and your life, and no one else's. Financial education is a huge part of the picture when it comes to financial independence. Knowledge is power, especially when it’s implemented. In this episode:
Resources Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| Jumpstart Your Goals: Don’t Wait Until New Years Eve To Change Your Life | 08 Nov 2023 | 00:15:47 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing how to jumpstart your goals. It can be so easy to write off the rest of the year and put off starting any new goals/ habits until the new year. The issue with this is, you’re loosing months of your life. It takes 66 days on average to form a new habit. So if you get started now, by the time 2024 rolls in you’re going to be in a much better position. So, let’s do this! What is one goal you can set yourself right now to work on for the next 2 months that will help you feel amazing come NYE? Remember, your actions create a ripple effect. The small changes you make today can create a ripple effect that lead to significant results. Motivation follows action, not the other way round. We assume that we have to wait for motivation in order to strike action, but sometimes we have to grip through the discomfort and pain of taking action (even when you don’t want to) and then the motivation and magic will follow. Imagine who you could be and where you could be in 2 months time. In this episode:
Resources Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| Understanding and Overcoming Overspending: Practical Steps to Break Your Habit | 01 Nov 2023 | 00:17:33 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing practical steps to break your habit of overspending. The biggest issue with overspending is the fact that you’re living outside your means. When you do this you can get yourself into a sticky financial situation including debt, struggling to manage your money and being unable to save or invest, which has a detrimental impact on your financial progress. In this day and age, we’re marketed to constantly. There’s always an ad, billboard or a promotion and we’re constantly battling against marketing in an attempt to not overspend. It’s their job to highlight our pain points so that they can sell their product or service - we’re fighting against all of their clever marketing so we’re not parting with every penny of our hard earned cash. Understanding and overcoming overspending is one of the most important things you can do when it comes to working towards financial independence. In this episode:
Resources Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| The Money Hotline | Paying Into A Pension Vs. Investing In The Stock Market | 25 Oct 2023 | 00:15:04 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing the differences between paying into a pension and investing in the stock market, to help you understand which option is best for you. This is the first of many ‘Money Hotline’ episodes, a dedicated section where you can write in, ask me your dilemma and I’ll share my advice! Today’s question comes from a 19 year old listener who asks “should I be paying into my pension or investing in the stock market?” - and what a great question this is! Here’s something that a lot of people don’t realise - if you have a pension, you are already an investor! A pension is essentially another way to invest in the stock market. Whether you choose to invest by paying into your pension or the stock market is going to depend on your big life goals and your time horizon. Either way, learning to invest is the best way to build wealth and protect yourself against inflation for the future. In this episode:
Resources Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| I'm Turning 30 - Here's 20 Things I wish I Knew At 20 | Part Two | 18 Oct 2023 | 00:27:05 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing part two of my birthday special - the things I wish I knew at 20. As I approach turning the big 3 0, I’ve been thinking about my biggest lessons of the decade and truth be told, it’s been really fun to look back at my 20’s and reflect on. I hope you find some wisdom and comfort from this two-part series. One of my greatest lessons was understanding that investing in yourself is the BEST investment that you can make. Whether you’re investing in your education/ skills/ health, it’s ALWAYS going to offer the best return. When you make an investment, you’re spending money on something that you expect to make a return on in the future. The key thing to understand is, you’re not throwing your money away, you are making an investment so you can better yourself and reach your big happy goals. In this episode:
Resources Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| I'm Turning 30 - Here's 20 Things I wish I Knew At 20 | Part One | 11 Oct 2023 | 00:24:10 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing the things I wish I knew when I was 20. Turning 30 is a milestone for sure. Recently I’ve been thinking about my biggest lessons of this decade and it's been fun to reflect on. I hope you find some wisdom and comfort from this two-part series. One of my greatest lessons was - I wish I knew to start investing sooner. It wasn’t until the age of 26 that I learnt about the concept of compound interest and investing. It then took me another year of researching and learning until I invested my first £1 at the age of 27. In total, I lost 10 years and thousands of pounds. The lesson? Don't wait to invest. You can't gain back the time lost. I wish I'd known to capitalise on the time I had to invest. In this episode:
Resources Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||
| One Thing That Changed My Entire Financial Future | 04 Oct 2023 | 00:26:01 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing the one thing that changed my entire financial future - investing. So many of us think that the sensible option is to “work hard and save your money”. In actual fact, this is a tiring existence. You’re swapping one resource (time) for another (money) and there is no end to the cycle. As long as you want to have money, you have to be working. So, what’s the solution? Investing! Choosing to invest is about making your money work harder for you, instead of constantly working for the money. The power of investing means that over time your money will grow and you can use the profit of that money to fund your lifestyle, whilst your money continues to grow. Investing isn’t something reserved for certain people, it’s for everyone. The key thing is to get started. It’s a powerful tool that allows you to build wealth for the future and helps you work towards financial independence. In this episode:
Resources Connect with me on Instagram, on LinkedIn or on TikTok Send me an Email Book a Money Mindset Exploration Session Get a copy of my FREE Monthly Spending Planner Template Get a copy of my FREE Money Date Template Join Becoming Debt Free | |||