Explore every episode of the podcast Mind Money Soul
| Title | Pub. Date | Duration | |
|---|---|---|---|
| MONEY MANTRAS | Stop feeling GUILTY for spending and ENJOY your money | 05 Feb 2025 | 00:07:31 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing money mantras to help you enjoy your money and stop feeling guilty about spending. Money mantras are powerful tools for transforming your relationship with money. When you listen to them, you're essentially re-wiring your brain to think, act, and feel differently about wealth. If you can make it a habit to listen in the morning, when your mind is in a more receptive state, you're setting yourself up for success. These money mantras will help you release fear around spending and trust yourself to make thoughtful, intentional financial decisions that align with your happiness. Spending money will become an act of self-love, allowing you to create joy and experiences that move you closer to your big happy goals. You’ll feel confident and mindful in your spending, knowing it supports your dreams and adds value to your life’s journey, while also ensuring your financial security through saving and investing. So, tune in, embrace abundance, know you are deserving of your money, and trust that every financial choice you make contributes to achieving your dream life. Mantras include:
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 MANTRAS | CALL in more money and GROW your finances | 29 Jan 2025 | 00:08:20 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing mantras to help you call in more money and grow an abundance mindset. Mantras are an INCREDIBLE tool to help shift your relationship with money. I highly encourage you to listen to mantras once a day (my favourite time is first thing in the morning), and begin to reprogram your beliefs. If you want to make more money, start investing or you grow your investments, this episode of the mantra series is for YOU. Let these words wash over you and sink deeply into your subconscious — "WEALTH and ABUNDANCE are your BIRTHRIGHT, claim it with CONFIDENCE and JOY". Feel the energy of these words and imagine how your future self is going to feel; watching your investment grow, feeling the abundance around you, spotting the endless opportunities. Picture yourself debt-free, confident, financially successful. You are capable of this transformation. You deserve it. Tune in, pay attention to these powerful words and carry this energy into your day. Mantras include:
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 MANTRAS | Hit Your SAVINGS Goals & Stick To Your Spending Plan | 22 Jan 2025 | 00:09:05 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing powerful money mantras to help you hit your savings goals and stick to your spending plan. Mantras are an incredible tool to shift your mindset and reshape how you approach your goals. Depending on what you want to achieve, listening to specific mantra tracks can seriously enhance your personal growth. In this episode of the mantra series, the focus is on growing your savings, stopping overspending, and sticking to your budget. Take a moment to truly connect with the energy of these words. Imagine having money in savings that you don’t need to touch. Visualise yourself reaching your savings goals with ease. See yourself staying committed to your plan and watching that money grow, feeling the pride and joy that comes with it. Think about how you’ll use that money, whether it’s for a home, a car, a dream vacation, or simply to enjoy the peace and security of financial stability. Whatever your goal may be, imagine it now. You deserve this, and you are absolutely capable of making it happen. Mantras include:
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 MANTRAS | Become and stay DEBT-FREE | 16 Jan 2025 | 00:08:33 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing powerful money mantras to help you become and stay debt-free. 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 support, energy 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. Imagine the weight of debt lifting from your shoulders. Picture yourself debt-free, confident, and thriving. You are capable of this transformation. You deserve it. 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 desire. Mantras include:
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 BIG Reflections in Life And Business from 2024 | 28 Dec 2024 | 00:10:38 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing my 5 reflections from 2024.. and it’s a good one!
Where has the year gone?! So crazy how time flies and this year I have learnt A LOT about myself, my business, about life. And I am excited to share with you 5 of my top selections.
In the final episode of Mind, Money, Soul for 2024, I share heartfelt reflections from the past year. Recording from a cozy setting, I delve into five key insights, including the importance of adaptability, the realisation that we are not our thoughts, and the joy of turning 30. I discuss the challenges of being a business owner and emphasise making quick decisions and maintaining self-belief. The episode also highlights the necessity of setting boundaries by saying 'no' to safeguard one’s time and energy.
00:00 Welcome to the Final Episode of 2020 00:30 Embracing Unplanned Paths 01:52 We Are Not Our Thoughts 03:51 I need you to know that 30 is Not Old 04:51 Embrace Aging: It's a Privilege 05:27 The Challenges of Being a Business Owner 05:53 The Importance of Decision Making 06:42 Self-Belief: The Key to Success 07:37 Saying Yes Means Saying No 08:57 Podcast Reflections and Future Plans
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
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| 3 Things I Know To Be True About Money | 18 Dec 2024 | 00:09:46 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing the 3 things I know to be true about money. These 3 truths are powerful ways to reframe your relationship with money. First up, you've gotta think of money as a TOOL. It's a resource that helps you create the life you desire. Money itself isn’t inherently good or bad; the emotions we attach to it give it meaning. So, if you’ve ever felt unworthy of money, it’s time to challenge that belief. Picture money as part of a toolkit - just like how tools are essential for building a wardrobe, money is essential for building your dream life. Building your wardrobe or dream life without using a toolkit doesn’t make you noble; it makes it harder, it takes longer and limits your potential. When you use money intentionally as a tool, you can unlock incredible opportunities in less time and with more ease. Next up, money is ENERGY and its flow is crucial. Like a river, money needs to flow in and out of your life to maintain its vitality. While saving is important, hoarding money can create stagnancy. Balance saving and spending to keep the energy flowwwwing. Last and by no means least, money is ABUNDANT and cultivating this belief is crucial to building wealth. Abundance isn’t just about having more; it’s about shifting away from a mindset of lack and scarcity. Wealthy people succeed because they invite abundance and you can too. Whether you’re manifesting money, seeking opportunities or you're a single gal looking for love, it all starts with believing in the possibility of abundance. So there we have it; tools, energy and abundance. Tune in to discover where you may be falling short and what you need to do to hit 3/3. 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 | |||
| You Deserve To Have Money & Build Wealth | Money Pep Talk | 11 Dec 2024 | 00:10:22 | |
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 | |||
| ISA Breakdown | Everything You NEED To Know About ISA’s | 04 Dec 2024 | 00:17:36 | |
In this episode of the Mind Money Soul podcast, I’m going to be breaking down the different types of ISA's. ISA stands for Individual Savings Account. Each tax year (from April to April), you’re given a £20,000 ISA allowance. This means you can save or invest up to £20,000 in ISAs without paying any tax on the interest you earn. You can put all your money into one type of ISA or spread it across multiple types, just remember that the combined total cannot exceed your £20,000 annual limit. With so many different types of ISA’s out there, it’s no surprise why you might feel overwhelmed and even deter you from opening one. What are they? Why are the useful? How do they work?! I’ll be sharing a brief overview of the top line information that you need to know about ISA accounts available in the UK. There are some AMAZING benefits of ISA’s! Did you know the government add a 25% bonus to money you add to a lifetime ISA, which means if you maxed the limit of £4,000 you would receive £1,000 of free money - big fat slay! Taking some time to educate yourself can MASSIVELY help you in the long run! So dream big, think of your big happy goals, educate yourself and explore how an ISA can help support you on your journey to 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 | |||
| 10 Steps To Reset Your Finances | 27 Nov 2024 | 00:10:14 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing 10 steps to reset your finances. Do you feel like you're not in control of your finances? Maybe you're usually good at budgeting and saving, but lately, you feel out of touch with your money. If this sounds all too familiar, it’s time to take charge and reset. I don't know about you, but for me, the end of summer has brought this realisation. Summer was a whirlwind, I spent a lot (and had a LOT of fun doing so). However fast forward to November and I’m feeling disconnected from my money. I don’t want to wait until the New Year to fix it. We've still got December! Trust me when I say ignoring the issue will only make it worse. The solution? Set aside time for a money date to work through these 10 steps to reconnect with your finances and prepare for a successful 2025. From tackling debt and defining clear goals to creating an annual plan and writing a vision letter, these steps will help you take control and stay motivated. Finish the year strong by reflecting on your financial priorities, organising your money, and planning 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 | |||
| The Power Of Investing In Precious Metals | 20 Nov 2024 | 00:15:07 | |
In this episode of the Mind Money Soul podcast, I’m diving into the fascinating world of investing in precious metals - what it is, why it matters, and how to get started. [AD] This episode is sponsored by The Royal Mint - very excited about this one hunnies. What an amazing company to partner with for me and you all to learn more about investing in precious metals - learn more here I often talk about investing as a powerful way to build wealth. Usually, I focus on topics like the stock market, property, and business. But today, I’m excited to explore the unique power of investing in precious metals. I'll admit, like anything that is new or unknown, this topic felt slightly intimidating, simply because I didn't fully understand it. Since undertaking research and learning the "what", why” and “how” behind it, I’ve come to realise just how empowering and impactful it can be. We invest as a way to protect our wealth, especially from inflation. Inflation erodes the buying power of your money. When you leave your money sitting in cash, it loses purchasing power year after year. By swapping cash for assets like precious metals that grow in value over time, you’re not only preserving your wealth but you're also beating inflation. One of the biggest barriers to investing for women is a combination of risk aversion and lack of knowledge. Research shows that women are 45% more likely than men to hesitate when it comes to starting or expanding their investment portfolios due to a lack of knowledge. My hope is that this episode, along with resources shared by The Royal Mint, will help bridge that gap and inspire you to diversify both your knowledge and your portfolio. In this episode:
Resources Check out physical and digital precious metals investment opportunities with The Royal Mint 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 | |||
| Invest In The Stock Market Or Into Property? | 13 Nov 2024 | 00:19:08 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing how to choose between investing in a property or the stock market. I get asked this question all the time and there’s no one-size-fits-all answer. Everyone’s priorities, circumstances, dreams and values are unique. It’s essential to get clear on what you truly want, beyond the expectations of society or family. If you value liquidity and growth, the stock market might be a better path. But if you’re looking for stability and a tangible asset, buying property could be more aligned with your goals. By the end of this episode, I hope you’ll have a clearer sense of which option feels right for you. Sometimes, our decisions make more emotional sense than financial. If owning a home has always been your dream, and it gives you a sense of fulfilment—even if it’s not the most profitable choice—that’s ok. Life isn’t just about financial gain; it’s about what we do with our money to live fully. So if you’ve run the numbers and still feel it’s the right choice, trust yourself, pursue your dreams and go for 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 | |||
| The Psychology Of Spending: Why We Buy What We Don’t Need | 06 Nov 2024 | 00:15:07 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing the psychology of spending. I’ve had an absolute ball this summer #noregrets but I can say with confidence that I’ve bought and spent money on things that I definitely don’t need. Let’s be honest - most of us have been here. Our spending habits are closely tied to our mindset, so today we’ll be exploring this connection to help you make positive changes towards financial freedom. Moving from impulsive to intentional spending starts with building a strong connection to your goals and values. When you’re truly aligned with what you want for your future and the deeper reasons behind why you value money, it becomes easier to pause and ask, “does this purchase bring me closer to my goals, or does it pull me further away?” This kind of self-questioning helps you spend more intentionally, prioritizing what truly matters to you. Seeing yourself as financially empowered is another powerful mindset shift. When you focus your self-worth and fulfilment on experiences, relationships, and personal growth—not just material goods—you create a sense of value that can’t be taken away. Your self-worth is built on how you view yourself, the way you show up in your relationships, and the impact you have on others, not on the things you own or the way others perceive you. The more in tune you are with yourself, the more you’ll enjoy life without relying on external gratification. Learning to sit with your emotions, knowing you’ll be okay regardless of what you’re feeling, is incredibly powerful. Material things might bring a quick fix but that feeling fades fast. Lasting fulfilment comes from within. 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 Shit With Money Anyway, So What Is The Point?” | 30 Oct 2024 | 00:18:05 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing why certain behaviours aren't helping you make any financial progress and 5 steps to implement change. Tell me, do any of these beliefs or behaviours sound familiar? “Im so shit with money, whats the point in trying?” Maybe you start off the month with the best of intentions and a budget, but you make a small little mistake and the whole plan goes straight out the window. Perhaps you have an ‘all or nothing’ attitude, so you live by extremes and find yourself yo-yo-ing between saving and then splurging it all. Maybe you say things like “I’m a spender, I just can’t help it!”. Or maybe you’re a perfectionist and you think there's a perfect money management process out there where nothing goes wrong and you feel like you haven’t cracked it yet so you keep starting new every month and never make any process. If you relate to any of these, I’m going to be sharing why these behaviours aren't helping you make any financial progress and most importantly how to shift your attitude and energy. I’ll be divulging why how you identify is how you will act, how the compound effect shapes your finances and habits over time and 5 ways that you can shift your energy and attitude. Getting honest with your habits, mindset and behaviours and acknowledging how the compound effect can shape your life over a year, and even 10 years, will help you start to make positive change. The quicker you can nip your negative behaviours in the bud and implement positive financial habits with your budgeting and your language, the quicker you’ll be able to create a life of financial freedom, whatever this looks like 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 | |||
| Stop Wasting Your Life & Money Doing This… | 23 Oct 2024 | 00:15:10 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing the harsh reality that you might be wasting your time and money. I’m going to call you out on this - if you are spending mindlessly, you are wasting your life. Ouch. That’s a killer to hear, I know. When you go to work, whether that is a 9-5, you run your own business or you’re self-employed, you are swapping your time for money. Time is our most valuable asset. Why? It’s a finite resource and we only have so much of it in a day, a week, a month, a year, a lifetime. Unlike money, once you’ve spent it, you can’t get it back or make any more. Which is why you could argue that time is more valuable than money. So, if you go to work, swap your time for money and then mindlessly spend that hard earned cash on things that don’t add to your life, then you could say that you are wasting your life. Wealth is the ability to fully experience life, so if you find yourself spending on things that are not going to benefit your health, wealth or future self, or inhibits your ability to experience life to the fullest, then you need to schedule a money date. Get honest; evaluate your spending habits and get connected with your values in order to make conscious choices that support your goals and dream life. 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 | |||
| If You Feel Guilty About Spending, This Is For You! | 16 Oct 2024 | 00:19:24 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing what to do if you feel guilty spending your money. There are two main reasons you might feel guilty about spending money: either you're not saving or investing enough to progress financially, or you're successfully building wealth but have a poor relationship with money. I’ll be helping you identify the source of your guilt and sharing tips on how to find the perfect balance between saving, investing and enjoying your money. Some people save or invest most of their income, waiting for a certain point—like retirement at 60—to enjoy it. But as you age, your time, health, and energy diminish. If you keep waiting to enjoy your money, many of the things you're saving for might not be possible or desirable later in life. It’s crucial to seize opportunities and live in the now. If you wait to spend your money, your habits can become so ingrained that you’ll struggle to shift to a spending mindset later, and you'll keep finding excuses to postpone. That said, don’t spend everything—balance is key. This comes down to improving your relationship with money, budgeting and setting financial goals. The ultimate goal is to achieve financial freedom in order to retire comfortably and enjoy your dream life, but also to spend your money and create memories that will continue to pay dividends and last you a lifetime. 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 | |||
| BIRTHDAY SPECIAL - 30 Things I Learnt At 30 | 09 Oct 2024 | 00:28:52 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing 30 things I learnt at 30. This week, I’m celebrating my 31st birthday! I felt compelled to share my own reflections on life, growing older and why your life does NOT end at 30. Like many, I feared this milestone. I entered the pandemic at 27 and felt like I’d been robbed of my prime years (I’m sure many of you can relate to this). So much is geared towards being in your 20’s; experimenting, having fun, experiencing life, not having it all figured out and the reassurance that it’s ok because this is what your 20’s are for. All this does is reinforce the idea that mistakes and messiness outside of your 20’s is not welcome and if you don’t have your shit together in your 30s then you’ve failed. Now that I’m on the other side of 30, I realise how untrue this is. This year I’ve cared less, felt more liberated and free than ever, and I’ve had SO MUCH fun. I’m truly 30, dirty and thriving and it’s going to be an ICONIC decade. I’ve rounded up my own list of 30 life lessons I’ve learned along the way, from self-investment to why I’m so here for empowering sex, how a gua sha has quite literally changed my face, and why sometimes being delulu is the solulu. Tune in to hear why your thirties have the potential to be the best years yet, my top life lessons that will change your perspective on age, growth, and self-worth and how to thrive at any age—without the pressure of having it all figured out. 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 | |||
| Sticking To Your Spending Plan - Budgeting Tips | 02 Oct 2024 | 00:19:24 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing the emotional, practical, psychological side of sticking to a budget. Staying on track of your spending is one of the BIGGEST issues in my community; I want you to know you’re not alone. I’ll be real with you - I have been a master budgeter, but since I started my business, went full time, took a pay cut and made the conscious decision to do more in terms of living my life, budgeting has become more difficult. Money management and mindset is an ongoing journey. I’ve saved £40,000, I’m a money coach AND I’ve struggled to stick to my budget at points too. Have I always stuck to my budget? No. Have I got tricks that help me? Absolutely. For a lot of you, the word ‘budget’ will bring up a lot of feelings about sacrifice and compromise but in actual fact, a budget is the tool that gives you freedom in the long run. This is why it’s so important to work past your emotional and psychological traps so you can use a budget to your advantage in order to build financial confidence, achieve financial freedom and expand your abundance mindset. 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 | |||
| Breaking Free From A Scarcity Mindset: How To Unlock Abundance & Wealth | 26 Sep 2024 | 00:12:07 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing 4 practical things you can do to break free from a scarcity mindset and unlock abundance. As we say goodbye to our summer of fun and move into autumn, now is the perfect time to check-in on our money mindset. Have you caught yourself recently saying comments like “I’ll never be able to afford that” or “I won’t get that money back”? Language and thoughts like these are tell-tell signs that you have adopted a scarcity mindset. This mindset will hold you back and can lead to poor financial decisions. You might find yourself stuck in a pay check to pay check situation or missing out on amazing opportunities because you’re afraid to let go of your money. You might find yourself not investing in things like stocks, courses, and business opportunities because you’re afraid of losing money. Ironically, this mindset is the thing that holds you back from making moves that will build you wealth over time. This is why it’s imperative that you shift to an abundance mindset, if you dream of a life full of financial freedom. With an abundance mindset, you’ll be more likely to make good financial decisions, take strategic risks, invest in your future and make long term decisions that will build real wealth. It’s important to acknowledge where your mindset is at right now, where it could be, and where it’s holding you back, so that you can take action and make massive shifts in your financial freedom. You have the power to take these small steps and you have the capability to learn. The more you learn, the more action you can take, and each day you’ll see how this domino affect will transform your confidence and 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 | |||
| How To Actually Improve Your Credit Score | 18 Sep 2024 | 00:11:31 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing how to improve your credit score. At some point in your life you're going to need to borrow money and in order to do so you’ll need a good credit score. Working class people are often taught that borrowing money and consumer debt is bad - largely because of high-interest rates and the fact that it’s often used to purchase depreciating assets - however wealthy people are taught to use debt strategically. They leverage borrowing to grow their wealth, whether through business ventures, student loans, or real estate investments like mortgages. If your credit score is low, there are steps you can take to improve it. However, it's important to remember that your credit score isn't everything. While a good score is important if you're planning to buy a house, other financial factors matter too. Remember, your self-worth is not your net worth… or your credit score. If your score is less than ideal, focus on improving it so that you're in a stronger position when you need to borrow in the 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 | |||
| 7 Important Lessons I've Learnt About Finance | 11 Sep 2024 | 00:16:13 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing the 7 important lessons that I've learnt on my journey about finances. One of the greatest lessons I've learnt is that it's important and necessary to take risks. People sometimes say "investing is risky”, but the irony is; saving your money instead of investing is risky and it has major downsides. A lot of us are taught from a young age that saving is the safest option and most of us bring this mindset into adulthood. But the reality is, inflation is eating into the buying power of your money and you are quite literally loosing your hard earned cash. Strategic, calculated risk-taking is not about being reckless; it's about making smart investments that can help you grow your wealth over time. By doing so, you’re not just preserving your money, you’re actively working to increase its value. Money is an incredible tool that can enable you to live the life of your dreams. It’s not just about having enough to get by, it’s about using your financial resources to create the lifestyle you desire.Tune in to discover some of the biggest eye-openers I’ve encountered on my financial journey and how you can apply them to your own life to build wealth and become financially free. 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 | |||
| 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 | |||
| 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 | |||
| 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 | |||
| 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 | |||
| 4 Step Method To Money Mindset Mastery | 31 Jul 2024 | 00:51:21 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing my four step method to money mindset mastery. Today’s episode is slightly different as I’m sharing a recent conversation where I was interviewed by Anita Anello, a fellow business owner, coach, successful software executive and mom dedicated to helping women enjoy more time, money and freedom. We dive into all things money mindset, your relationship with money, financial freedom and understanding your financial habits. I’m a big believer that the way you think and feel about money will be your reality with your money. All the decisions that you make about money come from a place of emotion which we then justify with logic. We all have a money mindset (the unique beliefs and attitudes you have towards money that impact the way you earn, save and spend money) and we all have a money story (your belief system made up of individual, societal, religious, cultural and generational beliefs). These both shape the way you view money and how it works in the world. It’s important to remember that you have the power to change your money story and cultivate a positive, empowering and abundant mindset. Tune in to today’s episode for my 4 step method… In this episode:
Resources Connect with Anita Anello 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 | |||
| Special Episode: Creating Your Dream Life | 24 Jul 2024 | 00:21:11 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing how you can create your dream life. We’re celebrating the 100th episode of Mind Money Soul! In line with this milestone, I decided to go through some of my old journals from the past decade. It was wild (and emotional) to reflect on my journey and I wanted to share my 10 biggest lessons in the hope that it reminds you just how possible it is to have WHATEVER you want, even if right now it doesn’t feel achievable. I’m a big believer that no matter who you are, you can create your dream life. We were given dreams for a reason. If you have a dream and you can imagine it, then you can have it. Everything gets created twice, first in our mind and second when you put it out into the world. The version you have in your mind is important, it’s powerful and it’s possible. If you really want something, you can change your life. If you work hard, use your willpower, practise discipline, try different things and embody that future version of yourself, one day you'll find you're living your initial dream. This is why being present is so important. Time is going to pass anyway, so why not try and create the life you want, go after your dreams and embody that version of yourself, because along the way you’re going to hopefully enjoy the journey and find that you've created a life for yourself that is bigger and better than you ever imagined. 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 REALLY Stay Committed To Your Saving Goals | 17 Jul 2024 | 00:13:02 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing exactly what to do if you're struggling to hit your financial goals. We all go through ebbs and flows of staying on track towards our big happy goals. One moment you could feel like the ultimate savings Queen and the next minute you could be splashing the cash like there’s no tomorrow without absolutely no motivation to save. Take it from me, I’ve been saving on and off for over 14 years. Since I was 16, I’ve gone through amazing periods where I’ve felt unstoppable and other times where it’s felt really tough. I’m almost certain that you too can relate to the highs and lows of saving. Maybe you are playing small and not saving consistency. Maybe you are self-sabotaging and constantly dipping into your savings. Maybe you keep overspending and have nothing left to even save. All these things will leave you feeling like you’re not progressing towards your goals. So, today I’m sharing my top 5 tips to help you stay motivated towards your financial dreams and aspirations, including how to identify your issues and goals, how to get emotionally connected to them, and the practical actions to save and track your progress. 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 | |||
| Saving Vs. Spending - Which Era Are You In? | 11 Jul 2024 | 00:12:53 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing how you can fluctuate and transition between spending and saving and what you can do to find balance. You’ll go through phases in your life where sometimes you’ll be spending more than you’re saving, and vice versa, depending on where you’re at in your life, your goals and priorities. I don’t know about you, but right now, it’s summer 2024 and I can safely say I’m in my spending era. I’m having a good time, making memories, enjoying my money and living my best life. That said, I’m a big believer that you can always return to a healthy balance between saving, spending and investing. When it comes to finding balance, it can be so easy to fall off the wagon and even easier to beat ourselves up about it, but we can’t shame ourselves into better habits. When it comes to the question “how much should I be saving and spending”, there is no right or wrong answer and it’s going to look different for everyone. You can gain clarity around what balance means to you by reverse engineering and mapping out your financial and big happy life goals. It’s important to remember that spending money is always going to be a part of living your life, but it’s not healthy to live pay check to pay check. As much fun as you can have spending your money, the stress of not having money saved or invested can be greater and cancel out the fun. This is why the balance is so important; ensuring that you’re continually feeding your emergency fund, and that you’ll be safe and secure if you ever were to lose your income, but also saying yes to opportunities and living life to the fullest. 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 | |||
| Do These 5 Things To Make FREE Money | 03 Jul 2024 | 00:10:30 | |
In this episode of the Mind Money Soul podcast, I’m going to be sharing the top 5 ways to make free money. Who doesn’t love free money?! In this episode, I dive into some smart ways to get the most out of your money, starting with the Lifetime ISA. Find out how you can get free cash from the government just by opening a Lifetime ISA, and learn about its perks and limitations. I also reveal a key industry secret: the benefits of a Stocks & Shares Lifetime ISA, and why it’s a great tax-efficient way to save and grow your money. Tune in as we explore various other money-making strategies. Learn how to boost your finances using referral schemes, and discover cashback and reward sites and apps that let you earn money while you shop. Yes, you heard that right—you can actually get paid to shop online! I also talk about the importance of paying into your workplace pension and how switching your current account, banks, or utility providers can score you up to £200. So, if you’re looking to make some extra cash, don’t miss this episode! 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 | |||
| 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 | |||
| 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 | |||
| 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 | |||