MONEY MATTERS with Misi: Recent Episodes
Misi Owete
Money Matters covers all things money from budgets to personal home and business finances savings investments practical applications and insights out of the box options for all age groups and all walks of life
The wealthy create income generating assets to meet needs others save up or use their savings to meet their needs
Whether you are a basic tax payer or a high tax payer. There are benefits to being a Gift Aid Donor.
Some of us struggle to keep saving or keep what we save. This episode discusses how to keep your savings and creative ways of savings
Good last for a very long time. Excellent best and other appellations require constant improvement
Looking at bargains and how to get the most for your money. An episode in memory of Mrs TF Owoseni
Have you heard or said it’s only just to justify spending. This is not a good reason to spend and could be an indication of a deeper issue
Insurance can be used as a hedge when we don’t have the cash to put aside for emergency
There is no limit to the income you can generate. You can reduce your expenses by only so much so why not concentrate on the income
Which is better pay debt off first then save towards investment or save and pay of debt. This episode deals with the question listen to find out
You need something to invest to do this you need to start putting some of your income aside. Don’t wait until your are forced to cut back do it now
Why investing is important to our journey to becoming financially independent or successful
Wealth is created slowly over time. Diversifying and protecting what you have been accumulating over time
Wealth is created it doesn’t just happen. How you manage your money will help you create wealth
You need to define what being Rich means to you and not accept society’s definition. If money was not an issue what would your life look like?
The level of income does not determine whether we are rich or wealthy or affluent. What we do with our income is what is important
We look at the mindset we have of money and explore other alternatives to how we think about money
We look at credit referencing, credit scoring, credit profiling, the factors that affect credit scoring how you can improve your score. We also consider how credit cards affect your profile
We look at the main similarities and differences between trading and investing and when either would be suitable
We discuss why return on investment is important to making your decision on whether to invest or not and why this is one of the important questions to ask before making your decision
In this episode we consider what generational wealth means why it is important and how to create it
In this episode we talk about how to check your bills to ensure you are getting the best deals
In this episode we look at how to reduce your monthly credit commitments including mortgages
In this episode we consider how to be frugal, not just hoarding and when being frugal does not lead to waste
In this episode we look at the energy prices and what we can do reduces our energy bills practically
In this episode we look at how to manage our energy usage to reduce the price increases
In this episode we look at the support the Government is offering and how you can get it if you are eligible
We answer the question of what do I do with my savings and suggest where to put it as well as the percentages to be saved
This episode looks are points to consider when responding to adverts about making money training. How to spot scams
How my Mum responded to the cost of living crisis in her time and the lessons we can learn from her
Creating multiple streams of income from you current source of income. Generating income from other sources
Every economic climate offers different opportunities. We look at the opportunities presented by Recession
We attempt to differentiate between hobbies side hustle, or business. We look at the circumstances when either would be applicable
In a recession money not managed well could lead to debt. We discuss your options if in debt
In this episode we consider principles of investing. We look at the reasons why we invest and how that affects our investment choices. How to build an investment pot quickly and more
We look at which is better of the two Gold or Silver? How do you know that you are getting the best price or value for your investment.
This is the concluding episode on how to invest in gold and silver. It covers where to buy where to sell timing etc
We look a at points to consider when choosing to invest in commodities, gold and silver
The say the best time to invest was years ago. The next best time is now. Investing is a serious risky business but don’t be put off. Start small. Start cautiously. Start NOW
This episode describes the steps to start investing from positive and surplus cashflow, to creating assets, to investing till we achieve or reach our goals
We look at the investment classes you could invest £1000. Shares, bonds, indexes, ISA. Property, Real Estate. Business, Creating assets. Commodities, Gold and Silver.
We compare savings with investing. We look at factors that help us decide whether to save or invest including risk, returns, diversifying, compounding.
We look and the difference between savings and investments. How to maximise both, the risk and returns and other things to consider
We discuss the ways to save £1000 in a month by putting aside surplus, selling items, side hustle, business etc
The amount you have should not be a barrier to you starting to invest. There are options for you. So we look at how to invest £10
We continue to discuss what financial independence looks like and how we can attain this goal
We look at the steps that help us attain financial independence. The meaning of financial independence and how to apply that to ourselves. How to set up the plans to get us debt-free
We look at the different investments classes and how passive income businesses can become an assets (Investments)
This episode looks at how to start getting Passive Income, trading versus investing how much you need to start passive income venture and more
This episode looks at what passive income and why we would consider having a passive income source
We look at self invested personal pensions. How to set up your pension and when you can invest your funds
We look at what a pension is. We also look at some of the types of pensions schemes and how they work
A thought provoking episode about our attitude to pensions. What to consider when deciding on whether to start a pension and what type of pension.
This episode looks at how tax is calculated and why it looks like the rich pay less tax
This episode looks at what capital allowances are, how we can use them to reduce our tax liability.
This episode looks at the service contracts that needs to be reviewed to ensure you are getting the best value for money
This is the concluding part of tax for self employed and small businesses we look at the expenses that are allowed to be deducted from your turnover to arrive at the profit you pay tax on.
We look at the expenses the self employed overlook but can use to reduce their tax liability
We look at how employees can get back some of the tax they have already paid by claiming relief.
We consider those that need to complete a self assessment tax return this would include those that pay tax via payroll (PAYE) already. There is the benefit of reducing the tax you paid already ie get a refund
The concluding part of planning for the new year. How to use your values and your roles to set goal. Determine your REASON WHY.
December is usually the best time to plan for the New Year. Most would do the same thing they did previous years hoping to be disciplined to change thing. We look at how to review the current or past year and use the lessons we learned to plan for the New Year
This episode looks at the basics of investing in Commodities specifically Gold and Silver. Tax Free - Capital Gains Tax and Value Added Tax Free
We look at the steps involved in starting your business from ideas to planning business registration
Which is better sole trader or limited liability company. We compare both highlighting the pros and cons of both.
We look at different type of scams pyramid schemes, Ponzi schemes, identity theft, etc.
This episode cover how to write a business plan. The why, the what, the who, the when and how of a business plan.
We look at how much to invest. What returns to expect. How different investments vehicles meet different investments needs
This episode looks at the process to follow to buying your home from preparation to collecting your keys
We discuss how new small business owners get paid or decide on how much to pay themselves
We look at investments what they are and whether you should be investing. The different investments vehicle or classes
A conversation about riches, wealth, prosperity. The differences between each. The mindset of prosperity in relation to riches and wealth
Dropshipping is an e-commerce model that does not require you to hold stock. The manufacturer sends the product directly to your customers. It’s a low start up cost. For more information go to https://www.dropshipformula.co.uk/masterclass
Insurance is used to help protect and build wealth. Some are a legal requirement others necessary. We look at types of insurances and what they do
Passive Income looks at alternate incomes sources other than a job. You generally do not have to do much to get this income. You set it up once and the income keeps coming in
This episode looks at the income Opportunities out there in the current climate. Things to consider if you are facing job loss or just want an extra income
This a tribute to my mum Mrs Taiye Feyisade Owoseni. She was an amazing woman who left us too soon. A true woman proverbs 31 woman. An example to us and a blessing to all knew her.
The episode is a sequel to losing pounds without losing pounds. It’s the story of my journey to fitness, it also looks at the settings small manageable targets to achieve the bigger goal
We look at how first time buyers can get on the property ladder. Options include right to buy, right to acquire, shared ownership, help to buy. Other creative ways like bank of mum and dad property guardians.
We look at how to get a better price than that advertised. Every thing is up for negotiation. You need to know how
This episode looks at how we use our time. It encourages us to stop trading our time for money but rather exchange our money for time. It looks at budgeting our time and ensuring we spend time doing the things we love and want to do
This episode discusses different types of mortgages including tips on how to pay off mortgages early as well as savvy mortgage rates and types
An interview with a Financial / Mortgage Adviser about mortgages for first time buyers, help to buy mortgages, required deposit, loan to values, income multiples, the difference between high street lender mortgages and whole of market mortgages and how to prepare your self for your first property
In this episode we discuss how credit cards works, how you can use it to build you credit profile, how to pay pay off your credit cards, loans and mortgage early. We look at the different between a loan and a line of credit.
A podcast about how to loose lbs pounds without loosing £ pounds I talk about my journey to loosing pounds
Have you ever wondered what happened to your money at the end of every month. In this episode we attempt to look at how the average person’s money is distributed and suggest how it should be distributed enjoy
Saving the pennies is as important as what you do with it . This episode discusses what to do with your savings
This episode looks at budget outgoings, how to work out your outgoings and how to get best value for services. It also looks at how to reduce your expenses
This episode focuses on what we can all do while on lock down, making the best use of the time and opportunities
This episode focuses on small businesses the support available to them and what they can do to survive
This episode looks at what you can do if the cover pandemic has left you without a job or business
Money Matters meaning money is important it makes a difference Money Matters meaning money issues. We will be discussing all things money with a biblical perspective. A fun but serious outlook