Women & Money Cafe: Recent Episodes
Women & Money Cafe
The Women and Money Cafe is a space where women can come and listen and learn about all things money in a friendly, informal, no-jargon environment. Co-hosted by qualified financial planners and certified financial coaches Julie Flynn and Catherine Thomas-Humphreys. Each episode in the Women and Money Cafe we bring together members of our expert panel of female financial advisers, coaches, investment managers, guest experts and women from all walks of life to share, support and make space for Women to feel empowered with money. We make finance accessible and fun whilst expertly de-mystifying money and sharing our wealth of expert knowledge.Come join us on the sofa, in the Women & Money Cafe
We're busy planning our next batch of episodes for you. So do let us know if you have any requests.
In the meantime, over the coming weeks, each of the hosts is going to be sharing one of their favourite episodes.
This week it's one of our very early episodes, 21. I've got £10k what should I do with it.
The great thing about this show was that the principles we apply work whatever sum of money you have. If £1,000 has just landed in your bank account you weren't expecting, or if it's £100,000. Have a listen for the steps we suggest you follow.
One thing to note, this was originally recorded back in 2022. Back then interest rates were a lot lower than they are today in 2024. So it is definitely worth shopping around for bank interest rates. I'm going to caveat that though, the purpose of money held in the bank is not to make money, the main purpose is that it's money you can get your hands on quickly with no risk of value going up and down.
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***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
We're busy planning our next batch of episodes for you. So do let us know if you have any requests.
In the meantime, over the coming weeks, each of the hosts is going to be sharing one of their favourite episodes.
It's Julie's turn this week and her favourite was 51. The Secrets of Financial Coaching.
This episode is packed full of tips on how to understand your behaviour around money. And more importantly, how you can change any of those behaviours that don't serve you as well as you would like.
Support the show
✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
We're busy planning our next batch of episodes for you. So do let us know if you have any requests.
In the meantime, over the coming weeks, each of the hosts is going to be sharing one of their favourite episodes.
It's Michelle up this week, and her favourite was 67. Beating Lifestyle Inflation.
We look into what and how we end up with lifestyle creep. And more importantly, how to beat it!
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***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
We've been getting a lot of messages to the WMC HQ about pensions. So we thought it would be timely to revisit episode 53, where Julie, Michelle and Sara walked you through what your next steps are.
Some of the things we cover:
- How to find a financial adviser
- What happens in the first meeting
- What to bring with you to the meeting
- What we’re looking at in the paperwork
- How we will explain your pensions to you
- What happens at the end of the meeting
Resources:Pension Wise
Pension Tracing Service
VouchedFor
Unbiased
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***We genuinely love hearing your questions and feedback.
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Get ready to level up your career game in this episode of Women & Money Cafe, as we dive into the nitty-gritty of job offers and benefits. From company culture to pension plans, no stone is left unturned! Here's what you can expect:
- Michelle's advice on gauging company culture and work-life balance
- Emily's insights on aligning personal and company values and considering sustainable initiatives
- Julie's discussion on company policies, unique benefits, and work-life balance
- Tips on evaluating job offers' impact on personal life and envisioning career aspirations
- The significance of team dynamics and professional development opportunities
- Important considerations like promised benefits in writing, long-term career goals, and thorough analysis of offer details.
- The lowdown on financial aspects, including pensions, bonuses, holidays, private medical insurance, and more
- The crucial role of mental health support and additional benefits like counseling programs
- Real-life examples and experiences, from pension pitfalls to negotiating for better benefits
- Key resources mentioned throughout the episode for further research and guidance
Websites mentioned:
- B Corporation (https://bcorporation.net/)
- Glassdoor (https://www.glassdoor.com/)
YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook
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✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
Prepare for a dive into a rapid-fire checklist for the end of the tax year. Get ready for crucial tax-saving tips and insights that will set you on a path to financial empowerment.
Areas covered:
- ISA Allowance: Understanding the current £20,000 allowance and making the most of it for tax-free growth and earnings.
- Capital Gains Tax Allowance: Exploring the shrinking annual allowance and strategies to capitalise on it before it drops to £3,000.
- Pensions: Unveiling the tax efficiency of pensions, contribution limits, and the benefits of using the pension wrapper.
- Child Benefit: Clever tactics involving pensions, salary sacrifice, and charitable giving to retain child benefit entitlement.
- Inheritance Tax: Uncovering the power of the annual £3,000 gift exemption and its cumulative impact on estate planning.
- HMRC website: Find a downloadable form for keeping track of your gifts for inheritance tax planning.
Your Hosts:
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook
Support the show
✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
In this episode , the hosts, including returning founder member Tamsin Caine, explore the challenges and opportunities of managing finances as a single woman, particularly after a divorce or widowhood. They discuss the emotional and practical aspects of taking full control of finances, from setting up emergency funds to investing for the future. With a focus on empowerment, the episode covers the importance of building a support system, and the benefits of financial planning for single individuals and the importance of having a 'money wife' for support and accountability.
GUEST EXPERT: TAMSIN CAINE is a Chartered Financial Planner and Resolution Accredited Divorce Finance Specialist (one of only 35 in the country). She hosts the Smart Divorce podcast, has cowritten a book Your Divorce Handbook It’s What You Do Next That Counts and has appeared in the national press commenting on financial issues in divorce. She is a single mum to Charlie and Zoe and is a huge rugby fan, currently managing the men’s team Sale FC Vikings.
Follow Tamsin on Instagram | Facebook and check out her podcast
00:48 Navigating Finances Solo: Insights from a Divorce Expert
02:10 The Emotional and Practical Challenges of Managing Money Alone
07:17 Gaining Confidence and Knowledge in Financial Independence
10:47 The Divorce Process: A Path to Financial Literacy
23:18 Financial Resilience and Protection for Single Women
26:06 The Value of Income Protection
28:21 Building Financial Resilience: Emergency Funds
36:00 The Importance of a Financial Support System
38:18 Navigating Financial Planning as a Single Parent
95 - Income Protection
28 - Emergency Funds
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Support the show
✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
After the success of episode 70 (Atomic Habits for Money) we thought we should revisit actionable strategies for managing and reducing spending, highlighting the power of small changes in achieving big financial goals. Here are some key takeaways from the episode:
- Reviewing Amazon orders and subscriptions to cut unnecessary expenses
- Cancelling unused subscriptions and keeping track of family shared expenses
- Celebrating financial wins by allocating a small amount for treats or charitable donations
- Breaking big financial goals into small, achievable habits
- Creating a money calendar to keep track of financial commitments and important dates
- Using cashback sites and comparison websites like QuickCo to save costs
- Monitoring automated saving pots and using apps for various saving purposes
- Using Credit Karma to check credit score and receive notifications for any changes
- Changing environment to prevent impulsive spending
- Incorporating color and creativity into daily routine for better financial management
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook
Support the show
✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
We have a super cool episode for you in this one with hypnotherapist Katie Crooks. She brings a wealth of insights on overcoming self-sabotage and imposter syndrome, empowering listeners to tap into their true potential.
Stay tuned to the end when Katie blows our mind with the significance of the word "try" and why Julie is determined to eliminate it from her vocabulary.
What Katie is reading: A New Earth - Eskhart Tolle and Secrets of a Millionaire Mindset - T Harv Eker
SPECIAL GUEST: KATIE CROOKS is a multi-talented singer, performer, and voice coach with over 20 years of experience. She has transitioned into hypnotherapy to help artists overcome the limitations and blockages in their vocal performances. Follow Katie on Instagram
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook
Support the show
✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
JOSIE COX asks why money is still so gendered! Why progress towards closing the gender pay gap has been so elusive over the past few decades. Why we’re still failing to have good, inclusive conversations about gender inequality. Josie is a journalist who has worked on staff for Reuters, the Wall Street journal, and The Independent and as a freelancer for the Guardian, The Washington Post, Fortune, Forbes, the BBC and a host of other outlets. She was a 2020/2021 Knight-Bagehot Fellow at Columbia Journalism School. She has an MBA from Columbia Business School and is also an associate instructor within the Strategic Communications program at Columbia’s School of Professional Studies. She lives in New York City.
Follow Josie: Instagram | LinkedIn | Substack | Twitter
00:44 Josie Cox's Background and Career Journey
02:53 The Gendered Nature of Money
05:34 The Impact of Motherhood on Career
06:48 The Inequality Problem in America
08:35 The Gender Pay Gap and Its Implications
11:48 The Importance of Communication and Empathy
19:45 The Role of Women in the Unpaid Labor Market
40:30 The Struggle for Female Economic Empowerment
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Support the show
✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
In this episode Julie, Michelle, and Emily engage in a spirited debate on the age-old question: Should you overpay your mortgage or put money into a pension? This showdown delves into the financial implications and personal preferences that go into making this crucial decision, leaving listeners with insightful perspectives to shape their own financial strategies.
- Decision-making considerations: Interest rates, investment returns, tax effects, and age
- Benefits of pension contributions: Tax relief, compounding growth, and access to funds
- Drawbacks of mortgage overpayment: Interest rates, lack of liquidity, and tax implications
- Split investment strategy: Allocating funds to both mortgage and pension for a balanced approach
- Lump sum decision: Factors influencing whether to invest in the mortgage or a pension
Resources:Will overpaying my mortgage or pension make me richer? (ii.co.uk)
MSE overpayment calculator
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook
Support the show
✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
We discuss the age-old dilemma of whether to overpay your mortgage or not.
- Debt management: Understanding the importance of addressing other debts before focusing on your mortgage.
- Establishing an emergency fund: The significance of having a financial cushion for unexpected expenses.
- Mortgage provider policies: Exploring the limitations and potential penalties for overpaying your mortgage.
- Calculating the interest rate differentials: Michelle walks through the math behind comparing mortgage interest rates and savings rates to determine the most effective use of your money.
- Setting up overpayments: Practical tips on setting up regular overpayments and the benefits of automation.
- Offset mortgages: Michelle explains the nuances of offset mortgages and the considerations when deciding on overpayments.
Resources:
- Debt Payoff Calculator
- Sprive app
- MSE website
YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook
Support the show
✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
In this episode we discuss the 5 most common financial mistakes women tend to make. They indicate that often, women are not involved in long-term financial decisions or they fail to invest money in their own names. They also mention pitfalls like investing in high-risk schemes without a proper understanding of the risks involved, striving for financial perfectionism leading to inaction, and losing sight of the long-term financial goals.
42 - DIY a Financial Plan
45 - Start your first Stocks & Shares ISA
79 - How to start a pension
81 - How much risk should you take
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook
Support the show
✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
The episode discusses the changes in money habits as people age. They discuss how attitudes towards money can remain constant through life but can become more extreme or display in different ways with age. They also notice a sort of cycle where people in their 50s are highly focused on planning for retirement. Upon reaching the 60s, the strict and mindful planning often takes a backseat as they start indulging more but this changes again as they reach the 70s and the realities of aging set in. By 80s, people tend to focus more on sharing and giving away their wealth. They emphasise the importance of understanding the context of aging loved ones when discussing money and the need for patience and intentionality when making financial decisions.
01:18 Observations on Money Habits in Later Life
03:37 The Impact of Age on Decision Making
05:56 The Influence of Affluence on Money Habits
06:39 Challenging the Notion of Changing Money Habits
09:04 The Cycle of Money Habits Through Different Life Stages
20:28 The Role of Money in Facilitating Life
Regrets of the Dying
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Fac
Support the show
✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
In this episode of the Women in Money Cafe, the hosts discuss their old beliefs about money and reveal how they've evolved their views. From thinking they were useless with money or that they didn't deserve it, to believing that wealth equates happiness, each shares their journey to understanding their relationship with money. They touch on the impact of upbringing, work pressures, societal influences such as social media on perceptions about money and address money-related guilt. They also reflect on how financial coaching has illuminated their misconceptions and helped them reshape their thoughts around money, emphasising that everyone's belief about money is unique to their personal experiences and circumstances.
00:00 Introduction and Welcome
00:11 Exploring Old Beliefs About Money
00:52 Introducing the Co-Hosts
01:33 Sara's Money Beliefs Transformation
09:31 Emily's Perception of Money and Happiness
16:48 Michelle's Journey to Self-Worth and Money
28:04 Julie's Realization About Money and Importance
33:26 Final Thoughts and Wrap Up
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook
Support the show
✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
In this episode Julie, Sara, Michelle, and Emily discuss their best financial decisions and how they've positively shaped their personal finance management. Michelle shares her successful strategy of organizing money into separate 'pots' for different purposes - from taxes to holidays, allowing her to have a clearer picture of her finances. Sarah discusses the importance of active communication and shared financial understanding in a relationship. Emily reflects on smartly splitting an inheritance into short-term, medium-term, and long-term investments. Lastly, Julie chats about her '10 percent rule' for incrementally boosting her pension fund, thus securing her retirement. The episode encourages listeners to reflect on their own financial habits and think about how best to plan for the future.
01:21 Michelle's Money Management Strategy
12:36 Sara's Best Money Move: Communication
24:41 Understanding the Bigger Picture in Financial Planning
28:14 The Art of Financial Planning: A Personal Experience
39:30 The Power of Incremental Increases in Pension Contributions
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook
Support the show
✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
We know from chatting to you that many of you have started investing since listening to the podcast. And we love that! But we also know that it will have been hard watching your investments this year and that you may be tempted to quit investing and move money to cash because of interest rates. This episode is for you if you are feeling disillusioned with investing. The whole team is here for this episode to share with you what we are saying to our clients to help them right now.
At the risk of sounding like an Instagram reel, follow the process 😉 Remember why you invested in the first place.
Episode 81 - a refresher on risk
Episode 49 - what to do in scary markets
Blog - 4 ways to f##k up your investments, and what to do instead
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook
Support the show
✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
Nitika and Lis from Aila Money discuss the gender wealth gap and ways to address it. They discuss Aila Money's innovative approach to equipping women with financial tools and knowledge. This includes a beta version of their not-yet-an-app, which focuses on life goal planning, not just finance, and understanding individuals' needs and wants for their life. Also discussed are the shifting patterns of wealth management in relation to women, the importance of investing, and the influence of language in financial advice and understanding.
01:58 The Importance of Financial Education for Women
02:47 Interview with Liz and Nikita from Aila Money
03:03 The Story Behind Aila Money
07:16 The Role of Language in Financial Advice
11:46 The Target Audience for Aila Money
27:16 The Importance of Investing
GUEST EXPERTS: LIZ PRAGER & NITIKA VYAS met at university. Over their careers they've come to see how much financial advice people with money have access to and the fact that the money advice gap is increasing! They have joined forces to co-found Aila Money, a digital financial coaching solution that helps people get more comfortable and confident managing their money. Aila combines technology, psychology, human coaching and financial advice to help people achieve their money goals.
Follow Aila Money:
Instagram | LinkedIn | Facebook | Web
YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making. Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Support the show
✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
On this episode of the Women in Money Cafe, guests Sara and Michelle talk about money M.O.T, a financial health check concept. They discuss tools such as HSBC's financial fitness test and Money to the Masses' money MOT tool. These tools can help listeners assess their financial health and provide insights on areas in need of improvement. They also discuss their personal strategies for saving money and encourage listeners not to feel overwhelmed when checking their finances, but instead take small steps to improve their financial situation.
00:00 Introduction and Welcoming Guests
00:21 Discussing the Concept of a Money M.O.T
02:00 Exploring the HSBC Financial Fitness Test
02:51 Discussing the Importance of Knowing Your Financial Numbers
03:17 Sharing Personal Experiences with the HSBC Test
10:00 Introducing the Money to the Masses Tool
10:20 Sharing Personal Experiences with the Money to the Masses Tool
15:40 Discussing the Importance of Emergency Funds
21:15 Sharing Personal Money Management Strategies
27:19 Final Thoughts and Closing Remarks
Money to the Masses MOT https://mot.moneytothemasses.com/
HSBC Fitness Score https://financialfitness.hsbc.co.uk/
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Support the show
✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
The team at Women in Money Cafe discuss their favourite films that involve money and the lessons that can be gleaned from them. Some films highlighted include 'The Big Short', which helps demystify the 2008 financial crisis; 'Rogue Trader', a true story that illustrates the importance of proper financial compliance; and 'Confessions of a Shopaholic', a lighter-heartened film portraying the drawbacks of overspending. They also analyse general themes like rags-to-riches narratives, use of money in films to induce certain emotions and the potential educational value of these films for children or those unfamiliar with complex financial constructs.
00:00 Introduction
00:38 Introducing the Team and Their Favorite Money Movies
01:34 Discussion on 'The Big Short'
06:50 Insights on 'Rogue Trader'
12:20 Exploring 'Confessions of a Shopaholic'
16:55 Reflecting on Money Themes in Movies
25:37 Recommendation of 'Margin Call' and Closing Thoughts
The Films:
Big Short - Netflix
Margin Call - Amazon
Rogue Trader - YouTube
Confessions of a Shopaholic - Disney
Up - Disney
Trading Places - Amazon
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Support the show
✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
🎙️ The Christmas Money Challenge Revisited!
Back at the start of the WMC podcast journey, Julie and Catherine ran a challenge to make some extra cash for Christmas. Back then finances were stretched as we dealt with a pandemic. Two years on and the cost of living has hit hard. So we thought we'd revisit some quick wins to make extra cash.
Areas Covered:
- Easy tips to quickly make extra money
- Maximizing bank account benefits and cashback offers
- Decluttering and reselling items for a profit
- Uncovering government allowances for extra earnings
- The power of creativity in making and selling products
Websites Mentioned:
- Money Saving Expert
- Vinted (an app for reselling clothes)
- eBay and Facebook Marketplace (platforms for selling various items)
- Government Gateway (for claiming work from home allowance)
YOUR HOSTS:
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching|Bree Wealth & Tax|Instagram
Catherine Thomas-Humphreys is an Award Wining Financial Coach, Qualified Financial Adviser and Family Will Writer. Catherine believes money is a force for good and when in the hands of good people can be used to do great things. She loves working with purpose-led parents who are ready to change their money habits & beliefs to achieve financial success for themselves and their family.
The Finfluencer|Finfluence|Instagram
Support the show
✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
In this episode we're joined by Susan, the Biking Building Barrister. We're cutting through the jargon and sharing loads of tips to protect your money and your home.
Areas Covered:
- Difference between a quote Vs estimate
- How much if any deposit should you pay
- Handling paying for materials
- Finding reliable builders and tradespeople through trusted trader lists
- Setting ground rules with builders and effective communication
Guest Expert: Susan Francombe, also known as the Biking Building Barrister, is an experienced professional in the construction industry for over 30 years. With a background as both an engineer and a lawyer, she has developed a deep understanding of the intricacies of the field. With her vast expertise, Susan strives to provide valuable insights and guidance to clients in these area
5 Top legal tips for property renovation | Trades without Trauma
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook
Support the show
✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
We've got such a cool episode for you this time! Listener Rachael joins us for this one to put her question to the panel: if you haven't got a business and your not sitting on hundreds of thousands of pounds, who do you go to for help understanding your pension, your Individual Savings Account, and for a general money MOT?
Our answers covered a lot of ground on helping you find someone who will help you. From how to approach financial advisers, things to ask us, interpreting our websites (yeah, we know we're rubbish at this bit), to asking about fees.
Websites mentioned:
Money Helper
Retirement Living Standards
And check out episode 92 - Mapping your journey to retirement, where Julie & Michelle walk you through the maths of retirement planning
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook
Support the show
✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
In this episode we are joined by guest Naomi Smith from Saltire Financial. With years of expertise in business protection, Naomi sheds light on the crucial steps women in business need to take to ensure their financial well-being. Here's what you can expect from this informative and empowering episode:
- Importance of business protection in safeguarding family members and employees during challenging times
- Understanding private medical insurance and executive income protection for limited companies
- Exploring group private medical insurance options for directors and employees
- Overview of relevant life insurance and executive income protection
- Sole traders vs. limited companies
- Exploring shareholder and loan protection for seamless business continuity in case of illness or death
- Key person cover and its role in mitigating financial impact caused by the absence of a key person in the business
- Understanding director's loans and their implications in case of a deceased director
GUEST EXPERT: NAOMI SMITH has always felt a strong passion for business protection. Understanding the significance and potential benefits it provides, she became determined to spread awareness about its importance. Naomi observed that many people lacked knowledge about the meaning, purpose, and offerings of business protection.
Instagram | LinkedIn | Facebook
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making. Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Support the show
✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
In this episode of the Women & Money Cafe podcast, hosts Julie and Emily challenge conventional wisdom when it comes to spending money. They dive into the idea that you should only buy something when you have saved up for it, and explore the continuum of spending and saving.
Here are some key points covered in the episode:
- Julie and Emily share their personal experiences with spending money they don't have yet
- Emily discusses her recent home office renovations and the dilemma she faced when deciding to make additional purchases for her business
- They explore the concept of aligning spending with personal values and finding joy in certain purchases, like Julie's love for books
- We also explore the idea of making conscious buying decisions and setting guidelines to avoid impulsive purchases
Diary of a CEO
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook
Support the show
✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
We've got Tanya joining us today to share a fab money mindset exercise. What to expect:
🔸 The role of trauma in shaping our relationship with money
🔸 Unpacking the unique impact of childhood experiences on our money mindset
🔸 Challenging negative beliefs and rewriting our money stories
🔸 Tanya's eye-opening exercise for identifying and reframing money beliefs
🔸 The power of awareness and questioning our financial narratives
🔸 The freeze, fight, and flight trauma responses and their relevance to money mindset
GUEST EXPERT: TANYA IBBERSON
Known as the Financial Wingwoman, Tanya has 26 years’ experience of working in accounting and business mentoring. More recently she qualified as a trauma-informed financial coach and is on a mission to empower individuals and business owners to design the life they want using their finances.
Website | Instagram | Facebook
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook
Support the show
✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
In this episode of the Women & Money Cafe podcast, hosts Michelle and Julie dive into the complex world of care home fees. Join them as they discuss key facts and strategies for managing the cost of care, including options for funding, negotiation techniques, and the potential benefits of annuities. Get expert advice on navigating the care system, as well as tips on working with financial professionals and understanding the thresholds for paying for care.
Areas covered in this episode include:
- Funding options for care, including self-funding and state benefits
- The benefits and considerations of purchasing annuities for care funding
- Negotiating care home fees and strategies for reducing costs
- The importance of long-term financial planning and working with professionals
- Understanding the thresholds for paying for care and fee increases
- Exploring available state benefits, such as attendance allowance
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook
Support the show
✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
We've got a feel good episode for you today. Inspired by Emily's story of helping a man having problems with his van.
Want to learn more about the power of paying it forward? Check out these websites:
-
Random Acts of Kindness Foundation - www.randomactsofkindness.org
-
Kindness UK - https://kindnessuk.com thanks to Louise Talmage for this one
-
Volunteer Match - www.volunteermatch.org
-
Good news - thehappynewspaper.com shout out to Sarah Stephens for this bit of cheer
-
Nominate someone who needs help - 52-lives.org thanks to Mel Abplanalp for this suggestion
-
The king of random acts of kindness courtesy of Mike Rothwell - Troy Hawke
We want to make kindness contagious. Have a listen and if you feel inspired to do something extra kind, we want to hear from you. Drop us an email at womenandmoneycafe@gmail.com
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Support the show
✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
In this episode of Women & Money Cafe, Michelle and Julie dive into the topic of the state pension. You might have written the state pension off. Don't! It's a lot more valuable than you realise. We'll be breaking it down to help you understand its importance and how it fits into your retirement plan. No more confusion or uncertainty, just clear and valuable information.
Topics Covered:
- Overview of the state pension system before and after the April 2016 reforms
- Accumulating National Insurance credits and qualifying years for a full state pension
- Converting previous pension entitlements to the new state pension
- The current state pension age and potential changes depending on your age
- The significance of the state pension as a foundational element in retirement planning
- Understanding the impact of inflation and the triple lock on state pension increases
- How knowing your state pension entitlement helps in determining your retirement income
- The value of National Insurance contributions in building future income
Resources:
-
Julie's guide to the state pension (if the link doesn't work drop me an email julie@breewealthandtax.co.uk)
-
State Pension Forecast: Log in screen for forecast
-
BR19: PDF to request state pension forecast by post
-
Government Gateway ID: Obtain your state pension details by logging into the Government Gateway portal.
-
National Insurance Contributions: Learn how your contributions play a vital role in securing your state pension.
-
Triple Lock Mechanism: Understand the benefits of the triple lock and its influence on state pension growth.
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSMichelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Support the show
✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
To mark hitting the first 100 episodes of the podcast, we're pulling out the learning points from our favourite episodes. And a run down on what the most downloaded episodes have been.
Emily was first up with how inheriting money can be a complex emotional challenge. Episode 50 was "I've inherited some money and I feel _____"
Michelle loved episode 36 - Pension Jargon. In the form of a badly scored quiz, we gave you a run down on all the bizarre words you'll find in pension land.
My favourite? Episode 31 - Career & Money with Giselle Galper. I loved the wisdom Giselle shared, especially her final tip on how to respond to that question "how are you".
A huge thank you from me and the WMC team for listening and we'd love to know what your favourites have been.
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making. Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook
Support the show
✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
🎙️ We're with Laura Weston this week, tackling teenagers and money. 💰💁♀️
Here's what you can expect:
💡 Unpredictable World: Discover how the post-COVID era has taught us the importance of being financially prepared and having a backup plan for any uncertainties.
💸 Parental Influence: Learn how open conversations about money with your children can create a healthy understanding of finances and independence.
💪 Teach Them to Earn: Explore creative ways to encourage teenagers to earn money, such as doing tasks that would typically be outsourced and paying them for their hard work.
🎓 Interactive Workshops: Hear about Laura's workshops she delvers in schools, and the amusing questions she gets asked.
🌟 Pursue Your Dreams: Hear inspiring stories about career transitions and fostering a belief in our children that they can achieve anything they set their minds to.
GUEST EXPERT: LAURA WESTONis a former banker who recognized the lack of financial education among individuals, especially teenagers. Despite her banking background, Laura's true passion lies in helping others, particularly those in need. She started her own business with the goal of filling the gap in financial education by empowering and making a significant impact on teenagers. Laura believes that the teenage years are crucial for developing a healthy relationship with money, as it is during this time that youngsters begin to consider spending money on non-essential items and may even start working. While her program is specifically designed for teenagers, Laura believes that anyone can benefit from learning about finances, including younger children and adults.
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Support the show
✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
We've got a takeover this week! One of our listeners had questions about passing on wealth to her children. So she's joined us for this episode which is expertly hosted by Emily!
If you've got questions you would like us to answer, or fancy joining us for an episode, drop Julie an email (julie@breewealthandtax.co.uk) or message her on Instagram.
Key areas covered:
- Salary, dividends, and pensions in a limited company
- Self-invested personal pensions (SIPPs) and commercial property
- Nominating beneficiaries and tax implications of pension assets
- Junior ISAs: benefits, limits, and investment options
- Strategies for giving gifts to children and managing surplus income
- Holding shares in public limited companies (PLCs) and potential structures
Can a company pay school fees?
GUEST EXPERT: LINDSAY MCINNES is a high energy, international primary health care provider who has a passion for helping people to thrive in life. She decided she wanted to become a chiropractor when she was just 7 years old, after her health and her life drastically changed when she started getting adjusted.
Instagram | Facebook
YOUR HOST
Emily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Support the show
✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
We're diving into the world of marketing with guest expert Karen Webber. In this episode, we challenge commonly held beliefs about marketing and explore the power of ethical practices, and how Karen loves breaking the rules and getting others to do it to. Here's what you can expect:
- What is ethical marketing
- Shady practices that go on
- Why some big businesses get it SOO wrong
- How to show up as yourself - flash a bit of metaphorical ankle
Check out The Ethical Move and Lucy Werner's Hype Yourself
Episode 90: F$$k Perfectionism
GUEST EXPERT: KAREN WEBBERis a marketing coach and strategist. As the owner of Goodness Marketing, Karen helps small businesses with big hearts do marketing that feels good, does good and gets good results. Before starting Goodness Marketing in 2017, Karen worked as a marketing director for a marketing agency. Previously she worked in various editorial and comms roles in London, Manchester and her native South Africa.
Fab Newsletter | Instagram | LinkedIn | Awesome Retreat | Do-Crew
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSSara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Support the show
✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
In this episode Sara grills Julie on how she went from budgeting disaster to master of spending plans.
They have a really frank discussion about what went wrong for Julie when she's tried budgeting in the past. Why as much as she loves apps, they just didn't work for her. She'd get disheartened and give up. Plus, like some of you, she thought what's the point? There's enough coming in to pay for everything. Do you really need a budget?
Find out what changed and how she's now found a way to create a spending plan she can stick to.
One to watch out for is the struggle of categorising Amazon expenses and navigating the ever-changing landscape of digital purchasing.
Ultimately, nailing monthly spending has left Julie spending her money on what truly matters to her and improving her overall well-being.
💰 Since recording, Julie went and checked her takeaway/coffee spend from 2022 - £230 per month.
RESOURCES:Pete Matthew's Spreadsheet
Money Dashboard
Lumio
Emma
RELATED EPISODES
26. Budgeting, lets stop pretending there is a holy grail
28. Everything you've been told about emergency funds is wrong
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSSara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
We have the protection legend and guru, Kathryn Knowles, with us for this episode talking income protection. In under an hour Kathryn is going to share everything you need to know about this really vital (but not talked about) part of the protection puzzle.
Our favourite part? Kathryn's image of a cash machine in your front garden - which she is prepared to go to any lengths to protect - retinal image scans and baseball bats!
Areas Covered:
- Exclusions and changes in insurance policies
- Maternity leave and insurance coverage
- Impact of reduced hours on income protection eligibility
- Mental health and musculoskeletal conditions in income protection insurance
- Different premium options and their long-term costs
- Occupation-related factors affecting insurance rates
- Understanding income protection vs. unemployment cover
- Tailoring income protection policies to individual needs
- Difficulties in obtaining insurance and knowing the right questions to ask
- Occupational risk ratings and their implications for coverage
- Varying lengths and time limits for income protection coverage
- Assessing the impact of mental health on insurance decisions
Liked this? Check out Kathryn's first appearance on the podcast in episode 74 - Everything you need to know about life insurance.
Check out Kathryn's podcast (link below) where you'll find an answer to every question you might have about insurance. Really good resources if you have a specific health issue and you are wondering how insurers treat it.
GUEST EXPERT: Kathryn Knowles is a specialist adviser for personal, business and group life insurance, critical illness cover and income protection, within the UK and internationally. Kathryn produces videos and a podcast that are used within the insurance sector, by charities and the general public, as a way to educate about ways to access insurance.Podcast | Twitter | Instagram | LinkedIn
YOUR HOSTSJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
In this episode of Women & Money Cafe, join our hosts, Julie Flynn & Emily Pool, as they sit down with the energetic and inspiring Nicky Marshall to discover the secrets of finding your bounce in life. From skydiving to tackling wellness goals, Nicky shares her journey of self-discovery and wellbeing. Expect top tips on managing relationships, making healthy choices, and loads of small steps you can take today. This episode is a fun-filled, that will leave you feeling motivated and empowered.
GUEST EXPERT - NICKY MARSHALL is an award winning, international speaker, best-selling author and entrepreneur. In life and business, we can experience set backs that can turn our world upside down. After recovering from a disabling stroke, Nicky knows what this feels like and the steps needed to rebuild and bounce back from any challenge.
Discover your Bounce | Facebook Group | Instagram
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
In this episode where we're going big, into the world of networking without the small talk. We've done our research, and forget Google - Instagram is where it's at for reliable and entertaining insights! We heard from numerous individuals who shared their challenges with networking - feeling awkward, not knowing what to say, and encountering pushy salespeople. But fear not, we've got you covered with tips on how to start conversations.
There's one story about feeling excluded in networking events due to cultural differences, which got us thinking about the importance of inclusivity. We relate to the struggle of engaging in small talk and share our own experiences of feeling like a fish out of water in the wrong networking event.
But don't worry, we've got some great advice for you on finding the right networking events that match your style and goals. We'll show you how asking powerful questions and discussing real challenges in business can lead to meaningful conversations. Forget about superficial small talk!
Nicola's first episode 47 - Why networking sucks
Guest Expert - Nicola Peake in 2020 during lockdown, she decided launched a national delivery business. Home alone, bored of doing the same things every day and she was missing seeing people in real life! She knew she had to build a community, Peakes Private Members Club. She runs the Business Growth Studio, which is for those working towards building their business to 50k.
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
Join us as we tackle the burning question on everyone's mind: How much do you need to retire? From dissecting pension plans to outlining alternative income sources, they dive deep into the world of retirement planning. Get ready to have your mind blown as they reveal surprising insights and strategies for ensuring a comfortable and fulfilling retirement. So grab your favorite beverage, kick back, and tune in to the Women & Money Cafe for some money-savvy wisdom with a side of humor. You don't want to miss this episode!
🎧 Episode 34 – When do you want to retire – wrong question
🔗 Retirement Living Standards
🔗 Fidelity Retirement Guidelines
🔗 PensionWorks How much do you need to retire
🔗 MoneyHelper
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
Join Sara, Michelle and Julie in this episode of Women & Money Cafe as they tackle the burning question on everyone's mind: How much do you need to retire?
From dissecting pension plans to outlining alternative income sources, they dive deep into the world of retirement planning.
Get ready to have your mind blown as they reveal surprising insights and strategies for ensuring a comfortable and fulfilling retirement. So grab your favorite beverage, kick back, and tune in to the Women & Money Cafe for some money-savvy wisdom with a side of humor. You don't want to miss this episode!
Resources:
Retirement Living Standards
Fidelity How Much Do I need to Retire
Pension Work
Money Helper
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
WARNING: this episode contains strong language.
Our guest, Laura delves deep into the topic of perfectionism and its surprising connection to keeping people poor.
We look at how generational shifts and beliefs feed into perfectionism. And how it can consume us, especially when it came to balancing being a professional and a mother.
Laura and the rest of us at Women & Money Cafe agree: it's time to embrace our imperfections. Being human is enough, and striving for perfection only holds us back from achieving our financial goals.
Welcome back to another episode of Women & Money Cafe! In today's episode titled "F##k Perfectionism," we have the amazing and insightful Laura joining us. We stumbled upon Laura through a networking group and a Reddit post that caught our attention.
GUEST EXPERT:LAURA PERKES is a PR Strategist and Mentor to service-based business owners who are here to make an impact on the world, by sticking their middle finger up at the patriarchy and re-writing the rule book. Laura is also the author of the Amazon bestselling book, How To Get PR
Follow Laura on Facebook and Instagram
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
Get ready to dive into a topic that's rarely talked about but is oh so important: the cost of dying. Join Michelle, Emily, Sara, and Julie in the Women & Money Cafe as they spill the beans on the financial side of laying loved ones to rest. From direct cremation to personalized funerals, they uncover the trends, the surprises, and the alternatives. They'll even dish on the daunting task of being an executor and ensuring your last wishes are carried out smoothly. Buckle up for a frank and informative episode that will leave you with a newfound understanding of the cost of saying goodbye.
Cost of Dying Report
My Perfect Send Off
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
This one might be uncomfortable! Julie’s be on an adventure this year exploring her own bias and bringing these uncomfortable conversations into the light. Along the way she met Bhavisha Soni, our guest today, and that prompted this podcast episode.
We all have bias, fact! Whether we like it or not. But if we can be brave about it, and start reflecting and opening up discussion, we open ourselves up to a richer world. And, no, I don’t mean money richer. The other kind.
On this episode, we discuss the challenge of networking events and the struggle to find common ground with people who have different experiences. Discover how one conversation changed Bhavisha’s perspective, showing her that sharing her unique journey from India to the UK could be an impactful conversation topic.
We also examine biases within the Asian community, acknowledging the diversity of views and the frustration of being judged by others. Join us as we explore the personal effects of intrusive questions on our desire to engage and form connections.
Through personal anecdotes, we shed light on the barriers women face in the financial services industry. From gender biases to assumptions about our qualifications, we strive for inclusivity and advocate for change.
Lastly, we share practical tips for women navigating biased situations in financial services and discuss the importance of starting conversations about inclusivity. Together, we can challenge societal norms and create a more inclusive and respectful industry.
Julie gets a bit militant towards the end, and is calling on you join her in not ticking unnecessary boxes – don’t get her started on the titles such as Miss, Mrs and Ms.
GUEST: Bhavisha Soni is a Chartered Wealth Planner working in London. She is passionate about helping people to start, build and meet their financial objectives by creating a flexible path which they can follow to achieve their goals.
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSMichelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
In this episode, we explore the powerful impact of values in our personal and professional lives. We start off by sharing a real-life coaching experience where a client was grappling with some tough business decisions.
We touch upon the different ways in which our values can be influenced by our surroundings and share a fantastic resource personalvalu.es which gamifies finding your values. It identifies your top 5 values, and you can even display them as a wallpaper on your phone!
We explore the concept of authenticity and the importance of ensuring that our values truly reflect who we are, without any pretense or societal influences.
In the spirit of transparency, we open up about personal challenges that have shaped and solidified our understanding of our values. From traveling alone and feeling truly in tune with ourselves to witnessing social injustices, these experiences have left an indelible mark on our core values.
We also explore helpful strategies to discover and clarify our values, including questions to help use your values, and identifying non-negotiables. We also discuss the shadow side of values and how to ensure that our perceived values are truly our own, free from societal expectations.
Join us for this thought-provoking episode as we dive deep into the world of values and how they shape our lives.
Brené Brown list of values also check out her book Daring Greatly and Mark Manson's The Subtle Art of Not Giving a F*ck
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
In this episode of Women & Money Cafe, our hosts Emily and Julie are joined by the fabulous Abby Birch from Claro Wellbeing to talk about the innovative concept of "financial first aid." They dive into the importance of understanding our finances to impact our overall health and well-being, and Abby shares her insights on creating a safe space to talk about money matters. The trio also discusses how employers can support their employees through the cost of living crisis and provide helpful resources. Get ready to feel financially empowered and learn how to be a financial "first aider" for yourself and those around you!
GUEST EXPERT: Abby Birchis Claro Wellbeing’s Coaching Excellence & Training Lead. As well as ensuring all Claro’s financial coaches meet its industry-leading standards, Abby empowers employees to become Financial First Aiders. With over 18 years of experience in the financial services industry, including 13 years as an adviser, she is passionate about helping people understand money and giving them the skills and confidence to achieve their financial goals.
Resources:Money HelperStep Change
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
Welcome to Women & Money Cafe, where we explore all things finance through the lens of women. In today's solo episode, we'll be diving into the topic of multi-asset funds.
First, let's talk about what a multi-asset fund actually is. As the name suggests, it's a fund that includes multiple assets, such as stocks and shares, bonds, property and commodities, blended together to create different levels of portfolio risk. By investing in multiple assets, we can help to reduce risk and achieve more predictable returns.
So why would you invest in multi-asset funds? Well, for starters, they're designed to help manage risk and provide broad diversification. A multi-asset fund contains a variety of assets that are managed by a fund manager, who is responsible for keeping the risk level appropriate by buying and selling different assets as needed. This means that investors only need to determine their desired risk level and buy the appropriate fund while the fund manager takes care of the rest.
When investing in a multi-asset fund, there are two types to consider. The first is active, where a fund manager chooses investments daily and aims to outperform the market index. Alternatively, there are passive multi-asset funds, which have lower management fees and buy tracking funds to follow the index.
When choosing a multi-asset fund there are different factors to consider such as an existing pension or starting with an ISA. It's important to look out for keywords such as managed, portfolio, active, passive, cautious, moderate, balanced, or adventurous.
And while stocks and shares typically make the most money over time, other assets such as bonds, guilts, and property, are included in the fund to help balance risk and volatility. Asset allocation refers to deciding how much of the fund is allocated to each asset, with stocks and shares being the asset class with the greatest impact on the level of risk and volatility.
Ultimately, multi-asset funds are a great option for anyone looking to manage risk and achieve diversified returns while investing. By letting a fund manager handle the assets and making allocations based on your desired risk levels, it's a low-maintenance option that can save you time and stress in the long run.
That's it for this solo episode of Women & Money Cafe. Be sure to tune in next week as we'll be discussing a brand new topic with a special guest. As always, thanks for listening and see you next time!
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
In this episode, we're diving into the controversial topic of what to do with a final salary pension. Many personal finance forum posts claim that providers require a letter from a financial advisor in order to transfer a pension, yet advisors seem unhelpful or charge a lot for the required letter. To help us understand this process, I'm joined by Michelle, a pension expert who will provide insights on the topic.
Michelle talks us through exactly what's going on with these pensions. And we touch on the cash equivalent transfer value (CETV) and how it's calculated. While the CETV can be appealing, Michelle cautions that transferring the pension to another scheme can involve investment risk, charges, and the possibility that the pension could run out. In contrast, staying with a final salary scheme offers cast-iron guarantees.
We also discuss scenarios where transferring a pension may be appropriate, such as when you have other guaranteed sources of income or in ill health. However, advisors need to do a lot of background and data gathering before signing the letter required by providers, as it holds a lot of responsibility for saying that the transfer is the right thing to do. Most generally advise against moving transfer values for those under 50 years old, as too much can happen between then and retirement.
Throughout the episode, Michelle offers valuable insights into the pension transfer process, and we cover a range of situations that might influence someone's decision when it comes to a final salary pension.
As always, we're here to educate and inform - it's important to remember that the podcast does not constitute personal financial advice. If you have any questions or want to learn more, we recommend reaching out to Michelle on Instagram at Michelle Lambel Money or your financial advisor. Thanks for tuning in, and don't forget to take care of yourselves!
02:29 "Pension Transfer Advice: Qualifications and Regulations Explained"
05:26 "Understanding Final Salary Pensions: A Gold-Plated Guarantee"
12:28 "The 12-week window for pension transfer values"
14:58 "Empower Women Financially: Share This Episode Now"
21:46 "Scenarios for Transferring Pensions: When to Consider"
26:27 "Customizing Your Retirement: Options and Considerations"
29:09 "Contact Michelle for Final Salary Pension Questions"
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSMichelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
The idea behind today's episode is to help our listeners who have multiple pensions and don't know what to do with them. We're going to discuss an approach that you can take, and share stories to illustrate it.
We'll be explaining the term "consolidation," and discussing when it's appropriate to use it and when it's not. We'll also talk about the technical reasons why pensions should be kept separate in some cases.
We'll also be sharing stories from people who have multiple pensions and were able to consolidate them successfully. One whose pension was difficult to sort out due to numerous employments, but with our tips, she was able to consolidate and organize her pensions more efficiently.
Another came to us with ten different pensions and had no idea about their value and nature. They initially thought they had only tens of thousands saved, but actually had a few hundred thousand in a pension pot. By bringing all the pensions together, they was able to plan for their retirement, providing them with well-being and reducing the need for full-time work.
By the end of the episode, you can declare "paperwork bankruptcy" on some of your pension paperwork. We hope that this episode helps you understand your finances better and gives you some strategies for managing multiple pensions. So grab a cup of coffee, and let's dive into the world of pensions.
🔗 Government Pension Tracing Service
GUEST EXPERT: Hannah Wynick, an ex-dancer turned Paraplanner & Business Owner, I place great importance on increasing the roles of women within Financial Services and educating girls and women about all areas of the industry! Outside of work, I love walking with my other-half and our dog, visiting the theatre and cooking!
Follow Hannah: Instagram | Facebook | LinkedIn
08:05 Tips and Stories Shared
11:38 Navigating Troublesome Pension Plans
30:27 When to Consolidate
33:53 What does it cost
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSMichelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
We're joined by Beck Harrison, a post-traumatic growth coach. We dive into the impact of trauma on one's relationship with money. Beck shares personal experiences, including a humorous encounter with Noel Gallagher, and highlights the importance of being honest with oneself about bad money habits and recognizing the presence of protective mechanisms.
Beck delves into techniques like internal family systems and brain spotting that can help process trauma stored in the body. Listeners will come away with a new perspective on their own relationship with money and trauma.
01:49 Healing Hidden Childhood Trauma: A Misunderstood Perception
04:42 Deeper Trauma Work Reveals Underachieving and Overspending
05:55 Learning for Empowerment: Overcoming Debt and Perfectionism
08:16 The Body Keeps the Score: How Trauma Lingers
15:24 Recognizing and breaking your hidden money patterns
19:40 Brain spotting: The subtle practice tackling trauma
21:48 Silencing the Mind Monkeys: The Power of Physiology
26:33 Battling shame: Compassion and understanding can help
31:46 Talking to Your Inner Self: Overcoming Trauma
38:28 Noel Gallagher Falls Asleep on Music Editor
SPECIAL GUEST: BECK HARRISON is a trauma healing expert who focuses mainly on helping women to unlock and overcome hidden childhood trauma. Her mission is to change people's perception of trauma, as many believe it only stems from severe incidents such as abuse. Beck believes that everybody carries some type of trauma and aims to educate and bring awareness to the topic. In addition, she emphasizes the importance of discussing financial matters as it is a significant source of emotional distress for many individuals. Beck's work sheds light on often neglected or overlooked topics and paves the way for individuals to lead more fulfilling lives.
Instagram | Facebook | LinkedIn
YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram | LinkedIn
CO-HOST:
Jennifer O'Neilis a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
On this episode of Women & Money Cafe, host Julie Flynn dives into the world of investment risk and how to determine personal risk for investments. Julie shares insights on how higher investment risk often leads to higher returns and how investing in multi asset funds or purpose-built portfolios can help reduce the risk of losing all your money. She also reveals how financial scams and unexpected global events impact investments and offers practical advice on how to create a balanced investment portfolio based on your time horizon. Along with that, she shares a scoring system based on level of experience, competence, and time frame and emphasizes why the biggest determining factor of how much money one makes or loses in investments is their own behavior. So join Julie Flynn on Women & Money Cafe as she demystifies investment risk and offers valuable insights and advice on understanding, measuring, and dealing with risk.
[00:00:05] "Women of Money Cafe: Decoding Investment Risks"
[00:00:57] "Understanding Risk: Key Factors for Investing"
[00:02:26] "Understanding Investment Risks: Don't Fear Losses"
[00:03:48] "Your Workplace Pension: Safe from Financial Turmoil"
[00:05:23] "The Real Risk in Investment? It's You."
[00:06:52] "Scoring Your Investment Knowledge: A Simple Guide"
[00:08:00] "Scoring Your Investment Experience: 2 to 8"
[00:10:38] "Choosing Investment Labels: A Guide for Timelines"
[00:11:24] "Maximize Your Investment Returns With Portfolio Diversification"
[00:12:08] "Black Swan Events: Don't Panic, Stick With Diversification"
Find out which banks share a licence for FSCS purposes here
Learn more about the Financial Services Compensation Scheme (FSCS) here
Really serious about it, check out FinaMetrica
YOUR HOST
Julie Flynn is an experienced independent financial adviser and ICF coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
90% of people in a work place pension in the UK are in a ‘default’ fund. Which may not be the right place for you. In this episode we are going to walk you through how to be intentional with your choice of pension fund.
- We will share the 3 key pieces of information you need to start with.
- Know if your pension has “lifestyling” and why you might want to change that.
- You will then be able to narrow down what initially seems like an incomprehensible list of funds to a few choices.
This is the 2nd episode in our pension series.
The team provide valuable insights into the various types of pension funds available, such as defined benefit plans and defined contribution plans.
Julie will give you the key words and phrases you are looking for. And some top tips on how to identify which funds you should consider, and which ones to avoid.
Kat shares some tips on how to understand the charges for each fund. Because we want low charges, so you get to keep more of the investment growth!
And Emily talks about your options for sustainable and ethical funds. And shares Tumelo with us.
While Michelle explains the difference between passive and active funds.
We end with the message of how to take action and not to fear getting it “wrong”. Follow our steps and you can’t get it wrong.
GUEST: Kat Lowers We were joined in this episode by financial planner, Kat Lowers. Kat is a financial planner at Colmore Partners. I wish I could say something fun like I am part of the circus but alas, I live a relatively simple life that involves going to the gym; going out to eat and drink with friends and family; and helping clients with their financial goals - although, not necessarily in that order!
YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
Ready to take charge of your future? In this power-packed episode of the Women & Money Cafe we unveil the ultimate guide to starting a pension and securing a rock-solid retirement plan. If you've been wondering where to begin, this is the episode you can't afford to miss!
We break down the daunting task of starting a pension into simple, actionable steps. From unravelling the complex jargon to providing practical advice, this episode leaves no stone unturned. We dive deep into the different types of pension plans available, whether it's a personal pension, a self-invested personal pension (SIPP), or a robo pension. Discover the pros and cons of each option and choose the one that works for you.
But it doesn't stop there! We unveil strategies for determining the ideal contribution amounts and tips for maximizing your pension contributions, ensuring you're on track to achieve the retirement lifestyle you've always dreamed of.
We also address the burning questions you might have about pensions. Say goodbye to confusion and gain the clarity you need to make informed decisions about your pension.
The episode wraps up with a discussion on monitoring and adjusting your pension plan as life evolves. We shed light on the importance of regular reviews, ensuring your pension remains aligned with your changing circumstances and aspirations.
Compound interest calculator to see how £50 can grow!
Money Helper pension calculator
And if you want the spreadsheet, drop Julie a message.
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTS:Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
In this episode we by Zoe who shares some of her insights as a conscious leader. Listen in for her top tips on recruiting and how to truly delegate.
She also shares with us what it’s like to be in business with dyscalculia. Zoe lives with this every day, and she shares how it impacts her life, business and money. She has found some great ways to adapt and helped us money people understand how we can better communicate with people with dyscalculia.
The prevailing message Zoe left us with is how successful you can be even with the fear the anxiety that numbers could cause her. And we hope this episode helps lift any stigma people may feel around numbers.
You can learn more here http://www.dyscalculiaassociation.uk
GUEST: Zoe Brinn is a conscious leadership consultant and systems' strategist for business founders. Zoë helps leaders who are socially, economically and environmentally conscious, develop their sense of, and make sense of, the world. The results of leaders working with Zoë include, gained time, improved productivity and positive cultures within their business.
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTSEmily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
Why is money still taboo?
Following on from last weeks episode with Helen Johnson, we continue to unpick why money is still such a taboo subject.
"Is not talking about money, a privilege of those with money?"
We explore some of the times we've put our foot in it when it comes to money talk.
We take a look at how money taboo plays out in the work place, our religion, at home, and socially.
So many emotions can come up with it comes to money. Shame, fear of being judged.
But who benefits from us not talking about money? And how does it interact with power?
Emily's golden rules for talking about money: Don't be boring & don't brag.
YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CAFE EXPERTS:Emily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
A few months ago we stumbled across a blog about money that we REALLY liked!
We’ve pinched the title of the blog for the episode and tracked down the author to come and chat with us – Dr Helen Johnson.
This is a must listen episode! Why, because Helen is not a "finance" person, but we have never heard anyone talk as much sense as she does when it comes to money.
You can go and read Helen’s full blog here and we heartily recommend that you do.
Helen unpicks some of the narratives we have about money…
👉🏻 Why does it feel so exposing to talk about money?
👉🏻 The link between money & shame
👉🏻 The best money & sex metaphor ever
And our favourite: assuming you’re not an idiot, you know money has very little to do with character, talent or skill. So why the heck are we attributing soo much to it???
KEY TAKEAWAY - RESOURCE! If you remember nothing else from this episode, carry in your heart what Helen says about deserving to be well resourced.
SPECIAL GUEST: Helen Johnson is a Coach, EFT/NLP therapist, and Coach Trainer on a quest to bring people great coaching and personal development without the BS. She founded Coaching Beyond - offering ICF coach training - to help people to help themselves AND others to make the most of their strengths and find fulfilment in work and life.
Instagram | Facebook | LinkedIn
YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram | LinkedIn
CAFE EXPERTS:Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
When we keep things simple, we get stuff done. Fact!
This episode is looking at how to apply this to your money. And who better to help us with simple actionable money tips than Pete Matthew, of the Meaningful Money podcast.
Pete is the king of keeping it simple and getting stuff done so we're very excited he's joined us for this episode. Check out Pete's podcast in the link below.
We'll be answering questions on:
1. How to simplify your pensions (handy checklist below) 2. How to simplify your paperwork
3. The most common way we accidentally over-complicate money
4. Simplify your thinking
5. Simplify your spending plan (a budget that works linked below) 6. Our all time favourite quick wins clients have fallen in love with
SPECIAL GUEST: Pete Matthew is a 25-year veteran Chartered Financial Planner, CEO of Jacksons in Penzance, husband to Jo and Dad to two grown-up daughters.
In 2010 he picked up a video camera and shot the first video for what would become Meaningful Money. Since then the YouTube channel has clocked up over 4 million views and the podcast has been downloaded 6 million times.
For Pete, financial planning is a life skill that should be taught in school and the workplace, but in the absence of that, his goal is to provide as much information as he can, so that ordinary people can help themselves become financially free.
Meaningful Money Podcast
Meaningful Money YouTube
Pension checklist https://meaningfulmoney.tv/2021/03/16/uk-pensions-checklist/
Budget planner https://meaningfulmoney.tv/budget-planner/
YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CAFE EXPERTS:Emily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
It’s not cool and it’s not sexy, but insurance is something we all need to think about.
It is one of the 4 pillars of building financial resilience.
(The other 3 are: spending less than you earn, have a disaster fund, and save for your future).
I’m joined by Kathryn Knowles of Cura Insurance. We chat about what insurance you need and why. And tackling some of the common myths around insurance.
Kathryn walks us through:
👉🏻 Life insurance
👉🏻 Critical Illness
👉🏻 Income protection
Do insurance companies really pay out? Kathryn gives us the low down on the stats and explains what steps we can take to make sure we get the benefits if we have to claim.
📣 Kathryn’s top tip – always ask to see any reports your GP produces for you.
If you have been declined insurance, it may be that your records weren’t correct, or that another company may insure you. That’s why it’s best getting an expert like Kathryn to help if you’ve had any health issues in the past. A knowledgeable adviser can help get you the cover you need at the right price.
🚨 If you’ve had a test for the BRCA gene insurers are not allowed to ask you about it.
Perimenopause Women:
➡️ Life insurance and critical illness cover - they aren’t interested in your HRT, the questions specifically say don’t tell us about your HRT.
➡️ Less likely to seek advice for protection
➡️ May have some health issues though, so worth considering expert advice to help you get the cover you need
Check out Kathryn's podcast (link below) where you'll find an answer to every question you might have about insurance. Really good resources if you have a specific health issue and you are wondering how insurers treat it.
GUEST EXPERT: Kathryn Knowles is a specialist adviser for personal, business and group life insurance, critical illness cover and income protection, within the UK and internationally. Kathryn produces videos and a podcast that are used within the insurance sector, by charities and the general public, as a way to educate about ways to access insurance.Podcast | Twitter | Instagram | LinkedIn
YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
Support the show
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
We believe we’ve found the nicest accountant on the planet. Having found her, we felt it was only fair to share her with you.
Debbie Hancock joins us for this episode. She shares with us how she works with clients. And we’re hoping this inspires you to get the most out of your relationship with your accountant.
We’ll be covering:
👉🏻 Mindset and your accounts
👉🏻 How management accountancy is different
👉🏻 The questions a good accountant will ask you
👉🏻 Questions for you to put to your accountant
👉🏻 What exactly can an accountant do (apart from tell you how much you owe)
💥 Debbie’s quick tip win – all of your subscriptions, change them to annual rather than monthly. And if you’re not using them, ditch them.
📣 And her call to action check your dividends now, this second, before the end of the tax year.
Guest Expert:Debbie Hancock is a Management Accountant and Financial Coach, with 15 years of experience in helping businesses have confidence in their finances.
When she's not helping business owners, Debbie can be found in her sweaty sports gear, taking on her next challenge, cold water sea dipping, or with her family (her son even likes the cold sea too!)
Follow Debbie on Instagram | LinkedIn | Facebook
YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Michelle has a passion for providing financial advice, guidance and education to everyone, regardless of their gender, age or current circumstances.
Website | Instagram
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
This week’s episode is more of a fireside chat with Julie & Charlotte Wood.
It’s a little different as we’re not sharing any money tips.
Instead we’re taking on the big questions.
🚨 Charlotte & Julie are not short of opinions, and they can both be a tad militant. But how do they reconcile their own personal values with the fact they work in financial services?
Values is a word that’s thrown around a lot, but how do we truly begin to understand what ours are?
Top tip – here are two questions to journal around to find yours:
🎯 Think of a meaningful experience or accomplishment. What values were in play?
🎯 What frustrates you? What values were being denied?
🔗 Brene Brown’s list of values
Guest ExpertCharlotte Wood is a Chartered Financial Planner and runs Rosewood Financial Planning. Charlotte is active within the profession as a women’s advocate and an award-winning community builder, most notably the founder of the Empowered Community. As an intersectional feminist, Charlotte spends a lot of her free time reading and learning about social justice issues and how to embed these values within the way she works and her business. Charlotte also has two children under four, and speaks openly about her struggles being a mum and a businesswoman.
YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
We know, you're fed up of hearing about the cost of living.
And we wouldn't normally bother you with more inflation chat...
BUT....
We think you need to know about this STEALTH RPI!!!!
Michelle did some sums and calculated that stealth RPI will be costing her an extra £100 per month this year.
If you are in contract with a broadband provider, telephone line, mobile company... a lot of them have a clause in their contracts which allows them to increase prices each year by, you guessed it, inflation.
They've been doing it for years, but we probably didn't pay a lot attention. This year is different though because inflation is in double digits.
🚨**NEWSFLASH - all those bills will be going up by more than inflation 😱
In the small print, a lot of them stipulate that they will increase by RPI + 3.9%** Inflation is around 10%, and on this arbitrary 3.9%, and you're looking at a whopping 14% increase. We say arbitrary because we cannot figure out why 3.9% and they all same to be using the same figure. If you know the answer, please get in touch with us.
So what can you do? We share some tips for negotiating, news for vulnerable customers and why you might want to move to Tesco Mobile. But don't recontract before they've had their price increases.
YOUR HOST:Julie Flynn is an experienced independent financial adviser and financial coach. She’s spent years studying and researching how stress affects our financial decision making. She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
Cafe Expert:Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Website
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
Atomic Habits for your money
Have you read James Clear’s book, Atomic Habits?
Its about the power of making small changes and the cumulative effects it can have. Compounding in action if you like.
We wondered what would be possible if we applied his principles to money.
Whether you want to build a savings habit, or need to get on top of the bills as they come in, we’ve got you covered.
- The 4 steps of building a habit
- Habit stacking
- Making it pleasurable
- Track those habits
If you want a copy of Julie's spreadsheet that turbo charges your money, drop her a message on instagram.
https://jamesclear.com/
Habit App
YOUR HOST:Julie Flynn is an experienced independent financial adviser and financial coach. She’s spent years studying and researching how stress affects our financial decision making. She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
Cafe Expert:Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Website
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
We're joined by the fabulous Sara Williams aka @debtcamel in this episode to take a closer look at BNPL.
We'll be looking at:
- How it can be used in a good way
- Is it better than a credit card?
- What if you're thinking of getting a mortgage
- Can it help build your credit score? Or does it harm it?
- Are you pretend 'adulting' with BNPL?
- The pitfalls of using multiple BNPL schemes and how to manage them
- And what may change in the future with the introduction of regulation
If you are looking for some tips on how to manage your money check out episode 26 about budgeting.
💥UPDATE: since recording, Klarna have announced they will begin charging late fees from 16th March 2023💥
GUEST EXPERTThis week we are joined by Sara Williams aka Debt Camel. Sara is a debt expert having been a debt adviser for over 20 years. She set up Debt Camel in 2013 to write about what really matters to people who have a debt problem and to talk about the common questions that get asked.
Website: debtcamel
Instagram debtcamel
YOUR HOSTSJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
Cafe Expert:
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
Buying a house is one of the biggest purchases of your life. So it makes sense that it can be a little stressful.
An extra layer of complexity get's added when you haven't different financial circumstances to the person you are buying with. That could be a host of reasons. Second (or third or fourth) relationships, one of you has inherited money, one of you earns more than the other.
In this episode we're tackling the questions you sent in when we asked you about your less than straightforward mortgage situations.
You asked us how to handle buying a house when:
- Someone has a bigger deposit.
- That money was gifted.
- One earns more than the other.
- What if you want different mortgage terms?
- What if one of you want to overpay?
Jennifer was on hand to handle the technical questions. As with everything though, communication is key.
If you're entering into a process of spending hundreds of thousands of pounds, it makes sense to sit down and have a conversation about what money means to you and what the home means to you. What are your expectations? Today and in the future.
A key takeaway was being prepared for the fact that things change. You may have vastly different financial circumstances today, but that may not always be the case. Roles may be reversed. Keep checking in with each other financially, and create a space to have open and honest conversations.
Check out episode 27 The Art of Sharing Finances for more tips.
And check out Jennifer's first appearance on the podcast back in January 2022 episode 10 Everything Mortgages
YOUR HOSTSJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
Cafe Mortgage Expert:
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
AKA lifestyle creep – when our spending tends to increase as our income rises.
What’s bizarre is that as we increase our spending habits, short term we have a higher standard of living, but long term it’s the opposite. We’re not as resilient to ‘financial shocks” (see episode 28 on emergency funds).
And if we’re spending, we’re not saving. This limits your financial flexibility later in life. We need financial yoga!
We offer up some tips on how to think differently and behave differently next time your income goes up:
Spending plan – and revisit it to see if you spot any ‘creep’
Set some financial goals – doesn’t matter what they are, it’s all about building a habit
Automate savings – helpful tips for this in episode 28
Each time you get a rise in income work out what it is monthly after tax
Every February & March you have some spare cash because council tax is paid over 10 months. Could you do something different with that money, something intentional?
Next time you get an increase in income, calculate how much it is each month after taxes. The pay rise may seem a big number, this can trick your brain into thinking you’ve got more than you really have.
The big one is stay in your own lane! Try not to compare yourself to others and how they are spending.
YOUR HOST:Julie Flynn is an experienced independent financial adviser and financial coach. She’s spent years studying and researching how stress affects our financial decision making. She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
Cafe Expert:Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Website
Emily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement. LinkedIn | Instagram | Facebook
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
We’re joined by Charlotte Wood for this episode as she has the most epic collection of games (over 140!) So who better to talk through what we can learn from them.
Charlotte points out that life isn’t just about money. We manage all our resources, time, physical and mental energy, emotional capacity and social capital. And there are plenty of tips to be picked up from games.
Our key takeaways were:
- Creates a space to communicate
- Learning how to lose
- It’s ok to quit things
- Helps build decision making processes
- Analysing risk
There’s the obvious games such as Monopoly and Game of Life which we touch on & here's a few less well known ones:
Viticulture (the wine one)
Chocolate Factory
Catan (lessons about resources & social capital)
Flamecraft (dragons running shops)
Cashflow 101(financial literacy & investing, online version is free)
Pop to the Shops (mega popular for young kids)
Tycoon Games (how to build empires)
Invest Stock Market Simulator (portfolio management)
Guest ExpertCharlotte Wood is a Chartered Financial Planner and runs Rosewood Financial Planning. Charlotte is active within the profession as a women’s advocate and an award-winning community builder, most notably the founder of the Empowered Community. As an intersectional feminist, Charlotte spends a lot of her free time reading and learning about social justice issues and how to embed these values within the way she works and her business. Charlotte also has two children under four, and speaks openly about her struggles being a mum and a businesswoman.
YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CAFE EXPERTS:Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Website
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
Michelle had been surfing Pinterest and came across an infographic on the different money milestones you “should” be hitting. In this episode we take a slightly irreverent look at these milestones.
You won’t be surprised to hear that we don’t entirely hold with the milestones set out. Because life simply isn’t linear, not everyone has children, we get married, divorced lose partners or stay single.
Much of this is personal, our take is to concentrate on the basics when you can and try not to compare yourself to others as we all have vastly different circumstances.
Insights:
- Don’t blow up your credit rating as soon as you turn 18 – it is not free money, it’s not even cheap money
- Test-drive new borrowing before you actually do it (Jennifer’s top tip around 10 minutes in) – buying your first house or upsizing
- When you’re given the information you need about money, at the right time, it increases your chances of success – critical in your 20s
- Just because you’re earning more, doesn’t mean you need to take on more debt (car loans, home improvements…) – one to beware of in your 30s
Things we do agree with:
- Emergency fund
- Protect your income as young as possible
- Regularly review your spending plan
- Know when to get expert help
- Power of Attorney
YOUR HOSTSJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CAFE EXPERTS:Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Website
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
Who better to talk us through what financial wellbeing really means than the Chair of the Institute for Financial Wellbeing, Ruth Sturkey. The five areas that create wellbeing from Rath & Harter:
Career
Social
Financial
Physical
Community
We chat about the danger of goals, and how important the journey is. Ultimately the key to financial wellbeing starts with knowing yourself. Then you can make choices and plans from a place of understanding what is truly important to you. Skim back over your diary for the year with a sheet of paper. Make a note of the things that brought you joy, what drained your energy?
Your Best Year Yet
Wheel of Life
GUEST EXPERT: Ruth SturkeyMoney is a means to an end. This was the guiding principle for the business Ruth co-founded. She is Chair at the Institute for Financial Wellbeing (IFW) where the aim is to change the narrative around money. Improving client’s financial wellbeing, making them happier not just wealthier.
YOUR HOST:Julie Flynn is an experienced independent financial adviser and financial coach. She’s spent years studying and researching how stress affects our financial decision making. She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
Cafe Expert:Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.
Website
Emily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Sara Walker She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
January can be a long month! In this episode we’re sharing some ideas for how to fill the weekend, without emptying your bank.
Caveat: we’re not going extreme no spending. We get that if you decide to have a nice long relaxing bath that’s technically spending on your energy bill. But we share enough ideas that there will be something for everyone.
Big shout out to @savingmoneybish who did an excellent post on this on Instagram. And Helen Johnson for introducing us to YouTube playlists for dancing the weekend away. And Tamsin Caine for not only sharing her favourite hikes, but actually taking me to her favourite place.
Whether you want to expand your mind with TED Talks, get out into nature with the dog, or explore fabulous free museums. Yes we might be having to do this out of necessity at the end of January. But could we make it so much fun it becomes a monthly thing?
We’d love to hear your ideas and what you got up to, as always, drop us a message womenandmoneycafe@gmai.com
Resources:
35 no spend ideas
The bias TED Talk
No Spending with Kids from lovemoney.com
YOUR HOSTS
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
Cafe Expert:
Emily Pool is a Financial Planner and Will Writer and Founder of Happy Planet Financial Planning and is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
Joining us today from the Mentor Standard we have Amira & Julie who live by the motto we rise by lifting others up. Packed full of wisdom they got us off to a start with this line…
“a mentor is someone who has very good answers for the questions that you've got, whereas a coach has very good questions for your answers”
Two stats about mentoring:
- Within a year of mentoring you are 6 times more likely to be promoted.
- As a mentee you are 5 times more likely to be promoted or secure the outcome you were looking for.
We know that having a mentor can benefit your career, and ultimately your finances. Help you get a payrise, promotion, move to a new department, access to projects. But how do you go about finding one? What does a good one look like? How to spot if the relationship have has gone off the rails? Julie & Amira answer this and many more questions in this episode.
- Use the 80/20 rule to help you find a good mentor.
- Who leaves you energised after you speak to them?
Ever wondered where the word mentor comes from? Who the first financially independent woman was in ancient Greece? Which woman was the first kick ass mentor? All is revealed in the opening 10 minutes.
The Mentor Standard’s Platinum Rule: Treat others as they would wish to be treated themselves.
Lean In
Tough Women
Labrador
The Mentor Standard Community
GUEST EXPERTS:Amira Norris is an award winning Chartered Financial Planner; now working with a multi award-winning investment platform. She champions deeper connectivity, via strong human relationships and true digitisation.
Julie Goddard is an award-winning mentor, a business psychologist and cofounder of The Mentor Standard which offers community, content, and courses for anyone inspired to elevate the quality of their mentoring.
LinkedIn
YOUR HOST:
Julie Flynn is an experienced independent financial adviser and financial coach. She’s spent years studying and researching how stress affects our financial decision making. She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
Cafe Expert: Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
If you hang out on financial forums or listen to personal finance podcasts, you’ve probably heard about FIRE. If you haven’t, it’s all about Financial Independence, Retire Early.
At its extreme end, FIRE is about living as frugally as possible today with the aim of being able to quit working as early as possible. Be that living on beans on toast every day this week, so that in a few years’ time you can be permanently living on a beach.
In this episode we’re going run through the theory and the practicalities of FIRE. Maybe our profession leans away from FIRE because we see the curve balls life throws at our clients. But we do believe that you can pick and mix. Take the bits of FIRE you like and use that to improve your financial wellbeing today.
The elements of FIRE we think anyone can benefit from:
- Intentional goal setting
- Disciplined saving & investing
- Maximise your income
- Building positive habits
And our absolute favourite aspect of FIRE is that you absolutely positively have to be investing. It’s the only way to build wealth and long term financial security if you aren’t planning on inheriting millions or marrying millions.
Your Money or Your Life
YOUR HOSTS:
Catherine Thomas-Humphreys is an Award Wining Financial Coach, Qualified Adviser and Family Will Writer. Catherine believes money is a force for good and when in the hands of good people can be used to do great things. She loves working with purpose-led parents who are ready to change their money habits & beliefs to achieve financial success for themselves and their family.
She founded #TheFinfluencer as a safe space to coach and empower parents to influence, make, save, spend and grow money, consciously, ethically and positively.
The Finfluencer | Instagram
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Michelle has a passion for providing financial advice, guidance and education to everyone, regardless of their gender, age or current circumstances.
Website | Instagram
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Emily Pool is a Financial Planner and Will Writer and Founder of Happy Planet Financial Planning and is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
Mental health boost for our first episode of the year.
We will not be held responsible if you decide to get the word NOW tattooed on your backside!
There are lots of reasons why we need to look after your mental health, especially in January
- Making the money last until the end of the month
- Credit card bill due
- Having spent a lot of time with family
- Jitters about going back to work after time off
- Worry about 2023 bringing more rising bills
Maybe you already do lots of to look after your mental well-being. Yoga, mindfulness, therapy, exercise, journalling?
Wouldn't it be great if there were some quick wins though?
We've got you covered, because today we're joined by the fabulous Lyn Penman. Lynn is the UK's leading solution focussed mental health expert, best selling author and speaker.
Lyn will be sharing with us what led her to develop a forward looking mental health approach and some hints and tips you can implement today to keep that anxiety bucket at safe levels.
Her experience is that nobody has anxiety, nobody has depression or OCD, what we have is a lack of understanding of the crazy lady voice in our heads - if you're familiar with Lyn's work, you'll know all about her crazy lady dolls. She is definitely putting the fun into mental health.
GUEST EXPERT:LYN PENMAN has trademarked her own mental health management method called The Now Step® which allows individuals to manage their mental health without going over the past.
Lyn works with corporate companies and individual professionals helping them to manage mental health in this new and solution focused way.
She runs a membership called The Now Step® community, she is a best selling author and she is a speaker at corporate events.
Buy The Now Step from Waterstones or Amazon
YOUR HOST:
Julie Flynn is an experienced independent financial adviser and financial coach. She’s spent years studying and researching how stress affects our financial decision making. She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
Cafe Expert: Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
Women & Money Cafe's 2022 Review
For the first time, Julie is flying solo in the cafe. In this episode she shares some of her favourite guests and episodes from 2022:
- Jacci Jones in episode 9 sharing her wisdom on what other people think about you
- We play a word game when recording to put nerves at ease. Can you spot what it is in episode 10 with Jennifer O'Neill?
- We record 2 episodes at a time. We were particularly enraged on episode 17, asking for a pay rise. This is because we'd been recording with Carol Deveney just before on episode 16 & Carol drop a hand grenade
- In May we had an eclectic range of guests. From Tamsin Caine talking to us about divorce. To Jo Soley giving business insights with the power of numerology. And Giselle Galper helping women progress their careers.
- Episode 47 unleashed the force that is Nicola Peake. Why networking sucks! (yes she swears, but boy does she know what she's talking about)
- You could not get enough of episode 51 in it's first week. Michelle & Julie gave away the secrets of financial coaching.
The official top 5 of the year were:
1. ADHD & Money with Martha Lawton
2. DIY a Financial Plan
3. Wills & Why have one
4. Why everything you've been taught about emergency funds is wrong
5. Budgeting - let's stop pretending there's a holy grail
YOUR HOST:
Julie Flynn is an experienced independent financial adviser and financial coach. She’s spent years studying and researching how stress affects our financial decision making. She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
There's no getting away from it that cash is not going as far this Christmas as it usually does.
So we've put this episode together for a little free feel good Christmas vibes.
We're going walk down Christmas memory lane from when we were younger. When we didn't have as much money. Because often, the things that brought the most joy, didn't cost anything.
We hope this episode helps you remember some of the simple (cheaper) pleasures. And maybe revisiting them will add a bit of magic back to this time of year without the stress of funding it.
Who remembers circling things in the Argos catalogue?
Looking through the Radio Times, circling the shows you wanted to watch?
Is there a special Christmas movie you always watch?
How was decorating the Christmas tree different when you were younger?
Whose parents insisted the lights had to go on the tree first when all you really wanted to do was get the decorations on?
What used to go on the top of your tree?
Who misses foil decorations? And them falling off the blue tac?
Where there special sweets or chocolates that you only got a Christmas?
Glittered pine cone anyone?
Was there a particular board game that was always played at Christmas?
Catherine Thomas-Humphreys is an Award Wining Financial Coach and Family Will Writer. Catherine believes money is a force for good and when in the hands of good people can be used to do great things. She loves working with purpose-led parents who want to align their money habits, values & beliefs to achieve financial success for themselves & their family.
She founded #TheFinfluencer as a safe space to coach and empower parents to influence, make, save, spend and grow money, consciously, ethically and positively.
The Finfluencer | Instagram
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Michelle has a passion for providing financial advice, guidance and education to everyone, regardless of their gender, age or current circumstances.
Website | Instagram
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
What do young adults really think about money?
Sounds an innocent enough question. So to add an element of intrigue, we’ve got two very special guests with us this week. Catherine’s son Toby, and Michelle’s daughter Grace join us.
We put a series of questions to Grace & Toby. Giving an amazing insight in to their world of view money. Is it about freedom, choice or responsibility? Listen on if you want to learn their thoughts on our questions:
- What does money mean to you?
- How did it feel getting paid for the first time?
- What do you do when you earn some money?
- What do you think about saving money?
- What do they think about the news coverage of money?
- Should personal finances be taught in schools?
By the end of the episode hopefully you can see just how smart young adults can be with money and understand some of the challenges they face around it.
A huge thank you from the Café team to Grace & Toby for joining us in this episode.
**YOUR HOSTS:
Catherine Thomas-Humphreys** is an Award Wining Financial Coach and Family Will Writer. Catherine believes money is a force for good and when in the hands of good people can be used to do great things. She loves working with purpose-led parents who want to align their money habits, values & beliefs to achieve financial success for themselves & their family.
She founded #TheFinfluencer as a safe space to coach and empower parents to influence, make, save, spend and grow money, consciously, ethically and positively.
The Finfluencer | Instagram
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Michelle has a passion for providing financial advice, guidance and education to everyone, regardless of their gender, age or current circumstances.
Website | Instagram
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
In this episode we are sharing our top tips on how to keep you money in shape at Christmas.
Julie’s suggestion: APP ALERT! Gift List lets you list everyone you are buying for and set a budget. It helps you be more intentional with your gifting and keeps track of where you are up to.
Top tip – don’t delete the app after Christmas. If you keep it, all your data will stay be there next year.
Catherine gets intentional: who are we buying for? Have we set a budget? Is it on the list? This helps combat impulsive purchases. Get your planning hat on! And have a clear out beforehand, it makes space for new stuff and it can help make a bit of extra money towards this years presents. For extra money making tips listen again to episode 2
Lots of family to buy for? What about a family budget? Hear how the Flynn’s managed 12 nephews and nieces Christmas presents.
And check out @financielle for how to have the conversation about not doing gifts this year.
**YOUR HOSTS:
Catherine Thomas-Humphreys** is an Award Wining Financial Coach, Qualified Financial Adviser and Family Will Writer. Catherine believes money is a force for good and when in the hands of good people can be used to do great things. She loves working with purpose-led parents who want to align their money habits with their values & beliefs to achieve financial success for themselves and their family.
She founded #TheFinfluencer as a safe space to coach and empower parents to influence, make, save, spend and grow money, consciously, ethically and positively.
The Finfluencer | Instagram
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive her. She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
Emily Pool is a Financial Planner and Will Writer and Founder of Happy Planet Financial Planning and is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Support the show✅ And if you enjoyed the show, please leave us a review.
***We genuinely love hearing your questions and feedback.
So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.***
Finding a financial profession is hard! And how do you know if they are any good or not? And how do you decide if they are the right one for you?
In this episode we are going to talk you through our big red flags that the individual isn’t right for you. And along the way we will share some tips to help you find the right financial expert for you.
The absolute minimum you should be looking for:
- On the FCA register as a regulated individual
- They have at least “level 4” qualifications
Red Flags:
- Your adviser should not be like an expensive gym membership that you don’t use
- If you have financial products, but aren’t sure what they are for or how they work
- Any communication from them leaves you more baffled than before they communicated
- If the conversations are one way (is that even a conversation?)
- If you are in a couple and the adviser doesn’t engage with one half of the couple
Listen to the end when we explain (not unsurprisingly for us) why we think it’s important that your adviser has opinions and is happy to voice them.
**YOUR HOSTS:
Catherine Thomas-Humphreys** is an Award Wining Financial Coach, Qualified Financial Adviser and Family Will Writer. Catherine believes money is a force for good and when in the hands of good people can be used to do great things. She loves working with purpose-led parents who are ready to change their money habits & beliefs to achieve financial success for themselves and their family.
The Finfluencer | Finfluence | Instagram
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive her. She uses her years of experience and research to support women experiencing or planning significant change in their lives. Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Michelle has a passion for providing financial advice, guidance and education to everyone, regardless of their gender, age or current circumstances.
Website | Instagram
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
✅ And if you enjoyed the show, please leave us a review.
We genuinely love hearing your questions and feedback.
So, email us a voice note hello@womenandmoney.cafe or via instagram with your thoughts and suggestions.
Can I afford financial advice? What does it cost? Will I get ripped off? These are some of the questions that might be going through your mind if you are toying with the idea of approaching a financial adviser.
We get it! It’s confusing, opaque, and a bit of mystery.
In this episode Julie & Michelle are going to explain how financial advisers charge and why. And more importantly, what you can do make sure you pay the way you want to.
One of the big myths is that we only charge in percentages. It is one of the most common ways you will see advisers charge but it’s not the only way. And you can ask for something different.
Golden rule: know what you are paying for in £s and what that buys you. Then you can determine if that feels worth it to you.
We’ll cover the 3 potential triggers to pay a financial adviser:
- The advice
- Implementing the advice
- And looking after your money (aka ongoing service)
We’ll also share some tips on how to find a flat fee financial adviser; when it makes sense to pay a financial adviser an hourly rate; and how to limit the ongoing fee if you are paying one.
Julie did her best to explain how St James Place charges work as they are a little different. You can find them here and Julie's advice fees are here.
YOUR HOSTS:
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Following a career break where she spent time being a mum and running an arts and crafts business, Michelle returned to financial services in 2013 undertaking further study.
Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Michelle has a passion for providing financial advice, guidance and education to everyone, regardless of their gender, age or current circumstances.
Website | Instagram
✅ And if you enjoyed the show, please leave us a review.
We genuinely love hearing your questions and feedback.
So, email us a voice note hello@womenandmoney.cafe or via instagram with your thoughts and suggestions.
We all reach a point when the pension statement arrives. We feel the need to do something about it. Maybe you’ve googled financial advisers.
We’re going to walk you through what happens when you go to see a financial adviser about your pension.
There’s something important we want you to know, no matter how big or how small your pension is, we’re here to help. Your pension matters because you matter.
Some of the things we cover:
- How to find a financial adviser
- What happens in the first meeting
- What to bring with you to the meeting
- What we’re looking at in the paperwork
- How we will explain your pensions to you
- What happens at the end of the meeting
Resources:Pension Wise
Pension Tracing Service
VouchedFor
Unbiased
YOUR HOSTS:
Catherine Thomas-Humphreys is an Award Wining Financial Coach and Family Will Writer. Catherine believes money is a force for good and when in the hands of good people can be used to do great things. She loves working with purpose-led parents who are ready to change their money habits & beliefs to achieve financial success for themselves and their family.
She founded #TheFinfluencer as a safe space to coach and empower parents to influence, make, save, spend and grow money, consciously, ethically and positively.
The Finfluencer | Finfluence | Instagram
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive her. She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Michelle has a passion for providing financial advice, guidance and education to everyone, regardless of their gender, age or current circumstances.
Website | Instagram
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
✅ And if you enjoyed the show, please leave us a review.
We genuinely love hearing your questions and feedback.
So, email us a voice note hello@womenandmoney.cafe or via instagram with your thoughts and suggestions.
Award for the stupidest advice we’ve heard this year…
Goes to a solicitor who told a client you don’t need a Lasting Power of Attorney until you are in your 80s.
This is what one of Michelle’s clients were told. We were that shocked we felt the need to do an episode on what a Power of Attorney is and why you need one.
You get 2 kinds – a welfare power of attorney, and a financial power of attorney.
You need both. And before you hit your 80s!
They basically allow for someone who has your best interests at heart to make decisions for you if you are unable to do so yourself.
If you wait until you need one, it’s probably to late. A bit like trying to get life cover after a critical diagnosis. You can seek legal advice to put one in place, or arrange yourself via the links below.
Resources:
MSE article
Scotland Office of Public Guardian
England & Wales
Northern Ireland Department of Justice
YOUR HOSTS
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
Emily Pool is a Financial Planner and Will Writer and Founder of Happy Planet Financial Planning and is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
✅ And if you enjoyed the show, please leave us a review.
We genuinely love hearing your questions and feedback.
So, email us a voice note hello@womenandmoney.cafe or via instagram with your thoughts and suggestions.
In this episode Michelle and Julie were originally going to discuss if you can change your money story. But according to Instagram, you all believe you can. Not one person thought it was impossible.
So rather than debating if, we are going to share how you do it. We are going to walk you through our coaching framework we use with clients to help them change their money mindset and unclear those blocks.
Grab a pen and paper and make a note of the prompts and you can try this at home:
- Awareness of a money belief
- Benefits
- Challenges
- Re-write the script
- Practical
- Purpose
You can download our handy journaling questions for working through the 6 steps here.
Our Favourite App this week is Lumio go check it out for a nice clean UI and way of keeping on top of your money.
If you enjoyed this episode, please leave us a review. It helps us reach other women just like you.
Resources:James Clear Atomic Habits book
Morgan Housel The Psychology of Money book
Julia Cameron The Artist's Way
YOUR HOSTS:
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Following a career break where she spent time being a mum and running an arts and crafts business, Michelle returned to financial services in 2013 undertaking further study.
Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Michelle has a passion for providing financial advice, guidance and education to everyone, regardless of their gender, age or current circumstances.
Website | Instagram
✅ And if you enjoyed the show, please leave us a review.
We genuinely love hearing your questions and feedback.
So, email us a voice note hello@womenandmoney.cafe or via instagram with your thoughts and suggestions.
Guilty? Fear? Shame? Nervous? Reckless?These are just some of the feelings that can come up for us when we've inherited money.
Inheriting money can bring about some strong emotional reactions and challenges. It can feel very lonely if you are in this situation, and it’s not something that is easy to talk about.
It’s not unusual to feel that you are the “custodian” of inherited money, especially if children are involved. This can lead to putting yourself under all kinds of pressure, and even cause anxiety and fear.
Guilt is another common emotion we see come up with inherited money. Sometimes we want to ignore the money, or hope it goes away. Because fundamentally we would rather have the person we lost back than the money. Shame is another emotion that can come up. Strong stuff!
We also talk about how the person died can influence how we think and feel. How we react to the loss of someone after a long illness and can be very different to a sudden death, such as suicide.
We are going to share some stories that we’ve experienced personally and professionally.
We hope that this episode can help you think and feel differently and any money you have inherited.
If this episode strikes a chord with you, please remember that we are financial coaches as well as financial advisers, and this is actually an area we are experienced at helping people with. So do get in touch if you would like some support.
✅ And if you enjoyed the show, please leave us a review.
BE PART OF THE CAFE
We genuinely love hearing your questions and feedback. So, drop us a voice note hello@womenandmoney.cafe and come and join the community on Facebook @womenandmoneycafeYOUR HOSTS:
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Following a career break where she spent time being a mum and running an arts and crafts business, Michelle returned to financial services in 2013 undertaking further study.
Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Michelle has a passion for providing financial advice, guidance and education to everyone, regardless of their gender, age or current circumstances.
Website | Instagram
Cafe Expert:
Emily Pool is a Financial Planner and Will Writer and Founder of Happy Planet Financial Planning and is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
We recently covered stupid investment headlines in episode 46 Since then, there have been plenty of scary investment headlines.
It’s perfectly natural to find this at the least unsettling. To bring some reassurance and understanding, in this episode we are going to answer the most common questions we have been hearing from investors.
- Will my investment go to zero?
- How much further can it fall?
- What do you think about the markets?
- I can't afford for it to drop further, should I pull out?
We understand that this can be a difficult time for investors. If you have concerns or worries about your money, before you make any big decisions, reach out to a financial adviser. We’re here to help and this is what we’ve trained to do, navigate tough times and support people to make good decisions.
BE PART OF THE CAFE
We genuinely love hearing your questions and feedback. So, drop us a voice note hello@womenandmoney.cafeYOUR HOSTS:
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
Sara Walker
Sara is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives. As a woman who herself continues to juggle work, family and hormones, she believes its never too late and every woman deserves the opportunity to flourish
sarafranceswalker
The amount of Inheritance tax paid in the UK has doubled in the last 10 years – to just over £6bn.
Unlike many taxes, early planning can have a big impact on reducing how much you have to pay. So be it for yourself, or your family, we are going to talk you through some steps you can take to reduce this tax bill.
Some of the ideas we share are simple and easy for you to implement. Other ideas, you really need a professional adviser to help you.
Example of an easy one, if you have any life cover, make sure it’s in a trust. Contact the insurance provider and they can provide you with the paperwork.
One you don’t want to try and organise yourself is placing an investment in a trust. Different trusts are taxed differently and do different jobs. A professional can help you avoid a costly mistake.
- What is the Nil Rate Band and the Residence Nil Rate Band
- Annual gift allowance of £3,000
- Small gift allowance
- Gifts for weddings & civil partnerships
- Gifting from your income (no limit!)
- Pensions are usually excluded from this tax
- Trusts & wills
- Gifting to charity can reduce the tax rate from 40% to 34%
- Business relief (i.e. AIM shares)
- When the 2 year clock starts, the 7 year rule, and beware the 14 year trap
7 Practical Ways to Avoid Inheritance Tax
Gift rules
Recording gifts IHT403
BE PART OF THE CAFE
We genuinely love hearing your questions and feedback. So, drop us a voice note hello@womenandmoney.cafeYOUR HOSTS:
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Following a career break where she spent time being a mum and running an arts and crafts business, Michelle returned to financial services in 2013 undertaking further study.
Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Michelle has a passion for providing financial advice, guidance and education to everyone, regardless of their gender, age or current circumstances.
Website | Instagram
Cafe Expert:
Emily Pool is a Financial Planner and Will Writer and Founder of Happy Planet Financial Planning and is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values
Does the thought of networking fill you with dread? Visions of those 7am meetings, holding a cup of coffee listening to pushy sales pitches?
We heard from Giselle Galper in 31. Career & Money with Giselle Galper how networking can increase your income. There must be a better way to connect with people who can help you, and who you can help? Even make friends?
Nicola Peake joins us, she is the Queen of Connections to progress your career and business, in a way that feels comfortable.
Nicola shares with us some really easy first steps to take when trying to build new business relationships. She also has some great alternatives to 7am meetings in non-descript hotels. Wild swimming, spa days, and her innovative networking session for the “quiet ones”.
5 Tips for making genuine connections
Guest Expert - Nicola Peake in 2020 during lockdown, she decided launched a national delivery business.
Home alone, bored of doing the same things every day and she was missing seeing people in real life! She knew she had to build a community, Peakes Private Members Club.
She runs the Business Growth Studio, which is for those working towards building their business to 50k.
BE PART OF THE CAFE
We genuinely love hearing your questions and feedback. So, drop us a voice note hello@womenandmoney.cafe and come and join the community on Facebook @womenandmoneycafeYOUR HOSTS:
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Following a career break where she spent time being a mum and running an arts and crafts business, Michelle returned to financial services in 2013 undertaking further study.
Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Michelle has a passion for providing financial advice, guidance and education to everyone, regardless of their gender, age or current circumstances.
Website | Instagram
Cafe Expert:
Emily Hall is a Financial Planner and Will Writer and Founder of Happy Planet Financial Planning and is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values
We have a track record of calling out BS & telling it like it is on the Women & Money Café. This episode is all about news headlines that drives us crazy. We're joined by our investment guru, Tsitsi.
These headlines are designed to make you do one of two things, either act out of fear or out of greed. Not make good financial decisions.
No 1 rule is to remember that the headlines are there to get your attention because that’s how they make money.
Dimensional's Tune Out the Noise video- worth watching for a bit of perspective
Stupid headlines:3 supercharged growth stocks down 80% - 93% that billionaires can’t stop buying – the train has already left the platform, and do you really have a lot in common with billionaires?
A low-risk way to beat inflation – sounds innocent enough? Article goes on describe an investment which in no right-thinking person’s mind could be classed as low risk.
Should I sell my house before prices crash or wait for the next boom? You can’t predict market crashes and booms. This is part of a much wider narrative going about about home ownership that we don’t like.
A recession is imminent, what and when to buy – there is no one size fits all solution to recession. Tsitsi's advice is to have a mental checklist for yourself, and if in doubt, get a professional to look over your portfolio.
BE PART OF THE CAFE
We genuinely love hearing your questions and feedback. So, drop us a voice note hello@womenandmoney.cafe and come and join the community on Facebook @womenandmoneycafe
YOUR HOSTS:
Catherine Thomas-Humphreys is an Award Wining Financial Coach, Qualified Financial Adviser and Family Will Writer.
Catherine believes money is a force for good and when in the hands of good people can be used to do great things. She loves working with purpose-led parents who are ready to change their money habits & beliefs to achieve financial success for themselves and their family.
She founded #TheFinfluencer as a safe space to coach and empower parents to influence, make, save, spend and grow money, consciously, ethically and positively.
The Finfluencer
Finfluence
Instagram
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making. She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching
Bree Wealth & Tax
Instagram
Tsitsti Mutiti
Tsitsi is an award-winning Investment Manager, Certified Financial Coach and the host of The Wealth Conversation Podcast. Website | Instagram
In this episode we are going to walk you through everything you need to know and do to be able to invest in your first stocks & shares ISA.
Knowing why you are investing is key to being a successful investor and we covered that back in episode 21. You need some cash for emergencies to before you start investing, and you can hear our thoughts on that back in episode 28.
How long? Knowing the timeframe for your investment will help with some of the decisions you are going to make. Are you investing for something in 5 years, 20 years, longer?
How much risk? Too much or too little risk can be equally bad. So how do you find what is right for you? We mention the Beam app, which sadly is not currently available. There are lots of tools out there to help you with this, a simple one is on Standard Life’s website
Hands on or hands off? You have 3 options as to how involved you want to be with the investment:
- Robo
- DIY
- Adviser
We’ll explain what asset allocation is and why it’s important. The role of ‘point and shoot’ funds, and how they can fit into a core and satellite approach.
6.22 Julie explains risk
12.42 Robo, DIY or adviser
25.13 Active & passive investing
31.11 List of Robo advisers
31.48 How to pick funds
38.37 Charges
Compare the Platform
Morning Star
Trustnet
BE PART OF THE CAFE
We genuinely love hearing your questions and feedback. So, drop us a voice note hello@womenandmoney.cafe and come and join the community on Facebook @womenandmoneycafe
YOUR HOSTS:
Catherine Thomas-Humphreys is an Award Wining Financial Coach, Qualified Financial Adviser and Family Will Writer.
Catherine believes money is a force for good and when in the hands of good people can be used to do great things. She loves working with purpose-led parents who are ready to change their money habits & beliefs to achieve financial success for themselves and their family.
She founded #TheFinfluencer as a safe space to coach and empower parents to influence, make, save, spend and grow money, consciously, ethically and positively.
Financial coaching - The Finfluencer
Money Membership Finfluence
Catherine’s bitesize money wisdom - Instagram
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching
Bree Wealth & Tax
Instagram
Heading off to university? Exciting times!
Julie & Catherine are the first to admit that they found finances difficult when they went to Uni. Julie was a self-confessed disaster. This might be your first-time managing money. We want to share what we wish we knew when we were younger so you can avoid our mistakes.
We are going to give you a run down on everything you need to know and answer the questions you sent in. We’ll be covering:
- Breakdown your cashflow
- Manage your expenses
- How to save money
- Apps & resources
5.42 Why cashflow is different for students, and how to manage it
10.50 How to make sure you have money for food, but also money for fun
17.03 Save money on books
20.35 Student bank accounts
27.27 Handy apps
Please share with anyone you know going off to uni. And if you found it helpful, leave us a review 😊
Save the Student
Student bank accounts
Student Budget planner
Too Good To Go
Vital Source
BookMooch
MoneyLover
Cleo
HyperJar
Splitwise
UniDays
Totum
BE PART OF THE CAFE
We genuinely love hearing your questions and feedback. So, drop us a voice note hello@womenandmoney.cafe and come and join the community on Facebook @womenandmoneycafe
YOUR HOSTS:
Catherine Thomas-Humphreys is an Award Wining Financial Coach, Qualified Financial Adviser and Family Will Writer.
Catherine believes money is a force for good and when in the hands of good people can be used to do great things. She loves working with purpose-led parents who are ready to change their money habits & beliefs to achieve financial success for themselves and their family.
She founded #TheFinfluencer as a safe space to coach and empower parents to influence, make, save, spend and grow money, consciously, ethically and positively.
Financial coaching - The Finfluencer
Money Membership Finfluence
Catherine’s bitesize money wisdom - Instagram
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching
Bree Wealth & Tax
Instagram
We were blown away by the response to the ADHD episode 25. If you skipped it because it didn’t seem relevant, we would recommend having a listen. Full of loads of good money management tips in that anyone can make use of.
We've got Martha & Krystle on the sofa, sharing their tips & wisdom on how to automate your money & using friction with your money.
Krystle talks about removing the “doors” to help with large tasks and ones you don’t enjoy. Martha renames pensions as Naughty Little Old Lady Funds.
7.28 Why do I keep missing credit card payments & what can I do?
19.59 I’m usually good with money, but then go on a massive spending spree which I regret
22.01 De-biasing your money
31.44 Anxiety around money
40.07 What is bounded rationality & how can it help
44.04 Partner getting frustrated because I can't do money stuff
Guest Experts Martha Lawton financial educator and qualified financial coach. She has been helping people understand and use money better for over fifteen years. She hosts the podcast Squanderlust about the emotional side of money. You can follow her on Instagram.
Krystle McGilvery is the founder of Mind Over Money. She combines CBT, behavioural science to support others in making good financial decisions, build wealth and money confidence. Appearing on ITV, in The Telegraph, and on BBC Radio. You can follow her on Instagram
YouTube How to ADHD
Podcast How should we begin
Monzo ADHD research
BE PART OF THE CAFEWe genuinely love hearing your questions and feedback. So, drop us a voice note hello@womenandmoney.cafe and come and join the community on Facebook @womenandmoneycafe
YOUR HOSTS:
Catherine Thomas-Humphreys is an Award Wining Financial Coach, Qualified Financial Adviser and Family Will Writer. Catherine believes money is a force for good and when in the hands of good people can be used to do great things. She loves working with purpose-led parents who are ready to change their money habits & beliefs to achieve financial success for themselves and their family.
Financial coaching - The Finfluencer
Money Membership Finfluence
Catherine’s bitesize money wisdom - Instagram
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Financial coaching - Ebb & Flow Financial Coaching
Financial advice - Bree Wealth & Tax
Julie’s inexpert social media antics - Instagram
What is a financial plan? And do you need one?
Julie & Catherine are going to walk you through the 3 steps to building your own financial plan. You can make it as complicated as you want, or you can keep it to one page.
To us, the plan is a like road trip across Europe. We may not have a fixed destination, but we have lots of things we want to see along the way.
- hat is important to you
- Start to shape your goals
- Plug in the numbers
Along the way we’ve made up some golden rules. The 1st one is that the plan is not about perfection. Don’t get hung up on precise details.
Rule number 2 is remember this is about guessing, so it will not turn out exactly as you planned at the beginning. And that’s ok, because most of us change as we go through life.
Rule number 3, money is not your only commodity. You have time and talent!
4.23 Rule 3 explained
7.49 what is a financial plan
11.40 questions to help you with step 1
14.42 how the goals emerge from step 1
25.48 recap of the questions to ask yourself
27.43 Moving from step 2 to step 3
35.26 The numbers
42.30 Calculate your net worth
46.52 Another golden rule
Grab a copy of our One Page Plan as a PDF or word doc.
The savings plan section of this Calculator can do all of the numbers you need for step 3
BE PART OF THE CAFE
We genuinely love hearing your questions and feedback. So, drop us a voice note hello@womenandmoney.cafe and come and join the community on Facebook @womenandmoneycafe
YOUR HOSTS:
Catherine Thomas-Humphreys is an Award Wining Financial Coach, Qualified Financial Adviser and Family Will Writer.
Catherine believes money is a force for good and when in the hands of good people can be used to do great things. She loves working with purpose-led parents who are ready to change their money habits & beliefs to achieve financial success for themselves and their family.
She founded #TheFinfluencer as a safe space to coach and empower parents to influence, make, save, spend and grow money, consciously, ethically and positively.
Financial coaching - The Finfluencer
Money Membership Finfluence
Catherine’s bitesize money wisdom - Instagram
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Financial coaching - Ebb & Flow
Financial advice - Bree Wealth & Tax
Julie’s inexpert social media antics - Instagram
We welcome our very first ever man to the Women & Money Café in this episode, financial planner & financial coach Raj Modha. He takes a mind, body and soul approach towards financial advice. He shares with us how he works with clients and the personal reasons that shaped his practice.
Half way in Raj shares his favourite client question: What are you no longer willing to tolerate?
3:42 Raj’s take on holistic financial planning
8.45 Why empowerment is so important
12:10 Where being able to love yourself fits into financial planning
16:42 The stories that run in our heads for 20 years and why maths has nothing to do with being good with money
20:43 How bringing coaching to financial advice creates a judgement free neutral environment
30:11 Saying “No” more often can lead to a more purposeful life
34:37 How nutritionist and travel agents became part of Raj’s financial advice
37:31 Poking clients becomes more important than investment strategy
Guest Expert - Raj Modha is a father of two and his wife (Sindy) has suffered living with him for almost 23 years. She would suggest that he watch any sport on TV, but he’s actually a fan of football & cricket. He hold a season ticket for the mighty Foxes. He loves walking, socialising and unfortunately dad dancing!!
BE PART OF THE CAFE
We genuinely love hearing your questions and feedback. So, drop us a voice note hello@womenandmoney.cafe and come and join the community on Facebook @womenandmoneycafe
YOUR HOSTS:
Catherine Thomas-Humphreys is an Award Wining Financial Coach, Qualified Financial Adviser and Family Will Writer.
Catherine believes money is a force for good and when in the hands of good people can be used to do great things. She loves working with purpose-led parents who are ready to change their money habits & beliefs to achieve financial success for themselves and their family.
She founded #TheFinfluencer as a safe space to coach and empower parents to influence, make, save, spend and grow money, consciously, ethically and positively.
Financial coaching - The Finfluencer
Money Membership Finfluence
Catherine’s bitesize money wisdom - Instagram
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Financial coaching - Ebb & Flow Financial Coaching
Financial advice - Bree Wealth & Tax
Julie’s inexpert social media antics - Instagram
Cafe Expert:
Emily is a Financial Planner and Will Writer and Founder of Happy Planet Financial Planning and is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values
Saving for children was a subject that came up a lot back in our clubhouse days. So it made sense to revisit it and give you a whistle stop tour of your options.
We’ll be covering everything from savings to investing, for younger children and older children.
Putting money aside for children isn't just about providing for their futures, its creating a great opportunity to talk about money.
And check out MSE website for deals.
- Bank accounts
- Apps for cash & investing
- Junior ISAs
- Pensions
- General Investments
7:21 High street bank savings accounts (HSBC, Virgin Money, Saffron & Principality Building Society, Halifax)
8:35 Banking type apps (Go Henry, Kite, Rooster Money)
11:20 Junior ISAs
15:02 Investment platforms
19:20 Investing apps for Junior ISAs (MoneyBox, Wealthify, Beanstalk)
23:51 Alternatives to Junior ISAs
28:56 Pensions for children
BE PART OF THE CAFE
We genuinely love hearing your questions and feedback. So, drop us a voice note hello@womenandmoney.cafe and come and join the community on Facebook @womenandmoneycafe
YOUR HOSTS:
Catherine Thomas-Humphreys is an Award Wining Financial Coach, Qualified Financial Adviser and Family Will Writer.
Catherine believes money is a force for good and when in the hands of good people can be used to do great things. She loves working with purpose-led parents who are ready to change their money habits & beliefs to achieve financial success for themselves and their family.
She founded #TheFinfluencer as a safe space to coach and empower parents to influence, make, save, spend and grow money, consciously, ethically and positively.
Financial coaching - The Finfluencer
Money Membership Finfluence
Catherine’s bitesize money wisdom - Instagram
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Financial coaching - Ebb & Flow Financial Coaching
Financial advice - Bree Wealth & Tax
Julie’s inexpert social media antics - Instagram
As you will know there are some subjects that really get us fired up, and one of Julie’s red buttons is weapons. Now we often talk about having your money aligned with your values, and while Julie has her pensions and investments aligned with her values, she asked Catherine what else could she be doing to ensure her money wasn’t inadvertently supporting war and weapons.
Enter Catherine’s ethical money audit.
Catherine’s research showed us that there are 25 companies involved in creating nuclear weapons. Which made Julie’s audit a little easier to do. But Catherine has the skills and experience to help anyone who wants to fine tune the spending and money to reflect their values.
Catherine’s audit included:
- Banks – we’ve got two green banks, and two red banks
- Mortgage – we found that a lack of transparency by some banks makes it difficult to truly understand what they do with our money. Julie will be letting her mortgage broker know to avoid weapons next time she’s remortgaging.
- Insurers – some of the big providers are insuring the 25 companies. But wishy washy ESG policies aren’t helping
About half way through the audit, Catherine must give a green status to a company it’s fair to say she is not aligned with. Can you guess who it is?
We also touch briefly on investments. While we are big fans of keeping investing simple, which is kind of code for passive investing, Catherine highlights why you might want to rethink this approach if you have values like Julie.
App of the week – Sprive for clearing your mortgage early. We love how simple this app is and the control it gives you.
BE PART OF THE CAFE
We genuinely love hearing your questions and feedback. So, drop us a voice note hello@womenandmoney.cafe and come and join the community on Facebook @womenandmoneycafe
YOUR HOSTS:
Catherine Thomas-Humphreys is an Award Wining Financial Coach, Qualified Financial Adviser and Family Will Writer.
Catherine believes money is a force for good and when in the hands of good people can be used to do great things. She loves working with purpose-led parents who are ready to change their money habits & beliefs to achieve financial success for themselves and their family.
She founded #TheFinfluencer as a safe space to coach and empower parents to influence, make, save, spend and grow money, consciously, ethically and positively.
Financial coaching - The Finfluencer
Money Membership Finfluence
Catherine’s bitesize money wisdom - Instagram
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Financial coaching - Ebb & Flow Financial Coaching
Financial advice - Bree Wealth & Tax
Julie’s inexpert social media antics - Instagram
This week we are joined by Sara Williams aka Debt Camel. Sara is a debt expert having been a debt adviser for over 20 years. She set up Debt Camel in 2013 to write about what really matters to people who have a debt problem and to talk about the common questions that get asked.
In this episode we talked about the impact of the escalating costs of living with practical tips on what can be done to counter it. Sara shares more on Julies favourite Instagram post on her combi boiler tip, the importance of revisiting your budget to identify where savings can be made and our newest Women and Money Cafe Expert (also called Sara!) shared her insight on acceptance and other emotions.
Follow Sara aka DebtCamel:
Website: debtcamel
Instagram debtcamel
YOUR HOSTS:
Catherine Thomas-Humphreys is a qualified independent financial adviser, will writer and certified financial coach.
Catherine believes money is a force for good and when in the hands of good people can be used to do great things. She loves working with purpose-led parents who are ready to change their money habits & beliefs to achieve financial success for themselves and their family.
She founded #TheFinfluencer as a safe space to coach and empower parents to influence, make, save, spend and grow money, consciously, ethically and positively.
Financial coaching - The Finfluencer
Money Membership Finfluence
Catherine’s bitesize money wisdom - Instagram
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Financial coaching - Ebb & Flow Financial Coaching
Financial advice - Bree Wealth & Tax
Julie’s inexpert social media antics - Instagram
and in this Epiosde we introduced a new Host Sara Walker
Sara is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives. As a woman who herself continues to juggle work, family and hormones, she believes its never too late and every woman deserves the opportunity to flourish
Sara's Website: sarafranceswalker
This week: how to keep children entertained for the summer holidays on a budget.
Some of us mums have a predisposition to feel guilty. Be that for not spending enough time or money with our children. We'd like you to give yourself a pass for the summer.
- Children don’t need to be doing things all the time
- A lot of them like a bit of down time
- Chat with other parents to tag team
- Independence check – they get older without us realising & can do a lot more themselves
Catherine will be sharing her Magical Mystery Tour tactic she used when her children were younger to manage costs. Julie shares the strategies her clients who are widowed with young families use to make the most of the time.
5.32 You need a plan!
7.26 The Magical Mystery Tour box
11.29 How to build a support network
15.38 Affordable options
21.47 Start the summer with a project
23.30 Deals & freebies
25.41 How to make the free things feel special
32.37 How to handle conversations if there isn’t much money
RESOURECS:Army Cadets
Let’s Go Summer 2022
Ted talks for kids
Easy science experiments
STEM for kids
Meerkat Movies
Itison
Groupon
Kids eat free
Geocaching
Scavenger Hunt
BE PART OF THE CAFE
We genuinely love hearing your questions and feedback. So, drop us a voice note hello@womenandmoney.cafe and come and join the community on Facebook @womenandmoneycafeYOUR HOSTS:
Catherine Thomas-Humphreys is an Award Winning Financial Coach and Qualified Financial Adviser & Family Will Writer.
She believes money is a force for good and when in the hands of good people can be used to do great things. She loves working with purpose-led parents who are ready to change their money habits & beliefs to achieve financial success for themselves and their family.She founded TheFinfluencer as a safe space to coach and empower parents to influence, make, save, spend and grow money, consciously, ethically and positively.
Financial coaching - The Finfluencer
Money Membership Finfluence
Instagram
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
She is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Financial coaching - Ebb & Flow Financial Coaching
Financial advice - Bree Wealth & Tax
Not going to lie, jargon does our heads in as much as it does yours. We set ourselves a challenge, could we explain what the bizarre words of pensions means in one sentence.
To stop us from falling asleep we made it a bit competitive. Final scores:
Michelle 996
Catherine 40 + a pie
Julie 12
And be sure to listen to the end for a new regular feature – our favourite app of the week. Catherine kicks off with Tulipshare
2.56 SIPP
4.04 Lifetime Allowance
5.22 Annual Allowance & MPAA
6.39 UFPLS
7.47 Money Purchase / DC
8.54 Defined benefit (DB), final salary, CARE
11.06 Salary sacrifice
12.17 Flexible Access Drawdown (FAD)
13,16 Carry forward
14.18 AVC & FSAVC
15.23 CETV
17.21 Origo
18.28 GAR
19.57 Crystallised
21.23 BCE
22.53 GMP
24.14 PCLS
25.21 Protected Tax Free Cash
26.48 Revaluation & Indexation
28.13 Early & late retirement factors
29.31 Net & Gross
31.38 Triviality
33.24 MVR / MVA
37.26 Tapered annual allowance
38.38 Commutation
A comprehensive A - Z can be found here
_____________________________________________________________________________________________
YOUR HOSTS:
Catherine Thomas-Humphreys is a qualified independent financial adviser, will writer and certified financial coach.
Catherine believes money is a force for good and when in the hands of good people can be used to do great things. She loves working with purpose-led parents who are ready to change their money habits & beliefs to achieve financial success for themselves and their family.
She founded #TheFinfluencer as a safe space to coach and empower parents to influence, make, save, spend and grow money, consciously, ethically and positively.
Financial coaching - The Finfluencer
Money Membership Finfluence
Catherine’s bitesize money wisdom - Instagram
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Financial coaching - Ebb & Flow Financial Coaching
Financial advice - Bree Wealth & Tax
Julie’s inexpert social media antics - Instagram
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Following a career break where she spent time being a mum and running an arts and crafts business, Michelle returned to financial services in 2013 undertaking further study.
Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Michelle has a passion for providing financial advice, guidance and education to everyone, regardless of their gender, age or current circumstances.
Website | Instagram
Today we are joined by the power house that is Michelle Hoskin. 1 in 5 people in the UK have experienced some form of financial or economic abuse. Which means that someone you know has experienced or is experiencing this.
In the next 50 minutes we are going cover
- What is economic abuse?
- How do we recognise it?
- And what can we do about it?
7.29 What is Economic abuse - restricting, exploiting or sabotaging another person's economic resources
13.17 Boiling the frog - coercive control and how these things might begin - being coerced to stop working, having to explain purchases
20.34 It's not always quite what you think, Michelle's story about 3 siblings
26.03 What if it's one of the men in your life
33.19 How you can support someone
39.40 What can I do if it's me
Guest Expert Michelle Hoskin
Known for her endless enthusiasm and energy, infectious personality and unique outlook on what she describes as a ‘magical profession’. With more than 20 years’ experience working alongside some of the world’s most successful financial services organisations, Michelle is an internationally recognised author, speaker, coach and leading expert in the design and implementation of international framework-based best practice standards.
Connect with Michelle on Twitter or Facebook and Standards International
Resources:
Toolkit
Surviving Economic Abuse
Hourglass - use the drop down to select other parts of the UK
UK Finance - bank & building society of code of practice
YOUR HOSTS:
Catherine Thomas-Humphreys is a qualified independent financial adviser, will writer and certified financial coach.
Catherine believes money is a force for good and when in the hands of good people can be used to do great things. She loves working with purpose-led parents who are ready to change their money habits & beliefs to achieve financial success for themselves and their family.
She founded #TheFinfluencer as a safe space to coach and empower parents to influence, make, save, spend and grow money, consciously, ethically and positively.
Financial coaching - The Finfluencer
Money Membership Finfluence
Catherine’s bitesize money wisdom - Instagram
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Financial coaching - Ebb & Flow Financial Coaching
Financial advice - Bree Wealth & Tax
Julie’s inexpert social media antics - Instagram
When you think of retirement planning, the first thing that pops into your head may be pensions, numbers, money...
But a there's another commodity that is critical to having a successful retirement - Time. And that requires a lot of mental preparation to figure out how to spend it.
In this episode, Julie & Michelle will be sharing their observations and tips. Because the earlier we start thinking differently about retirement, the sooner it can happen. Between them, they've been helping people retire for nearly 50 years.
3.35 The standard question every adviser asks, and no client really knows how to answer (possibly it's the wrong question)
7.48 A cautionary tale on why you need to think about what you are going to do, rather than how much money you need
10.11 You could be in retirement for 30 -40 years, you need a plan!
12.18 Making a list of attributes you've seen in people who have retired "well", and those you don't want to copy
14.28 Your sense of identity & how golf can lead to antidepressants
17.25 Knowing why you go to work, can help you prepare for not going
18.11 How being prepared makes it happen sooner
23.51 A retirement plan with substance
31.11 Couples, you need to talk! Or you could be in for a surprise
Resources:
Mitch Anthony
___________________________________________________________________
BE PART OF THE CAFE
We genuinely love hearing your questions and feedback. So, drop us a voice note hello@womenandmoney.cafe and come and join the community on Facebook @womenandmoneycafeYOUR HOSTS:
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Financial coaching - Ebb & Flow Financial Coaching
Financial advice - Bree Wealth & Tax
Julie’s inexpert social media antics - Instagram
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Following a career break where she spent time being a mum and running an arts and crafts business, Michelle returned to financial services in 2013 undertaking further study.
Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Michelle has a passion for providing financial advice, guidance and education to everyone, regardless of their gender, age or current circumstances.
Website | Instagram
Joining us today is the wonderful Tamsin Caine of Smart Divorce. She is our go to expert when it comes to divorce and she will be chatting through what the new No Fault Divorce law means and sharing her wisdom and experience on how to navigate the end of a relationship.
4.34 The benefits of working with a Resolution Accredited Specialist
8.14 “Good Divorce” and what it’s got to do with breast feeding
10.34 Navigating the emotions of divorce & how that impacts on the outcome, in particular investing in support
12.51 Which professional should be your first port of call? It’s not who you think
16.10 What is this new No Fault Divorce?
24.15 Can you get divorced together?
30.17 How do you want your life to look – Tamsin’s top question and the top 4 worries most people have and what can help
33.59 Don’t do this! Even if you are tempted
35.42 Think beyond the next 5 years
Guest Expert: Tamsin Cainea Chartered Financial Planner & Resolution Accredited Divorce Specialist. Single mum to two teenagers, who she runs a taxi service for. She can be found hiking, at her local rugby club volunteering, or at the Crossfit gym.
You can follow her on Instagram
_____
YOUR HOSTS:
Catherine Thomas-Humphreys is a qualified independent financial adviser, will writer and certified financial coach.
Catherine believes money is a force for good and when in the hands of good people can be used to do great things. She loves working with purpose-led parents who are ready to change their money habits & beliefs to achieve financial success for themselves and their family.
She founded #TheFinfluencer as a safe space to coach and empower parents to influence, make, save, spend and grow money, consciously, ethically and positively.
Financial coaching - The Finfluencer
Money Membership Finfluence
Catherine’s bitesize money wisdom - Instagram
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Following a career break where she spent time being a mum and running an arts and crafts business, Michelle returned to financial services in 2013 undertaking further study.
Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Michelle has a passion for providing financial advice, guidance and education to everyone, regardless of their gender, age or current circumstances.
Website | Instagram
Who wants a treasure map for their business rather than a business plan?
Are you feeling stuck in your business?
Or wondering why some things always feel so difficult?
If so, this one is for you! The amazing Jo Soley joins us for an alternative way of approaching your business.
What prompted us to reach out to Jo was that Julie kept having conversations with women who were feeling stuck in their business. Everything felt hard, nothing was going as fast as they wanted. And there was an air of frustration. Jo had waved her magic wand over Julie's business last year, making life much easier for her. And we thought you might enjoy a different take on business coaching.
04.54 Avoid the cookie cutter & get a treasure map
07.11 A little insight into life as a 7
13.02 The power of 1 and why Jo doesn't have a 2.4 semi-detached
17.38 You're not just one number, there's what's easy and then what you're here to be
22.03 Your business works in 9 year cycles and you can leverage this and save money!
34.43 Why you don't recognise yourself in your Life Path Number
Guest Expert - Jo Soley
Business Coach and the founder of Bizology® - ‘Using the Powers of Numerology to Elevate Your Business Success’. Numerology has transformed Jo’s life and business to such a degree that her services are now related to connecting her clients to the energies of their numbers.
You can follow Jo on Instagram and connect with her on LinkedIn and join her community on Facebook
BE PART OF THE CAFE
We genuinely love hearing your questions and feedback. So, drop us a voice note hello@womenandmoney.cafe and come and join the community on Facebook @womenandmoneycafe
YOUR HOSTS
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Financial coaching - Ebb & Flow Financial Coaching
Financial advice - Bree Wealth & Tax
Julie’s inexpert social media antics - Instagram
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Following a career break where she spent time being a mum and running an arts and crafts business, Michelle returned to financial services in 2013 undertaking further study.
Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Michelle has a passion for providing financial advice, guidance and education to everyone, regardless of their gender, age or current circumstances.
Website | Instagram
Today we are joined by Giselle Galper the founder of Chea Seed. We'll be talking about the link between your career and your earnings.
Who's in your inner power circle? How friends, old employers, family? Use them to help you get clear on the value you offer.
Towards the end, Giselle sets us a challenge to use her super simple but powerful technique. It blew our minds, and I'm sure you'll like it to. If you tried it, drop us a message with how it went.
GUEST EXPERT - Giselle Galper
Founder and CEO of Chea Seed App. As the daughter of an Argentine immigrant Giselle saw first hand how difficult it could be for a Latina woman to advance her career. She is now committed to making expert career advice available to women of any background.
09.28 "garnering your facts"
11.13 "Little career moments" building small habits without jumping in at the deep end. Asking for small things repeatedly.
14.12 How to get a promotion at work and when to "pushback in the ass"
19.12 External bias and experienced bias
26.05 When do the self-limiting beliefs can kick in
31.12 Using LinkedIn and Calendly as a student & at the start of your career
BE PART OF THE CAFE
We genuinely love hearing your questions and feedback. So, drop us a voice note hello@womenandmoney.cafe and come and join the community on Facebook @womenandmoneycafe
YOUR HOSTS:
Catherine Thomas-Humphreys is a qualified independent financial adviser, will writer and certified financial coach.
Catherine believes money is a force for good and when in the hands of good people can be used to do great things. She loves working with purpose-led parents who are ready to change their money habits & beliefs to achieve financial success for themselves and their family.
She founded #TheFinfluencer as a safe space to coach and empower parents to influence, make, save, spend and grow money, consciously, ethically and positively.
Financial coaching - The Finfluencer
Money Membership Finfluence
Catherine’s bitesize money wisdom - Instagram
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Financial coaching - Ebb & Flow Financial Coaching
Financial advice - Bree Wealth & Tax
Julie’s inexpert social media antics - Instagram
Michelle Lambell is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Michelle has a passion for providing financial advice, guidance and education to everyone, regardless of their gender, age or current circumstances.
Website | Instagram
Solicitor and family law expert, Lisa Buckridge joins us today. We're talking prenuptial agreements.
Why might you consider one? How do you raise the conversation? And what if you wish you had one but didn't think about it before you got married.
We may associate them with US soaps. Lisa explains the benefits of having open and honest conversations at outset. Much easier than trying to do it when a relationship has ended.
Rather than thinking of it as a legally binding document, is there a case for it being the foundation of good communication?
Who are considering preps:
- 2nd marriages
- Those with a family business
- 1st time marriages in their 30s
- Those with inheritances
3.45 Why they are becoming more common in the UK
6.57 They are not legally binding, but Lisa explains "magnetic importance"
8.25 What is "duress" and how it affects prenups
11.00 If you don't have children at the time of the marriage
13.05 What is a matrimonial asset? And where do inheritances fit in?
17.14 The case for having a prenup
19.45 Postnups
24.35 Think of it as an insurance, especially if you're a farmer
26.52 Buying a property together, the implications
32.07 How to raise the conversation
38.07 Lisa summarises everything
Guest Expert - Lisa Purcell
Lisa is a Director at Purcell Solicitors specialising in family law since 2003. Lisa is keen to promote alternate dispute resolution outside of Court to assist parties in reaching agreement over their family law issues where possible and is a Resolution trained family law mediator. You can follow her on twitter
BE PART OF THE CAFE
We genuinely love hearing your questions and feedback. So, drop us a voice note hello@womenandmoney.cafe and come and join the community on Facebook @womenandmoneycafe
YOUR HOSTS:
Catherine Thomas-Humphreys is a qualified independent financial adviser, will writer and certified financial coach.
Catherine believes money is a force for good and when in the hands of good people can be used to do great things. She loves working with purpose-led parents who are ready to change their money habits & beliefs to achieve financial success for themselves and their family.
She founded #TheFinfluencer as a safe space to coach and empower parents to influence, make, save, spend and grow money, consciously, ethically and positively.
Financial coaching - The Finfluencer
Money Membership Finfluence
Catherine’s bitesize money wisdom - Instagram
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Financial coaching - Ebb & Flow Financial Coaching
Financial advice - Bree Wealth & Tax
Julie’s inexpert so
In today's episode we're talking about spending habits. Or more accurately, not-spending habits. The phrase emotional spending is one we're all familiar with. But what if that's not you? What if you are the opposite, and find it hard to spend on yourself?
Towards the end we suggest making a list of the how you can build up your spending tolerance, we'd love to hear what ideas you came up with (yes, Julie want's to borrow your ideas).
This one's for you if:
- You find it hard to spend money on yourself
- You feel guilty when you do
- When shopping for yourself, you look for the cheapest option
- Or if when spending, you make sure other people benefit from the purchase
5.44 Are you an emotional unspender in disguise?
7.35 Catherine's swimming suit agony and the root cause of why it can be difficult to spend on yourself
13.46 How preparation can help you become more comfortable spending money on yourself
18.47 Is a legacy scarcity issue getting in the way of you enjoying your money?
21.17 Judgement - the voices in your head, check who's voice it is
22.53 Lesson's from an 11 year old - can you afford it? Will it bring you joy?
25.32 Start small, make a list of things you can spend on yourself (doesn't have to be £s it could be time).
34.13 Internet shopping experiment with the filters to change habits
BE PART OF THE CAFE
We genuinely love hearing your questions and feedback. So, drop us a voice note hello@womenandmoney.cafe and come and join the community on Facebook @womenandmoneycafe
YOUR HOSTS:
Catherine Thomas-Humphreys is a qualified independent financial adviser, will writer and certified financial coach.
Catherine believes money is a force for good and when in the hands of good people can be used to do great things. She loves working with purpose-led parents who are ready to change their money habits & beliefs to achieve financial success for themselves and their family.
She founded #TheFinfluencer as a safe space to coach and empower parents to influence, make, save, spend and grow money, consciously, ethically and positively.
Financial coaching - The Finfluencer
Money Membership Finfluence
Catherine’s bitesize money wisdom - Instagram
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Financial coaching - Ebb & Flow Financial Coaching
Financial advice - Bree Wealth & Tax
Julie’s inexpert social media antics - Instagram
Emily Pool is a Financial Planner and Will Writer and Founder of Happy Planet Financial Planning and is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
In this episode, we’re talking about why emergency funds do our head in. Not the actual emergency fund, because that’s a good thing. No! What ‘experts’ tell you about them.
It all started with a puddle in Julie’s car which a few years ago would have been financial meltdown. Instead it took 30 minutes of emotional reckoning.
This episode is to get you on the path to needing 30 minutes to process the emergency, rather than having sleepless nights and added stress.
We will talk about the 2 main factors influencing your ability to build a "puddle" fund - the practical stuff, and how your thinking might be getting in your way.
Three practical tips:
- Ignore the conventional wisdom of 3-6 months expenses
- Save a small weekly amount that feels comfortable and use roundups
- Then review what you’ve been saving after a few months, and if you can, increase it a little bit.
03.47 Why we needed to talk to you about emergency funds
05.52 What the ‘experts’ say and our issue with it
07.15 If you don’t have one, what you might be thinking (it’s what we thought)
08.37 The 2 things we want you know about building an emergency fund
09.33 Catherine has a soapbox moment about what you call it (hint, she doesn’t like the word emergency)
12.00 The practical steps to building financial resilience, our 3 tips, plus Catherine’s bonus one
20.06 The emotions that get in the way of us building financial resilience
25.45 Let’s figure out your REAL number, not the text book 3 – 6 months
SPECIAL REQUEST: reviews helps us reach other women. If you enjoyed the show please leave a review.
BE PART OF THE CAFE
We genuinely love hearing your questions and feedback. So, drop us a voice note hello@womenandmoney.cafe and come and join the community on Facebook @womenandmoneycafe
YOUR HOSTS:
Catherine Thomas-Humphreys is a qualified independent financial adviser, will writer and certified financial coach.
Catherine believes money is a force for good and when in the hands of good people can be used to do great things. She loves working with purpose-led parents who are ready to change their money habits & beliefs to achieve financial success for themselves and their family.
She founded #TheFinfluencer as a safe space to coach and empower parents to influence, make, save, spend and grow money, consciously, ethically and positively.
Financial coaching - The Finfluencer
Money Membership Finfluence
Catherine’s bitesize money wisdom - Instagram
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Financial coaching - Ebb & Flow Financial Coaching
Financial advice - Bree Wealth & Tax
Julie’s inexpert social media antics - Instagram
Money can be a source of friction in any relationship. Regardless of whether it's in a relationship, going out for a meal, or sharing a house with friends; communication is the No 1 ingredient. But it's not always that easy to do!
The one action we would encourage you take from this episode:
Write down 1 thing you like about how the money works at the moment, and one thing you are less keen on. Ask your partner to do the same. And then get together and compare notes.
- Understand how being aware of our inherited money patterns repeat
- How to disrupt old patterns which are no longer helpful
- How to navigate a change in finances, such as starting a family
06.21 The money can be a reflection of what's going on in your relationship
11.36 When one of you has less because you're raising a family
15.04 One of our listeners feels like a financial "tenant"
20.35 Why breaking patterns is a good idea
21.50 How to start the conversation - know what you like and what you don't
RESOURCES:4 Tips for talking money with your partnerSplitwiseapp for shared expenses and balances with housemates, trips, groups, friends, and family
Settle Upbetter UI than splitwise & can send copies of bill to friends
Episode 30 to be released 30th May 2022 will cover pre-nups
BE PART OF THE CAFE
We genuinely love hearing your questions and feedback. So, drop us a voice note hello@womenandmoney.cafe and come and join the community on Facebook @womenandmoneycafe
YOUR HOSTS:
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Financial coaching - Ebb & Flow Financial Coaching
Financial advice - Bree Wealth & Tax
Julie’s inexpert social media antics - Instagram
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Following a career break where she spent time being a mum and running an arts and crafts business, Michelle returned to financial services in 2013 undertaking further study.
Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Michelle has a passion for providing financial advice, guidance and education to everyone, regardless of their gender, age or current circumstances.
Website | Instagram
Emily Pool is a Financial Planner and Will Writer and Founder of Happy Planet Financial Planning and is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
There are so many resources out there, showing you how to manage your money. Be it the envelope system, 50/30/20, pay yourself first. Here are the cafe, we've tried them all!
One thing that isn't talked about when this topic comes up, is how it "feels" to use these methods. That's what we're going to talk about in this episode. If you've ever tried one of these methods and it didn't work for you, it doesn't mean you're bad with money! It just wasn't the right one for you. We'll share how we manage our money and what we've learned along the way.
For some of us, giving every £ a job absolutely works. But for others, it can leave us feeling anxious and stressed. We would invite you to treat all of the different methods as a pick and mix, and go with what works for you. And be prepared for that to change over time, that's certainly been our experience.
5.05 Emily's method - spreadsheets
6.17 The foundation of Julie's method - a bill's account
7.52 Save on a weekly or monthly basis? One annoys Julie, the would send Michelle into a panic
10.53 What worked for you in your 20s might not be helpful as you get older
13.19 To cash or not to cash? Ignore conventional wisdom, and check in with how you feel about spending actual physical cash!
19.34 Where to start if you haven't found a plan that works for you?
26.38 Planning your savings, how to build the habit
35.23 How being goal orientated helps Emily with her money
BE PART OF THE CAFE
We genuinely love hearing your questions and feedback. So, drop us a voice note hello@womenandmoney.cafe and come and join the community on Facebook @womenandmoneycafe
YOUR HOSTS:
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Financial coaching - Ebb & Flow Financial Coaching
Financial advice - Bree Wealth & Tax
Julie’s inexpert social media antics - Instagram
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Following a career break where she spent time being a mum and running an arts and crafts business, Michelle returned to financial services in 2013 undertaking further study.
Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Michelle has a passion for providing financial advice, guidance and education to everyone, regardless of their gender, age or current circumstances.
Website | Instagram
Emily Pool is a Financial Planner and Will Writer and Founder of Happy Planet Financial Planning and is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
What an episode! We're joined by Martha, who talks to us about what it's like managing money if you have ADHD.
She shares some of the strategies she uses to manager her finances, and gives some great insights to help us understand the challenges of dealing with money when you have ADHD.
The impulsivity of ADHD means it can show up in shopping, cooking, always going to the first solution. The first solution that pops in your head is going to be what feels easiest, such as using credit cards or not shopping around for better deals on insurance.
Be sure to listen to the end (especially you financial advisers that listen), as Martha shares how we can work better with clients with ADHD and we learn how to say the Women & Money Cafe in Japanese!
11.59: Martha's ADHD diagnosis journey
14.55: Stereotype of ADHD Vs how it manifests in young girls
19.52: The Bad with Money Disorder (alternate name for ADHD), why it makes money management so tricky
22.23: How working memory issues interfere with life, and some strategies to help
24.57: Genius hack to help you remember the things that aren't visible
26.54: Why your ADHD friend is late or a no show
29.36: Using post-it notes and Cash Diets to manage your money
36.52: What is ADHD tax?
38.20: Automate your money, and add friction
41.40: How to work with a client with ADHD
Guest Expert - Martha Lawton
Martha is a financial educator and qualified financial coach. She has been helping people understand and use money better for over fifteen years. She hosts the podcast Squanderlust about the emotional side of money. You can follow Martha on Instagram.
BE PART OF THE CAFE
We genuinely love hearing your questions and feedback. So, drop us a voice note hello@womenandmoney.cafe and come and join the community on Facebook @womenandmoneycafe
YOUR HOSTS:
Catherine Thomas-Humphreys is an independent financial adviser, will writer and certified financial coach.
Catherine works with parents to financially empower them to raise up their family, in particular families undergoing change or complexity including blending, separating, single & co-parenting.
She founded #TheFinfluencer during lockdown to support and empower those feeling fearful or overwhelmed with their financial situation and focusses her work on creating positive relationship with your money, yourself, and those you love.
Catherine’s bitesize money tips - Instagram
Financial coaching - The Finfluencer
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Financial coaching - Ebb & Flow Financial Coaching
Financial advice - Bree Wealth & Tax
Julie’s inexpert social media antics - Instagram
Today we are joined by Funmi Olufunwa. She shares with us some of the different ways your employer can help build your financial security.
And employers, Funmi shares where you're going wrong in the recruitment process and how to make your employees feel engaged and valued, and ultimately more productive.
5.29: What is financial wellbeing in the workplace?
8.01: Missing out on a pension because of a lack of communication
13.06: Employers & employees need a mindset shift
15.48: "Competitive Salary" nonsense and how to get things right at recruitment
19.32: Checklist of what other benefits your employer might provide
20.53: Salary isn't everything! Things you need to know before changing jobs.
24.39: Talking to your employer about benefits, and finally, a reason to fill in the staff survey!
27.18: How employers can harness the power of the benefits they offer
Resources: UK's Strategy for Financial Wellbeing
Guest expert - Funmi OlufunwaWith a love of gospel music and singing and being most comfortable in a hoody and trainers (and let’s not forget the hoops), Funmi is perhaps not the image you may have of a typical finance expert. She left a 15 year successful career as a financial services lawyer, retrained as a financial coach and started Hoops Finance. Hoops Finance’s mission is to improve financial literacy, confidence and inclusion and to provide a “non-financy”, welcoming, jargon free space for people to talk and learn about money and how to make the most of the money you have while also enjoying your life.
Instagram - @hoopsfinance
LinkedIn - Funmi Olufunwa & Hoops Finance
BE PART OF THE CAFE
We genuinely love hearing your questions and feedback. So, drop us a voice note hello@womenandmoney.cafe and come and join the community on Facebook @womenandmoneycafeYOUR HOSTS:
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Financial coaching - Ebb & Flow Financial Coaching
Financial advice - Bree Wealth & Tax
Julie’s inexpert social media antics - Instagram
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Following a career break where she spent time being a mum and running an arts and crafts business, Michelle returned to financial services in 2013 undertaking further study.
Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Michelle has a passion for providing financial advice, guidance and education to everyone, regardless of their gender, age or current circumstances.
Website | Instagram
In this episode we're exploring success. What does success mean to you? How will you know when you've arrived? What does it look and feel like? And how does it change over time.
We'll be talking through different persepctives. And sharing the ones that you sent us. If you have a different definition to share, we'd love to hear from you. Email us hello@womenandmoney.cafe
According to Google success is something that you have to define for yourself, no one else can do it for you.
4.17: One of our listeners one word answer to what success means to them
8.21: If you know what success means to you, why it's important to think about what it looks like and feels like
11.29: Emily's take on why a number is not a definition of success
14.56: Whose definition of success are you using?
18.42: How to check your using your own measure of success
32.52: Success is doing what only you can do for the good of mankind - one of our favourite listener replies
43.33: Emily plays with her thesaurus to find other words for success. Seriously, it's enlightening.
If you enjoyed this episode check out episode 9 with the wonderful Jacci Jones who talks a lot of sense!
INTRODUCING YOUR HOSTS
Catherine Thomas-Humphreys is an independent financial adviser, will writer and certified financial coach.
Catherine works with parents to financially empower them to raise up their family, in particular families undergoing change or complexity including blending, separating, single & co-parenting.
She founded #TheFinfluencer during lockdown to support and empower those feeling fearful or overwhelmed with their financial situation and focusses her work on creating positive relationship with your money, yourself, and those you love.
Catherine’s bitesize money tips - Instagram
Financial coaching - The Finfluencer
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Financial coaching - Ebb & Flow Financial Coaching
Financial advice - Bree Wealth & Tax
Julie’s inexpert social media antics - Instagram
EPISODE EXPERT
Emily Pool is a Financial Planner and Will Writer and Founder of Happy Planet Financial Planning and is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
______________________________________
BE PART OF THE CAFE
We genuinely love hearing your questions and feedback. So, drop us a voice note hello@womenandmoney.cafe
And come and join the community on Facebook @womenandmoneycafe
We're joined by Lauren as she shares her tips with us and explains some of the jargon you will hear on your house buying journey. What paperwork will you need and how can you financially prepare?
The cost of buying a house: apart from your deposit, the 5 costs you need to factor in and how much £s they cost:
- Solicitor
- Survey
- Mortgage lender
- Mortgage adviser
- Stamp duty
5.22: How much will a solicitor cost and what do they do.
8.32: Do I need a survey? And how much will that cost?
10.11: When your mortgage lender might charge you.
11.47: How much does a mortgage adviser cost?
13.26: What is stamp duty and will I need to pay it?
18.23: How long does it take to buy a house?
21.48: What paperwork do I need to provide to get a mortgage?
27.57: Tips for getting financially ready and why use a mulit-agency credit check
Check My File - multi agency credit check
Guest Expert - Lauren Thomas-ClowesLauren is a mortgage adviser at the award-winning mortgage brokerage, The Mortgage Mum. She is based in the West Midlands but helps people across the country with the whole process being carried out online. She is happy help with whatever your mortgage needs may be, such as moving home, buy-to-lets, self-build mortgages or re-mortgages to name a few, but she especially loves helping first time buyers. Lauren wants to change the face of mortgage advice to show that it’s not as scary as it might seem, and no question is a silly one.
You can email Lauren and get to know her better on instagram
________________________________
INTRODUCING YOUR HOSTS
Catherine Thomas-Humphreys is an independent financial adviser, will writer and certified financial coach.
Catherine works with parents to financially empower them to raise up their family, in particular families undergoing change or complexity including blending, separating, single & co-parenting.
She founded #TheFinfluencer during lockdown to support and empower those feeling fearful or overwhelmed with their financial situation and focusses her work on creating positive relationship with your money, yourself, and those you love.
Catherine’s bitesize money tips - Instagram
Financial coaching - The Finfluencer
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Financial coaching - Ebb & Flow Financial Coaching
Financial advice - Bree Wealth & Tax
Julie’s inexpert social media antics - Instagram
______________________________________
BE PART OF THE CAFE
We genuinely love hearing your questions and feedback. So, drop us a voice note hello@womenandmoney.cafe and come and join the community on Facebook @womenandmoneycafe
I've got £10,000. What should I do with it?Or another amount of money. The point is, we often get asked this. It's usually when find yourself with a lump sum you are not used to having.
Am I doing it right?
In times gone by, you could shop around banks to find a good interest rate. But right now, there are no "good" interest rates. So what do you do?
Julie, Catherine & Michelle are going to talk you through some of the steps to think about. Why Julie thinks Cash ISAs are rubbish. Why Michelle & Catherine think they have their place.
And if you enjoy this, check out episode 11 Demystifying Investments
4.20: Step 1, are you financially healthy
7.28: Where the question comes from
10.11: Step 2, mapping out your plans for the next 3 years
11.32: When not to keep your money in the bank
15.45: What if I don't want to invest because I don't know how to
17.41: If its not the bank, and it's not investing, what else is there?
19.16: First port of call for investing - Individual Savings Account!
27.49: Grab a pen & paper to write your mini financial plan
30.20: The market is falling! Does that mean it's the wrong time to invest?
________________________________
INTRODUCING YOUR HOSTS
Catherine Thomas-Humphreys is an independent financial adviser, will writer and certified financial coach.
Catherine works with parents to financially empower them to raise up their family, in particular families undergoing change or complexity including blending, separating, single & co-parenting.
She founded #TheFinfluencer during lockdown to support and empower those feeling fearful or overwhelmed with their financial situation and focusses her work on creating positive relationship with your money, yourself, and those you love.
Catherine’s bitesize money tips - Instagram
Financial coaching - The Finfluencer
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Financial coaching - Ebb & Flow Financial Coaching
Financial advice - Bree Wealth & Tax
Julie’s inexpert social media antics - Instagram
_________________________________________
EPISODE EXPERT
Michelle Lambell is a Chartered Financial Planner & Certified Financial Coach specialising in retirement planning advice, pensions & investments. Website | Instagram
______________________________________
BE PART OF THE CAFE
We genuinely love hearing your questions and feedback. So, drop us a voice note hello@womenandmoney.cafe
And come and join the community on Facebook @womenandmoneycafe
Pension tax relief, what the f##k is it?Tax relief is one of those phrases that gets thrown around anytime pensions comes up.
You probably know it's the thing that makes pensions soo good for saving in.
But what exactly is tax relief? And how does it work?
Good news! In this episode we are going to walk through exactly how it works if:
- You are a non-tax payer
- You are a basic rate tax payer
- A higher rate tax payer or additional rate tax payer
- A limited company director
- Your company uses salary sacrifice
3.59: An overview of what it is
5.56: I don't pay tax, can I still get relief?
8.49: Tax bands explained
9.37: How it works for basic rate tax payers
11.12: Relief at source method
11.54: Net pay method
16.25: How does it work if I pay higher rate tax?
31.25: Salary sacrifice explained
34.30: How much tax relief can I claim?
35.44: Limited company directors
Here's the link to the template letter for higher rate tax payers to reclaim previous years relief.
________________________________
INTRODUCING YOUR HOSTS
Catherine Thomas-Humphreys is an independent financial adviser, will writer and certified financial coach.
Catherine works with parents to financially empower them to raise up their family, in particular families undergoing change or complexity including blending, separating, single & co-parenting.
She founded #TheFinfluencer during lockdown to support and empower those feeling fearful or overwhelmed with their financial situation and focusses her work on creating positive relationship with your money, yourself, and those you love.
Catherine’s bitesize money tips - Instagram
Financial coaching - The Finfluencer
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Financial coaching - Ebb & Flow Financial Coaching
Financial advice - Bree Wealth & Tax
Julie’s inexpert social media antics - Instagram
_________________________________________
EPISODE EXPERT
Michelle Lambell is a Chartered Financial Planner & Certified Financial Coach specialising in retirement planning advice, pensions & investments. Website | Instagram
______________________________________
BE PART OF THE CAFE
We genuinely love hearing your questions and feedback. So, drop us a voice note hello@womenandmoney.cafe
And come and join the community on Facebook @womenandmoneycafe
On the sofa with Catherine & JulieWe tend to focus on giving out as much useful information as possible.
But we thought it might be helpful to know a little more about us after someone contacted Julie and wasn't sure she had the right person.
So we decided to interview each other. It went better than expected!
Catherine is the will writer and financial coach who specialises in family finance and conscious money choices.
Julie is the one who works with widows and women who have lost their partner. She's also the one that talks about financial advice fees and works with advisers to support them in charging meaningful fees.
If you have questions you would like to ask us, send us a voice note to hello@womenandmoney.cafe
And while we both have our area of expertise, we have a wider community of financial advisers and experts who support us. There isn't a money question we won't have the answer to. So, ask us anything!
3.24 How did it all begin, and why?
7.54 3 words that sum up what the Cafe is all about
13.34 Top tip on what to ask a financial adviser
15.04 Julie is the one that works with women who have lost their partner
16.25 Julie talks about why and how she works with widows
19.35 Why Julie talks a lot about financial advice fees
24.26 Catherine is the family finance expert
27.11 Why Catherine is so passionate about helping families with money
34.30 Catherine's super power of conscious money choices
44.34 If you didn't already know, we explain why we're always sitting on a sofa
________________________________
INTRODUCING YOUR HOSTS
Catherine Thomas-Humphreys is an independent financial adviser, will writer and certified financial coach.
Catherine works with parents to financially empower them so their money supports their family in the way they want, in particular families undergoing change.
She founded #TheFinfluencer and focusses her work on consciously creating positive relationships with your money, yourself, and those you love so you can enjoy your family and money, guilt free.
Catherine’s bitesize money tips - Instagram
Financial coaching - The Finfluencer
Money Membership - Money Coach in your Pocket
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Financial coaching - Ebb & Flow Financial Coaching
Financial advice - Bree Wealth & Tax
Julie’s inexpert social media antics - Instagram
BE PART OF THE CAFE
We genuinely love hearing your questions and feedback. So, drop us a voice note hello@womenandmoney.cafe
And come and join the community on Facebook @womenandmoneycafe
Joined by Amanda Taylor to talk about her book, Inspirational Investing. We discuss the importance of having female investing role models. The book has brought together the leading female voices to guide you through investing. Such as Iona Bain, Dr Ylva Baeckstrom & Holly Mackay.
Competition:
Thanks to publisher Harriman House we have 3 copies of the book to give away. All you need to do is either leave a review for the podcast, or tag us on instagram @womenandmoneycafe
5.59: who contributed to the book and their expertise
7.25: why the book was written intentionally for women
9.31: are women born lacking in confidence when it comes to investing?
14.19: do we approach investing differently if we're talking to a man vs a woman?
20.04: what is a behavioural bias, and how does it affect our investment decisions?
21.54: the BEAM app gamifies understanding your approach to investing and money.
26.13: does the gender of a financial adviser matter?
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Guest Expert
We were joined this week by Amanda Taylor celebrating International Women's Day with the publication of her book Inspirational Investing, What Matters in the World of Investing - by Women, For Women
Available from Amazon and Harriman House
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INTRODUCING YOUR HOSTS
Catherine Thomas-Humphreys is an independent financial adviser, will writer and certified financial coach.
Catherine works with parents to financially empower them to raise up their family, in particular families undergoing change or complexity including blending, separating, single & co-parenting.
She founded #TheFinfluencer during lockdown to support and empower those feeling fearful or overwhelmed with their financial situation and focusses her work on creating positive relationship with your money, yourself, and those you love.
Catherine’s bitesize money tips - Instagram
Financial coaching - The Finfluencer
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Financial coaching - Ebb & Flow Financial Coaching
Financial advice - Bree Wealth & Tax
Julie’s inexpert social media antics - Instagram
EPISODE EXPERT
Emily Pool is a Financial Planner and Will Writer and Founder of Happy Planet Financial Planning
BE PART OF THE CAFEWe genuinely love hearing your questions and feedback. So, drop us a voice note hello@womenandmoney.cafe & come and join the community on Facebook @womenandmoneycafe
Asking for a pay rise.We recorded this the same week the Bank of England said we shouldn't be asking for big pay rises.
As you can imagine, we took that as a green light to:
- Share tips on how to prepare to ask for more money
- How to handle the conversation
- What to do if you get a No
Be sure to listen to the end where we drop a bombshell that’s going to shock you.
We had lots of messages from you preparing for this episode, and we've done our best to answer all the questions you sent in.
Key talking points:
5.00 Some stats on who has asked for a pay rise, who is going to, and what success you've had.
7.36 Still doing the same job you were hired for, can you ask for more?
9.53 Preparing in advance for the conversation.
15.32 Drip feeding information & taking the emotion out of the conversation.
22.18 When you know one of your peers is being paid more than you.
25.00 Why this isn't just a conversation about money today.
27.30 How to ask colleagues about their pay.
32.34 Grounding yourself before asking for more money.
35.42 If they say no, then what?
46.38 Bombshell reframing of what it means to be underpaid.
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INTRODUCING YOUR HOSTS
Catherine Thomas-Humphreys is an independent financial adviser, will writer and certified financial coach.
Catherine works with parents to financially empower them to raise up their family, in particular families undergoing change or complexity including blending, separating, single & co-parenting.
She founded #TheFinfluencer during lockdown to support and empower those feeling fearful or overwhelmed with their financial situation and focusses her work on creating positive relationship with your money, yourself, and those you love.
Catherine’s bitesize money tips - Instagram
Financial coaching - The Finfluencer
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Financial coaching - Ebb & Flow Financial Coaching
Financial advice - Bree Wealth & Tax
Julie’s inexpert social media antics - Instagram
BE PART OF THE CAFE
We genuinely love hearing your questions and feedback. So, drop us a voice note hello@womenandmoney.cafe
And come and join the community on Facebook @womenandmoneycafe
In this episode we are joined by Carol Deveney. Carol was a regular in our Clubhouse days. Carol talks so much sense about money, about business and just about anything. Carol has a super power, which she's going to share with you: helping entrepreneurs work with corporates.
Even if you don't think this is relevant to you, have a listen. Because that's what Julie thought. Now, thanks to Carol's advice, she has a corporate speaking gig, and lots more.
5.59 Carol explains how she started helping people do what she does
8.01 How women's day rates differ to men's
10.26 Having no shame about saying how much you charge
13.14 How to break through a self imposed earnings cap
17.38 Upper and lower comfort levels of earnings
22.07 How Carol's business degree & post grad helped her become an outstanding leader
28.57 Why family and friends are not always the best people to talk to about your business
37.18 Where to get more on how to start working with corporates
GUEST EXPERTCarol Deveneny runs a group for entrepreneurs who would like to learn how to sell their products or services to corporate organisations or businesses.
Carol Deveney is an entrepreneur who owns a successful consulting business selling to some of the biggest corporates across 3 continents. She also helps entrepreneurs who would like to learn how to sell their products or services to corporate organisations or businesses.
Entrepreneurs getting into corporatehttps://www.instagram.com/caroldeveney_/_________________________________________________________________________________
INTRODUCING YOUR HOSTS
Catherine Thomas-Humphreys is an independent financial adviser, will writer and certified financial coach.
Catherine works with parents to financially empower them to raise up their family, in particular families undergoing change or complexity including blending, separating, single & co-parenting.
She founded #TheFinfluencer during lockdown to support and empower those feeling fearful or overwhelmed with their financial situation and focusses her work on creating positive relationship with your money, yourself, and those you love.
Catherine’s bitesize money tips - Instagram
Financial coaching - The Finfluencer
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Financial coaching - Ebb & Flow Financial Coaching
Financial advice - Bree Wealth & Tax
Julie’s inexpert social media antics - Instagram
BE PART OF THE CAFE
We genuinely love hearing your questions and feedback. So, drop us a voice note hello@womenandmoney.cafe and come and join the community on Facebook
Are there parallels between how we manage our money and how we manage our relationships? What about the challenges of being an over giver? And how to negotiate first dates, setting financial boundaries.
These are just some of the things we are going to talk about in this episode with our guest expert, singles coach, Libby Sibbert.
03:45 Libby talks about career coaching and how women can have it all
07:23 how dating methods resonate with financial coaching
08:09 over giving showing up in dating and how to manage it
09:32 how time and money over giving impact your relationships
14:22 how to recognise and manage over giving in a new relationship
16:08 when and how to talk about money in a new relationship
21:47 how to manage that first date
GUEST EXPERT
At 36, Libby found herself moving back in with her parents. Another bad breakup. Her biological clock was ticking. So, she took a sabbatical from Hedge Fund Sales. She needed an answer to the question, “How do I find Mr Right?”.
The lessons she learned on her journey led her to develop a fool proof method for finding love. After putting that method into practice, she met her husband. She now teaches her fool-proof and highly successful method in her course: Love, Factually. https://libbysibbert.kartra.com/page/LoveFactually
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INTRODUCING YOUR HOSTS
Catherine Thomas-Humphreys is an independent financial adviser, will writer and certified financial coach.
Catherine works with parents to financially empower them to raise up their family, in particular families undergoing change or complexity including blending, separating, single & co-parenting.
She founded #TheFinfluencer during lockdown to support and empower those feeling fearful or overwhelmed with their financial situation and focusses her work on creating positive relationship with your money, yourself, and those you love.
Catherine’s bitesize money tips - Instagram
Financial coaching - The Finfluencer
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Financial coaching - Ebb & Flow Financial Coaching
Financial advice - Bree Wealth & Tax
Julie’s inexpert social media antics - Instagram
EPISODE EXPERT
Emily Pool is a Financial Planner and Will Writer and Founder of Happy Planet Financial Planning and is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
BE PART OF THE CAFE
We genuinely love hearing your questions and feedback. So, drop us a voice note hello@womenandmoney.cafe
And come and join the community on Facebook @womenandmoneycafe<<!--
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Pensions 101
One of the things that we get asked a lot about is pensions, should I have one? How do I get one? Are they any good?
In this episode we’ll answer these questions and more. Including Michelle’s brilliant way of explaining pensions via Quality Street.
Much gets made of tax when talking about pensions, and in this episode we will give you all of the information you need to understand how pensions can help you lower your tax bill, retire early, and get the more money from your employer.
06.28 The magic that happens when you put £100 in a pension
08.02 Old fashioned Women & Money Cafe hand grenade moment
17.21 Bridging the gap between when you want to retire & when your state pension begins
20.41 Insight on how to mentally approach your retirement savings
25.37 Top tip on how to get exponential growth on your pension
RESOURCESGuide to State Pension for Widows
Is My Pension Enough for Retirement
Your Pension Questions Answered
Aviva Retirement Calculator
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INTRODUCING YOUR HOSTS
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
She uses her years of experience and research to support women experiencing or planning significant change in their lives.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Financial coaching - Ebb & Flow Financial Coaching
Financial advice - Bree Wealth & Tax
Julie’s inexpert social media antics - Instagram
Catherine Thomas-Humphreys is an independent financial adviser, will writer and certified financial coach.
Catherine works with parents to financially empower them to raise up their family, in particular families undergoing change or complexity including blending, separating, single & co-parenting.
She founded #TheFinfluencer during lockdown to support and empower those feeling fearful or overwhelmed with their financial situation and focusses her work on creating positive relationship with your money, yourself, and those you love.
Catherine’s bitesize money tips - Instagram
Financial coaching - The Finfluencer
EPISODE EXPERT
Michelle Lambell is a Chartered Financial Planner & Certified Financial Coach specialising in retirement planning advice, pensions & investments. Website | Instagram
BE PART OF THE CAFE
We genuinely love hearing your questions and feedback. So, drop us a voice note or message hello@womenandmoney.cafe
And come and join the community on Facebook @womenandmoneycafe
www.womenandmoney.cafe
In answer to some of our listeners questions we broached the topic of Protection. What is it? What's the difference between life insurance and life assurance? How can you use insurance to protect your wealth for your family, whether that's your household income or the investments you build up over time
Your hosts today were money experts Julie Flynn and Catherine Thomas Humphreys and they were joined by café regular Michelle Lambell.
Julie is an independent financial planner and certified financial coach. Years of qualifications and research have led Julie to have a unique understanding of how our brains behave under stress, and how this impacts on our financial decision making and well-being.
Julie works with women experiencing or planning significant change in their lives. She founded Ebb & Flow Financial Coaching last year, where she focusses on her work with women who have lost their partner. She also coaches women wanting to change how they charge for their services. Website | Instagram
Catherine is an independent financial adviser, will writer and certified financial coach.
Catherine works with parents to financially empower them to raise up their family, in particular families undergoing change or complexity including blending, separating, single & co-parenting.
She founded #TheFinfluencer during lockdown to support and empower those feeling fearful or overwhelmed with their financial situation and focusses her work on creating positive relationship with your money, yourself and those you love. Website | Instagram
_Michelle is a Chartered Financial Planner & Certified Financial Coach specialising in retirement planning advice, pensions & investments. Website | Instagram
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We’d love to hear your thoughts on today’s episode and any questions you have.
You can send us a message or voice note to hello@womenandmoney.cafe
Join the community on Facebook @womenandmoneycafe www.womenandmoney.cafe
Building on from Episode 3 all about What is a Will and why you should have one, your women and money café experts got together on the sofa to discuss some of the challenges & talking points with how and when to broach leaving a family legacy.
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Your hosts today were money experts Catherine Thomas Humphreys and Julie Flynn and were joined by Café experts Emily Pool and Michelle Lambell.
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Catherine is an independent financial adviser, will writer and certified financial coach.
Catherine works with parents to financially empower them to raise up their family, in particular families undergoing change or complexity including blending, separating, single & co-parenting.
She founded #TheFinfluencer during lockdown to support and empower those feeling fearful or overwhelmed with their financial situation and focusses her work on creating positive relationship with your money, yourself and those you love. Website | Instagram
Julie is an independent financial adviser and certified financial coach.
She has spent years researching and learning how our brains behave under stress.
Julie uses her experience to understand how this impacts our financial decision making.
Julie works with women experiencing or planning significant change in their lives.
Julie specialises in working with women who have lost their partner.
She also coaches women wanting to change how they charge for their services. Website | Instagram
Emily is a Financial Planner and Will Writer and Founder of Happy Planet Financial Planning and is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle started her career in financial services as a Stockbroker in 1999 undertaking both
advisory and discretionary investment management. Following a career break where she spent time being a mum and running an arts and crafts business, Michelle returned to
financial services in 2013 undertaking further study.
Today she is a Chartered Financial
Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Michelle has a passion for providing financial advice, guidance and education to everyone, regardless of their gender, age or current circumstances.
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We’d love to hear your thoughts on today’s episode and any questions you have.
You can send us a message or voice note to hello@womenandmoney.cafe
Join the community on Facebook @womenandmoneycafe www.womenandmoney.cafe
Women make better investors, there we said it. There are some studies showing this, we didn't just make it up yet despite our investors success many of us still feel overwhelmed, mystified or afraid to invest. In this episode your hosts and café experts demystify some of those investment myths to help you confidently step forward and begin investing for yourself and your future.
Your hosts today were money experts Catherine Thomas Humphreys and Julie Flynn
They were joined by Café expert Tsitsi Mutiti
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Catherine is an independent financial adviser, will writer and certified financial coach.
Catherine works with parents to financially empower them to raise up their family, in particular families undergoing change or complexity including blending, separating, single & co-parenting.
She founded #TheFinfluencer during lockdown to support and empower those feeling fearful or overwhelmed with their financial situation and focusses her work on creating positive relationship with your money, yourself and those you love. Website | Instagram
Julie is an independent financial planner and certified financial coach. Years of qualifications and research have led Julie to have a unique understanding of how our brains behave under stress, and how this impacts on our financial decision making and well-being.
Julie works with women experiencing or planning significant change in their lives. She founded Ebb & Flow Financial Coaching last year, where she focusses on her work with women who have lost their partner. She also coaches women wanting to change how they charge for their services. Website | Instagram
Tsitsi is an award-winning Investment Manager, Certified Financial Coach and the host of The Wealth Conversation Podcast. Website | Instagram
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We’d love to hear your thoughts on today’s episode and any questions you have.
You can send us a message or voice note to hello@womenandmoney.cafe
Join the community on Facebook @womenandmoneycafe www.womenandmoney.cafe
Happy New Year! Is buying a first home, investment property or re-mortgaging on your list of 2022 money goals? If so, our mortgage powerhouse Jennifer Greer joined us in the Café to answer all those Mortgage questions.
Jennifer Greer is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
Jennifer removes the uncertainty of buying your dream home and once you are a client of hers you are a client for life.
Instagram @athenamortgages
Website: www.athenamortgages.co.uk
Your hosts today were money experts Julie Flynn and Catherine Thomas Humphreys
Julie is an independent financial planner and certified financial coach. Years of qualifications and research have led Julie to have a unique understanding of how our brains behave under stress, and how this impacts on our financial decision making and well-being.
Julie works with women experiencing or planning significant change in their lives. She founded Ebb & Flow Financial Coaching last year, where she focusses on her work with women who have lost their partner. She also coaches women wanting to change how they charge for their services. Website | Instagram
Catherine is an independent financial adviser, will writer and certified financial coach.
Catherine works with parents to financially empower them to raise up their family, in particular families undergoing change or complexity including blending, separating, single & co-parenting.
She founded #TheFinfluencer during lockdown to support and empower those feeling fearful or overwhelmed with their financial situation and focusses her work on creating positive relationship with your money, yourself and those you love. Website | Instagram
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We’d love to hear your thoughts on today’s episode and any questions you have.
You can send us a message or voice note to hello@womenandmoney.cafe
Join the community on Facebook @womenandmoneycafe www.womenandmoney.cafe
In this our New Year Episode we were delighted to be joined on the sofa by the amazing Jacci Jones chatting all things thoughts, new year and imposter syndrome.
- The connections between our thoughts and what happens in real life
- Imposter Syndrome as we head back to work after the Christmas break.
- Getting curious about why we are thinking what we're thinking
- and of course New Years resolutions, are they a positive or a complete waster of time and how we could frame the new year instead
Jacci Jones is a Qualified Psychotherapist specialising in working with individuals, families and parents to understand how thoughts create feelings that often lead to stress and anxiety.Jacci is a qualified Psychotherapist and nursery nurse specialising in helping families and parents understand how thoughts can impact our reality through Transactional Analysis, NLP and ‘The 3 Principles’ practices. Jacci has over 30 years experience working with parents and families. She was a foster carer for 13 years mainly fostering high risk children with severe behaviour problems which is what began her journey into Psychotherapy. She now runs a successful Psychotherapy practice from her home in Coppull, Lancashire, 2 websites (jaccijones.co.uk, parent-plus.co.uk) a podcast (Living life being Human) as well as social media and Youtube channels supporting families, parents and individuals.
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Your hosts today were money experts Catherine Thomas Humphreys and Julie Flynn and were joined by Café expert Emily Pool
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Catherine is an independent financial adviser, will writer and certified financial coach.
Catherine works with parents to financially empower them to raise up their family, in particular families undergoing change or complexity including blending, separating, single & co-parenting.
She founded #TheFinfluencer during lockdown to support and empower those feeling fearful or overwhelmed with their financial situation and focusses her work on creating positive relationship with your money, yourself and those you love. Website | Instagram
Julie is an independent financial planner and certified financial coach. Years of qualifications and research have led Julie to have a unique understanding of how our brains behave under stress, and how this impacts on our financial decision making and well-being.
Julie works with women experiencing or planning significant change in their lives. She founded Ebb & Flow Financial Coaching last year, where she focusses on her work with women who have lost their partner. She also coaches women wanting to change how they charge for their services. Website | Instagram
Emily is a Financial Planner and Will Writer and Founder of Happy Planet Financial Planning and is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values
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We’d love to hear your thoughts on today’s episode and any questions you have. You can send us a me
We revisited in this Episode one of our Clubhouse favourites - Intentionality!
We explored what getting intentional with your money means and looks like, the importance of having Purpose with all of your money whether spending, saving or investing and the impact thee intentions can have in your financial success.
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Your hosts today were money experts Catherine Thomas Humphreys and Julie Flynn and were joined by Café experts Emily Pool & Tsitsi Mutiti
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Catherine is an independent financial adviser, will writer and certified financial coach.
Catherine works with parents to financially empower them to raise up their family, in particular families undergoing change or complexity including blending, separating, single & co-parenting.
She founded #TheFinfluencer during lockdown to support and empower those feeling fearful or overwhelmed with their financial situation and focusses her work on creating positive relationship with your money, yourself and those you love. Website | Instagram
Julie is an independent financial planner and certified financial coach. Years of qualifications and research have led Julie to have a unique understanding of how our brains behave under stress, and how this impacts on our financial decision making and well-being.
Julie works with women experiencing or planning significant change in their lives. She founded Ebb & Flow Financial Coaching last year, where she focusses on her work with women who have lost their partner. She also coaches women wanting to change how they charge for their services. Website | Instagram
Emily is a Financial Planner and Will Writer and Founder of Happy Planet Financial Planning and is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values
Tsitsi is an award-winning Investment Manager, Certified Financial Coach and the host of The Wealth Conversation Podcast.
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We’d love to hear your thoughts on today’s episode and any questions you have.
You can send us a message or voice note to hello@womenandmoney.cafe
Join the community on Facebook @womenandmoneycafe www.womenandmoney.cafe
This week - our Christmas Special - we were joined on the café sofa by "Enoughness Expert" Emma Gosling
We chatted through the idea of being wealthy and worthy and how Emma thinks we as women, especially at the festive season, can make sure we're not over-giving and placing ourselves on our own Christmas list.
Emma Gosling has 15 years combined experience as a Clinical Hypnotherapist, Money Mindset & Enoughness Expert, Teacher, Advanced Transformational Therapist and PSYCH-K® Facilitator, I am compassionate, empathetic and sensitive to your story or what has made you the person you are today (AKA who you believe you are).
She can be contacted via her website FeelGoodEnough or follow her on Instagram for more wealth, worth and wisdom
Your hosts were Catherine Thomas Humphreys and Julie Flynn
They were joined by Café expert Emily Pool
We’d love to hear your thoughts on today’s episode and any questions you have. You can send us a message or voice note to hello@womenandmoney.cafe Julie & Catherine read/listen to every message.
Join the community on Facebook @womenandmoneycafe
www.womenandmoney.cafe
We shared some of our listeners Christmas Money Confessions and put these festive misdemeanours to our panel for their thoughts and own confessions!
Find out who's hiding last years Christmas jumper in the wardrobe, what one gift would make one of experts year and what to really do with those unwanted (or accidently purchased) Christmas gifts
We'd love to know your Christmas confessions so get in touch with us if you'd like to (anonymously!) share!
Your hosts were Julie Flynn and Catherine Thomas Humphreys
They were joined by Café experts Michelle Lambell & Tsitsi Mutiti
We’d love to hear your thoughts on today’s episode and any questions you have. You can send us a message or voice note to hello@womenandmoney.cafe Julie & Catherine read/listen to every message.
Join the community on Facebook @womenandmoneycafe
www.womenandmoney.cafe
In this Episode we breakdown and de-mystify the myriad of Financial Services roles so you can determine and decide who is the right person for you to work with.
We covered
- What are the differences, if any, between financial advisers, planners and coaches
- How restricted advice differs from independent
- Tsitsi shares her analogy for a wealth or investment manager
- And how these roles, regulated or otherwise, can fit together so you gain most
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Your hosts today were money experts Catherine Thomas Humphreys and Julie Flynn
They were joined by Café experts Michelle Lambell & Tsitsi Mutiti
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Catherine is an independent financial adviser, will writer and certified financial coach.
Catherine works with parents to financially empower them to raise up their family, in particular families undergoing change or complexity including blending, separating, single & co-parenting.
She founded #TheFinfluencer during lockdown to support and empower those feeling fearful or overwhelmed with their financial situation and focusses her work on creating positive relationship with your money, yourself and those you love. Website | Instagram
Julie is an independent financial planner and certified financial coach. Years of qualifications and research have led Julie to have a unique understanding of how our brains behave under stress, and how this impacts on our financial decision making and well-being.
Julie works with women experiencing or planning significant change in their lives. She founded Ebb & Flow Financial Coaching last year, where she focusses on her work with women who have lost their partner. She also coaches women wanting to change how they charge for their services. Website | Instagram
Tsitsi is an award-winning Investment Manager, Certified Financial Coach and the host of The Wealth Conversation Podcast. Website | Instagram
Michelle is a Chartered Financial Planner & Certified Financial Coach specialising in retirement planning advice, pensions & investments. Website | Instagram
______________________________________________________________
We’d love to hear your thoughts on today’s episode and any questions you have.
You can send us a message or voice note to hello@womenandmoney.cafe
Join the community on Facebook @womenandmoneycafe www.womenandmoney.cafe
It’s that most wonderful time of the year, or is it? Christmas brings with it its own moral money maze! Who better than your team of financial coaches & advisers to chat through some of the most common Christmas money dilemmas.
Listen for Catherine’s handy reminder of the person you might have forgotten in all of the festive build-up. And Emily brings a sense of perspective to the spending.
- Navigating gift giving when you have different resources.
- Lessons from a first Christmas as separation.
- Boundaries around present buying, and is it ok to break the rules?
- Breaking with traditions - those Xmas family patterns you no longer enjoy.
Your hosts were Julie Flynn and Catherine Thomas Humphreys.
They were joined by Café experts Michelle Lambell and Emily Pool.
We’d love to hear your thoughts on today’s episode and any questions you have. You can send us a message or voice note to hello@womenandmoney.cafe Julie & Catherine read/listen to every message.
Join the community on Facebook @womenandmoneycafe
www.womenandmoney.cafe
In this Episode we are talking Wills and Why they are so important and as always they are not (just) about the money! This simple but powerful document can go so far to protect your family, especially with young children or where relationships have come and gone and Family has changed.
We chatted about:
- Ways to protect your Family home with a Will
- Intestacy and why its as scary as it sounds
- Who can help you with a Will
- The important people you need involved in your Will including Guardians for children
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Your hosts today were money experts Julie Flynn and Catherine Thomas Humphreys and were joined by Café expert Emily Pool
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Julie is an independent financial planner and certified financial coach. Years of qualifications and research have led Julie to have a unique understanding of how our brains behave under stress, and how this impacts on our financial decision making and well-being.
Julie works with women experiencing or planning significant change in their lives. She founded Ebb & Flow Financial Coaching last year, where she focusses on her work with women who have lost their partner. She also coaches women wanting to change how they charge for their services. Website | Instagram
Catherine is an independent financial adviser, will writer and certified financial coach.
Catherine works with parents to financially empower them to raise up their family, in particular families undergoing change or complexity including blending, separating, single & co-parenting.
She founded #TheFinfluencer during lockdown to support and empower those feeling fearful or overwhelmed with their financial situation and focusses her work on creating positive relationship with your money, yourself and those you love. Website | Instagram
Emily is a Financial Planner and Will Writer and Founder of Happy Planet Financial Planning and is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values
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We’d love to hear your thoughts on today’s episode and any questions you have. You can send us a me
In today's episode, we'll be introducing the Christmas Challenge initially set in our Facebook Community.
We've got plenty of tips on how to make extra £s on the run up to Christmas and an update on where we're at so far with our money-making efforts.
We also have some rather snazzy suggestions about how you could well be entitled to some extra money that you maybe don't know about...
Your hosts were Catherine Thomas Humphreys and Julie Flynn
We’d love to hear your thoughts on today’s episode and any questions you have. You can send us a message or voice note to hello@womenandmoney.cafe Julie & Catherine read/listen to every message.
Join the community on Facebook @womenandmoneycafe or find more out at The Women and Money Cafe
Julie Flynn - EbbandFlow
Catherine Thomas-Humphreys - TheFinfluencer
Introduction to the Women and Money Podcast.
In this Episode your co-hosts Catherine Thomas-Humphreys and Julie Flynn introduce themselves and the Women and Money Cafe Podcast with a potted history of its history from Clubhouse to here and the growing online community its building for Women.
We aim to bring some fun back into finance, provide a safe community for Women to feel empowered with money by demystifying money and sharing our wealth of knowledge and advice.
Your hosts today were money experts Julie Flynn and Catherine Thomas Humphreys
We are regularly joined by our team of Female Finance Experts Michelle Lambell, Tsitsi Mutiti and Emily Pool.
Julie is an independent financial planner and certified financial coach. Years of qualifications and research have led Julie to have a unique understanding of how our brains behave under stress, and how this impacts on our financial decision making and well-being.
Julie works with women experiencing or planning significant change in their lives. She founded Ebb & Flow Financial Coaching last year, where she focusses on her work with women who have lost their partner. She also coaches women wanting to change how they charge for their services. Website | Instagram
Catherine is an independent financial adviser, will writer and certified financial coach.
Catherine works with parents to financially empower them to raise up their family, in particular families undergoing change or complexity including blending, separating, single & co-parenting.
She founded #TheFinfluencer during lockdown to support and empower those feeling fearful or overwhelmed with their financial situation and focusses her work on creating positive relationship with your money, yourself and those you love. Website | Instagram
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