In this episode, we explore the reasons why high-paid contract workers still face financial problems despite earning more money. We discuss the common misconceptions surrounding contracting and offer practical solutions for those struggling with their finances. Tune in to learn how to take control of your financial future as a contract worker.

Join Cashflow Contractor - my 3 month financial coaching program - to learn how to manage your finances, become debt-free  and save 6-12 months emergency fund to navigate low-income periods as a new contract worker. 

Send me a DM to my Istagram account 'Boss Of My Money' with the words 'CASHFLOW CONTRACTOR to apply today!

The episode is about my personal journey of transitioning from a full-time employee to a contract worker. I share my experience, lessons learned, and challenges I faced during the transition process. 

Here are the key points discussed in the episode:

1. The reasons why I transitioned from a full-time employee to a contract worker.

2. The differences between a full-time employee, a contract worker, and a freelancer.

3. The biggest challenge for contract workers is financial stability due to the unpredictability of contracts and unstable income. 

4. The lessons I learnt as a new contract worker that every new contract worker should take on board. 

Join Cashflow Contractor - my 3 month coaching program - to learn how to manage your finances, become debt-free  and save 6-12 months emergency fund to navigate low-income periods as a new contract worker. 

Send me a DM to my Istagram account 'Boss Of My Money' with the words 'CASHFLOW CONTRACTOR to apply today!

In this episode, we talk to financial coach New Chinchin about achieving carefree financial independence. Born and raised in Singapore, New Chinchin has over 20 years of experience as a successful entrepreneur and author of 4 books on money management.

We discuss:

• Her background and how she became interested in financial independence
• The importance of balance between hard work and enjoying the fruits of your labour
• Common misconceptions about achieving financial independence
• Strategies for overcoming fear and staying patient on the journey towards financial independence

And much more

Tune in to learn more about achieving carefree financial independence and building wealth.

To connect with New ChinChin follow her on LinkedIn: Linkedin https://www.linkedin.com/in/newchinchin/ and visit her webiste: https://newchinchin.coach/

I am excited to announce my new 90-day Cashflow Management Coaching programme specifically designed for full-time employees switching to contracting. Through this program, you will learn how to take control of your finances with money management strategies and budgeting and cashflow management techniques. I will provide expert guidance on insurance benefits, debt management, savings, investing, and tax planning, all to help you achieve financial stability and freedom. I am so excited about this program because I have seen firsthand the impact it can have on people's lives. By being intentional with your money management, you can reduce debt, save more, and build a solid foundation for your income. And as a new contract worker, it is more important than ever to establish these practices early on. So, keep an eye out for more information on this new program, and I hope you will join us on this journey to financial stability and freedom as a contract worker.

Today we have a podcast guest, Dr. Fola Dandare from Blossom Ladies Brunch. Dr. Fola is a career development expert who is passionate about helping young people and women build successful careers and businesses.

In today's episode, Dr. Fola and I discussed the topic of "How To Be Intentional About Your Career In 2023 With Dr Fola Dandare"

She shared her insights on:

1. The current job market and how to search for jobs with high-income
2. The challenges and trends currently facing the job market, such as quiet quitting, company culture, and competitive salary.
3. The skills and qualifications that employers are looking for.
4. How to tailor your skills and experiences to fit the job market.
5. Tips and advice on networking and making connections.
6. What graduates can do to secure their first high-paying jobs straight from uni.

And more.....

Dr. Fola also has an upcoming virtual Career Conference on Saturday 28th, January 2023, where she will be sharing more information on how to start high on the job pay scale so that you have fewer steps to climb for a high income. If you're interested in learning more about this event and how you can join, register now! HERE >> https://bit.ly/3HohYIM

You can also find Dr. Fola on Instagram

And visit her webiste: https://www.blossomladiesbrunch.co.uk/ 

Thank you tuning in and share this podcast with your friends and family!

Are you running out of money before the month ends? Here's why! - Spending more than you earn - Money leaks - Unhealthy money boundaries - Use of credit cards as a second income stream Listen to the full epsiode to learn exactly how this could be hurting your finances. The only way to experience real change is through consistent action and this is what I can help you with. Scheduel a 1:1 financial coaching where we will develop a plan of action needed to generate more cashflow, finally become debt-free, and work on your financial goals.

Everything you need to know about the financial planning workshop and why you should attend. It's on New Year's Eve! Saturday 31st December 2 pm to 3 pm UK TIME It's only £20. This will be the best £20 you've spent in 2022 Still, doing your last-minute Christmas shopping? Why not gift a friend or family member by gifting them the workshop Register at estherbangura.com/workshop or DM on Instagram to ask any questions or need help with registering. I can't wait to help you create your financial plan for 2023!

As we're nearing the end of the year, it's easy to look back and feel like a failure when it comes to your finances. Maybe you're not where your peers are. Or maybe you aren't able to buy the things you thought you would have at your age? If this is you, you're not alone. And although we don't admit it. There are times when the feeling of failure creeps in.

Knowing how to overcome failure is key to making you not feel stuck in unaccomplished land. In today's episode, I share: 1) Examples of feeling like a failure

2) 4 reason that contribute to the feeling of failure

P.S. Register for the Financial Planning Workshop 

Many people are taking stock of their budgets, savings, and year-end savings objectives as the year draws to a close.

If you feel overwhelmed by the thought of being behind in your finances then this podcast episode is just for you. 

Insufficient funds are not the only cause of financial difficulties; lack of savings, discipline, and so on are other common contributors. In today's episode, I will share some advice on how to stop worrying about money and start taking control of your financial situation for good.

You don’t want to miss:

• Reasons why people fall behind in their finances
• 5 steps to feel better about your finances
• A special announcement!!

Make sure you hit SUBSCRIBE so you don’t miss out on any of my content marketing lessons, coming up soon.

And, if you enjoyed this episode, please leave me a rating and a review? Thanks!

There are so many feelings including regret, shame, or difficulty when reflecting on past mistakes. However, you may learn a lot from your mistakes and use them to guide your future actions.

In today's episode, we will talk about how you can build your future on the solid ground of your previous experiences. The ability to move forward in life often requires you to review past moments. It’s not easy, but learning from your history and your past is essential for success. 

You don’t want to miss:

• How understanding your past can set you up for a successful future
• Why an end-of-year review is beneficial
• A special announcement!

Make sure you hit SUBSCRIBE so you don’t miss out on any of my content on personal finance.

And, if you enjoyed this episode, please leave me a rating and a review. Thanks!