Ready to embark on a thrilling journey with us? We're back from our sabbatical, armed with riveting conversations about business and finance, and the latest giveaways you won't want to miss. We reminisce about personal experiences, including a recently attended wedding and touch on the new visa requirements for non-European travelers. As we dip our toes back into the podcasting world, we also discuss a heartwarming family show on Channel 4.

Ever wondered how a cruise with the Good, Bad, and Rugby Boys would be? We spill the beans on that, and engage in some light-hearted banter about the highs and lows of golf, body weight exercises, and our recent office move. Fair warning though, our carpet woes might tickle your funny bones as we lay out the saga of the never-ending carpet issue.

But it's not all laughs and lighter moments. We venture into the serious territory of financial planning, specifically retirement. The landscape of retirement is morphing, and we share our concerns about inadequate savings, the impact of inflation, the growing wealth gap, and the challenges of acquiring property today. We further delve into the intricacies of finance like finding the right loan rates. So, join us as we unravel these complex issues and remember, being informed is being empowered.

Free budgeting spreadsheet below.

Stay well, stay motivated and most of all stay educated.

https://www.sanfp.co.uk/

Recording Equipment

📘 Our Book

🎙 Podfollow

❓ Also want to see how you'd score on our mortgage preparedness questionnaire click here

🏠 The mortgage Course

📰 Budgeting Spreadsheet

I hope you guys enjoy this podcast and find it helpful. If you love this podcast, please be sure to check out our videos on our youtube channel. Please make sure to like and subscribe to our channel for more videos and ring the notification bell 🔔 so you can be notified of all future content. Don’t forget to share with your friends and family. I would love to hear your opinions, so comment down below. Thank you for watching.

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Link: https://youtu.be/ojizsp5YfuQ

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...

Gareth and Shane talk about the growing cost of living and how that maybe effecting peoples financial decisions or lack of decisions made around it. How the lack of education on personal finance and growing inaccessibility to professional advice is causing people to rely on unregulated advisors and what problems that could cause. Also the misunderstanding of Saving vs Investing.

Free budgeting spreadsheet below.

Stay well, stay motivated and most of all stay educated.

Instagram Gareths

Recording Equipment

📘 Our Book

🎙 Podfollow

❓ Also want to see how you'd score on our mortgage preparedness questionnaire click here

🏠 The mortgage Course

📰 Budgeting Spreadsheet

I hope you guys enjoy this video and find it helpful. If you love this video, please be sure to check out our other videos. Please make sure to like and subscribe to our channel for more videos and ring the notification bell 🔔 so you can be notified of all future content. Don’t forget to share with your friends and family. I would love to hear your opinions, so comment down below. Thank you for watching.

👉Subscribe Here 

Suggested Videos:
✅ Work Place Pension:
Link: https://youtu.be/ojizsp5YfuQ

✅ Priorities, Pension Or Amazon:
Link: https://youtu.be/07muaDOcBW8

✅ The Importance Of Pensions:
Link: https://youtu.be/XvOF_jEHdaI

Free budgeting spreadsheet below.

Stay well, stay motivated and most of all stay educated.

https://www.sanfp.co.uk/

Recording Equipment

📘 Our Book

🎙 Podfollow

❓ Also want to see how you'd score on our mortgage preparedness questionnaire click here

🏠 The mortgage Course

📰 Budgeting Spreadsheet

I hope you guys enjoy this podcast and find it helpful. If you love this podcast, please be sure to check out our videos on our youtube channel. Please make sure to like and subscribe to our channel for more videos and ring the notification bell 🔔 so you can be notified of all future content. Don’t forget to share with your friends and family. I would love to hear your opinions, so comment down below. Thank you for watching.

👉Subscribe Here

Suggested Videos:
✅ Work Place Pension:
Link: https://youtu.be/ojizsp5YfuQ

✅ Priorities, Pension Or Amazon:
Link: https://youtu.be/07muaDOcBW8

✅ The Importance Of Pensions:
...

Building financial freedom starts with knowing how to budget effectively. Knowing what you have in your account, organizing it to be reserved for the payments you will make can stop that issue of worrying if you have enough money to spoil yourself with that extra drink at the bar. Stop deciding to either worry about over spending when out or go completely careless and plan ahead. Become bud-getting brilliant.

Free budgeting spreadsheet below.

Stay well, stay motivated and most of all reach those goals.

Instagram Gareths

Recording Equipment

📘 Our Book

🎙 Podfollow

❓ Also want to see how you'd score on our mortgage preparedness questionnaire click here

🏠 The mortgage Course

📰 Budgeting Spreadsheet

I hope you guys enjoy this video and find it helpful. If you love this video, please be sure to check out our other videos. Please make sure to like and subscribe to our channel for more videos and ring the notification bell 🔔 so you can be notified of all future content. Don’t forget to share with your friends and family. I would love to hear your opinions, so comment down below. Thank you for watching.

👉Subscribe Here: https://www.youtube.com/channel/UCHoZx0CREZxyT3JRFzqrSPw?sub_confirmation=1 

Suggested Videos:
✅ Work Place Pension:
Link: https://youtu.be/ojizsp5YfuQ

✅ Priorities, Pension Or Amazon:
Link: https://youtu.be/07muaDOcBW8

✅ The Importance Of Pensions:
Link: https://youtu.be/XvOF_jEHdaI

✨Relevant Hashtags:
#business #retirement #entrepreneur #wealthcreation #interestrates  #mortgages  #mortgagerates  #financialplanning #investing #investments #money #finance #financialfreedom #wealth #property #financialplanner #financialadvice

Free budgeting spreadsheet below.

Stay well, stay motivated and most of all stay educated.

https://www.sanfp.co.uk/

Recording Equipment

📘 Our Book

🎙 Podfollow

❓ Also want to see how you'd score on our mortgage preparedness questionnaire click here

🏠 The mortgage Course

📰 Budgeting Spreadsheet

I hope you guys enjoy this podcast and find it helpful. If you love this podcast, please be sure to check out our videos on our youtube channel. Please make sure to like and subscribe to our channel for more videos and ring the notification bell 🔔 so you can be notified of all future content. Don’t forget to share with your friends and family. I would love to hear your opinions, so comment down below. Thank you for watching.

👉Subscribe Here

Suggested Videos:
✅ Work Place Pension:
Link: https://youtu.be/ojizsp5YfuQ

✅ Priorities, Pension Or Amazon:
Link: https://youtu.be/07muaDOcBW8

✅ The Importance Of Pensions:
...

In today's podcast Gareth Shears and Shane Hyland talk about how the world has gone mad, the growing costs to everything and how we can deal with these problems we are facing.

Cost of living is a huge problem so take the time to look at our money management course designed to help you make the most of your money and develop the right habits. Link here

Stay well, stay motivated and most of all reach those goals.

Instagram Gareths

Recording Equipment

📘 Our Book

🎙 Podfollow

❓ Also want to see how you'd score on our mortgage preparedness questionnaire click here

🏠 The mortgage Course

📰 Free Budgeting Spreadsheet

I hope you guys enjoy this video and find it helpful. If you love this video, please be sure to check out our other videos. Please make sure to like and subscribe to our channel for more videos and ring the notification bell 🔔 so you can be notified of all future content. Don’t forget to share with your friends and family. I would love to hear your opinions, so comment down below. Thank you for watching.

👉Subscribe Here: https://www.youtube.com/channel/UCHoZx0CREZxyT3JRFzqrSPw?sub_confirmation=1 

Suggested Videos:
✅ Work Place Pension:
Link: https://youtu.be/ojizsp5YfuQ

✅ Priorities, Pension Or Amazon:
Link: https://youtu.be/07muaDOcBW8

✅ The Importance Of Pensions:
Link: https://youtu.be/XvOF_jEHdaI

✨Relevant Hashtags:
#business #retirement #entrepreneur #wealthcreation #interestrates  #mortgages  #mortgagerates  #financialplanning #investing #investments #money #finance #financialfreedom #wealth #property #financialplanner #financialadvice

Free budgeting spreadsheet below.

Stay well, stay motivated and most of all stay educated.

https://www.sanfp.co.uk/

Recording Equipment

📘 Our Book

🎙 Podfollow

❓ Also want to see how you'd score on our mortgage preparedness questionnaire click here

🏠 The mortgage Course

📰 Budgeting Spreadsheet

I hope you guys enjoy this podcast and find it helpful. If you love this podcast, please be sure to check out our videos on our youtube channel. Please make sure to like and subscribe to our channel for more videos and ring the notification bell 🔔 so you can be notified of all future content. Don’t forget to share with your friends and family. I would love to hear your opinions, so comment down below. Thank you for watching.

👉Subscribe Here

Suggested Videos:
✅ Work Place Pension:
Link: https://youtu.be/ojizsp5YfuQ

✅ Priorities, Pension Or Amazon:
Link: https://youtu.be/07muaDOcBW8

✅ The Importance Of Pensions:
...

What is the 50 30 20 rule? Knowing this rule will assist you in spring cleaning your finances and help you grow your wealth in a healthier way. Know what you should be doing come each bank statement to better guide yourself to financial freedom and better money management skills.

Stay well, stay motivated and most of all reach those goals.

Instagram Gareths

Recording Equipment

📘 Our Book

🎙 Podfollow

❓ Also want to see how you'd score on our mortgage preparedness questionnaire click here

🏠 The mortgage Course

📰 Budgeting Spreadsheet

I hope you guys enjoy this video and find it helpful. If you love this video, please be sure to check out our other videos. Please make sure to like and subscribe to our channel for more videos and ring the notification bell 🔔 so you can be notified of all future content. Don’t forget to share with your friends and family. I would love to hear your opinions, so comment down below. Thank you for watching.

👉Subscribe Here: https://www.youtube.com/channel/UCHoZx0CREZxyT3JRFzqrSPw?sub_confirmation=1 

Suggested Videos:
✅ Work Place Pension:
Link: https://youtu.be/ojizsp5YfuQ

✅ Priorities, Pension Or Amazon:
Link: https://youtu.be/07muaDOcBW8

✅ The Importance Of Pensions:
Link: https://youtu.be/XvOF_jEHdaI

✨Relevant Hashtags:
#business #retirement #entrepreneur #wealthcreation #interestrates  #mortgages  #mortgagerates  #financialplanning #investing #investments #money #finance #financialfreedom #wealth #property #financialplanner #financialadvice

Free budgeting spreadsheet below.

Stay well, stay motivated and most of all stay educated.

https://www.sanfp.co.uk/

Recording Equipment

📘 Our Book

🎙 Podfollow

❓ Also want to see how you'd score on our mortgage preparedness questionnaire click here

🏠 The mortgage Course

📰 Budgeting Spreadsheet

I hope you guys enjoy this podcast and find it helpful. If you love this podcast, please be sure to check out our videos on our youtube channel. Please make sure to like and subscribe to our channel for more videos and ring the notification bell 🔔 so you can be notified of all future content. Don’t forget to share with your friends and family. I would love to hear your opinions, so comment down below. Thank you for watching.

👉Subscribe Here

Suggested Videos:
✅ Work Place Pension:
Link: https://youtu.be/ojizsp5YfuQ

✅ Priorities, Pension Or Amazon:
Link: https://youtu.be/07muaDOcBW8

✅ The Importance Of Pensions:
...

The recent budget announcement has changed up a lot of things from pensions to investments so how could this have an effect on you. Shane and Gareth talk about our usual rugby and onto the budget. With the difficult nature of the economy big changes have been made and are needed. Keeping on top of these changes is necessary for us and you to be in control of your finances.

Stay well, stay motivated and most of all reach those goals.

Instagram Gareths: https://www.instagram.com/garetheducates/

Recording Equipment: https://educate.sanfp.co.uk/equipment-guide

📘 Our Book: https://educate.sanfp.co.uk/BookRegister

🎙 Podfollow: https://podfollow.com/sanfp

❓ Also want to see how you'd score on our mortgage preparedness questionnaire click here: https://themortgageprocessassessment.scoreapp.com/

🏠 The mortgage Course: 
https://educate.sanfp.co.uk/offers/CdBoVUVF?

📰 Budgeting Spreadsheet: https://educate.sanfp.co.uk/interactive-budgeting-spreadsheet

I hope you guys enjoy this video and find it helpful. If you love this video, please be sure to check out our other videos. Please make sure to like and subscribe to our channel for more videos and ring the notification bell 🔔 so you can be notified of all future content. Don’t forget to share with your friends and family. I would love to hear your opinions, so comment down below. Thank you for watching.

👉Subscribe Here: https://www.youtube.com/channel/UCHoZx0CREZxyT3JRFzqrSPw?sub_confirmation=1 

Suggested Videos:
✅ Work Place Pension:
Link: https://youtu.be/ojizsp5YfuQ

✅ Priorities, Pension Or Amazon:
Link: https://youtu.be/07muaDOcBW8

✅ The Importance Of Pensions:
Link: https://youtu.be/XvOF_jEHdaI

✨Relevant Hashtags:
#business #retirement #entrepreneur #wealthcreation #interestrates  #mortgages  #mortgagerates  #financialplanning #investing #investments #money #finance #financialfreedom #wealth #property #financialplanner #financialadvice

Free budgeting spreadsheet below.

Stay well, stay motivated and most of all stay educated.

https://www.sanfp.co.uk/

Recording Equipment

📘 Our Book

🎙 Podfollow

❓ Also want to see how you'd score on our mortgage preparedness questionnaire click here

🏠 The mortgage Course

📰 Budgeting Spreadsheet

I hope you guys enjoy this podcast and find it helpful. If you love this podcast, please be sure to check out our videos on our youtube channel. Please make sure to like and subscribe to our channel for more videos and ring the notification bell 🔔 so you can be notified of all future content. Don’t forget to share with your friends and family. I would love to hear your opinions, so comment down below. Thank you for watching.

👉Subscribe Here

Suggested Videos:
✅ Work Place Pension:
Link: https://youtu.be/ojizsp5YfuQ

✅ Priorities, Pension Or Amazon:
Link: https://youtu.be/07muaDOcBW8

✅ The Importance Of Pensions:
...

Motivation can be the biggest driver for whether a business succeeds of fails and the most common example of demotivating emotions are known as impostor syndrome. Know that you are not alone when it comes to impostor syndrome, we all feel it from time to time. Pushing past this will be one of the biggest struggles but know that the lows come with the best highs in the end.

Stay well, stay motivated and most of all reach those goals.

Instagram Gareths

Recording Equipment

📘 Our Book

🎙 Podfollow

❓ Also want to see how you'd score on our mortgage preparedness questionnaire click here

🏠 The mortgage Course

📰 Budgeting Spreadsheet

I hope you guys enjoy this video and find it helpful. If you love this video, please be sure to check out our other videos. Please make sure to like and subscribe to our channel for more videos and ring the notification bell 🔔 so you can be notified of all future content. Don’t forget to share with your friends and family. I would love to hear your opinions, so comment down below. Thank you for watching.

👉Subscribe Here: https://www.youtube.com/channel/UCHoZx0CREZxyT3JRFzqrSPw?sub_confirmation=1 

Suggested Videos:
✅ Work Place Pension:
Link: https://youtu.be/ojizsp5YfuQ

✅ Priorities, Pension Or Amazon:
Link: https://youtu.be/07muaDOcBW8

✅ The Importance Of Pensions:
Link: https://youtu.be/XvOF_jEHdaI

✨Relevant Hashtags:
#business #retirement #entrepreneur #wealthcreation #interestrates  #mortgages  #mortgagerates  #financialplanning #investing #investments #money #finance #financialfreedom #wealth #property #financialplanner #financialadvice

Free budgeting spreadsheet below.

Stay well, stay motivated and most of all stay educated.

https://www.sanfp.co.uk/

Recording Equipment

📘 Our Book

🎙 Podfollow

❓ Also want to see how you'd score on our mortgage preparedness questionnaire click here

🏠 The mortgage Course

📰 Budgeting Spreadsheet

I hope you guys enjoy this podcast and find it helpful. If you love this podcast, please be sure to check out our videos on our youtube channel. Please make sure to like and subscribe to our channel for more videos and ring the notification bell 🔔 so you can be notified of all future content. Don’t forget to share with your friends and family. I would love to hear your opinions, so comment down below. Thank you for watching.

👉Subscribe Here

Suggested Videos:
✅ Work Place Pension:
Link: https://youtu.be/ojizsp5YfuQ

✅ Priorities, Pension Or Amazon:
Link: https://youtu.be/07muaDOcBW8

✅ The Importance Of Pensions:
...

Gareth and Shane discuss the recent UK government budget and what effects it will have. Before that though we celebrate Ireland's win against Scotland giving us one of the best performances we've seen this year in rugby.

Instagram Gareths

Recording Equipment

📘 Our Book

🎙 Podfollow

❓ Also want to see how you'd score on our mortgage preparedness questionnaire click here

🏠 The mortgage Course

📰 Budgeting Spreadsheet

I hope you guys enjoy this video and find it helpful. If you love this video, please be sure to check out our other videos. Please make sure to like and subscribe to our channel for more videos and ring the notification bell 🔔 so you can be notified of all future content. Don’t forget to share with your friends and family. I would love to hear your opinions, so comment down below. Thank you for watching.

👉Subscribe Here: https://www.youtube.com/channel/UCHoZx0CREZxyT3JRFzqrSPw?sub_confirmation=1 

Suggested Videos:
✅ Work Place Pension:
Link: https://youtu.be/ojizsp5YfuQ

✅ Priorities, Pension Or Amazon:
Link: https://youtu.be/07muaDOcBW8

✅ The Importance Of Pensions:
Link: https://youtu.be/XvOF_jEHdaI

✨Relevant Hashtags:
#business #retirement #entrepreneur #wealthcreation #interestrates  #mortgages  #mortgagerates  #financialplanning #investing #investments #money #finance #financialfreedom #wealth #property #financialplanner #financialadvice 

Free budgeting spreadsheet below.

Stay well, stay motivated and most of all stay educated.

https://www.sanfp.co.uk/

Recording Equipment

📘 Our Book

🎙 Podfollow

❓ Also want to see how you'd score on our mortgage preparedness questionnaire click here

🏠 The mortgage Course

📰 Budgeting Spreadsheet

I hope you guys enjoy this podcast and find it helpful. If you love this podcast, please be sure to check out our videos on our youtube channel. Please make sure to like and subscribe to our channel for more videos and ring the notification bell 🔔 so you can be notified of all future content. Don’t forget to share with your friends and family. I would love to hear your opinions, so comment down below. Thank you for watching.

👉Subscribe Here

Suggested Videos:
✅ Work Place Pension:
Link: https://youtu.be/ojizsp5YfuQ

✅ Priorities, Pension Or Amazon:
Link: https://youtu.be/07muaDOcBW8

✅ The Importance Of Pensions:
...

Here are 5 strategies in breaking your money issues when dealing with a limited income. Financial planning is not just for those with money especially how important it is for people in low income.

Instagram Gareths: https://www.instagram.com/garetheducates/

Recording Equipment: https://educate.sanfp.co.uk/equipment-guide

📘 Our Book: https://educate.sanfp.co.uk/BookRegister

🎙 Podfollow: https://podfollow.com/sanfp

❓ Also want to see how you'd score on our mortgage preparedness questionnaire click here: https://themortgageprocessassessment.scoreapp.com/

🏠 The mortgage Course: 
https://educate.sanfp.co.uk/offers/CdBoVUVF?

📰 Budgeting Spreadsheet: https://educate.sanfp.co.uk/interactive-budgeting-spreadsheet

I hope you guys enjoy this video and find it helpful. If you love this video, please be sure to check out our other videos. Please make sure to like and subscribe to our channel for more videos and ring the notification bell 🔔 so you can be notified of all future content. Don’t forget to share with your friends and family. I would love to hear your opinions, so comment down below. Thank you for watching.

👉Subscribe Here: https://www.youtube.com/channel/UCHoZx0CREZxyT3JRFzqrSPw?sub_confirmation=1 

Suggested Videos:
✅ Work Place Pension:
Link: https://youtu.be/ojizsp5YfuQ

✅ Priorities, Pension Or Amazon:
Link: https://youtu.be/07muaDOcBW8

✅ The Importance Of Pensions:
Link: https://youtu.be/XvOF_jEHdaI

✨Relevant Hashtags:
#business #retirement #entrepreneur #wealthcreation #interestrates  #mortgages  #mortgagerates  #financialplanning #investing #investments #money #finance #financialfreedom #wealth #property #financialplanner #financialadvice

Free budgeting spreadsheet below.

Stay well, stay motivated and most of all stay educated.

https://www.sanfp.co.uk/

Recording Equipment

📘 Our Book

🎙 Podfollow

❓ Also want to see how you'd score on our mortgage preparedness questionnaire click here

🏠 The mortgage Course

📰 Budgeting Spreadsheet

I hope you guys enjoy this podcast and find it helpful. If you love this podcast, please be sure to check out our videos on our youtube channel. Please make sure to like and subscribe to our channel for more videos and ring the notification bell 🔔 so you can be notified of all future content. Don’t forget to share with your friends and family. I would love to hear your opinions, so comment down below. Thank you for watching.

👉Subscribe Here

Suggested Videos:
✅ Work Place Pension:
Link: https://youtu.be/ojizsp5YfuQ

✅ Priorities, Pension Or Amazon:
Link: https://youtu.be/07muaDOcBW8

✅ The Importance Of Pensions:
...

A belated St David's day celebration quiz today. Let's compare Gareth's score with last years video. Not so sure he improved this year. We then give you a break down on risk and how misunderstanding risk in personal finance can cause instability and loss of wealth.

Measure risk right with financial professionals not on public trends.

Financial freedom taught free and all your money worries made clear here at Sanctuary Educate.

Instagram Gareths: https://www.instagram.com/garetheducates/

Recording Equipment: https://educate.sanfp.co.uk/equipment-guide

📘 Our Book: https://educate.sanfp.co.uk/BookRegister

🎙 Podfollow: https://podfollow.com/sanfp

❓ Also want to see how you'd score on our mortgage preparedness questionnaire click here: https://themortgageprocessassessment.scoreapp.com/

🏠 The mortgage Course: 
https://educate.sanfp.co.uk/offers/CdBoVUVF?

📰 Budgeting Spreadsheet: https://educate.sanfp.co.uk/interactive-budgeting-spreadsheet

I hope you guys enjoy this video and find it helpful. If you love this video, please be sure to check out our other videos. Please make sure to like and subscribe to our channel for more videos and ring the notification bell 🔔 so you can be notified of all future content. Don’t forget to share with your friends and family. I would love to hear your opinions, so comment down below. Thank you for watching.

👉Subscribe Here: https://www.youtube.com/channel/UCHoZx0CREZxyT3JRFzqrSPw?sub_confirmation=1 

Suggested Videos:
✅ Work Place Pension:
Link: https://youtu.be/ojizsp5YfuQ

✅ Priorities, Pension Or Amazon:
Link: https://youtu.be/07muaDOcBW8

✅ The Importance Of Pensions:
Link: https://youtu.be/XvOF_jEHdaI

✨Relevant Hashtags:
#business #retirement #entrepreneur #wealthcreation #interestrates  #mortgages  #mortgagerates  #financialplanning #investing #investments #money #finance #financialfreedom #wealth #property #financialplanner #financialadvice

Free budgeting spreadsheet below.

Stay well, stay motivated and most of all stay educated.

https://www.sanfp.co.uk/

Recording Equipment

📘 Our Book

🎙 Podfollow

❓ Also want to see how you'd score on our mortgage preparedness questionnaire click here

🏠 The mortgage Course

📰 Budgeting Spreadsheet

I hope you guys enjoy this podcast and find it helpful. If you love this podcast, please be sure to check out our videos on our youtube channel. Please make sure to like and subscribe to our channel for more videos and ring the notification bell 🔔 so you can be notified of all future content. Don’t forget to share with your friends and family. I would love to hear your opinions, so comment down below. Thank you for watching.

👉Subscribe Here

Suggested Videos:
✅ Work Place Pension:
Link: https://youtu.be/ojizsp5YfuQ

✅ Priorities, Pension Or Amazon:
Link: https://youtu.be/07muaDOcBW8

✅ The Importance Of Pensions:
...