Most money advice tells you to spend less and save more. But what if the real answer is just spending better? This week Sophie sits down with Fran (aka Martha Stewish), chartered accountant and personal finance creator you're going to want to follow, to talk through one of the most practical frameworks we've covered on the show. We dig into how to figure out your authentic spending code: the personal values that should be driving every financial decision you make, and why ignoring them is probably why you feel stuck.

We also get into why deprivation always backfires, how she saves 35% of her salary without feeling restricted, and the simple habit shifts that actually move the needle, whatever you're earning. This one will make you look at your bank statement completely differently.

Fran’s links:

Tiktok (https://www.tiktok.com/@martha30s)

Instagram (https://www.instagram.com/martha.stewish/)

Substack (https://marthastewish.substack.com/)

YouTube (https://www.youtube.com/@martha.stewish)

Credits:

Host: Sophie Hallwright

Guest: Martha Stewish

Producer: Emily Rigby

Editor: Isabella Reeve

Social & Digital Manager: Lucy Munro

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Chapters

• 00:00:00 Intro & Who is Fran (aka Martha)?
• 00:00:52 The Gap in Personal Finance Content
• 00:03:47 How Fran Thinks About Building Wealth
• 00:05:12 Growing Up With Frugal Fraser
• 00:06:24 What Is Your Authentic Spending Code?
• 00:08:49 Fran's Four Spending Pillars
• 00:12:44 Emotional Spending & Money Guilt
• 00:17:58 How Fran Balances Saving & Living
• 00:20:27 Blocking Out the Noise & The Rich Girl Wish List
• 00:27:34 Where Do You Start?
• 00:32:02 Quick Fire Questions
• 00:38:00 Thank You For Listening
• 00:38:24 Financial Disclaimer

• Disclaimer: Raising The Curve has been prepared solely for informational and educational purposes. Any information provided and serviced described in this website are intended to be of general nature and provide general information only. The opinions expressed by The Curve do not constitute investment advice.