Free and Figuring It Out

This week we have been figuring out and filling our time with…

• Next step in life
• Hair
• The Break by Patricia Bright
• How I budget my £65,000 salary a year
• Reviewing my £65,000 budget
• Hair chart
• Malala Yousafzai interview in British Vogue
• Launch by Jeff Walker (Charelle’s review)
• The Wisdom of Trauma | Gabor Maté {documentary}

This week’s life prompt…

Enjoy SUMMER!

Have some feedback, a question you would like us to answer or a topic suggestion?

Drop us an email at [email protected]

Follow us https://www.instagram.com/freeandfiguringitout/ 

Your hosts are...

Charelle Griffith (she/her), 33, is a marketing strategist for coaches and consultant, and founder of PropelHer (an online platform and book club for ambitious women). Connect with Charelle on Instagram.

Verity Brown (she/her), 34, is a northerner, proud queer woman and the founder of The Authentic DatA Revolution (tadar.org) Connect with Verity on Instagram.

This week we have been figuring out and filling our time with…

• Holidaying in the UK // Spa Trip
• Timeslots out of work
• Symptoms of a broken heart as hundreds die each year  | Wales online
• The 80/20 Principle - The Secrets of Achieving More with Less by Richard Koch {book}
• Philosophy tube
• Chill and Prosper with Denise D-T - How to Double Your Income (Without Working Harder) {podcast}

This week’s life prompt…

What can I do to make my life easier?

Have some feedback, a question you would like us to answer or a topic suggestion?

Drop us an email at [email protected]

Follow us https://www.instagram.com/freeandfiguringitout/ 

Your hosts are...

Charelle Griffith (she/her), 33, is a marketing strategist for coaches and consultants, and founder of PropelHer (an online platform and book club for ambitious women). Connect with Charelle on Instagram.

Verity Brown (she/her), 34, is a northerner, proud queer woman and the founder of The Authentic DatA Revolution (tadar.org) Connect with Verity on Instagram.

This week we have been figuring out and filling our time with…

• It’s birthday season in the FAFIO household! Turning 35 plus
• What I want to do for the second half of 2021? Turning 33
• Growing up LGBT+ report | Just Like Us
• Year of Yes by Shonda Rhimes {book}
• Euros!

This week’s life prompt…

What do I need to say YES to in my life?

Interested in joining Verity’s group coaching programme for queer women? Find out more here.

Have some feedback, a question you would like us to answer or a topic suggestion?

Drop us an email at [email protected]

Follow us https://www.instagram.com/freeandfiguringitout/ 

Your hosts are...

Charelle Griffith (she/her), 33, is a marketing strategist for coaches and consultant, and founder of PropelHer (an online platform and book club for ambitious women). Connect with Charelle on Instagram.

Verity Brown (she/her), 34, is a northerner, proud queer woman and the founder of The Authentic DatA Revolution (tadar.org) Connect with Verity on Instagram.

This week we have been figuring out and filling our time with…

• The anti-capitalist approach to business

• Reels and remixing

• ‘Have a little empathy’: Bali tires of badly behaved foreign influencers {The Guardian}

• More than enough by Elaine Welteroth {book}

• The BS free service business and Duped {podcast}  

This week’s life prompt…

What can I do to tap into my creativity more?

Have some feedback, a question you would like us to answer or a topic suggestion?

Drop us an email at [email protected]

Follow us https://www.instagram.com/freeandfiguringitout/ 

Your hosts are...

Charelle Griffith (she/her), 32, is a marketing strategist for coaches and consultant, and founder of PropelHer (an online platform and book club for ambitious women). Connect with Charelle on Instagram.

Verity Brown (she/her), 34, is a northerner, proud queer woman and the founder of The Authentic DatA Revolution (tadar.org) Connect with Verity on Instagram.

This week we have been figuring out and filling our time with…

• How to make lesbian friends

• Painting

• 100 Year Life: Living and Working in an Age of Longevity - Lynda Gratton and Andrew J Scott *Gifted by Bloomsbury {book}

• Emma Barnett just sparked a very important debate about toilets | Stylist

• A Discovery of Witches {series}

• The Difference Between Financial Wholeness and Financial Freedom with Tiffany Aliche - Budgetnista - Episode 447 Goaldigger {podcast}  

This week’s life prompt…

How would you treat your life differently if you thought you’d live to 100?

Have some feedback, a question you would like us to answer or a topic suggestion?

Drop us an email at [email protected]

Follow us https://www.instagram.com/freeandfiguringitout/ 

Your hosts are...

Charelle Griffith (she/her), 32, is a marketing strategist for coaches and consultant, and founder of PropelHer (an online platform and book club for ambitious women). Connect with Charelle on Instagram.

Verity Brown (she/her), 34, is a northerner, proud queer woman and the founder of The Authentic DatA Revolution (tadar.org) Connect with Verity on Instagram.

As our 5 week Figuring Money Out series comes to an end we thought we would squeeze in to just 30 minutes the top ten things we learnt.

Whether you haven’t had chance to listen yet or you have listened and felt a little overwhelmed, you are in the perfect place as this episode guides you through the juicy parts of each interview with the experts.

This series was months in the making and we are extremely proud of what we have creating and it is thanks to our brilliant guests that we could make this possible. Feel free to share this episode with any millennial women you know. We all have to deal with money - whether we are at debt, savings or investing stage - and we believe the more we start talking about it the more we close the gender money gap in all areas.

Have some feedback, a question you would like us to answer or a topic suggestion?

Drop us an email at [email protected]

Follow us https://www.instagram.com/freeandfiguringitout/ 

Your hosts are...

Charelle Griffith (she/her), 32, is a marketing strategist for coaches and consultant, and founder of PropelHer (an online platform and book club for ambitious women). Connect with Charelle on Instagram.

Verity Brown (she/her), 34, is a northerner, proud queer woman and the founder of The Authentic DatA Revolution (tadar.org) Connect with Verity on Instagram.

Disclaimer: All information provided by Free and Figuring It Out is for informational and educational purposes only and does not constitute financial advice. Free and Figuring It Out provides general information only and does not provide individual advice. For individual financial advice about your circumstances, please refer to an independent financial advisor.

FIGURING MONEY OUT 5 part mini-series

Episode Five Making More Money with Laura Pomfret

Laura is the co-founder, along with her sister Holly, of Financielle; a female-focused financial wellness brand empowering women to take control of their money and build dream lives.

Financielle started as an anonymous Instagram account almost 3 years ago and as the pandemic broke last year, Laura finally penned the plan she wanted to see in the world, The Financielle Playbook: A Step by Step Guide To Be Financially Well.

Since then, hundreds of people have worked through the plan and have ditched debt, built savings and increased incomes. Financielle is now a large, online financial wellness community which is completely free to join The Financielle Playbook - Financielle

In this episode we discuss the top 10 ways to make more money:

1 Reselling (7 mins)

2 Surveys and user testing (12)

3 Cashback (16)

Understanding your hourly rate (18)

Accessibility to money and discussing class (20)

4 Getting a second job (21.45)

5 Freelancing (28)

6 Content creation (32.45)

7 Having an online store (38)

8 Salary increase (43)

Not having to justify your want for more money (55)

9 Investing (60)

10 Renting spaces (65)

Modeling buying property (74)

Net worth (76)

Connect with Prerna

Financielle website

Instagram

Resources mentioned

Prolific

YouGov

Quidco

TopCashback

Fiverr

Teespring

Saverspender instagram

Nicole Bremner

Inside Property Investing

Kristina Castellina

Rich Dad Poor Dad {book}

Morning pages

Have some feedback, a question you would like us to answer or a topic suggestion?

Drop us an email at [email protected]

Follow us https://www.instagram.com/freeandfiguringitout/ 

Your hosts are...

Charelle Griffith (she/her), 32, is a marketing strategist for coaches and consultant, and founder of PropelHer (an online platform and book club for ambitious women). Connect with Charelle on Instagram.

Verity Brown (she/her), 34, is a northerner, proud queer woman and the founder of The Authentic DatA Revolution (tadar.org) Connect with Verity on Instagram.

Disclaimer: All information provided by Free and Figuring It Out is for informational and educational purposes only and does not constitute financial advice. Free and Figuring It Out provides general information only and does not provide individual advice. For individual financial advice about your circumstances, please refer to an independent financial advisor.

FIGURING MONEY OUT 5 part mini-series

Episode Four Investing and Pensions with Prerna Khemlani

Prerna is a qualified chartered accountant and founder of This Girl Invests.

This Girl Invests was born out of a frustration at the lack of basic financial education.

This Girl Invest’s mission is to help reduce the gender investment gap by using education as a tool to empower women to invest and to feel #financiallyconfident.

In this episode we discuss:

The difference between investing and trading (2)

What is a share? What is a bond? (5)

Why bonds are better than cash in the bank (6.30)

Inflation (7.30)

How the government manage inflation (9.30)

Should you invest if you are in debt? (11.30)

How Prerna started (13.30)

How investing is a journey and why women are more risk-averse (16.30)

Verity’s plan to invest (20)

Should you invest with money only if you can afford to lose it? (21)

Try not to take investment advice from friends, do your own assessment (23)

Loss aversion (25.45)

How to invest your first £100 (28.30)

Understanding your investing personality (30)

Making investing a habit (32)

What is the next step if you already have investments and want to level up? (32.30)

The core and the satellite investments framework (33.30)

What is a fund? (34.30)

Investments that excite you and NFT’s (36)

Bitcoin and cryptocurrency (38)

Let’s talk pensions (40)

What is the purpose of a pension and the different types (42)

Women and pensions - longer retirement but smaller pensions (43.30)

Gender pension gap (44)

Company pensions, what your employer contributes to (45)

How to understand what you already have in pensions (47)

Pension tracking service (48)

Consolidating your pensions (50)

Changing your pension funds (51)

Self-employment and private pensions (52)

Connect with Prerna

This Girl Invests website

Instagram

Resources mentioned

Nutmeg

moneyfarm

Wealthsimple

wealthify

Vanguard

Government pension site

Pension tracking service

Check your state pension forecast

Pension Bee

Penfold

The Automatic Millionaire {book}

Meaningful Money

Have some feedback, a question you would like us to answer or a topic suggestion?

Drop us an email at [email protected]

Follow us https://www.instagram.com/freeandfiguringitout/ 

Your hosts are...

Charelle Griffith (she/her), 32, is a marketing strategist for coaches and consultant, and founder of PropelHer (an online platform and book club for ambitious women). Connect with Charelle on Instagram.

Verity Brown (she/her), 34, is a northerner, proud queer woman and the founder of The Authentic DatA Revolution (tadar.org) Connect with Verity on Instagram.

Disclaimer: All information provided by Free and Figuring It Out is for informational and educational purposes only and does not constitute financial advice. Free and Figuring It Out provides general information only and does not provide individual advice. For individual financial advice about your circumstances, please refer to an independent financial advisor.

FIGURING MONEY OUT 5 part mini-series

Episode Three Savings and Mortgages with Lisa Conway-Hughes

Lisa Conway-Hughes is a Chartered Financial Adviser and a Fellow of The Personal Finance Society. Lisa joined the financial industry 15 years ago.

Lisa, also known as Miss Lolly, writes, speaks, tweets, and blogs on all things money related. Lisa is passionate about making financial education open to all and loves taking the jargon out of the financial world.

Lisa is the author of Money Lessons and features regularly as a media expert in the female press and newspaper as well as the BBC News.

A little bit of knowledge is all you need to make a start in getting your finances under firm control. Strong financial foundations will help you to enjoy the standard of living you want for yourself and your family, now and in the future. But money matters are forever changing, just like your financial priorities, which means you need to be continually learning – and that’s what misslolly.com is here for.

In this episode we discuss:

Why we should be saving (1.30)

Where should we put our savings? (3)

How to become a saver without actually trying (3.20)

Premium Bonds explained (5)

Can I open a savings account with a different bank? (7)

Building the internal dialogue of “I am a saver” (9)

Saving goals (9.45)

Saving fast vs saving slow (12)

ISAs and LISAs - tax-free but capped (14.15)

Personal savings allowance (16)

Bonuses (25% up to £4k PA) with ISAs and LISAs (17.40)

Level of tax you pay; understanding where is best to put your money (19)

Stop fearing people in the financial world (22.45)

Feeling empowered as a woman with money (24)

At what point should you start working with a financial advisor? (27.30)

Financial advisors are not scary but choose the right one (29.30)

A checklist for choosing a financial advisor that’s right for you (31.30)

Mortgages; where to start? Employed vs self-employed (35)

It’s more than just buying the bricks - you need somewhere to sit (37.30)

Using mortgage brokers instead of just going straight to your bank (39)

Mortgage plans and remortgaging (41)

Lisa advising Verity on buying first property after 35 and how this affects retirement (43.20)

Working out the maths on a mortgage (45.20)

Connect with Lisa

Miss Lolly website

Money Lessons {book}

Ladies Fiance Club podcast

Ladies Finance Club Membership

Instagram

Resources mentioned

Coventry Regular Savers Account

Premium Bonds

The Automatic Millionaire {book}

Trustnet.com

Have some feedback, a question you would like us to answer or a topic suggestion?

Drop us an email at [email protected]

Follow us https://www.instagram.com/freeandfiguringitout/ 

Your hosts are...

Charelle Griffith (she/her), 32, is a marketing strategist for coaches and consultant, and founder of PropelHer (an online platform and book club for ambitious women). Connect with Charelle on Instagram.

Verity Brown (she/her), 34, is a northerner, proud queer woman and the founder of The Authentic DatA Revolution (tadar.org) Connect with Verity on Instagram.

Disclaimer: All information provided by Free and Figuring It Out is for informational and educational purposes only and does not constitute financial advice. Free and Figuring It Out provides general information only and does not provide individual advice. For individual financial advice about your circumstances, please refer to an independent financial advisor.

FIGURING MONEY OUT | 5 part mini-series

Episode Two - DEBT with Selina Flavius

Black Girl Finance was founded in 2019 by Selina Flavius. She has created a financial coaching company dedicated to UK Black women and girls. To date she has helped hundreds of women get clear and focused on financial goals, we get our clients super comfortable, thinking about money, talking about money and taking action to reach their financial goals. We work with women who are experiencing stress and anxiety around finances they may be struggling with debt or they may be struggling to reach certain lifestyle goals they have for themselves, ie, getting on the property ladder, saving to be able to pivot careers, or start a business.

She has also contributed to discussions within the UK media (The Guardian and FT adviser) around issues such as the gender pay gap, the ethnicity pay gap and racial wealth gap.

Selina, believes that due to the intersection of the above gaps, it's more important than ever for women to take charge of their personal finances. She launched the Black Girl Finance Podcast and Black Girl Finance Festival.

Get Selina’s Book - Black Girl Finance

In this episode we discuss:

How to start tackling debt (3 mins)

Snowball vs avalanche approach (4.20)

The psychological vs practical side of the approaches (6.50)

Bringing more income in (8.20)

Consumer debt vs other debt (10)

People of colour and debt (12.45)

Leveraging debt (13.30)

Talking about debt (16)

Racial pay gap; advice for Black women (20)

Lack of financial literacy and education (24)

Being underpaid because you are a minority (26.50)

Salary silencing in contracts (30)

The impact of the pay gap further down the line (33.30)

Start a brag file! (35.15)

Going from being poor to earning lots and the lack of education around this (37.45)

Pay yourself first (41)

First few steps to conquering debt (42)

Connect with Selina

Black Girl Finance

Instagram

Resources

Citizens Advice

Money and Pensions service

StepChange

Glassdoor

Boring Money

Have some feedback, a question you would like us to answer or a topic suggestion?

Drop us an email at [email protected]

Follow us https://www.instagram.com/freeandfiguringitout/ 

Your hosts are...

Charelle Griffith (she/her), 32, is a marketing strategist for coaches and consultant, and founder of PropelHer (an online platform and book club for ambitious women). Connect with Charelle on Instagram.

Verity Brown (she/her), 34, is a northerner, proud queer woman and the founder of The Authentic DatA Revolution (tadar.org) Connect with Verity on Instagram.

Disclaimer: All information provided by Free and Figuring It Out is for informational and educational purposes only and does not constitute financial advice. Free and Figuring It Out provides general information only and does not provide individual advice. For individual financial advice about your circumstances, please refer to an independent financial advisor.