Free and Figuring It Out

FIGURING MONEY OUT | 5 part mini-series

Episode one - BUDGETING with Catherine Morgan

Catherine Morgan is a multi-award-winning qualified financial planner and award-winning financial coach, on a mission to reduce financial anxiety and increase financial empowerment & resilience for 1 million women around the world. Featured as One of the top 32 female entrepreneurs to look out for in Business Leader. She is host to the top 1% global podcast ‘In Her Financial Shoes’ and founder of The Money Panel.

In this episode we discuss:

What a budget actually is (1.15)

It’s less about the money, but the meaning we have given to it (3.10)

Creating budgets can make some feel safe (5.30)

Starting to try and budget (7.15)

Remember where you are at before you start (9.20)

Building a better relationship with your bank accounts and apps (13.20)

Inheriting our beliefs around money (15.30)

Abundance can feel out of reach (18.30)

Use a spending plan if budgeting triggers you (19.20)

How to budget when you feel you don’t have choice (22.45)

Looking at negotiables and non-negotiables (25.15)

Changing future generations relationship with money (26.15)

Unexpected costs (27.20)

Looking at past 12 months spending and creating money pots (30.45)

How to budget when you feel you start the month at £0 after paying bills (32.15)

Honouring your self-worth and increasing your income (35)

Why connecting your sense of self with money can be dangerous (36)

Spiritually bypassing vs getting realistic with money (37.30)

The next small step (39.45)

Postponing worry (40.45)

Sticking to spending plans (41.30)

Recommendations

Brene Brown’s podcast

It didn’t start with you by Mark Wolynn [book]

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.

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

• Understanding the soul’s journey
• Working out whether to work with a financial advisor or not
• Invisible Women - exposing data bias in a world designed for men by Caroline Criado Perez {book}
• British people have unusual views on inequality {The Conversation}
• Coded Bias  {documentary}
• Rat Race {film} 

This week’s life prompt…

What do I class to be a life-changing sum of money? What would getting that amount of money do to my life?

LAUNCHING NEXT WEEK…our 5-part series all about Figuring Money Out. Make sure you don’t miss it!

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…

• Not drinking alcohol when socialising

• Exercise after lockdown

• The Multi-Hyphen Method by Emma Gannon {book}

• Do you really need your period? {ELLE magazine}

• Thunder Force {film}

• The Best of Me {film}

   

This week’s life prompt…

Forgetting all the rules you believe there are around careers and earning money, what would your dream work life be like?

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.

We are delighted to welcome to the podcast Youth To The People Co-Founder Greg Gonzalez who, along with his cousin Joe Cloyes, founded YTTP in 2015, a pro-grade vegan skincare brand which is sustainably made in California. And is the first man to appear on the show since we began nearly 2 1/2 years ago!

“Our family of women were at the heart and soul of the brand, beginning with our grandmother Eva who was not only a pioneer in professional-grade skincare, but a dominant force in our lives. When our grandmother retired, she passed on the business and work ethic to our Aunt Lori and Greg’s mom Lisa, who are our mentors. Today, we continue our family’s legacy, which shapes our standard for innovation.”

In this interview filled with brilliant insight and great advice we discuss...

• The journey of Youth To The People which began with Greg’s grandmother in 1960’s who had to battle with gender inequality to grow the business (2)
• Women continuing to be a big part of the brand (5)
• The origins of the name and the brand and a conscious effort to create change (7.5)
• Greenwashing and educating around sustainability (12)
• Mindful activism and what Greg has experienced in his own life which has led to the strong foundation of YTTP (15.5)
• Discussing the heart and soul of business (19)
• How our personal journey’s effect our business and how inclusivity and diversity come from the top (21.5)
• Advice on how to bring activism into your brand  (24)
• Get comfortable with being uncomfortable (28)
• Why YTTP cleanser is the first product you must try (30)

We finish the interview by asking Greg our quick fire guest questions!

You can follow and find out more about Youth To The People at

Instagram

Youth To The People

Buy from Cult Beauty UK

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, 32, is a marketing strategist for coaches and consultants, and founder of PropelHer, a personal development blog and book club. She lives in London, dates men and has been single for 5 years (except for a summer romance in 2018). Connect with Charelle on Instagram.

Verity Brown, 34, is a northerner, the founder of The Authentic DatA Revolution and identifies as a queer woman. Connect with Verity on Instagram.

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

• Kitchens

• Main character energy

• ‘I’m on the street, but I’m not a bum’: how a Vietnam vet showed me the real New York | The Guardian

• Launch by Jeff Walker {book}

• First Dates Hotel {TV}

   

This week’s life prompt…

How can I romanticise my life?

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, 32, is a marketing strategist for coaches and consultant, and founder of PropelHer (a personal development blog and book club). She lives in London, dates men and has been single for 5 years (except for a summer romance in 2018). Connect with Charelle on Instagram.

Verity Brown, 34, is a northerner and the founder of The Authentic DatA Revolution and is currently living in the Lake District, UK. She is bisexual, was single for 3.5 years and is in a relationship with a woman. Connect with Verity on Instagram.

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

• Bitcoin

• Our relationship with food

• The Referral Engine: Teaching Your Business to Market Itself by John Jantsch [book]

• Sentimental Garbage SATC mini series [podcast]

• The Bold Type {TV} with reference to Episode 75 - Figuring it out | Friendship dynamics; is 3 a crowd?

• Brene Brown - The call to courage {TV}

   

This week’s life prompt…

What do I love about my friends and when was the last time I told them that?

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, 32, is a marketing strategist for coaches and consultant, and founder of PropelHer (a personal development blog and book club). She lives in London, dates men and has been single for 5 years (except for a summer romance in 2018). Connect with Charelle on Instagram.

Verity Brown, 34, is a northerner and the founder of The Authentic DatA Revolution and is currently living in the Lake District, UK. She is bisexual, was single for 3.5 years and is in a relationship with a woman. Connect with Verity on Instagram.

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

• Spring cleaning
• The only constant is change
• Think and Grow Rich {book}
• Divergent {TV}
• The Crown {TV}
• How to quit like a woman {book)
• 48 Laws of Power {book} 

This week’s life prompt…

What do I need to physically let go of?

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, 32, is a marketing strategist for coaches and consultant, and founder of PropelHer (a personal development blog and book club). She lives in London, dates men and has been single for 5 years (except for a summer romance in 2018). Connect with Charelle on Instagram.

Verity Brown, 34, is a northerner and the founder of The Authentic DatA Revolution and is currently living in the Lake District, UK. She is bisexual, was single for 3.5 years and is in a relationship with a woman. Connect with Verity on Instagram.

Both Charelle and Verity were deeply effected by what happened to Sarah Everard this month. In this episode they discuss what has occurred in response to the murder of Sarah and explore why women are still not safe on the streets of England in 2021.

Discussed with full respect to Sarah’s family and friends.

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 (a personal development blog and book club). She lives in Nottingham, dates men and has been single for 5 years (except for a summer romance in 2018). Connect with Charelle on Instagram.

Verity Brown (she/her), 34, is a northerner, founder of The Authentic DatA Revolution and is currently living in the Lake District, UK. She is a queer woman in a lesbian relationship. Connect with Verity on Instagram.

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

• What I want life to look like out of lockdown

• Eye makeup for the ultimate masked-up look

• Feel the beat

• The Serendipity Mindset: The Art and Science of Creating Good Luck by Dr Christian Busch

  *gifted by Penguin Life Books

• Brene Brown interviews Debbie Millman and Roxanne Gay

• The L Word

   

This weeks life prompt…

Do I think I am lucky? Why or why not?

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, 32, is a marketing strategist for coaches and consultant, and founder of PropelHer (a personal development blog and book club). She lives in London, dates men and has been single for 5 years (except for a summer romance in 2018). Connect with Charelle on Instagram.

Verity Brown, 34, is a northerner and the founder of The Authentic DatA Revolution and is currently living in the Lake District, UK. She is bisexual, was single for 3.5 years and is in a relationship with a woman. Connect with Verity on Instagram.

Like every year, we have decided to do a special episode to celebrate International Women’s Day and their theme for 2021; choose to challenge. In this episode we cover…

• patriarchy, capitalism and white supremacy
• checking in with your own mental wellbeing when choosing to challenge
• the potential backlash when challenging
• Challenging wearing high heels in an office
• Challenging click bait and lack of representation
• the importance of allies
• equality in the workplace
• algorithms  and their place in challenging
• challenging in lockdown vs out of lockdown
• Challenging Munroe Bergdorf fired from L’Oreal
• greenwashing when it comes to gender, race and sexuality
• gender pay gap
• all white panels
• Golden Globes 2021

Where will you choose to challenge?

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, 32, is a marketing strategist for coaches and consultant, and founder of PropelHer (a personal development blog and book club). She lives in Nottingham, dates men and has been single for 5 years (except for a summer romance in 2018). Connect with Charelle on Instagram.

Verity Brown (she/her), 34, is a northerner, founder of The Authentic DatA Revolution and is currently living in the Lake District, UK. She is a queer woman in a lesbian relationship. Connect with Verity on Instagram.