In this episode of the Mind Money Soul podcast, I’m going to be sharing my 5 reflections from 2024.. and it’s a good one!

Where has the year gone?! So crazy how time flies and this year I have learnt A LOT about myself, my business, about life. And I am excited to share with you 5 of my top selections. 

In the final episode of Mind, Money, Soul for 2024, I share heartfelt reflections from the past year. Recording from a cozy setting, I delve into five key insights, including the importance of adaptability, the realisation that we are not our thoughts, and the joy of turning 30. I discuss the challenges of being a business owner and emphasise making quick decisions and maintaining self-belief. The episode also highlights the necessity of setting boundaries by saying 'no' to safeguard one’s time and energy. 

00:00 Welcome to the Final Episode of 2020

00:30 Embracing Unplanned Paths

01:52 We Are Not Our Thoughts

03:51 I need you to know that 30 is Not Old

04:51 Embrace Aging: It's a Privilege

05:27 The Challenges of Being a Business Owner

05:53 The Importance of Decision Making

06:42 Self-Belief: The Key to Success

07:37 Saying Yes Means Saying No

08:57 Podcast Reflections and Future Plans

Resources

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Send me an Email

Book a Money Mindset Exploration Session

Get a copy of my FREE Monthly Spending Planner Template

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In this episode of the Mind Money Soul podcast, I’m going to be sharing the 3 things I know to be true about money.

These 3 truths are powerful ways to reframe your relationship with money. First up, you've gotta think of money as a TOOL. It's a resource that helps you create the life you desire. Money itself isn’t inherently good or bad; the emotions we attach to it give it meaning. So, if you’ve ever felt unworthy of money, it’s time to challenge that belief. Picture money as part of a toolkit - just like how tools are essential for building a wardrobe, money is essential for building your dream life. Building your wardrobe or dream life without using a toolkit doesn’t make you noble; it makes it harder, it takes longer and limits your potential. When you use money intentionally as a tool, you can unlock incredible opportunities in less time and with more ease.

Next up, money is ENERGY and its flow is crucial. Like a river, money needs to flow in and out of your life to maintain its vitality. While saving is important, hoarding money can create stagnancy. Balance saving and spending to keep the energy flowwwwing. Last and by no means least, money is ABUNDANT and cultivating this belief is crucial to building wealth. Abundance isn’t just about having more; it’s about shifting away from a mindset of lack and scarcity. Wealthy people succeed because they invite abundance and you can too. Whether you’re manifesting money, seeking opportunities or you're a single gal looking for love, it all starts with believing in the possibility of abundance. So there we have it; tools, energy and abundance. Tune in to discover where you may be falling short and what you need to do to hit 3/3.

In this episode:

• How using money as a TOOL will help you build your dream life
• Why money isn't good or bad, it's the EMOTION we attach to it
• Money is ENERGY, spending is just as important!
• How to keep the energy flowing
• Money is ABUNDANT and you can't build from a place of lack
• The one thing that ALL wealthy people have 

Resources

Download the ULTIMATE annual money planner

Connect with me on Instagram, on LinkedIn or on TikTok

Send me an Email

Book a Money Mindset Exploration Session

Get a copy of my FREE Monthly Spending Planner Template

Get a copy of my FREE Money Date Template

Join Becoming Debt Free

Join  The Feel Good Investor

In this episode:

Resources

Download the ULTIMATE annual money planner

Connect with me on Instagram, on LinkedIn or on TikTok

Send me an Email

Book a Money Mindset Exploration Session

Get a copy of my FREE Monthly Spending Planner Template

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Join Becoming Debt Free

Join  The Feel Good Investor

In this episode of the Mind Money Soul podcast, I’m going to be breaking down the different types of ISA's. ISA stands for Individual Savings Account.

Each tax year (from April to April), you’re given a £20,000 ISA allowance. This means you can save or invest up to £20,000 in ISAs without paying any tax on the interest you earn. You can put all your money into one type of ISA or spread it across multiple types, just remember that the combined total cannot exceed your £20,000 annual limit. With so many different types of ISA’s out there, it’s no surprise why you might feel overwhelmed and even deter you from opening one. What are they? Why are the useful? How do they work?! I’ll be sharing a brief overview of the top line information that you need to know about ISA accounts available in the UK.

There are some AMAZING benefits of ISA’s! Did you know the government add a 25% bonus to money you add to a lifetime ISA, which means if you maxed the limit of £4,000 you would receive £1,000 of free money - big fat slay! Taking some time to educate yourself can MASSIVELY help you in the long run! So dream big, think of your big happy goals, educate yourself and explore how an ISA can help support you on your journey to financial freedom.

In this episode:

• The basics of an Individual Savings Account

• The 4 main types of adult ISA's

• The OLD rules which no longer stand

• A breakdown of Cash ISA's

• Why I love Stocks and Shares ISA's

• How you can make £1000 per year from a Lifetime ISA's

• Exploring Innovative Finance ISA's

• A brief overview of junior ISA's

Resources

Download the ULTIMATE annual money planner

Connect with me on Instagram, on LinkedIn or on TikTok

Send me an Email

Book a Money Mindset Exploration Session

Get a copy of my FREE Monthly Spending Planner Template

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Join Becoming Debt Free

Join  The Feel Good Investor

In this episode of the Mind Money Soul podcast, I’m going to be sharing 10 steps to reset your finances.

Do you feel like you're not in control of your finances? Maybe you're usually good at budgeting and saving, but lately, you feel out of touch with your money. If this sounds all too familiar, it’s time to take charge and reset. I don't know about you, but for me, the end of summer has brought this realisation. Summer was a whirlwind, I spent a lot (and had a LOT of fun doing so). However fast forward to November and I’m feeling disconnected from my money. I don’t want to wait until the New Year to fix it. We've still got December! Trust me when I say ignoring the issue will only make it worse.

The solution? Set aside time for a money date to work through these 10 steps to reconnect with your finances and prepare for a successful 2025. From tackling debt and defining clear goals to creating an annual plan and writing a vision letter, these steps will help you take control and stay motivated. Finish the year strong by reflecting on your financial priorities, organising your money, and planning towards your big happy goals.

In this episode:

• How to review all your debt and make a plan to clear it
• How to complete an annual financial overview 
• Questions to ask yourself to get clear on your goals and make them reality
• Steps to set up your budget for December and beyond
• Why you should write a vision letter to your future 2025 self

Resources

Download the ULTIMATE annual money planner

Connect with me on Instagram, on LinkedIn or on TikTok

Send me an Email

Book a Money Mindset Exploration Session

Get a copy of my FREE Monthly Spending Planner Template

Get a copy of my FREE Money Date Template

Join Becoming Debt Free

Join  The Feel Good Investor

In this episode of the Mind Money Soul podcast, I’m diving into the fascinating world of investing in precious metals - what it is, why it matters, and how to get started. [AD]

This episode is sponsored by The Royal Mint - very excited about this one hunnies. What an amazing company to partner with for me and you all to learn more about investing in precious metals - learn more here

I often talk about investing as a powerful way to build wealth. Usually, I focus on topics like the stock market, property, and business. But today, I’m excited to explore the unique power of investing in precious metals. I'll admit, like anything that is new or unknown, this topic felt slightly intimidating, simply because I didn't fully understand it. Since undertaking research and learning the "what", why” and “how” behind it, I’ve come to realise just how empowering and impactful it can be. We invest as a way to protect our wealth, especially from inflation. Inflation erodes the buying power of your money. When you leave your money sitting in cash, it loses purchasing power year after year. By swapping cash for assets like precious metals that grow in value over time, you’re not only preserving your wealth but you're also beating inflation.

One of the biggest barriers to investing for women is a combination of risk aversion and lack of knowledge. Research shows that women are 45% more likely than men to hesitate when it comes to starting or expanding their investment portfolios due to a lack of knowledge. My hope is that this episode, along with resources shared by The Royal Mint, will help bridge that gap and inspire you to diversify both your knowledge and your portfolio.

In this episode:

•  
• What it means to invest in precious metals like gold
• 3 reasons why you should invest in precious metals
• 3 things to consider when you choose to invest
• 4 top tips for getting started
• Allow me to introduce you to The Royal Mint!

Resources

Check out physical and digital precious metals investment opportunities with The Royal Mint

Download the ULTIMATE annual money planner

Connect with me on Instagram, on LinkedIn or on TikTok

Send me an Email

Book a Money Mindset Exploration Session

Get a copy of my FREE Monthly Spending Planner Template

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Join Becoming Debt Free

Join  The Feel Good Investor

In this episode of the Mind Money Soul podcast, I’m going to be sharing how to choose between investing in a property or the stock market.

I get asked this question all the time and there’s no one-size-fits-all answer. Everyone’s priorities, circumstances, dreams and values are unique. It’s essential to get clear on what you truly want, beyond the expectations of society or family. If you value liquidity and growth, the stock market might be a better path. But if you’re looking for stability and a tangible asset, buying property could be more aligned with your goals. By the end of this episode, I hope you’ll have a clearer sense of which option feels right for you.

Sometimes, our decisions make more emotional sense than financial. If owning a home has always been your dream, and it gives you a sense of fulfilment—even if it’s not the most profitable choice—that’s ok. Life isn’t just about financial gain; it’s about what we do with our money to live fully. So if you’ve run the numbers and still feel it’s the right choice, trust yourself, pursue your dreams and go for it!

In this episode:

• An overview of investing in the stock market and property 
• How understanding your financial goals will help you choose where to invest
• Accessibility to your money and understanding liquidity
• The fees and the costs involved with investing
• Diversification and leveraging your money when investing
• The pros and cons of investing in the stock market and property
• Why some things make more emotional sense than they do financial

Resources

Download the ULTIMATE annual money planner

Connect with me on Instagram, on LinkedIn or on TikTok

Send me an Email

Book a Money Mindset Exploration Session

Get a copy of my FREE Monthly Spending Planner Template

Get a copy of my FREE Money Date Template

Join Becoming Debt Free

Join  The Feel Good Investor

In this episode of the Mind Money Soul podcast, I’m going to be sharing the psychology of spending.

I’ve had an absolute ball this summer #noregrets but I can say with confidence that I’ve bought and spent money on things that I definitely don’t need. Let’s be honest - most of us have been here. Our spending habits are closely tied to our mindset, so today we’ll be exploring this connection to help you make positive changes towards financial freedom. Moving from impulsive to intentional spending starts with building a strong connection to your goals and values. When you’re truly aligned with what you want for your future and the deeper reasons behind why you value money, it becomes easier to pause and ask, “does this purchase bring me closer to my goals, or does it pull me further away?” This kind of self-questioning helps you spend more intentionally, prioritizing what truly matters to you. 

Seeing yourself as financially empowered is another powerful mindset shift. When you focus your self-worth and fulfilment on experiences, relationships, and personal growth—not just material goods—you create a sense of value that can’t be taken away. Your self-worth is built on how you view yourself, the way you show up in your relationships, and the impact you have on others, not on the things you own or the way others perceive you. The more in tune you are with yourself, the more you’ll enjoy life without relying on external gratification. Learning to sit with your emotions, knowing you’ll be okay regardless of what you’re feeling, is incredibly powerful. Material things might bring a quick fix but that feeling fades fast. Lasting fulfilment comes from within.

In this episode:

• What is impulsive spending?
• How does your belief system impact your spending?
• How does the reward cycle in our brain work?
• The influence of society, marketing and social media on our spending habits
• 6 ways to shift to more conscious spending

Resources

Download the ULTIMATE annual money planner

Connect with me on Instagram, on LinkedIn or on TikTok

Send me an Email

Book a Money Mindset Exploration Session

Get a copy of my FREE Monthly Spending Planner Template

Get a copy of my FREE Money Date Template

Join Becoming Debt Free

Join  The Feel Good Investor

In this episode of the Mind Money Soul podcast, I’m going to be sharing why certain behaviours aren't helping you make any financial progress and 5 steps to implement change.

Tell me, do any of these beliefs or behaviours sound familiar? “Im so shit with money, whats the point in trying?” Maybe you start off the month with the best of intentions and a budget, but you make a small little mistake and the whole plan goes straight out the window. Perhaps you have an ‘all or nothing’ attitude, so you live by extremes and find yourself yo-yo-ing between saving and then splurging it all. Maybe you say things like “I’m a spender, I just can’t help it!”. Or maybe you’re a perfectionist and you think there's a perfect money management process out there where nothing goes wrong and you feel like you haven’t cracked it yet so you keep starting new every month and never make any process. If you relate to any of these, I’m going to be sharing why these behaviours aren't helping you make any financial progress and most importantly how to shift your attitude and energy.

I’ll be divulging why how you identify is how you will act, how the compound effect shapes your finances and habits over time and 5 ways that you can shift your energy and attitude. Getting honest with your habits, mindset and behaviours and acknowledging how the compound effect can shape your life over a year, and even 10 years, will help you start to make positive change. The quicker you can nip your negative behaviours in the bud and implement positive financial habits with your budgeting and your language, the quicker you’ll be able to create a life of financial freedom, whatever this looks like to you.

In this episode:

• How you identify is how you will act

• Why these behaviours aren't helping you make any financial change

• How the compounding effect applies to your finances and habits

• What happens if you keep making the same mistakes every month

• 5 ways to shift your energy and attitude

Resources

Download the ULTIMATE annual money planner

Connect with me on Instagram, on LinkedIn or on TikTok

Send me an Email

Book a Money Mindset Exploration Session

Get a copy of my FREE Monthly Spending Planner Template

Get a copy of my FREE Money Date Template

Join Becoming Debt Free

Join  The Feel Good Investor

In this episode of the Mind Money Soul podcast, I’m going to be sharing the harsh reality that you might be wasting your time and money.

I’m going to call you out on this - if you are spending mindlessly, you are wasting your life. Ouch. That’s a killer to hear, I know. When you go to work, whether that is a 9-5, you run your own business or you’re self-employed, you are swapping your time for money. Time is our most valuable asset. Why? It’s a finite resource and we only have so much of it in a day, a week, a month, a year, a lifetime. Unlike money, once you’ve spent it, you can’t get it back or make any more. Which is why you could argue that time is more valuable than money.

So, if you go to work, swap your time for money and then mindlessly spend that hard earned cash on things that don’t add to your life, then you could say that you are wasting your life. Wealth is the ability to fully experience life, so if you find yourself spending on things that are not going to benefit your health, wealth or future self, or inhibits your ability to experience life to the fullest, then you need to schedule a money date. Get honest; evaluate your spending habits and get connected with your values in order to make conscious choices that support your goals and dream life.

In this episode:

• Why time is more valuable than money
• What does the ability to fully experience life mean to you?
• How poor choices can diminish your health
• Examples of 2 clients who were "wasting their life" due to their spending habits
• Mindful spending and assessing your habits: do you spend in line with your values?
• 3 actionable tips to help you work towards financial freedom

Resources

Download the ULTIMATE annual money planner

Connect with me on Instagram, on LinkedIn or on TikTok

Send me an Email

Book a Money Mindset Exploration Session

Get a copy of my FREE Monthly Spending Planner Template

Get a copy of my FREE Money Date Template

Join Becoming Debt Free

Join  The Feel Good Investor