In this episode of the Mind Money Soul podcast, I’m going to be sharing the 3 s’s of financial success; survival, spending and success. 

In order to be successful with your finances, you have to start with the foundations and learn how to be good at money management. If you don’t know how to manage your money, you don’t have the ability to stick to a spending plan or you don’t know where your money is going, it will be so hard to be successful and achieve your big happy goals because you have no data and no way of making a plan.

People struggle with balancing the 3 s’s. There’s no right or wrong way to answer what the right balance is. At certain points in your life you’ll be putting money towards your survival, spending or success more. The important thing is we want to be doing it consciously. Remember, your money is yours and you get to choose what you do with it. The aim is to find a healthy balance where you’re supporting what it costs to be you with freedom and ease, you’re enjoying your money in the now, all whilst working towards your financial future.

In this epsiode:

• How to break your expenses down into 3 main categories
• The different between fixed expenses and variable expenses
• #1 Survival: what does it cost to be you at a basic level?
• #2 Spending: what do you spend your money on to enjoy life?
• #3 Success: what do you want for your financial future?
• How people struggle with balancing survival, spending and success
• What you should do to successfully manage your money 

🎙️ Your host: Laura Ann Moore

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In this episode of the Mind Money Soul podcast, I’m going to be sharing the 5 must have accounts for your finances.

Managing your money can feel overwhelming with so many different accounts available, from savings accounts, to stocks and shares ISA’s and pensions. The biggest challenge is knowing where to put your money so it can grow and remain safe. Growing up, we’re often only taught about having a current account, but there's much more to financial success than that. With such limited information, it can feel difficult to know where to begin leading many people to limit themselves by keeping their money solely in a current account.

We'll discuss the five essential accounts you need to manage your money effectively and how having multiple accounts can set you up for financial success. By understanding and utilising these key accounts, you can take control of your financial future. Don't just settle for a current account—expand your financial toolkit and set yourself up for success. Tune in to learn how to navigate these accounts and maximise your financial potential.

In this episode:

• A breakdown of the different accounts you need
• Why you need to have a current account
• Why it doesn’t pay to be loyal to a particular bank
• Why you need a separate spending account
• The benefits of using Monzo or Revolut
• Why you need a high interest savings account
• How to grow you money with a stocks and shares ISA
• The different types of pension accounts
• How to manage your money when you get paid each month

🎙️ Your host: Laura Ann Moore

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In this episode of the Mind Money Soul podcast, I’m going to be sharing 4 top tips on how to manage your finances with your partner.

Money can be a huge issue in relationships and it’s one of the main reasons why people break up. Research in the UK shows that 17% of couples argue about money at least once a week and 5% argue about finances every single day - how tiring is that! These arguments don't necessarily arise from a lack of money but rather from discussions and disagreements about financial matters, such as how to divide the bills or how you manage your own spending. The underlying issue is that it will make you irritable, put you in a bad mood, and cause you to struggle with your mental health, all of which will affect your relationship.

In this episode, I'll address some of the financial issues couples face, how to navigate them, and how to set yourselves up for success in managing money within your relationship. Open and honest conversations about money are crucial for maintaining a healthy relationship. Finances are an ongoing aspect of your partnership, and if you can't have these discussions now, imagine how challenging they will be when you're married, having kids, or buying houses.

In this episode:

• The main reasons couples argue about money
• How to fairly split bills in your relationship
• Essential financial conversations to have with your partner
• The impact of the cost of living crisis on relationships
• 4 tips for managing money with your partner
• How to decide on the right time to get a joint account

🎙️ Your host: Laura Ann Moore

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In this episode of the Mind Money Soul podcast, I’m going to be answering a question I recently received on The Money Hotline - “why do I keep digging in and out of debt?”

I delve into the crucial steps needed to break free from the cycle of debt. The first step is identifying the root cause of your debt. There are many common culprits including the overpayment of debt, behavioural patterns such as overspending, a lack of discipline or having a scarcity mindset. Knowledge is power and without uncovering this data you can’t make a plan to clear your debt.

I also share how to set yourself up for success by creating a fail-safe debt management plan, implementing practical strategies and allowing space for self reflection to affirm your financial capability and abundant mindset. It might be a slow process, but quitting is not an option. Perseverance is key and embracing these steps towards financial freedom is worth every step - there is only positivity on the other side of this journey. Clearing your debt is not only going to increase your net worth, but it will get you one step closer to financial independence and security. 

In this episode:

• The importance of identifying the root cause of your debt
• The most common reasons why you’re stuck in debt
• How to set yourself up for success to achieve financial freedom
• How to shift your mindset and affirm you are capable
• How to put friction between you and your spending habits

🎙️ Your host: Laura Ann Moore

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In this episode of the Mind Money Soul podcast, I’m going to be sharing the 5 ways that I invest my wealth to maintain and improve my health.

Ever heard the phase “people exhaust their health amassing wealth, only to deplete their wealth restoring health”. Many drive themselves relentlessly into the ground, work crazy hours to accumulate money, neglect breaks and essential expenditures and prioritise future savings over present well-being until their health suffers. Despite ample funds in pension accounts, ISAs, and lucrative jobs, they find themselves unable to enjoy their wealth due to poor health.

But why not pursue both simultaneously? Adopt a method that's gradual, sustainable, and allows you to enjoy your money along the journey. Wealth is so much more than just money. It’s your time, security, freedom, independence, choice, relationships, travel, and your mental, physical and spiritual wellness. Investing in your health will empower you to show up as your best self, achieve your big happy goals and enjoy the process of building wealth. It's a paradox: spending in the present to enhance wellness, to enable you to create an abundant, healthy financial future.

In this episode:

• Why the best type of investment is in yourself
• Why sacrificing your health in the now is detrimental to your future
• Why I choose to buy and eat healthy, organic food
• Why my annual yoga membership is a non-negotiable
• Why I invest my time in creating at-home, healthy remedies 
• Why I invest in a health coach to understand and optimise my health
• Why I choose to invest in health care professionals

🎙️ Your host: Laura Ann Moore

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In this episode of the Mind Money Soul podcast, I’m going to be sharing my take on the question “what should I be doing with my money?”

I get asked this question at least 5-10 times a week. It's a question that comes up time and time again, yet it's one that's rarely addressed in traditional education or everyday conversations. Tell me, have you looked at your bank balance this month and not known where to begin with managing your finances? You’ve come to the right place!

Mastering your finances isn't about adhering to someone else's rules or standards. It's about understanding your own big happy goals and unique values and making financial decisions that align with them. While there are certain fundamental principles to follow, such as budgeting, savings and investing, how you implement these strategies will vary from person to person and there is no cookie-cutter, one-size-fits-all solution approach. The important thing to remember is that you're the one in control of your financial destiny. You work hard for your money, so it's up to you to determine how best to use it.

In this episode:

• Why there is no cookie-cutter approach to personal finance
• The foundations of achieving financial security
• Why you need to get clear on your goals and values
• How to break down your finances (survival, spending and success)
• The blueprint to your financial success

🎙️ Your host: Laura Ann Moore

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In this episode of the Mind Money Soul podcast, I’m going to be sharing how to stay motivated towards clearing your debt.

This episode was inspired by a gal who slid into my DM’s recently. She shared that she originally had 40K of debt and is now down to 5K of debt, however feels a serious lack of motivation to get her last chunk of debt cleared. Does this resonate with you? Sometimes it seems the closer you get to your goal, the harder it is. I’ll let you into a little secret…The driving force behind achieving your goals isn’t motivation. Tune in, because the advice inside this episode can be applied to clearing debt but also your life and other aspects of money. 

You need to stop passing control over to the hands of motivation. If you rely on motivation to be the sole thing that helps you achieve your dreams, goals and ambitions, hate to break to you but you’re fucked. Motivation comes and goes in alignment with your emotions, energy and thoughts on any given day, and what rocky territory this is to be. We need strong foundations and we need to rely on action. The focus of working towards our goals and dreams needs to be in the hands of discipline, action, habits and systems. It’s here that you will achieve financial freedom, whatever that means to you.

In this episode:

• What happens when you rely solely on motivation to reach your goals
• What you need to be focus on instead to achieve your dreams
• What habits and systems you need in place to clear your debt
• How to change your language to get ahead in life
• 3 tips on how to successfully clear your debt

🎙️ Your host: Laura Ann Moore

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In this episode of the Mind Money Soul podcast, I’m going to be sharing my experience with money as a single woman.

I think it’s really important to talk about the intersectionality between money and your relationship status. Take me, I’m 30 years old, I’ve been single my whole life and there’s been countless times that I’ve considered my finances as a single gal. It's not surprising that a lot of single women worry about their finances. To add to this worry, women are already financially behind in society because of the gender wealth gap including pay, pension and investing.

There are physical costs associated with being single that get removed or lessened when you form a relationship, for example; splitting the cost of a wedding gift, a hotel room on holiday or a taxi home. Then, there's the mindset element. When you're in a relationship, there's a portion of your financial worries that get halved. These can be financial worries in the moment like losing your job, or financial worries about the future such as affording retirement or buying property. This is why as a single gal it's fundamental to learn how to invest so that you can work towards your financial freedom, independence and security, and ultimately protect yourself regardless of your relationship status.

In this episode:

• The intersectionality between money and your relationship status
• Why single women worry about their finances
• Why investing as a single gal is crucial
• Why women are financially behind in society
• The extra costs associated with being single
• How being single can help you form an abundant mindset

🎙️ Your host: Laura Ann Moore

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In this episode of the Mind Money Soul podcast, I’m going to be sharing how to get out of your spending era. 

Do you feel like you've been in an era of spending loads of money? Your bank balance is evaporating before your eyes, money is coming out quicker than it’s coming in and you’re ready to step into your good money management era. Sounding all too familiar? I got you. In today’s quick fire ep, I’m sharing my 5 tips on how to reign in your spending and exactly what you need to do to tap into your higher self and become financially free.

Caveat to this, if you are in your spending era, it’s not necessarily a bad thing. Sometimes if you've been saving or investing, and you've been consistent and committed for a while, it's ok to go through a period of spending money. I believe that balance is not just 50/50 for life. It’s knowing that sometimes you’re going to save and invest more because you’re working towards a big happy goal, and sometimes you're going to spend more because you’re simply enjoying your life and money. The sweet spot (and what you should all be aiming towards) is understanding how to be mindful and happy with your choices and what you prioritise.

In this episode:

• How reconnecting with your ‘why’ will transform your spending
• How to realign with your financial goal
• Why you need to organise a money date this month
• How to automate your savings, starting with just £10
• Why you should create a daily practice to improve your money management

🎙️ Your host: Laura Ann Moore

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In this episode of the Mind Money Soul podcast, I’m going to be sharing how to stop letting your money go.

Are you sick of feeling like your money is constantly slipping through your fingers? Does it disappear before you can even think about saving or investing? I get it, it can be hard to manage your money, especially when there are so many moving parts. There’s a lot of factors that can impact your money management; the economy, inflation, being single or a business owner, etc. Which is why it’s so important to shift as things change for you. It’s about not getting caught up, overwhelmed or lost in your finances. It’s about being intentional, aware and able to recognise habitual things in the present moment that will help your future self.

If you want to become financially independent, you need to learn how to grow and manage your money by building an abudance mindset and trusting yourself. To start on this journey, you need to take small actions to manage your money. This could look like commiting to monthly money dates, showing yourself that you're good with your finances and tracking your spending. These actions will build up your identity and behaviour over time, and little by little each day you'll become a step closer to a version of yourself that's good with money, financially free and empowered.

In this episode:

• Tip #1 | Track your spending
• Tip #2 | Change your identity
• Tip #3 | Build trust

🎙️ Your host: Laura Ann Moore

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