Hello lovely listeners! We're delighted to be back with brand new episodes of On The Money, discussing all things personal finance, careers, and lifestyle. In our first episode for a little while, we cover where we've been and why we're so excited for the new content we have to share with you.
 
Our money conversations haven't stopped whilst we've been away but we've decided to get back in front of the mics (and camera's now too!). After much reflection, what we've learned since where we left you is that money and finance are impossible to separate from the rest of our lives - it's so intertwined with our careers, our relationships, and our lifestyle. We're so proud of the 30+ episodes we've published so far packed with financial knowledge, but going forward we want to put this knowledge in the context of broader life and bring you actionable insights to help empower you to achieve both your financial and life goals. We'll still be sharing plenty of finance content, but alongside that we discuss topics such as starting a business, personal branding, managing finances with a partner, investing, mortgages, and arguably the topic we're most excited to announce - 'Career Crossroads'.
 
We are delighted to be announcing a new sub-series of episodes focused exclusively on careers, but hold on - this is different from most of the career content out there today. Why? Because these episodes are designed to support those interested in exploring careers and career change once they already have some experience in the world of work, or are looking to break into an industry at a later stage. We know how opaque lots of industries can be from the outside and we are on a mission to bring to light what people actually do day to day in their roles, what skills you need, how to break into the industry at a later stage, salaries, long term prospects, and everything else you could possibly want to know. These episodes will be peppered throughout our normal content and we know they're going to help you achieve your personal, professional, and financial goals.

So welcome back, and if you're new remember you can find all our previous episodes on Apple Podcasts, Spotify, or wherever you're listening to this podcast.

We are so excited to be BACK with an extra special mini series for you all on how to buy a property! This is a much requested topic and is for all of you who are thinking you might want to buy something in a few years time, through to those who are currently in the property buying process and secretly have no idea what’s going on. 

As we discuss in this episode there are lots of buyers in the market at the moment in part due to the stamp duty holiday. Whilst this expires at the end of June, some people will still pay reduced rates until the end of September. We discuss the end to end property purchase process, from what you’ll need before you put in an offer, to mortgage brokers, solicitors, surveys, exchange, and completion, and everything in between. 

This episode does not constitute investment, tax, legal or any other form of advice. Please look here for more details and our disclaimers: https://onthemoney.contactin.bio/

When it comes to money, it's not uncommon for individuals to have particular thoughts and feelings associated with money. These thoughts can be positive or negative, conscious or unconscious but no matter what, it can have a big influence on the way we handle our personal finance. 

In this episode, we are joined by Ayana, from the Millennial Money Guide, who will be helping us:
- Learn more about money mindset
- Understand what our mindset is
- Use it to our advantage when it comes to personal finance

You can find some great personal finance resources and inspiration on her Instagram, @millenialmoney.guide

This episode does not constitute investment, tax, legal or any other form of advice. Please look here for more details and our disclaimers: https://onthemoney.contactin.bio/

With Black Friday behind us and Christmas round the corner, finances might be a little tight and it's common for many of us to reach for our credit cards to help us in these instances. 

Credit cards can be a useful tool when used mindfully however there are also a few things to be aware when purchasing on your credit card. In this episode we'll be covering the:

• fundamentals of how credit cards work
• different types of credit cards and how best to use them
• things you should be mindful of when using your credit card

This episode does not constitute investment, tax, legal or any other form of advice. Please look here for more details and our disclaimers. If you are struggling with debit, below are a few organisations with resources and guidance to help you. 

• Citizens Advice
• StepChange Debt Charity
• National Debt Line

After all we've been through this year, this Christmas will probably also be (dare we say it) - unprecedented. In this episode we discuss ways to make this year special for the right reasons, whilst saving yourself money and time:

- Embracing minimalism to give meaningful gifts without generating more physical and mental clutter
- Gift inspiration if you're struggling!
- How to stay on budget, but not be TOO drawn in by Black Friday

Resources mentioned: 
@theminimalists 
@weratedogs (thank us later)
@olio.app
@idealio.uk

On The Money aims to help both genders improve their financial wellbeing, but we can’t ignore the clear disparities between genders in investing, earnings, pensions and financial confidence and understanding. This episode we are really excited to be joined by Prerna who founded This Girl Invests, whose goal it is to help women feel financially confident through education and creating a community of like-minded individuals, and Shirin, co- founder of South Asian Sisters Speak, who create safe spaces for South Asian women to share their experiences.

In this episode we discuss:
- Where risk preference comes from
- The gender pay gap and the reasons behind it
- Flexible working and the impact of COVID-19
- What we can do to help rectify the balance and improve things for everyone

To find out more about This Girl Invests or South Asian Sisters Speak, find them on Instagram at @thisgirlinvests and @weare_sass respectively.

When used knowingly, debt can be a useful tool to help pay for large expenses over time and even get out of difficult financial situations. However without a clear strategy for repayment, it can quickly feel like your debt is getting out of hand. Therefore becoming debt-free is a common and important financial goal for many and is often the first step to improving your financial wellbeing. 

Today we're joined by Cheryl, Founder of the Debt Free community and The Frugal Me Free blog, who will be sharing with us:
- Her experiences during her own debt free journey 
- How to stay motivated as you strive to become debt free
- Tips on reducing your spending day to day

You can find more resources from Frugal Me Free below: 

• Instagram
• Youtube

This episode does not constitute investment, tax, legal or any other form of advice. Please look here for more details and our disclaimers.

In this episode we reflect on what we've learnt about our finances under COVID-19 and lockdown in 2020. It's been a very unusual year and many people are thinking differently about their finances. We want to make sure we navigate the current situation as best as possible and have rounded up our thoughts so far in this episode, so grab a cuppa and join us in reflecting on:

- What we've learnt about our own finances in lockdown
- What we wish we'd done differently
- What we will take forward to more 'normal' times
- What we should be doing going forwards to protect our finances 

This episode does not constitute investment, tax, legal or any other form of advice. Please look here for more details and our disclaimers: https://onthemoney.contactin.bio/

Welcome to Part 2 of our conversation with Lauren Burrows from Money to the Masses. In this episode we continue our discussion of the key things to think about in your 20s to nail your personal finance, including:

- Lauren's own experience of paying off debt
- What you actually need to do with your pension now
- The all important one: how to get a pay rise

This episode does not constitute investment, tax, legal or any other form of advice. Please look here for more details and our disclaimers: https://onthemoney.contactin.bio/

We know there's so much to think about in your 20s, so we wanted to bring to life the key things to focus on during this period of your journey. We are delighted to be joined for a special two-part episode by Lauren Burrows from Money to the Masses to help us do just that. Money to the Masses have a fantastic podcast, and Lauren’s Millennial Money series really speaks to the key challenges we may face in our 20s. 

In Part 1 of this episode we discuss:

- Budgeting to make sure you enjoy your money
- Bills to think about when you first move out
- Purposeful spending and paying yourself first
- Emergency funds
- How to improve your credit score 

This episode does not constitute investment, tax, legal or any other form of advice. Please look here for more details and our disclaimers: https://onthemoney.contactin.bio/