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In this episode, we’re joined by Elvire Matu, aka SaveWithElvs, the go-to plug for money-saving hacks, smart spending tips, and real-life cheat codes for surviving (and thriving) in 2025.

From travel deals and cashback apps to lifestyle traps and common money leaks, Elvire is breaking down how to stretch your cash without shrinking your lifestyle.

💡 We cover:

• The biggest spending mistakes people make without realising
• The apps and browser hacks Elvire swears by
• How to afford more without earning more
• Whether £10 coffees, girl math, and soft life spending are actually that deep
• How to still live well when the cost of living is costing your whole paycheck

Plus, she shares the one money move she’ll never regret — and the one she’d absolutely bin if she could go back.

If your bank balance resets to £0 by the 15th of every month, this episode is your sign!

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Website - www.penniestopounds.co.uk

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In this episode, writer, financial educator and all-around gem Anna Brading joins Kia to unpack the real link between money and confidence, why financial advice often leaves women behind, and what it actually takes to rewrite your money story in your 20s and 30s.

From early money trauma to navigating imposter syndrome and building a life on your own terms, Anna shares the lessons she’s learned and the bold decisions that changed everything.

We talk about:

• Why your confidence shouldn’t depend on your bank balance
• The quiet financial decisions that actually build freedom
• Owning your story, even when it feels messy or late
• What inspired Anna’s new book 'Money Mentor' — and how it redefines success

Whether you’re in your broke era, healing era, or boss era — this one’s for you.

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LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds
Website - www.penniestopounds.co.uk

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In this episode of Pennies to Pounds, Kia unpacks what it really means to enjoy life without sabotaging your financial future. Forget the old-school advice about constant sacrifice — this one’s about balance, strategy and enjoyment.

Here’s what you’ll get:

• Smart ways to enjoy luxury on a budget (yes, including travel)
• The spending hack that keeps guilt out of your purchases
• Why a little planning goes a long way with flights, hotels and upgrades
• How to make your lifestyle work for your money, not against it

Learn how to build wealth and live well.

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FOLLOW PENNIES TO POUNDS 💸
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LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds
Website - www.penniestopounds.co.uk

Contact - [email protected]

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The finance world is being transformed by artificial intelligence, with 73% of Gen Z and millennials now trusting AI more than human financial advisors to manage their money. This episode explores how AI can work for you rather than replace you.

APPS MENTIONED:

• Cleo - https://web.meetcleo.com/
• Emma - https://emma.to/kiacommodore
• Plum - https://friends.withplum.com/r/x92P009iFM
• Freetrade - https://magic.freetrade.io/join/kia/07e18a08
• Moneybox - https://www.moneyboxapp.com/
• Pennies To Pounds AI Money Coach - https://stan.store/penniestopounds/p/your-ai-money-coach--by-pennies-to-pounds

If you're interested in trying AI-powered financial tools or have questions about which ones might work best for you, DM us @penniestopoundspod for personalised recommendations.

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FOLLOW PENNIES TO POUNDS 💸
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LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds
Website - www.penniestopounds.co.uk

Contact - [email protected]

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This episode features an entrepreneurial journey filled with financial challenges, moments of doubt, and unexpected breakthroughs that keep dreamers moving forward. Priscilla shares her personal story of building a children's book series while balancing financial struggles and maintaining faith in her vision.

We discuss:

Turning something you love into a business can bring unexpected challenges that make it harder to enjoy at first
Money problems can be challenging to handle and can seriously affect your mental health
Key moments and the right people can completely change the direction of your business
The importance of reaching out and connecting with others, even when success feels far away
Building something that lasts takes time, patience, and a lot of hard work.
Sometimes, just one person believing in your actions is enough to keep you going.

If you enjoyed this episode, follow The Anaiyah Series on Instagram at @theanaiyahseries or visit theanaiyahseries.com to learn more about Priscilla's children's books and upcoming animation series.

• Purchase 'How To Handle Money' - https://amzn.eu/d/gjomK0T

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FOLLOW PENNIES TO POUNDS 💸
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LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds
Website - www.penniestopounds.co.uk

Contact - [email protected]

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In this episode, we’re diving deep into why financial protection is non-negotiable and how to safeguard your future with the right insurance. We’ll break down key areas like income protection, life insurance, and critical illness coverage so you can make informed choices about your financial security.

Here’s what we’re unpacking:

• Why the unexpected can happen anytime, and how to be prepared.
• The importance of income protection and how it keeps you covered if things go wrong.
• What life insurance does and why it’s essential, even if you think you’re too young.
• Why critical illness cover is a game-changer — and why everyone needs it.
• Busting common myths about insurance that could cost you down the line.
• Tips on how to find the right financial advisor or broker to guide you through the process.

Ready to protect your future? For more personalised advice, contact Adrian Benjamin for a free consultation on social media.

FOLLOW ADRIAN:
💰 Instagram: https://www.instagram.com/adrian1b1/
💰 LinkedIn: https://www.linkedin.com/in/adrian-benjamin-cemap/
💰 Facebook: https://www.facebook.com/profile.php?id=61556540363988

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FOLLOW PENNIES TO POUNDS 💸
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TikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1
LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds
Website - www.penniestopounds.co.uk

Contact - [email protected]

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In this episode, we’re exploring Cashblack, a game-changing cashback platform supporting Black-owned businesses and fostering community growth.

We explore the platform’s origins, born from a pivotal social moment, and how it’s changing how we shop while empowering communities. You’ll hear about how Cashblack works, what makes it stand out, and the innovative strategies behind building trust with users and established brands.

Key highlights include:
• The origin story of Cashblack and how it came to life during a key social moment
• A breakdown of how Cashblack works and its unique selling points
• The power of trust-building through strategic partnerships
• The challenges Cashblack has faced on its entrepreneurial journey
• The vital role of community feedback and engagement in shaping the platform
• Exciting upcoming features and plans for expanding the Cashblack experience

This episode is packed with insights into how one platform makes a real difference and paves the way for future growth and economic empowerment.

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LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds
Website - www.penniestopounds.co.uk

Contact - [email protected]

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In this episode, we explore the benefits of automating your finances and focus on the mindset shifts needed to embrace this approach. Laura Ann Moore, a money mindset expert, shares insights on the emotional hurdles surrounding financial automation and practical steps listeners can take to create a healthier relationship with money. We cover:

• Understanding the concept of money on autopilot 
• Importance of mindset when managing finances 
• Overcoming fear of losing control through automation 
• Steps to set up (and revisit) automation effectively 
• Encouraging open money conversations in relationships 
• Embracing a positive financial mindset for long-term success

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FOLLOW PENNIES TO POUNDS 💸
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LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds
Website - www.penniestopounds.co.uk

Contact - [email protected]

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Just graduated and ready to take control of your finances? This episode is packed with the essential money moves you need to crush your career and financial goals from day one.

Here’s what we’re covering:

• Unlock your future: Why workplace pensions are your secret weapon for long-term savings.
• Invest in YOU: Explore employer-backed opportunities to grow your skills and income.
• Meal prep vs. eating out: How everyday choices can save you big bucks.
• Plan your next move: Set yourself up for career and salary growth right from the start.

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FOLLOW PENNIES TO POUNDS 💸
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LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds
Website - www.penniestopounds.co.uk

Contact - [email protected]

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In this festive episode, we’re offering all the tips you need to master your money in 2025—without sacrificing the fun. From breaking down budgeting methods that actually work to showing you how to track every penny (even in a cashless world), this episode is your ultimate guide to balancing smart spending with guilt-free enjoyment. 💸

Here’s what we’re unpacking:
• The 50/30/20 method and why it’s a game-changer
• Zero-based budgeting for ultimate money control
• How to adapt the cash envelope system in today’s digital world
• Our fave budgeting tools—pen and paper, spreadsheets, apps, you name it!
• Why monthly budget reviews keep your money aligned with your life
• Automating your savings for a stress-free future
• Clever ways to categorise expenses for crystal-clear visibility
• And, of course, creating a fun fund to treat yourself guilt-free!

Prepare to make budgeting simple, stress-free, and even fun!

Support the show

FOLLOW PENNIES TO POUNDS 💸
Instagram - https://www.instagram.com/penniestopoundspod/
Twitter - https://twitter.com/penniestopound
TikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1
LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds
Website - www.penniestopounds.co.uk

Contact - [email protected]