Feeling uncertain about protecting your finances as a freelancer? In today’s episode, we’re diving into risk management—a crucial but often overlooked part of financial planning for self-employed professionals.

From income protection and business insurance to emergency funds, having the right safeguards in place can make all the difference when life throws the unexpected at you.

I’m joined by Zoe Brett, a financial planner at EQ Investors, who will break down:

✅ The key types of insurance freelancers should consider

✅ How to balance costs with the right level of protection

✅ Practical ways to build an emergency fund—even when your income fluctuates

For more resources, including links to Zoe’s website and social media, check out the episode page.

If you found this helpful, make sure to listen to our next episode for more expert tips on managing your finances as a freelancer!  

If you liked this episode, discover the full series.

#ad Listen to PensionBee’s monthly podcast, The Pension Confident Podcast to better understand the world of personal finance and pensions: 

Connect with Emilie:

• Sign up to The Edit newsletter
• Follow Vestpod on Instagram
• Enroll in our upcoming bootcamps
• Get Emilie’s book: You’re Not Broke, You’re Pre-Rich

#ad Thank you to our partner PensionBee. With PensionBee you can combine, contribute and withdraw online. Take control of your pension, so that you can enjoy a happy retirement and join over 265,000 customers saving with PensionBee. When investing, your capital is at risk.

Hosted on Acast. See acast.com/privacy for more information.

Today, we’re tackling a topic that’s essential but often overwhelming: freelance contracts. Contracts can feel like a maze, but they’re crucial for protecting your work, setting clear expectations, and getting paid.

Joining me is Lucy Wheeler, a lawyer specialising in helping freelancers and small business owners navigate legal essentials. We’ll cover must-have clauses, when to consult a lawyer, how to protect your intellectual property, and what to do if a client doesn’t pay.

For more resources, including links to Lucy’s website and social media, check out the episode page.  

If you found this helpful, make sure to listen to our next episode for more expert tips on managing your finances as a freelancer!  

If you liked this episode, discover the full series.

#ad Listen to PensionBee’s monthly podcast, The Pension Confident Podcast to better understand the world of personal finance and pensions: 

Connect with Emilie:

• Sign up to The Edit newsletter
• Follow Vestpod on Instagram
• Enroll in our upcoming bootcamps
• Get Emilie’s book: You’re Not Broke, You’re Pre-Rich

#ad Thank you to our partner PensionBee. With PensionBee you can combine, contribute and withdraw online. Take control of your pension, so that you can enjoy a happy retirement and join over 265,000 customers saving with PensionBee. When investing, your capital is at risk.

Hosted on Acast. See acast.com/privacy for more information.

Feeling uncertain about your business setup? In today’s episode, we’re tackling one of the biggest decisions for freelancers in the UK—should you be a sole trader or set up a limited company?  

I’m joined by Janet Knapton, a Chartered Accountant and expert in helping freelancers make smart, tax-efficient decisions. Janet breaks down the pros and cons of both structures, helping you decide which one is right for you and your business.  

You’ll get clear, simple, and actionable steps to make this crucial decision, and tips on staying tax-efficient while focusing on what matters most: growing your business.  

For more resources, including links to Janet Knapton’s website and social media, check out the episode page.  

If you found this helpful, make sure to listen to our next episode for more expert tips on managing your finances as a freelancer!  

If you liked this episode, discover the full series.

#ad Listen to PensionBee’s monthly podcast, The Pension Confident Podcast to better understand the world of personal finance and pensions: 

Connect with Emilie:

• Sign up to The Edit newsletter
• Follow Vestpod on Instagram
• Enroll in our upcoming bootcamps
• Get Emilie’s book: You’re Not Broke, You’re Pre-Rich

#ad Thank you to our partner PensionBee. With PensionBee you can combine, contribute and withdraw online. Take control of your pension, so that you can enjoy a happy retirement and join over 265,000 customers saving with PensionBee. When investing, your capital is at risk.

Hosted on Acast. See acast.com/privacy for more information.

It can feel easier to spend than invest (especially with Black Friday coming up). But investing really isn't hard once you understand the basics. That's why we're bringing back this popular myth-busting episode.

💸 Investing is key to building financial independence and reach long term goals. When you invest over a long period, you want your money to outpace inflation (the price of goods and services is increasing every year) and benefit from compound growth. While it’s essential to have ‘rainy day’ cash savings, playing it safe by stashing your money in low-interest-rate savings accounts is actually risky because that money will lose value over time.

💥 Today on The Wallet: 

1️⃣Investing can feel complex, laden with alienating jargon and sounds like something only others are good at – but I explain why this isn’t the case.

2️⃣Before you start investing, it’s vital you ask yourself how long you’re willing to invest for. The longer your timeframe, the more volatility you should be able to deal with because you’d have more time to recover from any lows. Start small and invest regularly.

3️⃣I explain why asking questions and giving yourself praise are super important to everyone’s investing journey. 

Resources mentioned in the episode:

• Vestpod POD groups: https://www.eventbrite.co.uk/o/vestpod-16058437670  
• Vestpod Facebook group: https://www.facebook.com/vestpod  
• Breaking Down Robo-Advisers And Understanding Your Investments: https://www.vestpod.com/news/2021/11/10/wallet-hotline-breaking-down-robo-advisers   
• The Wallet, Investing beats Day Trading: https://www.vestpod.com/news/2020/12/10/investing-beats-day-trading-f6q3   

I’m Emilie Bellet, the founder of Vestpod - a thriving community that financially empowers women, author of You’re Not Broke, You’re Pre-Rich and host of The Wallet! You can learn more about Vestpod, join our events and subscribe to our newsletter at www.vestpod.com and on Instagram @vestpod. Join our private Facebook group: @vestpod. 

Submit a question or a comment and email us a voicenote: [email protected].

* Please note that we are not certified, financial advisers! The articles and information made available on Vestpod and this podcast are provided for information and educational purposes only and do not constitute financial advice.*

Hosted on Acast. See acast.com/privacy for more information.

💸 According to the Bank of England (2020), "a typical UK household spends over £700 more in December compared to other months".⁠ December is almost upon us, so we're bringing back a hotline episode that will get you on track before Christmas! The pressure to spend money on countless presents, Christmas decorations and mountains of festive food can feel especially difficult. So how do we stay sane this season while still enjoying the holidays?

The Wallet is hosted by Emilie Bellet - founder of Vestpod (a platform that helps women to save and invest more and provides money resources to financially empower women) and author of You’re Not Broke, You’re Pre-Rich.

Vestpod:

IG https://www.instagram.com/vestpod/ 

FB https://www.facebook.com/vestpod  

Website https://www.vestpod.com/  

*We are not certified financial advisers. The information made available on this podcast is for educational purposes only and does not constitute financial advice.*

Hosted on Acast. See acast.com/privacy for more information.

☎️ Today, we answer a question from our listener Alexandra, who asks us about teaching children about money. I invited Helen Driver, Director of Collaboration at MyBnk charity, ex-fund manager and long-time Vestpod, to offer us her words of wisdom on the topic. 

💸 Money can feel like a taboo in a lot of households, but it’s important to broach the topic to help children feel financially confident in their futures. Helen shares 3 tips to help children develop better money habits, from making the right choices in the day to day to managing pocket money.

Today on The Wallet: 

1/ It all starts with simply integrating money into daily conversations with your kids, so Helen gives examples of how we can do that without making the subject too weighty.

2/ Pocket money is a powerful tool for learning about money, and Helen talks about why it’s important to let kids simply experience the process of spending and saving (and make mistakes along the way!). 

3/ Children learn by watching and listening to the behaviours that they see around them, and Helen explains what this means for parents and their own attitudes to money. 

You can follow and connect with Helen:

LinkedIn: https://uk.linkedin.com/in/helen-driver-5725b550 

MyBnk: https://www.mybnk.org/

Resources mentioned in the episode:

• Money Twist – KS1: https://www.mybnk.org/our-work/financial-education/money-twist-ks1/ 

I’m Emilie Bellet, the founder of Vestpod - a thriving community that financially empowers women, author of You’re Not Broke, You’re Pre-Rich and host of The Wallet! You can learn more about Vestpod, join our events and subscribe to our newsletter at www.vestpod.com and on Instagram @vestpod. Join our private Facebook group: @vestpod. 

We want to open up a direct conversation with you on the podcast. You can submit a proud money moment, a question or a comment on a previous episode. Just email me a voice memo at [email protected].

* Please note that we are not certified, financial advisers! The articles and information made available on Vestpod and this podcast are provided for information and educational purposes only and do not constitute financial advice.*

Hosted on Acast. See acast.com/privacy for more information.

Welcome to today’s episode, where we look into the highlights and implications of the Budget 2024. On October 30th, Chancellor Rachel Reeves (UK's first female chancellor!) presented Labour’s first Budget in 14 years, announcing significant changes that could impact your finances. 

CONNECT WITH VESTPOD

If you want to read the main takeaways from the episodes, subscribe to our newsletter: https://www.vestpod.com/subscribe 

Instagram: https://www.instagram.com/vestpod/ 

RESOURCES

Main takeaways: www.vestpod.com/news/the-wallet-podcast/budget-2024

DISCLAIMER

We are not certified financial advisers! The articles and information made available on Vestpod are provided for information and educational purposes only and do not constitute financial advice. You are advised to consult with an independent financial advisor for advice on your specific circumstances.

Hosted on Acast. See acast.com/privacy for more information.

We're back next week with a new episode for you, but until then enjoy one of our most popular hotlines all about investing!

💸 Investing is key to building financial independence and reach long term goals. When you invest over a long period, you want your money to outpace inflation (the price of goods and services is increasing every year) and benefit from compound growth. While it’s essential to have ‘rainy day’ cash savings, playing it safe by stashing your money in low-interest-rate savings accounts is actually risky because that money will lose value over time.

💥 Today on The Wallet: 

1️⃣Investing can feel complex, laden with alienating jargon and sounds like something only others are good at – but I explain why this isn’t the case.

2️⃣Before you start investing, it’s vital you ask yourself how long you’re willing to invest for. The longer your timeframe, the more volatility you should be able to deal with because you’d have more time to recover from any lows. Start small and invest regularly.

3️⃣I explain why asking questions and giving yourself praise are super important to everyone’s investing journey. 

Resource mentioned in the episode:

• The Wallet Live recording in London at Mortimer House: https://www.eventbrite.co.uk/e/live-podcast-recording-the-wallet-london-pod-tickets-305074946377 
• Vestpod POD groups: https://www.eventbrite.co.uk/o/vestpod-16058437670  
• Vestpod Facebook group: https://www.facebook.com/vestpod  
• Breaking Down Robo-Advisers And Understanding Your Investments: https://www.vestpod.com/news/2021/11/10/wallet-hotline-breaking-down-robo-advisers   
• The Wallet, Investing beats Day Trading: https://www.vestpod.com/news/2020/12/10/investing-beats-day-trading-f6q3   

I’m Emilie Bellet, the founder of Vestpod - a thriving community that financially empowers women, author of You’re Not Broke, You’re Pre-Rich and host of The Wallet! You can learn more about Vestpod, join our events and subscribe to our newsletter at www.vestpod.com and on Instagram @vestpod. Join our private Facebook group: @vestpod. 

*Please note that we are not certified, financial advisers! The articles and information made available on Vestpod and this podcast are provided for information and educational purposes only and do not constitute financial advice.*

Hosted on Acast. See acast.com/privacy for more information.

This week we're bringing you one of our most popular hotline episodes about emotional spending. With the holidays coming up, we thought this might be the perfect time to remind ourselves how emotions can affect our finances!

In today’s episode, we talk about emotional spending. With January sales in full swing, temptation to splurge is everywhere. And while spending impulsively on occasion is okay, it’s important to understand that the rush we get from shopping is short-lived. If you often find yourself having a hard time trying to control your spending, or impulse buying to improve your mood, it might be time to take a look at curbing the habit.

Today on The Wallet: 

1. Understand what emotional spending is and why it provides that all-too-familiar, albeit fleeting, feeling of the ‘shopper’s high’.

2. Find out why it’s important to be conscious of your emotions and the role they play in your spending.

3. Learn practical tips that will help reduce or completely stop your unintentional overspending. 

I’m Emilie Bellet, the founder of Vestpod.com - a thriving community that financially empowers women, author of You’re Not Broke, You’re Pre-Rich and host of The Wallet! You can learn more about Vestpod, join our events and subscribe to our newsletter at www.vestpod.com and on Instagram @vestpod. Join our private Facebook group: @vestpod. 

Be part of the podcast! You can submit a proud money moment, a question or a comment on a previous episode. Follow this link (https://telb.ee/abrzt) or email me your recording at [email protected].

* We are not certified financial advisers, information shared in this podcast is for educational purposes & does not constitute financial advice. Invest what you can afford only and for the long term.*

Hosted on Acast. See acast.com/privacy for more information.

We've had quite a few DMs recently from you about money mindset, so we thought we would bring back this popular episode from January 2024, all about how to cultivate a wealthy mindset!

💸 Looking to end the year on the right foot when it comes to your finances? In today’s Hotline episode - I’ll be helping you do exactly that, with practical tips to help you improve your finances in 2024. From cultivating a positive money mindset to practical strategies for saving and investing, we've got everything you need to make this your most financially successful year yet.

CONNECT WITH VESTPOD

To bring your brand to life in this podcast, email podcast(at)vestpod.com

If you want to read the main takeaways from the episodes, subscribe to our newsletter: https://www.vestpod.com/subscribe  

Instagram: https://www.instagram.com/vestpod/  

DISCLAIMER

We are not certified financial advisers! The articles and information made available on Vestpod are provided for information and educational purposes only and do not constitute financial advice. You are advised to consult with an independent financial advisor for advice on your specific circumstances.

Hosted on Acast. See acast.com/privacy for more information.