The Wallet

Joining me today is Helen Driver, ex-fund manager who spent 20 years in the City and founder of Moneyready, an interactive financial education platform for children and parents. Her mission is to ensure the next generation is ready to face their financial futures with confidence. 

Together, we take a look at how parents can start introducing financial concepts (such as delayed gratification, budgeting and saving), helpful tools to use, and how to build up a young person's knowledge and money skills over time. We also talk about saving for children and how and when to start. If you don’t have kids, don't worry -- this episode is still relevant because it’s full of life-changing financial tips!

Connect with Helen at: 

• Moneyready: www.moneyready.org
• Instagram: www.instagram.com/miss_moneyready 

Resources:

• Financial education textbook: Your Money Matters for secondary schools funded by Martin Lewis: https://www.young-enterprise.org.uk/teachers-hub/financial-education/resources-hub/financial-education-textbook/ 
• Reading List: Charlie and the Chocolate Factory by Roald Dahl, The Tortoise and the Hare, The Emperor's New Clothes, Billionaire Boy by David Walliams.
• Revolut Junior Card: https://www.revolut.com/get-junior-card 
• Go Henry https://www.gohenry.com/uk
• Junior Individual Savings Accounts (ISA): https://www.gov.uk/junior-individual-savings-accounts
• Saving for children: https://www.moneyadviceservice.org.uk/en/articles/childrens-savings-options 
• Gifts and exemptions from Inheritance Tax: https://www.moneyadviceservice.org.uk/en/articles/gifts-and-exemptions-from-inheritance-tax 

You can learn more about Vestpod and subscribe to our newsletter here: https://www.vestpod.com. You can follow us on Instagram @vestpod and join our Facebook group. My book is available to purchase from Amazon and your favourite bookshop.

* 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. You are advised to consult with an independent financial advisor for advice on your specific circumstances.*

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It’s likely that when you start a business, you’ll need some money to get up and running. 

You might initially need to invest in equipment or stock, or maybe you’ve grown your business to a point where you need some cash to be able to scale to the next level. 

When it comes to getting money into your business, there are so many options out there from bootstrapping, getting a loan or a grant, crowdfunding to finding angel investors, but it can be hard to know where to start, how to navigate the process and how to know which direction is best for your business.

Joining me today is Fleur Emery, startup expert and founder of Real Work, an online co-working space for women. Fleur has a wealth of experience when it comes to raising funds for businesses, and today, she shares with me 10 practical ways you can take money into your small business. 

We take a look at what options are available, we break down some of the jargon associated with each one and look at both the pros and cons to give you an idea of which route could work for you. 

You can follow and connect with Fleur at:

• Real Work: https://www.doreal.work/
• Instagram: https://www.instagram.com/doreal.work/

Fleur shared some great resources in this episode. All the links are below:

• Small Change: https://www.smallchangeuk.org/
• UK Government Grants: https://www.gov.uk/business-finance-support?types_of_support%5B%5D=grant
• Reward Crowdfunding Platforms: Indiegogo, Kickstarter, Crowdfunder
• Merger between Crowdcube and Seedrs: https://www.cityam.com/crowdfunding-platforms-seedrs-and-crowdcube-announce-plans-to-merge/
• FCA Crowdfunding and authorisation: https://www.fca.org.uk/firms/authorisation/when-required/crowdfunding
• The Wallet with June Angelides: How to get funding for your business
• Rosa Bloom: https://www.rosabloom.com/

You can learn more about Vestpod and subscribe to our newsletter here: https://www.vestpod.com. You can follow us on Instagram @vestpod and join our Facebook group. My book is available to purchase from Amazon and your favourite bookshop.

* 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. 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.

Many of us are trying to consume less, eat less meat, recycle, limit the number of flights we take to have a positive impact on the environment. 

However it is estimated that of the “£3 trillion invested in UK pensions, a lot of it funds harmful industries like fossil fuels, tobacco, and arms”, according to Make My Money Matter. 

With workplace pensions, it’s sometimes hard to know where your money is being invested which could be conflicting with your personal beliefs, but there is huge potential for this money to be used for positive change. 

Joining me today is Georgia Stewart, the co-founder of Tumelo, an impact-focused financial technology firm. Her mission is to enable investors and pension members to benefit from a more sustainable investment system, giving a voice to shareholders and full transparency as to where their money is being invested. 

We look at how you can make sustainable choices with your investments and how to get started investing in companies and causes you care about. 

*Remember: the value of investments can go down as well as up so you may get back less than you invest. Always do your own research - and note that what we discussed in the podcast is not a personal recommendation for any particular investment.*

You can follow and connect with Georgia at:

• Tumelo: https://www.tumelo.com/ 
• Twitter: https://twitter.com/tumelohq 

Georgia shared some great resources in this episode. All the links are below:

• Make My Money Matter by Richard Curtis: https://makemymoneymatter.co.uk/
• The Positive Change Fund by Baillie Gifford: https://www.bailliegifford.com/en/uk/individual-investors/funds/positive-change-fund/
• The Big Exchange: https://www.bigexchange.com/
• The Pensions Regulator: https://www.thepensionsregulator.gov.uk/en
• The Investment Association: https://www.theia.org/

You can learn more about Vestpod and subscribe to our newsletter here: https://www.vestpod.com. You can follow us on Instagram @vestpod and join our Facebook group. My book is available to purchase from Amazon and your favourite bookshop.

* 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. 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.

Joining me today is Lottie Leefe, founder of The Dura Society and a financial advisor who is helping women through different stages of life to improve and take control of their wealth and wellbeing. 

Together we cover what you should consider before making joint financial decisions, as well as providing valuable guidance on being financially prepared for the unexpected (wills, pension beneficiaries, insurances). We also talk about how to look after yourself when you end up in challenging situations such as debt, economic abuse or divorce.

Resources:

• FIRE movement means “Financial Independence, Retire Early”
• Women in Finance Charter: https://www.gov.uk/government/publications/women-in-finance-charter
• Will Aid: https://www.willaid.org.uk/
• How to check your credit score: https://www.moneysavingexpert.com/loans/check-free-credit-report/
• Free Wills Month: https://freewillsmonth.org.uk/ 
• Pension beneficiaries: https://www.pensionwise.gov.uk/en/when-you-die
• Insurances: https://www.moneyadviceservice.org.uk/en/categories/life-and-protection-insurance 
• Surviving Economic Abuse: https://survivingeconomicabuse.org
• Find an adviser: Unbiased (https://www.unbiased.co.uk/), VouchedFor (https://www.vouchedfor.co.uk/) and Find A Wealth Manager (https://www.findawealthmanager.com/)

You can follow and connect with Lottie at:

• The Dura Society: www.thedurasociety.com
• Instagram: @thedurasociety

You can learn more about Vestpod and subscribe to our newsletter here: https://www.vestpod.com. You can follow us on Instagram @vestpod and join our Facebook group. My book is available to purchase from Amazon and your favourite bookshop.

* 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. 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.

Elizabeth Uviebinené is a brand strategist, columnist for the Financial Times & co-author of the award winning book Slay in Your Lane: The Black Girl Bible. 

From a multi-title book deal, to accompanying podcasts and live events ‘Slay in Your Lane’ has become an empowering movement for Black British women. 

Today on The Wallet, we take a deep dive into Elizabeth’s inspiring journey since the success of Slay in Your Lane. 

We talk about her experiences navigating the corporate workplace as a young black woman, her relationship with money and the benefits she is discovering as a freelancer. 

With self employment on the rise we take a look at what’s going on in the workplace and why   many women, and in particular women in marginalised groups are opting to work for themselves.

Books:

• Slay In Your Lane: The Black Girl Bible and The Journal
• Loud Black Girls: 20 Black Women Writers Ask: What’s Next? is out now available in all good bookshops and online. 
• Keep an eye out for Elizabeth’s next book The Reset: Why Isn’t Work Working, What’s Next? Which will be out March 2021. 

You can follow and connect with Elizabeth at:

• Linkedin Elizabeth-Uviebinené
• Twitter  @lizuvie
• Instagram @elizabethuviebinene

You can learn more about Vestpod and subscribe to our newsletter here: https://www.vestpod.com. You can follow us on Instagram @vestpod and join our Facebook group. My book is available to purchase from Amazon and your favourite bookshop.

* 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. 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.

The UK Rose Review recently highlighted that only 1% of all venture funding goes to businesses founded by all-female teams. 

The British Business Bank’s UK Venture Capital & Female Founders report found that “for every £1 of VC investment, all-female founder teams get less than 1p.”

So we know there is a real need for funding to be directed towards female entrepreneurs, but how do we get more money for women-led businesses? 

Joining me today is June Angelides, an early stage investor at Samos Investments and an entrepreneur herself, as founder of the social enterprise, Mums in Technology, which was the first child-friendly coding school in the UK. 

June is a Mum, a Wife, a Founder, an Investor and an all round role model passionate about using her influence to create opportunities for under-represented groups in tech and getting more money into the hands of female founders. 

In this episode June gives us a behind the scenes look at the role of an investor (she’s a venture capitalist), what the funding process entails for both founders and investors and where to start if you’re considering funding for your business. 

 You can connect with June and see more of her work at; 

• Instagram @juneangelides
• Twitter @JuneAngelides

You can learn more about Vestpod and subscribe to our newsletter here: https://www.vestpod.com. You can follow us on Instagram @vestpod and join our Facebook group. My book is available to purchase from Amazon and your favourite bookshop.

* 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. 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.

How do you feel when you're checking your bank balance or when you receive a bill in the post? 

Money and emotions often go hand in hand so when it comes to confronting our finances we can feel anxious or stressed, but how can we start to overcome our financial fears? 

Joining me today is Bola Sol, financial wellness coach, influencer and podcaster, who is passionate about helping women look their finances in the face and installing financial confidence in them through budgeting, saving and building a positive attitude towards money. 

Bola shares some of her own financial journey with me, what she has learnt so far and where to start if you’re looking to take the first steps towards financial independence.

***

Bola has some great recommended resources that she shares in this episode, you can find them on the links below;

• Rich Dad Poor Dad by Robert T. Kiyosaki
• The Rules of Wealth by Richard Templar 
• Money: A User's Guide: The Sunday Times Bestseller by Laura Whateley
• Open Up: Why Talking About Money Will Change Your Life by Alex Holder

 You can connect with Bola at 

• Instagram @Bola_Sol
• Twitter @Bola_Col
• Podcast The Last Three Digits 

And keep an eye out for Bola’s own book announcement coming very soon! 

You can learn more about Vestpod and subscribe to our newsletter here: https://www.vestpod.com. You can follow us on Instagram @vestpod and join our Facebook group. My book is available to purchase from Amazon and your favourite bookshop.

* 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. 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.

My guest today is Lauren Armes, CEO, entrepreneur, and business coach, helping super cool experts in the wellness industry to make their mark, dream big and create a mindset ready for success and abundance.

Lauren shares how she crushed her own stories of self doubt, and how she continues to practise a positive money mindset while building a business that supports her life goals. 

You can connect with Lauren and learn more about coaching and wellness work at; 

• Instagram @laurenarmes and Twitter @laurenarmes_ 
• Welltodo: www.welltodoglobal.com
• Lauren website: www.laurenarmes.co

Some of the great resources Lauren recommends in this episode can be found on the links below. 

• How rich people think by Steve Siebold 
• Secrets of the Millionaire Mind: Mastering the Inner Game of Wealth by T. Harv Eker 
• The Secrets of getting rich by Wallace D. Wattles 
• Unshakeable: Your guide to financial freedom by Tony Robbins 
• The Lucky Bitch Podcast Denise Duffield-Thomas 

You can learn more about Vestpod and subscribe to our newsletter here: https://www.vestpod.com

You can follow us on Instagram @vestpod and join our Facebook group https://www.facebook.com/vestpod/

My book is available to purchase from Amazon and your favourite bookshop.

* 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. 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.

If you suddenly inherited money, would you know what to do with it? Most people don't, and neither did Ruth Taylor, who inherited a significant sum from a friend. 

With money comes responsibility, especially when it used to belong to someone else. It takes a lot of research, learning and even soul-searching to understand the practicalities of managing an unexpected sum of cash.

Ruth Taylor spoke to Vestpod about how she set out to embark on this accelerated financial literacy journey essentially from scratch: from inheriting the money, working with a financial adviser and making this money work harder with investing. Ruth's now arrived at a point where she feels comfortable in her decisions - but it wasn't always easy. We talk about emotions around money, risk, financial privilege, pension gap and practically how to overcome main barriers to investing for women, autosaving, pensions, investing for the first time and looking at your investments and so much more! 

You can learn more about Vestpod and subscribe to our newsletter here: https://www.vestpod.com/

You can follow us on Instagram @vestpod and join our Facebook group.

My book is available to purchase from Amazon and your favourite bookshop.

* 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. 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.

Are you looking to buy your first property but you don’t know where to start? Maybe you already have some savings and you want to learn more about the mortgage process? And what about the costs that follow after you’ve purchased your first home, how do you decorate on a shoestring budget? 

Jade Vanriel is a property influencer who became a homeowner at the age of 23 without financial help from her parents. She first started working aged 16 and saved until she had enough for a deposit, making sacrifices along the way to reach her goal of buying her first property. 

Today, Jade shares her early financial memories that shaped her money mindset and the simple habits she adopted to help her save money and get on the property ladder as soon as possible. 

We talk about how to be in the best position to get your first mortgage, the home buying process and some mistakes you can easily avoid - like getting too emotionally attached to a property before it’s yours. 

Jade believes “everyone can buy a property” - so if you’re dreaming of owning your own place Jade’s super inspiring journey will empower you to get on the property ladder. 

You can see more of Jade’s story at;

• Instagram: @jadevanrielx & @vanrielhome
• YouTube: Jade Vanriel 

Jade has some recommended resources for learning more about the property market and mortgages that she shares in this episode, you can find them on the links below;

• Money Supermarket 
• Instagram: Propertycohort 

You can learn more about Vestpod and subscribe to our newsletter here: https://www.vestpod.com

You can follow us on Instagram @vestpod and join our Facebook group.

My book is available to purchase from Amazon and your favourite bookshop.

* 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. 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.