99. Making Conscious Money Choices in 2024 and Beyond

We're back with another episode for first-time buyers! On Thursday 24th August 2023, we hosted an event in London at the Samsung KX building dedicated to debunking the first-time homebuyer journey.

This was the final panel of the night with London solo buyer Ayo and couple Alex and Cameron who bought in East London.  Filled with a lot of useful tips and insight, hope you enjoy this episode!

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When you think about a professional dancer, does the image of a financial whiz come to mind? For Susie, this week's podcast guest, this unlikely transition from the stage to spreadsheets is her reality. Susie Italiano, the finance fairy godmother for small charities and creative freelancers, shares how to calculate your minimum monthly spend, the benefits of an emergency fund, and ways to diversify your income.

• Visit The Idle Money Blog Website - https://idlemoneyblog.com/
• Learn more about the courses available - https://idlemoneyblog.com/my-offer/

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In this episode, we're discussing Life Insurance and the importance of having insurance policies to protect your finances. To do this, we're joined by Insurance Advisor Ella or Ella Ensures who breaks down the different types of policies available and at which points in life you should consider taking them out.

FOLLOW ELLA:
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This episode is filled with insights from Topsy Taiwo, the property guru behind Property Purchaser, guiding us through the Right to Buy scheme. We also explore the process of going from buying your first home to your next home - schemes available, the process, and how to find a good estate agent.

• Get Topsy's Book - https://payhip.com/b/4DwuT
• Follow Topsy on Instagram - https://www.instagram.com/topsytaiwo/
• Follow Property Purchaser on Instagram - https://www.instagram.com/propertypurchaser/

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Happy New Year everyone! As we're heading straight into 2024, the first episode of the year is discussing how you can make conscious money decisions to reach your financial goals this year.

TOPICS COVERED:

• Discovering your financial values
• Setting realistic financial goals
• Creating a useful budget
• Mindful spending and consumerism

- Listen to the episode with Andrea to discover how to shop fashion sustainably here.

- Download the budgeting app Emma - https://emma.to/kiacommodore

- Download the Pennies To Pounds Budget Spreadsheet - https://www.penniestopounds.co.uk/product/budget-spreadsheet

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Website - www.penniestopounds.co.uk

Contact - info@penniestopounds.co.uk

Looking to make savings this Black Friday and Cyber Monday? This episode is not just about the nuts and bolts of smart shopping. It's about real-life experiences and strategies we've picked up along the way. PLUS we discuss Travel Tuesday - the little-known opportunity for discounted travel!

WEBSITES MENTIONED:

• Google Shopping - https://www.google.com/shopping?hl=en
• TopCashback -
  https://www.topcashback.co.uk/ref/whatzitoya
• Quidco - https://www.quidco.com/raf/3561322/
• CamelCamelCamel - https://uk.camelcamelcamel.com/
• HotUKDeals - https://www.hotukdeals.com/
• RetailMeNot - https://www.retailmenot.com/

OUR IN-PERSON EVENT, 14th DECEMBER 2023 - https://www.eventbrite.co.uk/e/new-year-wealthier-you-tickets-750767986257?aff=oddtdtcreator

*some links may be affiliate links

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Website - www.penniestopounds.co.uk

Contact - info@penniestopounds.co.uk

Ready to take charge of your financial future and build generational wealth? Sharing my personal journey, this episode is packed with actionable steps for those in their 20s, 30s, and beyond. 

Discussing methods to build your wealth, how to set clear financial goals as well as how to approach saving and investing for the long-term. This is the podcast that you need to listen to if you want to grow your assets!

• Budget Spreadsheet - https://www.penniestopounds.co.uk/product/budget-spreadsheet

*This episode is not financial advice*

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Contact - info@penniestopounds.co.uk

In this episode, we delve into the basics of investing and explore the significance of clear financial goals, the necessity of an emergency fund, and various investment strategies. From buying individual stocks and shares to pouring your money into investment funds, we've got you covered. 

INVESTMENT PLATFORMS MENTIONED:

• Wealthify - https://www.wealthify.com/
• Hargreaves Lansdown - https://www.hl.co.uk/
• Plum - https://withplum.com/
• Freetrade - https://freetrade.io/
• Trading 212 - https://www.trading212.com/

ARTICLES TO FURTHER YOUR INVESTMENT KNOWLEDGE 📚

• 4 Investing Myths That Aren't True - https://www.penniestopounds.co.uk/post/4-myths-around-investing-that-simply-arent-true
• How Do You Invest? - https://www.penniestopounds.co.uk/post/investing-via-individual-shares-or-funds-how-do-you-invest
• Tips To Start Your Investment Journey - https://www.penniestopounds.co.uk/post/top-tips-to-start-your-investment-journey

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Website - www.penniestopounds.co.uk

Contact - info@penniestopounds.co.uk

#ad Want to boost your financial journey but short on time? You’re in luck because Kia has been busy working on a brand-new podcast with Legal & General called A Little Bit Richer, and it’s aimed at making you just that.

These weekly bite-sized episodes cover the stuff they didn’t teach us at school but that you need to know to survive adulting in your twenties and thirties - everything from making sense of your payslip to mortgages and pensions, to financial well-being and mental health, and it’s all part of helping make sure you’re making the best financial decisions for you.

Each week, Kia and an expert guest sit down to hash it out and take the guesswork out of financial planning. The first 3 episodes are available now, just hit this link ALittleBitRicher.lnk.to/podcast

Kia and her guests share their own personal thoughts and opinions in this podcast. These might be different from Legal & General’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s generally best practice, not the kind of personalised advice you’d get from a financial adviser.

You can play the podcast and find other useful content on Legal & General’s website: 

https://www.legalandgeneral.com/podcasts/a-little-bit-richer

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Ever wonder about the pros and cons of renting vs buying a property? In the second panel at our London event on the 24th of August 2023, we were joined by two amazing panelists to discuss this further.

Jade Vanriel (here), a seasoned property buyer and content creator, and Nadine Bacchus (here), a pandemic renovator, share their personal journeys and lessons learned. 

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