Saving for retirement can feel like a distant goal, with pensions often feeling complicated and impersonal.  But with research finding that by the time a woman is aged 65 to 69, her average pension wealth is roughly a fifth of that of a man the same age (Chartered Institute of Insurance 2018), saving for your pension can be vital for a happy retirement. We know the gender pay gap negatively impacts women throughout their career. This disparity also affects how much we can save for our future, so how can we address the gender pension gap and ensure that we work towards closing it?My guest today is Romi Savova, the founder and CEO of PensionBee - the leading online pension manager giving customers ownership of their savings, encouraging them to actively interact with their pension pot through a unique combination of technology and customer-centric service. In this episode, Romi shares how we can better understand our pension plans, the importance of financially planning for later life, and how to start saving. It’s also a very exciting time for Romi as she gears up for PensionBee’s upcoming IPO. With only 5% of the FTSE 100 CEOs being female (IG Group, 2020) we take a look at Romi’s experience as a female founder working in the financial space and how her organisation has achieved complete gender parity. You can follow and connect with Romi at:  PensionBee: https://www.pensionbee.comTwitter: @romisavovaWe shared some resources in this episode. All the links are below:https://www.cii.co.uk/news-items/2018/october/deficit-by-a-thousand-cuts-news/ 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.

Research from the Inclusive Tech Alliance has highlighted that just 12.6% of board members in the country's largest tech firms are women, and BAME people make up just 8.5% of senior leaders.  Joining me today is Abadesi Osunsade, founder of Hustle Crew, a community focused on giving underrepresented professionals the skills and support they need to achieve lasting change. Inclusion and diversity in the technology community has become central to Abadesi’s mission, empowering women to recognise their worth and to ask for more. However, negotiating and understanding your own value can be tricky. Having these conversations can feel daunting and downright uncomfortable. In this episode, Abadesi shares her own experience of salary negotiations, getting paid what you’re worth as a business owner or freelancer, and her top tips for overcoming your fears so you can go into these conversations feeling like a million bucks. You can follow and connect with Abadesi at: Hustle Crew: https://www.hustlecrew.coTechish Podcast: http://www.techishpod.comIG: @techishpodhttps://www.abadesi.comTwitter: @AbadesiIG: @abadesiDream Big. Hustle Hard.: The Millennial Woman's Guide to Success in TechResources:  Black representation at top of FTSE 100 companies falls to zero, Financial TimesInclusive Tech Alliance Research, Inclusive BoardsAsk for it: How Women Can Use the Power of Negotiation to Get What by Linda Babcockhttps://www.moneysavingexpert.com 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. You just need headphones and mic at the ready and follow this link (https://telb.ee/abrzt) or email me the recording 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.

Money can be a loaded and emotional topic. Our beliefs around money influence all aspects of our financial journey, from our earning capacity, to how we spend money and how we save for the future. However, our money beliefs can be deep rooted and often subconscious. It can be tricky to know where to start when it comes to understanding our feelings about finances. It’s equally difficult to recognise behaviours we may have adopted. My guest today is Simonne Gnessen, founder of Wise Monkey Financial Coaching. She is also the co-author of the women’s guide to personal finance ‘Sheconomics’. Simonne has over 10 years of experience as a financial advisor. Today, through Wise Monkey Financial Coaching, she empowers her clients to build a better relationship with money, helping them use it effectively to achieve their goals. In this episode, Simonne shares powerful exercises that help us understand how we think and feel about money. She offers practical tips for building a positive money mindset once you have identified your limiting financial beliefs or blockers.We also take a look at some of the common emotions that drive impulse purchases, as well as how we can resist today's temptations to spend. You can follow and connect with Simonne at:  Wise Monkey Financial Coaching: https://financial-coaching.co.uk/Linkedin: https://www.linkedin.com/company/wise-monkey-financial-coachingTwitter: https://twitter.com/simonnegnessenSheconomics: http://sheconomics.com/You can follow Vestpod: Newsletter and classes: https://www.vestpod.comThe kindle version of my book “You’Re Not Broke, You’Re Pre-Rich” is on sale for the entirety of February 2021 on Amazon UK for 99p! Instagram @vestpodJoin our Facebook group* 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. Also, if you’re investing money, make sure it’s for the long term and you understand what you're investing in.* Hosted on Acast. See acast.com/privacy for more information.

In 2017/18, some 3.6 million British women and 2.9 million men opened a Cash ISA account. Yet, in the same tax year, more men held a Stocks and Shares ISA (1.3 million) when compared with women (1 million), according to HMRC (25 June 2020).While women are great at saving, research suggests that we are sometimes overly cautious (or risk aware, if you will) when it comes to taking the steps needed to be more in control of our financial futures. This gender investment gap has a direct impact on women’s wealth, pensions, and overall financial wellbeing. Sure, women may prefer to keep their funds stashed in cash savings accounts, but why is it important to invest, and where should you start? My guest today is Jill Jackson, Managing Director of The Big Exchange, the pioneering investment platform that helps create a positive impact for people and the planet while making their customers' money work harder for them. Jill is a passionate advocate for democratising the investment industry, breaking down overly complicated terms and processes that have historically alienated and excluded people from the market. She hopes this will help get more people investing.In this episode, Jill and I take a look at how investing in the stock market could help more women reach their financial goals. We also dispel some of the misconceptions around investing and how one can better understand market risk and volatility.You can follow and connect with Jill at The Big Exchange: The Big Exchange: https://bigexchange.com Instagram: @thebigexchange Facebook: ThebigexchangecommunityTwitter: @thebigexchange_You can follow Vestpod:Newsletter and classes: https://www.vestpod.comThe kindle version of my book “You’Re Not Broke, You’Re Pre-Rich” is on sale for the entirety of February 2021 on Amazon UK for 99p! Instagram @vestpodJoin our Facebook group* 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. Also, if you’re investing money, make sure it’s for the long term and you understand what you're investing in.* Hosted on Acast. See acast.com/privacy for more information.

Money management and financial literacy are, unfortunately, not widely taught. This means that many of us have never had the opportunity to learn how to save money, how to invest or how to build wealth. To make matters worse, the UK’s financial literacy gap disproportionally affects black communities and women. This has a detrimental impact on the levels of income as well as long-term wealth.My guest today is Ayesha Ofori - a passionate advocate for financially empowering women and minorities, encouraging them to embark on property investment.Ayesha is the founder of property investment company Axion, and two powerful communities – PropElle and the Black Property Network. Having gained financial independence through building a property portfolio, her mission is to make property investing more accessible to all women. In this episode, Ayesha talks about her journey that saw her dabbling in property investment as a side hustle, to quitting her job and eventually pursuing her passion full time. We cover everything from getting started investing in property, to finding the best option according to your budget, as well as the pros and cons of investing in property as an asset.  Ayesha shared some resources in this episode. All the links are below:Leo Crowdfunding: https://www.leocrowdfunding.com/ You can follow and connect with Ayesha at: Propelle:https://propellenetwork.comBlack Property Network: https://blackpropertynetwork.comAxion Property Partners: https://axionproperty.com Instagram: @ayesha.ofori & @blackpropertynetwork 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. Also, if you’re investing money, make sure it’s for the long term and you understand what you're investing in.* Hosted on Acast. See acast.com/privacy for more information.

With money habits formed by age 7, our culture and formative backgrounds undoubtedly play an important role in shaping our attitude towards money. The question is: as adults, how can we decode what we have subconsciously been taught and build a positive mindset towards managing our money?  Joining me today is Selina Flavius, finance coach and founder of Black Girl Finance - the digital platform providing a safe space for Black women to get comfortable talking about money.Black graduates are paid 9% less than their white counterparts. In this episode, Selina shares the long-term impacts of the ethnic pay gap, and how we can tackle it.We also take a look at what we can do to aid our financial security during the pandemic, and why Selina believes personal finance is the missing piece in self-development. Selina’s book 'Black Girl Finance, Let’s Talk Money’ is out now. It’s a fantastic resource where she shares her best financial tips as well as her personal stories, goal-setting exercises and straight-talking advice. You can follow and connect with Selina at: Black Girl Finance www.blackgirlfinance.co.uk Instagram: @blackgirlfinanceukTwitter: @blackgrlfinanceukBlack Girl Finance podcast: https://podcasts.apple.com/gb/podcast/black-girl-finance/id1518416348 Selina shared some resources in this episode. All the links are below:Rich Dad Poor Dad by Robert T. KiyosakiWarren Buffett's letters to shareholdersIntelligent Investor: The Definitive Book on Value Investing by Benjamin GrahamThe Money and Pensions Service: https://moneyandpensionsservice.org.uk/ Step Change Debt Change: www.stepchange.org Glassdoor: www.glassdoor.co.uk  Gender and Ethnicity pay gap reporting: www.runnymedetrust.org Pay discrimination - Right to Know Petition https://fawcettsociety.eaction.org.uk/righttoknow 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.

With the topic of money becoming increasingly more mainstream, financial journalism has played a key role in opening up the conversation around money, providing engaging and easily consumable content. Through magazines and articles, financial journalism can break down money taboos, amplify different voices, and give consumers a platform to be heard. My guest today is Laura Whateley, an award-winning journalist, and author of The Sunday Times best-selling book, 'Money: a user's guide’. This is the essential guide to financially empower and educate Millennials and Gen-Z on the principles of money management, now with a new chapter added for 2021. In this episode, we take a look at some of the generation-defining money issues Millennials face today (housing crisis, problem debt and saving for the future), the impact social media has on our spending, and what a career in financial journalism has taught Laura about her own personal finances and relationship with money.You can follow and connect with Laura at: Twitter: @LWhateleyInstagram: @laurawhateleyBook: Money: A User’s Guide  Laura shared some great resources in this episode. All the links are below:Starling Bank: https://www.starlingbank.com/  Monzo: https://monzo.com/ Coconut: https://getcoconut.comMoney Dashboard: www.moneydashboard.comYolt: www.yolt.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.

Adrienne Herbert is the creator and host of the inspiring podcast, Power Hour, encouraging listeners to reclaim an hour a day to focus on their goals. As well as being a motivational speaker, a personal trainer, a Mum, and in her own words a professional encourager, Adrienne can now add author to that list. Her first book Power Hour: How to Focus on Your Goals and Create a Life You Love is packed with actionable steps that can help you build powerful habits to move you closer to achieving your goals. In this episode, Adrienne shares with me the journey that has led her to become the face of the wellness industry, how she finds motivation and positivity, and the challenges and fears she has overcome to now help others pursue their passions. Adrienne also shares her own money story, what the value of money means to her, and how she extends her mindset for growth and optimism to her finances. Adrienne’s energy is infectious, so we can all kick off 2021 with some positivity! You can follow and connect with Adrienne at:  Website: https://adriennelondon.comPodcast: Power Hour Instagram: https://www.instagram.com/adrienne_ldnTwitter: https://twitter.com/adrienne_ldn Adrienne shared some resources in this episode. All the links are below:Mindset: How You Can Fulfil Your Potential by Carol Dweck https://www.amazon.co.uk/Mindset-How-Fulfil-Your-Potential/dp/1780332009 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 have never been taught how to manage our money, this includes how to budget and how to plan for the future, but also how to save in the short term for the things we really want. My guest today is Urenna Okonkwo who started her career as a financial advisor helping wealthy clients to manage their money. Today she is the CEO and founder of Cashmere -  an app that is helping young, aspirational consumers learn how to save through setting up a virtual piggy bank, enabling them to make guilt-free luxury purchases and to help them to save for the lifestyles they desire. Cashmere is empowering consumers to manage their finances by making considered purchases, turning them away from fast fashion and instant gratification, and developing their saving skills through planning.  It was fantastic to hear about Urenna’s incredible journey from working in finance to becoming a female entrepreneur in the e-commerce and Fintech space. In today’s episode, she shares some of the challenges she has faced in launching Cashmere, and her experience in gaining funding for the platform as a young black female. We also take a look at the future of saving, with some of the innovative solutions that are on the horizon and discuss the power of collaborative saving.You can follow and connect with Urenna at: Cashmere: https://www.cashmereapp.co.uk/Twitter: https://twitter.com/urennalexa and https://twitter.com/Cashmere_HQ Instagram: https://www.instagram.com/urennaoUrenna shared some resources in this episode. All the links are below:WealthSimple: www.wealthsimple.com PensionBee: https://www.pensionbee.comStepladder: www.joinstepladder.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.

Research from ‘Make my Money Matter’ has shown that moving towards more sustainable funds can have many times more impact in reducing your carbon footprint than giving up flying and becoming vegan combined. Joining me today is Alice Ross, Deputy News Editor for the Financial Times and author of the new book Investing To Save The Planet: How Your Money Can Make a Difference - her mission is to highlight the action that every investor, at any level, can take to build a greener future. In this episode, Alice gives an introduction to sustainable investing, so what does it mean when we talk about green or sustainable investing, we break down some of the terminology and jargon used in the industry, and discuss the tools available to help avoid greenwashing. Investing To Save The Planet: How Your Money Can Make a Difference: https://www.bookdepository.com/Investing-Save-Planet-Alice-Ross/9780241457238You can follow and connect with Alice at:  Twitter: www.twitter.com/aliceemrossFinancial Times: https://www.ft.com/stream/89bc219c-f119-4b45-bdbe-aacb7e897eed Alice shared some great resources in this episode. All the links are below:ShareAction: https://shareaction.org/Explained: The Future of Meat on Netflix London Stock Exchange, Navigating the green finance landscape report (2019)IMF, Chapter 6 Sustainable Finance (2019)European Commission, Factsheet: Financing sustainable growth - A new European regime on sustainability-related disclosures that will come into force from March 2021You 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.*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.** 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.

As the pandemic continues to impact personal finances across the world, research shows that women and minority groups are being disproportionately affected. That's why it's increasingly important that financial products, such as bank accounts, savings products and financial advice, are accessible and inclusive for everyone. The FCA estimates that in the UK, 1.3 million adults don’t have access to a bank account. Can technology, and the rise of online banks like Starling or Monzo, help make personal finance more inclusive and empower customers to take control of their money?  My guest today is Nina Mohanty - a financial technology expert - who has had an incredible career in the financial tech industry, working with some of the biggest startups that have transformed the way we manage our money. Nina is an advocate for financial inclusion, working on products that champion inclusion and help users build financial resilience, allowing them to be more prepared for life’s unexpected events as well as it's opportunities. Today, Nina shares with us her personal, and professional financial journey. We talk about how the fintech industry evolved and what happens at the crossroad of financial services and technology and how fintech can empower people to make better financial decisions. Nina is very honest about her own financial journey (she’s all about transparency!), tells us how she got into debt, and gives us her top apps and tools that have aided her to spend, save and to get started investing.  You can follow and connect with Nina at: Twitter: www.twitter.com/ninamohanty Instagram:@nina.mohanty Nina shared some great resources in this episode. All the links are below:Chip: www.getchip.ukPension Bee: www.pensionbee.comMonzo: www.monzo.comStarling: www.starlingbank.com Wealthify: www.wealthify.comNutmeg: www.nutmeg.comWealthSimple: www.wealthsimple.comMoneyBox: www.moneyboxapp.comMoneyFarm: www.moneyfarm.comPatricia Bright’s budgeting tips: https://www.youtube.com/watch?v=CC5dXZYTO1A ElleVest in the US: https://www.ellevest.com/Instagram-hyped fintech Lanistar not authorised, warns FCA: https://www.ft.com/content/31597fd6-4794-4634-8991-bd373b7d8a18 Investment protection by the FSCS: https://www.fscs.org.uk/what-we-cover/investments/ *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 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.

While the lack of diversity in the financial industry has been well documented, it's still shocking to hear that, according to Morningstar, “there are more funds run by men named David, than there are female fund managers in total”. This is despite research by the Pipeline showing that diverse teams and ‘firms with more female executives’ actually 'perform better'. So why is the financial industry lacking in diversity and what effect is this having on people who want to invest their money? My guest today is Bev Shah, founder of City Hive, a network that champions equality and inclusive culture within the investment sector. With 15 years of experience in the city, Bev is passionate about increasing cognitive, cultural, racial and gender diversity in the financial industry to ensure it becomes both more accessible, but also future-proof. Together we look at the barriers women face in finance, the wealth and gender pension gaps, as well as the benefits that will come from creating a more diverse and open industry. Bev talks about recognising the power you have when investing money and how to get started, and shares her tips for navigating and understanding the industry. Instead of looking at what’s wrong with women, we’re talking about what the industry can do to change things.You can follow and connect with Bev at: CityHive: https://www.cityhive.co.ukTwitter: https://twitter.com/thediversegirl Linkedin: https://www.linkedin.com/in/bevshah/ Bev shared some great resources in this episode. All the links are below:The Big Short Film: https://www.imdb.com/title/tt1596363/The Big Short: Inside the Doomsday Machine by Michael Lewis: https://www.amazon.co.uk/Big-Short-Inside-Doomsday-Machine/dp/0141043539The Big Exchange: https://www.bigexchange.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.

Since reopening after lockdown, the property market has been incredibly active with record house sales being reported in the UK. Rightmove claims that “prices are now 5.5% higher than a year ago, the biggest rate of increase for over four years” and is “now forecasting annual growth rate to peak at circa 7% by December”. Thanks to government incentives such as the stamp duty holiday, it may look like an attractive time to move house or buy your first property. But what effect is the Covid-19 pandemic actually having on the property market?My guest today is Sarah Davidson, knowledge and product editor of This is Money at the MailOnline, and my go-to expert when it comes to mortgages and property. Together, we take a look at how the current conditions can affect buying your first property, the impact the pandemic is having on lenders and the mortgage market, and tips for how to best position yourself to buy a home. With many people finding themselves on furlough or losing their jobs due to the pandemic, Sarah also shares some valuable insights into the mortgage holidays available for homeowners and guidance for renters if you’re struggling to pay your rent right now.  You can follow and connect with Sarah at: Twitter: www.twitter.com/SarahDavidson This is money: www.thisismoney.co.uk/money/index.htmlSarah shared some great resources in this episode. All the links are below:House price index by Rightmove: https://www.rightmove.co.uk/press-centre/house-price-index/october-2020/ Find latest mortgage rates: https://www.thisismoney.co.uk/money/mortgageshome/index.html True cost mortgage calculator: https://www.thisismoney.co.uk/money/mortgageshome/article-1633400/Mortgage-calculator-Compare-true-cost-rates-fees.html 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 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.orgInstagram: 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/ukJunior Individual Savings Accounts (ISA): https://www.gov.uk/junior-individual-savings-accountsSaving 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.* Hosted on Acast. See acast.com/privacy for more information.

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=grantReward Crowdfunding Platforms: Indiegogo, Kickstarter, CrowdfunderMerger 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/crowdfundingThe Wallet with June Angelides: How to get funding for your businessRosa 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/enThe 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-charterWill 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-dieInsurances: https://www.moneyadviceservice.org.uk/en/categories/life-and-protection-insurance Surviving Economic Abuse: https://survivingeconomicabuse.orgFind 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.comInstagram: @thedurasocietyYou 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 JournalLoud 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-UviebinenéTwitter  @lizuvieInstagram @elizabethuviebineneYou 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 @juneangelidesTwitter @JuneAngelidesYou 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. KiyosakiThe Rules of Wealth by Richard Templar Money: A User's Guide: The Sunday Times Bestseller by Laura WhateleyOpen Up: Why Talking About Money Will Change Your Life by Alex Holder You can connect with Bola at Instagram @Bola_SolTwitter @Bola_ColPodcast 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.comLauren website: www.laurenarmes.coSome 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.comYou 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 & @vanrielhomeYouTube: 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.comYou 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.

Have you ever wanted to start your own business, only to be deterred by the financial headache it would incur? Or wondered how on Earth single mothers are able to seemingly juggle it all - raising kids, running a business, and managing finances?Launching a business is a dream for many, but getting started can be tough. It takes a certain money mindset to get going, and today we'll be hearing from the awesome Carrie-Anne of super cool mama merch brand Mere Soeur on how she did it.Carrie-Anne talks to us about the key drivers as well as the main difficulties she faced when she got started, how she manages today and the importance of breaking stereotypes surrounding single motherhood. You can follow Carrie-Anne here:https://meresoeur.com/  Instagram: @mre.soeurPodcast: @alrightforamum_ 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.