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Just graduated and ready to take control of your finances? This episode is packed with the essential money moves you need to crush your career and financial goals from day one.
Here’s what we’re covering:
Unlock your future: Why workplace pensions are your secret weapon for long-term savings.Invest in YOU: Explore employer-backed opportunities to grow your skills and income.Meal prep vs. eating out: How everyday choices can save you big bucks.Plan your next move: Set yourself up for career and salary growth right from the start.Support the show
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In this festive episode, we’re offering all the tips you need to master your money in 2025—without sacrificing the fun. From breaking down budgeting methods that actually work to showing you how to track every penny (even in a cashless world), this episode is your ultimate guide to balancing smart spending with guilt-free enjoyment. 💸
Here’s what we’re unpacking:
• The 50/30/20 method and why it’s a game-changer
• Zero-based budgeting for ultimate money control
• How to adapt the cash envelope system in today’s digital world
• Our fave budgeting tools—pen and paper, spreadsheets, apps, you name it!
• Why monthly budget reviews keep your money aligned with your life
• Automating your savings for a stress-free future
• Clever ways to categorise expenses for crystal-clear visibility
• And, of course, creating a fun fund to treat yourself guilt-free!Prepare to make budgeting simple, stress-free, and even fun!
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It’s time to stop wishing and start winning with your finances! In this episode, Kia breaks down the art of setting financial goals that you’ll actually achieve. Using the SMART framework, she shows you how to turn your big dreams into actionable plans that deliver real results. 💸
Here’s what we’re covering:
✨ Why vague goals won’t cut it and how to get specific
✨ The power of progress checkpoints to keep you on track
✨ How to set goals that are realistic, achievable, and life-changing
✨ Breaking down your financial journey into short, mid, and long-term wins
✨ Staying motivated and disciplined when the going gets toughIf you’ve ever felt stuck or overwhelmed by your financial goals, this episode will give you the tools and confidence to take charge.
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What if you could completely transform your money game in just 12 days? On today’s episode of the Pennies To Pounds Podcast, we’re kicking off our special series, The 12 Days of Finance, to help you avoid the financial traps that leave you feeling broke and set yourself up for success in 2025.
In this episode, we’re covering:
✨ Why lifestyle inflation is sabotaging your progress
✨ How to budget without feeling restricted
✨ The non-negotiable need for an emergency fund
✨ Tackling high-interest debt (and why it’s costing you more than you think)
✨ The basics of smart investing to grow your money
Listen to Episode 96 for a step-by-step guide to start investing.Start 2025 on the right foot with strategies to save, borrow smarter, and invest confidently. Let’s make financial security your reality next year!
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With the new year almost upon us, we’re bringing you a new series for the next twelve days! The Pennies To Pounds ‘12 Days Of Finance’ series is dedicated to helping you level up your finances in 2025 and beyond.
Each episode will be no longer than 10 minutes long and contain actionable steps to master your money. We’ll also answer some dilemmas and common questions, offering actionable advice.
Want to join us? Follow the Pennies To Pounds Podcast wherever you listen to your podcasts and subscribe to our YouTube Channel.
Have a dilemma or question you'd like answered? Email [email protected]Support the show
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In this episode, we’re breaking down everything you need to know about credit scores — what they are, why they matter, and how they can impact your financial journey. I’ll walk you through the basics, including the three credit reference agencies in the UK (Experian, Equifax, and TransUnion) and explain why your credit score might look different depending on where you check it.
We’ll also talk about practical ways to build and improve your credit, whether starting from scratch or trying to repair a less-than-perfect score. I’ll cover the difference between a soft and hard credit check, why it’s essential to know the difference, and how these checks affect your score. Plus, I’ll highlight some credit builder platforms that can help you take control of your credit and get on track toward achieving your financial goals.
Whether you’re new to credit or want to improve it, this episode will give you the tools to make smarter financial decisions. Let’s take the mystery out of credit and put you in control of your financial future.
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This week's episode we're joined by Maya, host of Maya’s Minutes podcast, to discuss finances in relation to love and womanhood. We explore the dynamics of observing your partner's money habits and why understanding these early on can prevent future conflict. The discussion extends to the pressures surrounding motherhood and career choices, and things that women can do to financially prepare for starting a family.
TikTok - https://www.tiktok.com/@mayasminutespodcast?_t=8r9N83jYPWT&_r=1Instagram - https://www.instagram.com/mayasminutespodcast/Spotify - https://open.spotify.com/show/234NEJb8gf6TMlnHD2wmrx?si=8a4248960a114ca8
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This episode features Mary Felicia, a degree apprentice who has been scaling within the property industry since the age of 17. Mary chose a degree apprenticeship over the traditional university route, and she shares her experience. Mary’s story is not just inspirational but also packed with practical advice—whether it’s about mastering the build-to-rent sector or using social media for lead generation.
Instagram - https://www.instagram.com/maryfeliciaa/TikTok - https://www.instagram.com/maryfeliciaa/LinkedIn - https://www.linkedin.com/in/mary-feliciagomez/Pre-order 'How To Handle Money' - https://amzn.eu/d/gjomK0THow To Handle Money Event - https://www.eventbrite.co.uk/e/pennies-to-pounds-5-year-celebration-party-tickets-995280991237?aff=oddtdtcreator
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What does turning a prison sentence into a mission for social change take? Meet Sobanan Narenthiran, the CEO of Breakthrough Social Enterprise, who shares his extraordinary journey from medical school to prison and beyond. We discuss his experience in prison, his transition back into medical school and building his business.
LinkedIn - https://www.linkedin.com/in/sobanan-narenthiran/TikTok - https://www.tiktok.com/@sobanan.ceo.of.br?_t=8q05TpTVKls&_r=1Breakthrough Enterprise - https://www.wearebreakthrough.org/
Sobanan explains how Breakthrough leverages AI to empower underserved communities with financial management tools and career development resources. This episode is a powerful testament to the impact of accessible education and strategic financial planning.
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This week's episode is with Safiya Rozi. As a software developer degree apprentice and content creator, Safiya shares her approach to juggling a demanding workload through prioritisation and planning. She also discusses her experience as a degree apprentice and how she's navigated the corporate world, especially with her finances. This episode also touches on wardrobe building, where Sophia emphasizes the importance of quality over quantity. Learn how to build a sustainable wardrobe while managing finances, and get budgeting tips highlighting investing in skill-building, self-care, and celebrating achievements.
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Is your money protected? In this week's episode, we're joined by Matt Phillips, Head of Readiness at the Financial Services Compensation Scheme (FSCS). Matt discusses how FSCS works and its vital role in protecting your finances when UK banks and institutions fail. From bank deposits to investments, pensions, mortgages, and insurance, learn how to secure up to £85,000 in compensation in the unlikely event of a firm's collapse.
https://www.fscs.org.uk/
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In this episode, Aaron discusses his early life marked by financial hardship and how it fueled his desire for financial stability and independence. He also discusses the importance of continuous learning, self-belief, and maintaining a disciplined approach to finances.
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In this week's episode, we discuss setting up and managing your business finances with finance coach Joshua. We also discuss the implications of operating as a sole trader vs a limited company and the importance of forecasting potential business earnings.
Pre-order 'How To Handle Money' - https://amzn.eu/d/gjomK0T
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In this episode of the Pennies To Pounds podcast, our sponsor, Klarna, joins us to provide a straightforward yet comprehensive breakdown of understanding different types of credit—credit cards, overdrafts, or personal loans. Raji Behal shares invaluable tips on when it’s smart to use credit and when it’s best to steer clear, helping you make informed financial decisions.
*Klarna's Pay in 3/Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.
Learn more about Klarna by visiting: www.klarna.com/uk/Support the show
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We're halfway through the year; how are your financial goals coming along?
Have you achieved any of them, or have they been put aside? This episode is all about reflecting on our journey, celebrating our wins, and recalibrating our targets for the rest of the year. By the end of this episode, you'll have practical tips and strategies to achieve financial stability and growth, ensuring you're well-equipped for the second half of the year!Support the show
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Kickstart your journey to financial empowerment with this special live episode from our "New Year, Wealthier You" event, hosted at the iconic Samsung KX building in London. Our esteemed panellists, financial well-being speaker Laura Ann Moore and wealth and investment coach Kevin Cahill discuss money mindset, smart budgeting, and effective money management.
Have you ever wondered how early financial beliefs shape your money habits? Laura Ann Moore dives into the emotional side of money, revealing how ingrained beliefs can make or break your financial confidence. Meanwhile, Kevin Cahill shares his expertise on practical investment strategies to help you diversify and grow your wealth.Support the show
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What if your childhood experiences with money have already set the stage for your financial future? This week's episode is about how we can make positive financial shifts. Whether recognising your spending triggers or acknowledging past teaching about money when you were younger, we can all progress towards a healthier financial lifestyle. Joining us in this episode are Elisabeth Prager and Nitika Vyas, co-founders of the money app Aila Money.
Aila Money: the Personal Trainer app for your finances – helps you calculate the cost of your life goals and using data, behavioural science and human expertise helps you achieve them – one prompt at a time!
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This episode is with Nikkita Tew, founder of the financial literacy platform Young Spender. We're discussing the ways in which people in their 20s and 30s can maximise their savings for their short—and long-term goals and plan for retirement. She also breaks down your payslip and explains how taxes are deducted and what your tax code means.
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How are today's youth weathering the storm of the cost-of-living crisis while keeping their fingers firmly on the pulse of culture and beauty standards? This week's episode features Tumisha and Alvin of Tag Agency, who discuss the findings from their $penny Report. This report highlights this generation's resilience, embracing thrifting and DIY to maintain their identity.
DOWNLOAD THE REPORT - https://www.tagagency.co.uk/download-reportFOLLOW TAG AGENCY ON INSTAGRAM - https://www.instagram.com/tagagencyuk/FOLLOW TUMISHA - https://www.instagram.com/tumbalogun/FOLLOW ALVIN - https://www.instagram.com/alvnowusu/Support the show
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This episode is with Sammie Ellard-King, founder of financial education platform Up The Gains. In this episode, we're discussing how to begin your wealth-building journey, ways to increase your personal growth and how to give your income a boost.
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