This Girl Talks Money

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Making female financial literacy mainstream 💫 💰Cert. financial coach, writer + speaker 📝Ft R29, HuffPost, ITV 🎙Host of Money Unfiltered

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💸 BARE MONEY 💸 Next in the series is a Customer Service Advisor on Maternity Leave. 〰〰〰〰〰〰〰〰〰〰〰〰〰〰〰〰 I've just turned 30! Eeeek. Reflecting on where I am now compared to my situation in my 20s, I thought I'd ask a few other women in their 30s to look back and note the differences in their attitudes towards money and their financial situation from when they were 20, to now. I'd love to know, what's the biggest lesson you've learnt about money over the last 10 years?

Being an international DJ involves performing at incredible events, travelling to beautiful places, and meeting some very cool people. To the outsider it looks like an absolute dream, but what does it actually take? 🎧 Jordi Ruz has played in more than 25 countries all around the world for the most exclusive clients and venues, with over 20 years of experience on the stages of some of most famous clubs in the world. In this week’s episode Jordi gives us a rare insight into the real day to day life of a successful DJ, the impact of technology on the industry and the perks of the career. This was a brilliant conversation and it certainly opened our eyes as to what really goes on in the life of a professional DJ. 💫

🚨 Unpopular opinion 🚨 No spend challenges do more harm than they do good. They might work for some people, but I'm never going to encourage anyone to give it a go. Here's why. One of the best ways to understand our relationship with money is thinking about food. In the same way that the diet industry wants you to associate being hungry and cutting out food groups with losing weight, no spend challenges create the impression that to save more money, you have to ban yourself from spending. Ever tried to stop eating chocolate for a month and found yourself desperately craving it, so much so that when the month is over you binge on it and feel all sorts of bad after? Yeah, me too. Safe to say, I'm very much of the view that spending isn't a bad thing - we shouldn't be demonising it - and neither is eating a well-rounded, varied diet rather than just eating the bare minimum your body needs to survive. No spend challenges are crash diets for your bank account, and I think it's a pretty well accepted view that crash dieting isn't a good thing for the long run. Ever tried a no spend challenge? Tell me your thoughts and how you got on 👇🏽

💸 5 MYTHS ABOUT INVESTING 💸 From my time spent in the personal finance space, these are the 5 most common myths I hear about investing. 〰 You need lots of money to start investing 🔍 This is a common misconception but you can actually start investing with small regular amounts or a small lump sum. Lots of online platforms even let you invest with as little as £1. 〰 You need to be a professional 🔍 There are so many platforms out there that will do the hard part for you when it comes to investing. If you don't want to learn, your best bet is to opt for a robo advisor that does all the work for you. So you don't need to guess or think too much about where you invest your money. 〰 Investing is very time consuming 🔍 You don't need to spend much time investing at all as most investing is completely passive. Once your money is invested, you don't have to do anything but sit back and watch your money grow. 〰 You don't need to start until later 🔍 The best time to start investing is yesterday! The earlier you can invest, the more your money has a chance to compound and grow, and the greater your wealth will be in 10, 20, 30 years time. 〰 Investing is too risky 🔍 Yes, stocks are risky. Just as they can rise in price, they can also fall. BUT, don't let that stop you. Stock prices don't typically stay down for too long. So when you invest money for the long term (as you should be), the averages will work in your favour and grow your money in the long run. Got questions about investing? Let me know in the comments if you want more content on the topic 👇

💸 BARE MONEY 💸 Next in the series is a Tax Manager at an Accountancy Firm with a newborn baby. 〰〰〰〰〰〰〰〰〰〰〰〰〰〰〰〰 I may or may not be turning the big 3-0 this month. Did someone say existential crisis..? Reflecting on where I am now compared to my situation in my 20s, I thought I'd ask a few other women in their 30s to look back and note the differences in their attitudes towards money and their financial situation from when they were 20, to now. I'd love to know, what's the biggest lesson you've learnt about money over the last 10 years?

[AD] Let’s talk about renting 🏠 Renting sometimes gets a bad reputation, but that’s not to say it’s all doom and gloom. Renting has a lot of pros, too: flexibility to move without the stress of a sale, and no responsibility for emergency maintenance and repairs 🧯 But there’s one sticky situation most renters know well: the double deposit. Right now, Over 60% of UK renters pay a new deposit before getting their old one back. That’s a whole lot of cash 🤑 Enter the Lifetime Deposit 🙌🏽 Your old deposit is used to help pay for your next one and, if needed, the difference is settled with a top-up. When you want to move, both your old and new landlords get what they want and you don’t have to do anything. The overall goal? Renters don’t have to save up and fork out for the entire new deposit, just because the old landlord is holding onto their money for now 👌🏽 Moving house soon? Find out more & get your own Lifetime Deposit now using the link in my bio 👆🏽 *Rep APR 20.3%. T&Cs Apply.

If only I could personalise my online banking notifications to let me know the exact moment my Pret habit gets out of hand (I mean, it'd be constantly pinging...) 🍵 Anyone that I've ever chatted to about my spending knows I'm a big fan of @monzo thanks to their spending categories and super helpful pots to organise your bank account and tell you where your money goes each month. I'm not a spreadsheet kind of girl, but I am a sucker for a paper planner or notebook and these apps basically act as a digital planner for my money. Do you find spending tracking useful? Or do you dread that notification EVERY time you tap your card or use Apple pay? 💳

The legal profession is one that is synonymous with corporate offices and high salaries, especially with the recent fight for talent that has seen pay skyrocket in some parts of the industry. But with high pay usually comes high demands, right? This week, we chat to Emma Lilley, in-house legal counsel and founder of @inhousepotter, a platform where Emma shares her unconventional journey to becoming a lawyer and how she has built a successful career on her terms. We discuss the consequences of earning six figures at a young age, what to look out for when you’re shaping your career and how Emma has negotiated her pay at every stage of her career. Whatever your job role, Emma shares some invaluable advice and words of wisdom on building a career that works for you. Listen to the episode now on Apple podcasts or Spotify & leave us a review!

💸 BARE MONEY 💸 I may or may not be turning the big 3-0 this month. Did someone say existential crisis..? 🥴 Reflecting on where I am now compared to my situation in my 20s, I thought I'd ask a few other women in their 30s to look back and note the differences in their attitudes towards money and their financial situation from when they were 20, to now. This will be a mini-series throughout the summer as I celebrate my 30th year on this planet. So keep your eyes out for more 👀 and get in touch if you're turning 30 this year and want to be featured!

Anyone else guilty of choosing fancy restaurants for client lunches? If I'm choosing somewhere for lunch and the company card is paying, then you'd better expect waiters in black-tie. If the wine list isn't 4 pages long, we're not going in 😂 I may be joking, but I do have to say that some of the most expensive restaurants I've eaten at have been work-related meals, so perhaps my previous bosses have really been working the system to their advantage all along... Have you ever been to a super expensive restaurant when you've not been paying? I want to know!👇🏽

What are you looking for in a romantic relationship? 💗 Lots of us, whether we admit it or not, are looking for a successful partner 👀And by success, we often mean financial success. This episode, we sit down with one of our favourite guests to date (& my best friend) @iamlouiserumball. Louise is the founder of the @openhouselife podcast where she explores therapy, relationships, dating and more💫 For anyone who has ever questioned their dating choices, why they find themselves chasing financial success or how their relationship with their parents has impacted their own lives, this is well worth a listen. Search Money Unfiltered on Spotify or Apple podcasts now🎙

How many times have you seen that ‘keys in front of the door’ shot and thought wow, how the f did they do that? The thing is, seeing people around you celebrating milestones and goals can sometimes make you feel like you're not where you should be in life…🏡 But there are often other hidden factors at play that have helped your friend afford that 2 bed flat in Zone 3 at age 27. I decided to break down a few milestones + achievements that might actually be down to privilege.... Can you think of any others? ⬇️

Are you in the know about the different types of investment accounts? 📈 〰️ Lifetime ISA (LISA): For 18 and 39 yr olds, save up to £4,000 a year towards your first home or retirement, the government adds a cash bonus of up to £1,000 a year on top. 〰️ General Investment Account (GIA): no limit to how much you can add in a year, ideal for those who have used up their ISA allowance and who have more to invest 〰️ Personal Pension: a flexible, tax-efficient way of saving for your long-term future + retirement 〰️ Stocks + Shares ISA: A low cost and tax-efficient way to invest. Invest up to £20,000 per tax year. This isn't an exhaustive list of investment accounts but these are the most common and the ones you want to have on your radar! As always, do your research and make the best decision for YOU and your personal financial situation when it comes to choosing investment accounts 💸

The spiralling cost of Stag and Hens: have we lost the plot? 💸 This week, we’re diving deeper into one of the hot topics in our inbox right now: wedding season 💍 From the most popular destinations for stag and hens, to how we can save money without saying no, we chat about our own experiences with our good friend @lizzieblix about navigating hen dos as a guest, a bridesmaid and the bride! 💒 A big thank you to @hotelsdotcom for partnering with us on this episode! Head to @hotelsdotcom to start earning reward points for every night booked.

The curse of comparison 🪬 You’re definitely not alone if you’ve ever felt it, and it’s something we explored in one of our early episodes of Money Unfiltered💰 So if you’re struggling with the comparison curse, head to Apple podcasts or Spotify & listen to the episode now 👌🏽

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