This Girl Talks Money

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Making female financial literacy mainstream šŸ’« šŸ’°Cert. financial coach, writer + speaker šŸ“Ft R29, HuffPost, ITV šŸŽ™Host of Money Unfiltered

Member Since JUNE 04, 2021
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Highlights

Motherhood isnā€™t easyā€¦ But something being hard doesnā€™t mean that itā€™s not worthwhile. Many of the best things in life arenā€™t easy to come by. & itā€™s true that the openness about motherhood and the challenges it can bring has helped women feel less alone. For sure, Iā€™m glad I didnā€™t walk into it with rose tinted glassesā€¦šŸŒ¹ But I recently wonder whether weā€™ve gone too far the other way - and it seems lots of people in my DMs agree. What do you think? Iā€™d love to hear your perspective #motherhoodjourney #moneyandmotherhood #thisgirltalksmoney #moneytalks

šŸ’øBARE MONEY - MONEY & MOTHERHOOD šŸ’ø Our career paths impact so many aspects of our adult lives so each week in March, Iā€™m speaking to a lovely person - who is also a mother - about their career journey, spending insights & their words of wisdom for their future selves. This week, I speak to a freelance illustrator in Kent earning Ā£30k. Iā€™d love to know - have you felt the effects of the motherhood penalty? PS. If you want to write your own Bare Money, message me! #baremoney #thisgirltalksmoney #moneytalks #moneyandmotherhood #financialwellnessforwomen

Only 1% of eligible mothers and 5% of eligible fathers and partners have taken up shared parental leave in the UK. It sounds greatā€¦so why is take up so low? Money šŸ’ø Unless companies offer an enhanced policy, the father - who is more often than not the higher earner - only receives statutory pay which isnā€™t enough for many families to make ends meet. Culture šŸ’ø Sadly in some workplaces itā€™s still seen as odd or discouraged for fathers to take parental leave. This is hugely harmful for those who do wish to. Confusion šŸ’ø Itā€™s not all that clear how the process works for many parents or even employers. Basically, itā€™s a complex issue with lots of factors at play - but itā€™s plain to see the current parental leave system isnā€™t working for anyone. Have you considered shared parental leave or used it? #parentalleave #thisgirltalksmoney #moneytalks #financialwellbeing

Hereā€™s a little slice of reality for youā€¦ It might seem like everyone else has it all together. And I know at times it may look like Iā€™m juggling 26372 things with ease, but social media isnā€™t ever the full picture! So tell me, does any of the above resonate? #socialmediaisfake #behindthecurtain #financialedication #financialwellbeing

šŸ’øBARE MONEY - MONEY & MOTHERHOOD šŸ’ø Our career paths impact so many aspects of our adult lives so each week in March, Iā€™m speaking to a lovely person - who is also a mother - about their career journey, spending insights & their words of wisdom for their future selves. This week, I speak to a newly-qualified bookkeeper in North Wales earning Ā£0. Iā€™d love to know - do you find it difficult to keep money aside for yourself if kids are in the mix? PS. If you want to write your own Bare Money, message me! #baremoney #thisgirltalksmoney #moneytalks #moneyandmotherhood #financialwellnessforwomen

Are kids the new luxury item? šŸ’ø The headlines suggest there is a serious issue emerging with falling birth rates due to the cost of raising children, amongst other reasons So Iā€™m curiousā€¦have you thought twice about family planning because of the current cost of living? Would it impact how many kids you aim to have? #costofliving #financialwellness #financialwellbeing

I cannot believe this is true āž”ļø Itā€™s 2024, & in one of the worldā€™s richest nations the national statutory paid maternity, paternity or parental leave stands at a grand total of zero weeks. Thankfully, other countries are showing that great paid maternity can exist! Although the UK has a long way to go with parental leaveā€¦ I want to know - where are you based and what does your employer offer? #moneyandmotherhood #maternitypay #motherhoodpenalty

šŸ’ø BARE MONEY - MONEY & MOTHERHOOD šŸ’ø Our career paths impact so many aspects of our adult lives so each week in March, Iā€™m speaking to a lovely person - who is also a mother - about their career journey, spending insights & their words of wisdom for their future selves. This week, I speak to a freelance Brand Strategist & Project Manager in Yorkshire earning Ā£45,000. Iā€™d love to know - do you find saving difficult while childcare costs are so high? PS. If you want to write your own Bare Money, message me! #baremoney #thisgirltalksmoney #moneytalks #moneyandmotherhood #financialwellnessforwomen

Itā€™s time to Beat The Gap šŸ’ø AD The gender pension gap jumps from Ā£100 to Ā£100,000 over a womanā€™s working life on average šŸ“ˆ Why? The gender pay gap plays a part - but itā€™s particularly after women have children that the gap typically starts to widen. Women tend to take on the majority of childcare - as well as adjusting their working patterns - which heavily add to the gender pension gap. And for men? Having children doesnā€™t normally impact their pension at all āœ–ļø Yet with more women than ever before paying into a pension, thereā€™s reason to be optimistic. Here are three steps you can take to Beat The Gap: šŸ’° Start saving early in your career so your money is invested for longer & has more time to grow. šŸ’° Stay organised. Keep track of pensions & consider combining them to make your pension management easier. šŸ’°Talk about how to share the financial impact of raising children during childcare planning. To see how the pension gap may impact you personally, head to the #BeatTheGap tool on @ScottishWidows and in my stories!

And do we actually want it all? Itā€™s a question Iā€™ve been confronted with face-on as I navigate life as a mother + business owner. A lethal combination of societal expectation + gender stereotypes has piled pressure on to women to have a thriving career, parent seamlessly and look picture perfect to name a fewā€¦ Yet the reality of ā€œhaving it allā€ sets a totally unattainable standard of perfection that we simply cannot hold up. Not to mention, itā€™s not a standard men are held to either. And what even does ā€˜allā€™ look like? Thatā€™s the starting point. Before we burn ourselves out trying to excel at everything, we need to figure out what we *truly* want. So where does that leave me? Iā€™m fortunate to enjoy my work + want to be a present hands on mama. I believe that I can ā€˜have it allā€™ - but not all at once, and thatā€™s okay. ps Iā€™ve found so much encouragement on this issue from the brilliant @motheruntitled Where do you stand on having it all? How do you find the balance? #havingitall #motherhoodpenalty #financialwellbeing

Letā€™s Talk Women & Pensions #BeatTheGap What can we do to #BeatTheGap between women and men in retirement? Iā€™m talking to @scottishwidows ahead of #InternationalWomensDay to find out why there is a pensions gap between men and women and crucially, what we can do right now to help close the gap! If youā€™re asking yourself any of these questions, stay tuned to hear what Jackie Leiper, Managing Director of Scottish Widows has to say. We cover: šŸ’øWhere should I look to start my research into pension planning? šŸ‘©Are there any ways to future-proof my pension savings in case of a divorce? šŸ’¼Should I do something different with my pension plan if Iā€™m considering going self-employed? 1ļøāƒ£ Should consolidate my pensions or keep them separate? šŸ¤°How should I plan for my pension savings when preparing to go on maternity leave? šŸ’°How can I keep track of my pension pots and how they are performing? The power is in your hands. #beatthegap

The post-baby costs no one tells you about ā¬‡ļø In the idealistic bubble of pregnancy, all the cost conversations centre on cute baby clothes & stylish prams šŸ¼ But the reality of postpartum life isnā€™t always spoken about openly, so here are the costs I wish Iā€™d known about beforehand: šŸ‘¶šŸ¼ Baby osteo - a game-changer for lots of new parents. šŸ¤± Lactation consultant - feeding is a whole other topic but this can be invaluable (but Ā£Ā£Ā£) šŸ”§ Physio / MOT - prioritising your recovery can come at a cost. šŸ›ļø Online shopping during the night feed - enough with the targeted ads at sleep-deprived parents! šŸ‘©ā€šŸ‘§Parent & baby classes - fun and good for finding friends but the costs add up. ā˜•ļø All those coffees on all those walksā€¦ - I know itā€™s not just me?! So if youā€™re budgeting for a baby those are some things Iā€™d factor in. If youā€™ve been through it, were there any costs you hadnā€™t anticipated during those early months? ā¬‡ļø #moneytalks #moneyandmotherhood #motherhoodjourney #financialwellbeing

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