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Making female financial literacy mainstream š« š°Cert. financial coach, writer + speaker šFt R29, HuffPost, ITV šHost of Money Unfiltered
Motherhood isnāt easyā¦ But something being hard doesnāt mean that itās not worthwhile. Many of the best things in life arenāt easy to come by. & itās true that the openness about motherhood and the challenges it can bring has helped women feel less alone. For sure, Iām glad I didnāt walk into it with rose tinted glassesā¦š¹ But I recently wonder whether weāve gone too far the other way - and it seems lots of people in my DMs agree. What do you think? Iād love to hear your perspective #motherhoodjourney #moneyandmotherhood #thisgirltalksmoney #moneytalks
šøBARE MONEY - MONEY & MOTHERHOOD šø Our career paths impact so many aspects of our adult lives so each week in March, Iām 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. Iād 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 šø Unless companies offer an enhanced policy, the father - who is more often than not the higher earner - only receives statutory pay which isnāt enough for many families to make ends meet. Culture šø Sadly in some workplaces itās still seen as odd or discouraged for fathers to take parental leave. This is hugely harmful for those who do wish to. Confusion šø Itās not all that clear how the process works for many parents or even employers. Basically, itās a complex issue with lots of factors at play - but itās plain to see the current parental leave system isnāt working for anyone. Have you considered shared parental leave or used it? #parentalleave #thisgirltalksmoney #moneytalks #financialwellbeing
Hereās 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 Iām juggling 26372 things with ease, but social media isnāt ever the full picture! So tell me, does any of the above resonate? #socialmediaisfake #behindthecurtain #financialedication #financialwellbeing
šøBARE MONEY - MONEY & MOTHERHOOD šø Our career paths impact so many aspects of our adult lives so each week in March, Iām 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. Iād 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? šø The headlines suggest there is a serious issue emerging with falling birth rates due to the cost of raising children, amongst other reasons So Iām 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 ā”ļø Itās 2024, & in one of the worldās 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
šø BARE MONEY - MONEY & MOTHERHOOD šø Our career paths impact so many aspects of our adult lives so each week in March, Iām 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. Iād 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
Itās time to Beat The Gap šø AD The gender pension gap jumps from Ā£100 to Ā£100,000 over a womanās working life on average š Why? The gender pay gap plays a part - but itās 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 doesnāt normally impact their pension at all āļø Yet with more women than ever before paying into a pension, thereās reason to be optimistic. Here are three steps you can take to Beat The Gap: š° Start saving early in your career so your money is invested for longer & has more time to grow. š° Stay organised. Keep track of pensions & consider combining them to make your pension management easier. š°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? Itās a question Iāve 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 āhaving it allā sets a totally unattainable standard of perfection that we simply cannot hold up. Not to mention, itās not a standard men are held to either. And what even does āallā look like? Thatās 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? Iām fortunate to enjoy my work + want to be a present hands on mama. I believe that I can āhave it allā - but not all at once, and thatās okay. ps Iāve 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
Letās Talk Women & Pensions #BeatTheGap What can we do to #BeatTheGap between women and men in retirement? Iām 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 youāre asking yourself any of these questions, stay tuned to hear what Jackie Leiper, Managing Director of Scottish Widows has to say. We cover: šøWhere should I look to start my research into pension planning? š©Are there any ways to future-proof my pension savings in case of a divorce? š¼Should I do something different with my pension plan if Iām considering going self-employed? 1ļøā£ Should consolidate my pensions or keep them separate? š¤°How should I plan for my pension savings when preparing to go on maternity leave? š°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 š¼ But the reality of postpartum life isnāt always spoken about openly, so here are the costs I wish Iād known about beforehand: š¶š¼ Baby osteo - a game-changer for lots of new parents. š¤± Lactation consultant - feeding is a whole other topic but this can be invaluable (but Ā£Ā£Ā£) š§ Physio / MOT - prioritising your recovery can come at a cost. šļø Online shopping during the night feed - enough with the targeted ads at sleep-deprived parents! š©āš§Parent & baby classes - fun and good for finding friends but the costs add up. āļø All those coffees on all those walksā¦ - I know itās not just me?! So if youāre budgeting for a baby those are some things Iād factor in. If youāve been through it, were there any costs you hadnāt anticipated during those early months? ā¬ļø #moneytalks #moneyandmotherhood #motherhoodjourney #financialwellbeing