In this episode of the Mind Money Soul podcast, I’m going to be sharing

In this episode:

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In this episode of the Mind Money Soul podcast, I’m going to be sharing the psychology of spending.

I’ve had an absolute ball this summer #noregrets but I can say with confidence that I’ve bought and spent money on things that I definitely don’t need. Let’s be honest - most of us have been here. Our spending habits are closely tied to our mindset, so today we’ll be exploring this connection to help you make positive changes towards financial freedom. Moving from impulsive to intentional spending starts with building a strong connection to your goals and values. When you’re truly aligned with what you want for your future and the deeper reasons behind why you value money, it becomes easier to pause and ask, “does this purchase bring me closer to my goals, or does it pull me further away?” This kind of self-questioning helps you spend more intentionally, prioritizing what truly matters to you.

Seeing yourself as financially empowered is another powerful mindset shift. When you focus your self-worth and fulfilment on experiences, relationships, and personal growth—not just material goods—you create a sense of value that can’t be taken away. Your self-worth is built on how you view yourself, the way you show up in your relationships, and the impact you have on others, not on the things you own or the way others perceive you. The more in tune you are with yourself, the more you’ll enjoy life without relying on external gratification. Learning to sit with your emotions, knowing you’ll be okay regardless of what you’re feeling, is incredibly powerful. Material things might bring a quick fix but that feeling fades fast. Lasting fulfilment comes from within.

In this episode:

• What is impulsive spending?
• How does your belief system impact your spending?
• How does the reward cycle in our brain work?
• The influence of society, marketing and social media on our spending habits
• 6 ways to shift to more conscious spending

Resources

Download the ULTIMATE annual money planner

Connect with me on Instagram, on LinkedIn or on TikTok

Send me an Email

Book a Money Mindset Exploration Session

Get a copy of my FREE Monthly Spending Planner Template

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In this episode of the Mind Money Soul podcast, I’m going to be sharing why certain behaviours aren't helping you make any financial progress and 5 steps to implement change.

Tell me, do any of these beliefs or behaviours sound familiar? “Im so shit with money, whats the point in trying?” Maybe you start off the month with the best of intentions and a budget, but you make a small little mistake and the whole plan goes straight out the window. Perhaps you have an ‘all or nothing’ attitude, so you live by extremes and find yourself yo-yo-ing between saving and then splurging it all. Maybe you say things like “I’m a spender, I just can’t help it!”. Or maybe you’re a perfectionist and you think there's a perfect money management process out there where nothing goes wrong and you feel like you haven’t cracked it yet so you keep starting new every month and never make any process. If you relate to any of these, I’m going to be sharing why these behaviours aren't helping you make any financial progress and most importantly how to shift your attitude and energy.

I’ll be divulging why how you identify is how you will act, how the compound effect shapes your finances and habits over time and 5 ways that you can shift your energy and attitude. Getting honest with your habits, mindset and behaviours and acknowledging how the compound effect can shape your life over a year, and even 10 years, will help you start to make positive change. The quicker you can nip your negative behaviours in the bud and implement positive financial habits with your budgeting and your language, the quicker you’ll be able to create a life of financial freedom, whatever this looks like to you.

In this episode:

• How you identify is how you will act

• Why these behaviours aren't helping you make any financial change

• How the compounding effect applies to your finances and habits

• What happens if you keep making the same mistakes every month

• 5 ways to shift your energy and attitude

Resources

Download the ULTIMATE annual money planner

Connect with me on Instagram, on LinkedIn or on TikTok

Send me an Email

Book a Money Mindset Exploration Session

Get a copy of my FREE Monthly Spending Planner Template

Get a copy of my FREE Money Date Template

Join Becoming Debt Free

Join The Feel Good Investor

In this episode of the Mind Money Soul podcast, I’m going to be sharing the harsh reality that you might be wasting your time and money.

I’m going to call you out on this - if you are spending mindlessly, you are wasting your life. Ouch. That’s a killer to hear, I know. When you go to work, whether that is a 9-5, you run your own business or you’re self-employed, you are swapping your time for money. Time is our most valuable asset. Why? It’s a finite resource and we only have so much of it in a day, a week, a month, a year, a lifetime. Unlike money, once you’ve spent it, you can’t get it back or make any more. Which is why you could argue that time is more valuable than money.

So, if you go to work, swap your time for money and then mindlessly spend that hard earned cash on things that don’t add to your life, then you could say that you are wasting your life. Wealth is the ability to fully experience life, so if you find yourself spending on things that are not going to benefit your health, wealth or future self, or inhibits your ability to experience life to the fullest, then you need to schedule a money date. Get honest; evaluate your spending habits and get connected with your values in order to make conscious choices that support your goals and dream life.

In this episode:

• Why time is more valuable than money
• What does the ability to fully experience life mean to you?
• How poor choices can diminish your health
• Examples of 2 clients who were "wasting their life" due to their spending habits
• Mindful spending and assessing your habits: do you spend in line with your values?
• 3 actionable tips to help you work towards financial freedom

Resources

Download the ULTIMATE annual money planner

Connect with me on Instagram, on LinkedIn or on TikTok

Send me an Email

Book a Money Mindset Exploration Session

Get a copy of my FREE Monthly Spending Planner Template

Get a copy of my FREE Money Date Template

Join Becoming Debt Free

Join The Feel Good Investor

In this episode of the Mind Money Soul podcast, I’m going to be sharing what to do if you feel guilty spending your money.

There are two main reasons you might feel guilty about spending money: either you're not saving or investing enough to progress financially, or you're successfully building wealth but have a poor relationship with money. I’ll be helping you identify the source of your guilt and sharing tips on how to find the perfect balance between saving, investing and enjoying your money.

Some people save or invest most of their income, waiting for a certain point—like retirement at 60—to enjoy it. But as you age, your time, health, and energy diminish. If you keep waiting to enjoy your money, many of the things you're saving for might not be possible or desirable later in life. It’s crucial to seize opportunities and live in the now. If you wait to spend your money, your habits can become so ingrained that you’ll struggle to shift to a spending mindset later, and you'll keep finding excuses to postpone. That said, don’t spend everything—balance is key. This comes down to improving your relationship with money, budgeting and setting financial goals. The ultimate goal is to achieve financial freedom in order to retire comfortably and enjoy your dream life, but also to spend your money and create memories that will continue to pay dividends and last you a lifetime.

In this episode:

• Examples of how you might feel guilty spending money
• The two main reasons behind money guilt
• Practical tips for overcoming guilt around spending
• Exploring the emotional side of money and why you deserve to enjoy it
• The consequences of waiting until retirement to enjoy your money

Resources

Download the ULTIMATE annual money planner

Connect with me on Instagram, on LinkedIn or on TikTok

Send me an Email

Book a Money Mindset Exploration Session

Get a copy of my FREE Monthly Spending Planner Template

Get a copy of my FREE Money Date Template

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In this episode of the Mind Money Soul podcast, I’m going to be sharing 30 things I learnt at 30.

This week, I’m celebrating my 31st birthday! I felt compelled to share my own reflections on life, growing older and why your life does NOT end at 30. Like many, I feared this milestone. I entered the pandemic at 27 and felt like I’d been robbed of my prime years (I’m sure many of you can relate to this). So much is geared towards being in your 20’s; experimenting, having fun, experiencing life, not having it all figured out and the reassurance that it’s ok because this is what your 20’s are for. All this does is reinforce the idea that mistakes and messiness outside of your 20’s is not welcome and if you don’t have your shit together in your 30s then you’ve failed. Now that I’m on the other side of 30, I realise how untrue this is. This year I’ve cared less, felt more liberated and free than ever, and I’ve had SO MUCH fun. I’m truly 30, dirty and thriving and it’s going to be an ICONIC decade.

I’ve rounded up my own list of 30 life lessons I’ve learned along the way, from self-investment to why I’m so here for empowering sex, how a gua sha has quite literally changed my face, and why sometimes being delulu is the solulu. Tune in to hear why your thirties have the potential to be the best years yet, my top life lessons that will change your perspective on age, growth, and self-worth and how to thrive at any age—without the pressure of having it all figured out.

In this episode:

• Why your life does NOT end at 30

• My experience of empowering sex

• The #1 question you should ask yourself after a date

• The non-negotiable thing I do EVERY morning

• How to be the creator of your own life

Resources

Download the ULTIMATE annual money planner

Connect with me on Instagram, on LinkedIn or on TikTok

Send me an Email

Book a Money Mindset Exploration Session

Get a copy of my FREE Monthly Spending Planner Template

Get a copy of my FREE Money Date Template

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Join The Feel Good Investor

In this episode of the Mind Money Soul podcast, I’m going to be sharing the emotional, practical, psychological side of sticking to a budget.

Staying on track of your spending is one of the BIGGEST issues in my community; I want you to know you’re not alone. I’ll be real with you - I have been a master budgeter, but since I started my business, went full time, took a pay cut and made the conscious decision to do more in terms of living my life, budgeting has become more difficult. Money management and mindset is an ongoing journey. I’ve saved £40,000, I’m a money coach AND I’ve struggled to stick to my budget at points too. Have I always stuck to my budget? No. Have I got tricks that help me? Absolutely.

For a lot of you, the word ‘budget’ will bring up a lot of feelings about sacrifice and compromise but in actual fact, a budget is the tool that gives you freedom in the long run. This is why it’s so important to work past your emotional and psychological traps so you can use a budget to your advantage in order to build financial confidence, achieve financial freedom and expand your abundance mindset.

In this episode:

• Challenges of adhering to a budget
• The emotional aspects of managing a budget
• 4 practical strategies for staying on budget
• 4 emotional tips for maintaining your budget
• The long-term advantages of budget consistency

Resources

Download the ULTIMATE annual money planner

Connect with me on Instagram, on LinkedIn or on TikTok

Send me an Email

Book a Money Mindset Exploration Session

Get a copy of my FREE Monthly Spending Planner Template

Get a copy of my FREE Money Date Template

Join Becoming Debt Free

Join The Feel Good Investor

In this episode of the Mind Money Soul podcast, I’m going to be sharing 4 practical things you can do to break free from a scarcity mindset and unlock abundance.

As we say goodbye to our summer of fun and move into autumn, now is the perfect time to check-in on our money mindset. Have you caught yourself recently saying comments like “I’ll never be able to afford that” or “I won’t get that money back”? Language and thoughts like these are tell-tell signs that you have adopted a scarcity mindset. This mindset will hold you back and can lead to poor financial decisions. You might find yourself stuck in a pay check to pay check situation or missing out on amazing opportunities because you’re afraid to let go of your money. You might find yourself not investing in things like stocks, courses, and business opportunities because you’re afraid of losing money. Ironically, this mindset is the thing that holds you back from making moves that will build you wealth over time.

This is why it’s imperative that you shift to an abundance mindset, if you dream of a life full of financial freedom. With an abundance mindset, you’ll be more likely to make good financial decisions, take strategic risks, invest in your future and make long term decisions that will build real wealth. It’s important to acknowledge where your mindset is at right now, where it could be, and where it’s holding you back, so that you can take action and make massive shifts in your financial freedom. You have the power to take these small steps and you have the capability to learn. The more you learn, the more action you can take, and each day you’ll see how this domino affect will transform your confidence and wealth.

In this episode:

• What is a scarcity mindset?
• How a scarcity mindset holds you back financially
• What is an abundance mindset?
• How abundance shifts your financial perspective:
• 4 practical things you can do to shift from scarcity to abundance

Resources

Download the ULTIMATE annual money planner

Connect with me on Instagram, on LinkedIn or on TikTok

Send me an Email

Book a Money Mindset Exploration Session

Get a copy of my FREE Monthly Spending Planner Template

Get a copy of my FREE Money Date Template

Join Becoming Debt Free

Join The Feel Good Investor