Women & Money Cafe

Julie Flynn

The Women and Money Cafe is a space where women can come to listen and learn about all things money in a friendly, informal, no-jargon environment. Hosted by practising independent financial adviser and financial coach Julie Flynn. Each episode in the Women and Money Cafe we bring together members of our expert panel of female financial advisers, coaches, investment managers, guest experts and women from all walks of life to share, support and make space for Women to feel empowered with money. We make finance accessible and fun whilst expertly de-mystifying money and sharing our wealth of expert knowledge.Come join us on the sofa, in the Women & Money Cafe

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Top 10 Women & Money Cafe Episodes

Goodpods has curated a list of the 10 best Women & Money Cafe episodes, ranked by the number of listens and likes each episode have garnered from our listeners. If you are listening to Women & Money Cafe for the first time, there's no better place to start than with one of these standout episodes. If you are a fan of the show, vote for your favorite Women & Money Cafe episode by adding your comments to the episode page.

16. Women in Business with Carol Deveney - Women and Money Cafe

Women & Money Cafe

02/21/22 • 43 min

In this episode we are joined by Carol Deveney. Carol was a regular in our Clubhouse days. Carol talks so much sense about money, about business and just about anything. Carol has a super power, which she's going to share with you: helping entrepreneurs work with corporates.

Even if you don't think this is relevant to you, have a listen. Because that's what Julie thought. Now, thanks to Carol's advice, she has a corporate speaking gig, and lots more.

5.59 Carol explains how she started helping people do what she does
8.01 How women's day rates differ to men's
10.26 Having no shame about saying how much you charge
13.14 How to break through a self imposed earnings cap
17.38 Upper and lower comfort levels of earnings
22.07 How Carol's business degree & post grad helped her become an outstanding leader
28.57 Why family and friends are not always the best people to talk to about your business
37.18 Where to get more on how to start working with corporates
GUEST EXPERT
Carol Deveneny runs a group for entrepreneurs who would like to learn how to sell their products or services to corporate organisations or businesses.

Carol Deveney is an entrepreneur who owns a successful consulting business selling to some of the biggest corporates across 3 continents. She also helps entrepreneurs who would like to learn how to sell their products or services to corporate organisations or businesses.

Entrepreneurs getting into corporatehttps://www.instagram.com/caroldeveney_/_________________________________________________________________________________
YOUR HOSTS:Catherine Thomas-Humphreys is an Award Wining Financial Coach, Qualified Financial Adviser and Family Will Writer. Catherine believes money is a force for good and when in the hands of good people can be used to do great things. She loves working with purpose-led parents who are ready to change their money habits & beliefs to achieve financial success for themselves and their family.

The Finfluencer|Finfluence|Instagram

Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.

Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.

Ebb & Flow Financial Coaching|Bree Wealth & Tax|Instagram

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✅ And if you enjoyed the show, please leave us a review.

We genuinely love hearing your questions and feedback.
So, email us a voice note [email protected] or via instagram with your thoughts and suggestions.

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69. Buy now pay later (BNPL) with Sara Williams

Women & Money Cafe

03/06/23 • 40 min

We're joined by the fabulous Sara Williams aka @debtcamel in this episode to take a closer look at BNPL.
We'll be looking at:

How it can be used in a good way
Is it better than a credit card?
What if you're thinking of getting a mortgage
Can it help build your credit score? Or does it harm it?
Are you pretend 'adulting' with BNPL?
The pitfalls of using multiple BNPL schemes and how to manage them
And what may change in the future with the introduction of regulation

If you are looking for some tips on how to manage your money check out episode 26 about budgeting.
💥UPDATE: since recording, Klarna have announced they will begin charging late fees from 16th March 2023💥
GUEST EXPERT
This week we are joined by Sara Williams aka Debt Camel. Sara is a debt expert having been a debt adviser for over 20 years. She set up Debt Camel in 2013 to write about what really matters to people who have a debt problem and to talk about the common questions that get asked.
Website: debtcamel
Instagram debtcamel
YOUR HOSTS
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.

Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
Cafe Expert:
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook

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38. Cost of living - what you really need to know with Sara Williams

Women & Money Cafe

07/24/22 • 55 min

This week we are joined by Sara Williams aka Debt Camel. Sara is a debt expert having been a debt adviser for over 20 years. She set up Debt Camel in 2013 to write about what really matters to people who have a debt problem and to talk about the common questions that get asked.
In this episode we talked about the impact of the escalating costs of living with practical tips on what can be done to counter it. Sara shares more on Julies favourite Instagram post on her combi boiler tip, the importance of revisiting your budget to identify where savings can be made and our newest Women and Money Cafe Expert (also called Sara!) shared her insight on acceptance and other emotions.
Follow Sara aka DebtCamel:
Website: debtcamel
Instagram debtcamel
YOUR HOSTS:Catherine Thomas-Humphreys is an Award Wining Financial Coach, Qualified Financial Adviser and Family Will Writer. Catherine believes money is a force for good and when in the hands of good people can be used to do great things. She loves working with purpose-led parents who are ready to change their money habits & beliefs to achieve financial success for themselves and their family.

The Finfluencer|Finfluence|Instagram

Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.

Ebb & Flow Financial Coaching|Bree Wealth & Tax|Instagram

Cafe expert:
Sara is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives. As a woman who herself continues to juggle work, family and hormones, she believes its never too late and every woman deserves the opportunity to flourish
Sara's Website: sarafranceswalker

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50. I've inherited some money, and I feel ____________

Women & Money Cafe

10/23/22 • 32 min

Guilty? Fear? Shame? Nervous? Reckless?
These are just some of the feelings that can come up for us when we've inherited money.
Inheriting money can bring about some strong emotional reactions and challenges. It can feel very lonely if you are in this situation, and it’s not something that is easy to talk about.

It’s not unusual to feel that you are the “custodian” of inherited money, especially if children are involved. This can lead to putting yourself under all kinds of pressure, and even cause anxiety and fear.

Guilt is another common emotion we see come up with inherited money. Sometimes we want to ignore the money, or hope it goes away. Because fundamentally we would rather have the person we lost back than the money. Shame is another emotion that can come up. Strong stuff!

We also talk about how the person died can influence how we think and feel. How we react to the loss of someone after a long illness and can be very different to a sudden death, such as suicide.

We are going to share some stories that we’ve experienced personally and professionally.

We hope that this episode can help you think and feel differently and any money you have inherited.

If this episode strikes a chord with you, please remember that we are financial coaches as well as financial advisers, and this is actually an area we are experienced at helping people with. So do get in touch if you would like some support.

YOUR HOSTS:
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.

She uses her years of experience and research to support women experiencing or planning significant change in their lives.

Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.

Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram

Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Following a career break where she spent time being a mum and running an arts and crafts business, Michelle returned to financial services in 2013 undertaking further study.
Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Michelle has a passion for providing financial advice, guidance and education to everyone, regardless of their gender, age or current circumstances.
Website | Instagram
Cafe Expert:
Emily Pool is a Financial Planner and Will Writer and Founder of Happy Planet Financial Planning and is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.

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75. Simplify Your Money with Pete Matthew

Women & Money Cafe

04/16/23 • 50 min

When we keep things simple, we get stuff done. Fact!
This episode is looking at how to apply this to your money. And who better to help us with simple actionable money tips than Pete Matthew, of the Meaningful Money podcast.
Pete is the king of keeping it simple and getting stuff done so we're very excited he's joined us for this episode. Check out Pete's podcast in the link below.

We'll be answering questions on:
1. How to simplify your pensions (handy checklist below)2. How to simplify your paperwork
3. The most common way we accidentally over-complicate money
4. Simplify your thinking
5. Simplify your spending plan (a budget that works linked below)6. Our all time favourite quick wins clients have fallen in love with

SPECIAL GUEST: Pete Matthew is a 25-year veteran Chartered Financial Planner, CEO of Jacksons in Penzance, husband to Jo and Dad to two grown-up daughters.
In 2010 he picked up a video camera and shot the first video for what would become Meaningful Money. Since then the YouTube channel has clocked up over 4 million views and the podcast has been downloaded 6 million times.
For Pete, financial planning is a life skill that should be taught in school and the workplace, but in the absence of that, his goal is to provide as much information as he can, so that ordinary people can help themselves become financially free.
Meaningful Money Podcast
Meaningful Money YouTube

Pension checklist https://meaningfulmoney.tv/2021/03/16/uk-pensions-checklist/

Budget planner https://meaningfulmoney.tv/budget-planner/

YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.

Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CAFE EXPERTS:
Emily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.

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53. Shit! I've opened my pension statement. Now What?

Women & Money Cafe

11/14/22 • 39 min

We all reach a point when the pension statement arrives. We feel the need to do something about it. Maybe you’ve googled financial advisers.
We’re going to walk you through what happens when you go to see a financial adviser about your pension.

There’s something important we want you to know, no matter how big or how small your pension is, we’re here to help. Your pension matters because you matter.

Some of the things we cover:

How to find a financial adviser
What happens in the first meeting
What to bring with you to the meeting
What we’re looking at in the paperwork
How we will explain your pensions to you
What happens at the end of the meeting

Resources:
Pension Wise
Pension Tracing Service
VouchedFor
Unbiased

YOUR HOSTS:
Catherine Thomas-Humphreys is an Award Wining Financial Coach and Family Will Writer. Catherine believes money is a force for good and when in the hands of good people can be used to do great things. She loves working with purpose-led parents who are ready to change their money habits & beliefs to achieve financial success for themselves and their family.

She founded #TheFinfluencer as a safe space to coach and empower parents to influence, make, save, spend and grow money, consciously, ethically and positively.

The Finfluencer | Finfluence | Instagram

Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive her. She uses her years of experience and research to support women experiencing or planning significant change in their lives.

Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.

Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram

Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Michelle has a passion for providing financial advice, guidance and education to everyone, regardless of their gender, age or current circumstances.
Website | Instagram
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.

Support the show

85. Investing Smarter, not Harder: WTF is a multi asset fund?

Women & Money Cafe

06/25/23 • 11 min

Welcome to Women & Money Cafe, where we explore all things finance through the lens of women. In today's solo episode, we'll be diving into the topic of multi-asset funds.
First, let's talk about what a multi-asset fund actually is. As the name suggests, it's a fund that includes multiple assets, such as stocks and shares, bonds, property and commodities, blended together to create different levels of portfolio risk. By investing in multiple assets, we can help to reduce risk and achieve more predictable returns.
So why would you invest in multi-asset funds? Well, for starters, they're designed to help manage risk and provide broad diversification. A multi-asset fund contains a variety of assets that are managed by a fund manager, who is responsible for keeping the risk level appropriate by buying and selling different assets as needed. This means that investors only need to determine their desired risk level and buy the appropriate fund while the fund manager takes care of the rest.
When investing in a multi-asset fund, there are two types to consider. The first is active, where a fund manager chooses investments daily and aims to outperform the market index. Alternatively, there are passive multi-asset funds, which have lower management fees and buy tracking funds to follow the index.
When choosing a multi-asset fund there are different factors to consider such as an existing pension or starting with an ISA. It's important to look out for keywords such as managed, portfolio, active, passive, cautious, moderate, balanced, or adventurous.
And while stocks and shares typically make the most money over time, other assets such as bonds, guilts, and property, are included in the fund to help balance risk and volatility. Asset allocation refers to deciding how much of the fund is allocated to each asset, with stocks and shares being the asset class with the greatest impact on the level of risk and volatility.
Ultimately, multi-asset funds are a great option for anyone looking to manage risk and achieve diversified returns while investing. By letting a fund manager handle the assets and making allocations based on your desired risk levels, it's a low-maintenance option that can save you time and stress in the long run.
That's it for this solo episode of Women & Money Cafe. Be sure to tune in next week as we'll be discussing a brand new topic with a special guest. As always, thanks for listening and see you next time!
YOUR HOST

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118. Should I overpay my mortgage?

Women & Money Cafe

02/12/24 • 24 min

We discuss the age-old dilemma of whether to overpay your mortgage or not.
- Debt management: Understanding the importance of addressing other debts before focusing on your mortgage.
- Establishing an emergency fund: The significance of having a financial cushion for unexpected expenses.
- Mortgage provider policies: Exploring the limitations and potential penalties for overpaying your mortgage.
- Calculating the interest rate differentials: Michelle walks through the math behind comparing mortgage interest rates and savings rates to determine the most effective use of your money.
- Setting up overpayments: Practical tips on setting up regular overpayments and the benefits of automation.
- Offset mortgages: Michelle explains the nuances of offset mortgages and the considerations when deciding on overpayments.
Resources:
- Debt Payoff Calculator
- Sprive app
- MSE website
YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.

Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTS
Emily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.

Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.
Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook

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87. Using your values to hack big decisions

Women & Money Cafe

07/10/23 • 36 min

In this episode, we explore the powerful impact of values in our personal and professional lives. We start off by sharing a real-life coaching experience where a client was grappling with some tough business decisions.
We touch upon the different ways in which our values can be influenced by our surroundings and share a fantastic resource personalvalu.es which gamifies finding your values. It identifies your top 5 values, and you can even display them as a wallpaper on your phone!
We explore the concept of authenticity and the importance of ensuring that our values truly reflect who we are, without any pretense or societal influences.
In the spirit of transparency, we open up about personal challenges that have shaped and solidified our understanding of our values. From traveling alone and feeling truly in tune with ourselves to witnessing social injustices, these experiences have left an indelible mark on our core values.

We also explore helpful strategies to discover and clarify our values, including questions to help use your values, and identifying non-negotiables. We also discuss the shadow side of values and how to ensure that our perceived values are truly our own, free from societal expectations.
Join us for this thought-provoking episode as we dive deep into the world of values and how they shape our lives.
Brené Brown list of values also check out her book Daring Greatly and Mark Manson's The Subtle Art of Not Giving a F*ck

YOUR HOST

Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram
CO-HOSTS
Emily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.
Michelle Lambell started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.

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42. DIY a Financial Plan

Women & Money Cafe

08/21/22 • 74 min

What is a financial plan? And do you need one?

Julie & Catherine are going to walk you through the 3 steps to building your own financial plan. You can make it as complicated as you want, or you can keep it to one page.

To us, the plan is a like road trip across Europe. We may not have a fixed destination, but we have lots of things we want to see along the way.

What is important to you
Start to shape your goals
Plug in the numbers

Along the way we’ve made up some golden rules. The 1st one is that the plan is not about perfection. Don’t get hung up on precise details.
Rule number 2 is remember this is about guessing, so it will not turn out exactly as you planned at the beginning. And that’s ok, because most of us change as we go through life.
Rule number 3, money is not your only commodity. You have time and talent!
4.23 Rule 3 explained
7.49 what is a financial plan
11.40 questions to help you with step 1
14.42 how the goals emerge from step 1
25.48 recap of the questions to ask yourself
27.43 Moving from step 2 to step 3
35.26 The numbers
42.30 Calculate your net worth
46.52 Another golden rule

Grab a copy of our One Page Plan as a PDF or word doc.
The savings plan section of this Calculator can do all of the numbers you need for step 3

YOUR HOSTS:Catherine Thomas-Humphreys is an Award Wining Financial Coach, Qualified Financial Adviser and Family Will Writer.
Catherine believes money is a force for good and when in the hands of good people can be used to do great things. She loves working with purpose-led parents who are ready to change their money habits & beliefs to achieve financial success for themselves and their family.

She founded #TheFinfluencer as a safe space to coach and empower parents to influence, make, save, spend and grow money, consciously, ethically and positively.

Financial coaching - The Finfluencer
Catherine’s bitesize money wisdom - Instagram

She uses her years of experience and research to support women experiencing or planning significant change in their lives.

Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.

Financial coaching - Ebb & Flow
Financial advice - Bree Wealth & Tax
Julie’s inexpert social media antics - Instagram

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FAQ

How many episodes does Women & Money Cafe have?

Women & Money Cafe currently has 129 episodes available.

What topics does Women & Money Cafe cover?

The podcast is about Society & Culture, Women, Investing, Personal Journals, Mindset, Money, Fun, Financial, Podcasts, Fire, Finance, Self-Improvement, Education, Advice and Coach.

What is the most popular episode on Women & Money Cafe?

The episode title '16. Women in Business with Carol Deveney - Women and Money Cafe' is the most popular.

What is the average episode length on Women & Money Cafe?

The average episode length on Women & Money Cafe is 40 minutes.

How often are episodes of Women & Money Cafe released?

Episodes of Women & Money Cafe are typically released every 7 days.

When was the first episode of Women & Money Cafe?

The first episode of Women & Money Cafe was released on Nov 12, 2021.

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Women & Money Cafe

Julie Flynn

Top 10 Women & Money Cafe Episodes

FAQ

How many episodes does Women & Money Cafe have?

What topics does Women & Money Cafe cover?

What is the most popular episode on Women & Money Cafe?

What is the average episode length on Women & Money Cafe?

How often are episodes of Women & Money Cafe released?

When was the first episode of Women & Money Cafe?

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