38. Cost of living - what you really need to know with Sara Williams
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 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:
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
✅ 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.
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 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:
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
✅ 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.
Previous Episode
37. Summer Money Survival Guide
This week: how to keep children entertained for the summer holidays on a budget.
Some of us mums have a predisposition to feel guilty. Be that for not spending enough time or money with our children. We'd like you to give yourself a pass for the summer.
- Children don’t need to be doing things all the time
- A lot of them like a bit of down time
- Chat with other parents to tag team
- Independence check – they get older without us realising & can do a lot more themselves
Catherine will be sharing her Magical Mystery Tour tactic she used when her children were younger to manage costs. Julie shares the strategies her clients who are widowed with young families use to make the most of the time.
5.32 You need a plan!
7.26 The Magical Mystery Tour box
11.29 How to build a support network
15.38 Affordable options
21.47 Start the summer with a project
23.30 Deals & freebies
25.41 How to make the free things feel special
32.37 How to handle conversations if there isn’t much money
RESOURECS:
Army Cadets
Let’s Go Summer 2022
Ted talks for kids
Easy science experiments
STEM for kids
Meerkat Movies
Itison
Groupon
Kids eat free
Geocaching
Scavenger Hunt
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
✅ 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.
Next Episode
39. Don't Bank on the Bomb - Ethical Money Audit
As you will know there are some subjects that really get us fired up, and one of Julie’s red buttons is weapons. Now we often talk about having your money aligned with your values, and while Julie has her pensions and investments aligned with her values, she asked Catherine what else could she be doing to ensure her money wasn’t inadvertently supporting war and weapons.
Enter Catherine’s ethical money audit.
Catherine’s research showed us that there are 25 companies involved in creating nuclear weapons. Which made Julie’s audit a little easier to do. But Catherine has the skills and experience to help anyone who wants to fine tune the spending and money to reflect their values.
Catherine’s audit included:
- Banks – we’ve got two green banks, and two red banks
- Mortgage – we found that a lack of transparency by some banks makes it difficult to truly understand what they do with our money. Julie will be letting her mortgage broker know to avoid weapons next time she’s remortgaging.
- Insurers – some of the big providers are insuring the 25 companies. But wishy washy ESG policies aren’t helping
About half way through the audit, Catherine must give a green status to a company it’s fair to say she is not aligned with. Can you guess who it is?
We also touch briefly on investments. While we are big fans of keeping investing simple, which is kind of code for passive investing, Catherine highlights why you might want to rethink this approach if you have values like Julie.
App of the week – Sprive for clearing your mortgage early. We love how simple this app is and the control it gives you.
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
✅ 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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