Women & Money Cafe

In this episode , the hosts, including returning founder member Tamsin Caine, explore the challenges and opportunities of managing finances as a single woman, particularly after a divorce or widowhood. They discuss the emotional and practical aspects of taking full control of finances, from setting up emergency funds to investing for the future. With a focus on empowerment, the episode covers the importance of building a support system, and the benefits of financial planning for single individuals and the importance of having a 'money wife' for support and accountability.
GUEST EXPERT : TAMSIN CAINE is a Chartered Financial Planner and Resolution Accredited Divorce Finance Specialist (one of only 35 in the country). She hosts the Smart Divorce podcast, has cowritten a book Your Divorce Handbook It’s What You Do Next That Counts and has appeared in the national press commenting on financial issues in divorce. She is a single mum to Charlie and Zoe and is a huge rugby fan, currently managing the men’s team Sale FC Vikings.
Follow Tamsin on Instagram | Facebook and check out her podcast
00:48 Navigating Finances Solo: Insights from a Divorce Expert
02:10 The Emotional and Practical Challenges of Managing Money Alone
07:17 Gaining Confidence and Knowledge in Financial Independence
10:47 The Divorce Process: A Path to Financial Literacy
23:18 Financial Resilience and Protection for Single Women
26:06 The Value of Income Protection
28:21 Building Financial Resilience: Emergency Funds
36:00 The Importance of a Financial Support System
38:18 Navigating Financial Planning as a Single Parent
95 - Income Protection
28 - Emergency Funds
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.

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After the success of episode 70 (Atomic Habits for Money) we thought we should revisit actionable strategies for managing and reducing spending, highlighting the power of small changes in achieving big financial goals. Here are some key takeaways from the episode:
- Reviewing Amazon orders and subscriptions to cut unnecessary expenses
- Cancelling unused subscriptions and keeping track of family shared expenses
- Celebrating financial wins by allocating a small amount for treats or charitable donations
- Breaking big financial goals into small, achievable habits
- Creating a money calendar to keep track of financial commitments and important dates
- Using cashback sites and comparison websites like QuickCo to save costs
- Monitoring automated saving pots and using apps for various saving purposes
- Using Credit Karma to check credit score and receive notifications for any changes
- Changing environment to prevent impulsive spending
- Incorporating color and creativity into daily routine for better financial management
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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✅ 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.

We have a super cool episode for you in this one with hypnotherapist Katie Crooks. She brings a wealth of insights on overcoming self-sabotage and imposter syndrome, empowering listeners to tap into their true potential.
Stay tuned to the end when Katie blows our mind with the significance of the word "try" and why Julie is determined to eliminate it from her vocabulary.
What Katie is reading: A New Earth - Eskhart Tolle and Secrets of a Millionaire Mindset - T Harv Eker
SPECIAL GUEST: KATIE CROOKS is a multi-talented singer, performer, and voice coach with over 20 years of experience. She has transitioned into hypnotherapy to help artists overcome the limitations and blockages in their vocal performances. Follow Katie on Instagram
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

Support the show

✅ 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.

In this episode of the Women in Money Cafe, the hosts discuss their old beliefs about money and reveal how they've evolved their views. From thinking they were useless with money or that they didn't deserve it, to believing that wealth equates happiness, each shares their journey to understanding their relationship with money. They touch on the impact of upbringing, work pressures, societal influences such as social media on perceptions about money and address money-related guilt. They also reflect on how financial coaching has illuminated their misconceptions and helped them reshape their thoughts around money, emphasising that everyone's belief about money is unique to their personal experiences and circumstances.
00:00 Introduction and Welcome
00:11 Exploring Old Beliefs About Money
00:52 Introducing the Co-Hosts
01:33 Sara's Money Beliefs Transformation
09:31 Emily's Perception of Money and Happiness
16:48 Michelle's Journey to Self-Worth and Money
28:04 Julie's Realization About Money and Importance
33:26 Final Thoughts and Wrap Up
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

Support the show

✅ 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.

We're busy planning our next batch of episodes for you. So do let us know if you have any requests.
In the meantime, over the coming weeks, each of the hosts is going to be sharing one of their favourite episodes.
This week it's one of our very early episodes, 21. I've got £10k what should I do with it.
The great thing about this show was that the principles we apply work whatever sum of money you have. If £1,000 has just landed in your bank account you weren't expecting, or if it's £100,000. Have a listen for the steps we suggest you follow.
One thing to note, this was originally recorded back in 2022. Back then interest rates were a lot lower than they are today in 2024. So it is definitely worth shopping around for bank interest rates. I'm going to caveat that though, the purpose of money held in the bank is not to make money, the main purpose is that it's money you can get your hands on quickly with no risk of value going up and down.

Support the show

✅ 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.