96. Budgeting Bliss (a true story)
09/10/23 • 44 min
In this episode Sara grills Julie on how she went from budgeting disaster to master of spending plans.
They have a really frank discussion about what went wrong for Julie when she's tried budgeting in the past. Why as much as she loves apps, they just didn't work for her. She'd get disheartened and give up. Plus, like some of you, she thought what's the point? There's enough coming in to pay for everything. Do you really need a budget?
Find out what changed and how she's now found a way to create a spending plan she can stick to.
One to watch out for is the struggle of categorising Amazon expenses and navigating the ever-changing landscape of digital purchasing.
Ultimately, nailing monthly spending has left Julie spending her money on what truly matters to her and improving her overall well-being.
💰 Since recording, Julie went and checked her takeaway/coffee spend from 2022 - £230 per month.
RESOURCES:
Pete Matthew's Spreadsheet
Money Dashboard
Lumio
Emma
RELATED EPISODES
26. Budgeting, lets stop pretending there is a holy grail
28. Everything you've been told about emergency funds is wrong
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
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.
✅ 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 Sara grills Julie on how she went from budgeting disaster to master of spending plans.
They have a really frank discussion about what went wrong for Julie when she's tried budgeting in the past. Why as much as she loves apps, they just didn't work for her. She'd get disheartened and give up. Plus, like some of you, she thought what's the point? There's enough coming in to pay for everything. Do you really need a budget?
Find out what changed and how she's now found a way to create a spending plan she can stick to.
One to watch out for is the struggle of categorising Amazon expenses and navigating the ever-changing landscape of digital purchasing.
Ultimately, nailing monthly spending has left Julie spending her money on what truly matters to her and improving her overall well-being.
💰 Since recording, Julie went and checked her takeaway/coffee spend from 2022 - £230 per month.
RESOURCES:
Pete Matthew's Spreadsheet
Money Dashboard
Lumio
Emma
RELATED EPISODES
26. Budgeting, lets stop pretending there is a holy grail
28. Everything you've been told about emergency funds is wrong
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
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.
✅ 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
95. Women's Guide to Income Protection with Kathryn Knowles
We have the protection legend and guru, Kathryn Knowles, with us for this episode talking income protection. In under an hour Kathryn is going to share everything you need to know about this really vital (but not talked about) part of the protection puzzle.
Our favourite part? Kathryn's image of a cash machine in your front garden - which she is prepared to go to any lengths to protect - retinal image scans and baseball bats!
Areas Covered:
- Exclusions and changes in insurance policies
- Maternity leave and insurance coverage
- Impact of reduced hours on income protection eligibility
- Mental health and musculoskeletal conditions in income protection insurance
- Different premium options and their long-term costs
- Occupation-related factors affecting insurance rates
- Understanding income protection vs. unemployment cover
- Tailoring income protection policies to individual needs
- Difficulties in obtaining insurance and knowing the right questions to ask
- Occupational risk ratings and their implications for coverage
- Varying lengths and time limits for income protection coverage
- Assessing the impact of mental health on insurance decisions
Liked this? Check out Kathryn's first appearance on the podcast in episode 74 - Everything you need to know about life insurance.
Check out Kathryn's podcast (link below) where you'll find an answer to every question you might have about insurance. Really good resources if you have a specific health issue and you are wondering how insurers treat it.
GUEST EXPERT: Kathryn Knowles is a specialist adviser for personal, business and group life insurance, critical illness cover and income protection, within the UK and internationally. Kathryn produces videos and a podcast that are used within the insurance sector, by charities and the general public, as a way to educate about ways to access insurance.Podcast | Twitter | Instagram | LinkedIn
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
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.
✅ 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
97. Rule Breaking with Karen Webber
We're diving into the world of marketing with guest expert Karen Webber. In this episode, we challenge commonly held beliefs about marketing and explore the power of ethical practices, and how Karen loves breaking the rules and getting others to do it to. Here's what you can expect:
- What is ethical marketing
- Shady practices that go on
- Why some big businesses get it SOO wrong
- How to show up as yourself - flash a bit of metaphorical ankle
Check out The Ethical Move and Lucy Werner's Hype Yourself
Episode 90: F$$k Perfectionism
GUEST EXPERT: KAREN WEBBER is a marketing coach and strategist. As the owner of Goodness Marketing, Karen helps small businesses with big hearts do marketing that feels good, does good and gets good results. Before starting Goodness Marketing in 2017, Karen worked as a marketing director for a marketing agency. Previously she worked in various editorial and comms roles in London, Manchester and her native South Africa.
Fab Newsletter | Instagram | LinkedIn | Awesome Retreat | Do-Crew
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
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.
✅ 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.
Women & Money Cafe - 96. Budgeting Bliss (a true story)
Transcript
Sara [00:00:36]:
Welcome to this episode of the Women in Money Cafe. Today, we're going to shake things up a little bit. So Poole is going to be grilled, and I'm having a go at introducing this and hope the whole idea was to give Poole a break, but she's not trusting me fully, so she's just going to sit on the other side of the fence instead. So I'm Sarah Walker, and I'm sometimes one of the experts on this wonderful podcast. And I'm sure you all know Julie well. So today, I'm going to
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