103. The Reality Of Homebuying From First-Time Buyers (LIVE From P2P August Event) Pennies To Pounds podcast

20:04

Send us a text In this episode, we’re diving deep into why financial protection is non-negotiable and how to safeguard your future with the right insurance. We’ll break down key areas like income protection , life insurance , and critical illness coverage so you can make informed choices about your financial security. Here’s what we’re unpacking: Why the unexpected can happen anytime, and how to be prepared. The importance of income protection and how it keeps you covered if things go wrong. What life insurance does and why it’s essential, even if you think you’re too young. Why critical illness cover is a game-changer — and why everyone needs it. Busting common myths about insurance that could cost you down the line. Tips on how to find the right financial advisor or broker to guide you through the process. Ready to protect your future? For more personalised advice, contact Adrian Benjamin for a free consultation on social media. FOLLOW ADRIAN: 💰 Instagram: https://www.instagram.com/adrian1b1/ 💰 LinkedIn: https://www.linkedin.com/in/adrian-benjamin-cemap/ 💰 Facebook: https://www.facebook.com/profile.php?id=61556540363988 Support the show FOLLOW PENNIES TO POUNDS 💸 Instagram - https://www.instagram.com/penniestopoundspod/ Twitter - https://twitter.com/penniestopound TikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1 LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds Website - www.penniestopounds.co.uk Contact - info@penniestopounds.co.uk…

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121. Earn Money on Shopping and Supporting Black Businesses ft Matthew Addai (Cashblack) 26:55

5 weeks назад26:55

26:55

Send us a text In this episode, we’re exploring Cashblack , a game-changing cashback platform supporting Black-owned businesses and fostering community growth. We explore the platform’s origins, born from a pivotal social moment, and how it’s changing how we shop while empowering communities. You’ll hear about how Cashblack works, what makes it stand out, and the innovative strategies behind building trust with users and established brands. Key highlights include: • The origin story of Cashblack and how it came to life during a key social moment • A breakdown of how Cashblack works and its unique selling points • The power of trust-building through strategic partnerships • The challenges Cashblack has faced on its entrepreneurial journey • The vital role of community feedback and engagement in shaping the platform • Exciting upcoming features and plans for expanding the Cashblack experience This episode is packed with insights into how one platform makes a real difference and paves the way for future growth and economic empowerment. Support the show FOLLOW PENNIES TO POUNDS 💸 Instagram - https://www.instagram.com/penniestopoundspod/ Twitter - https://twitter.com/penniestopound TikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1 LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds Website - www.penniestopounds.co.uk Contact - info@penniestopounds.co.uk…

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120. Automate Your Finances: Stress-Free Money & Mindset ft Laura Ann Moore 31:35

6 weeks назад31:35

31:35

Send us a text In this episode, we explore the benefits of automating your finances and focus on the mindset shifts needed to embrace this approach. Laura Ann Moore, a money mindset expert, shares insights on the emotional hurdles surrounding financial automation and practical steps listeners can take to create a healthier relationship with money. We cover: • Understanding the concept of money on autopilot • Importance of mindset when managing finances • Overcoming fear of losing control through automation • Steps to set up (and revisit) automation effectively • Encouraging open money conversations in relationships • Embracing a positive financial mindset for long-term success Support the show FOLLOW PENNIES TO POUNDS 💸 Instagram - https://www.instagram.com/penniestopoundspod/ Twitter - https://twitter.com/penniestopound TikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1 LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds Website - www.penniestopounds.co.uk Contact - info@penniestopounds.co.uk…

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12 Days Of Finance, Day 4: The Financial Checklist Every 20-Something Needs When Starting a New Job 6:49

10 weeks назад6:49

6:49

Send us a text Just graduated and ready to take control of your finances? This episode is packed with the essential money moves you need to crush your career and financial goals from day one. Here’s what we’re covering: Unlock your future: Why workplace pensions are your secret weapon for long-term savings. Invest in YOU: Explore employer-backed opportunities to grow your skills and income. Meal prep vs. eating out: How everyday choices can save you big bucks. Plan your next move: Set yourself up for career and salary growth right from the start. Support the show FOLLOW PENNIES TO POUNDS 💸 Instagram - https://www.instagram.com/penniestopoundspod/ Twitter - https://twitter.com/penniestopound TikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1 LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds Website - www.penniestopounds.co.uk Contact - info@penniestopounds.co.uk…

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12 Days Of Finance, Day 3: Say Goodbye to Overspending: Stop Budgeting the Wrong Way 8:28

10 weeks назад8:28

8:28

Send us a text In this festive episode, we’re offering all the tips you need to master your money in 2025—without sacrificing the fun. From breaking down budgeting methods that actually work to showing you how to track every penny (even in a cashless world), this episode is your ultimate guide to balancing smart spending with guilt-free enjoyment. 💸 Here’s what we’re unpacking: • The 50/30/20 method and why it’s a game-changer • Zero-based budgeting for ultimate money control • How to adapt the cash envelope system in today’s digital world • Our fave budgeting tools—pen and paper, spreadsheets, apps, you name it! • Why monthly budget reviews keep your money aligned with your life • Automating your savings for a stress-free future • Clever ways to categorise expenses for crystal-clear visibility • And, of course, creating a fun fund to treat yourself guilt-free! Prepare to make budgeting simple, stress-free, and even fun! Support the show FOLLOW PENNIES TO POUNDS 💸 Instagram - https://www.instagram.com/penniestopoundspod/ Twitter - https://twitter.com/penniestopound TikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1 LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds Website - www.penniestopounds.co.uk Contact - info@penniestopounds.co.uk…

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12 Days Of Finance, Day 2: How to Hit Every Financial Goal You Set 8:03

11 weeks назад8:03

8:03

Send us a text It’s time to stop wishing and start winning with your finances! In this episode, Kia breaks down the art of setting financial goals that you’ll actually achieve. Using the SMART framework, she shows you how to turn your big dreams into actionable plans that deliver real results. 💸 Here’s what we’re covering: ✨ Why vague goals won’t cut it and how to get specific ✨ The power of progress checkpoints to keep you on track ✨ How to set goals that are realistic, achievable, and life-changing ✨ Breaking down your financial journey into short, mid, and long-term wins ✨ Staying motivated and disciplined when the going gets tough If you’ve ever felt stuck or overwhelmed by your financial goals, this episode will give you the tools and confidence to take charge. Support the show FOLLOW PENNIES TO POUNDS 💸 Instagram - https://www.instagram.com/penniestopoundspod/ Twitter - https://twitter.com/penniestopound TikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1 LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds Website - www.penniestopounds.co.uk Contact - info@penniestopounds.co.uk…

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12 Days Of Finance, Day 1: This Is Why You're Broke & How To Fix It 7:11

11 weeks назад7:11

7:11

Send us a text What if you could completely transform your money game in just 12 days? On today’s episode of the Pennies To Pounds Podcast, we’re kicking off our special series, The 12 Days of Finance , to help you avoid the financial traps that leave you feeling broke and set yourself up for success in 2025. In this episode, we’re covering: ✨ Why lifestyle inflation is sabotaging your progress ✨ How to budget without feeling restricted ✨ The non-negotiable need for an emergency fund ✨ Tackling high-interest debt (and why it’s costing you more than you think) ✨ The basics of smart investing to grow your money Listen to Episode 96 for a step-by-step guide to start investing. Start 2025 on the right foot with strategies to save, borrow smarter, and invest confidently. Let’s make financial security your reality next year! Support the show FOLLOW PENNIES TO POUNDS 💸 Instagram - https://www.instagram.com/penniestopoundspod/ Twitter - https://twitter.com/penniestopound TikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1 LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds Website - www.penniestopounds.co.uk Contact - info@penniestopounds.co.uk…

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Introducing... 12 Days of Finance (a Pennies To Pounds Mini-Series) 0:36

11 weeks назад0:36

0:36

Send us a text With the new year almost upon us, we’re bringing you a new series for the next twelve days! The Pennies To Pounds ‘12 Days Of Finance’ series is dedicated to helping you level up your finances in 2025 and beyond. Each episode will be no longer than 10 minutes long and contain actionable steps to master your money. We’ll also answer some dilemmas and common questions, offering actionable advice. Want to join us? Follow the Pennies To Pounds Podcast wherever you listen to your podcasts and subscribe to our YouTube Channel . Have a dilemma or question you'd like answered? Email content@penniestopounds.co.uk Support the show FOLLOW PENNIES TO POUNDS 💸 Instagram - https://www.instagram.com/penniestopoundspod/ Twitter - https://twitter.com/penniestopound TikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1 LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds Website - www.penniestopounds.co.uk Contact - info@penniestopounds.co.uk…

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119. The Secret to Building a Good Credit Score and Smart Money Habits 22:37

15 weeks назад22:37

22:37

Send us a text In this episode, we’re breaking down everything you need to know about credit scores — what they are, why they matter, and how they can impact your financial journey. I’ll walk you through the basics, including the three credit reference agencies in the UK (Experian, Equifax, and TransUnion) and explain why your credit score might look different depending on where you check it. We’ll also talk about practical ways to build and improve your credit, whether starting from scratch or trying to repair a less-than-perfect score. I’ll cover the difference between a soft and hard credit check, why it’s essential to know the difference, and how these checks affect your score. Plus, I’ll highlight some credit builder platforms that can help you take control of your credit and get on track toward achieving your financial goals. Whether you’re new to credit or want to improve it, this episode will give you the tools to make smarter financial decisions. Let’s take the mystery out of credit and put you in control of your financial future. Support the show FOLLOW PENNIES TO POUNDS 💸 Instagram - https://www.instagram.com/penniestopoundspod/ Twitter - https://twitter.com/penniestopound TikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1 LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds Website - www.penniestopounds.co.uk Contact - info@penniestopounds.co.uk…

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118. The Cost of Love and Legacy: Money Conversations, Parenthood Decisions, and Societal Pressures ft Maya Saffron 41:18

18 weeks назад41:18

41:18

Send us a text This week's episode we're joined by Maya, host of Maya’s Minutes podcast, to discuss finances in relation to love and womanhood. We explore the dynamics of observing your partner's money habits and why understanding these early on can prevent future conflict. The discussion extends to the pressures surrounding motherhood and career choices, and things that women can do to financially prepare for starting a family. FOLLOW MAYA'S MINUTES: TikTok - https://www.tiktok.com/@mayasminutespodcast?_t=8r9N83jYPWT&_r=1 Instagram - https://www.instagram.com/mayasminutespodcast/ Spotify - https://open.spotify.com/show/234NEJb8gf6TMlnHD2wmrx?si=8a4248960a114ca8 Support the show FOLLOW PENNIES TO POUNDS 💸 Instagram - https://www.instagram.com/penniestopoundspod/ Twitter - https://twitter.com/penniestopound TikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1 LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds Website - www.penniestopounds.co.uk Contact - info@penniestopounds.co.uk…

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117. Property Apprentice: Getting Started at 17, How The Industry is Changing & Beginner Tips ft Mary Felicia 23:55

23 weeks назад23:55

23:55

Send us a text This episode features Mary Felicia, a degree apprentice who has been scaling within the property industry since the age of 17. Mary chose a degree apprenticeship over the traditional university route, and she shares her experience. Mary’s story is not just inspirational but also packed with practical advice—whether it’s about mastering the build-to-rent sector or using social media for lead generation. FOLLOW MARY FELICIA: Instagram - https://www.instagram.com/maryfeliciaa/ TikTok - https://www.instagram.com/maryfeliciaa/ LinkedIn - https://www.linkedin.com/in/mary-feliciagomez/ Pre-order 'How To Handle Money' - https://amzn.eu/d/gjomK0T How To Handle Money Event - https://www.eventbrite.co.uk/e/pennies-to-pounds-5-year-celebration-party-tickets-995280991237?aff=oddtdtcreator Support the show FOLLOW PENNIES TO POUNDS 💸 Instagram - https://www.instagram.com/penniestopoundspod/ Twitter - https://twitter.com/penniestopound TikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1 LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds Website - www.penniestopounds.co.uk Contact - info@penniestopounds.co.uk…

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116. Ex-Prisoner to Business Owner: Journey, Money Management & Using ChatGPT to Improve Your Finances ft Sobanan Narenthiran 29:05

24 weeks назад29:05

29:05

Send us a text What does turning a prison sentence into a mission for social change take? Meet Sobanan Narenthiran, the CEO of Breakthrough Social Enterprise, who shares his extraordinary journey from medical school to prison and beyond. We discuss his experience in prison, his transition back into medical school and building his business. Sobanan explains how Breakthrough leverages AI to empower underserved communities with financial management tools and career development resources. This episode is a powerful testament to the impact of accessible education and strategic financial planning. FOLLOW SOBANAN: LinkedIn - https://www.linkedin.com/in/sobanan-narenthiran/ TikTok - https://www.tiktok.com/@sobanan.ceo.of.br?_t=8q05TpTVKls&_r=1 Breakthrough Enterprise - https://www.wearebreakthrough.org/ Support the show FOLLOW PENNIES TO POUNDS 💸 Instagram - https://www.instagram.com/penniestopoundspod/ Twitter - https://twitter.com/penniestopound TikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1 LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds Website - www.penniestopounds.co.uk Contact - info@penniestopounds.co.uk…

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115: Balancing Tech Careers and Personal Growth ft Safiya Rozi 20:18

25 weeks назад20:18

20:18

Send us a text This week's episode is with Safiya Rozi. As a software developer degree apprentice and content creator, Safiya shares her approach to juggling a demanding workload through prioritisation and planning. She also discusses her experience as a degree apprentice and how she's navigated the corporate world, especially with her finances. This episode also touches on wardrobe building, where Sophia emphasizes the importance of quality over quantity. Learn how to build a sustainable wardrobe while managing finances, and get budgeting tips highlighting investing in skill-building, self-care, and celebrating achievements. FOLLOW SAFIYA: Instagram - www.instagram.com/safiyarozi/ TikTok - https://www.tiktok.com/@safiyarozi?_t=8plrZy72dYe&_r=1 Support the show FOLLOW PENNIES TO POUNDS 💸 Instagram - https://www.instagram.com/penniestopoundspod/ Twitter - https://twitter.com/penniestopound TikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1 LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds Website - www.penniestopounds.co.uk Contact - info@penniestopounds.co.uk…

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114: Protecting Your Money: Understanding FSCS with Matt Phillips 13:22

26 weeks назад13:22

13:22

Send us a text Is your money protected? In this week's episode, we're joined by Matt Phillips, Head of Readiness at the Financial Services Compensation Scheme (FSCS). Matt discusses how FSCS works and its vital role in protecting your finances when UK banks and institutions fail. From bank deposits to investments, pensions, mortgages, and insurance, learn how to secure up to £85,000 in compensation in the unlikely event of a firm's collapse. LEARN MORE ABOUT FSCS: https://www.fscs.org.uk/ FCA REGISTER: https://register.fca.org.uk/s/ Support the show FOLLOW PENNIES TO POUNDS 💸 Instagram - https://www.instagram.com/penniestopoundspod/ Twitter - https://twitter.com/penniestopound TikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1 LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds Website - www.penniestopounds.co.uk Contact - info@penniestopounds.co.uk…

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113. The Power of Discipline in Growing Your Finances ft Aaron Knightley 34:41

27 weeks назад34:41