Black Girl Finance

During this episode we share the reason for the break in podcasting in 2022. Trigger Warning - Discusses Bereavement. We also discuss plans for the podcast and for Black Girl Finance Moving forward. Charities mentioned include Cruse Bereavement and Widowed and Young.

This week we are preparing for valentines day and talking about money and relationships. Selina shares her views on young women being expected to give up their hopes, dreams and goals for a relationship, based upon some social media posts she has seen recently asking for advice. She is also discussed who should split the bill on a date, how to discuss money in a relationship and sharing a bank account. It's a very personal episode you may disagree with. Let us know what you think about the Spotify polls. This weeks episode is sponsored by the investing research app - Genuine Impact - you'll get 14 days free trial to all Premium features, no card required. Plus, use my link below and you get an extra 1-month free Premium (worth £8)! https://genuineimpactapp.page.link/3h9X Don't forget to subscribe, like and share this episode.

Welcome back to episode 2 of the Black Girl Finance Podcast. This week we are talking about financial privilege and privilege in general, a conversation sparked by the now infamous Molly Mae conversation with Steven Barlett on his Diary of a Ceo podcast. I share my thoughts. The second topic is the customer service failure from OVO energy. At a time when people are anxious about the imminent rising cost of energy bills amongst other financial strains, it's not the kind of customer service email you expect to get signed off, but it did, so let's explore. This weeks episode is sponsored by the investing research app - Genuine Impact - you'll get 14 days free trial to all Premium features, no card required. Plus, use my link below and you get an extra 1-month free Premium (worth £8)! https://genuineimpactapp.page.link/3h9X Don't forget to like, subscribe and share. If you are listening or Watching on Spotify (apologies I will get dressed up for next weeks episode, oh maybe not, who knows).

Welcome back to Season Three of the Black Girl Finance Podcast. This week Selina has seen you all on the 'gram' - are you back from Ghana yet? If yes have a listen. If you are still in Ghana have a listen. We are so happy to be back for season three and we start by discussing the past year. The financial news has been tedious, to say the least. Constant talk of inflation, energy bill rises, bank of England base rate rises, we give some tips on how to handle these financial stressors. We also discuss some financial news - the story of Elisabeth Holmes and the downfall of her Blood testing Theranos. Plus many other financial topics. Have a listen and if there are any podcast topics you like to discuss send an email to office@blackgirlfinance.co.uk This weeks episode is sponsored by the investing research app - Genuine Impact - you'll get 14 days free trial to all Premium features, no card required. Plus, use my link below and you get an extra 1-month free Premium (worth £8)! https://genuineimpactapp.page.link/3h9X Don't forget to like, subscribe and share.

This week we are joined by the genius tech, start up investor and founder of Angel Investing School Andy Ayim to talk all about his career and how he got into tech and angel investing which lead him to eventually found his business the Angel Investing School. Which teaches people from underrepresented backgrounds how to invest in startups. This week we are doing a give away one lucky listener will get the chance to win a place at his Angel investing school (the classes are in the evening and virtual, once per week for 6 weeks). For more details of the school visit the link https://angelinvestingschool.com/ listen to the end of the episode for details of how to win a place at the school. Don't forget to like, share and subscribe to the podcast.

In today's episode, I am joined by Jasbinder Kaur who is a training officer from the charity https://survivingeconomicabuse.org/. With this episode we aim to help our listeners understand what economic abuse actually is, recognise the signs of economic abuse, and find out what support is available should a listener be experiencing economic abuse themselves, suspect someone you know may be experiencing economic abuse, or if you are an organisation that may have customers experiencing economic abuse that you are able to recognise the signs and support your clients. Economic abuse can impact people from all walks of life and all backgrounds, however, as we discuss with Jasbinder perpetrators can play on existing vulnerabilities, for example, someone who has vulnerable immigration status, or someone from LGBTQ plus community. Please do check out the Surviving economic abuse website for further resources. https://survivingeconomicabuse.org/

In this Bonus episode, Janice and Selina share their reaction to winning a British Bank Award (which is like the Oscars of banking). Black Girl Finance won in the new Online Financial Influencer category, which was a tough category, there were so many other financial influencers we admire in the category.  This is our thanks to everyone who voted. Thanks to smart money people who created the awards.  #BBA2021 #Britishbankawards

This week, I am joined by Janice, part of the Black Girl Finance team, to discuss Buy Now Pay Later (BNPL). Buy now pay later companies have sprung up out of nowhere, new shiny and plastered overall shopping carts and payment options of absolutely everywhere I shop. Easy to use and now thoroughly embedded into our online shopping experience, no wonder BNPL has taken off. However, what are the downsides of BNPL, the FCA will be bringing in regulation and charity Step change have raised concerns about the increasing debt of young people attributed to BNPL. We discuss What BNPL is? Why you might decide to use it, and how to use it effectively.

In this episode, we are joined by the ladies from http://www.wentworthwills.co.uk/ - Charlene and Antoinette Simms. They have been in estate planning for the past 3 years and they are actively working to inform and empower people from BAME communities to have conversations about Wills, Trusts and Power of Attorney. Estate planning and inheritance issues is a conversation had pretty frequently in newspaper money advice columns and on other money podcasts. It's a subject we definitely need to start talking about as wealth grows and the transfer of wealth starts to happen from one generation to the next. Charlene and Antoinette - explain why we should ensure we write our will, consider setting up a trust and they also talk us through power of attorney.

Money habits are formed at such a young age, so we thought it would be interesting to get questions from teenagers. We spoke to some students from Sarah Bonnell School in East London to answer questions.  We discussed tips for having financial conversations in schools. We busted the myth that women aren't good at math - with some great insight from their teacher who is a Maths Teacher.  We discussed the importance of saving and not ruining your credit score at a young age. How to have conversation with friends and family about financial inequalities.  Tips for setting up a business as a young person and much more. 

This month I am giving my tip tips for handling money as we shift out of lockdown. June 21st was the date given for when full restrictions could potentially be lifted in the U.K., and we have already been experiencing a lift in restrictions, cinemas, restaurants, bars, shops are open again albeit with covid restrictions still. With this easing comes new temptations to be out and spending, which we haven't had for over a year. How can we enjoy whilst still managing our money. Our host gives her top tips. Don't forget to like, subscribe and share this episode of you enjoy it!

This week we are joined by Osei Downes from Stepladder, which is a modern iteration of the traditional rotating saving scheme, more commonly known as Pardna (Susu) scheme, that our grandparents and parents used. We are talking about the additional benefits gained from saving using the Stepladder platform and how it has helped numerous people including Osei and his wife save for their first property purchase. There is some interesting research about the power of peer to peer support when it comes to saving money. Follow @joinstepladder on Instagram. To learn more and to start saving - click here

This week we are talking about everything cryptocurrency and we are joined by Zumo Money Marketing Director Amelie Arras discussing all things cryptocurrency. I first heard of Bitcoin (BTC) back in 2018 when a few of my work colleagues were talking about Bitcoin (BTC) and they were also talking about the dark web which quite honestly was off putting at the time. Luckily the conversation has moved on slightly since then. Our guest Amalie shares her own experience of taking part in the Payment Race in 2017 and falling into the cryptocurrency world, travelling around the US using Bitcoin in 2017. It's a great story and it's great to hear stories of women in cryptocurrency. This episode is really timely because Warren Buffet has just shared his thoughts on cryptocurrency. It's an interesting time to be discussing crypto. Check out Zumo https://instagram.com/zumopay. To follow our guest Amalie https://instagram.com/ameliearras. If you want to test out Zumo use the following link http://short.zumo.money/finance-zumo-download. Don't forget to like, subscribe and share this episode.

This week we are talking about careers specifically how can we ensure we are in careers that's align with our values, how we can take action to have the career success we want. On this weeks episode I am joined by Pamela Leonce who is the founder of a Careers coaching and business development company Stowhill Consultancy. Pamela shares her Journey of Personal Career success, she currently sits on a number of Boards. She also shares her top tips for leaning into your career, and how she now helps other women on their career journeys through her business @stowhillconsultancy. She provided so many useful tips during this episode it is a must listen whatever stage of career you are currently in.

This week we interview the cofounder of a new digital investment platform called Wealth-8. Wealth-8 aren't just providing the financial literacy needed to start investing, they have also built the platform. Visit www.wealth-8.com to check out the funds. Bimpe is a qualified lawyer and after realising that her numerous clients needed wealth management not just legal advice, she moved into the wealth management space and with her co-founder has created a platform to get people from Black, Asian and Racialized backgrounds investing. As always this podcast is for educational purposes only, you may wish to seek advice from a qualified financial advisor before investing.

Without a doubt the past year has been stressful, so selina is speaking to emotional resilience and empowerment coach Salma Suleman, as we transition through this change out of lockdown how can we remain emotionally and financially resilient? Salma provides her top tips. Check out Salma's website to book a call with her: www.ssresiliencecoaching.co.uk

Shola shares the highs and lows of starting her business. Transitioning from a train driver to having her own business. Also her journey of getting into and out of debt. Follow Shola on her Instagram https://www.instagram.com/sholaemily/

This episode Black Girl Finance Founder discusses things to think about as the end of the financial year approaches. Reviewing pension contributions. ISA allowances, etc.

This week we have a special guest Stella Ewusie from @financiallyfierceuk talking to us about the FIRE movement, which stands for financial independence retiring early. It's a huge movement in the US, will it catch on over here is the U.K. Stella has already begun her journey. If you enjoy this episode don't forget to like, subscribe and share.

Today is 8th March 2021 which is International women's day. Our founder shares her message for international women's day 2021. Choosing to challenge the notion that money and finances should only be thought about from a white male perspective.

Today we are joined by the amazing Emmanuel Asuquo who is a Financial Adviser and TV personality. He has been seen on Channel 4's Save Well, Spend Better, on BBC 1's Your Money or Your Life and ITV's This Morning. He is also the founder of The Eman Effect UK @theemaneffectuk. We discuss his journey into financial advice, as well as his desire to become the next “Martin Lewis” and how important representation is in financial advice. We also touch upon Marriage and Money, and Black men and money, as well as the importance of Mentorship. I also ask Emmanuel what the people he works with who have the most success do differently. Make sure you Like, Subscribe and Share this episode!

This week we are joined by Davinia Tomlinson, who is the founder of Rainchq and Rainchq academy. After working in the finance sector for a number of years she decided to create Rainchq to give women access to services they were not getting access to, such as to qualified financial advisors. We discuss her journey of creating the platform, of how to keep going when faced with negative feedback, being your authentic self in the work place and more. Make sure you follow and check out @rainchq on Instagram. Subcribe, like and share.

Bonus Episode -This week we are joined by the amazing Danielle 17, Yasmin 17 and Sophie 19 from an organisation call Milk Honey Bees. Milk and honey bees is an expressive safe space for young black girls and young women. They have a system called Heal which stands for Healing, Empowerment and Resilience. We are discussing top money tips for under 25's! We also touch upon and gender and ethnicity pay gaps and how we can bridge the racial wealth divide. Money conversations with young people are super important so if you have any relatives who are young get them to listen to this episode also check out @milkhoneybees on Instagram.

This week my guest is Sara Karpanen, a writer, artist and poet, the creator of the platform @womenofthewick and also the creator of a new platform called @getarealjobcollective. This episode we talk about the trope of the Starving artist and the pressures to get a “real job”. We also talk about the pay gaps that exist in the creative spaces and industries. Only 11% of art directors are women. We also talk about the gender pay gap for self employed which is a huge 43%. Sara's platforms have been built to tackle this issue. If you have an interesting topic for the podcast get in touch. office@blackgirlfinance.co.uk. Also don't forget to like, share and subscribe.

This week we are doing the first of our real women episodes, we are sharing stories not from experts but from you the listeners. Sabrina from East London shares her financial experiences after she set a goal to buy a house. She got the house, but soon realised she had got the goal but something was off financially. Listen to her story now. If you have an interesting personal finance story you'd like to share on the podcast email: office@blackgirlfinance.co.uk Sabrina can be found at @iamsabrinaham @repot_it

This week we are joined by the tech founder DamiLola, who has created the crowdfunding platform Buildher. She talks about her experience feeling frustrated with the disrespect experienced by Black and Women of Colour globally which became the driving force for her to create a solution to drive economic empowerment for Black and Brown Women. Check out the website www.buildher.co.uk and follow Buildher on social media @buildhercrowd

In this weeks episode we are introduction you to our new member of the Black Girl finance team Janice, we learn what she knows about money. We also discuss the book release. Black girl finance let's talk money is out now. We breakdown the chapters in the book. We also talk paying yourself first it's coming up to pay day, payday is pay yourself first day on this platform. We want to hear your stories - real finance stories about black women, so if you have a story you want to share do send an email to office@blackgirlfinance.co.uk also if you have purchased the book and record a video review do tag us in the review and we will share on the black girl finance Instagram page @blackgirlfinanceuk. Like, subscribe, comment and share.

This week we are joined by Mindset and success coach Dionne Williams from Getsetgo London, who is a mindset and success coach. We know that we all want to be where the money resides in 2021! She shares her experience working with entrepreneurs to get them to generate higher income consistently and strategically by monetising their talents and gifts. She also shares information about the traits of successful entrepreneurs. You can find Dionne on Instagram www.instagram.com/lovemoneysolutions. You can also email her on: dionne@getsetgo.london

To kick off season 2 of the podcast we have an incredible first guest! The amazing Bola Sol. She is a finance coach, author of the number 1 best selling new personal finance book- How to save it. She is also co- host of the last 3 digits podcast with fellow hosts Nego and Disu. She is a massive advocate for empowering women through there finances. Make sure you check out this episode and the episode on the last 3 digits podcast! Also stay tuned to my Instagram page for details about how to win a copy of Bolas book, how to save it! https://instagram.com/thelast3digits?igshid=165vsu1ubje6t

This penultimate episode of 2020 is a runs down through all of the previous episodes we have launched so far on the platform we've covered so many different money topics for you to digest and get stuck into over the last 6 months of podcasting. We are celebrating how far we have come. There is only 1 last episode left and we will let you get on with Christmas and New Years before coming back with some more topics in 2021 have a listen. Paula her name is Paula I forgot a name during recording. Have a listen it will all make sense.

This episode we discuss two topics one is the decision of Zalando ceo Rubin Ritters decision to step down to support his wife's profession ambition and to spend more time with his expanding family. Should more men do this? We also discuss tax season and having an accountant. My accountant - https://sagayaccounting.co.uk/

This weeks short episode is our BGF Christmas shopping tips - 2020 has been strange don't stress yourself out about it! Don't get into debt, people will understand.

This episode we wanted to do an updated episode about the property if you are a first time buyer or a property investor this episode is for you . The first property episode is still available to listen it's about getting on the property ladder. This episode is an update on the property market. We discuss property historically, pre-pandemic and looking forward, post pandemic into 2021. We are joined by the multi-talented, ex foxton's estate agent, now owner of https://www.propertypurchaser.co/ the property enthusiast Topsy Taiwo - https://instagram.com/propertypurchaser?igshid=17d4azb3gswgq the viral dancing video wall of comedy I'm talking about https://www.instagram.com/p/CHxUm2MnlxG/?igshid=wvqhcfef49ab

This week we are delving in to the benefits of using fintech apps to help budget, save and manage our finances. To do this, I have brought in an expert in fintech Edoardo who is the co-founder of the savings and budgeting app Emma Finance. It's a great tool for keeping track of your spending, for budgeting and for handling all your bank accounts, credit cards, investments, pensions and cryptocurrency in one app. This episode Edoardo explains his inspiration for the app and more. It's a great listen. Check out the Emma app in the google play store or the App Store on your phones. My referral link (if you do click it I will get a small fee), but you can also sign up and create your own referral link if you like the app - https://emma.to/selinaflavius Check out this free app —— it Pays to Save Money

This week in honour of the annual talk money week now in its third year, we speak to Monica Kaur from Money and Pensions Service. This episode is so important to listen to, if you are struggling with money Monica sets out exactly how MaPS can help through their free resources and tools available at money advice service website. She also spoke about Citizens advice bureau, Step change, and Turn2us. If you are experiencing any stress around money do ensure you speak up and seek help. Talk money week can be the start of conversations but long may the conversations continue. She share a personal experience about starting to care for her mother, and also her experience of budgeting at university. We also answer your Instagram questions. It's a great episode make sure you listen subscribe, share, and like.

This week we are joined by Roneish Myers founder of the financial coaching platform Money Heave. She has over 10 years experience working in the finance industry and she shares her experience with us and shares her tips. She also shares the hints and tips she gives her clients. Check her out online https://instagram.com/roneish?igshid=go1gz86kbmnr also check our her platform https://instagram.com/moneyheave?igshid=uy305uofwc7j. It is also talk money week - make sure you have at least one money conversation this week.

This weeks episode is the full financial wellness collab episode with Chloe Pierre from Thy.self and Ella_ensure. Check out the other ladies on Instagram: https://instagram.com/thy.self?igshid=2drxi3nqhe8o. And https://instagram.com/ella_ensures?igshid=cfb74ifhnndh. Recorded at the female founded radio station foundation.fm

This weeks episode we focus on two events our host took part in. The first was the publishers Quercus word of mouth booksellers evening our host took part in to promote the black girl finance - let's talk money book. There were amazing authors in attendance such as Candice Braithwaites and Luvvie Ajayi. The second event was thy.self radio interview with foundation radio about financial wellness. The biggest take always was to ask for help and support don't be embarrassed. The links will be added to the show notes when they are shared.

This weeks episode we focus on NatWest's Pledge to Boost Black staffing levels across areas of their organisation. We also look at other Bank Pledges. They've also released their Ethnicity Pay-gap Data. An interesting part of the information they released was the % of BAME staff who reported feeling comfortable to be themselves at the workplace. Have you had a similar experiences? DM me let me know.

This Episode our host Selina shares 5 money tips for over 30's. 1. Know that it's okay to adapt a new money strategy. 2. recognise how you feel about your current situation. 3. How are you actually doing?. 4. What are the goals. 5. There is time to do something. This episode was requested by one of our Instagram followers. If you have any podcast ideas feel free to DM us.

Short Episode today. If you have been following on Instagram or if you have signed up to the news letter. You will be aware that we announced news of our upcoming book release, though the publishers Quercus books. The book Black Girl Finance - Let's Talk Money is available to pre-order now on Amazon - the link is available as soon as you go to the black girl finance website https://blackgirlfinance.co.uk/. It will be shipped on the 21st January 2021. This episode was supposed to be released last week, however the episode with tolu was recorded and paying down debt at this time is super important. So pushed the podcast episode book announcement back a week. But here it is today. Please continue to subscribe like and share the black girl finance podcast.

For this episode our host Selina is joined by the amazing Tolu Frimpong to discuss her journey of paying off £36,000 worth of debt. She says “it's funny when money is not your own you tend to spend”. Also “don't let other people spend your money for you” . She also discusses the debt repayment strategy she used the debt snowball or the debt avalanche. Check out her page search for @tolufrimpong on Instagram and she has her blog. www.tolufrimpong.com

To all our IG followers we listen to you, so we have created this podcast episode based on a request from you. For this episode Selina is joined by Nikkita Tew From Young Spender. @youngspender_ www.youngspender.co.uk check her out she provides financial education for Millennials and Gen Z. Don't forget to subscribe, like, and share.

Quick episode - Black Girl Finance Founder Selina's thoughts on how to win with money hint - Start early. Black Pound day (which is the first Saturday of each month), And Tyler Perry being a Billionaire. She is waiting for the Tyler Perry Autobiography. *Just to reiterate the black girl finance podcast does not give financial advice, the opinions are those of the guests and host. *. Also just to say insurance is not of any monetary gain*

I wanted to do this episode due to the impact on health and jobs of corona virus on the community. We have been impacted the most health wise and also when it comes to job security. Today's guest Accountant and Financial Advisor Rachel Kerr talks about the importance of having protection from a younger age in order to protect your most important asset which is YOU. Also to use insurance protection as part of legacy and generational wealth building should something happen to you. She makes so many valuable points during this episode. To get in contact with Rachel about financial advice or to discuss insurance, she can be contacted on Instagram @sapientiaeconsultingltd also DM @blackgirlfinanceuk if you want to be connected with her. Whether you're a young person or older do not skip this episode.

In this episode Black Girl Finance Host Selina is joined by qualified financial adviser Ore Sokoya. to talk about all things financial advice. We explore why it's important for people within the community to access financial advice. What to expect when seeking advice and what the benefits are in comparison to just speaking to friends and family. Listen out for the mathematical error in the episode which was corrected in the end. To get in touch with Ore for financial advice @oresokoya on LinkedIn and Instagram.

This episode is about getting on the property ladder I am joined by our first quests Jane and Paula from issamovement! They talk about their own experiences getting on the property ladder. What made them want to be home owners and how they went about it. We also discuss home ownership within the community. Do check out our guests: www.issamovement. @thisjaneaintplain @raw_and_fourth on IG and @paulaoyinkan @ra.yo

This weeks episode is focused on Net Worth, not a topic often discussed within the community, but it's definitely worth working out your current Net worth. It's a great snapshot of financial health. If you know where you are right now, you can decide where you want to end up.

This week we will be exploring credit scores. Do you ever scratch your head and wonder why your credit score is going downwards or upwards or not moving at all? Especially when you've made a decision that you believe will have a positive impact, but it has the reverse affect. Then listen to this episode it's all about credit scores. PS: I keep on saying broker but I meant aggregator. Also when I'm talking about rates I meant interest rates.

This episode talks about investing in stocks and shares, it will try to explain investing in simple uncomplicated terms, why it is important to get started particularly for women and women from BME backgrounds and it also explains some routes to get started investing. It must be noted: that this episode does not constitute financial advice. Also that the value of your investments can go up and as well as down.

This weeks episode touch's upon building an emergency fund and budgeting. They are by far the most needed topics during my experience of running black girl finance and speaking to 100's of women to date. Did you know that 1 in 10 (9%) of Brits have no savings at all. A third of Brits have less than £600 in savings.