Pennies To Pounds Podcast

Send us a textIn this episode of Pennies to Pounds, Kia unpacks what it really means to enjoy life without sabotaging your financial future. Forget the old-school advice about constant sacrifice — this one's about balance, strategy and enjoyment.Here's what you'll get:Smart ways to enjoy luxury on a budget (yes, including travel)The spending hack that keeps guilt out of your purchasesWhy a little planning goes a long way with flights, hotels and upgradesHow to make your lifestyle work for your money, not against itLearn how to build wealth and live well.Support the showFOLLOW PENNIES TO POUNDS

Send us a textThe finance world is being transformed by artificial intelligence, with 73% of Gen Z and millennials now trusting AI more than human financial advisors to manage their money. This episode explores how AI can work for you rather than replace you.APPS MENTIONED:Cleo - https://web.meetcleo.com/Emma - https://emma.to/kiacommodorePlum - https://friends.withplum.com/r/x92P009iFMFreetrade - https://magic.freetrade.io/join/kia/07e18a08Moneybox - https://www.moneyboxapp.com/Pennies To Pounds AI Money Coach - https://stan.store/penniestopounds/p/your-ai-money-coach--by-pennies-to-poundsIf you're interested in trying AI-powered financial tools or have questions about which ones might work best for you, DM us @penniestopoundspod for personalised recommendations.Support the showFOLLOW PENNIES TO POUNDS

Send us a textThis episode features an entrepreneurial journey filled with financial challenges, moments of doubt, and unexpected breakthroughs that keep dreamers moving forward. Priscilla shares her personal story of building a children's book series while balancing financial struggles and maintaining faith in her vision.We discuss:Turning something you love into a business can bring unexpected challenges that make it harder to enjoy at firstMoney problems can be challenging to handle and can seriously affect your mental healthKey moments and the right people can completely change the direction of your businessThe importance of reaching out and connecting with others, even when success feels far awayBuilding something that lasts takes time, patience, and a lot of hard work.Sometimes, just one person believing in your actions is enough to keep you going.If you enjoyed this episode, follow The Anaiyah Series on Instagram at @theanaiyahseries or visit theanaiyahseries.com to learn more about Priscilla's children's books and upcoming animation series.• Purchase 'How To Handle Money' - https://amzn.eu/d/gjomK0TSupport the showFOLLOW PENNIES TO POUNDS

Send us a textIn 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:

Send us a textIn 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 experienceThis 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 showFOLLOW PENNIES TO POUNDS

Send us a textIn 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 successSupport the showFOLLOW PENNIES TO POUNDS

Send us a textJust 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 showFOLLOW PENNIES TO POUNDS

Send us a textIn 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.

Send us a textIt'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.

Send us a textWhat 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 moneyListen 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 showFOLLOW PENNIES TO POUNDS

Send us a textWith 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.ukSupport the showFOLLOW PENNIES TO POUNDS

Send us a textIn 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 showFOLLOW PENNIES TO POUNDS

Send us a textThis 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=1Instagram - https://www.instagram.com/mayasminutespodcast/Spotify - https://open.spotify.com/show/234NEJb8gf6TMlnHD2wmrx?si=8a4248960a114ca8Support the showFOLLOW PENNIES TO POUNDS

Send us a textThis 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/gjomK0THow To Handle Money Event - https://www.eventbrite.co.uk/e/pennies-to-pounds-5-year-celebration-party-tickets-995280991237?aff=oddtdtcreatorSupport the showFOLLOW PENNIES TO POUNDS

Send us a textWhat 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=1Breakthrough Enterprise - https://www.wearebreakthrough.org/Support the showFOLLOW PENNIES TO POUNDS

Send us a textThis 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=1Support the showFOLLOW PENNIES TO POUNDS

Send us a textIs 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 showFOLLOW PENNIES TO POUNDS

Send us a textIn this episode, Aaron discusses his early life marked by financial hardship and how it fueled his desire for financial stability and independence. He also discusses the importance of continuous learning, self-belief, and maintaining a disciplined approach to finances. FOLLOW AARON:• Instagram - https://www.instagram.com/aaronknightleyofficial/• TikTok - https://www.tiktok.com/@aaron_knightley?lang=enSupport the showFOLLOW PENNIES TO POUNDS

Send us a Text Message.In this week's episode, we discuss setting up and managing your business finances with finance coach Joshua. We also discuss the implications of operating as a sole trader vs a limited company and the importance of forecasting potential business earnings. Pre-order 'How To Handle Money' - https://amzn.eu/d/gjomK0TFOLLOW JOSHUA:Instagram - https://www.instagram.com/financebykilolu/TikTok - https://www.tiktok.com/@master.money.uk?_t=8oyRLB4EYtN&_r=1Support the Show.FOLLOW PENNIES TO POUNDS

Send us a Text Message.In this episode of the Pennies To Pounds podcast, our sponsor, Klarna, joins us to provide a straightforward yet comprehensive breakdown of understanding different types of credit—credit cards, overdrafts, or personal loans. Raji Behal shares invaluable tips on when it's smart to use credit and when it's best to steer clear, helping you make informed financial decisions. *Klarna's Pay in 3/Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.Learn more about Klarna by visiting: www.klarna.com/uk/Support the Show.FOLLOW PENNIES TO POUNDS

Send us a Text Message.We're halfway through the year; how are your financial goals coming along?Have you achieved any of them, or have they been put aside? This episode is all about reflecting on our journey, celebrating our wins, and recalibrating our targets for the rest of the year. By the end of this episode, you'll have practical tips and strategies to achieve financial stability and growth, ensuring you're well-equipped for the second half of the year!Support the Show.FOLLOW PENNIES TO POUNDS

Send us a Text Message.Kickstart your journey to financial empowerment with this special live episode from our "New Year, Wealthier You" event, hosted at the iconic Samsung KX building in London. Our esteemed panellists, financial well-being speaker Laura Ann Moore and wealth and investment coach Kevin Cahill discuss money mindset, smart budgeting, and effective money management. Have you ever wondered how early financial beliefs shape your money habits? Laura Ann Moore dives into the emotional side of money, revealing how ingrained beliefs can make or break your financial confidence. Meanwhile, Kevin Cahill shares his expertise on practical investment strategies to help you diversify and grow your wealth. Support the Show.FOLLOW PENNIES TO POUNDS

What if your childhood experiences with money have already set the stage for your financial future? This week's episode is about how we can make positive financial shifts. Whether recognising your spending triggers or acknowledging past teaching about money when you were younger, we can all progress towards a healthier financial lifestyle. Joining us in this episode are Elisabeth Prager and Nitika Vyas, co-founders of the money app Aila Money. Aila Money: the Personal Trainer app for your finances – helps you calculate the cost of your life goals and using data, behavioural science and human expertise helps you achieve them – one prompt at a time!FOLLOW AILA MONEY:• Instagram - https://www.instagram.com/ailamoney/• LinkedIn - https://www.linkedin.com/company/ailamoney/• Website - https://ailamoney.com/Support the Show.FOLLOW PENNIES TO POUNDS

This episode is with Nikkita Tew, founder of the financial literacy platform Young Spender. We're discussing the ways in which people in their 20s and 30s can maximise their savings for their short—and long-term goals and plan for retirement. She also breaks down your payslip and explains how taxes are deducted and what your tax code means.FOLLOW YOUNG SPENDER:Instagram - https://www.instagram.com/youngspender_/Support the Show.FOLLOW PENNIES TO POUNDS

How are today's youth weathering the storm of the cost-of-living crisis while keeping their fingers firmly on the pulse of culture and beauty standards? This week's episode features Tumisha and Alvin of Tag Agency, who discuss the findings from their $penny Report. This report highlights this generation's resilience, embracing thrifting and DIY to maintain their identity. DOWNLOAD THE REPORT - https://www.tagagency.co.uk/download-reportFOLLOW TAG AGENCY ON INSTAGRAM - https://www.instagram.com/tagagencyuk/FOLLOW TUMISHA - https://www.instagram.com/tumbalogun/FOLLOW ALVIN - https://www.instagram.com/alvnowusu/Support the showFOLLOW PENNIES TO POUNDS

This episode is with Sammie Ellard-King, founder of financial education platform Up The Gains. In this episode, we're discussing how to begin your wealth-building journey, ways to increase your personal growth and how to give your income a boost.FOLLOW UP THE GAINS:Instagram - https://www.instagram.com/upthegainsmoney/Website - https://upthegains.co.uk/Support the showFOLLOW PENNIES TO POUNDS

This week's episode is with mortgage advisor Dan Knott demystifying the home-buying process for first-time buyers. He covers how mortgages work, what to be aware of before making an application and schemes available to boost your savings financially.FOLLOW DAN

We're back with another episode for first-time buyers! On Thursday 24th August 2023, we hosted an event in London at the Samsung KX building dedicated to debunking the first-time homebuyer journey.This was the final panel of the night with London solo buyer Ayo and couple Alex and Cameron who bought in East London.  Filled with a lot of useful tips and insight, hope you enjoy this episode!Support the showFOLLOW PENNIES TO POUNDS

When you think about a professional dancer, does the image of a financial whiz come to mind? For Susie, this week's podcast guest, this unlikely transition from the stage to spreadsheets is her reality. Susie Italiano, the finance fairy godmother for small charities and creative freelancers, shares how to calculate your minimum monthly spend, the benefits of an emergency fund, and ways to diversify your income.Visit The Idle Money Blog Website - https://idlemoneyblog.com/Learn more about the courses available - https://idlemoneyblog.com/my-offer/Support the showFOLLOW PENNIES TO POUNDS

In this episode, we're discussing Life Insurance and the importance of having insurance policies to protect your finances. To do this, we're joined by Insurance Advisor Ella or Ella Ensures who breaks down the different types of policies available and at which points in life you should consider taking them out. FOLLOW ELLA:Instagram - https://www.instagram.com/ellaensures/Support the showFOLLOW PENNIES TO POUNDS

This episode is filled with insights from Topsy Taiwo, the property guru behind Property Purchaser, guiding us through the Right to Buy scheme. We also explore the process of going from buying your first home to your next home - schemes available, the process, and how to find a good estate agent.Get Topsy's Book - https://payhip.com/b/4DwuTFollow Topsy on Instagram - https://www.instagram.com/topsytaiwo/Follow Property Purchaser on Instagram - https://www.instagram.com/propertypurchaser/Support the showFOLLOW PENNIES TO POUNDS

Happy New Year everyone! As we're heading straight into 2024, the first episode of the year is discussing how you can make conscious money decisions to reach your financial goals this year.TOPICS COVERED:Discovering your financial valuesSetting realistic financial goalsCreating a useful budgetMindful spending and consumerism- Listen to the episode with Andrea to discover how to shop fashion sustainably here.- Download the budgeting app Emma - https://emma.to/kiacommodore- Download the Pennies To Pounds Budget Spreadsheet - https://www.penniestopounds.co.uk/product/budget-spreadsheetSupport the showFOLLOW PENNIES TO POUNDS

Looking to make savings this Black Friday and Cyber Monday? This episode is not just about the nuts and bolts of smart shopping. It's about real-life experiences and strategies we've picked up along the way. PLUS we discuss Travel Tuesday - the little-known opportunity for discounted travel!WEBSITES MENTIONED:Google Shopping - https://www.google.com/shopping?hl=enTopCashback - https://www.topcashback.co.uk/ref/whatzitoyaQuidco - https://www.quidco.com/raf/3561322/CamelCamelCamel - https://uk.camelcamelcamel.com/HotUKDeals - https://www.hotukdeals.com/RetailMeNot - https://www.retailmenot.com/OUR IN-PERSON EVENT, 14th DECEMBER 2023 - https://www.eventbrite.co.uk/e/new-year-wealthier-you-tickets-750767986257?aff=oddtdtcreator*some links may be affiliate linksSupport the showFOLLOW PENNIES TO POUNDS

Ready to take charge of your financial future and build generational wealth? Sharing my personal journey, this episode is packed with actionable steps for those in their 20s, 30s, and beyond. Discussing methods to build your wealth, how to set clear financial goals as well as how to approach saving and investing for the long-term. This is the podcast that you need to listen to if you want to grow your assets!Budget Spreadsheet - https://www.penniestopounds.co.uk/product/budget-spreadsheet*This episode is not financial advice*Support the showFOLLOW PENNIES TO POUNDS

In this episode, we delve into the basics of investing and explore the significance of clear financial goals, the necessity of an emergency fund, and various investment strategies. From buying individual stocks and shares to pouring your money into investment funds, we've got you covered. INVESTMENT PLATFORMS MENTIONED:Wealthify - https://www.wealthify.com/Hargreaves Lansdown - https://www.hl.co.uk/Plum - https://withplum.com/Freetrade - https://freetrade.io/Trading 212 - https://www.trading212.com/ARTICLES TO FURTHER YOUR INVESTMENT KNOWLEDGE

#ad Want to boost your financial journey but short on time? You're in luck because Kia has been busy working on a brand-new podcast with Legal & General called A Little Bit Richer, and it's aimed at making you just that.These weekly bite-sized episodes cover the stuff they didn't teach us at school but that you need to know to survive adulting in your twenties and thirties - everything from making sense of your payslip to mortgages and pensions, to financial well-being and mental health, and it's all part of helping make sure you're making the best financial decisions for you.Each week, Kia and an expert guest sit down to hash it out and take the guesswork out of financial planning. The first 3 episodes are available now, just hit this link ALittleBitRicher.lnk.to/podcastKia and her guests share their own personal thoughts and opinions in this podcast. These might be different from Legal & General's take on things. They give financial guidance for a UK audience that's relevant at the time of recording. It's generally best practice, not the kind of personalised advice you'd get from a financial adviser.You can play the podcast and find other useful content on Legal & General's website: https://www.legalandgeneral.com/podcasts/a-little-bit-richerSupport the showFOLLOW PENNIES TO POUNDS

Ever wonder about the pros and cons of renting vs buying a property? In the second panel at our London event on the 24th of August 2023, we were joined by two amazing panelists to discuss this further.Jade Vanriel (here), a seasoned property buyer and content creator, and Nadine Bacchus (here), a pandemic renovator, share their personal journeys and lessons learned. Support the showFOLLOW PENNIES TO POUNDS

We're back with an episode for first-time buyers! On Thursday 24th August 2023, we hosted an event in London at the Samsung KX building dedicated to debunking the first-time homebuyer journey.This episode is Panel 1 - What are the schemes and options available for first-time homebuyers? Our panel was comprised of property expert Tayo Oguntonade (Brickz With Tipz) and financial advisor Emmanuel Asuquo (The Eman Effect). Ever wondered what steps you need to take to own your first home? By the end of this episode, you'll be well-equipped to make that leap from renter to homeowner!Support the showFOLLOW PENNIES TO POUNDS

Imagine being in your early twenties and a homeowner. Sounds like a dream, right? Meet Jade Vanriel, a property & lifestyle content creator who turned this dream into reality. She shares her journey - from making sacrifices and tough financial decisions to living with her aunt to save money. She also gives young people a roadmap to kickstart their property-buying journey. But what if your budget is tight? No need for despair, as Jade delves into strategies to navigate the property market even when funds are low. We chat about adjusting plans, finding side hustles, and utilizing first-time buyer schemes. Jade also reveals her insider tips on assessing properties and effective negotiation skills. We also explore how to manage expectations as a buyer and find the right property - focusing on regions outside of London with cheaper housing prices. FOLLOW JADE VANRIEL

We've got a gem-filled episode for you this week! Join us as we dive into the secrets of career success with our special guest, Shay Loko. Shay is a job-search content creator and co-founder of the Black British pub quiz, PRTY HERE.Shay reveals strategies for leveraging non-monetary benefits, from flexible schedules to professional development opportunities, to enhance your work-life balance and job satisfaction. And of course, we delve into the crucial topic of knowing your worth in the workplace, empowering you to communicate your value effectively and seize opportunities for growth and advancement.FOLLOW SHAY

This week's episode is live with Hayley Mulenda! Hayley Mulenda is a Multi-Award Winning International Speaker, Author, and Change Agent who has spoken to thousands of people across the world sharing her story of how she turned her pain into purpose.Get ready for a mind-expanding episode that will transform your relationship with money and ignite your personal growth journey. We dive deep into the captivating connection between self-worth and financial abundance. Gain practical advice and proven strategies for finding mentors, cultivating supportive relationships, and building a network that propels you toward your dreams.FOLLOW HAYLEY

Get ready to dive deep into this week's finance headlines in this episode! To do so, we're joined by podcaster and current affairs commentator Ayo, aka Disunomics.We uncover the recent buzz surrounding interest rates, as they soar to a surprising 4.5%. What does this mean for you? Discover how the rate hike impacts savers, mortgage holders, and the overall economic landscape.

Join us for a riveting conversation with Larry, a successful entrepreneur and investor who has made his mark in the world of digital asset brokering, web design, and luxury asset investing. Larry shares his inspiring journey to wealth creation, from his early days in tech to his pivot into the high net worth investment space.Discover the hottest trends in luxury asset investing, including the most popular types of assets that high net worth individuals are investing in and what makes these assets so attractive. Larry also reveals some fascinating case studies of unique luxury asset acquisitions that he has been a part of, highlighting what made those assets stand out.We also dive into the critical role that due diligence plays in luxury asset investing and alternative investments. Larry shares his experience and insights into networking and relationship building in the luxury asset and alternative investment spaces, and the challenges he faced when transitioning from tech to alternative investments.FOLLOW LARRY

In this episode, we explore the complex and often taboo topic of financial dependency in relationships. Nadine, the creator of the social media page Rona Renovation, shares her insights on how financial dependency can manifest in a relationship, and the impact it can have on both partners. We delve into the power dynamics within relationships and how cultural and societal factors contribute to the idea of marrying for financial security.We also discuss the warning signs of financially dependent relationships and share practical tips for approaching financial planning and goal-setting in a way that promotes independence and transparency. Whether you're navigating financial dependency in your own relationship or looking to build your financial independence, this episode offers valuable advice and insights.FOLLOW NADINE

In this episode, we dive deep into the inspiring story of Ibrahim Braimah, who went from being homeless to owning multiple properties. They share their journey of how they overcame obstacles and challenges, and the mindset they developed along the way. We also discuss practical tips for getting started in property investing with little to no capital, including creative financing strategies and leveraging other people's resources.Additionally, we discuss the importance of location when it comes to property investing and share expert advice on how to identify the right location for your investment property. For those interested in Airbnb management, we provide a comprehensive overview of what it is and how to get started. Finally, we touch upon the various laws and regulations that property investors need to be aware of, including landlord responsibilities, and tax implications. Support the showFOLLOW PENNIES TO POUNDS

This episode is with Mary-Grace Olu, a final year university student studying Law who is also an online content creator sharing her journey as well as fashion & beauty content. TOPICS COVERED:Choosing law as a career pathGoing to Brampton Manor Academy for sixth-formBeing rejected from Oxford UniversityBecoming a successful online content creatorManaging money as a university studentExploring other paths whilst at universityFOLLOW MARY-GRACE:Instagram - https://www.instagram.com/marygraceolu/TikTok - https://www.tiktok.com/@marygraceolu?_t=8azhVOgL9FS&_r=1LinkedIn - https://www.linkedin.com/in/mary-grace-o/Support the showFOLLOW PENNIES TO POUNDS

This week's episode is sponsored by Visit England. Kia is joined by Jazz to discuss their trip to Newcastle discussing what they got up to and how they saved money on their staycation.TOPICS:- Things to do in Newcastle- Places to eat in Newcastle on a budget- Things to do in Newcastle on a budget- How to save on staycations in EnglandFor more Newcastle ideas head to: www.newcastlegateshead.com.Or, for more inspiration, VisitEngland has created a hub featuring ways to save on breaks and trips in England. Find out more by visiting: https://www.visitengland.com/things-to-do/budget?utm_source=influencer&utm_medium=influencer&utm_content=_KIAP2Ppodcast_newc_roe_link__pr&utm_campaign=ve value_GBR_feb23Until the end of March, the VisitBritain Shop (https://www.visitbritainshop.com/shop/uk_en/subscribe) is giving away £20 vouchers to anyone who signs up for its newsletter (applies to UK residents only). It's a great incentive to book a day out so check it out!Support the showFOLLOW PENNIES TO POUNDS

This week's episode is focusing on the link between mental health and finances. We're exploring this topic into the triggers and how people can take care of their mental health. To discuss this topic, we're joined by Celine Erorh, founder of mental health platform Celutions.TOPICS:How Celutions beganThe link between mental health and financesWays to take care of your mental healthHow to start journallingStatistics regarding young people's mental health and financesUnderstanding potential triggersFOLLOW CELUTIONS

This week's episode is great for anyone looking to start investing or better understand how to make it best work for you. To simplify this for us, we're joined by Ato, AKA Savvy Wallet.TOPICS COVERED:-  The importance of investing in yourself- Investing myths- What are dividend stocks?- How does compound interest work?- How to become a millionaire through investingFOLLOW SAVVY WALLET

This episode is a very special one as we're joined by Financial Advisor, TV Personality, and Newly Published Author Emmanuel Asuquo.TOPICS COVERED:Habits to leave to improve your financesUnderstanding how to grow your wealthMoney and relationships - the role finances playHis newest book, Get Your Money Right (purchase the book here).FOLLOW EMMANUELInstagram - https://www.instagram.com/theemaneffectuk/Twitter - https://twitter.com/TheEmanEffectUKWebsite - https://emmanuelasuquo.com/This episode is kindly sponsored by Dodl. If you're looking to start your investment journey or just want to learn more, click the link below to find out how you can begin investing jargon- free, straight from your phone:https://dodl.onelink.me/uBIb/xzfg8w5sSupport the showFOLLOW PENNIES TO POUNDS

In this episode, we're joined by content creator Jordan (JayVSOP). He is the Online Financial Influencer of 2022, Co-Founder of the platform  @sturdyoff, and online content creator.TOPICS COVERED- Apprenticeships- Growing the Sturdy-Off platform- How credit works and using it responsibly- Ways to make extra money- Jordan's journey to becoming a millionaire by the end of 2023- Getting started with investingFOLLOW JORDAN