The Wealth Whisperer

In this weeks episode Hazel concludes a mini-series on financial calculations by focusing on the concept of return on equity (ROE). Unlike return on investment (ROI), which measures the profitability of a specific investment at the time of purchase, ROE assesses how effectively an asset generates profit over time based on the equity held. KEY TAKEAWAYS Understanding Return on Equity (ROE): Unlike Return on Investment (ROI), which measures the profitability of a specific investment at the time of purchase, Return on Equity assesses how effectively an asset generates profit over time based on the equity held in it. Evaluating Personal Assets: It's important to assess the equity in personal assets, such as property or savings accounts, to understand how well they are performing. This includes considering cash flow from rental properties or interest from savings. Home Equity Considerations: While many view their home as an asset, it typically does not generate income unless utilised in specific ways (e.g., renting out a room). Therefore, the return on equity from a primary residence is often zero. Regular Portfolio Assessment: Regularly reviewing the performance of your investments and equity is crucial. For example, a property that once had a high return on equity may underperform over time, necessitating a reevaluation of whether to keep or sell it. BEST MOMENTS"It's really important to understand the numbers and to understand the maths around how your money's working for you quite frankly." "Most people don't own... any sort of level of return on that equity in their own home. It's a big fat zero when it comes to a return on equity from your own home equity." "You have to be really careful... if you're going to consider releasing any equity from your own home, because this is obviously going to cost you more money." "The question really is what level of return would you like or want to see from your equity if you were to work with it differently?" VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode of the podcast, Hazel delves into the essential financial calculations needed to assess property investments, focusing on the concept of whether a property will "wash its face." This term refers to determining if the rental income can cover the property's expenses, including mortgage payments. KEY TAKEAWAYS Understanding Cash Flow: It's crucial for property investors to ensure that a property can "wash its face," meaning the rental income should cover the mortgage payments and other expenses, providing a cushion for unforeseen circumstances. Basic Calculation Formula: To determine if a property is financially viable, start with the property value, calculate the mortgage amount (75% loan-to-value), and then assess the annual and monthly mortgage payments based on the interest rate. This helps in evaluating whether the rental income meets the lender's coverage requirements. Reverse Calculation Method: By starting with the expected rental income, investors can determine the maximum property value they can afford. This involves dividing the rent by the lender's rental coverage rate, converting it to an annual figure, and then calculating the maximum mortgage and property value. Market Awareness: Investors should be aware that property values can fluctuate. Having a solid cash flow can provide security during market downturns, as demonstrated by experiences during the 2008 credit crunch. BEST MOMENTS"The term wash its face is commonly used in the property industry to describe whether a property will look after itself in the context of the amount of rent coming in versus the amount of expenses going out." "You need that cushion so that you can be kind of considering that this property is going to be safe for you." "If the property increases over time in value and you don't change the mortgage, then the mortgage loan to value will become less than 75%." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In todays episode Hazel guides between yield and true rate of return in property investment. Hazel uses a straightforward example to illustrate how to calculate yield based on rental income and property value, highlighting that while a high yield can indicate good cash flow. KEY TAKEAWAYS Understanding Yield vs. True Rate of Return: Yield is calculated as the total gross rental income divided by the property value, while the true rate of return considers the actual cash flow relative to the money invested in the property, providing a more accurate picture of investment performance. Example Calculation: For a property worth £150,000 generating £900 monthly rent, the yield is 7.2%. However, after accounting for mortgage costs, management fees, and other expenses, the true rate of return can be calculated, which in this example is 8.4%. Importance of Cash Flow: A strong cash flow and true rate of return are crucial for property investors, as they provide a buffer against market fluctuations and ensure that investments remain profitable even during downturns. Investment Strategy: Aiming for a true rate of return of at least 8% is recommended, as this offers a better alternative to traditional savings accounts, which may not keep pace with inflation. BEST MOMENTS "Knowing and understanding the difference between the yield of a property and the actual true rate of return is absolutely vital." "The true rate of return will give you a much truer picture of what your investment is going to produce for you." "My golden rule of thumb is to be making at least 8% true rate of return if you're going to go into a deal like this." "If you have a decent level of cash flow and therefore true rate of return, it doesn't matter what happens to the market." "The main advantage of buying a property is that it has the potential to increase significantly in value over time." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

Hazel delves into the essential topic of understanding financial terminology, specifically focusing on return on investment (ROI) and return on time invested (ROTI). The importance of being financially educated, especially since these concepts are often not taught in schools KEY TAKEAWAYS Understanding Financial Terminology: It's crucial to learn and understand financial terms like return on investment (ROI) and return on time invested (ROTI) to take ownership of your financial decisions and empower yourself in managing money. Importance of ROI: ROI is a basic calculation that measures the profitability of an investment. For example, depositing £10,000 in a high-interest bank account at 5.5% yields £550 annually, while higher returns (12%, 15%, or 20%) can significantly increase earnings. Compounding and Starting Small: You can start investing with smaller amounts, such as £20 or £50 a month, and benefit from the power of compounding over time, which can lead to substantial growth in your investment portfolio. Evaluating Time Investment: When considering investments, it's essential to factor in the value of your time (ROTI). For instance, if you spend 30 hours on a property deal and value your time at £20 an hour, that adds £600 to your costs, impacting your overall profitability. BEST MOMENTS"After all, this is a show all about becoming wealthy, not just in the financial sense." "It's absolutely crucial that you do learn and refine this part of your knowledge until you know it inside out if you are serious about becoming wealthy." "One factor that people tend to miss out of the equation... is the return on the time that they invest into completing a deal." "If you were able to generate more like 12% a year or 15 or even 20% a year return on investment, then obviously this is much better." "I thought that that would be a bit of a fun intro to the numbers." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode of The Wealth Whisperer, Hazel delves into the concept of SWOT analysis—an acronym for Strengths, Weaknesses, Opportunities, and Threats. Drawing from personal experiences in property coaching and her own financial journey, she emphasizes the importance of applying SWOT analysis not just in business contexts but also in our personal lives. KEY TAKEAWAYS Understanding SWOT Analysis: SWOT stands for Strengths, Weaknesses, Opportunities, and Threats. It is a valuable tool not only for businesses but also for personal development and life planning. Personal Application: Conducting a SWOT analysis on your own life can provide insights into your current situation, helping you identify areas for improvement and leverage your strengths and opportunities. Identifying Strengths and Weaknesses: Recognizing your strengths allows you to capitalize on them, while acknowledging weaknesses helps you find ways to mitigate risks or outsource tasks that you do not enjoy or excel at. Opportunities and Threats: Being aware of opportunities can guide you toward growth and financial freedom, while understanding potential threats, such as market changes or personal responsibilities, can help you make informed decisions. Actionable Insights: After completing a SWOT analysis, it’s important to determine your number one action or learning. This could involve outsourcing tasks you dislike or exploring new financial strategies to enhance your sense of freedom and efficiency in life. BEST MOMENTS"The S stands for strengths. The W stands for weaknesses. The O for opportunities and the T for threats." "When you can see your situation from different perspectives, it can actually help you to improve certain areas of your life." "It's always good to know and to see where you can make those changes to affect even more of that sense of freedom." "I can also sometimes get distracted when I'm in the middle of a task. So I need to keep myself on track sometimes." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode of The Wealth Whisperer, Hazel delves into the realities of achieving financial freedom, inspired by a recent discussion within the Freedom Club. Drawing from personal experience, Hazel encourages listeners to reflect on what they would truly do with their time if they were financially independent. KEY TAKEAWAYS Understanding Financial Freedom: Achieving financial freedom involves not just the financial means but also a mental shift in how to spend one's time. It's essential to consider what life would look like beyond the traditional work structure. Potential Challenges: Many individuals may feel lost or bored when they gain time freedom, as they are often conditioned to follow a structured routine. It's important to recognize these feelings and plan for how to fill the newfound time meaningfully. Social Connections: Financial independence can lead to a sense of isolation if friends and family are still working. Building a network of like-minded individuals is crucial for maintaining social connections and finding fulfillment in activities. Exploring Interests: With financial freedom, there is an opportunity to explore hobbies, travel, and engage in activities that bring joy. However, it's important to ensure that there are sufficient financial resources to support these pursuits. Positive Mindset: Instead of focusing on what one is escaping from (like work), it's vital to envision what one is working towards. This positive outlook can serve as motivation and help create a fulfilling life post-financial independence. BEST MOMENTS"What would I actually do with my time if I was financially free or could retire early?" "The reality may in fact be quite different to the dream." "If you have a feeling that it would be a little bit negative, that could actually end up holding you back from becoming financially free." "What would you spend your time doing if you had more time?" VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this reflective podcast episode, Hazel shares personal insights following their recent birthday, emphasising the importance of appreciating life and the fleeting nature of time. Drawing from recent experiences of loss among friends and family, they explore the concept of "renting" our possessions and the realisation that material things hold less value than meaningful experiences and relationships. KEY TAKEAWAYS Appreciation of Life: As we age, we gain a deeper appreciation for life and the importance of enjoying every moment, especially in light of loss and the inevitability of death. Material Possessions vs. Experiences: Life is often viewed as a rental experience; we don't truly own our possessions. It's essential to consider whether the time and effort spent acquiring material things are worth it compared to the experiences and memories we create. Living in the Moment: The message emphasizes the importance of living for the moment and making the most of our time with loved ones, rather than getting caught up in the pursuit of material wealth. Reflection on Time: Reflecting on how we spend our time can lead to a more fulfilling life. It's crucial to evaluate whether our daily activities align with what truly matters to us. Inspiring Others: By living authentically and joyfully, we can set an example for those around us, encouraging them to also embrace life and its fleeting nature. BEST MOMENTS"It just makes you think a bit more about how precious life is." "When you think about it, we don't own anything. If you really look at the nuts and bolts of it... you can't take it with you." "Everything that you buy in this life costs you your time." "Is the stuff more important than the experiences and how you feel during your life?" "You have to think, okay, what do I have in my life? What's important to me? How do I want to spend it?" VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel reflects on the passage of time and the importance of moving from a state of compulsiveness to one of consciousness. They share personal experiences of a mixed week, emphasising the quest for true freedom—both external and internal. KEY TAKEAWAYS Awareness of Time: Life can often feel like it's rushing by, and it's important to become more conscious of how we spend our time and the experiences we have each day. Inner Freedom: True freedom is an internal experience rather than something dependent on external circumstances. It’s essential to recognise that the feeling of freedom comes from within. Direct Experience: Our only reliable reference point in life is our own direct experience. By focusing on the present moment and what we are experiencing, we can cultivate a sense of peace and liberation. Mindfulness Practice: Taking moments throughout the day to stop, breathe, and let go of distractions can help us reconnect with a sense of well-being and inner peace. Neutrality of Life: For most of us, life is generally neutral and peaceful. By acknowledging this, we can shift our perspective and reduce stress, recognizing that many of our worries are not as pressing as they seem. BEST MOMENTS"What I really notice... is that we can actually miss a big chunk of our lives by just going through and doing the usual stuff." "The only thing that we know is our own direct experience of life." "If you find yourself searching for a sense of freedom... just stop for a moment. Just literally stop." "99% of the time, life is actually pretty neutral." "Every single day is a gift. I wake up in the morning and I remind myself that which I'm truly grateful." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode Hazel delves into the critical importance of decision-making in our lives and its impact on our well-being and success. Drawing from personal experiences and observations, the host emphasises that successful individuals tend to make quick decisions and change their minds slowly, while less successful people often struggle with indecision. KEY TAKEAWAYS Decision-Making and Wellbeing: The ability to make quick and effective decisions is crucial for personal wellbeing and success. Successful individuals tend to make decisions swiftly and change their minds slowly, while less successful individuals often do the opposite. Trusting Yourself: Many people are not taught to trust their instincts when making decisions. It's important to align choices with personal values and desires rather than societal or familial expectations. Impact of Environment: A supportive environment, especially during childhood, plays a significant role in developing decision-making skills. Lack of encouragement can lead to individuals feeling pigeonholed and unable to pursue their true passions. Exploring Personal Interests: Young people often receive prescriptive career guidance that doesn't account for their unique interests and strengths. This can result in unfulfilling career choices, highlighting the need for self-exploration. BEST MOMENTS"Successful people make decisions quickly and change their minds slowly, while less successful people make decisions slowly and change their minds quickly." "It's only your life, only you can live it." "When you are able to make decisions and choose things which feel good to you, it's almost like you then are able to act in flow." "You have infinite options. The question is, which path are you going to choose?" VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel delves into the concept of the learning curve, particularly in relation to money and finances. Drawing from personal experiences as a former teacher and current property expert, the discussion outlines the four stages of learning: unconscious incompetence, conscious incompetence, conscious competence, and unconscious competence. KEY TAKEAWAYS Four Stages of Learning: The learning process consists of four stages: unconscious incompetence, conscious incompetence, conscious competence, and unconscious competence. Each stage represents a different level of awareness and skill in managing finances. Unconscious Incompetence: This stage is characterised by blissful ignorance regarding financial management. Individuals may not be aware of their spending habits or the implications of their financial decisions, often leading to overspending and financial stress. Conscious Competence: At this stage, individuals begin to understand their financial situation and actively implement strategies to manage their money better. This includes budgeting, cutting unnecessary expenses, and seeking better deals on bills and services. Unconscious Competence: In this final stage, financial management becomes second nature. Individuals automatically apply their knowledge and skills to grow and protect their wealth, allowing them to enjoy life while securing their financial future. BEST MOMENTS"There's a saying which again you may or may not have heard in the past which is you don't know what you don't know." "This is the blissful ignorance stage. And we've all been there, right? Whether you still are, because you're either not a driver or you're learning to drive." "You need to become consciously incompetent, right? And this is where you begin to realize, well, something needs to change." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel explores the concept that saving alone is not a viable path to wealth, especially in the context of low interest rates and currency debasement. Drawing on personal experiences and statistics, the discussion emphasises the importance of investing in well-performing assets, such as property and cryptocurrencies, to outpace inflation and grow wealth over time. KEY TAKEAWAYS Saving Alone is Insufficient for Wealth: Simply saving money in a bank account is not enough to build wealth, especially given low interest rates and the impact of inflation and currency debasement. Understanding Inflation and Currency Debasement: To maintain the value of savings, one must save at least 11% annually to counteract the effects of currency debasement and inflation, which can significantly erode purchasing power. Investing in Assets: Investing in well-performing assets, such as property or stocks, can yield much higher returns compared to traditional savings methods. Historical data shows that certain assets, like UK house prices and Bitcoin, have significantly outperformed savings accounts. The Importance of Time and Patience: Long-term investment strategies, such as compounding returns, can lead to substantial wealth accumulation over time. The story of a janitor who amassed $8 million through frugality and smart investing illustrates this principle. Choosing the Right Financial Guidance: While working with financial advisors can be beneficial, it’s crucial to select them carefully, as not all advisors prioritize their clients' best interests. Understanding where and how to invest is essential for financial success. VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode of the podcast, Hazel delves into the powerful concept of "you can only spend it once," inspired by her husband's insightful saying. She encourages listeners to reflect on their spending habits and consider the long-term implications of their financial choices. KEY TAKEAWAYS You Can Only Spend It Once: The concept emphasizes the importance of being mindful about spending money, as each expenditure is a one-time decision that impacts future financial goals. Awareness of Internal Conflicts: Reflecting on what you want your money to do for you can reveal internal conflicts between immediate desires and long-term financial goals, leading to more conscious spending decisions. The Power of Delayed Gratification: Choosing to delay immediate pleasures, such as daily coffee purchases, can lead to significant savings over time, which can be invested for future growth. Compound Interest Benefits: Regularly saving and investing small amounts, like the cost of a daily coffee or lunch, can accumulate to substantial sums over time due to the effects of compound interest. BEST MOMENTS"You can only spend it once. So we're going to really explore the idea of this and how you can really start to notice where your money goes." "As soon as your money leaves your pocket or bank account, it's gone. Never to be seen again unless you have invested it consciously." "If you were to apply the principle of pound cost averaging into some sort of investment vehicle that could make you 10% a year... it would be about £20,000." "This is particularly important for the youngsters of today, because a lot of youngsters think about the quick fix, the instant gratification." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel introduces a powerful exercise designed to help listeners navigate challenging decisions and conundrums in their lives. Drawing from a technique learned from a business mentor, Hazel outlines a four-question framework that encourages deep reflection and clarity. KEY TAKEAWAYS Four Question Exercise: The exercise consists of four key questions designed to help clarify decision-making: What would happen if I did...? What would happen if I didn't...? What wouldn't happen if I did...? What wouldn't happen if I didn't...? Application in Various Contexts: This exercise can be applied to both personal and professional situations, making it versatile for any challenging decision or conundrum. Structured Approach: To implement the exercise, divide a sheet of paper into four sections, each labeled with one of the questions, and write down your thoughts for each. Clarity and Insight: By answering these questions, individuals can gain clarity and insight into their thoughts, helping to sort through mental confusion and leading to a more informed decision. Immediate Gut Reaction: After completing the exercise, individuals often experience an immediate gut feeling about the best course of action, making the decision-making process more intuitive and straightforward. BEST MOMENTS"It is a simple yet effective and deep way of solving any seeming conundrum in your life." "This simple yet deep little exercise will bring about an almost instant gut feel reaction to the answers that you've given." "What wouldn't happen if I didn't invest in property? See what I mean by being like a bit of a head mess." "It helps you to see that situation from all different angles, all different perspectives." "If you have enjoyed this episode I'd massively appreciate a little like or a comment in the box as it really helps to get the message to reach other people." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel delves into the concept of pound cost averaging (or dollar cost averaging) as a powerful investment strategy that allows individuals to take control of their finances. By consistently investing a fixed amount into a chosen investment vehicle, such as stocks or cryptocurrencies, on a regular schedule, investors can mitigate the impact of market volatility. KEY TAKEAWAYS Understanding Pound Cost Averaging: This investment strategy involves consistently investing a fixed amount of money into a particular asset at regular intervals, regardless of the asset's price fluctuations. This approach helps to mitigate the impact of market volatility. Automate Your Investments: Setting up automated payments into your chosen investment vehicle can simplify the process and ensure that you consistently invest without having to think about it each time. Long-Term Focus: It's important to adopt a long-term perspective when using this strategy. Regularly checking the performance of your investments should be done infrequently to avoid emotional decision-making based on short-term market movements. Building a Diverse Portfolio: Once comfortable with the process, investors can apply the same strategy to multiple investment vehicles, allowing for the creation of a diversified portfolio over time. BEST MOMENTS"The principle is very simple... it's just that you are now in control. You get to decide where you put your cash." "Pound Cost Averaging evens out the big swings, the big highs and lows that can come in the market." "By pound cost averaging, we made a 37.2% gain... in a year, especially because the market was going wobble, up and down." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel explores effective strategies for managing and eliminating debt, focusing on two popular methods: the Debt Snowball and Debt Avalanche techniques. The Debt Avalanche method prioritises paying off debts with the highest interest rates first, ultimately saving money on interest payments and reducing the time needed to become debt-free. KEY TAKEAWAYS Debt Repayment Strategies: There are two primary methods for managing debt: the Debt Avalanche method, which focuses on paying off the highest interest debt first, and the Debt Snowball method, which targets the smallest debt first. Each method has its own advantages and disadvantages. Importance of Minimum Payments: Regardless of the chosen method, it's crucial to make minimum payments on all debts except for the one being targeted. Setting up automatic payments can help ensure that these minimums are met consistently. Pros and Cons of Each Method: The Debt Avalanche method can save money on interest and reduce the time to become debt-free, but it requires discipline and commitment. In contrast, the Debt Snowball method can provide quick wins and motivation by eliminating smaller debts first, though it may result in paying more interest over time. Debt Consolidation Option: Consolidating debts can be a beneficial strategy, especially if one has equity in their home. By refinancing at a lower interest rate, individuals can potentially reduce their overall interest payments and simplify their debt management. BEST MOMENTS"The Debt Avalanche method means you pay off the highest interest debt first, while the Debt Snowball method has you pay off the smallest debt first." "Using the Debt Avalanche method will save you the most in interest payments as you go along." "The snowball method can give you that motivation to settle your debts faster and see accounts closed down much quicker." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel delves into the principle of opportunity cost, emphasising its significance in making informed decisions, particularly in financial matters. As the new year begins, the discussion reflects on the regrets many individuals have regarding missed opportunities, such as investing in property or cryptocurrencies. Hazel shares personal experiences and insights gained over 15 years of working with clients, highlighting the importance of education and due diligence in investment choices. KEY TAKEAWAYS Understanding Opportunity Cost: Opportunity cost refers to the value of the next best alternative that is forgone when making a decision. It's crucial to recognise what you might be giving up when choosing one option over another. Importance of Education: Being informed and educated about different investment opportunities is essential. Knowledge can help individuals make better financial decisions and avoid regrets about missed opportunities. Delayed Gratification: Choosing to invest in long-term financial stability, such as property, over immediate pleasures like luxury vacations or cars can lead to greater financial security in the future. Learning from Experience: Not every investment will yield positive results, but each experience—whether successful or not—provides valuable lessons. Embracing failures as learning opportunities is vital for growth. BEST MOMENTS "Opportunity cost is the value of the next best alternative when a decision is made." "The opportunity cost of such was that we chose delayed gratification for future financial stability." "If you're not in the game, you're not learning." "It's important to align with the choices that you make and make sure that you are doing the correct due diligence." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel welcomes listeners to the New Year and shares a reflective exercise designed to help individuals take stock of their lives, particularly focusing on finances and personal growth. Hazel encourages listeners to grab a pen and paper to answer a series of thought-provoking questions that assess their achievements, challenges, and aspirations from the past year. By reflecting on what went well, what could have been improved, and what actions to take moving forward. KEY TAKEAWAYS Reflective Exercise: At the start of the year, it's beneficial to take stock of your life, particularly your finances, by reflecting on your achievements and areas for improvement. This can help you identify necessary adjustments to align with your life objectives. Mindset Shift: Progress towards personal and financial freedom often requires a shift in mindset. Recognising the importance of your thoughts and decisions can empower you to take different actions that lead to desired outcomes. Long-Term Perspective: People tend to overestimate what can be achieved in a year but underestimate what can be accomplished in five years. It's essential to focus on long-term goals and the foundational work needed in the early years of your journey. One Word Exercise: Consider what one word represents what you want to leave behind from the previous year and what one word embodies how you want to feel moving forward. This exercise can help clarify your intentions for the new year. BEST MOMENTS"It's a powerful little exercise that I'm going to be sharing with you." "If you don't stop then to be quite honest with you it could be feeling like you're bashing your head against a brick wall." "People massively overestimate what can be achieved in a year, but hugely underestimate what can be achieved in five years." "What one thing would you like to carry forward into 2025 in terms of your sense of being?" VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest.

In this thought-provoking podcast episode, Hazel guides listeners through a reflective exercise aimed at assessing their current life situation. By posing a series of introspective questions about work hours, income, and personal time, Hazel encourages individuals to confront the often-overlooked aspects of their daily lives. KEY TAKEAWAYS Self-Reflection on Time and Money: It's essential to assess how much time is spent working, including commuting, and how much net income is earned. This reflection helps identify the balance between work and personal enjoyment. Understanding Life's Obligations: Recognise the time consumed by family responsibilities and chores, which can limit personal enjoyment. It's important to differentiate between obligatory tasks and leisure activities. Financial Awareness: Calculate monthly expenses, including housing, food, and transportation, to understand the financial constraints faced. Many families find that their income barely covers essential living costs, leaving little for discretionary spending. The Importance of Financial Freedom: The discussion emphasises the need to create additional income streams to escape the cycle of working solely to meet basic needs. This can lead to a more fulfilling and less stressful life. BEST MOMENTS"These questions are designed to help you get a really good close look at your current situation, to help you square up and take a good look in the face at what's going on in your world right now." "How much time do you have to enjoy your life aside from working and after all usual family activities and personal responsibilities?" "It's quite shocking when you start to really take a good look at it and go, what the heck is going on? I'm in this zone of earning, working, paying for things, doing everything I need to do to just exist." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest.

In this special Christmas edition of The Wealth Whisperer, Hazel explores the transformative power of giving and its profound impact on wealth and well-being. Emphasising the ancient tradition of tithing and the spiritual significance of generosity, the episode features powerful quotes from notable figures like Saint Francis of Assisi and Winston Churchill. Hazel discusses how giving fosters a sense of abundance, opens the heart, and creates a positive energy exchange between the giver and receiver. KEY TAKEAWAYS The Power of Giving: Giving is recognised as a powerful principle that enhances both personal well-being and the well-being of others. It fosters a sense of abundance and love, which can transform one's perspective on life. Abundance Mindset: Embracing an abundance mindset, even in times of scarcity, can shift your feelings and open your heart. Recognising the support and care received throughout life can help cultivate this mindset. Different Forms of Giving: Giving is not limited to monetary donations; it can include time, knowledge, kindness, and even simple gestures like a smile. Each act of giving contributes positively to both the giver and the receiver. The Ripple Effect of Kindness: Small acts of kindness can have far-reaching effects, as illustrated by the "Pay It Forward" principle. Engaging in acts of generosity can create a cycle of compassion and gratitude. BEST MOMENTS"For it is in giving that we receive." — Saint Francis of Assisi "The sole meaning of life is to serve humanity." — Leo Tolstoy "If you want happiness for a lifetime, help somebody." — Chinese proverb "What giving does in my estimation is it proves the principle of abundance." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest.

In this thought-provoking episode of The Wealth Whisperer, Hazel explores the concept of "financial shifting sands," drawing parallels between the ever-changing nature of desert landscapes and our financial situations. The discussion emphasises the importance of recognising that income, job security, and economic conditions are in a constant state of flux. KEY TAKEAWAYS Financial Shifting Sands: Life and financial situations are constantly changing, much like shifting sands in a desert. It's important to acknowledge that nothing remains the same forever, including income, job security, and financial markets. Income Awareness: Be mindful of your income sources, as job stability can fluctuate due to various factors such as redundancies or changes in government policies. It's crucial to stay prepared for potential shifts in your financial situation. Banking Risks: Understand the implications of bank bail-ins, where depositors' funds may be used to support failing banks. It's advisable to ensure that your deposits are covered by financial compensation schemes and to diversify your funds across different banks. Pension Management: Regularly review your pension pot to ensure it is on track to provide sufficient income for retirement. Be proactive in seeking better-performing options and do not solely rely on state pensions. BEST MOMENTS"Nothing ever does stay the same. Even moment by moment, things change in our experience." "You become a creditor to the bank. That money goes into the bank, the bank lends it elsewhere." "You need to keep an eye on things and keep open for anything that may affect our financial situation." "It's good to acknowledge and know how that's going to affect you. Don't just bury your head in the sand." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest.

In this episode, Hazel delves into the crucial topic of financial responsibility and the concept of financial power. Emphasising that finances are always your responsibility, regardless of your current situation, the discussion explores various ways individuals may inadvertently give away their financial power.  KEY TAKEAWAYSPersonal Responsibility for Finances: Taking responsibility for your financial situation is crucial, regardless of whether you are in debt or have significant assets. The more control you take over your finances, the better your outcomes will be. Recognizing Power Loss: Individuals often give away their financial power through various means, such as lack of knowledge, poor planning, comparison with others, and reliance on partners or financial institutions. It's important to identify these behaviours to regain control. Understanding Debt: Differentiating between good debt (which generates income) and bad debt (which incurs expenses) is essential. Bad debt can significantly diminish your financial power. Caution with Financial Advisors: When working with financial institutions or advisors, it's vital to conduct thorough research and maintain an understanding of your investments. Relying too heavily on others can lead to significant financial losses. Pros and Cons of Delegating Financial Control: While delegating financial management can provide time freedom and potential passive income, it also comes with risks, such as losing control and being vulnerable to exploitation. Always weigh these factors before deciding to give away financial power. BEST MOMENTS"Regardless of your situation, they are always your responsibility." "Comparison is the thief of all progress. What you have and what you do is your business." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode of The Wealth Whisperer, Hazel delves into the myth that true wealth is merely about accumulating a large sum of money. Instead, she emphasises that real wealth equates to freedom—the ability to do what you want, when you want, with whom you want. Drawing from her 25 to 30 years of experience in financial education and property investment, she introduces the concept of generating multiple streams of income as the key to achieving this freedom.  KEY TAKEAWAYSTrue Wealth Equals Freedom: Real wealth is not just about accumulating money; it is about having the freedom to do what you want, when you want, and with whom you want. Diversifying Income Streams: To achieve financial freedom, it is crucial to create multiple streams of income rather than relying solely on earned income from a job. This can include investments, property, or other business ventures. Income as a River: Visualize your income as a river that flows in and out of your life. If you only have one source of income, it can dry up quickly, leaving you vulnerable. Multiple income streams ensure a steady flow. Passive Income is Essential: Generating income while you sleep is vital for long-term financial security. Without passive income, you may find yourself working indefinitely without the ability to retire comfortably. BEST MOMENTS"The key to creating true wealth is not to accumulate a great big pile of money." "Real wealth comes from being able to do what you want, when you want, with whom you want." "If you don't find a way to make money while you sleep, then you will work until you die." "Each and every property in our portfolio is a stream of income. It's a mini business." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode of The Wealth Whisperer, Hazel delves into the essential concept of positioning oneself for wealth creation. Emphasising the importance of taking consistent and considered action, the discussion highlights various avenues for building wealth, including entrepreneurship, stock market investments, property portfolios, and cryptocurrencies. Hazel shares personal experiences and insights on leveraging time and resources effectively, while also addressing the significance of patience in the wealth-building journey.  KEY TAKEAWAYS Positioning for Wealth: To become wealthy, it's essential to position yourself in front of opportunities and take relevant, considered actions. Simply reading books or attending courses is not enough; action is crucial. Patience is Key: Wealth creation requires patience. Whether in property, stocks, or cryptocurrencies, understanding that significant gains take time is vital. Quick schemes often lead to losses, emphasizing the importance of a long-term perspective. Leverage and Time: Utilizing leverage (like mortgages) and allowing time to work in your favor can significantly enhance wealth-building efforts. Over time, investments can grow substantially, leading to a self-sustaining portfolio. Consistent Investment: Regularly investing small amounts into funds or assets, such as index trackers or cryptocurrencies, can lead to substantial growth over time due to the compounding effect and dollar-cost averaging. Wealth Being: Cultivating a sense of "wealth being" involves feeling proactive about your financial future. This mindset can enhance your investment experience and contribute to overall growth, allowing you to enjoy life while building wealth. BEST MOMENTS"The most important thing that we can do to help ourselves to become wealthy is to learn how to do it." "There are very very few, if any, real get-rich-quick schemes. They just are false." "Time has been the most powerful aspect of our journey. Because over the years, time, as well as leverage, has allowed the portfolio to grow." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel shares her personal journey towards financial and lifestyle freedom, reflecting on her early career as a music teacher and the feelings of being trapped by her circumstances. Hazel discusses her initial aspirations to create wealth through various ventures, particularly in property, and the lessons learned along the way, including the importance of cash flow over ego-driven goals. After achieving financial independence, she found herself feeling trapped again due to the demands of her coaching business. This led her to explore the true meaning of freedom and the necessity of inner work to cultivate a sense of freedom from within.  KEY TAKEAWAYSInner Freedom is Essential: True freedom comes from within, and it's important to focus on cultivating a sense of freedom and well-being internally before expecting external circumstances to change. Shift in Focus: Concentrating on what makes you feel good and engaging in activities that promote joy and abundance can positively influence your outer life circumstances. Financial Independence vs. Time Independence: Achieving financial independence does not automatically equate to having the freedom to spend your time as you wish; it's crucial to also prioritize time independence. Small Daily Actions Matter: Incorporating one to three small actions each day that evoke feelings of freedom, joy, or abundance can significantly enhance your overall sense of well-being. Continuous Self-Discovery: The journey towards freedom and fulfillment is ongoing, requiring regular reflection and adjustments to align with your true desires and values. BEST MOMENTS"I could sense in myself that I was not happy or satisfied with that as a continued life experience." "What I've discovered is that it's an inside job. That sense of freedom has to come from within." "You can't worry your way to wealth, right? You have to build your way to wealth and freedom from that good feeling place." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel delves into the intriguing question of whether house price inflation is a con. Drawing from personal experiences as a property investor and coach, the discussion highlights the historical context of house price growth and its implications for today's market. Hazel examines the disparity between house prices and real wages, the role of the "Bank of Mum and Dad" in helping younger generations enter the property market, and the impact of inflation on perceived property value.   KEY TAKEAWAYS House Price Inflation vs. Real Value: While house prices may appear to be increasing, the real value of housing has not significantly risen since 2007 when adjusted for inflation. Affordability Crisis: The gap between house prices and earnings has widened, with current house price-to-earnings ratios being around six to eight times the average salary. Leverage in Property Investment: Leveraging properties can significantly increase potential profits. For example, spreading investment across multiple properties can yield higher returns compared to investing in a single property without a mortgage. Market Predictions: Predictions for future house price growth vary, with some forecasts suggesting a modest increase of 4% over the coming years, while others. Strategic Buying: Successful property investment requires careful purchasing strategies, such as buying below market value or in areas with strong growth potential.   BEST MOMENTS "Is house price inflation a bit of an illusion? The real rate of house price growth has slowed down dramatically in the last four years." "The affordability, therefore, is not there like it used to be... 57% of all mortgaged first-time borrowers last year used the Bank of Mum and Dad." "In real terms, prices are still lower than they were in 2007... house prices compared to inflation... they're not worth any more than they were in 2007." "You have to buy correctly and not just rely on the fact that house prices are going to keep going up in value." "It is, in my mind, still a fantastic time to get into the market... understanding the market conditions and buying correctly."   VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page   ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel draws a captivating analogy between gardening and wealth creation, illustrating how both require careful preparation, nurturing, and patience. The discussion begins with the Hazel's admiration for her mother's exceptional gardening skills, leading to insights on establishing a solid financial foundation akin to preparing soil for planting. Hazel emphasises the importance of seeking expert advice, tending to investments with love and care, and understanding that growth takes time.  KEY TAKEAWAYS Foundational Preparation: Just like preparing a garden involves tilling the soil and understanding the right conditions for planting, establishing a solid financial foundation is crucial for wealth creation. This includes assessing your current financial situation and seeking expert advice. Patience is Essential: Growing both a garden and wealth takes time. It's important to trust the process and allow investments to mature without constantly checking for immediate results. Patience is key to seeing long-term growth. Tending and Nurturing: Regularly tending to your investments, much like caring for plants, is vital. This includes monitoring progress, making adjustments, and ensuring that the right conditions are maintained for growth. Weed Management: Just as a gardener must remove weeds and protect plants from pests, individuals should be vigilant against negative influences and distractions that can hinder financial growth. This involves doing due diligence and maintaining a positive mindset. Passion and Purpose: Engaging in financial activities that resonate with personal interests and passions can lead to greater success. Investing time and energy into areas you care about will enhance your commitment and drive for achieving financial goals. BEST MOMENTS "Wealth creation is exactly like growing a garden... it's the same process and it's the same concept." "If you don't do this bit, your finances are not going to grow unless you get this bit right." "It takes time for the roots to grow... you just let it do its thing." "The key is to do the groundwork, to put the right seeds in, and allow or provide the right circumstances for that investment to grow." "You need to have somebody who cares, who knows what they're doing and who can give you the best of their time and their knowledge."   VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page   ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel explores the "six steps to financial well-being," guiding listeners through a journey from financial ignorance to financial freedom. The discussion starts with the importance of financial awareness, emphasising the need for individuals to understand their financial situations. Each step is covered, from becoming aware of financial ignorance and developing awareness, to taking responsibility for one's finances, achieving stability, and ultimately reaching independence and freedom. The host encourages listeners to reflect on their current financial status and offers a valuable resource, the Financial Freedom Spreadsheet, to help them gain clarity and take actionable steps towards improving their financial health. This episode is a call to action for anyone looking to enhance their financial literacy and well-being. KEY TAKEAWAYS Six Steps to Financial Well-Being: The episode outlines a framework consisting of six steps to achieve financial well-being, encouraging listeners to assess their current position and identify areas for improvement. Financial Ignorance: The first step is financial ignorance, where individuals may be unaware of their financial situation, leading to stress and a lack of resources for essentials and luxuries alike. Importance of Financial Awareness: Moving to financial awareness is crucial. Utilizing tools like the Financial Freedom Spreadsheet can help individuals gain a clear understanding of their income, expenses, and potential savings. Taking Financial Responsibility: The third step involves taking action based on financial awareness. This includes making small, incremental changes to improve financial situations, such as negotiating lower interest rates on debts. Achieving Financial Freedom: The ultimate goal is financial freedom, which allows individuals to live life on their own terms without the constraints of financial stress, enabling them to choose how they spend their time and resources. BEST MOMENTS "The first step moving from financial ignorance to financial awareness is absolutely key and the most important thing to do." "Financial ignorance means that they don't, they're not aware of the situation that they're creating for themselves and they're not aware of how to actually get out of it." "It's those little incremental shifts that make all the difference." "Financial independence means that you have to then put in place and build a pot of assets that are going to start to pay you." "Financial freedom to me means the ability to do what you want, when you want, with whom you want."   VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page   ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel delves into the concept of "putting yourself in the way of success," emphasizing the importance of actively seeking opportunities and taking calculated risks to achieve financial freedom and personal fulfilment. Hazel highlights the necessity of commitment, delayed gratification, and self-belief, encouraging listeners to embrace challenges and learn from failures as valuable feedback. Hazel shares personal anecdotes about their journey to success, illustrating how early investments and a willingness to adapt have led to significant life changes.   KEY TAKEAWAYS Success requires active participation. You need to seek opportunities, take risks, and be committed to your goals to create the conditions for success. Achieving financial freedom often involves years of hard work and sacrifice. It's essential to prioritize long-term goals over immediate pleasures to build a solid foundation for your future. Self-belief is crucial. Recognize your worth and don't settle for less. Surround yourself with positivity and seek out opportunities that align with your aspirations. Continuously develop your skills and be open to new challenges. A healthy attitude towards risk and a willingness to learn from failures are vital for growth. Maintaining both physical and mental health is essential for sustaining your journey towards success.   BEST MOMENTS "Success doesn't just tend to happen. It involves you putting yourself out there in some way." "You have to be putting yourself out there in order to win the game." "There is no such thing as failure, just feedback." "If you feel you're being undervalued... you must make sure that you seek and search out the opportunities that are going to bring you that sense of worth." "Don't define your self-worth by your work. Some ideas will work, some won't. You just gotta dust yourself off and go again."   VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page   ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel delves into the pressing economic challenges many are facing today, particularly the impact of high inflation and rising costs of living. With a focus on the financial squeeze experienced by individuals and families, the discussion highlights the significant devaluation of currencies and the soaring prices of essential goods and services. Hazel also explores the paradox of large corporations, especially energy companies, reporting substantial profits while consumers struggle. Hazel encourages awareness and informed decision-making to navigate these turbulent times effectively, setting the stage for a follow-up episode on house price inflation and its relation to the broader economy.   KEY TAKEAWAYS Inflation has significantly decreased the purchasing power of currencies, with the UK pound losing about 20-25% of its value over the last four years. While inflation can erode the real value of debt, making it easier for borrowers to manage their loans, the overall economic environment remains challenging due to rising costs and interest rates. Central banks may resort to quantitative easing to stimulate the economy by increasing the money supply. However, this practice can lead to currency devaluation. The UK's national debt is currently equivalent to its GDP, which is a concerning statistic. Comparatively, other countries like the US and Japan have even higher debt-to-GDP ratios. Interest rates have been rising rapidly, creating a cyclical effect where governments must refinance their debt. This cycle can impact personal finances, especially for those with mortgages or investment properties.   BEST MOMENTS "There has definitely been a massive tightening of belts that's had to be done over the last few years." "Not only has your pound gone down in value, things have become more expensive by X amount." "The UK currently, compared to its gross domestic product, is a hundred percent in debt. I mean, that's insane." "Quantitative easing... is literally plucking money out of the air out of the ether; it's not backed by anything." "We need to really take stock and think: are our house prices being artificially inflated?"     VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/on-the-money-2024 ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest.

In this episode, Hazel explores the importance of creating space in our lives for reflection and self-discovery. Emphasizing the need to step back from daily responsibilities and the chaos of life, she shares personal experiences of finding freedom and clarity through moments of solitude, such as dog walks and retreats. Hazel highlights how taking time to check in with oneself can lead to a deeper understanding of one's feelings and thoughts, ultimately guiding better decision-making. KEY TAKEAWAYS Creating space in your life, whether through daily practices like walking or through retreats, is essential for self-reflection and personal growth. It's crucial to take time each day to check in with yourself, assess your feelings, and allow your thoughts to surface, which can lead to clarity and a sense of calm. Often, our minds can complicate decision-making by getting stuck in past patterns. Tuning into your inner self can provide clearer insights and guidance. By regularly reconnecting with your core self, you can access a sense of peace, abundance, and love, which is vital for making informed life choices. Taking time to reset and reflect allows you to approach challenges from a more centered and proactive mindset, rather than reacting out of stress or confusion. BEST MOMENTS "Creating a bit of space in your world to take stock of what's going on, to reflect on what's happening, and just to, I guess, come back to yourself." "The most important gift we can give to ourselves is the gift of space." "Thinking and allowing the thinking to subside and sink down and coming back to your centre... is all important when it comes to clarity and the ability to move forwards." "It's so important to remind, re-mind yourself of this on a really regular basis, every single day." "By doing this, I find that it can just give you that totally different perspective on what's going on for you." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/on-the-money-2024   ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel delves into the profound impact of influences in our lives, particularly focusing on the people we surround ourselves with. Using a personal anecdote about a friend from the Freedom Club, she highlights how positive influences can encourage financial growth and risk-taking, while negative influences can hinder personal development. Hazel emphasizes the importance of being mindful about our social circles and the conversations we engage in, as they shape our beliefs and outcomes. KEY TAKEAWAYS The people you surround yourself with significantly impact your mindset, financial decisions, and overall life trajectory. Choosing your social circle wisely can lead to personal growth and new opportunities. Early influences, particularly from parents, play a crucial role in shaping financial habits and attitudes towards money. Positive teachings about budgeting and saving can set a strong foundation for future financial behavior. Engaging with diverse groups, such as the Freedom Club, can help individuals become more comfortable with taking calculated risks, which is essential for building wealth and achieving personal goals. Young people are highly impressionable and absorb the behaviors and attitudes of their peers. Positive or negative influences can significantly affect their development and decision-making processes. It is important to consciously evaluate and choose the influences in your life. Recognizing the impact of external factors allows individuals to make informed decisions about their relationships and environments, ultimately leading to a more fulfilling life. BEST MOMENTS "Who do you surround yourself with? That's a thought-provoking question about the influences in our lives." "If we can choose carefully who we surround ourselves with, our mindsets can shift as a result of that." "Certain influences can drag you down. It's up to you to really see that and make the choice for yourself." "You can either choose to be a victim to those influences or you can make a different choice." "It's about having those nurturing, developing conversations. Sometimes the tough conversations can help you grow even more." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/on-the-money-2024 ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel, a financial and wealth coach, delves into the world of cryptocurrencies, emphasising her growing relevance in today's financial landscape. With a clear disclaimer that the discussion is based on personal experience rather than financial advice, Hazel explores the dichotomy between centralised and decentralised finance, highlighting the potential impact of central bank digital currencies (CBDCs). Drawing on personal anecdotes and lessons learned from their own investment journey, Hazel encourages listeners to educate themselves about cryptocurrencies and consider allocating a portion of their net worth to this evolving space. The episode underscores the importance of calculated risk-taking and the potential for significant financial opportunities, likening the current cryptocurrency landscape to the early days of the internet and the stock market. KEY TAKEAWAYS Understanding Cryptocurrencies: Cryptocurrencies are a significant and evolving part of the financial landscape, and it's essential to educate oneself about them, regardless of personal opinions or past experiences. Centralized vs. Decentralized Finance: There are two main camps in the cryptocurrency world: centralized finance, which is controlled by banks and exchanges, and decentralized finance, which offers transparency and control over transactions. Investment Strategy: It's advisable to allocate a small percentage (e.g., 5%) of your overall net worth to cryptocurrencies, treating it as a long-term investment rather than a get-rich-quick scheme. Learning from Experience: Engaging in the cryptocurrency market involves a learning curve, where one must navigate the highs and lows, take profits at the right time, and avoid overexposure to any single asset. The Importance of Taking Risks: The biggest risk in life is not taking any risks at all. Exploring opportunities in cryptocurrencies or other investments can lead to significant financial growth if approached with education and calculated risk.   VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel interviews Gavin Watson, who shares his inspiring journey to becoming a successful business strategist and consultant. After experiencing redundancy during the financial crash of 2008, Gavin reflects on the pivotal moments that led him to seek greater freedom and control over his life. He discusses the challenges he faced while transitioning into entrepreneurship, including the ups and downs of building multiple income streams and the importance of resilience. Gavin also highlights his passion for helping others, including his plans to launch a charity aimed at providing emergency accommodation for those in need.  KEY TAKEAWAYS The journey from a corporate role to running a business often stems from a desire for freedom and control over one's destiny. Experiencing redundancy can serve as a catalyst for individuals to pursue their passions and create alternative income streams. Facing challenges, such as a breakup or financial difficulties, can lead to significant personal growth. Recognizing one's resilience can empower individuals to navigate future obstacles with confidence and determination. Building strong relationships and rapport with others is crucial in both personal and professional settings. Listening and understanding others' needs can enhance collaboration and lead to successful outcomes. Freedom evolves over time; it shifts from the ability to travel and enjoy leisure to making impactful life choices that benefit not only oneself but also others. True freedom is about having the capacity to help and influence those around you positively. The rise of online bullying and negativity can deter individuals from sharing their voices. Understanding that hurtful comments often stem from the commenter's own issues can help individuals maintain their confidence and continue to express themselves authentically. BEST MOMENTS "I realized from then, because I was the first one in the office, the last one to leave... it doesn't matter what you do, if they need to get rid of you, you do then become a number at the end of the day." "I took £6,000 and I turned that into about £80,000 within the space of about sort of five, six months." "I want to try and build something to show that people do this because of issues in their own lives. It's not about you personally." "For me, freedom now is more about being able to help those around or being in a position that I can influence or do something that could make other people's life a little more free." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel shares her passion for the challenges faced by property owners, particularly in light of recent tax changes and interest rate hikes. Using a personal example of a six-bedroom Victorian HMO property in Sheffield, she discusses how her once profitable investment has turned into a financial burden due to the inability to offset mortgage interest against rental income and the impact of rising interest rates.   KEY TAKEAWAYS The introduction of Section 24 has significantly affected landlords by limiting the ability to deduct mortgage interest from taxable income, particularly impacting higher rate taxpayers.   A series of interest rate hikes over the past couple of years has transformed previously profitable properties into financial burdens, highlighting the importance of monitoring cash flow.   Regularly assessing the financial performance of rental properties is crucial. The example shared illustrates how a property that once generated positive cash flow can turn into a loss, necessitating a reevaluation of its viability.   Landlords facing negative cash flow have options, such as selling the property or refinancing to a fixed-rate mortgage, but each choice comes with its own set of challenges and considerations.   The exit of many landlords from the rental market has led to a decrease in available rental properties, contributing to rising rents and creating a challenging environment for both landlords and tenants.   BEST MOMENTS   “You know, we are a business at the end of the day, we are not a charity. And yes, we've had the heydays, we have had the high times, and now we're experiencing the lower times.”   “It just makes you wonder: Why are they creating this impossible situation for landlords? Literally landlords have been exiting the market in droves over the last few years. and you know that's why rents are going sky high, because the amount of supply of decent properties has gone massively down.”   “It seems like perhaps selling up, getting a decent chunk of money back and investing elsewhere is perhaps the better option at the moment.”   “If you do own property, make sure you're looking at the bottom line, not just the top line figure of what the rent is coming in minus various bits and pieces, expenses, what have you. Make sure that you're getting the real bottom line figures.”   VALUABLE RESOURCES   Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances...   https://www.the-freedom-club.com/on-the-money-2024   ABOUT THE HOST   Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.   She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent…   Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.   During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest.   CONTACT METHODS WebsiteInstagram    

Hazel dives into the "four A's formula," a simple yet powerful equation that captures the key elements of success: aptitude, attitude, and action. When combined, these three factors can elevate your "altitude" or level of achievement. Hazel shares a heartfelt story about discovering her musical aptitude as a child, which sparked a thriving career as a classical musician and music teacher. She then applies the same formula to her journey in the property market, showing how these principles can create exponential growth and success in different areas of life. This episode is both a motivational and practical guide, encouraging listeners to embrace the formula and reach new heights in their own pursuits. KEY TAKEAWAYS The Four A's formula consists of aptitude, attitude, and action, which together determine one's altitude of success. Aptitude refers to one's natural talent or skill in a particular area, such as music in the example provided. Attitude plays a crucial role in success, as a positive mindset and willingness to practice and improve can lead to significant achievements. Taking action towards one's goals is essential for success, as demonstrated by the speaker's journey from playing music to pursuing a career in property. By applying the Four A's formula to various aspects of life, individuals can potentially experience exponential growth and achieve desired results. BEST MOMENTS "It's your aptitude times your attitude times your action that equals your altitude." "I was good at music as a young child... I learned to play by ear... I was developing my aptitude for music." "I took serious action towards my dreams... I wanted to be first bassoon in the Royal Philharmonic Orchestra." "When we take our aptitude for something and we multiply it by the attitude we have towards it, and we multitude that by the action that we take, it equals the altitude, the degree of success that we achieve." "Because what I'm about is all about expansion and creating wealth and creating abundance, I just thought this was quite a nice little idea formula for you to apply to your life."   VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/on-the-money-2024   ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel discusses the power of making small financial tweaks that can have a significant impact on one's long-term financial future. She illustrates how simple decisions, such as moving money to a higher interest account or practising pound cost averaging, can lead to substantial financial growth over time. Hazel also highlights the potential of leveraging time and consistent investments to build wealth, citing examples of property investments that yielded impressive returns.   KEY TAKEAWAYS Making small tweaks or decisions in your finances can have a massive impact in the long term. Utilizing the power of time along with your money can help create a small fortune over time. Examples such as moving money to higher interest accounts, pound cost averaging investments, and strategic property purchases showcase the potential for significant financial growth. Consistency, commitment, and creativity in financial decisions can lead to substantial gains over time. Joining a community like the Freedom Club can provide support and guidance in achieving financial and lifestyle freedom through strategic financial decisions.   BEST MOMENTS   "Pound cost averaging is one of the best forms of making your money grow over the long term."   "This is basically free money that we've had from one decision that we made way back when."   “The total value that we have had from this property in terms of the capital growth we've had and the cash flow has been £159,200 from one property that we bought with none of our own money.”   "What is the one small step that you could take that you could commit to in terms of tweaking your finances to create this potential fortune down the line for yourself?"   VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances...   https://www.the-freedom-club.com/on-the-money-2024    ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest.   CONTACT METHODS Website Instagram

In this episode, Hazel delves into the true meaning of wealth beyond its conventional definition of monetary and material possessions. By exploring the origins of the word "wealth," Hazel uncovers its ancient roots in well-being, welfare, and happiness. The episode emphasizes the importance of defining wealth for oneself and reclaiming its original, broader meaning. Through a thought-provoking story about a Mexican fisherman, Hazel illustrates that true wealth lies in finding joy and fulfillment in everyday activities, rather than in the accumulation of material wealth.  KEY TAKEAWAYS The word "wealth" has a much broader meaning than just monetary and material possessions, originally encompassing well-being, welfare, and happiness. The modern-day dictionary definition of wealth includes an abundance of valuable possessions or money, but it can also refer to an inner abundance of talent or a quality of profuse abundance. The podcast explores the idea of reclaiming the original, broader meaning of wealth to include aspects like well-being, health, and happiness, beyond just material possessions. The story of the Mexican fisherman illustrates that true wealth can be found in enjoying what you do, spending time with loved ones, and feeling content with one's current situation, rather than constantly seeking more material wealth. The message encourages listeners to define their own version of wealth, focusing on what brings them joy, love, and happiness, and to incorporate that into their everyday lives. BEST MOMENTS "The truth about wealth is that if we don't define it for ourselves, then other people will define it for us." "Wouldn't it be amazing to start living in a way that wealth meant so much more than just the stuff that we can accumulate over the course of our lifetimes?" "I think that's just a beautiful little story which illustrates exactly the idea that even what you're doing right now, if you're loving what you're doing and you have the ability to share that love and for it to bring about abundance in your life somehow, that you don't need masses of riches to feel that way." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/on-the-money-2024 ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In today's episode, Hazel discusses the allure of flashy material possessions versus the importance of focusing on financial freedom and cash flow. Through anecdotes about property investments and the realization of prioritizing cash flow over flashy assets, she considers the significance of aligning personal goals with what truly matters.  KEY TAKEAWAYS Focus on cash flow over material possessions: Prioritize building cash flow that can set you free from financial constraints rather than chasing flashy items like big houses and fancy cars. Practice delayed gratification: Make conscious choices to invest in income-generating assets before indulging in luxury items, allowing for long-term financial freedom. Align head, heart, and gut: Conduct thorough research (head), identify what you love and excel at (heart), and trust your intuition (gut) to choose the right wealth-building strategy. Shift goals as priorities change: Allow your goals to evolve over time, aligning with what truly matters to you and adapting to new circumstances. Strive for personal growth and impact: Aim to be the best version of yourself, prioritize what is important to you, and set an example for those around you while pursuing financial freedom. BEST MOMENTS "I found that it can be quite dangerous to keep up with the Joneses, to see somebody else and think, yeah, I wanna be like them, I wanna have the things that they have. In this country, we seem to be a little bit obsessed with comparison." "There are definitely people out there who have achieved the level of success that they portray, but it comes down to a level of research." "Delayed gratification is one of the most important things that you can do in your wealth journey." "The most important thing is to live the way that you want, to be concentrating on the things that are most important to you." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/on-the-money-2024 ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel delves into the topic of self-sufficiency inspired by a conversation with her son's girlfriend. Hazel reflects on her own experiences of being self-sufficient from a young age, sharing a personal story of traveling to music college in London every Saturday as a teenager. She emphasizes the importance of self-reliance in achieving goals and building wealth, drawing parallels to her husband's similar journey. Hazel encourages listeners to take the first steps towards financial self-sufficiency by filling in a financial spreadsheet provided in the episode. Through personal anecdotes and practical advice, Hazel highlights the transformative power of self-sufficiency in shaping one's life and invites listeners to embark on their own journey towards independence and success. KEY TAKEAWAYS Self-sufficiency and self-reliance are crucial for personal growth and success. Being self-sufficient requires discipline, organization, and the ability to navigate challenges independently. Taking initiative and making things happen for oneself is essential in achieving goals. Appreciating support from others becomes more profound when one has experienced self-sufficiency. Starting with small steps, such as filling in a financial spreadsheet, can lead to significant progress towards self-sufficiency in various aspects of life. BEST MOMENTS "I had to get everywhere under my own steam. That's what I was taught when I was young." "It taught me discipline. This taught me that I had to get places under my own steam." "It made him realize that you've got to have your own back. You've got to find your own way."  "It's imperative that you become self-sufficient and self-reliant and be able to pull on that resource." "You take those first steps and everything comes rushing in to help you." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In today's episode, Angus Blackburn, an accounting professional living in Chile, shares his journey towards financial freedom and personal development. Angus shares with Hazel how he initially sought financial freedom but quickly realised the importance of identifying his purpose and values in life. Through his involvement in the Freedom Club community, Angus found a balance between financial discipline and personal growth, leading to a more relaxed and content mindset.    KEY TAKEAWAYS Angus initially sought financial freedom but quickly realized the importance of personal development and exploring his purpose and values in life.   Through the Freedom Club, he learned to take a balanced view of all aspects of his life, leading to contentment and success.   Angus has benefited from both one-on-one sessions and group interactions within the Freedom Club, finding value in the deep, quality conversations and diverse perspectives.   His understanding of wealth has evolved to encompass not just financial security but also relationships, personal health, and leisure, emphasizing the importance of balance in all aspects of life. BEST MOMENTS "Trust the fact that if you put the work in, if you get clarity on what your underlying values and objectives and purpose is, and then work hard and be dedicated to one's causes, then there's really very little to worry about."   “I would say wealth used to mean financial wealth. I mean, I would never really have thought about wealth having a definition beyond that in the financial sense previously."   "I think finding a balanced position and moving forward, living your life in that balanced way is the number one lesson that the Freedom Club has taught me so far."   “We live in a a mostly financial capitalist world where having money is a requirement and having a good degree of financial security can certainly help improve one's overall wealth. But actually, it probably doesn't mean that much if other aspects of one's wealth are in deficit.”   VALUABLE RESOURCES   Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances...   https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page  https://www.the-freedom-club.com/on-the-money-2024 ABOUT THE HOST   Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.    She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent…   Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.    During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest.   CONTACT METHODS   Website Instagram

You're seeking new ways to create true wealth and more time freedom in your life. We get it! If this describes you, you're in the right place… Join us each week for wealth-creation wisdom, new and innovative investing insights, and inspired ways to help you realise more financial and lifestyle freedom alongside your busy career or business (or perhaps just 'life' here?), with our dedicated and experienced ‘Wealth Whisperer', Hazel de Kloe. If you want to truly break free from the everyday grind (who doesn't?!) and live a life of purpose, passion and freedom, this show is for you! Do you have a deep interest in all matters related to living a free, joyous and inspired life? Then listen in to explore your own journey towards true, personal, freedom. KEY TAKEAWAYS Good debt is borrowings you must allow you to buy other things that bring money into your pocket. For example, rental property; you buy a property with a mortgage & the rent is set above the mortgage payment so it's bringing money into your pocket.  Bad debt takes money out of your pocket, such as putting your holiday on a credit card, or you have a card payment to make, or you have a store card which you've racked up & you're having to pay out each month. Make a list of all the debts you have, how much you own & to whom you owe it, the interest rates that you're paying, the monthly payments, & their due dates. Figure out the highest interest rates that you're paying – these are usually store credit cards & payday loans – & see if you can negotiate a lower interest rate. You may be able to switch provider or consolidate them into one bigger loan with one lender, one payment for less interest. Make sure you pay the minimum payments on them all and set up direct debits for them all, so you never miss a payment & your credit score won't get affected. Once you have money left over & you can afford to pay more, begin paying extra lump sums off the highest interest rate debt to bring it down quicker. BEST MOMENTS ‘To become a really good manager of debt you need to know your credit score.' ‘If you don't learn how to manage your debt responsibly it can easily spiral out of control.' ‘Look for the lowest cost of borrowings that you possibly can, this will usually be over a longer time.' ‘Become super responsible with handling debt, the more responsible you can be handling debt the more you're going to be given to work with. This is an empowering position to be in.' VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page  https://www.the-freedom-club.com/on-the-money-2024 ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

You're seeking new ways to create true wealth and more time freedom in your life. We get it! If this describes you, you're in the right place… Join us each week for wealth-creation wisdom, new and innovative investing insights, and inspired ways to help you realise more financial and lifestyle freedom alongside your busy career or business (or perhaps just 'life' here?), with our dedicated and experienced ‘Wealth Whisperer', Hazel de Kloe. If you want to truly break free from the everyday grind (who doesn't?!) and live a life of purpose, passion and freedom, this show is for you! Do you have a deep interest in all matters related to living a free, joyous and inspired life? Then listen in to explore your own journey towards true, personal, freedom. KEY TAKEAWAYS To be truly wealthy in mind, body, and your back pocket you must learn to follow your bliss in life. Who wants to wake up numb and going through the same motions each day. It's all about making small changes in your life to get the things that you want and have the life you would like.  The more you do work and activities in your life that fill you up the more you're going to be able to receive and give to others that same feeling in a similar way. The more you do these things and bring a level of awareness to these things is when you'll start to live a truly wealthy life, when you do these opportunities and synchronicities will start appearing that would not have been there if you'd stayed in a state of misery/discomfort/unhappiness. What's the common thread of joy in your life, what are you passionate about, what do you really enjoy? Is it seeing others happy, taking pride in your work, feeling a sense of fulfilment & achievement in what you do? What about it makes you feel like that? Typically, people who are truly successful do this without even thinking about it. BEST MOMENTS ‘You're never going to be wealthy doing something that you hate, makes you feel bad or like you're on a hamster wheel, find something that you enjoy and start from there.' ‘Following your bill is going to be the common theme to doors opening & opportunities presenting themselves & you being able to really discover what your wealthy life looks like.' ‘Don't confuse this with being rich, being rich and being wealthy are two completely different things.' VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page  ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel shares quick money-making tips for those looking to kickstart their journey towards financial freedom. She provides a variety of practical suggestions, ranging from utilising cashback offers and checking for entitlements to renting out a room in your home or starting a side hustle. Hazel emphasises the potential for anyone, regardless of their current financial situation, to start building wealth by exploring different avenues for earning extra income. Her engaging and informative tips offer listeners inspiration and actionable steps to begin growing their financial resources. KEY TAKEAWAYS Quick money-making tips were shared to help individuals start their journey towards financial freedom. Various methods such as cashback offers, benefits entitlements, and providing lodgings in one's home were suggested to earn extra cash. Online opportunities like selling unwanted items, participating in market research, and affiliate marketing were highlighted as potential income sources. Turning hobbies or skills into a side hustle, such as tutoring, selling merchandise, or offering services like gardening or babysitting, can also generate additional income. Work-related quick fixes like overtime, asking for a pay raise, or taking on part-time work were recommended to boost monthly earnings. BEST MOMENTS "I sometimes get people come to me and say, Hazel, I would love to start my journey towards financial freedom. However, I don't have much left at the end of each month to start working with." "You could also potentially take in foreign exchange students for a short period of time, maybe a week, maybe a couple of weeks or a month. And again, get paid for that." "My mother was the absolute queen of this. She turned her hand to a number of different things. She was pretty skilled and very arty, and so she turned her passion for cooking into doing cookery courses for a period of years." "There really is no excuse to actually start making yourself an extra bit of cash so that you can put that towards your own financial freedom journey and you can, you know, build up a pot to work with." "Even if you have a pound, start with a pound and think of the different ways that you can increase that pound. How could you double it? What could you do? You know, it's just, it gets the juices flowing and it gives you inspiration as to what's possible when you start to see it accrue." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

You're seeking new ways to create true wealth and more time freedom in your life. We get it! If this describes you, you're in the right place… Join us each week for wealth-creation wisdom, new and innovative investing insights, and inspired ways to help you realise more financial and lifestyle freedom alongside your busy career or business (or perhaps just 'life' here?), with our dedicated and experienced ‘Wealth Whisperer', Hazel de Kloe. If you want to truly break free from the everyday grind (who doesn't?!) and live a life of purpose, passion and freedom, this show is for you! Do you have a deep interest in all matters related to living a free, joyous and inspired life? Then listen in to explore your own journey towards true, personal, freedom. KEY TAKEAWAYS Start to manage your finances: Know what's coming in and, more importantly, what's going out. Once you've determined how much is going out you can start to know and understand what you're working towards. Learn to manage your debt well: Know and understand what your credit score is, it's very likely that you're going to need to play the game and take out credit to help you along the way as it will benefit you to do so. Know and understand what your debts are, have a list of them, figure out the most expensive ones and pay them off first or negotiate the rates. Learn how to negotiate: This can be one of the most powerful tools in your financial freedom box. Start of haggling on the little things and then apply this to the bigger things. You can save yourself a literal fortune over time. Learn about investing and generating passive income: Categorically, I can say, without fail, no matter how nig your salary is, you will never earn as much as you can make by investing well.  BEST MOMENTS ‘Have a clear goal in mind: Resistance is created through a lack of clarity.' ‘Learn how to budget, it helps you to live within your means and as frugally as you can afford to.' ‘Save as much as you possibly can.' ‘Take full responsibility for your finances. No one else will ever have your best interests at heart than you.' VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page  ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

You're seeking new ways to create true wealth and more time freedom in your life. We get it! If this describes you, you're in the right place… Join us each week for wealth-creation wisdom, new and innovative investing insights, and inspired ways to help you realise more financial and lifestyle freedom alongside your busy career or business (or perhaps just 'life' here?), with our dedicated and experienced ‘Wealth Whisperer', Hazel de Kloe. If you want to truly break free from the everyday grind (who doesn't?!) and live a life of purpose, passion and freedom, this show is for you! Do you have a deep interest in all matters related to living a free, joyous and inspired life? Then listen in to explore your own journey towards true, personal, freedom. KEY TAKEAWAYS Talking about money is such a big subject and is quite taboo in some cultures. Why is that? Maybe it's time to break the spell/myth about talking about money. It's such a fundamental part of our society, it should be talked about at school, in society in general & even at home with our nearest and dearest. My parents talked to me about money and their struggles with it when I was young. This gave me a good, healthy relationship with understanding what it took to have money coming in, why it was important to manage where it was going out & how they could work with what they had to save and do what they wanted to do with it. Are we just sent to school to be churned out to be good employees or money-makers for the taxman/government/anyone else who wants a piece of us? How often are we shown how to make it work for us? BEST MOMENTS ‘Why, as a society, have we not been encouraged to talk about money/finance and how to work with it? Why is it not one of the major topics in the education system? It should be.' ‘When was the last time you have a really great conversation about money? How much you could earn, what you could do to improve your situation and grow your wealth.' ‘Tax Freedom Day is around the end of May, meaning that for the first 5 months of the year you are paying your entire salary towards taxes. That's insane! What's it being spent on?'   VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

You're seeking new ways to create true wealth and more time freedom in your life. We get it! If this describes you, you're in the right place… Join us each week for wealth-creation wisdom, new and innovative investing insights, and inspired ways to help you realise more financial and lifestyle freedom alongside your busy career or business (or perhaps just 'life' here?), with our dedicated and experienced ‘Wealth Whisperer', Hazel de Kloe. If you want to truly break free from the everyday grind (who doesn't?!) and live a life of purpose, passion and freedom, this show is for you! Do you have a deep interest in all matters related to living a free, joyous and inspired life? Then listen in to explore your own journey towards true, personal, freedom. KEY TAKEAWAYS Rather than talk about switching utilities, mobile phone contracts & checking your insurance renewals, I want to share with you the more unusual ways to save money and make your cash go further each month. The coffee story comes from my husband, you average 1 coffee a day which costs around £4. If you add that up over the course of a year, that comes to £1,460. What if you had a nice machine so you could have your coffee at home? Each pod costs 50p, that's an eighth of the cost which is £182 per year. That's a heck of a saving. What other items do you buy each and every day that you could apply this to? If you can get good at haggling on small items, like clothing from an independent boutique or antiques shop you can start to develop your skills in terms of the bigger purchases in life. You can negotiate with some of the larger stores as well, certainly if you're buying a car or holiday. BEST MOMENTS ‘When shopping for big purchases (white goods/furniture/holiday/car) wait for the sales, don't impulse purchase, shop around.' ‘Shop around on your debt (credit cards/loans/mortgages) see if you can switch to a better deal.' ‘Be careful with spending by touchless with your phone, it's too easy to make purchases easily. This applies to subscriptions – which do you need, use & want, get rid of the rest.'   VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

You're seeking new ways to create true wealth and more time freedom in your life. We get it! If this describes you, you're in the right place… Join us each week for wealth-creation wisdom, new and innovative investing insights, and inspired ways to help you realise more financial and lifestyle freedom alongside your busy career or business (or perhaps just 'life' here?), with our dedicated and experienced ‘Wealth Whisperer', Hazel de Kloe. If you want to truly break free from the everyday grind (who doesn't?!) and live a life of purpose, passion and freedom, this show is for you! Do you have a deep interest in all matters related to living a free, joyous and inspired life? Then listen in to explore your own journey towards true, personal, freedom. KEY TAKEAWAYS Apportioning is simply allocating your funds, the spare cashflow that you have at the end of each month in a very specific way. If you have a spare £100-£1,000 a month, this episode is definitely for you. Divide your cashflow up into separate pots so the money is split between all those items you're saving up for, such as becoming financially free, a rainy day/emergency fund, travel/holiday fund, a fun account, or even a giveaway/donation fund.  BEST MOMENTS ‘Find a bank like Monzo that allows you to set up pots to save for specific things.' ‘Having a ‘fun' account will really exercise your money muscle in terms of spending.'   VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

You're seeking new ways to create true wealth and more time freedom in your life. We get it! If this describes you, you're in the right place… Join us each week for wealth-creation wisdom, new and innovative investing insights, and inspired ways to help you realise more financial and lifestyle freedom alongside your busy career or business (or perhaps just 'life' here?), with our dedicated and experienced ‘Wealth Whisperer', Hazel de Kloe. If you want to truly break free from the everyday grind (who doesn't?!) and live a life of purpose, passion and freedom, this show is for you! Do you have a deep interest in all matters related to living a free, joyous and inspired life? Then listen in to explore your own journey towards true, personal, freedom. KEY TAKEAWAYS It was truly liberating when my husband and I became financially free. We'd got to the point where our passive income from property was covering all our expenses & starting to build so we had more over & above our expenses so we could enjoy life. This meant we could move out of London to the south coast of Kent, by the sea which was a dream of mine. It meant the world to us. Think about how much you actually need to live on each month and how much would you really like to have coming in to flourish? This will be a considerably different figure. Living in our current economy, everything is expensive & basic running costs can easily be in the thousands, just have fun with the idea in the first instance; figure out where else you could live that is cheaper than where you are. If you were able to re-organise your life so you've got money coming in and you're able to relocate yourself and are able to switch to a more online version of what you're doing, and you want to work between 15-20 hours a week. What kind of business could your run or start to achieve that? BEST MOMENTS ‘It did take us over a decade to get to financial freedom, this may seem like a long way off and it was a lot of hard work, dedication and commitment.' ‘We took inspiration from the 4 Hour Work Week book by Tim Ferris, I highly recommend you get that book.' ‘How can you change this up in your world so that you can achieve this faster than we did?'   VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

You're seeking new ways to create true wealth and more time freedom in your life. We get it! If this describes you, you're in the right place… Join us each week for wealth-creation wisdom, new and innovative investing insights, and inspired ways to help you realise more financial and lifestyle freedom alongside your busy career or business (or perhaps just 'life' here?), with our dedicated and experienced ‘Wealth Whisperer', Hazel de Kloe. If you want to truly break free from the everyday grind (who doesn't?!) and live a life of purpose, passion and freedom, this show is for you! Do you have a deep interest in all matters related to living a free, joyous and inspired life? Then listen in to explore your own journey towards true, personal, freedom. KEY TAKEAWAYS Managing your money is the most important subjects when it comes to making the most of your finances & how to get a grip on where you're at right now and where you can make improvements. I've worked with hundreds of clients over the years and the ones that have the most money coming in have had the least amount of savings and the least clue as to what their financial life really looks like and vice versa. My boyfriend (now husband) and I started from the ground up, with nothing, and took small, steady steps to save and build our life and our wealth situation. It doesn't take an awful lot of income to make a difference in your life.  Most people know & have a good grip on what's coming in every month. They may have a salary & they know almost to the penny every month and they can run their lives from there. Some people have a better grip in budgeting, and they know what they need in order to live & function every month and how much there may or may not be left at the end of each month. But the vast majority don't necessarily know how much money is going out each month. BEST MOMENTS ‘It doesn't really matter if you have loads of money coming in or not very much, what matters is what you're doing with it.' ‘Just because you don't have a 6-figure salary doesn't mean you won't be financially wealth, that's a myth.' ‘Monthly expenses can change and vary, making it harder to keep track of. Itemise all the regular outgoings each month and bigger yearly expenses. When you take this away from your income you get your cashflow figure.' ‘An asset is simply something that puts money into your pocket and a liability is something that takes money out of your pocket.'   VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

You're seeking new ways to create true wealth and more time freedom in your life. We get it! If this describes you, you're in the right place… Join us each week for wealth-creation wisdom, new and innovative investing insights, and inspired ways to help you realise more financial and lifestyle freedom alongside your busy career or business (or perhaps just 'life' here?), with our dedicated and experienced ‘Wealth Whisperer', Hazel de Kloe. If you want to truly break free from the everyday grind (who doesn't?!) and live a life of purpose, passion and freedom, this show is for you! Do you have a deep interest in all matters related to living a free, joyous and inspired life? Then listen in to explore your own journey towards true, personal, freedom. KEY TAKEAWAYS When we talk or think about becoming financially free and building wealth, one of the first things we think about is the money. When my husband and I first started, it was about the money. It is important to dream big when you're starting out on this journey. However, I've found along the way that money is not the be all and end all. I wondered why some people were more successful than others at achieving their goals, especially financially. My lightbulb moment came when I realised that the most successful people weren't chasing the money, they were the ones who knew 100% what it was that they wanted inside, and they were following that. The mistake people make is that they think that having the thing, circumstance or situation in their life as a result of becoming financially independent is going to make them feel that way when they get there. If you want to feel a certain way when you have those things, it's actually about feeling those things NOW to help you build your life and financial freedom on that basis. If you don't build your dream in this way and you're stressing out or getting worried or finding it hard, then the journey is going to be stressful, hard and you're not going to enjoy it as much, nor will you enjoy the final result. BEST MOMENTS ‘What's your ‘why'? The reason behind why you want to become financially free or build wealth for yourself… or both?' ‘I didn't want to have to work or do a job that I didn't want to do or become beholden to anybody else.' ‘There's always a feeling you're looking for, not an object/situation/circumstance. Think about that feeling and write down at least 10 things that already make you feel that way.' ‘It's always about the journey, not the destination.'   VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn't JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfill this quest.