Women & Money Cafe Julie Flynn

We're busy planning our next batch of episodes for you. So do let us know if you have any requests.

In the meantime, over the coming weeks, each of the hosts is going to be sharing one of their favourite episodes. 

This week it's one of our very early episodes, 21. I've got £10k what should I do with it.

The great thing about this show was that the principles we apply work whatever sum of money you have. If £1,000 has just landed in your bank account you weren't expecting, or if it's £100,000. Have a listen for the steps we suggest you follow.

One thing to note, this was originally recorded back in 2022. Back then interest rates were a lot lower than they are today in 2024. So it is definitely worth shopping around for bank interest rates. I'm going to caveat that though, the purpose of money held in the bank is not to make money, the main purpose is that it's money you can get your hands on quickly with no risk of value going up and down.


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✅ And if you enjoyed the show, please leave us a review.

We genuinely love hearing your questions and feedback.

So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

We're busy planning our next batch of episodes for you. So do let us know if you have any requests.

In the meantime, over the coming weeks, each of the hosts is going to be sharing one of their favourite episodes. 

It's Julie's turn this week and her favourite was 51. The Secrets of Financial Coaching. 

This episode is packed full of tips on how to understand your behaviour around money. And more importantly, how you can change any of those behaviours that don't serve you as well as you would like.


Support the Show.
✅ And if you enjoyed the show, please leave us a review.

We genuinely love hearing your questions and feedback.

So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

We're busy planning our next batch of episodes for you. So do let us know if you have any requests.

In the meantime, over the coming weeks, each of the hosts is going to be sharing one of their favourite episodes. 

It's Michelle up this week, and her favourite was 67. Beating Lifestyle Inflation.

We look into what and how we end up with lifestyle creep. And more importantly, how to beat it!
Support the Show.
✅ And if you enjoyed the show, please leave us a review.

We genuinely love hearing your questions and feedback.

So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

We've been getting a lot of messages to the WMC HQ about pensions. So we thought it would be timely to revisit episode 53, where Julie, Michelle and Sara walked you through what your next steps are.


Some of the things we cover:
How to find a financial adviserWhat happens in the first meetingWhat to bring with you to the meetingWhat we’re looking at in the paperworkHow we will explain your pensions to youWhat happens at the end of the meetingResources:
Pension Wise
Pension Tracing Service
VouchedFor
Unbiased
Support the Show.
✅ And if you enjoyed the show, please leave us a review.

We genuinely love hearing your questions and feedback.

So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

Get ready to level up your career game in this episode of Women & Money Cafe, as we dive into the nitty-gritty of job offers and benefits. From company culture to pension plans, no stone is left unturned! Here's what you can expect:

- Michelle's advice on gauging company culture and work-life balance
- Emily's insights on aligning personal and company values and considering sustainable initiatives
- Julie's discussion on company policies, unique benefits, and work-life balance
- Tips on evaluating job offers' impact on personal life and envisioning career aspirations
- The significance of team dynamics and professional development opportunities
- Important considerations like promised benefits in writing, long-term career goals, and thorough analysis of offer details.
- The lowdown on financial aspects, including pensions, bonuses, holidays, private medical insurance, and more
- The crucial role of mental health support and additional benefits like counseling programs
- Real-life examples and experiences, from pension pitfalls to negotiating for better benefits
- Key resources mentioned throughout the episode for further research and guidance

Websites mentioned:
- B Corporation (https://bcorporation.net/)
- Glassdoor (https://www.glassdoor.com/)

YOUR HOST
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram

CO-HOSTS
Emily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.

Michelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach.

Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook
Support the Show.
✅ And if you enjoyed the show, please leave us a review.

We genuinely love hearing your questions and feedback.

So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

Prepare for a dive into a rapid-fire checklist for the end of the tax year. Get ready for crucial tax-saving tips and insights that will set you on a path to financial empowerment.
Areas covered:
- ISA Allowance: Understanding the current £20,000 allowance and making the most of it for tax-free growth and earnings.
- Capital Gains Tax Allowance: Exploring the shrinking annual allowance and strategies to capitalise on it before it drops to £3,000.
- Pensions: Unveiling the tax efficiency of pensions, contribution limits, and the benefits of using the pension wrapper.
- Child Benefit: Clever tactics involving pensions, salary sacrifice, and charitable giving to retain child benefit entitlement.
- Inheritance Tax: Uncovering the power of the annual £3,000 gift exemption and its cumulative impact on estate planning.
- HMRC website: Find a downloadable form for keeping track of your gifts for inheritance tax planning.

 
Your Hosts:
Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
Ebb & Flow Financial Coaching | Bree Wealth & Tax | Instagram

CO-HOSTS
Emily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values.

Michelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. 
Sara Walker is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives.

Jennifer O'Neil is a mortgage and protection specialist and director of Athena Mortgages. Having been in the industry since 2014 Jennifer decided to set up a company in 2020 that suited her core values as a broker – integrity, service, honesty and continuous improvement.
LinkedIn | Instagram | Facebook
Support the Show.
✅ And if you enjoyed the show, please leave us a review.

We genuinely love hearing your questions and feedback.

So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.