My Happy Money Journey with Phoebe Blamey

S3_International Womens Day BONUS EPISODE

Happy International Women's Day! Today, we're diving deep into how money can truly empower us as women. Many of us carry fears around finance, but it's time to step out of scarcity and into our financial power. Money isn't just currency; it's freedom, choice, and independence.
Phoebe shares her personal insights, including powerful stories from her own family, highlighting the dangers of financial dependency. She busts myths about women's investment abilities, revealing surprising truths—women investors consistently outperform men due to their patience and long-term strategic thinking.
You'll learn about accessible, low-maintenance investment strategies, like Exchange Traded Funds (ETFs), and practical tips to begin your financial education journey. We also discuss overcoming the gender investment gap and taking control of your financial worth in both careers and personal life.
Tune in to discover:
Why money is crucial to personal empowerment and freedom.
Practical advice on simple investment strategies like ETFs.
How to confidently negotiate your worth at work.
Steps to break free from financial dependency.
Remember, financial independence is your path to freedom. It's your life—make it rich in every way possible.
Connect with us:
Join our Facebook community of empowered women.
Follow, share your thoughts, and keep the conversation going!
Happy International Women’s Day—let's celebrate by stepping boldly into our financial strength.

S3_E17 Three life changing lessons from Financial Feb Fast

Have you ever wondered where your money really goes? Or felt like your finances could use a serious reset? That’s exactly what Financial FebFast was all about, and in this episode, I’m sharing the biggest lessons learned—so you can take action and transform your spending habits today!
For a month, I went live daily, sharing insights, answering questions, and testing real strategies to help you take control of your money. And from those discussions, three powerful themes emerged:
Know where your money goes – You’ll be shocked at how much those little transactions add up. I’ll show you a simple exercise to track every dollar.
Get organized – Managing money doesn’t have to be overwhelming. I’ll walk you through a smart, stress-free system to budget without feeling restricted.
Use gratitude to control spending – The secret to spending less? It’s not just about willpower—it’s about mindset. I’ll explain how gratitude can help you stop impulse spending for good.
Don’t miss this episode—it’s packed with practical steps to help you reset your spending, get organized, and feel good about your finances. Plus, stick around for details on my free 30-Day Spend Cleanse Daily Tip Sheet and an exclusive discount on the full Spend Cleanse Program!
Resources & Links:
Download the 30-Day Spend Cleanse Daily Tip Sheet and worksheet here 
Watch all my Financial FebFast lives on our YouTube playlist
Join the Spend Cleanse Program with 25% off using code Thrive25

S3_E16 part 3 The Happy Sales Journey with Frances Pratt

Leaving a secure, high-paid sales career to start your own business is both exciting and terrifying. In this episode, I sit down with Frances Pratt, sales expert and author of More Sales, Less Marketing, to discuss how she transitioned from a successful commission-based sales role to launching her own business. She shares the tough decisions, the unexpected challenges, and the lessons she learned along the way.
What You’ll Learn in This Episode:✔️ The reality of leaving a high-paying sales job to start a business✔️ Why making yourself redundant can be the best move for your career✔️ How to find and validate your next business idea✔️ Why selling isn’t just about closing deals—it’s about relationships
Key Quote:"You can’t see what you can’t see. But someone else can come in and almost see it immediately." – Frances Pratt
Resources & Links:🔗 Frances Pratt’s book More Sales, Less Marketing 🔗 Connect with Frances: https://www.metisan.com.au/🔗 Follow Frances on Linked In: https://www.linkedin.com/in/franpratt/
🎧 Listen Now!

S3_E16 part 2 More Sales Less Marketing with Frances Pratt

"Marketing without sales is just noise. Sell first, market later." – Frances Pratt
Are you spending too much time on marketing and not enough on selling? Many business owners fall into the trap of focusing on branding, social media, and content—without actually making sales. In Part 3, Frances Pratt explains why sales should come first and how to make marketing work for you, not against you.
What You’ll Learn in This Episode:✔️ Why many entrepreneurs focus too much on marketing—and what to do instead✔️ The difference between selling and marketing (and why both matter)✔️ How to test your offer before investing in big marketing campaigns✔️ How to align sales and marketing for long-term business success
 
Resources & Links:🔗 Frances Pratt’s book More Sales, Less Marketing Link to Amazon 🔗 Work with Frances: https://www.metisan.com.au/🔗 Free sales training: https://www.metisan.com.au/resources
🎧 Listen Now!

S3_E16 part 1 Sales as a life skill with Frances Pratt

Do you hesitate when stating your price? Fear rejection when asking for the sale? You’re not alone. In Part 1 of our conversation, Frances Pratt reveals why so many of us struggle with selling—and how to shift your mindset to make sales feel easy, natural, and empowering.
What You’ll Learn in This Episode:✔️ Why selling isn’t about convincing—it’s about guiding✔️ How to reframe objections as buying signals✔️ The power of confidence in pricing your services✔️ Why selling is more about listening than speaking
Key Quote:"Handling objections is the worst term. You handle a snake. A question means someone is considering buying from you." – Frances Pratt
Resources & Links:🔗 Frances Pratt’s book More Sales, Less Marketing link here🔗 Work with Frances: https://www.metisan.com.au/🔗 Join the conversation
🎧 Listen Now!

S3 E15 From fear to fabulous in three money moves

💰 Do you ever get to the end of a pay cycle and realize you have nothing left—right before a bill arrives? It’s frustrating, stressful, and can make you feel like you’ll never get ahead. I’ve been there! Seriously!
In this episode of My Happy Money Journey, I’m sharing the three money moves that completely transformed my financial life.
✅ The Two-Account System – A simple setup that stops accidental overspending and gives you guilt-free spending money.✅ Investing Over Saving – Why relying on savings alone is keeping you stuck and how to start investing with minimal effort.✅ The Cash Cushion Strategy – How to prepare for life’s unexpected expenses without stressing or using credit.
These three moves took me from financial stress to security and confidence—without overcomplicating things (because who's got time for that).
Resources & Links Mentioned in This Episode:
🔹 Entourage Finance & Property – Our sponsor for today’s episode. Find out how they can help you grow your wealth through property: www.entourage.com.au
🔹 The Australian Finance Podcast – A great resource to learn more about investing: www.raskmedia.com.au/the-australian-finance-podcast
🔹 ATO (Australian Tax Office) Guide on Investing & Tax Implications – Make sure you understand how tax applies to investments: www.ato.gov.au/investing
🔹 Phoebe Blamey’s Website – Check out my courses, sign up for the newsletter, and get more money management resources: www.phoebeblamey.com.au
Join the Conversation:
I’d love to hear your thoughts on this episode! Comment below, share your experience, or let me know which of these three money moves you’re going to try first.
If you found this episode helpful, share it with a friend who needs to hear it.
Let’s break the cycle of financial stress together.
💡 Subscribe to My Happy Money Journey: Never miss an episode—hit subscribe on your favorite podcast platform and follow along on your financial transformation!
🎧 Listen Now

S3_E14 Funding your Dreams with Sarah Ingram from Entourage

What if financing wasn’t overwhelming but actually empowering? In this episode, we’re diving deep into asset finance, debt consolidation, and business lending with Sarah Ingram, a highly qualified finance expert with over 10 years in the finance industry and 15 years in client management.
Sarah has built her career on helping people and businesses find the best financial solutions—whether it’s securing funding for essential equipment, upgrading to a reliable car, or consolidating debt.
What You’ll Learn in This Episode:
✅ What is asset finance? It’s more than just cars—think trucks, medical equipment, office fit-outs, and more.✅ Debt consolidation myths: Is a personal loan really a bad option? Sarah breaks it down.✅ Business finance for women: Why women tend to be more risk-averse in business—and how we can change that.✅ The power of perception: How the car you drive (yes, really!) can impact your confidence and even your business success.✅ Avoiding finance traps: What to watch out for when taking out a loan, and why asking questions is your financial superpower.
Meet Sarah Ingram
Sarah’s journey into finance started with a love of cars (thanks to a little influence from her dad!) and evolved into a passion for helping people navigate the financial world with confidence. Sarah has a Bachelor of Business (International Business & Economics), an Advanced Diploma of Business (International Business), and a Certificate IV in Finance,
She believes that finance shouldn’t be intimidating—whether you’re buying a new car, financing a major business purchase, or consolidating debt, there’s always a solution that fits your needs.
Sarah works with over 25 lenders, ensuring that her clients have access to the best finance options available. She is known for her exceptional client service, deep industry knowledge, and ability to create tailored solutions that truly make a difference.
Listen Because
Sarah has a unique ability to make finance feel safe and approachable, especially for women navigating big financial decisions. From helping a client get out of debt and into a more affordable car to working with business owners who are confused about borrowing options, Sarah shares practical strategies that can help you move forward with confidence.
Whether you’re thinking about financing a car, growing your business, or just want to understand your options better, this episode is a must-listen.
Connect with Sarah
Sarah is known for her personalised approach to finance, and she’s happy to answer any questions. Get in touch with her at https://entourage.com.au/service-category/asset-finance/
🎧 Listen now and take control of your financial future!
 

S3_E13 Financial Feb Fast - how to clean up your spending NOW!

Financial FebFast: A Spend Cleanse for a Mindful Money Reset
thank you to our sponsors at Entourage: https://entourage.com.au/
Ever wonder where your money disappears each month? Struggling with rising costs and wanting to break free from impulse spending?
In this episode, I’m sharing my journey through Financial FebFast, a simple but powerful spend cleanse designed to reset your money habits.
Think of it like a juice fast for your finances—not about restriction, but about cutting out spending habits that no longer serve you and making space for what truly brings joy. Inspired by the "Buy Nothing New" challenge nearly a decade ago, this has now become an annual tradition—and this year, I’m inviting you to join us.
A spend cleanse is the perfect financial reset, and I’ll guide you through:
✔ Setting a timeframe that works for you✔ Defining what’s essential vs. what’s just a habit✔ Identifying and tackling your spending triggers✔ Finding creative, free alternatives to spending✔ Tracking your progress and reflecting on what truly matters
This isn’t about deprivation—it’s about intentionality. If you’re ready to spend smarter, save more, and find joy in what you already have, let’s do this together!
🔹 Listen now and take the first step toward your financial reset!🔹 Download your free Spend Cleanse Worksheet & subscribe for more mindful money tips on the podcast & YouTube.
#MyHappyMoneyJourney #MindfulSpending #SpendCleanse #FinancialWellness

S3_E12 Unlocking financial confidence with Scott Malcolm

Let’s be real—talking about money can feel a bit…meh. But what if financial planning wasn’t about spreadsheets and sacrifices, but about designing a life that actually makes you happy? That’s exactly what we’re diving into with Scott Malcolm, founder of Money Mechanics, and all-around legend when it comes to making money conversations fun and meaningful.
In this episode of My Happy Money Journey, we chat about ditching rigid goals, understanding your financial values, and how to actually enjoy your money while planning for the future. Scott shares why so many of us are stuck in outdated money mindsets, and how small shifts can lead to massive breakthroughs.
What You’ll Learn in This Episode:🎯 Why your money mindset is just as important as your bank balance💡 How to break free from outdated financial habits❤️ The secret to making money decisions that align with your real-life priorities😎 Easy steps to start feeling financially confident today
No boring jargon. No guilt trips. Just real talk about money, values, and how to make it all work for you. Grab your favorite drink, tune in, and let’s make finance fun!
Download Your Free Money Conversation Cards!Looking for a way to start better money conversations? Grab our free printable Money Conversation Starter Cards and make financial discussions fun and insightful.Download Here https://www.happymoneyjourney.com.au/pl/2148300463
Connect with Scott Malcolm:Website: Money MechanicsInstagram: @moneymechanics

S3_E11 Thriving financially in 2025

In this episode of My Happy Money Journey, we’re stepping into the new year with intention and purpose. If unfulfilled resolutions have left you frustrated in the past, this episode will help you align your goals with your values and truly thrive in 2025.
Here’s what we’re covering:
Celebrating your wins: Why small victories matter and how they keep you on track.
Shopping with intention: Supporting local businesses and making impactful choices.
Getting financially organized: Avoid unnecessary stress by staying on top of your finances.
Mindful spending: My simple strategy to turn impulse buys into savings.
Aligning goals with values: Finding joy in what truly matters, from fitness to finances.
Plus, don’t miss the exciting Money Mindset Journey giveaway to kick-start your financial mindfulness journey. 
Let’s make 2025 the year we thrive together. Tune in now—link in the show notes!