My Happy Money Journey with Phoebe Blamey

S3_E25 Cash Cushion 101: How to Find Money FAST!

Ever been hit with an unexpected bill, a broken appliance, or a mini disaster that made you think, “How the hell am I going to afford this?” You are not alone—and you’re not powerless. In this episode, I’m diving into how to build a cash cushion that gives you peace of mind and power when life throws a curveball. We’re also getting into some clever, practical ways to find fast cash right now (no, not selling a kidney).
I’ll tell you exactly how I handled an Airbnb nightmare without panic—and why 10-years-ago-me would’ve completely lost it. You’ll walk away with the steps to build your own financial buffer, the confidence to face unexpected bills, and the tools to bounce back with ease when life gets messy.
This episode is sponsored by Entourage Finance and Property – helping Aussies grow wealth through smart home loan lending and expert advice.
In this episode you’ll learn:
What a cash cushion is (and what it’s not)
Real-life story of financial chaos and calm
7+ fast ways to find extra money
How to stop unexpected expenses from derailing you
Why using your cushion isn’t a fail—it’s the flex
Links and Resources:
Claim your unclaimed money: 
Contact these state government agencies to search for other forms of unclaimed money.
ACT: Public Trustee and Guardian for the ACT
New South Wales: Revenue NSW
Northern Territory: Northern Territory Treasury
Queensland: Public Trustee of Queensland
South Australia: SA Department of Treasury and Finance
Tasmania: Tasmanian Department of Treasury and Finance or phone (03) 6166 4188
Victoria: State Revenue Office Victoria
Western Australia: WA Department of Treasury
Learn more about Entourage: https://www.entourage.com.au
DM Phoebe with your Cash Cushion action on IG @phoebeblamey

S3_E24 How to shop smarter - beating the cost of living crisis

Is your grocery bill making you want to cry into your $9 toothpaste? Same. But you don’t have to just accept ridiculous prices as your new normal. In this punchy, practical episode, Phoebe Blamey shares her no-nonsense grocery shopping playbook so you can own your finances, not hand them over every week without thinking.
You'll learn exactly how to:
Plan before you shop to avoid the accidental "10 tins of tomatoes" situation
Ditch unnecessary brand loyalty (same pasta, lower price, smarter choice)
Bulk buy without becoming a Costco hoarder
Outsmart sneaky supermarket tricks (we see you, middle aisle at Aldi)
Make markets your secret weapon for fresher, longer-lasting food
Use sales cycles and discount hacks to get ahead (hello, pet food stockpile)
Make leftovers your new money-saving BFF
Phoebe keeps it real with personal stories, clever hacks, and empowering reminders that your money belongs to you, not Woolies or Coles.Tune in and start shopping like the financially savvy powerhouse you are.
Sponsored by:Entourage Finance and Property — Supporting Australians on their wealth journey. Learn more at entourage.com.au

S3_E23 Broke Girl Habits (that made me wealthy)

Today, we’re talking about the habits I picked up when I had very little money—habits that I have intentionally kept even as I became unapologetically wealthy. And here’s the thing: a lot of what keeps women financially stuck has nothing to do with what we earn and everything to do with what we’re taught to spend on.
The truth is, women are subjected to a relentless pressure to look a certain way. From hair, to weight, to fashion, we are quietly taxed every single day just to be seen as “professional” or “acceptable.” This pink tax doesn’t just hurt our wallets—it delays our financial independence.
In this episode, I unpack:
How societal pressures sabotage women’s savings and investment goals
The reality behind the so-called "pink tax" on women
The 5 (plus one sneaky extra!) broke girl habits I still live by
Hacks for looking and feeling fabulous without blowing your wealth goals
Why challenging price structures, subscription creep, and unnecessary spending is the ultimate feminist act
If you’re ready to get serious about building real wealth—and doing it on your terms—this is your permission slip to start (or keep going).
Resources and Mentions:
Financial Feminist by Tori Dunlap
Hair House Warehouse (DIY hair touch-up supplies)
My go-to secondhand and op-shopping tricks
Call to Action:✨ Share your favorite "broke girl" habit that you still use today! Comment on the episode post or DM me @thehappymoneyjourney
🎧 Listen now and start hacking your way to unapologetic wealth.

S3_E22 Your Questions Answered

Ready to stop playing small with your money and start taking up serious space—in your bank account, your business, and your life? In this candid Q&A episode, Phoebe answers the money questions most of us are too embarrassed to ask out loud—how to tackle debt without drowning in shame, how to stop feeling guilty every time you spend on yourself (yes, even on that serum), and how to budget when your income is one big financial rollercoaster.
Inside this episode:
How to get out of debt with dignity—and why shame has no place in your bank balance
The truth about spending guilt, especially for women juggling family, work, and everyone else's needs
What to do when your business income is either Beyoncé or beans on toast
Simple money systems for real people—no 27 bank accounts required
This one’s honest, empowering, and just what you need if you’re ready to step into your CFO energy and build your unapologetically wealthy life—without giving up joy.
Free Resources Mentioned:✨ [Debt spreadsheet download]✨ [Related episodes on debt]✨ Join the Happy Honeys Facebook group✨ Connect on Instagram [@phoebeblamey]
Call to Action:Got your own burning money question? Slide into Phoebe’s DMs, leave a comment, or drop it anonymously via the website. This is a judgment-free zone!💸

My Happy Money Journey with Phoebe Blamey Trailer

Are you a woman over 40 looking for information about money without the mansplaining? 
Welcome to My Happy Money Journey—the no-shame, no-fluff podcast for women over 40 who are ready to rewrite the money rules, take control of your finances, and live life on your terms.
Hosted by award winning money expert Phoebe Blamey, each episode is packed with smart, straight-talking advice to help you get out of debt, build real wealth, and create a life that actually feels good (not just looks good on a spreadsheet).
We’re done with toxic money culture, guilt-driven budgeting, and advice that doesn’t reflect our reality. Here, we talk about money with honesty, humour, and the belief that financial freedom should be available to every woman—no matter her past, her income, or her starting point.
Whether you’re navigating divorce, ditching debt, starting over, or stepping into your power for the first time—this is your space.
...it’s all part of your own happy money journey. 
Take 20 minutes out of your week to listen to someone that has been on the journey. #money #WomenAndMoney #financialfreedom #women

S3_E21 Practically debt-free: how to pay debt without losing your joy.

Description:In this empowering episode of My Happy Money Journey, Phoebe gets raw and real about debt—and how to break free from it without sacrificing your sanity, dignity, or your weekly catch-up with the girls.
We’re talking credit cards, buy-now-pay-later traps, personal loans, and the sneaky shame that rides shotgun with them. If you’ve ever shoved a credit card bill in a drawer and hoped for the best—this one’s for you.
You’ll learn:
Why debt is not a character flaw (and you’re not broken)
The #1 thing to do before you pay off a single cent
Avalanche vs. Snowball strategies—and how to pick what suits YOU
How to cut spending without killing your joy
Why a financial safety net is your best defence against falling back in
Resources:
Download the FREE Debt Clarity Worksheet
Join the Happy Honeys Facebook Group
Check out the Spend Cleanse and upcoming Debt Destruction course
Listen to last week’s guest Bonnie Lee on EFT for financial healing
Quote of the Episode:“Debt is not your personality—it’s just a situation. And it’s one we can handle, together.”
Subscribe & Share:If this episode helped you feel more empowered around money, share it with a woman who needs it. Debt is temporary. You are a force of nature.

S3_E20 Part 2 Unlocking abundance through emotional freedom technique with Bonnie-Lea Elizabeth

Episode Title: Unlocking Financial Freedom with EFT Tapping
Host: Phoebe BlameyGuest: Bonnie Lee Elizabeth, Self-Expression & Embodiment Coach
Episode Summary:Ever feel like money stress has a tight grip on your life? In this episode, we dive deep into the power of Emotional Freedom Techniques (EFT) with Bonnie Lee Elizabeth, a self-expression and embodiment coach who helps people rewire their money mindset and manifest financial abundance.
From navigating debt anxiety to breaking free from scarcity thinking, Bonnie shares how tapping can be a game-changer in shifting our beliefs and emotions around money. We also explore the link between financial stress and physical health, the importance of completing the stress cycle, and practical steps to incorporate EFT into your daily routine. Plus, get a sneak peek into our upcoming Debt Destruction course, where Bonnie will be guiding you through tapping techniques to clear financial blocks and build lasting wealth.
What We Cover:
What EFT tapping is and how it works
The connection between financial stress, emotional blocks, and physical health
How to use EFT to shift from scarcity to abundance
The power of manifestation and how mindset impacts financial success
How collective tapping in a group can amplify results
Why gratitude is a key component of financial growth
Free Resource:Download our exclusive EFT Tapping Guide to start clearing your money blocks today! [Insert link]
Connect with Bonnie:Instagram: @goddessawakened.coWebsite: www.goddessawakened.co
Join the Debt Destruction Course:Want to go deeper? Bonnie-Lea is teaming up with us for Debt Destruction, a course designed to help you clear your financial blocks, take control of your money, and step into financial freedom. Stay tuned for details!
 

S3_E20 Part 1 Unlocking abundance through emotional freedom technique with Bonnie-Lea Elizabeth

Host: Phoebe BlameyGuest: Bonnie Lee Elizabeth, Self-Expression & Embodiment Coach
Episode Summary:Ever feel like money stress has a tight grip on your life? In this episode, we dive deep into the power of Emotional Freedom Techniques (EFT) with Bonnie Lee Elizabeth, a self-expression and embodiment coach who helps people rewire their money mindset and manifest financial abundance.
From navigating debt anxiety to breaking free from scarcity thinking, Bonnie shares how tapping can be a game-changer in shifting our beliefs and emotions around money. We also explore the link between financial stress and physical health, the importance of completing the stress cycle, and practical steps to incorporate EFT into your daily routine. Plus, get a sneak peek into our upcoming Debt Destruction course, where Bonnie will be guiding you through tapping techniques to clear financial blocks and build lasting wealth.
What We Cover:
What EFT tapping is and how it works
The connection between financial stress, emotional blocks, and physical health
How to use EFT to shift from scarcity to abundance
The power of manifestation and how mindset impacts financial success
How collective tapping in a group can amplify results
Why gratitude is a key component of financial growth
Free Resource:Download our exclusive EFT Tapping Guide to start clearing your money blocks today! LINK
Connect with Bonnie:Instagram: @goddessawakened.coWebsite: www.goddessawakened.co
Join the Debt Destruction Course:Want to go deeper? Bonnie is teaming up with us for Debt Destruction, a course designed to help you clear your financial blocks, take control of your money, and step into financial freedom. Stay tuned for details!
 

S3_E19 Starting Over Financially

Life can throw some serious curveballs—divorce, the loss of a partner, a business collapse, kids leaving home. Suddenly, you're in the financial driver’s seat, whether you were ready for it or not. And that can feel overwhelming. But here’s the thing: You can rebuild, reclaim, and reset your financial life.
In today’s episode, I walk you through the steps to take control after a financial upheaval—without getting stuck in regret or fear. We’ll cover:
✅ How to start healing from financial trauma✅ The first steps to getting clarity on your money✅ Smart strategies to cut the financial clutter and start fresh✅ How to rebuild confidence in your financial future✅ Why your support system is everything (and how to find the right people)
I’ve been where you are. And trust me—this does get better.
🎁 Freebie Alert!Don’t forget to grab my 30-Day Spend Cleanse—your roadmap to resetting your spending habits and taking control. Links in the show notes!
💡 Episode Highlights🔹 [00:02:00] The emotional side of money—why we feel vulnerable and out of control🔹 [00:05:00] Step one: Letting go and forgiving yourself for past financial mistakes🔹 [00:07:00] Taking stock: Understanding your financial reality🔹 [00:09:00] Spending audit challenge—where’s your money really going?🔹 [00:12:00] Dream big: Manifesting your future financial success🔹 [00:14:00] Small, consistent steps = long-term financial transformation🔹 [00:16:00] Gratitude as a tool to shift from scarcity to abundance🔹 [00:18:00] Surrounding yourself with the right mentors, experts, and friends🔹 [00:20:00] Continual learning: The key to thriving on your money journey
📌 Resources & Links🔗 Grab the 30-Day Spend Cleanse freebie here: 🔗 Join our Happy Money Journey Facebook group: Happy Honeys on a Happy Money Journey🔗 Follow me on Instagram for more money tips: @thehappymoneyjourney
🎧 Loved this episode?Share it with a friend who needs a financial reset! And don’t forget to subscribe so you never miss an episode.

S3_E18 (part 3) How to Beat Burnout and Live a Life of Adventure with Tracey Wright

Intuitive Living and the Pitfalls of Diet Culture with Tracey Wright 🌿✨
In this episode, Phoebe Blamey continues her conversation with Tracey Wright, focusing on the profound impact of diet culture and the benefits of intuitive living. Tracey shares insights from her 15 years in the well-being space, challenging common misconceptions about nutrition's role in health and emphasizing the importance of connection, purpose, and intuitive eating. They explore how diet culture and media marketing prey on insecurities, promoting disordered eating, and the value of focusing on activities that truly make us feel good. The discussion also covers the impact of COVID-19, the importance of nature and community in achieving a balanced life, and how spending time outdoors can foster better environmental and social consciousness.
Chapters:
00:00 Introduction and Podcast Overview
00:34 Welcome to Happy Money Journey
00:54 Sponsor Message: Entourage Finance and Property
01:16 Discussion on Diet Culture
02:44 Intuitive Eating and Health
05:58 The Role of Food in Our Lives
10:38 Personal Reflections and Advice
14:28 Impact of COVID and Corporate Shift
15:57 Work-Life Balance and Community
18:40 Environmental Consciousness and Nature
19:51 Conclusion and Final Thoughts