My Happy Money Journey: money for mid life women with Phoebe Blamey

S4_E5 Financial fluency when you are 'not a numbers person'

OK so you are not a numbers person - I can show you how to start making some good money decisions anyway! Welcome to the leading money podcast for mid life women in Australia. This week we dig deep into money myths, why a move into your divine feminine might feel like you are NOT doing better with your money, how not knowing can be dangerous and what are the three steps you can take right now to understand your finances.
If you are a mid life woman looking for financial freedom, start here!
Important links
If you want to jump into Frances Pratt's Sales Success Workshop click here
Forest Superfoods
Happy Money Journey Membership

S4_E4 How to beat the black Friday sales and stop the spend spiral

It’s finally here… the financial Olympics of the year.Black Friday to Cyber Monday is loud, chaotic, tempting, and honestly?It can be BRILLIANT — if you shop with strategy instead of spiralling.
In this episode, I’m breaking down the psychology behind the sales, how retailers use scarcity + urgency to make us overspend, and why midlife women are uniquely targeted (and uniquely powerful when we shop intentionally).
We cover:
Why your brain goes wild during sales
How identity buying creeps in (hello, future self fantasies)
Why Australian women are conditioned to “only buy on sale”
Emotional spending in November — and how to stop it in its tracks
The real-life system for getting what you actually want
The best hacks for Black Friday through Cyber Monday
How to avoid the Afterpay hangover
What small businesses need from us
And how to walk out of the sales feeling empowered, not regretful
This is your no-guilt, no-shame guide to spending with intention, clarity, and agency.
Because when you shop intentionally, you’re not just buying things —you’re building trust with yourself.
LINKS:
Join the Happy Money Membership (founding member offer)
Forest Superfoods offer 
Follow Phoebe on Instagram (@thehappymoneyjourney)
Join the Happy Honeys Facebook group
If you enjoyed this episode:Leave a review, share it with a friend, and tag me — I love hearing how you’re navigating these sales with confidence and clarity.

S4_E3 The four steps to financial freedom

There are four steps to financial freedom and none of them involve being good!
Today, on Australia's leading money podcast for mid life women let’s bust a myth. There is no right way to do money. The only right way is the one that fits your life, your experiences, and your dreams.
We’ve been told for too long that money follows a straight path: get a job, buy a house, build a portfolio, retire. But life doesn’t work that way and neither does your money.
This episode takes you inside your Money Matrix a model for how money actually moves through your life: Stability, Security, Growth, and Freedom. It’s emotional, practical, and energetic. It flows with you, not against you.
And most importantly? You get to decide to be wealthy.
Because wealth isn’t greed. It’s liberation. It’s your power, your safety, your legacy  and the foundation for the impact you want to make in your family, community, and the world.
A wealthy woman with a conscience is the patriarchy’s worst nightmare.
Wealth isn’t about survival - it’s about sovereignty. When women have wealth, families thrive, communities change, and the world begins to heal. So start your journey here! 
Links & Resources:
Join the Happy Honeys Facebook Group for free weekly lives and coaching
Support Forest Superfoods support us! 

S4_E2 How to rewrite your money story: from fear to financial freedom

Imagine waking up one morning and actually feeling in control of your money. No more dread when you open your banking app — just calm, confident clarity. This episode is your invitation to get there.
Phoebe takes you through the three big phases of transformation: Reclaim, Redefine, Rebuild. You’ll uncover the hidden stories and cultural conditioning that keep women stuck in financial fear and start rewriting your script for wealth, freedom, and choice.
From the myths we’ve been told (“money isn’t for women”) to the practical systems that build confidence (cash buffers, multiple revenue streams, vision boards, and money dates), this episode is your roadmap out of scarcity and into freedom.
By the end, you’ll have:
Clarity about what you truly believe about money
Courage to change it
Confidence to take the next step
Listen if: You’re a woman over 40 ready to stop waiting for perfect conditions and start building financial independence — your way.
Resources Mentioned:
Forest Superfoods 
30 Day Spending Cleanse (like a juice fast for your money!)
Business Builder 1:1 CoachingKnow your spending type QUIZ 

S4_E1 How to manifest money (really)

There seem to be two seperate camps when it comes to money coaches...some are all about healing your inner child so you can manifest the life of your dreams, and the others are all savings jars, spreadsheets and budget planners. I don't think you can do one without the other! Even the gurus check their bank accounts, and if they don't then what will they do when they manifest their millions? 
In this episode of My Happy Money Journey, Phoebe Blamey dives into why mindset work and manifesting are powerful… but not the whole game. There are your habits and systems as well, and we need to put it all together for the greater good. Because when we get our act together with our money it sets us free! 
What we cover:
Why manifestation alone won’t save your bank account
Money wounds and how they can silently sabotage success
The systems wealthy women use behind closed doors
One small step you can take today to build confidence with money
How to turn fear into financial momentum
If you’re ready to stop hoping for money and start inviting it in with clarity and confidence this one’s for you.
Looking for clarity in business? Book a call 
Don't forget we have the spend cleanse going strong!
Thanks to the wonderful peeps at Forest Super Foods for their amazing product; here is your link

Reboot S3_E13 Financial Feb Fast

This week we are rebooting one of your favorite episodes.  Here is to the financial Febfast you can take anytime!!
Here is a link to the 30 Day Spend Cleanse course designed for you to kick the low value spending habits and bring in some money joy!!
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!🔹 Give the quiz a go here and find your spending type &
subscribe for more mindful money tips on the podcast & YouTube
#MyHappyMoneyJourney #MindfulSpending #SpendCleanse #FinancialWellness #midlife #women #money

S3_E43 Starting your own money journey: how to make the shift!

This is my very own story. It took me to sort my money out. I hid from it, I impulse shopped, I did a ton of low value spending...I never looked at my account unless I was transferring money at the checkout after my card declined.
I did ALL the dumb things.
and then I made a shift...and today I am sharing that with you.
I’m bringing it all together. This isn’t just about spreadsheets or financial hacks.  It's three shifts (in no particular order) that changed my life and my money:
The Emotional Shift  moving from shame and fear into ownership and power.
The Practical Shift  building real systems, plugging leaks, creating cash cushions, and getting debt under control.
The Identity Shift moving from “I’m hopeless with money” to “I know exactly where my money’s going.”
Because money isn’t about more stuff — it’s about more life.
It’s the last episode of the season, and I want to start with a huge thank you. This year we’ve covered it all: from emergency funds and sexually transmitted debt, to investing, boundaries, divorce, and even how to bring a little adventure into our money lives.
And while this is the last episode of the season, we’re not done yet. Keep an ear out for my limited series Women Talk Wealth, coming soon.
Because of you, My Happy Money Journey has become one of Australia’s leading podcasts for women over 40. I’m deeply grateful for your time, your ears, and your trust.
Try it yourself on our spend cleanse: LINK HERE
Join us in the facebook group HERE
Thanks to our sponsors 
Entourage Finance and Property www.entourage.com.au
Forrest Superfoods LINK HERE
 

S3_E42 Save like a squirrel! Create your Emergency Fund

You know that money thing you know you should be doing, but somehow you never get around to? Yep today we are building your emergency fund.
In this episode I am going to show you how to save like a squirrel hoarding nuts for winter. This is your money, your financial freedom and possibly you FU fund.  Whatever you call it, it is more than just a pile of cash. It’s peace of mind. It’s freedom. It's the stash that lets you walk away from a job, relationship, or situation that no longer serves you.
So why do we put off getting started?
Today we are taking a deep dive into money and the mindset around that question.
We’ll cover:
Why money slips through our fingers (and how to stop it)
The difference between a cash cushion and a true emergency fund
How to identify your money blocks and move through them
Practical ways to build it even if you only have small amounts
By the end, you’ll have both the woo woo and the practical tools to start building your emergency fund
Share your milestone with me in the Happy Honeys Facebook group or on socials! Let’s celebrate together.
Need more than gentle words of encouragement? Hop onto the spend cleanse LINK TO SPEND CLEANSE
Links
Entourage Finance & Property – learn more at entourage.com.au
Forest Superfoods Lion’s Mane – kick midlife brain fog with organic Aussie-made goodness. LINK TO MUSHROOM GOODNESS
Disclaimer:The information in this podcast is general in nature. Please seek advice from a qualified professional who understands your personal circumstances before making significant financial decisions.

S3_E41 Five Habits that Build Financial Confidence

🔥 5 Habits to Build Financial Confidence (That Aren’t Budgeting B.S.)
If you’re done living pay-to-pay, done people-pleasing with your wallet, and absolutely DONE playing small with your money  this episode is your wake-up call.
Phoebe breaks down the five everyday habits that help you rebuild confidence, rewire your money mindset, and create rituals that lead to unapologetic wealth. From building your Bye-Bye Buffer to investing with flow, this episode will have you rethinking what it means to feel “safe” with money  and exactly how to get there.
What You’ll Learn:
Why mindset work without habits is just expensive journaling
How to identify and replace low-value spending habits
What a Cash Cushion is (and how to build one FAST)
Why every woman needs a Bye-Bye Buffer and how to set it up using round-up or micro-investment apps
How to get your money out of stagnation and into flow
How to add one “rich girl” ritual a week even on a budget
Mentioned in this episode:
The 30-Day Spend Cleanse Calendar (Free Tool!)
Micro-investing apps like Raiz, Spaceship, WeMoney, Up
Links + Resources:
💸 Download the FREE 30-Day Spend Cleanse Calendar → Click Here
🎓 Join the 30-Day Spend Cleanse Course → Find out more here
💬 Come chat in the Happy Honeys Facebook Group → Join Us
🍄‍🟫Forest Superfoods Find out more
🙋‍♀️Entourage Link 
Connect with Phoebe:
Instagram: https://www.instagram.com/thehappymoneyjourney/
TikTok: @phoebe.blamey
LinkedIn: Phoebe Blamey
Website: www.myphoebeblamey.com.au

S3_E40 Sexually Transmitted Debt; Love Lies and Money

Today we’re diving into a different kind of STD… one that spreads through love, trust, and silence: sexually transmitted debt.
This can look like a romance scam, on the other hand it can also look like the thing we just do in a relationship.  Today I want to bust the money myth that we need to go along with what our significant other is doing in their business, that its somehow our responsibility to support our new partner and how to spot the signs that an STD might be coming your way...I also want to talk about how to support a friend experiencing an STD. Its something I have done wrong but I want to share the learning from that mistake.
Silence is expensive. Talking about money can save you thousands of dollars and a whole lot of heartache.
In this episode:
Melanie’s story – how one woman’s $40,000 loan for her dream man turned into five years of debt and heartbreak.
The emotional manipulation playbook – love bombing, gaslighting, guilt trips, and why smart women fall for these traps.
The psychology of money & love – how our brains are wired to trust, to hope, and how spotting it can help us change.
Why we ignore red flags – even when our friends are shouting at us about it
How to protect yourself – from keeping your own bank account, to spotting red flags, to setting boundaries that keep you and your money safe.
Key takeaway:
Being vulnerable with money doesn’t mean you’re weak  it means you’re human. The solution isn’t to hide all alone with your shame. You can build skills, safety nets, and support systems. Protecting your assets is smart. Saying no is really hard but you are not alone. .
Resources & Support
WIRE (Women’s Information and Referral Exchange, VIC) – wire.org.au
1800RESPECT – 1800 737 732 (24/7 national support line for sexual assault, domestic and family violence)
Your bank’s financial hardship team – if you’ve taken out a loan under pressure, speak to them as soon as possible
Financial Rights Legal Centre – financialrights.org.au
💬 Have you or someone you know experienced sexually transmitted debt? Join the conversation in the Happy Honeys community a safe, shame-free space for women to talk about money, power, and freedom. Your invitation is here
Build your own financial literacy with the 30 Day Spend Cleanse, find out more