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

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 
 
 

S3_E39 Stop Being the Bank: Boundaries with Partners, Parents & Kids

We all think we’re supposed to look after everyone our partners, our parents, our kids, our grandkids. But what happens when that “responsibility” becomes a financial trap? This week I’m diving deep into the messy middle of money and relationships when love, obligation, and trust get tangled up with bank balances.
I’ll take you inside real-life stories from workshops and coaching sessions:
When a partner’s business collapses and you’re the one propping it up
When a sibling might be financially exploiting your ageing parent
When kids (or the “Bank of Mum and Dad” culture) expect more than you can afford
We’ll talk about difficult conversations, long-term thinking, and why “no” is a complete sentence. Most importantly you’ll walk away with the tools and permission to protect your financial future without blowing up your relationships.
💡 Links and Resources:
Join the 30-Day Spend Cleanse: Build boundaries and clarity in just 15 minutes a day
Join our free Happy Honeys Facebook Group
Follow me on Instagram, TikTok, LinkedIn and YouTube @phoebe.blamey
Link for Forest Superfoods
Thanks to our sponsor, find out more at entourage.com.au

S3_E38 Women, Wealth & the Great Inheritance Boom

Australia is on the brink of the largest intergenerational wealth transfer ever. Between $3.8 and $5 trillion will move from boomers to the next generation. Women will inherit 65% of it.
In this episode of My Happy Money Journey, Phoebe dives into the realities of inheritance:
Why women inherit more, later in life
How divorce, blended families, and “the eldest daughter effect” complicate things
The sandwich generation’s struggle caring for parents while still supporting kids
The rise of the Bank of Mum and Dad and the risks of living inheritances
Why open conversations prevent conflict and even elder abuse
The tax traps you need to know about (CGT, super, property sales)
Why testamentary trusts aren’t just for the rich
And how to find the right financial adviser in a shrinking market
Phoebe shares stats, stories, and strategies to help women not just receive money but truly own it.
Sponsor:This episode is brought to you by Entourage Finance & Property: helping Australians grow wealth through property, lending, and advice. Find out more at www.entourage.com.au
Forest Superfoods link here:  Forest Superfoods
Download your FREE spend cleanse calendar HERE
 

S3_E37 Laid Off but Lifted Up: Designing Your Next and Best Chapter

When you’re over 50 and suddenly find yourself without a job, it’s more than a career hiccup it’s a seismic life shift. Add menopause, aging parents, adult kids moving home, or divorce, and it’s a perfect storm.
This week, Phoebe dives into the uncomfortable reality: women over 55 in Australia take, on average, 20 months to find new work (seriously) more than double the time of younger candidates. But that “forced pause” can be the catalyst for something far more exciting than you expected.
We’ll cover:
Why redundancy rates and re-employment times hit women over 50 harder
How to run your own “financial first aid” in the days after losing a job
The critical role of knowing your burn rate
How to plug your money leaks with the free 30-Day Spend Cleanse calendar (linked below)
The surprising industries that do value mature female leadership
Why AI literacy could be your best career insurance policy
Smart, lean ways to start a business when venture capital is not flowing to women
Whether you’ve just been laid off or you’re quietly thinking “what if?”, this episode is about building a plan, protecting your finances, and reinventing your work life on your terms.
Links & Resources:
Free 30-Day Spend Cleanse Calendar: Link Here
Follow Phoebe on TikTok (its not just for Kids!!) : @phoebe.blamey
Join the My Happy Money Journey Facebook Group: Happy Honeys on a Happy Money Journey