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

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

S3_E36 Get Some Rich Girl Energy

It could have been the worst week...but my money systems saved me!
This week is all about where the money systems you have really count.  No its not when you look at your bank account, its when life hits the fan and everything falls apart. Because not all rich girl habits are about designer handbags or passive income dreams. Some are about finally having a freezer full of food when you're too sore to cook… or a cash cushion that lets you breathe when you can’t work.
In this episode, I break down the real, quiet, powerful habits that keep me calm, prepared, and actually wealthy. After four days in pain from a trapped nerve, I was reminded exactly why these habits matter.We’re talking systems, insurance, boundaries, and joy over convenience. It’s rich girl energy, when I really had none. 

S3_E35 Strategy over Scramble: Making Money Work In Business

Over a third of businesses in Australia are started by women over 35 and we’re doing it at almost double the rate of men. But we’re not just chasing profit,we’re chasing freedom, flexibility, and purpose. In this episode, Phoebe shares why so many women are walking away from the corporate treadmill to build something of their own and what it really takes to make your business financially sustainable.
From the untold story behind the female entrepreneurship boom to the cold, hard truth about subscription costs, pricing your offers, and paying yourself more than a guilt-soaked 1% this is your no-BS, emotionally honest, number-crunching chat about building a business that actually supports you.
If you’re a woman in midlife thinking of starting a business or knee-deep in one and wondering, “Is this even working?” this one’s for you.
🎁 Get support & tools mentioned in this episode:
🔧 Book a Happy Hour coaching session – 1:1, powerful, 
🚀 Join the Business Builder program: includes 3 months of 1:1 coaching: use code THRIVE25 for 25% off
📚 Free Business Builder tools + downloads: phoebeblamey.com.au
🎥 Follow on YouTube for practical video tips
📖 Read The Happy Money Journey (book): Buy it here
🎧 If you loved this ep…👉 Share it with the midlife woman in your life who’s cooking dinner while side-eyeing her LinkedIn profile and wondering what if?👉 Leave a 5-star review and tell us what your dream business looks like.👉 Subscribe for weekly deep dives into money, business, midlife pivots, and making it all work for you.

S3_E34 3 Small Shifts to Step Into Financial Freedom

In this episode, we’re ditching perfection and chasing progress, because financial freedom isn’t about doing everything “right.” It’s about healing your money wounds, learning the basics, and transforming your relationship with money using simple, consistent actions.
I’ll take you through:
Why it’s time to stop faking it and start faithing it
How money trauma shows up (even in high earners)
The three-step formula to create financial peace without pressure
What it really means to build systems around your life (not the other way around)
How tiny financial choices lead to powerful freedom
This one’s part pep talk, part plan, and all heart. Whether you’re swimming in spreadsheets or ignoring your statements altogether, this episode is for you.
🎁 Want to reset your money habits? Try the 30-Day Spend Cleanse and use code THRIVE25 for 25% off:👉 LINK HERE
📺 Find us on You Tube https://www.youtube.com/@phoebeblamey
📚 Grab the free workbook click here

S3_E33 The Midlife Crisis No One Warned Us About

By choice or by chance, our lives change in our 40s and 50s. Kids grow up. Parents age. Relationships fracture. Careers stall. Suddenly, we’re carrying everyone — emotionally, financially, physically — and nobody seems to notice that we’re drowning.
This episode is raw and real.I’m digging into what it really feels like to be a woman in the thick of it: invisible, exhausted, expected to hold it all together… while secretly falling apart.
What do we do when it all falls apart, because we were meant to be the generation that had it all!! Instead we are getting divorced, losing our jobs and finding ourselves with no real plan. This is the emotional and financial burden we don't talk about. But we need to.
Because here’s the truth: You are not lazy. You are not crazy. You are not alone.And you are not out of options.
💥 In this episode, we talk about:
Why midlife is hitting women harder than ever before
The trap of being the default caregiver — even when we’re crumbling
Domestic violence, adult children, ageing parents, and financial burnout
The uncomfortable but necessary steps to start putting yourself first again
Transition-to-retirement strategies, Centrelink options, and topping up super
How curiosity beats defeat — especially when you're rebuilding your life
🔧 Resources & Support
Free Workbook: My Mindful Money Journey
30-Day Spend Cleanse: Join Now
💛 Join the Community:
Instagram: @thehappymoneyjourney
Facebook Group: Happy Honeys
📢 Want more?
If this episode hit home, share it with a woman you love. Rate, review, and subscribe — it helps get this message to more women who need to hear they’re not alone.

S3_E32_Making Tax Time Work For You

It’s that time again — the ATO wants a date, and you’ve got receipts (somewhere, probably…). But what if we told you tax time isn’t just a necessary evil? It’s actually a chance to get financially fierce and turn your spring clean into a wealth strategy.
In this empowering episode, Phoebe breaks down:
Why tax time is your secret weapon for building wealth
How to rethink deductions (it’s not just about work expenses)
The truth about tax myths that keep women playing small
How to use this time to spot leaks, set goals, and invest smart
A mini pep talk about claiming your worth (because YES, you can pay less tax and still sleep at night)
Whether you're a side hustler, small biz owner, PAYG employee, or just tired of financial fog, this episode has something for you.
💥 No dry ATO speak. Just practical, powerful steps to take control of your money narrative — minus the shame spiral.
🔗 Links Mentioned
📥 Grab your FREE 30-Day Spend Cleanse Plan
📚 Read The Happy Money Journey Book
🧠 Join the 30 Day Spend Cleanse
🎉 Work with Phoebe 1:1 or in group coaching
💛 Join the Happy Honeys Facebook Group
🎧 Listen to more episodes
🧵 Timestamps
00:00 – Welcome to the power of tax time02:40 – Why women are overpaying and under-claiming07:30 – How tax can be part of your abundance plan12:15 – The mindset shift: receipts are data16:00 – Deductions decoded: what you might be missing18:30 – Next steps: reclaim your financial power

S3_E31 What you don't know about property with Antionette Sagaria

Buying a home can be overwhelming — especially when life is messy. What if you’re going through a divorce? What if you’ve inherited a property? What if you just don’t know where to start?
Enter Antoinette Sagaria, powerhouse Buyer’s Advocate at Entourage Property. In this episode, she reveals how to make smarter, calmer, and far more strategic property decisions — no matter where you’re at on your journey.
From first‑time buyers finding their feet, to those starting over after separation, Antoinette takes the emotion out of buying and selling. You’ll learn why having a trusted advocate can save you money, time, and heartache, how to align your expectations with the reality of the market, and why every dollar you invest needs to work harder for you.
This one’s an absolute must‑listen for anyone dreaming of financial freedom through property — because buying well is how we build generational wealth.
Listen now and get ready to rewrite your own property story.
⏱️ Timestamped Show Notes:
[00:00] Introduction & Acknowledgement of CountryWelcome to My Happy Money Journey, Phoebe Blamey acknowledges traditional owners and sets the scene for this episode.
[01:00] Meet Antoinette Sagaria — Buyer’s Advocate at Entourage PropertyHow Antoinette guides clients through buying, selling, and property management, focusing on making property a holistic part of their life.
[03:00] Property & Family DynamicsAntoinette shares her experience with family dynamics, succession planning, and renovations — making sense of inherited properties.
[06:00] Property Advice & FinanceWhy working with a Buyer’s Advocate from the start can save heartbreak down the track, especially in divorce or separation scenarios.
[08:00] Setting Realistic Property ExpectationsHow Antoinette helps couples align their ideas about what to buy and where — making sure the search is a match for the market.
[10:00] Helping First‑Time Buyers & Divorcing CouplesWhy guidance is critical when starting fresh after separation, and making sure the next chapter is built on solid financial ground.
[14:00] The Role of Property in Generational WealthBuying for long‑term stability, making smart decisions about inherited properties, and looking at the bigger picture of family wealth.
[18:00] Navigating the Sale of a Family HomeWhy an expert advocate can save money and reduce stress when splitting a household post‑divorce.
[22:00] Property as an Asset You Can ControlHow to balance emotion and financial reality when making big decisions about the family home or inherited property.
[26:00] The Importance of Tailored Property AdviceBuying interstate versus in Victoria, making confident decisions, and knowing when and why you might diversify your investments.
[29:00] Final Thoughts and Best AdviceWhy a trusted team of professionals gives you the confidence to create long‑term, generational wealth and a happy money journey.
 
About Antionette:
With over 20 years of Australian property experience to her name, Antoinette Sagaria brings a level of
insight, dedication and an enviable business network in support of her clients.
Antoinette’s success comes from her intrinsic ability to cultivate and nurture relationships. Successfully
advising both buyers and vendors, home seekers and investors, from first time buyers to astute high net
worth individuals and family groups, Antoinette has significant experience in all areas of the property
market.
Whether many years later or immediately after the fact, Antoinette’s clients see her as a source of
valuable property advice. Antoinette has a profound knowledge and interest in architecture, building and
construction which has proved invaluable to clients throughout their property journey.
 
www.linkedin.com/in/antoinette-sagaria-6344463a
https://www.instagram.com/antoinette_sagaria/
www.entourage.com.au
 
 
#BuyingProperty #BuyersAdvocate #FinancialFreedom #PropertyInvestment #PropertyAdvice #DivorceAndProperty #FirstTimeBuyer #InvestmentProperty #WealthBuilding #HappyMoneyJourney #WomenAndWealth #PropertyTips #AustralianProperty #FinancialEducation #RealEstate