My Happy Money Journey with Phoebe Blamey

S2E24 5 Ways To Avoid Financial Disaster for woman over 40

Hey honeys on this week's podcast we sit down and talk about the scary side of retirement 
We understand the importance of avoiding common money mistakes to secure a stable financial future. In this episode, we delve into key pitfalls that women over 40 should steer clear of.
Firstly, neglecting retirement planning is a major mistake. It's crucial to start early, maximise contributions, and take advantage of tax breaks and diversification within retirement savings. Understanding compound interest and the benefits of starting early can significantly impact your financial future.
Healthcare costs tend to rise as we age, so it's essential to plan for these expenses. Whether it's health insurance, health savings accounts, or regular check-ups, investing in your health now can prevent financial strain later on.
Estate planning is another critical aspect to consider. Having a will, setting up a testamentary trust, and ensuring designated beneficiaries for your accounts can help avoid legal complications and ensure your assets are distributed according to your wishes.
Knowing your financial goals for retirement is key. Whether it's travelling, downsizing, or owning your home, having a clear plan can guide your financial decisions and prepare you for unexpected life events like the death of a spouse or divorce.
Owning your home is emphasised as a crucial step towards financial security in retirement. Stories of individuals facing homelessness or financial instability due to lack of home ownership highlight the importance of this asset.
Managing debt is also essential. Prioritising debt repayment and having an action plan in place can help ensure a debt-free retirement.
By focusing on these points we can take proactive steps towards securing their financial future. Remember, it's never too late to start, but the earlier you begin, the better off you'll be. 

S2E23 Elevate Your Business

5 Elements to Elevate Your Business with our business creative, Hannah!
 
Hannah and I have operated various businesses from fashion, to hospitality to of course finance and education. Collectively we have experienced many highs and lows in business. Now working together at The Happy Money Journey, Hannah is our expert on up-leveling businesses. She shares her story of continual growth of her hospitality businesses in our Podcast this week.
 
Be sure to check our @mazecafedaylesford for a delicious bite and punchy coffee!
 
#womeninbusiness #empoweringwomen #upleveling #businessgrowth #womenempowerment #happymoneyjourney #happybusinessjourney #ladyboss #businesstips #elevateyourbusiness #entrepreneurView

S2 E22 Begin with the end in mind

Hey there, it's Phoebe Blamey, and I'm thrilled to have you join me on this week's episode of "Your Happy Money Journey." Today, we're diving into beginning with the end in mind.
In this episode, do you have a clear strategy for exiting your current role or business? 
When we begin with the end in mind we can make more informed decisions, stay accountable, and achieve greater success.
We start with your vison and mission statements,
Then we take a birds eye view of your personal and actual brand from the perspective of a potential employer or buyer
Know your rules, how contracts, business structures and your industry sells a business or alternatively how your current employment contract might restrict your next move.
Understand your timeline - how long until you want to retire for good? How long will what you are doing now remain viable? 
Know your definition of done - what are the attributes that will mean you are at the finish line? 
This episode is filled with  practical tips for implementing your strategy, including viewing your business or role from a buyer or employer's perspective, understanding the rules and regulations, defining your criteria for success, and setting a timeline for your exit or retirement.
How to know when to make a change, especially if your health or well-being is at stake.
So, whether you're just starting out or looking to make a change, this episode offers valuable insights and actionable steps to help you navigate your financial journey with clarity and purpose. Join me next week for more s on "Your Happy Money Journey." Remember to like, subscribe, and engage with us on social media. Enjoy the journey!

S2E21 Taking The Boring Out Of Budget: How it Affects You

More Federal Budget talk incoming! While it isn't thrilling, we must stay informed to understand how it shapes your financial future and to make the most out of it for ourselves and our community.
On this weeks podcast we dive into the details from tax cuts to energy bill relief, HECS debts, and support for small businesses, we break down the key highlights and implications for YOU! We look at the funding allocated to finally address domestic violence, improve education and health, and promote sustainability and innovation in businesses. Tune in to learn about the initiatives, rebates, and support available and be inspired to take action on your own financial journey.
The next 12 months leading up to the election will be crucial in shaping our future. Let's make our voices heard and advocate for policies that align with our values and priorities.
#federalbudget #businessopportunities #budgettalk #taxrelief #communitysupport #innovation #happymoneyjourney
Domestic Violence Support:
https://www.whiteribbon.org.au/helplines/
24/7 contact line
https://www.1800respect.org.au/
24/7 contact line
https://askizzy.org.au/ 
government service finder for disability and mental health  

S2E20 Pivoting Your Life: How To Finance A Life Change

I am so sorry I’m a wee bit late releasing our podcast! We have had a super busy mortgage broking week over here at @clover_financial
So here we are…and this podcast is worth the wait, trust me! We all know change is inevitable. Often, we can see it coming but find it daunting as we lose control and stability. This podcast on The Happy Money Journey is all about how to finance the next chapter in our lives. I share valuable insights and tips on how to bank roll this next big pivot in your life or business, so you are prepared and can go ahead with confidence.
If you're feeling the urge for change and don’t know where to start, then buckle up and listen here!
As a special treat, we're giving away our Happy Business Journey ebook for a limited time to help kickstart your entrepreneurial journey. Don't forget to check out the worksheet provided in the episode show notes to help you work through your financial needs and vision.
Dive into the episode, grab the worksheet, and let's nail this transformative journey together! 
Give Away: https://www.happymoneyjourney.com.au/pl/2147699141
Workbook: https://www.happymoneyjourney.com.au/pl/2148300463 
Enjoy the journey, Phoebe xx

Mothers Day Freebie: Live Workshop

Happy Mother's Day! 
We hope you're having an amazing and relaxing day full of appreciation and joy. 
 
After all the running around, eating and gift exchanging I have settled down on the couch and reflected on how lucky I am with the family and community that surrounds me. 
 
It's days like these that make you thankful for friends and family and the time you get to spend with your tribe.
 
For that reason, we want to share with you a recording of the live workshop from our Happy Honey on a Happy Money Journey Facebook group. If you haven't already, click below to sign up and join our little tribe as we guide you on your happy money journey!
 
https://m.facebook.com/groups/481214136395286/?ref=share&mibextid=lOuIew
#financialempowerment #mothersday #moneylessons #financialindependence #happymoneyjourney #gratitude #womenempowerment 

S2E19 Mothers & Your Money Mindset

Hey honeys,
This week we get ready to show our appreciations to the Mothers and Special People in our life. Lets take a moment to reflect on the valuable lessons you've learned from your mother or mother figures.
Consider how these lessons have shaped your financial mindset and influenced your money habits. We explore these valuable money lessons we learn from our mothers and mother figures. Or even the mistakes we have seen them make and how that can affect our money mindset today!
Phoebe explores this in depth talking about what she has learned in her journey and what she has seen in clients over the years.
Happy Mother's Day to all the incredible women out there, whether you're a mother or not. Embrace the journey, learn from the past, and pave the way for a financially empowered future.
Come on and join us on this integral part of your happy money journey.
Enjoy the episode and have a fantastic week ahead!

S2E18 Reprograming Your Subconscious PT2, with Eloise Tomkins.

Are you ready for Part 2 with Eloise Tomkins?!!
Eloise Tomkins breaks down EMDR for us – it’s is a psychotherapy treatment that is designed to alleviate the distress associated with traumatic memories, Eloise has taken it a step further and applied it to her coaching to help business women get out of their own way!!
We talk about how small traumas can affect your work life as an adult. Sometimes we don’t even know what causes these blocks…they just happen. If you have ever felt something unidentifiable holding you back, then this is a great listen! Phoebe was one of the early adopters of Eloise’s practice for business growth, and this makes for a really interesting deep dive into the change that happens from this type of therapy.
It's personal, it's deep and it’s the beginning of some real change.
Part two is now available wherever you listen to our podcast!
https://phoebeblamey.com.au/podcasts/
Also don't forget to do Eloise's Amazing Quiz: "What are your Subconscious Money Blocks?" Found here
https://www.eloisetomkins.com/quiz 

S2E17 Reprograming Your Subconscious PT1, with Eloise Tomkins.

Hey Honeys,
This week we are chatting with Eloise Tomkins.
Eloise is a trained psychologist turned coach, specialising in EMDR.
EMDR is a psychotherapy treatment that is designed to alleviate the distress associated with traumatic memories, but Eloise is using it in her coaching to help business women get out of their own way!! We talk about how small things can even affect your work life as an adult. Sometimes we don’t even know what causes these blocks – they just happen. If you have ever felt something unidentifiable holding you back this is a great listen! Phoebe was one of the early adopters of Eloise’s practice, and this makes for a really interesting deep dive into the change that happens from this therapy. Its personal, its deep and it’s the beginning of some real change.
Check this week’s podcast out.
Part one is available where ever you listen to our podcast! https://phoebeblamey.com.au/podcasts/ Also don't forget to do Eloise's Amazing Quiz: "What are your Subconscious Money Blocks?" found here: https://www.eloisetomkins.com/quiz

S2E16 From Coffee Runs To Cash Saving: Changing Morning Habits For Good

Hey you!
Welcome to this weeks episode of the Happy Money Journey. In this episode we are going to show you how to own your habits! There are so many things we repeat every day that don't align with our values...Come with us as we deep dive into some common habits that we learnt on our own happy money journey and now we want to share them with you!
Do you ever find yourself mindlessly scrolling and ordering take away because you have fooled yourself into thinking its more convenient or quicker than doing it yourself? Its these small daily habits that add up to be a lot of money over time....but are we really receiving joy from these things? We are not saying don't do it - we are just saying make it special!
If you want to turn the joyless and expensive habits we create into positive and productive habits listen in!!!
And here are some great links to things we chat about in the poddy...enjoy your journey!!
James Clear: https://jamesclear.com/
Suze Orman:  https://www.suzeorman.com