It’s rude to talk about money, right? Wrong. Money really matters. From knowing your worth to understanding the gender investment gap and how to close it, we’re here to help women have more open conversations about money and investing. Because the truth, is women in the UK have less than half the levels of savings and investments as men*. At AJ Bell we’re passionate about helping people invest – so that statistic really bothers us. Money Matters is our programme to put this right, through a range of educational material to help women get to grips with investing. As well as this website, that includes a regular newsletter, a podcast, and webinars all designed with female investors in mind. So what are you waiting for? Join the conversation today.
How to pick an investing account, plus demystifying scary pension headlines
34:54On this episode of the AJ Bell Money Matters podcast Danni and Laura pore over the latest pension headlines that suggest we’ll all have to save more and might have to work for longer. The pair consider that all this bad news might be just the thing many women need to get them motivated to think about the kind of retirement they want and start planning how they can afford it. (Spoiler alert: just engaging with your finances is a great start.) They also take you on the second part of our investing 101 journey with AJBell’s pensions and savings expert Charlene Young, who talks through all the different accounts on offer when you start out investing, to help you pick the right one for you.
Loud budgeting and inspirational investing
39:35On this episode of the AJ Bell Money Matters podcast Laura and Danni revel in the new social media trend that is “loud budgeting”. The phrase has become popular on TikTok and the pair celebrate that talking about money is becoming less taboo. Also on the show, they sum up where we are in the “cost of living crisis”, including the crucial question of when interest rates are likely to fall. And they talk to Trish Houston who shares her truly inspirational investing story. She used saving and investing to enable her to have children by herself. Now a proud solo parent to two daughters, she credits early financial decisions with opening up the life choices she has now. For more on our International Women’s Day celebrations on Thursday 7 March, visit our events page.
How to build an investment portfolio
21:25On this episode we are going back to basics on investing. Lots of women say they don’t how to invest, there’s too much jargon or they are embarrassed to ask questions – but we’re aiming to solve that. In this episode Laura and Danni talk through some of the types of investments you can put in your portfolio: from stocks and shares to funds and bonds or cash. You may find you already have more in your portfolio than you thought. They also talk to Caroline Shaw who is a professional investor, in charge of Fidelity’s Sustainable Multi-Asset Growth fund. They quiz her about how she puts together a professional portfolio and her own investing journey.
How to learn from 2023’s financial mistakes
26:41On the first episode of 2024 Danni and Laura hear confessions from the rest of the Money Matters team about financial mistakes they made in 2023 and the goals they’re setting themselves this year. Their errors vary from overindulging in online shopping to not following through on carefully laid investing plans, while their good intentions include upping pensions contributions and creating a savings cushion for when things go wrong. They’ve got plenty of tips that could inspire you to make your own positive changes this year.
Tips for festive feasting on a budget
40:05On this episode Danni and Laura are getting into the Christmas spirit, but after a year of soaring food prices we’re thinking hard about budgeting for the big day. The Christmas food shop is a big one – and it’s likely to be a whopper this year. Danni catches up with Mimi Harrison, blogger, author and the Instagram legend known as “Beat the Budget”, who has tips to make your food shop stretch really far. Plus, Laura chats to Catherine Shuttleworth from Savvy Marketing – to learn how to avoid the supermarket tricks that make you spend more and how to save money this festive season.
How a side hustle can boost your income
30:19On this episode of the Money Matters podcast Laura and Danni discuss the art of the side hustle. Taking extra work on the side is something people have always done, but social media promoting it and the cost of living crisis eating into our cash means so many more people now have side hustles. But how do you navigate the side hustle world – and also make sure you don’t fall foul of the taxman? Laura talks us through the financial pitfalls you need to be aware of and Danni chats to Francesca Henry, aka The Money Fox, about how side hustles got her out of debt.
Celebrate our 50th episode – plus LBC’s Natasha Devon
35:46It’s the 50th episode of the Money Matters podcast and Laura and Danni step back in time to celebrate some of the brilliant guests and topics they’ve discussed over the past couple of years. From the Scummy Mummies on why money is still a taboo, to TikTok’s “Legal Queen” busting the myth of common law marriage, and Stacey Lowman from Claro Wellbeing on the financial perils of “lifestyle creep”. And with LBC radio also celebrating its 50th, Danni talks to presenter Natasha Devon about her work as a gender and equality campaigner. She says some teenage girls today think the gender pay gap is a myth and has written a book to remind young adults about the challenges women faced at the turn of the millennium.
The optimism of youth
33:00On this episode Danni and Laura are feeling optimistic. More financial education aimed at women and shifts in mindset are helping younger generations feel more empowered about their choices and open to having those tricky conversations. Our research shows that younger generations are more likely to split money equally, have frank conversations about money and have planned their financial futures. We hear from Marianna Hunt, a 28-year-old Money Matters listener, about why uncomfortable conversations about money are making her life better and Danni chats to two new dads who took shared parental leave about why more men should do it.
How the Single Tax hurts your finances
26:51On this episode Danni and Laura examine the “Single Tax”, which not only impacts your day-to-day money but also has huge implications for your long-term financial plans. They chat to a couple of ladies about how being single has impacted their lives and their ability to save, as well as revealing the latest research that shows how being single affects your money. Plus, Danni finally shares her financial confession.
Uncovering all our Financial Wobbly Bits
37:37It’s a very special episode as we celebrate the launch of our new research report. Our founding Ambassador Baroness Helena Morrissey talks through the findings that chart the financial wobbly bits of women’s lives: from our discomfort with asking for a pay rise, to shouldering the bulk of caring responsibilities and then menopause. There are plenty of potholes for women to navigate if we’re ever going to narrow the gender wealth gap. Danni and Laura chat through their own financial wobbly bits and we finally get a money confession out of Laura.