99. Making Conscious Money Choices in 2024 and Beyond

This episode is with Nikkita Tew, founder of the financial literacy platform Young Spender. We're discussing the ways in which people in their 20s and 30s can maximise their savings for their short—and long-term goals and plan for retirement. She also breaks down your payslip and explains how taxes are deducted and what your tax code means.FOLLOW YOUNG SPENDER:Instagram - https://www.instagram.com/youngspender_/Support the Show.FOLLOW PENNIES TO POUNDS 💸Instagram - https://www.instagram.com/penniestopoundspod/Twitter - https://twitter.com/penniestopoundTikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1LinkedIn - https://uk.linkedin.com/company/pennies-to-poundsWebsite - www.penniestopounds.co.ukContact - [email protected]

How are today's youth weathering the storm of the cost-of-living crisis while keeping their fingers firmly on the pulse of culture and beauty standards? This week's episode features Tumisha and Alvin of Tag Agency, who discuss the findings from their $penny Report. This report highlights this generation's resilience, embracing thrifting and DIY to maintain their identity. DOWNLOAD THE REPORT - https://www.tagagency.co.uk/download-reportFOLLOW TAG AGENCY ON INSTAGRAM - https://www.instagram.com/tagagencyuk/FOLLOW TUMISHA - https://www.instagram.com/tumbalogun/FOLLOW ALVIN - https://www.instagram.com/alvnowusu/Support the Show.FOLLOW PENNIES TO POUNDS 💸Instagram - https://www.instagram.com/penniestopoundspod/Twitter - https://twitter.com/penniestopoundTikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1LinkedIn - https://uk.linkedin.com/company/pennies-to-poundsWebsite - www.penniestopounds.co.ukContact - [email protected]

This episode is with Sammie Ellard-King, founder of financial education platform Up The Gains. In this episode, we're discussing how to begin your wealth-building journey, ways to increase your personal growth and how to give your income a boost.FOLLOW UP THE GAINS:Instagram - https://www.instagram.com/upthegainsmoney/Website - https://upthegains.co.uk/Support the Show.FOLLOW PENNIES TO POUNDS 💸Instagram - https://www.instagram.com/penniestopoundspod/Twitter - https://twitter.com/penniestopoundTikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1LinkedIn - https://uk.linkedin.com/company/pennies-to-poundsWebsite - www.penniestopounds.co.ukContact - [email protected]

This week's episode is with mortgage advisor Dan Knott demystifying the home-buying process for first-time buyers. He covers how mortgages work, what to be aware of before making an application and schemes available to boost your savings financially.FOLLOW DAN 🏡Instagram - https://www.instagram.com/dandoesmortgages_/LinkedIn - https://www.linkedin.com/in/dan-knott-1740b31b0/Support the Show.FOLLOW PENNIES TO POUNDS 💸Instagram - https://www.instagram.com/penniestopoundspod/Twitter - https://twitter.com/penniestopoundTikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1LinkedIn - https://uk.linkedin.com/company/pennies-to-poundsWebsite - www.penniestopounds.co.ukContact - [email protected]

We're back with another episode for first-time buyers! On Thursday 24th August 2023, we hosted an event in London at the Samsung KX building dedicated to debunking the first-time homebuyer journey.This was the final panel of the night with London solo buyer Ayo and couple Alex and Cameron who bought in East London.  Filled with a lot of useful tips and insight, hope you enjoy this episode!Support the Show.FOLLOW PENNIES TO POUNDS 💸Instagram - https://www.instagram.com/penniestopoundspod/Twitter - https://twitter.com/penniestopoundTikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1LinkedIn - https://uk.linkedin.com/company/pennies-to-poundsWebsite - www.penniestopounds.co.ukContact - [email protected]

When you think about a professional dancer, does the image of a financial whiz come to mind? For Susie, this week's podcast guest, this unlikely transition from the stage to spreadsheets is her reality. Susie Italiano, the finance fairy godmother for small charities and creative freelancers, shares how to calculate your minimum monthly spend, the benefits of an emergency fund, and ways to diversify your income.Visit The Idle Money Blog Website - https://idlemoneyblog.com/Learn more about the courses available - https://idlemoneyblog.com/my-offer/Support the Show.FOLLOW PENNIES TO POUNDS 💸Instagram - https://www.instagram.com/penniestopoundspod/Twitter - https://twitter.com/penniestopoundTikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1LinkedIn - https://uk.linkedin.com/company/pennies-to-poundsWebsite - www.penniestopounds.co.ukContact - [email protected]

In this episode, we're discussing Life Insurance and the importance of having insurance policies to protect your finances. To do this, we're joined by Insurance Advisor Ella or Ella Ensures who breaks down the different types of policies available and at which points in life you should consider taking them out. FOLLOW ELLA:Instagram - https://www.instagram.com/ellaensures/Support the Show.FOLLOW PENNIES TO POUNDS 💸Instagram - https://www.instagram.com/penniestopoundspod/Twitter - https://twitter.com/penniestopoundTikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1LinkedIn - https://uk.linkedin.com/company/pennies-to-poundsWebsite - www.penniestopounds.co.ukContact - [email protected]

This episode is filled with insights from Topsy Taiwo, the property guru behind Property Purchaser, guiding us through the Right to Buy scheme. We also explore the process of going from buying your first home to your next home - schemes available, the process, and how to find a good estate agent.Get Topsy's Book - https://payhip.com/b/4DwuTFollow Topsy on Instagram - https://www.instagram.com/topsytaiwo/Follow Property Purchaser on Instagram - https://www.instagram.com/propertypurchaser/Support the Show.FOLLOW PENNIES TO POUNDS 💸Instagram - https://www.instagram.com/penniestopoundspod/Twitter - https://twitter.com/penniestopoundTikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1LinkedIn - https://uk.linkedin.com/company/pennies-to-poundsWebsite - www.penniestopounds.co.ukContact - [email protected]

Happy New Year everyone! As we're heading straight into 2024, the first episode of the year is discussing how you can make conscious money decisions to reach your financial goals this year.TOPICS COVERED:Discovering your financial valuesSetting realistic financial goalsCreating a useful budgetMindful spending and consumerism- Listen to the episode with Andrea to discover how to shop fashion sustainably here.- Download the budgeting app Emma - https://emma.to/kiacommodore- Download the Pennies To Pounds Budget Spreadsheet - https://www.penniestopounds.co.uk/product/budget-spreadsheetSupport the Show.FOLLOW PENNIES TO POUNDS 💸Instagram - https://www.instagram.com/penniestopoundspod/Twitter - https://twitter.com/penniestopoundTikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1LinkedIn - https://uk.linkedin.com/company/pennies-to-poundsWebsite - www.penniestopounds.co.ukContact - [email protected]

Looking to make savings this Black Friday and Cyber Monday? This episode is not just about the nuts and bolts of smart shopping. It's about real-life experiences and strategies we've picked up along the way. PLUS we discuss Travel Tuesday - the little-known opportunity for discounted travel!WEBSITES MENTIONED:Google Shopping - https://www.google.com/shopping?hl=enTopCashback - https://www.topcashback.co.uk/ref/whatzitoyaQuidco - https://www.quidco.com/raf/3561322/CamelCamelCamel - https://uk.camelcamelcamel.com/HotUKDeals - https://www.hotukdeals.com/RetailMeNot - https://www.retailmenot.com/OUR IN-PERSON EVENT, 14th DECEMBER 2023 - https://www.eventbrite.co.uk/e/new-year-wealthier-you-tickets-750767986257?aff=oddtdtcreator*some links may be affiliate linksSupport the Show.FOLLOW PENNIES TO POUNDS 💸Instagram - https://www.instagram.com/penniestopoundspod/Twitter - https://twitter.com/penniestopoundTikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1LinkedIn - https://uk.linkedin.com/company/pennies-to-poundsWebsite - www.penniestopounds.co.ukContact - [email protected]