Its just me! Talking about big money issues of the week including -

Buy now, pay later companies. Regulation is coming, finally.

Ways to save on your energy bills by switching and changing behaviours. Octopus refer a friend link as mentioned  share.octopus.energy/light-human-543

Pensions Awareness, how much have you got, how much do you need?

Instagram https://www.instagram.com/mrsmummypennyuk/

I talked to James Max on Early Breakfast Talk Radio 19-6-20 about my top 5 personal finance stories.

I have covered this slot every month since beginning of 2019. 

Todays stories, pension scams, covid - Hollywood Bowl, financial education for children, covid surcharges and top places to buy a property post covid.

S2 EP 41 Interview with Denise the founder of Lets Talk STIs a Sexual Health Educational resource. 

We really talked taboos on this podcast, and i loved it. Denise is one if the bravest people I know sharing her story about her personal journey with STI's. They are FAR more common that you might imagine.

We talk sex, protection, different STIs, treatments, communication, impacts on life.

https://www.instagram.com/letstalkstis/

This week I am talking January money worries. Plus I talk about energy saving and the benefits of my smart meter.

I am incredibly excited to share this wonderful episode with you. Laura Ann Moore, Financial Coach joins me to talk about Money Mindset. 

My new season of videos and podcasts for Mrs Mummypenny Talks is here. I have 12 incredible episodes winging their way to you every week.

Each focuses on a chapter of my book The Money Guide to Transform Your Life. I will be talking to best experts in the finance business about each subject area, giving the best guidance and tips on each area.

Money Mindset is where we must start with money. Getting to grips with why you think like you do with money, its importance to you and what it means to you. What events have happened in your life that give your beliefs and how these can evolve over time.

Laura is incredibly dynamic and passionate about her area of expertise. I learnt so much from this discussion and I know that you will too.

Laura's website and social links are here. Along with my book, available for sale from my website.

https://www.lauraannmoore.co.uk/

https://www.instagram.com/laura_ann_moore/

https://vm.tiktok.com/ZMRq79VNf/

You can buy my book here https://www.mrsmummypenny.co.uk/product/the-money-guide-to-transform-your-life/

Mrs Mummypenny Talks today is all about 1) Seasonal affective disorder https://www.mrsmummypenny.co.uk/how-t... 2) Energy Saving Ideas to help save £230 a year, plus I urge you to check you are on the best deal. Check with Octopus Energy to see if they can beat your current deal share.octopus.energy/light-human-543 3) Ethical Investing and PensionBee. I am moving my funds to a future world plan https://www.mrsmummypenny.co.uk/ethic...

I am back with Episode 1 of S3 of Mrs Mummypenny Talks. Today is an introduction to the new series and a welcome to some finance ideas for 2021.

I talk spending diaries and budgets, a great way to start off 2021 and to get your finances under control. I also talk goal setting, be that paying off debt, saving an emergency fund, putting money into a pension or investment.

My book The Money Guide to Transform Yuor Life is now available to buy at lower price of £12.99. 

https://www.mrsmummypenny.co.uk/product/the-money-guide-to-transform-your-life/

This week I interview my friend Kim Boudreau Smith, the founder of a revolutionary platform Her Bold Voice Speaks.

A seasoned speaker her entire life, she imparts her skills to women to make them bolder and better at speaking out.

We talk about imposture syndrome, speaking out in difficult situations, the fear of public speaking, people who apologise too much. A really great conversation to help you with confidence in your voice.

Kim's Website is here https://kimbsmith.com/ Follow her on Instagram here https://www.instagram.com/herboldvoicespeaks/

In episode two of Mrs MummyPenny Talks Cost-of-Living with Much More With Less we talk about an essential subject, food. This is usually one of the biggest bills for families after their rent or mortgage and we look at the biggest savings for the least effort.

To start with, we look at switching supermarkets, a simple step to slash those bills.

Our food expert, Faith, talks about meal planning and shopping the contents of your freezers and cupboards. While Lynn, shares her hacks for spending less while you’re actually in the supermarket.

The average UK family throws away £60 of food a month according to Love Food Hate Waste, so we take a look at ways you can reduce your own food waste

Next up is cooking from scratch, with tips for saving money on those nights when you really don’t want to be in the kitchen. Plus take-aways vs. fake-aways, and whether the subscription boxes are worth it.

We talk about switching down brands, taste tests, and what to do when the kids just won’t accept the Aldi brand ‘Nutella’!

Lynn shares some articles she’s written with tips on feeding your family for less.  And, finally, we cover the options for those who are really struggling.

Show Links:

https://www.lovefoodhatewaste.com/

https://www.mindfulchef.com/

https://www.bbc.co.uk/food

https://www.youtube.com/watch?v=iM_KMYulI_s (Gordon Ramsay’s Burger)

https://www.mirror.co.uk/money/mum-feeds-family-four-just-27490154

https://www.mirror.co.uk/money/thrifty-mum-three-how-makes-19338593

https://www.mirror.co.uk/money/10-easy-ways-you-can-26174719

https://www.foodrescuehub.uk/

Find Lynn here:

Instagram

Twitter

 www.mrsmummypenny.co.uk.

Find Faith here:

www.muchmorewithless.co.uk

Instagram  

Twitter

Find PensionBee here:

 Instagram

 website.

I hare my beach and spa visit from last week plus fabulous dim sum and bubbles. Plus what to do if you need an emergency large sum of money. 

In this episode, Lynn Beattie and Ola discuss the question of how to have it all. They share their perspectives on balancing different aspects of life, such as health, relationships, work, and self-love. They also talk about the importance of setting boundaries and saying no to opportunities that don't align with their values.

The conversation highlights the challenges and privileges that come with striving for a fulfilling and balanced life. The conversation explores the concept of 'having it all' and the challenges of achieving optimal levels in all areas of life. The speakers discuss the difficulty of balancing work, family, relationships, health, and finances. They emphasize the importance of self-love, gratitude, and reflection in finding contentment and happiness.

The conversation also touches on the pressure to settle for less in relationships and the need to prioritize different aspects of life at different stages. Overall, the speakers encourage listeners to define their own version of 'having it all' and celebrate their personal achievements.

LINKS

Paloma Faith Book https://amzn.to/3zE5LxM

Ola's All Things money Podcast https://open.spotify.com/episode/2jOSZk0JRnBgG5yPgDJECw?si=kv18LfNKQ6SbY3-2oia_UA

Instagram Accounts

Lynn James Beattie Mrs Mummypenny®️ (@mrsmummypennyuk) • Instagram photos and videos

Ola | All Things Money✨ (@allthingsmoney_) • Instagram photos and videos

Episode 5 is all about MONEY SAVING. With money saving, coupon kid expert who knows everything about saving money - Jordon Cox.

My oh my we know a lot between us about saving money. We talked about money saving on essential bills, including Energy, Broadband, Mobile Phones, Mortgages, Council Tax, Water, Insurance, everything!

Then we talked money saving on everything else, food, fuel, mystery shopping for free food. You will save money after watching this video, or listening to this podcast!

Its another long one, at 1 hour, but you will save hundreds, thousands! PACKED full of the most amazing guidance and advice.

My new season of videos and podcasts for Mrs Mummypenny Talks is here. I have 13 incredible episodes winging their way to you every week. E

ach focuses on a chapter of my book The Money Guide to Transform Your Life. I will be talking to best experts in the finance business about each subject area, giving the best guidance and tips on each area.

Jordons's website and social links are here. Along with my book, available for sale from my website.

https://jordoncox.com/

https://twitter.com/Jordon_Cox

You can buy my book here https://www.mrsmummypenny.co.uk/product/the-money-guide-to-transform-your-life/

ALSO we mentioned a ton of Apps, companies and refer a friend deals where you can save a small fortune.

Top Cash Back We both get a credit to our accounts https://www.topcashback.co.uk/ref/lynnbeattie

Octopus Energy - £50 credit to each of us share.octopus.energy/light-human-543

Trussle Independent Mortgage Broker We both get £150 in amazon vouchers

http://ssqt.co/mzgdRSs

AMEX we both get a chunk of Avios miles gifted. http://amex.co.uk/refer/lYNNJWUzk?XL=MNANS

Earth & Wheat Save £1 on first box https://checkout.earthandwheat.com?r=449787&s=14279 Shopmium

https://www.shopmium.com/uk

Please enter the code S4UQ7U to get a free tube of pringles, I get £3 credited to my account!

Pro Insight Mystery Shopping

https://www.proinsight.org/

Fuel Savings post

https://www.mrsmummypenny.co.uk/how-to-save-money-driving/

Energy Savings post

https://www.mrsmummypenny.co.uk/energy-saving-tips-to-save-you-money/

My posts may contain affiliate links which just means I will get a small commission if you decide to sign up/buy ... this in no way affects the price you pay; think of it as you virtually saying 'thanks for sharing'! :)

In this episode, Lynn Beattie interviews Sara Williams, also known as Debt Camel, to discuss the big question of debt and its impact on people's lives. They cover the definition of debt, types of debt, good and bad debt, interest rates, credit ratings, problem debt, and debt management plans. Lynn also shares her personal experience of dealing with debt and the steps she took to pay it off.

The conversation covers a wide range of topics related to debt management, including priority debts, essential bills, seeking debt advice, dealing with shame and embarrassment, and the impact of buy now pay later schemes. It also provides guidance on talking to partners about debt, seeking support, and avoiding predatory debt advice. The conversation emphasizes the importance of seeking help and taking small steps to address debt-related challenges.

Sara on Instagram Sara Williams - all about debt (@debtcamel) • Instagram photos and videos

Lynn on Instagram https://www.instagram.com/mrsmummypennyuk

Sara - Debt Camel Website Debt Camel · Answers to questions about debts and credit ratings - in plain English!

Mrs Mummypenny Website https://www.mrsmummypenny.co.uk/

In this episode, Lynn Beattie and Pete Matthew discuss the question of whether life gets easier as we age. They explore the definitions of aging and what it means for life to get easier. They also touch on the importance of self-regulation, developing frameworks for thinking, and the impact of social media on teenagers.

The conversation highlights the subjective nature of life getting easier and the different challenges and opportunities that come with each life stage. The conversation covers various topics related to aging, mental health, technology, and wisdom.

Pete Matthew discusses the impact of social media on mental health, particularly among young people, and emphasises the importance of carving out time for doing nothing and allowing the brain to process information.

Lynn Beattie shares her perspective as a mother of boys and highlights the challenges of raising children in the digital age. They also discuss the pressure faced by women in their 30s and the liberation that comes with age, as well as the importance of compassion and wisdom in navigating life's challenges.

Full Show Notes Head to www.mrsmummypenny.co.uk

Lynn Instagram https://www.instagram.com/mrsmummypennyuk/

Pete Instagram Meaningful Money (@meaningfulmoney.tv) • Instagram photos and videos

Petes Meaningful Money Handbook https://amzn.to/3ZkuSki

I have returned to my favourite format of weekly interviews for Mrs Mummypenny Talks.

Today I introduce Andy Kay, Co-founder of Socius Investing, fellow football academy parent an co owner of ProInsight Mystery Shopping, Your Zone 45 Fitness Franchise and a few other businesses.

We talk Covid impacts on business, particularly health and fitness. Also general business and society as a whole.

We talk about Pro Insight and Mystery Shopping. How a franchise at Your Zone 45 works, Football Academy and Education, world economics. We meandered into a brilliant conversation.

The links you need are:-

Andy Linkedin Details https://www.linkedin.com/in/arkay/

Pro Insight https://www.proinsight.org/

Your Zone 45 Fitness Franchise https://www.yourzone45.co.uk/yourzone45-fitness.html

Interview with Faith Archer about money saving now in Covid-19 and beyond. Sponsored by PensionBee https://www.youtube.com/watch?v=pNYmARyOy78

Tune in next week for Tom Baigrie, CEO of Lifesearch.

Back to the usual, Interview with a business founder, for my podcast this week where I chat to Jennifer Kempson about her YouTube channel and business MamaFurFur.

This is an incredibly honest interview, Jennifer, like me says it as it is. We talk about the growth of her business, how she does MamaFurFur and holds down a full time job. family life and mental health life.

You do not want to miss this chat.

Follow Jennifer on YouTube along with her 43k!!! subscribers (at 8th Sept 2020) https://www.youtube.com/channel/UCPvSN7kot8zJUreVzs-0y8A

Website

https://mamafurfur.com/

Instagram

https://www.instagram.com/mamafurfur/

I love refer-a-friend offers. A great way to share products or services with your network and make both you and your friend some money. Including Octopus, TopCashBack, KidsPass, PensionBee, Mindful Chef and Trussle Mortgages.

Topcashback

https://www.topcashback.co.uk/ref/lynnbeattie

Octopus Energy

https://share.octopus.energy/light-human-543

PensionBee

http://refer.pensionbee.com/mQeBiQC

KidsPass

https://www.kidspass.co.uk/signup/kprs384138

Mindful Chef

https://app.mindfulchef.com/?referral_code=lynn%40mrsmummypenny.co.uk

Trussle Mortgages

http://ssqt.co/mzgdRSs

Here is Episode 2 of Mrs Mummypenny Talks, S2. I talk about my money mantras, the things I do day in day out to save money and make some extra money. Including cash back, american express cash back and switching your regular bills every month, including ENERGY!

Episode 9 is all about MAKING MONEY. I am joined by Personal Finance expert Laura Dempster - AKA Thrifty Londoner.

I loved talking to Laura. An added bonus to this episode is that Laura is 29, and has a totally different perspective on life as a millennial.

-We started with a chat about renting or buying in London. Laura runs the Instagram page Thrifty Londoner.

-Then The best ways to sell clothes, bags, furniture. Using apps/sites like eBay, Facebook Marketplace, Vinted, Gumtree. 

-Tax implication of selling clutter from home.

-Freelancer side hustle life. Creative side hustles, dog walking, and a lot about setting up blogs and social media brands.

-Mystery Shopping - Pro Insight are my recommended company, sign up here to become a shopper https://www.mysteryshoppingexperts.co.uk/mrsmummypenny

-Enter competitions

- Take part in Focus groups on zoom.

The Darker Side of Making Money -If it looks too good to be true it probably is.

- Questionnaires will not make you money and are dull!

- The dangers of MLM

- Matched Betting and addiction to gambling

https://www.mrsmummypenny.co.uk/why-is-matched-betting-bad-for-your-mental-health-and-bank-balance/

My new season of videos and podcasts for Mrs Mummypenny Talks is here. I have 13 incredible episodes winging their way to you every week. Each focuses on a chapter of my book The Money Guide to Transform Your Life. I will be talking to best experts in the finance business about each subject area, giving the best guidance and tips on each area.

Laura's social links are here. Along with both my book, available for sale from my website or Amazon

https://www.instagram.com/thriftylondoner/

You can buy my book here for JUST £9.99. https://www.mrsmummypenny.co.uk/product/the-money-guide-to-transform-your-life/

Or get it from Amazon https://amzn.to/3BUCuuZ

My posts may contain affiliate links which just means I will get a small commission if you decide to sign up/buy ... this in no way affects the price you pay; think of it as you virtually saying 'thanks for sharing'! :)

This week its grocery spending and household spending. 

I was on TV!! ITV News as a personal finance expert.

I wrote a post about my relationship ending, the decision making process.

Talking to people was amazing last week, shout to my friends all over the world.

And my book is progressing 2k words written out of 50k.

In this episode, Lynn Beattie is joined by Kia Commodore of Pennies to Pounds to discuss the common statement 'I'm terrible with money.' They explore the reasons behind this belief, including lack of education, fear, and societal taboos. They emphasize the importance of being kind to oneself and relearning money management skills. The conversation also touches on topics like pensions, wills, and the impact of emotional spending. 

Overall, the episode aims to empower women and promote financial literacy. In this conversation, Lynn and Kia discuss various topics related to personal finance, including the influence of social media on spending habits, ways to learn about money, favourite personal finance podcasts, the importance of emergency funds, saving for different goals, and the challenges of buying a house. They also share their own experiences and provide valuable insights for listeners.

Instagram Accounts

Kia Commodore (@ikeeyah) • Instagram photos and videos

Pennies To Pounds (@penniestopoundspod) • Instagram photos and videos

Lynn James Beattie Mrs Mummypenny®️ (@mrsmummypennyuk) • Instagram photos and videos

Mrs Mummypenny Website

https://www.mrsmummypenny.co.uk/

Mrs Mummypenny Talks is evolving! My podcast is now Mrs Mummypenny Talks with Ridley Writes.

Two life long friend discuss life as a women in current times. Equality for women, work life balance, sharing our stories, family life, there is so much to talk about.

For episode 1 we share our stories, how we became friends and where the twists and turns of life have taken us. We share the stories of careers, love lives and untimely deaths of both sets of parents. 

Read more about Lynn on her website 

https://www.mrsmummypenny.co.uk/

And more about Rebecca on her website

https://ridleywrites.co.uk/

For episode 7 of the podcast we discuss women and alcohol.

How it has become a socially acceptable, yet highly unhealthy coping mechanism.

We discuss our own experience, binge drinking, coping mechanisms, how it has lead to being in unsafe situations.

We talk marketing and how women are targeted by the alcohol companies, ginoclock, time for gin, the rise of rose wine.

And we share stats that younger generations, millennial and gen z are drinking far less than gen x (those of us born before 1980)

For more info on Lynn and Becky, check out our websites. https://www.mrsmummypenny.co.uk/

https://ridleywrites.co.uk/

Music copywrite Dan Greensmith

Episode 11 is all about Savings and Investments. Plus we talked WILLS following on from Protection last week and talked a little about pensions (more to come on Pensions with a whole episode 12, next week) I am joined by Financial Planner, Podcaster and YouTuber Pete Matthew of Meaningful Money. 

-We started with an intro to Pete, his Podcast, YouTube, and Meaningful Money academy.

-We talk about the world of Personal finance influencers and the real people who we trust. We talk about how to work out who to trust.

-The core of the podcast, we start off with Wills. The why and the how of writing a will. How it protects and supports those around you when you die.

-We talk about what happens if you die without a will. And it gives you choice, a will is about control, of what happens to your assets, money, funeral upon death.

Savings & Investments

-Emergency fund, why you need it, how much to keep in cash for emergencies.

-Paying off debt and investing at the same time - A warning

-What is investing, the basics. Stocks & Shares ISA vrs Pension

Here is Pete's 100k views video we reference

https://youtu.be/y-4s1wqwQ7k

- The different savings/investment boxes. ISA, Pension. We also touch on Lifetime ISA's.

-Money Mindset & money decisions are personal, Money is a great servant, but a lousy master.

-Ethical Investing

-We touch on Pensions, more to come next week when I interview Romi Savova, CEO of PensionBee

My new season of videos and podcasts for Mrs Mummypenny Talks is here. I have 13 incredible episodes winging their way to you every week. Each focuses on a chapter of my book The Money Guide to Transform Your Life. I will be talking to best experts in the finance business about each subject area, giving the best guidance and tips on each area.

Pete's social links are here. Along with my book, available for sale from my website or Amazon, also Pete's Book The Meaningful Money Handbook

https://www.instagram.com/meaningfulmoney.tv/

https://twitter.com/meaningfulmoney

https://meaningfulmoney.tv/

Pete's Book - Meaningful Money Handbook

https://amzn.to/3r1Ul0p

You can buy my book here for JUST £9.99. https://www.mrsmummypenny.co.uk/product/the-money-guide-to-transform-your-life/

Or get it from Amazon https://amzn.to/3BUCuuZ

My posts may contain affiliate links which just means I will get a small commission if you decide to sign up/buy ... this in no way affects the price you pay; think of it as you virtually saying 'thanks for sharing'! :)

This week I interview Patrick Venn, the founder of the Football Finance Academy. A business formed to help footballers with their finances. Focussed on the U18 and U23 squads, helping them to manage their money, before the big money arrives.

We talk about financial education, our own money beliefs. We talk Academy football and beyond. A brilliant conversation about football and finance, two areas that we both love.

https://www.footballfinanceacademy.com/

https://www.instagram.com/patrickvenn/

https://www.linkedin.com/in/patrickvenn/

Mrs Mummypenny Talks Ep 36 is a solo episode recorded Live on Facebook Tuesday lunchtime.

I talk about my mental and physical health and why I am detoxing. I talk spending diaries, lockdown week 13

https://www.mrsmummypenny.co.uk/monday-money-106-lockdown-spending-diary-week-13/

I talk about my new rules for work boundaries, and share upcoming interview guests on the Podcast.

Also a huge recommendation for the latest Money To The Masses Podcast on black economics matter. It is packed full of researched info that will shock you, educate you and will make you want to do things differently.

https://moneytothemasses.com/podcast

An absolute pleasure to talk to my friend, therapist, fellow blogger and author Becky Goddard-Hill about her incredible new book - Create Your Own Calm.

A book aimed at children aged 6 to 12. The book is packed full of so many activities to help calm your children from crafts to breathing exercises to getting out in nature. Super calming coping strategies that actually sound good to me to try out as an adult!

I love this conversation, Becky is such a calming and kind influence, you will feel incredibly soothed by this podcast, as I did by the end.

You can buy the book from Amazon here https://amzn.to/2HHdjVF

Also follow Becky on Instagram here, choc full of ideas for emotionally healthy kids! https://www.instagram.com/emotionallyhealthy_kids/

In this episode of Mrs. Mummy Penny Talks, Lynn Beattie interviews Faith Archer, a financial journalist, about the concept of financial freedom. They discuss the definitions of financial freedom and how it relates to happiness, as well as the FIRE (Financial Independence, Retire Early) movement. They also explore the difference between saving and investing, and the advantages of pensions and ISAs (Individual Savings Accounts) for achieving financial freedom.

The conversation emphasises the importance of starting early, managing expenses, and making informed investment decisions. The conversation explores the concept of financial freedom and the different factors that contribute to it. It discusses the importance of diversifying one's assets, including savings, investments, pensions, and property. The limitations of relying solely on property as a source of wealth are highlighted, such as the challenges of selling a house or borrowing against it.

The conversation also touches on the impact of major life events, such as divorce and having children, on one's financial situation. The role of financial education and upbringing in shaping money mindsets is discussed, as well as the importance of making conscious choices about spending and saving. The conversation concludes with a discussion on retirement planning and the factors to consider when aiming for financial freedom in later years.

Link to Season 5 Of Mrs Mummypenny Talks 7 Cost of Living Episodes https://www.youtube.com/playlist?list=PLpUldbwCohQGyTPRVAKxKwt0gfNyL31tg

Instagram Pages https://www.instagram.com/muchmore_less https://www.instagram.com/mrsmummypennyuk

This week its all about shopping and saving. As its Black Friday its a great time to save, or is it? I talk about the money saving side of Idealo where you can check the best price. Also dont forget cash back for extra discount stacking.

Or maybe think about gifting an experience rather than another thing.

Mrs Mummypenny Talk is back with Episode 4. This week I tell you all about the Aldi Christmas Event, along with the importance of money admin, and an admission of a mistake from me and a subsequent refund.

Episode 3 is all about the wonderful world of budgeting and I am joined by the ultimate budgeting expert Faith Archer, personal finance journalist and owner of Much More With Less website.

My new season of videos and podcasts for Mrs Mummypenny Talks is here. I have 13 incredible episodes winging their way to you every week.

Each focuses on a chapter of my book The Money Guide to Transform Your Life. I will be talking to best experts in the finance business about each subject area, giving the best guidance and tips on each area.

After looking at Money Mindset last week we need to shift to the first tool of money management. The spending diary and the budget that flow from that spending diary.  

We share practical tips on how to get started and how to create that budget with ease. And how to stick to it. We share information in an easy to digest manner with all the tools mentioned here, so you don't have too much of hard work.

In here is a spending diary AND budgeting tool you can download and use for you own spending.

https://www.mrsmummypenny.co.uk/the-money-guide-to-transform-your-life-tools/

Faiths website and social links are here. Along with my book, available for sale from my website.

https://www.muchmorewithless.co.uk/

https://twitter.com/MuchMore_Less

You can buy my book here https://www.mrsmummypenny.co.uk/product/the-money-guide-to-transform-your-life/

In episode FIVE of Mrs MummyPenny Talks Cost-of-Living with Much More With Less we look at making money.

We share our tried and tested ways to get some cash quickly, including:

Selling old tech, and how to get the best prices.

How and where to sell clothing, books and other household items

Mystery shopping

Renting out your spare room, your parking space, and even your possessions

Side hustles

We also share some experiences that haven’t worked as well for us, including:

Questionnaires and surveys

Matched betting

MLMs

It’s a great episode and will give you some ideas and practical tips on making some extra money!

Show Links:

We Buy Books

Vinted

Proinsight

Fat Llama
SuperLucky Di

Lightening Spots

Matched Betting Blog Post

Find Lynn here:

Instagram

Twitter

 www.mrsmummypenny.co.uk.

Find Faith here:

www.muchmorewithless.co.uk

Instagram  

Twitter

Find PensionBee here:

 Instagram

 website.

Episode 10 is all about PROTECTION. I am joined by Protection Expert Kathryn Knowles, Friend and MD of Cura Insurance.

https://www.curainsurance.co.uk/

-We started with a chat about Kathryn and Cura and why she does what she does. Cura are a specialist insurance broker who help people in complex situations with life insurance, income protection and critical illness. 

-We talk life insurance. What Is it? When and why do you need it? Affordability and Medical circumstances

-We talk about the value added benefits of insurance policies, access to GPs, counselling, physio all sorts. Who knew!!

-Income Protection Insurance. What is it when and why do you need it. Affordability

-Critical Illness Insurance. Same discussion, what, why, how!

My new season of videos and podcasts for Mrs Mummypenny Talks is here. I have 13 incredible episodes winging their way to you every week. Each focuses on a chapter of my book The Money Guide to Transform Your Life. I will be talking to best experts in the finance business about each subject area, giving the best guidance and tips on each area.

Kathryn's social links are here. Along with both my book, available for sale from my website or Amazon

https://twitter.com/Kathryn_Cura

https://www.curainsurance.co.uk/

Also I talk about LifeSearch - Another company I recommend as an insurance broker. Here is the referral link

https://www.lifesearch.com/partner-pages/oglanding?sc_camp=E8CD21D4C1444491ACDDC055CCFE814B&ls_camp=0

AND Our charity challenge!! Sponsor us here to 

https://www.justgiving.com/fundraising/mrsmummypenny4

You can buy my book here for JUST £9.99. https://www.mrsmummypenny.co.uk/product/the-money-guide-to-transform-your-life/

Or get it from Amazon https://amzn.to/3BUCuuZ

My posts may contain affiliate links which just means I will get a small commission if you decide to sign up/buy ... this in no way affects the price you pay; think of it as you virtually saying 'thanks for sharing'! :)

Episode 13 is all about Do What You Love, the last chapter of my book and where I would love everyone to end up doing to earn money, SOMETHING THAT THEY LOVE  I am honoured to be joined by Timi Merriman-Johnson Founder of Mr. Money Jar.

-We started with an intro to Timi and how he took the leap into full time Mr. Money Jar.

-We talk about risk management and emergency savings, which enabled both Timi (and I ) to take that leap.

-We talk about how to manage large amount of money after redundancy

-We are the sum total of our lives so far, good and bad.

-Making each day the best day it can be. With looping constantly evolution.

-Mindfulness, control the stuff you can control. The small things.

-How to become a successful blogger/influencer.

-How to nail Instagram as a content creator

-Be kind and nice, nurture relationships. Don't get jealous.

-Luck and hard work, talent, determination

-What is success? Success thresholds. 

-Therapy and its benefits. 

-Interview with Jennifer Broadley that we reference, previous podcast episode https://traffic.libsyn.com/secure/mrsmummypennytalks/Ep_45_Jennifer_Broadley_Healthy_Chat.m4a

-Mental health & Physical health and the importance of looking after oneself. 

-Making the World A Better Place

I loved this discussion, so inspirational, it really could change your life. Hugest thank you to Timi for your honesty and story telling.

Follow Timi on Instagram here https://www.instagram.com/mrmoneyjar/

My season of videos and podcasts for Mrs Mummypenny Talks is here. I have 13 incredible episodes winging their way to you every week. Each focuses on a chapter of my book The Money Guide to Transform Your Life. I will be talking to best experts in the finance business about each subject area, giving the best guidance and tips on each area.

My book, available for sale from my website or Amazon

You can buy my book here for JUST £9.99. https://www.mrsmummypenny.co.uk/product/the-money-guide-to-transform-your-life/

Or get it from Amazon https://amzn.to/3BUCuuZ

My posts may contain affiliate links which just means I will get a small commission if you decide to sign up/buy ... this in no way affects the price you pay; think of it as you virtually saying 'thanks for sharing'! :)

Exclude the blooper at the beginning, but I am sure it will make you chuckle:-) A podcast version of this interview:-)

Faith @Much More With Less and I Mrs Mummypenny - Personal Finance & Lifestyle Blog talk through every spend in your monthly budget, sharing ways how to save now and in the future during difficult times. #ad with PensionBee Packed full of top tips. (taking the place of #MrsMummypennyTalks this week)

I am spending the next few episodes of Mrs Mummypenny talks sharing content from my book ' The Money Guide to Transform Your Life.

This week I start at the beginning, Money Mindset. 

What are you money memories and how have they formed your money habits?

Buy my book from my website here

https://www.mrsmummypenny.co.uk/product/the-money-guide-to-transform-your-life/

Or from Amazon

https://amzn.to/2ZH5tRx

Episode 7 is all about FAMILY MONEY SAVING. I am joined by personal finance expert (The Frugal Cottage) and teacher Nicola Richardson.

We started with a bit of a chat about financial freedom and independence, being a specialist area of Nicola's.

We then began the family money saving chat.

- Early baby life, clothes, furniture, 2nd hand goods, try not to excessively spend, ignore the lists from the big retailers!

-Toddler life, Hand me Downs! Financial Awareness for Children, Selling stuff once its too small. Sell, Charity, give to friends.

-Childcare. The expense of it! Tax Credits, Childcare vouchers

-School time - Uniforms, After School clubs, Children Activities. Primary and Secondary School

-Days Out with the children

-Financial Education for Children -Junior ISAs, savings, investing for Children

-Apps, spending cards for children including Go Henry

Get a free £10 credit when you open a Go Henry card #aff https://www.gohenry.com/uk/influencerad-a/?promotion=LYNN10&ght=LYNN10

https://www.mrsmummypenny.co.uk/review-transferring-a-child-trust-fund-to-a-junior-isa-beanstalk/

You will save money after watching this video, or listening to this podcast!

My new season of videos and podcasts for Mrs Mummypenny Talks is here. I have 13 incredible episodes winging their way to you every week. Each focuses on a chapter of my book The Money Guide to Transform Your Life. I will be talking to best experts in the finance business about each subject area, giving the best guidance and tips on each area.

Nicola's website and social links are here. Along with both my book, available for sale from my website or Amazon https://www.instagram.com/thefrugalcottage/

Watch her brilliant YouTube channel here https://www.youtube.com/c/NicolaatTheFrugalCottage

You can buy my book here for JUST £9.99. https://www.mrsmummypenny.co.uk/product/the-money-guide-to-transform-your-life/

Or get it from Amazon https://amzn.to/3BUCuuZ

A few relevant articles that we mentioned that will help with money saving :- https://www.pensionbee.com/blog/2021/september/how-much-is-enough-pension-tips-and-guidance

https://www.mrsmummypenny.co.uk/half-term-ideas-children-free-low-cost/

https://www.mrsmummypenny.co.uk/how-much-does-it-cost-to-have-a-third-child/

https://www.mrsmummypenny.co.uk/review-transferring-a-child-trust-fund-to-a-junior-isa-beanstalk/

My posts may contain affiliate links which just means I will get a small commission if you decide to sign up/buy ... this in no way affects the price you pay; think of it as you virtually saying 'thanks for sharing'! :)

Ep 50 of Mrs Mummypenny Talks with guest Emma Maslin, Founder of the The Money Whisperer and The Money Lounge.

Emma is a real expert when it comes to money mindset and transformation. She is a certified money coach and works with women to understand why they do what they do with money. Getting back to the root cause of the why is the key to getting in financial control.

Check out her website https://themoneywhisperer.co.uk/

And Instagram https://www.instagram.com/moneywhisperer_/

In this episode, Lynn Beattie interviews Andrew Winton, her former boss, about career development and team building. Andrew shares his diverse career history, from selling courier services to managing online sales teams. He emphasises the importance of building trust and creating environments where people can be themselves. They also discuss the challenges faced by the print media industry and the value of high-quality journalism.

In this conversation, Andrew and Lynn discuss various topics related to work, personal growth, and networking. They touch on the importance of libraries, Andrew's career journey, and the value of building a strong network. They also recommend tools such as the StrengthsFinder and Love Languages assessments to better understand oneself and others.

The conversation concludes with a discussion on the benefits of travel and the potential for future podcasts on different life stages.

LinkedIn for Andrew Winton https://www.linkedin.com/in/globalmarketingleader/

LinkedIn for Lynn Beattie https://www.linkedin.com/in/lynn-beattie-bsc-acma-cgma-99031910/ Instagram for Lynn Beattie https://www.instagram.com/mrsmummypennyuk/

Love Languages https://5lovelanguages.com/

Strengths Finder https://www.gallup.com/cliftonstrengths/en/strengthsfinder.aspx

Faith Archer and I share our personal finance thoughts and predictions for 2020. Challenging times ahead with much help needed with money, we are both here to help out.

We talk emergency funds, pension payments, debt repayment, budgeting and so much more.

We reference a video we did in the 2020 lockdown where we share how to save money on every household expense, here is the link https://www.youtube.com/watch?v=pNYmARyOy78

Check out Faiths Blog here https://www.muchmorewithless.co.uk/

And join her Money Saving Facebook Group here. https://www.facebook.com/groups/muchmorewithless

My posts may contain affiliate links which just means I will get a small commission if you decide to sign up/buy ... this in no way affects the price you pay; think of it as you virtually saying 'thanks for sharing'! :)

Episode 9 of Mrs Mummypenny Talks with Ridley Writes Tackles the subject of Body Image.

A subject that I, Lynn, find it personally very difficult to deal with. We talk body positivity and the huge movement of women normalising bigger bodies.

We talk about my insecurities and feeling about my body image. I just cant do it, I cant think positively about my body. But Im trying.

For more info on Lynn and Becky, check out our websites. https://www.mrsmummypenny.co.uk/

https://ridleywrites.co.uk/

Music copywrite Dan Greensmith

A Christmas themed episode. I am talking money saving at Christmas on gifts, food and cards. I share my cashback secrets, and how I stacked discounts last week to save lots of money.

And I have Christmas competition!!

I did a Facebook Live telling everyone about a rather exciting Book Launch day. I've been up since 5am doing promotion. And hereth it begins forever and a day!

The Money Guide to Transform your life is published. 4 months after I began writing the book is finally here.

You can order a signed copy direct from my website, packaged up by me or one of my children. https://www.mrsmummypenny.co.uk/product/the-money-guide-to-transform-your-life/

Or you can order from Amazon

https://amzn.to/3lzzEnr

eBook and Audiobook coming soon.

For a bit of support I'm talking you through my thoughts on conserving cash. There are essential bills that you can put on pause. Cash into the emergency fund needs to be a priority at the moment. 

Plus a bit on home education and exercise. Give me strength.

My latest podcast in my interview series is with Catherine Morgan, the founder of The Money Panel

https://themoneypanel.co.uk/

We talk about the importance of financial mindset, how the past can have such a huge effect on your money beliefs. And we also discuss the important subject of women and finance, in particular financial abuse.

I share my personal story of a lifetime of debt. Then becoming credit card debt free and my guidance on how to pay off your debt. A clear step by step approach to get you debt free.

I read from chapter 4 of my book The Money Guide to Transform Your Life. If you want to buy the book..https://www.mrsmummypenny.co.uk/product/the-money-guide-to-transform-your-life/

An interview with Katy Phillips, head of PR and marketing at Idealo. Idealo is a brilliant website where you can compare online prices of all those items on your Christmas to buy list. Meaning you can find the best deal and SAVE money!

We talk about about how Idealo works, perfect timing for Black Friday.

Happy New Year with a new episode of Mrs Mummypenny Talks.

I share my goals for 2020, for my health, money, business, family.

And I talk savings. I share a way to get a free £10 gift for opening a Chip Auto-save app based account. (offer open until 14th Jan 2020). #aff https://www.getchip.uk/ps10-code-promo/promo-mummy-penny

I also talk coin jar/cash savings methods. Plus I share my ISA and pensions goals for the year.

Lifesearch Read my post for more info. Or go straight to Lifesearch fill in your details and they will give you a call https://www.lifesearch.com/partner-pages/oglanding?sc_camp=E8CD21D4C1444491ACDDC055CCFE814B&ls_camp=0

If you use my link and set up a protection policy you will get either £25 or £50 cash back to thank you for using my referral link. I get the same reward.

https://www.mrsmummypenny.co.uk/the-importance-of-life-insurance-ad/ Wills were mentioned as well.

Beyond Life are great, check out my post on wills https://www.mrsmummypenny.co.uk/how-to-save-money-when-youre-making-a-will/

My posts may contain affiliate links which just means I will get a small commission if you decide to sign up/buy ... this in no way affects the price you pay; think of it as you virtually saying 'thanks for sharing'! :)

For Episode 4 of our podcast we talk about motherless mothers.

Sadly something that we both have experienced, me Lynn at 16, Becky at 33. We share our stories and how it has changed us for the better and the worse.

For more info on Lynn and Becky, check out our websites. https://www.mrsmummypenny.co.uk/

https://ridleywrites.co.uk/

Music Copyright Daniel Greensmith All Rights Reserved

Lynn Beattie introduces Season 6 of Mrs MummyPenny Talks, focusing on big questions and specialist guests. The season will cover topics like happiness, financial freedom, debt, and female empowerment.

Lynn also discusses taboo subjects like death and aims to inspire insightful conversations. Mrs MummyPenny Talks, big questions, specialist guests, happiness, financial freedom, debt, female empowerment, taboo subjects, death, insightful discussions. 

My posts may contain affiliate links, which means I will get a small commission if you decide to sign up/buy. This does not affect your price; think of it as you virtually saying 'thanks for sharing'.

A podcast for the strange times we live in. This is what I am doing to get in control of feelings of panic around money. Budgeting and cash flow forecasting. Keeping a spending diary is really helping with feelings and awareness.

Mrs Mummypenny Talks S2 Ep 37 to Bola Sol, Founder of Refined Currency.

SUCH AN INSPIRATION, you must listen/watch this interview with Bola, a friend for five year in business.

We talk about anything and everything, from the set up of our businesses to a lot of talk about racism and sexism in our worlds.

I say it every week, but this is one of the best interviews ever!!

Thank you Bola for your honesty and authenticity.

Subscribe to her YouTube here https://www.youtube.com/channel/UCU3j3S_rKlo5P6HJtxo8GCQ

Follow her on Instagram here https://www.instagram.com/bola_sol/

For episode 6 of Mrs Mummypenny Talks with Ridley Writes we share all the financial solutions that every women needs to know and understand.

Finances are often a difficult area for women to talk about, packed full of shame and vulnerability and we want to change this.

We talked about:-

Debt Repayment

Savings & The Emergency fund

Investments and Pension

Protection and Wills

For Pensions I mentioned PensionBee http://refer.pensionbee.com/mQeBiQC with £50 to your pension pot if you sign up

For Investments Vanguard and Fidelity are great - low fees.

For Insurance and Protections Needs I recommend Lifesearch with £25 or £50 cash back for you. https://www.lifesearch.com/partner-pages/oglanding?sc_camp=E8CD21D4C1444491ACDDC055CCFE814B&ls_camp=0

For more info on Lynn and Becky, check out our websites. https://www.mrsmummypenny.co.uk/

https://ridleywrites.co.uk/

Music Copywrite to Daniel Greensmith

These links are affiliate links where I receive a small payment if you sign up, you will also receive a cash payment to say thank you too.

Episode 8 is all about HEALTHY WEALTH, BODY & MIND. I am joined by personal finance, investment and mental health expert Jennifer Kempson, AKA MaMa FurFur.

SUCH AN INCREDIBLE CONVERSATION. I love talking to Jen, so honest refreshing and so good at what she does. She is one of the few good people on YouTube.

-We talked about the importance of inside -out. Working on our mind before tackling issues with body or wealth. The opposite view that the world wants to take. 

- Everything in life is driven by thoughts and feelings

-Trauma Impacts on Life

-We discussed what you can control and how much power is given to money.

-We talked about the ripple effect of the work we do

-Mental health and death

-Healthy Body Mindset

-Healthy Financial Habits

I referenced an earlier chat I did with Jen in 2020 where we talked about her mental health story where she experiences a psychotic episode and was sectioned. Listen to that here.

https://www.youtube.com/watch?v=akkIJBdA7f8&t=58s

My new season of videos and podcasts for Mrs Mummypenny Talks is here. I have 13 incredible episodes winging their way to you every week. Each focuses on a chapter of my book The Money Guide to Transform Your Life. I will be talking to best experts in the finance business about each subject area, giving the best guidance and tips on each area.

Jens's website, YouTube and social links are here. Along with both my book, available for sale from my website or Amazon

https://www.instagram.com/mamafurfur/ 

Watch her brilliant YouTube channel here https://www.youtube.com/c/MamaFurFur

You can buy my book here for JUST £9.99. https://www.mrsmummypenny.co.uk/product/the-money-guide-to-transform-your-life/

Or get it from Amazon https://amzn.to/3BUCuuZ

My posts may contain affiliate links which just means I will get a small commission if you decide to sign up/buy ... this in no way affects the price you pay; think of it as you virtually saying 'thanks for sharing'! :)

Mrs Mummypenny Talks today features my exciting appearance on The Chase, a week of emotional spending and a tool to help me out. Plus the reverse advent calendar, a campaign from the UK Money Bloggers giving to local foodbanks.

In episode six of Mrs MummyPenny Talks Cost-of-Living with Much More With Less we’re talking about debt.

It’s a big subject and unfortunately, it’s going to become more of an issue as the cost-of-living crisis continues.

 In the episode we look at:

Good debt vs bad debt.  Debts is like fire - it can be incredibly useful, but it can get out of control easily.

Lynn shares her own story about getting in to, and getting out of, £16k of credit card debt.

We talk about the steps you should take to manage your debt and who you can turn to for support if you’re struggling.

Debt is not something to be ashamed of and there is no amount of debt that’s too big to tackle.  This episode will give you a place to start.

Show Links:

Debt Camel

Blog Post: I Paid off £16k of debt two year ago. Am I still debt free?

Blog Post: Why paying off debt is a lot like losing weight, and what to do about it

Step Change

Citizens Advice Bureau

National Debtline

Christians Against Poverty

Lynn’s most popular Instagram post!

Find Lynn here:

Instagram

Twitter

 www.mrsmummypenny.co.uk.

Find Faith here:

www.muchmorewithless.co.uk

Instagram  

Twitter

Find PensionBee here:

 Instagram

 website.

My latest excerpts of a chapter of my book The Money Guide to Transform Your Life.

This week its budgeting, the core of personal finance basics. I explain how to create a spending diary and use this to form the basis of your budget.

If you want to buy my book head here.

https://www.mrsmummypenny.co.uk/product/the-money-guide-to-transform-your-life/

A last chance reminder of the Chip free £10 offer.

Plus I talk about the impact Seasonal Affective Disorder has had on my life these past few months and what I have been doing in January to combat the feelings and move forward.

This week it is mental health awareness week. This is my mental health post about the past year of hell and then positivity.

https://www.mrsmummypenny.co.uk/mental-health-awareness-week-2020-loss-and-grief/

My spending diary is live for week 8 of lockdown https://www.mrsmummypenny.co.uk/monday-money-101-lockdown-spending-diary-week-8/

And I talk about my PensionBee Q&A with Faith Archer where we share our top tips on saving money on all bills and monthly costs. https://www.youtube.com/watch?v=pNYmARyOy78&t=241s

And I mention my up and coming Investment Q&A with Fidelity on Thursday 21st May at 12 noon on Instagram.

My posts may contain affiliate links or (link to sponsored content) which just means I will get a small commission if you decide to sign up/buy ... this in no way affects the price you pay; think of it as you virtually saying 'thanks for sharing'! :)

This week I talk to one of my favourite internet people and chat to Jordon Cox about his business https://jordoncox.com/ and life so far.

He shares his impactful story of early success in the couponing/money saving world. Gaining valuable experience at Money Saving Expert then setting up his own business, and starting self-employment in Jan 2020.

He also shares a personal story of true perseverance with his health, and near death experience. Plus of course many money saving tips and money making tips. A podcast you won't want to miss.

https://www.instagram.com/couponkiduk/

His Money Making article https://jordoncox.com/make-extra-money-during-lockdown/

My posts may contain affiliate links which just means I will get a small commission if you decide to sign up/buy ... this in no way affects the price you pay; think of it as you virtually saying 'thanks for sharing'! :)

Summary

In this episode, Lynn Beattie interviews Sammie from Up The Gains about why the nine-to-five work model is over. Sammie shares her journey from being in debt to building a successful business focused on personal finance. They discuss the importance of financial freedom, the connection between money and mental health, and the need for a shift in mindset towards entrepreneurship. Sammy emphasizes the power of self-employment in terms of flexibility, control over time, and the ability to make a positive impact. They also touch on the disadvantages of self-employment, such as loneliness and the need for work-life balance.

In this conversation, Lynn Beattie and Sammie discuss various topics including personal finance, taking risks, embracing change, and the impact of AI. They share personal experiences and insights, providing valuable advice and inspiration. The conversation emphasizes the importance of prioritizing one's own happiness and well-being, and encourages listeners to pursue their passions and overcome fear. They also recommend books and podcasts that can provide further guidance and motivation.

Follow Sammie on Instagram here Sammie Ellard-King | Financial Educator (@upthegainsmoney) • Instagram photos and videos

Follow Lynn on Instagram here Lynn James Beattie Mrs Mummypenny®️ (@mrsmummypennyuk) • Instagram photos and videos

Today I have guest James Dunlop from Wild Thyme Outdoors https://wildthymeoutdoors.co.uk/. We met at Standon Calling in the summer of 2018 and I loved what they stood for as a company teaching children about the wonders of outdoor living and woodland life.

Hear about the business, what they do and how they want to change the world educating our children.

We also talked about making mistakes in business, a frustrating but important part of SME life.

I talk Week 9 Lockdown Spending Diary

https://www.mrsmummypenny.co.uk/money-money-102-lockdown-spending-diary-week-9/

Academy Football update

https://www.mrsmummypenny.co.uk/may-2020-update-from-a-football-academy-parent/

Fidelity Investment Q&A

https://www.instagram.com/tv/CAcsZyOH1wq/

500km challenge to donate please..go here

https://www.justgiving.com/fundraising/lynn-beattie77

Emotionally Wealthy People Course

New contracts and security

Ep 44 of Mrs Mummypenny Talks sees me talk to Kat Byles, founder of True Business, that leads with your creative heart and honours you heart.

We talk business strategy from the heart, where mine and Kat's came from.

We share stories on burn out, inspiration. We talk Antigua (where Kat lives) and my visit in 2021 (was 2020).

A wonderful chat with an inspirational woman, who guides me in business every day.

www.katbyles.com

https://www.instagram.com/katbyles/

Episode 11 sees us talking about the BUSY life we lead as women.

Rest and productivity is discussed. How we can do things differently. To rest then do, rather than vice versa.

We talk about how life, particularly with small children is difficult, but suggest some great ways to cope.

And I talk about the feelings of guilt around a successful business that doesn't make me busy. Justifying a 4 hour day when i shouldn't be.

For more info on Lynn and Becky, check out our websites. https://www.mrsmummypenny.co.uk/

https://ridleywrites.co.uk/

Music copywrite Dan Greensmith

I recently had the pleasure of interviewing Cedric Menager, CEO of PagoFX, the new international money transfer service backed by Santander.

It’s a new way to transfer money around the world. We had a wonderfully inspiring conversation about PagoFX and how it works as well as the future of fin tech (financial technology brands) and traditional banking.

We also talked about money mindset, money needs and what money means to individuals. Plus, the shift the banking world needs to make to build trust and offer solutions to their customers. It is a brilliant conversation, well worth watching or listening to.

Read my blog post summary of the interview https://www.mrsmummypenny.co.uk/interview-cedric-menager-pagofx-international-payment-service/ 

Or direct download of the app here.

https://pagofx.com/?utm_source=mummypenny&utm_medium=referral&utm_campaign=influencer&utm_term=launch&utm_content=main

This is a collaborative post with PagoFX, backed by Santander.

This week I talk to Hollie founder of Thrifty Mum website. We talk about her journey to setting a website all about saving money, crafting, days out with the children. Hollie is now the consumer expert on Channel 4's 'Steph's packed lunch'.

We talk about ways to save money now, on food and other variable costs and we talk about ways to make money too.

A brilliant chat between two like minded personal finance experts!

Read more at Hollies website https://thriftymum.com/

Follow her on Instagram https://www.instagram.com/thriftymum/

Episode 10 of Mrs Mummypenny Talks with Ridley Writes. We cover this week the financial subject of 'How Much is Enough'.

How much do we need to save for that time when we want to stop working. Will we stop working?

We share some key information about pensions, state pension, national insurance credits and private pensions.

And I encourage you to check your pension to see how much you have and what they is worth at retirement. And to work out how much you need.

Accompanies by this article I wrote for PensionBee https://www.pensionbee.com/blog/2021/may/how-much-money-is-enough-for-your-future-retirement

For more info on Lynn and Becky, check out our websites. https://www.mrsmummypenny.co.uk/

https://ridleywrites.co.uk/ Music copywrite Dan Greensmith

Today I talk through some of the personal finance news stories of the week as per my first appearance on Talk Radio Business Breakfast. And what can you do to be more eco friendly for Christmas, maybe second hand christmas pressies?

For Episode 2 of our podcast we go deep. We are talking about the recent Everyone's Invited story.

Rape culture, sexual abuse and harassment, where so many are now sharing their stories.

We discuss how we talk about our experience with this and how it was normalised in our younger years. And how we can talk to our children about it to change attitudes for the future.

It also links into the importance of sharing your story, even if anonymously. Feeling like you are not the only one is a huge deal.

Have a read of the stories. https://www.everyonesinvited.uk/

For more info on Lynn and Becky, check out our websites. https://www.mrsmummypenny.co.uk/

https://ridleywrites.co.uk/

Music Copyright Daniel Greensmith All Rights Reserved

I chat to Jennifer Broadley this week in episode 45 of Mrs Mummypenny Talks.

Jennifer is the founder of Healthy Chat. Human Givens Therapy. https://healthychat.co.uk/

Also the founder of Jennifer Broadley Executive Coaching https://www.jenniferbroadley.com/

Jennifer's Working Mums Divorce Recovery Facebook Group https://www.facebook.com/groups/263671847600784/

Jennifer was my therapist during 2020, so expect an honest and frank conversation about therapy, what it means, how it helps.

We discuss mental health on the NHS, the real value of mental health support.

We talk divorce reality and support and the on-going issue of women doing it all.

An incredible chat well worth an hour of your time.

In episode four of Mrs MummyPenny Talks Cost-of-Living with Much More With Less we look at how to save money on essential bills.  

We talk about the financial housekeeping that will help you understand where your money is going and where you can cut expenses.

Then we tackle…

Mortgages, rent and council tax – how to ensure you’re getting the best possible deal.

Water bills and water saving tactics

Mobile phones and broadband savings

Insurance – which ones do you really need?

Travel – getting the cheapest petrol and letting the train take the strain

It’s an episode packed full of practical tips to slash your monthly expenses

Show Links:

Trussle

TopCashBack

Blog post:  Summer holiday ideas to keep the children entertained for free

Blog Post: My 5 favourite cheap and free family days out in the school holidays

Instagram Live: Free and cheap things to do with the kids

Find Lynn here:

Instagram

Twitter

 www.mrsmummypenny.co.uk.

Find Faith here:

www.muchmorewithless.co.uk

Instagram  

Twitter

Find PensionBee here:

 Instagram

 website.

For our final episode of this season weve gone rogue.

We decided to record our last episode live and off the cuff. Apologies for the audio quality, it appears that Instagram Live does not result in brilliant audio quality. Promise Ive tried to edit out all the really annoying screechy bits.

We discuss things like

Proudest Moment

Advice we would give to our 18 year old self

Biggest financial mistake and success

Biggest Regret

Where will we be in 10 years time

Sliding door moment

THANK YOU for all your support this season. We will be back in Sept with more incredible content for women, and will be interviewing women. On Zoom, never on Instagram again!

Pod Music, Written & Copywrite to Dan Greensmith

https://ridleywrites.co.uk/

https://www.mrsmummypenny.co.uk/

Episode 12 sees us talking about reinvention.

It recently struck me that women often have to reinvent themselves every time a big life event happens. Changing jobs, having children, caring for parents, children leaving home, going to university, hitting the menopause.

But yet men (generally) don't seem to do the same thing?

We discuss the impact of reinvention, when it is a hugely positive thing. And also define 'running away'.

We have both been through many reinventions, intentionally and non-intentionally and discuss lots of life experience, as always. shouldn't be.

For more info on Lynn and Becky, check out our websites. https://www.mrsmummypenny.co.uk/

https://ridleywrites.co.uk/

Music written and produced by Dan Greensmith. Copywrite. Podcast and YouTube produced by Lynn Beattie

An interview with David Hopkins Founder & MD of ProInsight Mystery Shopping Hannah Weekes Operations Manager.

My mystery shopping company of choice. I have been a shopper for Proinsight for a couple of years and have reviewed local gyms, spa days, sushi counters and coffee shops! The spa days are my favourite, getting paid to go to the spa to review it is the best.

We talk about the importance of customer service and mystery shops for a brand. And we talk about how it is a perfect way to earn some extra cash.

If you are interested in speaking to Proinsight about mystery shopping for you company visit this link https://www.mysteryshoppingexperts.co.uk/mrsmummypenny

AND if you are shopper wanting to sign up you can register here also. https://www.mysteryshoppingexperts.co.uk/mrsmummypenny

This is not ad, I'm not being paid. But I will get a small affiliate commission if you sign up as a shopper, a bit more if you sign up as a client to use ProInsight as your mystery shopping provider.

This week I talk about ways to get a cash quickly and to save money now and in the coming months. It wont take long and could generate hundreds. I found an extra £103 today from one method alone.

Today I talk about saving energy and money with my smart meter. Plus ten year planning for finances, what are your plans for pension, investments, mortgage and shorter term emergency and holiday savings.

For episode 8 we talk about Mental Health.

A subject that we should always talk about and normalise. And something that I have plenty of experience with.

We talk about mental health illness including depression, SAD, grief, being sectioned.

We talk about medication, talking therapies and what we can do to help friends who maybe experiencing mental health issues.

We mentioned some resources who can help

Samaritans https://www.samaritans.org/

NHS Page full of great advice on how to find counsellor’s in your area https://www.nhs.uk/mental-health/talking-therapies-medicine-treatments/talking-therapies-and-counselling/counselling/

Step Change www.stepchange.org

Citizens Advice https://www.citizensadvice.org.uk

For more info on Lynn and Becky, check out our websites. https://www.mrsmummypenny.co.uk/

https://ridleywrites.co.uk/

Music copywrite Dan Greensmith

For Episode 3 of our podcast we talk about the inevitable battle that so many women face. The balance of life. Work, motherhood, selfcare, friends.

We discuss the pressures and expectations of motherhood. Along with the realities of how careers often stall at the point of motherhood, particularly with young children.

With lots of experience from us.

For more info on Lynn and Becky, check out our websites. https://www.mrsmummypenny.co.uk/​

https://ridleywrites.co.uk/

In this conversation, Lynn Beattie interviews Alexander Thomas of Wealth by Alex about saving and investing for the future. They discuss the importance of explaining financial concepts in simple terms and the need for individuals to take control of their finances. They also touch on the authenticity of social media and the importance of doing due diligence when consuming financial content. 

The conversation covers the topics of emergency funds, income protection insurance, and short-term savings. In this conversation, Alexander Thomas and Lynn Beattie discuss various aspects of personal finance, including short-term and medium-term financial planning, the differences between investing in stocks and shares ISA and a pension, and the importance of saving for the future. They emphasize the need for a balanced approach to financial planning, where individuals can enjoy the present while also preparing for unexpected events and securing their financial future.

Alex instagram

Alexander J. Thomas | Financial Adviser (@wealthbyalex) • Instagram photos and videos

Lynn Mrss Mummypenny Instagram

https://www.instagram.com/mrsmummypennyuk/

Mrs MummyPenny Talks is back! This season I’ll be joined by Faith Archer of ‘Much More With Less’ and our seven episodes will focus on practical advice for dealing with the Cost-of-Living Crisis. We’re grateful to our sponsors, PensionBee, who are on a mission to make pensions simple. Episode One is an introduction. Get to know Faith and I as we share a little bit of our backgrounds and run through the upcoming episodes. Episode Two is all about food. It’s one of the biggest bills for most families and we’ll be sharing our tips for budgeting. Episode Three focuses on the topic everyone is talking about right now, energy. Which happens to my area of expertise. Episode four will cover essential bills beyond food and energy. What do you absolutely have to pay for? What can you ditch? And what can you switch? In Episode Five we talk about making money. What works? And what should you avoid? We share our tried and tested ways of raising extra cash. Episode Six is dedicated to debt. It’s a very tricky subject but we want to open up and share some very personal experiences with you. Episode Seven will focus on the future. We all need savings, whether they’re for Christmas or our retirement. In this episode we’ll discuss the importance of savings and how you can get started – even in these difficult times. We’re really excited about this season, and we’ll be sharing all of our tips, advice and experience to get you through the Cost-of-Living Crisis. Find Lynn here: Instagram Twitter www.mrsmummypenny.co.uk. Find Faith here: www.muchmorewithless.co.uk Instagram Twitter Find PensionBee here: Instagram website.

Episode 6 is all about FOOD MONEY SAVING. I am joined by money writer and cook Amy Sheppard.

We talk about everything to do with food money saving. I loved this chat.

- Meal planning

-Slow cookers

-Energy savings

-Spending diaries & honesty with food spending

-Eat more vege, healthy eating on a budget

-Food waste

-Takeaways

-Food Boxes

-Packed lunches

-School dinners

You will save money and be inspired after watching this video, or listening to this podcast!

My new season of videos and podcasts for Mrs Mummypenny Talks is here. I have 13 incredible episodes winging their way to you every week. Each focuses on a chapter of my book The Money Guide to Transform Your Life. I will be talking to best experts in the finance business about each subject area, giving the best guidance and tips on each area.

Amy's website and social links are here. Along with both our books, available for sale from my website or Amazon

https://www.instagram.com/amysheppardfood/

Amy's Books Hob - Published 2020 - VERY Good!! https://amzn.to/3na16d2

The Savvy Shoppers Cookbook - Published 2017 https://amzn.to/3lT2vW4

You can buy my book here for JUST £9.99. https://www.mrsmummypenny.co.uk/product/the-money-guide-to-transform-your-life/

or get it from Amazon https://amzn.to/3BUCuuZ

A few foody apps or services that we mentioned that will help with money saving :-

Mindful chef use my email address as referrer to save yourself 25% off your first 4 boxes. lynn@mrsmummypenny.co.uk. I will also get a £10 credit.

Top Cash Back We both get a credit to our accounts https://www.topcashback.co.uk/ref/lynnbeattie

Octopus Energy - £50 credit to each of us share.octopus.energy/light-human-543

Earth & Wheat Save £1 on first box https://checkout.earthandwheat.com?r=449787&s=14279

Shopmium https://www.shopmium.com/uk

Please enter the code S4UQ7U to get a free tube of Pringles, I get £3 credited to my account!

Pro Insight Mystery Shopping -free food! https://www.mysteryshoppingexperts.co.uk/mrsmummypenny

Energy Savings post https://www.mrsmummypenny.co.uk/energy-saving-tips-to-save-you-money/

My posts may contain affiliate links which just means I will get a small commission if you decide to sign up/buy ... this in no way affects the price you pay; think of it as you virtually saying 'thanks for sharing'! :)

My last podcast of 2019 includes my money saving highlights from the year including paying the lowest amount for your bills, travel savings and entertainment savings.

Plus self employment vrs employment. What benefits do you miss out on when self-employed.

S2 Ep 42 of Mrs Mummypenny Talks sees me talk to Cherry Woods a self-employed business owner of Cherry Woods Skin Clinic in Richmond.

We and our children bonded on holiday in 2017 over much rose wine and stayed in touch. I reached out to Cherry as I was keen to highlight her plight, a facial beauty specialist who's business has totally stopped over lockdown and she is STILL not allowed to return.

The contradiction in business rules at the moment is unacceptable. With hairdressers allowed to return to trimming mens beards but other facial care (for women) is not allowed. Facials, brows, lashes. We talk about the issues and the solutions. Government you need to listen.

Cherrys Website https://www.cherrywoodsclinic.com/

And follow her on Instagram https://www.instagram.com/cherrywoodsskin/

I am the winner of the 2020 UK Money Blogger award for best Family Money Blog!!

To celebrate this week I am talking family money saving. Talking babies, childcare, school costs, uniforms, activities, days out with the children.

Lots of ideas and more can be found in my my book The Money Guide to Transform Your Life

https://www.mrsmummypenny.co.uk/product/the-money-guide-to-transform-your-life/

In episode three of Mrs MummyPenny Talks Cost-of-Living with Much More With Less it’s the topic that we’re all focused on right now, energy. The energy prices are a nightmare, but we do have some tried and tested tips to help you save money.

In this episode we look at ways to save on heating your home, how to cut the hot water bill, tips to save energy in the kitchen, smart meters, and much more..

Everything helps right now, and all of the small changes that we suggest in the show can add up to big savings.

And, for those of you who have energy bills that are completely unmanageable, we have some advice on the next steps to take.

Show Links:

Energy Savings Trust

Introducing the Samsung SmartThings Energy App - (mrsmummypenny.co.uk)

https://amzn.to/3D22xDy - RAD BOT £51 as at 17th Oct

Find Lynn here:

Instagram

Twitter

 www.mrsmummypenny.co.uk.

Find Faith here:

www.muchmorewithless.co.uk

Instagram  

Twitter

Find PensionBee here:

 Instagram

PensionBee Wesbite http://refer.pensionbee.com/mQeBiQC

Episode 12 is all about Pensions. One of my FAVOURITE subjects in Personal Finance.  I am honoured to be joined by CEO of PensionBee Romi Savova.

I must start by declaring my ambassadorship and sponsorship with PensionBee. We have worked together for five years.  

Risk warning

As always with investments, your capital is at risk. The value of your investment can go down as well as up, and you may get back less than you invest. This information should not be regarded as financial advice. This post was written in collaboration with PensionBee.

If you choose to sign up to Pensionbee using my Referral Link we both get £50 added to our Pension Pots. 

http://refer.pensionbee.com/mQeBiQC

This conversation was incredible. It's so refreshing to get such honesty from a CEO of large Pensions Company, about all things pensions and personal finance.

-We started with an intro to Romi and how she came up with the idea of PensionBee and how it grew into the company it is now. 

-An idea that started with one person. Its inspirational!

-We discuss pension basics, starting with employed pensions, then self employed pensions

-We talk un paid work and how we need better gender balance of home work and thus salary and pensions. 

-We talk about the tax benefit of pensions.

Note as mentioned in pod, you can go back four years to claim higher rate pension tax credit from previous tax years. Also the 19% corporation tax changes apply to small companies with profit under £50k from 1 April 2023.

-Check you NI credits here https://www.gov.uk/check-national-insurance-record

- We talked about my State Pension Challenge  https://www.mrsmummypenny.co.uk/state-pension-challenge-the-results/

- How much I enough, when can you retire

- Ethical Investing and Fossil Fuel Free Pensions

-The future of pensions and the Pension Dashboard.

A BRILLIANT DISCUSSION

My new season of videos and podcasts for Mrs Mummypenny Talks is here. I have 13 incredible episodes winging their way to you every week. Each focuses on a chapter of my book The Money Guide to Transform Your Life. I will be talking to best experts in the finance business about each subject area, giving the best guidance and tips on each area.

My book, available for sale from my website or Amazon

You can buy my book here for JUST £9.99. https://www.mrsmummypenny.co.uk/product/the-money-guide-to-transform-your-life/

Or get it from Amazon https://amzn.to/3BUCuuZ

My posts may contain affiliate links which just means I will get a small commission if you decide to sign up/buy ... this in no way affects the price you pay; think of it as you virtually saying 'thanks for sharing'! :)

The conversation covers a wide range of topics related to happiness, personal experiences, and strategies for achieving contentment. It delves into the role of genetics, environment, and personal choices in determining happiness.

The Pursuit of Happiness website is referenced, and the importance of relationships, journaling, and other factors in promoting happiness is discussed. The conversation covers a wide range of topics related to happiness, relationships, self-love, spirituality, mental health, and the pursuit of contentment.

It delves into the impact of love bombing, the importance of self-love, the role of spirituality, and the significance of positive mindset and gratitude. The discussion also touches on the influence of money, the fleeting nature of happiness, and the value of self-compassion and mindfulness.

Follow us both on Instagram

https://www.instagram.com/mrsmummypennyuk

https://www.instagram.com/mrmoneyjar

My posts may contain affiliate links which just means I will get a small commission if you decide to sign up/buy ... this in no way affects the price you pay; think of it as you virtually saying 'thanks for sharing'! :)

This week its me talking money saving on all your essential bills. 

I explain ways to save on all regular bills, including mortgage, rent, council tax, energy, broadband, mobile phone, TV package, insurances.

I mention a few companies that will help you to save money on your essential bills

Trussle Independent Mortgage Broker

http://ssqt.co/mzgdRSs

Top Cash Back

https://www.topcashback.co.uk/ref/lynnbeattie

Octopus Energy

share.octopus.energy/light-human-543

Episode 4 is all about the challenging subject of debt. I am joined by the best expert in debt that I know, Sara Williams, Debt advisor of 20 years and owner of the website Debt Camel.

Prepare yourself, this is a long podcast, at just over 1 hour. But its PACKED full of the most amazing guidance and advice.

My new season of videos and podcasts for Mrs Mummypenny Talks is here. I have 13 incredible episodes winging their way to you every week. Each focuses on a chapter of my book The Money Guide to Transform Your Life.

I will be talking to best experts in the finance business about each subject area, giving the best guidance and tips on each area.

After episode 3 discussing money management and budgeting I move onto debt with Sara.

The podcast is split into 3 distinct parts :- 1) How to pay off debt that you can afford to pay off. 2) How to pay off debt when you need to reduce your expenditure 3) What do you do if you cant afford minimum payments, and cant afford priority debts (mortgage, rent, council tax, energy)

We share practical tips on how to face the debt, how to organise it, what to do to pay it off, who to speak to.

We do talk budgets that you can download a tool from here to complete.

https://www.mrsmummypenny.co.uk/the-money-guide-to-transform-your-life-tools/

Sara's website and social links are here. Along with my book, available for sale from my website.

https://debtcamel.co.uk/

https://www.instagram.com/debtcamel/

You can buy my book here

https://www.mrsmummypenny.co.uk/product/the-money-guide-to-transform-your-life/

Its episode 10 and I am talking how to save money on your regular bills. Sharing more content from my book 'The Money Guide to Transform Your Life'.

From mortgage, to council tax to energy to broadband and mobiles. Its all in here.

A few of my recommendations...

Trussle for an independent mortgage broker

http://ssqt.co/mzgdRSs

Octopus Energy

share.octopus.energy/light-human-543

And my book can be bought here

https://www.mrsmummypenny.co.uk/product/the-money-guide-to-transform-your-life/

My new season of videos and podcasts for Mrs Mummypenny Talks is here. I have 12 incredible episodes winging their way to you every week.

Each focuses on a chapter of my book The Money Guide to Transform Your Life. I will be talking to best experts in the finance business about each subject area, giving the best guidance and tips on each area including

Budgeting

Family Money Saving

Bills Money Saving Tips

Debt

Food Money Saving

Savings & Investments

Pensions

For episode 1 I introduce the new season and share My Story. My life and the events, feelings that have impacted my financial life. It's not been easy, there has been some big things that could have floored me. But each event has shaped me a person, particularly my money mindset.

You can buy my book here https://www.mrsmummypenny.co.uk/product/the-money-guide-to-transform-your-life/

 In episode seven of Mrs MummyPenny Talks Cost-of-Living with Much More With Less we’re looking at the future.

We’re right in the middle of the cost-of-living crisis, so if you're struggling to make ends meet, how can you put yourself in a better position in the future? This episode is focused on all of those small things we can do now to make a difference to our long-term finances.

We also look at the importance of pensions and why we should contribute as much as we can and as for as many years as we can.

It’s hard to plan ahead when the present is so tough, but this episode will help you to start making a difference to your future.

Show Links:

Chip

Pension Wise

Find Lynn here:

Instagram

Twitter

 www.mrsmummypenny.co.uk.

Find Faith here:

www.muchmorewithless.co.uk

Instagram  

Twitter

Find PensionBee here:

 Instagram

 website.

A wonderful chat with Personal Finance Journalist and Blogger Kara Gammell.

We talk about finance for women. And cover so much, inequality in salary, pensions, National Insurance, career progression, life insurance, income protection insurance. We covered so so much. Sharing many personal stories. Women you will enjoy.

Kara's website https://yourbestfriendsguidetocash.co.uk/ Kara's Instagram & Twitter https://www.instagram.com/yourbestfriendsguidetocash/ https://twitter.com/KaraGammell

We mentioned a few brands and financial issues/products

My Book The Money Guide to Transform Your Life 

https://www.mrsmummypenny.co.uk/product/the-money-guide-to-transform-your-life/

Lifesearch Independent Insurance Broker - We both get a cashback boost if you take out a new insurance policy. Either £25 or £50 for you depending on value of policy. https://www.lifesearch.com/partner-pages/oglanding?sc_camp=E8CD21D4C1444491ACDDC055CCFE814B&ls_camp=0

Trussle Independent Mortgage broker (Life & Income Protection Insurance) We both get £100 Amazon vouchers if you switch or take a new mortgage http://ssqt.co/mzgdRSs

Wills - A post about writing a will, collab with Beyond.Life https://www.mrsmummypenny.co.uk/how-to-save-money-when-youre-making-a-will/

For Episode 13 Bec and I talk about the book writing process.

How to formulate that idea, how to gain the confidence and kick off that idea and the writing process.

Everyone has a book in them!

Bec is a writing coach and helps women to share their story. And I have written two books. Bec was an integral part of my book writing process in 2020.

The Money Guide to Transform Your Life was published in Sept 2020. https://www.mrsmummypenny.co.uk/product/the-money-guide-to-transform-your-life/

Blogging Your Way to Riches was published in 2017 https://amzn.to/3hgYKre

I mentioned an article on self publishing a book, here it is https://www.mrsmummypenny.co.uk/how-to-write-and-publish-a-book-the-money-guide-to-transform-your-life/

For more info on Lynn and Becky, check out our websites. https://www.mrsmummypenny.co.uk/

https://ridleywrites.co.uk/

Music written and produced by Dan Greensmith. Copywrite. Podcast and YouTube produced by Lynn Beattie

For episode 5 of Mrs Mummypenny Talks with Ridley Writes we share our favourite iconic books by women writers. From books we read in our youth to now!

Enid Blyton - Famous Five, Magic Faraway Tree

Judy Blume, Forever

Eleanor M Brent-Dyer - The Chalet School books;

Daphne Du Maurier - Rebecca ;

Francine Pascal - Sweet Valley High;

Madeline L'Engle - A ring of pure and endless light;

Ursula Le Guin - Earthsea trilogy;

Virginia Andrews Flowers in the Attic; Virginia Woolf - Mrs Dalloway and To the Lighthouse;

Sara Maitland - The Far North and other Dark Stories;

Doris Lessing - The Golden Notebook;

Maya Angelou - I know why the caged bird sings and all her poetry (Still I rise and Phenomenal Woman being two brilliant ones);

Audre Lorde - Sister Outsider;

Toni Morrison - Beloved

Susan Jeffers - Feel the Fear and Do it Anyway

Brene Brown - Braving the Wilderness and

Finally the queen Glennon Doyle - Untamed For more info on

Lynn and Becky, check out our websites. https://www.mrsmummypenny.co.uk/

https://ridleywrites.co.uk/

Music Copywrite to Daniel Greensmith

S2 Ep 6 of Mrs Mummypenny Talks. This week I talk emotional spending and emotional eating. Plus a bit about how financial planning works. Links to blog posts on same subjects. 

https://www.mrsmummypenny.co.uk/emotional-spending-and-emotional-eating-is-there-a-link/

https://www.mrsmummypenny.co.uk/how-does-financial-planning-work-financial-review-drewberry/

I share my money saving tips and spends from my holiday in Norfolk. Plus a spending diary review and the launch of the Foodbank Advent.

An introduction to Series 2 of Mrs Mummypenny Talks

I have relocated my recording studio to the cupboard under my stairs! Perfect audio in a small space with soft edges. No more music or mentions of a radio station, Mrs Mummypenny is going it alone with the podcast. Join me for a chat every week for 20 to 30 minutes. Talking money saving, life and everything else surrounding it.

I will record on Facebook Live every week and will share onto YouTube and podcast sharing channels every week.