17 episodes

Hello, I am Emilie Bellet, founder of Vestpod, a digital platform and thriving community that financially empowers women. I’m also the author of the Amazon bestselling book You’re Not Broke, You’re Pre-Rich.
Each week, I’ll be having an honest money conversation with a range of amazing guests from all walks of life - employees, freelancers, entrepreneurs and financial experts.  
We want you to get talking about money and be inspired by your financial capabilities. Whether you’re a finance newbie struggling with your overdraft and credit card debt or the wolf of Wall Street — this podcast is for you. 
It’s going to be practical, fun and most certainly not formal financial advice.

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The Wallet Emilie Bellet

    • Education
    • 5.0 • 2 Ratings

Hello, I am Emilie Bellet, founder of Vestpod, a digital platform and thriving community that financially empowers women. I’m also the author of the Amazon bestselling book You’re Not Broke, You’re Pre-Rich.
Each week, I’ll be having an honest money conversation with a range of amazing guests from all walks of life - employees, freelancers, entrepreneurs and financial experts.  
We want you to get talking about money and be inspired by your financial capabilities. Whether you’re a finance newbie struggling with your overdraft and credit card debt or the wolf of Wall Street — this podcast is for you. 
It’s going to be practical, fun and most certainly not formal financial advice.

See acast.com/privacy for privacy and opt-out information.

    How can technology help us manage our money better with Nina Mohanty

    How can technology help us manage our money better with Nina Mohanty

    As the pandemic continues to impact personal finances across the world, research shows that women and minority groups are being disproportionately affected. That's why it's increasingly important that financial products, such as bank accounts, savings products and financial advice, are accessible and inclusive for everyone. 
    The FCA estimates that in the UK, 1.3 million adults don’t have access to a bank account. Can technology, and the rise of online banks like Starling or Monzo, help make personal finance more inclusive and empower customers to take control of their money?  
    My guest today is Nina Mohanty - a financial technology expert - who has had an incredible career in the financial tech industry, working with some of the biggest startups that have transformed the way we manage our money. 
    Nina is an advocate for financial inclusion, working on products that champion inclusion and help users build financial resilience, allowing them to be more prepared for life’s unexpected events as well as it's opportunities. Today, Nina shares with us her personal, and professional financial journey. We talk about how the fintech industry evolved and what happens at the crossroad of financial services and technology and how fintech can empower people to make better financial decisions. Nina is very honest about her own financial journey (she’s all about transparency!), tells us how she got into debt, and gives us her top apps and tools that have aided her to spend, save and to get started investing.  
    You can follow and connect with Nina at: 

    Twitter: www.twitter.com/ninamohanty Instagram:@nina.mohanty 
    Nina shared some great resources in this episode. All the links are below:

    Chip: www.getchip.ukPension Bee: www.pensionbee.comMonzo: www.monzo.comStarling: www.starlingbank.com Wealthify: www.wealthify.comNutmeg: www.nutmeg.comWealthSimple: www.wealthsimple.comMoneyBox: www.moneyboxapp.comMoneyFarm: www.moneyfarm.comPatricia Bright’s budgeting tips: https://www.youtube.com/watch?v=CC5dXZYTO1A ElleVest in the US: https://www.ellevest.com/Instagram-hyped fintech Lanistar not authorised, warns FCA: https://www.ft.com/content/31597fd6-4794-4634-8991-bd373b7d8a18 Investment protection by the FSCS: https://www.fscs.org.uk/what-we-cover/investments/
    *Remember: the value of investments can go down as well as up so you may get back less than you invest. Always do your own research - and note that what we discussed in the podcast is not a personal recommendation for any particular investment.*
    You can learn more about Vestpod and subscribe to our newsletter here: https://www.vestpod.com. You can follow us on Instagram @vestpod and join our Facebook group. My book is available to purchase from Amazon and your favourite bookshop.
    * Please note that we are not certified, financial advisers! The articles and information made available on Vestpod and this podcast are provided for information and educational purposes only and do not constitute financial advice. You are advised to consult with an independent financial advisor for advice on your specific circumstances.*



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    • 43 min
    Championing diversity in the financial industry, with Bev Shah

    Championing diversity in the financial industry, with Bev Shah

    While the lack of diversity in the financial industry has been well documented, it's still shocking to hear that, according to Morningstar, “there are more funds run by men named David, than there are female fund managers in total”. 
    This is despite research by the Pipeline showing that diverse teams and ‘firms with more female executives’ actually 'perform better'. 
    So why is the financial industry lacking in diversity and what effect is this having on people who want to invest their money? 
    My guest today is Bev Shah, founder of City Hive, a network that champions equality and inclusive culture within the investment sector. With 15 years of experience in the city, Bev is passionate about increasing cognitive, cultural, racial and gender diversity in the financial industry to ensure it becomes both more accessible, but also future-proof. 
    Together we look at the barriers women face in finance, the wealth and gender pension gaps, as well as the benefits that will come from creating a more diverse and open industry. Bev talks about recognising the power you have when investing money and how to get started, and shares her tips for navigating and understanding the industry. Instead of looking at what’s wrong with women, we’re talking about what the industry can do to change things.
    You can follow and connect with Bev at: 

    CityHive: https://www.cityhive.co.ukTwitter: https://twitter.com/thediversegirl Linkedin: https://www.linkedin.com/in/bevshah/ 
    Bev shared some great resources in this episode. All the links are below:

    The Big Short Film: https://www.imdb.com/title/tt1596363/The Big Short: Inside the Doomsday Machine by Michael Lewis: https://www.amazon.co.uk/Big-Short-Inside-Doomsday-Machine/dp/0141043539The Big Exchange: https://www.bigexchange.com/ 
    You can learn more about Vestpod and subscribe to our newsletter here: https://www.vestpod.com. You can follow us on Instagram @vestpod and join our Facebook group.
    My book is available to purchase from Amazon and your favourite bookshop.
    * Please note that we are not certified, financial advisers! The articles and information made available on Vestpod and this podcast are provided for information and educational purposes only and do not constitute financial advice. You are advised to consult with an independent financial advisor for advice on your specific circumstances.*


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    • 52 min
    Is now the right time to buy a property, with Sarah Davidson

    Is now the right time to buy a property, with Sarah Davidson

    Since reopening after lockdown, the property market has been incredibly active with record house sales being reported in the UK. Rightmove claims that “prices are now 5.5% higher than a year ago, the biggest rate of increase for over four years” and is “now forecasting annual growth rate to peak at circa 7% by December”. 
    Thanks to government incentives such as the stamp duty holiday, it may look like an attractive time to move house or buy your first property. But what effect is the Covid-19 pandemic actually having on the property market?
    My guest today is Sarah Davidson, knowledge and product editor of This is Money at the MailOnline, and my go-to expert when it comes to mortgages and property. 
    Together, we take a look at how the current conditions can affect buying your first property, the impact the pandemic is having on lenders and the mortgage market, and tips for how to best position yourself to buy a home. 
    With many people finding themselves on furlough or losing their jobs due to the pandemic, Sarah also shares some valuable insights into the mortgage holidays available for homeowners and guidance for renters if you’re struggling to pay your rent right now. 
     
    You can follow and connect with Sarah at: 

    Twitter: www.twitter.com/SarahDavidson This is money: www.thisismoney.co.uk/money/index.html
    Sarah shared some great resources in this episode. All the links are below:

    House price index by Rightmove: https://www.rightmove.co.uk/press-centre/house-price-index/october-2020/ Find latest mortgage rates: https://www.thisismoney.co.uk/money/mortgageshome/index.html True cost mortgage calculator: https://www.thisismoney.co.uk/money/mortgageshome/article-1633400/Mortgage-calculator-Compare-true-cost-rates-fees.html 
    You can learn more about Vestpod and subscribe to our newsletter here: https://www.vestpod.com. You can follow us on Instagram @vestpod and join our Facebook group. My book is available to purchase from Amazon and your favourite bookshop.
    * Please note that we are not certified, financial advisers! The articles and information made available on Vestpod and this podcast are provided for information and educational purposes only and do not constitute financial advice. You are advised to consult with an independent financial advisor for advice on your specific circumstances.*


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    • 47 min
    How to talk to your kids about money, with Helen Driver

    How to talk to your kids about money, with Helen Driver

    Financial education has been a part of the compulsory national curriculum in England since 2014. However, in 2017, a study released by Young Money, titled “The Ticking Time Bomb of Generation Debt” was critical of many secondary schools and said that education about money has stalled.
    Also, according to the London Institute of Banking and Finance “after five years of financial education being in the national curriculum, it’s not adding up for young people. 69% of students still regularly worry about money and 82% want to learn more about money in school.” 
    With our financial habits formed as young as 7 years old, as parents or guardians, how can we start the conversation of money at home and introduce the concept of finances to kids?
    Joining me today is Helen Driver, ex-fund manager who spent 20 years in the City and founder of Moneyready, an interactive financial education platform for children and parents. Her mission is to ensure the next generation is ready to face their financial futures with confidence. 
    Together, we take a look at how parents can start introducing financial concepts (such as delayed gratification, budgeting and saving), helpful tools to use, and how to build up a young person's knowledge and money skills over time. We also talk about saving for children and how and when to start. If you don’t have kids, don't worry -- this episode is still relevant because it’s full of life-changing financial tips!
    You can follow and connect with Helen at: 

    Moneyready: www.moneyready.orgInstagram: www.instagram.com/miss_moneyready 
    Helen shared some great resources in this episode. All the links are below:

    Financial education textbook: Your Money Matters for secondary schools funded by Martin Lewis: https://www.young-enterprise.org.uk/teachers-hub/financial-education/resources-hub/financial-education-textbook/ Reading List: Charlie and the Chocolate Factory by Roald Dahl, The Tortoise and the Hare, The Emperor's New Clothes, Billionaire Boy by David Walliams.Revolut Junior Card: https://www.revolut.com/get-junior-card Go Henry https://www.gohenry.com/ukJunior Individual Savings Accounts (ISA): https://www.gov.uk/junior-individual-savings-accountsSaving for children: https://www.moneyadviceservice.org.uk/en/articles/childrens-savings-options Gifts and exemptions from Inheritance Tax: https://www.moneyadviceservice.org.uk/en/articles/gifts-and-exemptions-from-inheritance-tax 
    You can learn more about Vestpod and subscribe to our newsletter here: https://www.vestpod.com. You can follow us on Instagram @vestpod and join our Facebook group. My book is available to purchase from Amazon and your favourite bookshop.
    * Please note that we are not certified, financial advisers! The articles and information made available on Vestpod and this podcast are provided for information and educational purposes only and do not constitute financial advice. You are advised to consult with an independent financial advisor for advice on your specific circumstances.*


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    • 55 min
    How to fund your start-up business idea, with Fleur Emery

    How to fund your start-up business idea, with Fleur Emery

    It’s likely that when you start a business, you’ll need some money to get up and running. 
    You might initially need to invest in equipment or stock, or maybe you’ve grown your business to a point where you need some cash to be able to scale to the next level. 
    When it comes to getting money into your business, there are so many options out there from bootstrapping, getting a loan or a grant, crowdfunding to finding angel investors, but it can be hard to know where to start, how to navigate the process and how to know which direction is best for your business.
    Joining me today is Fleur Emery, startup expert and founder of Real Work, an online co-working space for women. Fleur has a wealth of experience when it comes to raising funds for businesses, and today, she shares with me 10 practical ways you can take money into your small business. 
     
    We take a look at what options are available, we break down some of the jargon associated with each one and look at both the pros and cons to give you an idea of which route could work for you. 
    You can follow and connect with Fleur at:

    Real Work: https://www.doreal.work/Instagram: https://www.instagram.com/doreal.work/
    Fleur shared some great resources in this episode. All the links are below:

    Small Change: https://www.smallchangeuk.org/UK Government Grants: https://www.gov.uk/business-finance-support?types_of_support%5B%5D=grantReward Crowdfunding Platforms: Indiegogo, Kickstarter, CrowdfunderMerger between Crowdcube and Seedrs: https://www.cityam.com/crowdfunding-platforms-seedrs-and-crowdcube-announce-plans-to-merge/FCA Crowdfunding and authorisation: https://www.fca.org.uk/firms/authorisation/when-required/crowdfundingThe Wallet with June Angelides: How to get funding for your businessRosa Bloom: https://www.rosabloom.com/
    You can learn more about Vestpod and subscribe to our newsletter here: https://www.vestpod.com. You can follow us on Instagram @vestpod and join our Facebook group. My book is available to purchase from Amazon and your favourite bookshop.
    * Please note that we are not certified financial advisers! The articles and information made available on Vestpod and this podcast are provided for information and educational purposes only and do not constitute financial advice. You are advised to consult with an independent financial advisor for advice on your specific circumstances.*


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    • 54 min
    How to get started with sustainable investing? with Georgia Stewart

    How to get started with sustainable investing? with Georgia Stewart

    Many of us are trying to consume less, eat less meat, recycle, limit the number of flights we take to have a positive impact on the environment. 
    However it is estimated that of the “£3 trillion invested in UK pensions, a lot of it funds harmful industries like fossil fuels, tobacco, and arms”, according to Make My Money Matter. 
    With workplace pensions, it’s sometimes hard to know where your money is being invested which could be conflicting with your personal beliefs, but there is huge potential for this money to be used for positive change. 
    Joining me today is Georgia Stewart, the co-founder of Tumelo, an impact-focused financial technology firm. Her mission is to enable investors and pension members to benefit from a more sustainable investment system, giving a voice to shareholders and full transparency as to where their money is being invested. 
    We look at how you can make sustainable choices with your investments and how to get started investing in companies and causes you care about. 
    *Remember: the value of investments can go down as well as up so you may get back less than you invest. Always do your own research - and note that what we discussed in the podcast is not a personal recommendation for any particular investment.*
    You can follow and connect with Georgia at:

    Tumelo: https://www.tumelo.com/ Twitter: https://twitter.com/tumelohq 
    Georgia shared some great resources in this episode. All the links are below:

    Make My Money Matter by Richard Curtis: https://makemymoneymatter.co.uk/The Positive Change Fund by Baillie Gifford: https://www.bailliegifford.com/en/uk/individual-investors/funds/positive-change-fund/The Big Exchange: https://www.bigexchange.com/The Pensions Regulator: https://www.thepensionsregulator.gov.uk/enThe Investment Association: https://www.theia.org/
    You can learn more about Vestpod and subscribe to our newsletter here: https://www.vestpod.com. You can follow us on Instagram @vestpod and join our Facebook group. My book is available to purchase from Amazon and your favourite bookshop.
    * Please note that we are not certified financial advisers! The articles and information made available on Vestpod and this podcast are provided for information and educational purposes only and do not constitute financial advice. You are advised to consult with an independent financial advisor for advice on your specific circumstances.*

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    • 50 min

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