38 episodes

I’m Heather.
A massive personal finance fanatic.
I love to answer people's questions on getting rid of debt, saving, stock market investing, property and retirement.
Subscribe to this podcast if you want to: earn more, save more, invest more and have fun! No episodes in April, August and December - #SchoolHolidays #MumPodcast

The Money Spot™ - UK Personal Finance Heather Katsonga-Woodward

    • Education
    • 4.9 • 16 Ratings

I’m Heather.
A massive personal finance fanatic.
I love to answer people's questions on getting rid of debt, saving, stock market investing, property and retirement.
Subscribe to this podcast if you want to: earn more, save more, invest more and have fun! No episodes in April, August and December - #SchoolHolidays #MumPodcast

    Focus, Improve and Prosper - setting goals for 2021

    Focus, Improve and Prosper - setting goals for 2021

    #38 What is the one financial goal you would like to achieve in 2021?
    - Reduced debt?
    - Increase pension contributions?
    - Increase pension contributions?
    - Save more for children?

    Extract from the "2021 Life and Career Planners", link below"

    Most people want to handle their money better but they don’t take any steps to improve their financial knowledge.

    Simple commitment you can make to handle your money better include:
    • Instead of taking taxis/cabs, I will take the bus whenever possible;
    • I’ll spend less on makeup by…
    • I’ll spend less on magazines by…
    • I’ll spend less on clothes by…
    • Whenever I want something I’ll wait at least [3] days before I buy it
    • I’ll spend less on food at work by having breakfast before I leave home and taking sandwiches into work;
    • I’ll stop leaving the heating / air conditioning on all day and set it on a timer;
    • I’ll reduce my home’s heating cost by reducing the temperature on the
    thermostat by [2] degrees;
    • Our family will eat out twice a week only instead of the current [4] times a week;
    • I’ll set a standing order on my bank account so that every [20th] of the
    month [150.00] goes into my savings account.

    Related resource, get the annual planner:
    https://payhip.com/b/buSJ

    Ask me a question: https://www.katsonga.com/coach.html

    Choose a book: https://www.katsonga.com/my-books.html

    Support the podcast:
    In $: https://www.buymeacoffee.com/TheMoneySpot
    In £: https://www.patreon.com/TheMoneySpot
    Your way: https://www.paypal.me/katsonga

    • 8 min
    The Real Heather Katsonga-Woodward (the usual host)

    The Real Heather Katsonga-Woodward (the usual host)

    #37 In this final episode for 2020, find out a little more about me, Heather, the Host of The Money Spot Podcast through an interview that I had with Alex Sapala.

    For more on Alex Sapala click the link just below.

    Related resource: https://www.katsonga.com/wealthblog/the-real-heather-katsonga-woodward-interviewed-by-alex-sapala

    Ask me a question: https://www.katsonga.com/coach.html

    Choose a book: https://www.katsonga.com/my-books.html

    Support the podcast:
    In $: https://www.buymeacoffee.com/TheMoneySpot
    In £: https://www.patreon.com/TheMoneySpot
    Your way: https://www.paypal.me/katsonga

    • 1 hr
    #36 The wealth of black people in Britain and factors hindering financial success

    #36 The wealth of black people in Britain and factors hindering financial success

    #36 In this episode find out what percentage of black people own their own homes and what their pension pots look like relative to other ethnic groups. Further, are the earnings of black people lower than earnings of other ethnic groups? Are black Brits enjoying the same rates of social mobility? What challenges do black Brits face in the job market? All this and more in today's episode.

    Related resource: https://www.katsonga.com/wealthblog/the-wealth-of-black-people-in-britain-and-factors-hindering-financial-success

    Ask me a question: https://www.katsonga.com/coach.html

    Choose a book: https://www.katsonga.com/my-books.html

    Support the podcast:
    In $: https://www.buymeacoffee.com/TheMoneySpot
    In £: https://www.patreon.com/TheMoneySpot
    Your way: https://www.paypal.me/katsonga

    • 21 min
    #35 7 things that hold black children back from succeeding

    #35 7 things that hold black children back from succeeding

    #35 Do black children really have challenges that are unique to them? What are those challenges? Find out in this episode: black children are excluded from school at higher rates than other ethnic groups and the evidence suggests it's not because they are actually more naughty or more aggressive - in fact, some research suggests black children have a higher aptitude relative to other ethnic groups going into school and within a year that educational advantage has been eroded.

    Related resource: https://www.katsonga.com/wealthblog/7-things-that-hold-black-children-back-from-succeeding

    Ask me a question: https://www.katsonga.com/coach.html

    Choose a book: https://www.katsonga.com/my-books.html

    Support the podcast:
    In $: https://www.buymeacoffee.com/TheMoneySpot
    In £: https://www.patreon.com/TheMoneySpot
    Your way: https://www.paypal.me/katsonga

    • 17 min
    #34 Stay at home mum in her 50s - how can I gain financial independence

    #34 Stay at home mum in her 50s - how can I gain financial independence

    #34 D asks: Hi Heather, my name's D

    I wonder if you can maybe help advise me, I’m hoping to figure out a plan for myself and kids so that I feel secure and I’m financially independent. I wonder if maybe property is something you would suggest.

    I am in my 50’s, been with my husband since school and married for nearly 25years. We have adult kids who live with us and one is dependent with medical needs.
    We lived in another country for most of our married life (kids were born there and we all have dual nationality and financial investments and accounts in both countries).
    We came back to the UK on an expat assignment and are currently still caught in the rental accommodation ‘trap’.

    I need more control over my life and financial independence to feel secure following a traumatic experience.

    However, my husband has the career (travelled a lot with his job before the virus) and I’ve been the stay at home mum and carer to our child with medical needs. I went to university but stupidly didn’t continue with a career.

    Is there any financial advice you can give me that I can use (at my age) so that I can begin to be financially comfortable and independent please? I’d like something that can provide an income and security and am interested in property but don’t know if that’s possible for someone with no knowledge of the UK property market.

    Thank you for any advice you can offer.

    Related resource: https://www.katsonga.com/wealthblog/stay-at-home-mum-in-my-50s-how-can-i-gain-financial-independence-and-freedom

    Ask me a question: https://www.katsonga.com/coach.html

    Choose a book: https://www.katsonga.com/my-books.html

    Support the podcast:
    In $: https://www.buymeacoffee.com/TheMoneySpot
    In £: https://www.patreon.com/TheMoneySpot
    Your way: https://www.paypal.me/katsonga

    • 16 min
    #33 5 ways to remain financially afloat during unemployment

    #33 5 ways to remain financially afloat during unemployment

    #33 Ronjoy asks: Dear Miss Katsonga,

    What is your opinion on Critical illness cover? What are the alternatives (for lump sum payout to cover mortgage or other debts) in case one partner is unable to work?

    Thanks!
    Ronjoy

    Related resource: https://www.katsonga.com/wealthblog/5-ways-to-remain-financially-afloat-during-unemployment

    Ask me a question: https://www.katsonga.com/coach.html

    Choose a book: https://www.katsonga.com/my-books.html

    Support the podcast:
    In $: https://www.buymeacoffee.com/TheMoneySpot
    In £: https://www.patreon.com/TheMoneySpot
    Your way: https://www.paypal.me/katsonga

    • 7 min

Customer Reviews

4.9 out of 5
16 Ratings

16 Ratings

Ladylocs62 ,

The Moneyspot - Heather

This podcast is fantastic. I’m in my late 50’s and wish I had known a lot of what Heather has talked about before my husband and I had children. It’s so enlightening, refreshing and I’m learning a lot. Thank you Heather and please continue.

bukkyea ,

Truly brilliant and very informative!

Heather is fantastic and really someone to listen to about all things personal finance.

fgatyhrFnTnTnTnAXxsv ,

Brilliant podcast

I was searching for money and finance podcasts in the UK and this one is just brilliant. Thanks Heather for your helpful information. I’ve learned so much just from listening to few episodes.

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