40 episodes

The Women and Money Cafe is a space where women can come and listen and learn about all things money in a friendly, informal, no-jargon environment. Co-hosted by qualified financial planners and certified financial coaches Julie Flynn and Catherine Thomas-Humphreys. Each episode in the Women and Money Cafe we bring together members of our expert panel of female financial advisers, coaches, investment managers, guest experts and women from all walks of life to share, support and make space for Women to feel empowered with money. We make finance accessible and fun whilst expertly de-mystifying money and sharing our wealth of expert knowledge.Come join us on the sofa, in the Women & Money Cafe

Women & Money Cafe Women & Money Cafe

    • Society & Culture
    • 5.0 • 34 Ratings

The Women and Money Cafe is a space where women can come and listen and learn about all things money in a friendly, informal, no-jargon environment. Co-hosted by qualified financial planners and certified financial coaches Julie Flynn and Catherine Thomas-Humphreys. Each episode in the Women and Money Cafe we bring together members of our expert panel of female financial advisers, coaches, investment managers, guest experts and women from all walks of life to share, support and make space for Women to feel empowered with money. We make finance accessible and fun whilst expertly de-mystifying money and sharing our wealth of expert knowledge.Come join us on the sofa, in the Women & Money Cafe

    40. Saving & Investing for Children

    40. Saving & Investing for Children

    Saving for children was a subject that came up a lot back in our clubhouse days. So it made sense to revisit it and give you a whistle stop tour of your options.

    We’ll be covering everything from savings  to investing, for younger children and older children.

    Putting money aside for children isn't just about providing for their futures, its creating a great opportunity to talk about money.

    And check out MSE website for deals.
    Bank accountsApps for cash & investingJunior ISAsPensionsGeneral Investments7:21 High street bank savings accounts  (HSBC, Virgin Money, Saffron & Principality Building Society, Halifax)
    8:35 Banking type apps (Go Henry, Kite, Rooster Money)
    11:20 Junior ISAs
    15:02 Investment platforms
    19:20 Investing apps for Junior ISAs (MoneyBox, Wealthify, Beanstalk)
    23:51 Alternatives to Junior ISAs
    28:56 Pensions for children
    BE PART OF THE CAFE
    We genuinely love hearing your questions and feedback. So, drop us a voice note  hello@womenandmoney.cafe and come and join the community on Facebook @womenandmoneycafe

    YOUR HOSTS:
    Catherine Thomas-Humphreys is an Award Wining Financial Coach, Qualified Financial Adviser and Family Will Writer.

    Catherine believes money is a force for good and when in the hands of good people can be used to do great things.  She loves working with purpose-led parents who are ready to change  their money habits & beliefs to achieve  financial success for themselves and their family.
    She founded #TheFinfluencer   as a safe space to coach and empower parents to influence, make, save, spend and grow money, consciously, ethically and positively.  
    Financial coaching - The Finfluencer
    Money Membership Finfluence
    Catherine’s bitesize money wisdom - Instagram
    Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
    She uses her years of experience and research to support women experiencing or planning significant change in their lives. 
    Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
    Financial coaching - Ebb & Flow Financial Coaching
    Financial advice - Bree Wealth & Tax
    Julie’s inexpert social media antics - Instagram

    • 38 min
    39. Don't Bank on the Bomb - Ethical Money Audit

    39. Don't Bank on the Bomb - Ethical Money Audit

    As you will know there are some subjects that really get us fired up, and one of Julie’s red buttons is weapons. Now we often talk about having your money aligned with your values, and while Julie has her pensions and investments aligned with her values, she asked Catherine what else could she be doing to ensure her money wasn’t inadvertently supporting war and weapons.
    Enter Catherine’s ethical money audit.
    Catherine’s research showed us that there are 25 companies involved in creating nuclear weapons. Which made Julie’s audit a little easier to do. But Catherine has the skills and experience to help anyone who wants to fine tune the spending and money to reflect their values.
    Catherine’s audit included:
    Banks – we’ve got two green banks, and two red banksMortgage – we found that a lack of transparency by some banks makes it difficult to truly understand what they do with our money. Julie will be letting her mortgage broker know to avoid weapons next time she’s remortgaging.Insurers – some of the big providers are insuring the 25 companies. But wishy washy ESG policies aren’t helpingAbout half way through the audit, Catherine must give a green status to a company it’s fair to say she is not aligned with. Can you guess who it is?
    We also touch briefly on investments. While we are big fans of keeping investing simple, which is kind of code for passive investing, Catherine highlights why you might want to rethink this approach if you have values like Julie.
    App of the week – Sprive for clearing your mortgage early. We love how simple this app is and the control it gives you.
     
    BE PART OF THE CAFE
    We genuinely love hearing your questions and feedback. So, drop us a voice note  hello@womenandmoney.cafe and come and join the community on Facebook @womenandmoneycafe

    YOUR HOSTS:
    Catherine Thomas-Humphreys is an Award Wining Financial Coach, Qualified Financial Adviser and Family Will Writer.

    Catherine believes money is a force for good and when in the hands of good people can be used to do great things.  She loves working with purpose-led parents who are ready to change  their money habits & beliefs to achieve  financial success for themselves and their family.
    She founded #TheFinfluencer   as a safe space to coach and empower parents to influence, make, save, spend and grow money, consciously, ethically and positively.  
    Financial coaching - The Finfluencer
    Money Membership Finfluence
    Catherine’s bitesize money wisdom - Instagram
    Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
    She uses her years of experience and research to support women experiencing or planning significant change in their lives. 
    Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
    Financial coaching - Ebb & Flow Financial Coaching
    Financial advice - Bree Wealth & Tax
    Julie’s inexpert social media antics - Instagram

    • 40 min
    38. Cost of living - what you really need to know with Sara Williams

    38. Cost of living - what you really need to know with Sara Williams

    This week we are joined by Sara Williams aka Debt Camel.  Sara is a debt expert having been a debt adviser for over 20 years.  She  set up Debt Camel in 2013 to write about what really matters to people who have a debt problem and to talk about the common questions that get asked.

    In this episode we talked about the impact of the escalating costs of living with practical tips on what can be done to counter it.  Sara shares more on Julies favourite Instagram post on her combi boiler tip, the importance of revisiting your budget to identify where savings can be made and our newest Women and Money Cafe Expert (also called Sara!) shared her insight on acceptance and other emotions.

    Follow Sara aka DebtCamel:
    Website: debtcamel
    Instagram debtcamel


    YOUR HOSTS:
    Catherine Thomas-Humphreys is a qualified independent financial adviser, will writer and certified financial coach.  

    Catherine believes money is a force for good and when in the hands of good people can be used to do great things.  She loves working with purpose-led parents who are ready to change  their money habits & beliefs to achieve  financial success for themselves and their family.
    She founded #TheFinfluencer   as a safe space to coach and empower parents to influence, make, save, spend and grow money, consciously, ethically and positively.  
    Financial coaching - The Finfluencer
    Money Membership Finfluence
    Catherine’s bitesize money wisdom - Instagram
    Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
    She uses her years of experience and research to support women experiencing or planning significant change in their lives. 
    Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
    Financial coaching - Ebb & Flow Financial Coaching
    Financial advice - Bree Wealth & Tax
    Julie’s inexpert social media antics - Instagram

    and in this Epiosde we introduced a new Host Sara Walker

    Sara is a financial planner and financial coach with 33 years’ experience in financial services. She wants all women to feel financially confident and uses her professional and life experiences to support and educate women over 40 so they in turn feel able to support and be role models for the younger women in their lives. As a woman who herself continues to juggle work, family and hormones, she believes its never too late and every woman deserves the opportunity to flourish

    Sara's Website: sarafranceswalker

    • 55 min
    37. Summer Money Survival Guide

    37. Summer Money Survival Guide

    This week: how to keep children entertained for the summer holidays on a budget.
    Some of us mums have a predisposition to feel guilty. Be that for not spending enough time or money with our children. We'd like you to give yourself a pass for the summer. 
    Children don’t need to be doing things all the time A lot of them like a bit of down timeChat with other parents to tag teamIndependence check – they get older without us realising & can do a lot more themselvesCatherine will be sharing her Magical Mystery Tour tactic she used when her children were younger to manage costs. Julie shares the strategies her clients who are widowed with young families use to make the most of the time.
    5.32 You need a plan!
    7.26 The Magical Mystery Tour box
    11.29 How to build a support network
    15.38 Affordable options
    21.47 Start the summer with a project
    23.30 Deals & freebies
    25.41 How to make the free things feel special
    32.37 How to handle conversations if there isn’t much money
    RESOURECS:
    Army Cadets
    Let’s Go Summer 2022
    Ted talks for kids
    Easy science experiments
    STEM for kids
    Meerkat Movies
    Itison
    Groupon
    Kids eat free
    Geocaching
    Scavenger Hunt
    BE PART OF THE CAFE
    We genuinely love hearing your questions and feedback. So, drop us a voice note  hello@womenandmoney.cafe and come and join the community on Facebook @womenandmoneycafe

    YOUR HOSTS:
    Catherine Thomas-Humphreys is an Award Winning Financial Coach and Qualified Financial Adviser & Family Will Writer. 
    She believes money is a force for good and when in the hands of good people can be used to do great things.  She loves working with purpose-led parents who are ready to change their money habits & beliefs to achieve  financial success for themselves and their family.She founded TheFinfluencer as a safe space to coach and empower parents to influence, make, save, spend and grow money, consciously, ethically and positively.  
    Financial coaching - The Finfluencer
    Money Membership Finfluence
    Instagram
    Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
    She is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
    Financial coaching - Ebb & Flow Financial Coaching
    Financial advice - Bree Wealth & Tax

    • 45 min
    36 Pensions - Explaining all THAT Jargon

    36 Pensions - Explaining all THAT Jargon

    Not going to lie, jargon does our heads in as much as it does yours. We set ourselves a challenge, could we explain what the bizarre words of pensions means in one sentence.
    To stop us from falling asleep we made it a bit competitive. Final scores:
    Michelle 996
    Catherine 40 + a pie
    Julie 12

    And be sure to listen to the end for a new regular feature – our favourite app of the week. Catherine kicks off with Tulipshare
    2.56 SIPP
    4.04 Lifetime Allowance
    5.22 Annual Allowance & MPAA
    6.39 UFPLS
    7.47 Money Purchase / DC
    8.54 Defined benefit (DB), final salary, CARE
    11.06 Salary sacrifice
    12.17 Flexible Access Drawdown (FAD)
    13,16 Carry forward
    14.18 AVC & FSAVC
    15.23 CETV
    17.21 Origo
    18.28 GAR
    19.57 Crystallised
    21.23 BCE
    22.53 GMP
    24.14 PCLS
    25.21 Protected Tax Free Cash
    26.48 Revaluation & Indexation
    28.13 Early & late retirement factors
    29.31 Net & Gross
    31.38 Triviality
    33.24 MVR / MVA
    37.26 Tapered annual allowance
    38.38 Commutation

    A comprehensive A - Z can be found here
    _____________________________________________________________________________________________
    YOUR HOSTS:
    Catherine Thomas-Humphreys is a qualified independent financial adviser, will writer and certified financial coach.  

    Catherine believes money is a force for good and when in the hands of good people can be used to do great things.  She loves working with purpose-led parents who are ready to change  their money habits & beliefs to achieve  financial success for themselves and their family.
    She founded #TheFinfluencer   as a safe space to coach and empower parents to influence, make, save, spend and grow money, consciously, ethically and positively.  
    Financial coaching - The Finfluencer
    Money Membership Finfluence
    Catherine’s bitesize money wisdom - Instagram
    Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
    She uses her years of experience and research to support women experiencing or planning significant change in their lives. 
    Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
    Financial coaching - Ebb & Flow Financial Coaching
    Financial advice - Bree Wealth & Tax
    Julie’s inexpert social media antics - Instagram

    Michelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Following a career break where she spent time being a mum and running an arts and crafts business, Michelle returned to financial services in 2013 undertaking further study.

    Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Michelle has a passion for providing financial advice, guidance and education to everyone, regardless of their gender, age or current circumstances.
    Website | Instagram

    • 48 min
    35 Financial and Economic Abuse with Michelle Hoskin

    35 Financial and Economic Abuse with Michelle Hoskin

    Today we are joined by the power house that is Michelle Hoskin. 1 in 5 people in the UK have experienced some form of financial or economic abuse. Which means that someone you know has experienced or is experiencing this.
    In the next 50 minutes we are going cover
    What is economic abuse? How do we recognise it? And what can we do about it?7.29 What is Economic abuse - restricting, exploiting or sabotaging another person's economic resources
    13.17 Boiling the frog - coercive control and how these things might begin - being coerced to stop working, having to explain purchases
    20.34 It's not always quite what you think, Michelle's story about 3 siblings
    26.03 What if it's one of the men in your life
    33.19 How you can support someone
    39.40 What can I do if it's me
    Guest Expert Michelle Hoskin
    Known for her endless enthusiasm and energy, infectious personality and unique outlook on what she describes as a ‘magical profession’. With more than 20 years’ experience working alongside some of the world’s most successful financial services organisations, Michelle is an internationally recognised author, speaker, coach and leading expert in the design and implementation of international framework-based best practice standards.

    Connect with Michelle on Twitter or Facebook and Standards International

    Resources:
    Toolkit
    Surviving Economic Abuse
    Hourglass - use the drop down to select other parts of the UK
    UK Finance - bank & building society of code of practice

    YOUR HOSTS:
    Catherine Thomas-Humphreys is a qualified independent financial adviser, will writer and certified financial coach.  

    Catherine believes money is a force for good and when in the hands of good people can be used to do great things.  She loves working with purpose-led parents who are ready to change their money habits & beliefs to achieve  financial success for themselves and their family.
    She founded #TheFinfluencer   as a safe space to coach and empower parents to influence, make, save, spend and grow money, consciously, ethically and positively.  
    Financial coaching - The Finfluencer
    Money Membership Finfluence
    Catherine’s bitesize money wisdom - Instagram
    Julie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she’s spent years studying and researching how stress affects our financial decision making.
    She uses her years of experience and research to support women experiencing or planning significant change in their lives. 
    Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.
    Financial coaching - Ebb & Flow Financial Coaching
    Financial advice - Bree Wealth & Tax
    Julie’s inexpert social media antics - Instagram

    • 57 min

Customer Reviews

5.0 out of 5
34 Ratings

34 Ratings

M_A_N_D ,

What a brilliant listen!

LOVING this podcast everyone - you’ve managed to make the subject of money wildly entertaining and hugely informative. More please! This really is addictive listening!

helpfuldawn ,

Great listening

Informative in an easy to listen style. Nice and relaxed discussions about important topics. Thanks ladies this is something that’s been missing in the podcast offerings I have found. Really enjoyable.

WomenFinanceNI ,

Loving this podcast series

Great topics covered so far.
Well done on demystifying financial jargon.
Keep them coming!

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