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Catherine Morgan

31 Podcast Episodes

Latest 11 Sep 2021 | Updated Daily

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Stopping financial sabotage before it stops you, with Catherine Morgan

Informed Choice Radio Personal Finance Podcast

The meaning we attach to money becomes the lens that we think, feel and behave with money. My guest on the podcast today is Catherine Morgan, an entrepreneur, keynote speaker and multi-award winning money coach. Catherine is host of the In Her Financial Shoes podcast which helps you to get in control of money, gain financial confidence, learn how to invest and save money. In our conversation today, we discuss the imprinting period in childhood that forms many of the emotions around money, why were are naturally attracted to people who have the opposite relationship to money, and the impact of Covid on our financial attitudes. Here’s my conversation with Catherine Morgan, host of the In Her Financial Shoes podcast, in episode 562 of Informed Choice Radio.


20 Aug 2021

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The Forge Ahead Show - 1.0 - Episode 8 - Catherine Morgan

The Nick Elston Show

The Forge Ahead Show is a Podcast & Video series run by Forging People ‘a new breed of People Development’ - a personal & professional development company founded by Nick Elston - www.forgingpeople.com. Nick Elston is an Inspirational Speaker on the Lived Experience of Mental Health who shares his talks globally - to stages, boardrooms, businesses, organisations, education establishments, prisons & events - increasing engagement in Mental Health, Wellbeing & Personal Development through his inspiring message - www.nickelston.com. The Forge Ahead Show is published as a Video Series via YouTube - as well as a Podcast via Spotify & iTunes - featuring ‘emotional storytellers’ and inspiring people who have gone from ‘adversity to excitement’ to live a life on their terms. This week, Nick speaks to Catherine Morgan - Financial Coach, Author & Speaker!


11 Aug 2021

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#11 Catherine Morgan

That's What She Said

Welcome to That's What She Said.In this week's episode, we are joined by Catherine Morgan, a a multi-award winning qualified Financial Planner, Certified Financial Coach, Trauma of Money Method Practitioner, and Financial Abuse Specialist.During this episode, Catherine shared a wealth of knowledge and expertise about wealth. Learn more by listening to her podcast called "In Her Financial Shoes" and I hope you enjoy this brilliant episode. See acast.com/privacy for privacy and opt-out information.


3 Aug 2021

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#20: Money mindset with Catherine Morgan

The Pricing Queen

In this episode: • Emotional relationships with money • Why women have more financial baggage • Finding your money personality • How learned money stories define our financial behaviour • Overcoming money blocks • The importance of money conversations Catherine Morgan is a financial coach and qualified financial planner. Catherine helps and supports women and their relationship with money, helping them to understand their emotions when dealing with it. She outlines the three feelings and emotions we have around money; our comfortability receiving it, comfortability to keep hold of it and comfortability to give it to others. Catherine explains to Sally why women tend to have more baggage when it comes to finance and the gender difference to managing money. She outlines how finding your money narrative will help to work out what is the fear that is holding you back. Are you an emotional over-spender, a planner or maybe a risk taker? Catherine explains how our behaviour with money is driven by how we feel and how we feel is driven by the lessons we’ve learnt about money which can lead to money blocks. She walks us through the 6 steps of how to overcome these blocks to positively impact your financial future. Selected links from this episode Find your money personality with Catherine’s quiz: https://quiz.tryinteract.com/#/5ea998dca0f6a6001400408e Listen to Catherine’s podcast “In her financial shoes.” https://catherinemorgan.com/ihfs-podcast/ Check out Sally’s Masterclasses: https://www.businessgrowthbynumbers.com/Masterclasses and Pricing Calculator: https://www.businessgrowthbynumbers.com/pricing-calculator-sign-up Connect with Sally on Instagram @thepricingqueen and on LinkedIn 'Sally Farrant' Like what you hear? Don’t forget to rate and leave a review to help spread the word! The Pricing Queen podcast is produced by Decibelle Creative – Instagram: @decibellecreative decibellecreative.com


28 Jul 2021

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Episode 76 – Financial Coaching with Catherine Morgan

The Financial Wellbeing Podcast

Episode 76 – Financial Coaching with Catherine Morgan What is financial coaching? How is it different to a financial advice? The guys chat with Catherine Morgan, a financial coach, to discuss the difference. Along with exploring how we can improve our relationship with our finances by addressing 6 anxieties. With a great Bage’s Bias that prompted a cinema food fight – we have an episode you just can’t miss! Welcomes & Introductions We really love to hear from our listeners. If you would like to get in contact, to share your thoughts, maybe even a #tightasstommo money saving tip, find us: On Twitter – @finwellbeingBy Email – contact@finwell-being.co.uk What is today’s podcast all about? An interview with Catherine Morgan a financial coach who used to be a financial adviser. She talks with Chris about what this role looks at and why there is a difference amongst the two. Along with really interesting insights about our relationship to money and the 6 reasons we feel anxiety when it comes to money. Link to Episode 53 The Financial Wellbeing Conference 2019 Bage’s Biases Every episode, Behavioural Finance expert, Neil Bage, is going to be giving us his money behavioural tips. We are hardwired to make bad decisions about money because we have biases built into us from our experiences through life. We will keep hearing from Neil to help us recognise some of these behavioural biases and hopefully lead us to making better financial decisions. – Link to Episode 36 – Understanding our attitude to risk– Link to Episode 21 – Financial capability– Link to Bitesize Behaviour Podcast This episode – Decoy Effect #TightAssTommo Featuring a hatred of popcorn, eating cheese and pickle sandwiches at the cinema and a love of Malteasers! Today’s topic – Half price London theatre tickets for kids in August 2021 Click here for more information over at officiallondontheatre.com Interview with Catherine Morgan What is financial coaching? Understanding a client’s relationship to moneyThe client does the deep and meaningful change work We have to be mindful of listening to the client and switching off our human reaction to just ask loads questions. We want to talk about ourselves, because we want that sense of belonging. We want to dominate the conversation, because we’re interesting, and we want to be liked. hold that natural reaction back to share your stories, you’ll find that When the client has finished a meeting, they’ll feel more fulfilled, if you hold that natural reaction back to share your stories, because they’ve been heard. A client going to see a financial coach should expect to be challenged on a few of their assumptions that they didn’t know they had. With financial coaching – the client has to be ready for that change work. Can a client have both a financial coach and a financial advisor? Can both work alongside and well together? Financial anxieties and catastrophic thinking The six reasons people feel anxiety when it comes to finances: Human Biases Comparing OurselvesEmotions Override Logic Our Belief System Being Unprepared Physical wellbeing v Mental Wellbeing Comparisonitis – to anchor our self-worth on everybody else’s life, it’s completely natural to compare yourself to somebody else, and particularly financially. When we hear stories from other people that will rock our sense of security and safety, we need to bring our self back to the present moment. That actually this has nothing to do with me, this has nothing to do with my own ability. Emotions Override Logic – what can we do to stop ourselves from taking a natural reaction to be emotional rather than logical? Understanding triggersManaging the emotion This takes work, it’s not something that’s just going to happen, you need to put a bit of effort into it. Summary of our belief system and how it works. Being Unprepared – why not just get prepared? It’s about taking conscious steps Physical Wellbeing versus Mental Wellbeing There is a big connection between our physical wellbeing and our mental wellbeing and we do need to look after both. But often there’s a clash Further Financial Wellbeing Podcast episodes that take a look at our relationship with money: Episode 17 – Money Emotions with Simonne GnessenEpisode 25 – Behavioural Economics with Greg Davies Episode 36 – Understanding our Attitude to Risk with Neil Bage Episode 60 – Interview with The Financial Healer Mark Bristow Conclusions from the guys What does coaching mean for financial advisors and financial coaches? Financial Advisors – At Ovation, we talk about having a coaching first, then planning and then advice approach to financial planning. In this context we are talking about coaching skills, listening and questioning skills to help a client to ‘Know Thyself’ Financial Coaches – They will also have the coaching skills, listening and questioning. But they are brining in skills to talk about a specific topic, your relationship to money. A financial coach is not regulated by the FCA, they will not give you investment advice. The focus is on you, the client, talking about your relationship with money. In a perfect world, you’ll use a financial coach and then you’ll see a financial adviser who uses that coaching, then planning, then advice approach. If you would like to hear more from Catherine Morgan, follow the links below: Catherine’s website blogCatherine’s Podcast – In Her Financial Shoes Do you have any financial wellbeing questions you would like us to answer? Or do you have a #tightasstommo money saving tip you would like to share with our listeners? If so, let us know by going to Twitter @Finwellbeing or email – contact@financialwell-being.co.uk If you would like to purchase a copy of The Financial Wellbeing Book please click on this link to visit Penny Brohn UK shop Transcribe of the Podcast Script: (scroll to the bottom to listen to the episode) David 0:10 Hello everybody, wherever you are listening and welcome to another episode in our long running series of financial wellbeing podcasts. My name is David Lloyd. Bohm ever, actor, broadcaster, man about town, recently retired but not retired, because I’m still working. Very happily ensconced in a new house. Yeah, life is good. And one of the reasons Life is good, because every so often I get to do podcasts with these two wonderful people, the first of whom is going to introduce himself now, Chris Budd, who are you? Chris 0:42 I’m Chris Budd. Hello, everybody. I wrote the financial well being book. My day job is I help companies with succession planning, but I also write novels. And I just want to make one comment to everybody at the very early stage, David, we’d love to hear more from our listeners. We have a Twitter account @Finnwellbeing. But we also have an email address. So if anybody wants to just share their thoughts, maybe share a Tightasstommo tip with us. We really, really, really would love to get more listeners getting involved in this in this podcast. So the email address is contact@financialwell-being.co.uk. It is, of course, the show notes, etc. But not everybody always reads all of those. So I just wanted to encourage people to get in touch with any tips, any ideas, any thoughts about the show? Anything you like? David 1:28 And what’s the Twitter handle Chris? Chris 1:30 @finwellbeing David 1:31 Excellent, good. Yes. Because we really do enjoy getting contact with our listeners. So please do email in, Twitter in you know, send carrier pigeons, whatever you want. Tommo, who are you? Producer Tommo 1:44 I am Tom Morris, Chartered Financial Planner by day, director over at Ovation Finance, in Bristol. And also by night, a father who is currently helping their nine month old with teething issues. So excuse me, if I’m a little bit groggy and a little bit short, and have zero patience for both of your rubbish humour. So yeah, there’s your warning. David 2:13 But you’re like that all the time. There’s nothing new. Right. So how’s how’s life with you Chris? Chris 2:23 I would say nice. All right. I mean, I think like all of us standing in the same room for the last 18 months has been a little bit strange on the brain. But, but yeah, people can be through, aren’t we now? I think things are looking up a bit. David 2:35 Yes. Well, let’s hope that is the case. Let’s hope that is the case. Right. So what have we got on today’s podcast? Chris, what’s happening? Are we talking about something? Have you interviewed somebody? Chris 2:44 We have an interview with the amazing Catherine Morgan. Now Catherine is a financial coach used to be a financial advisor. We’ll talk a little bit about what that means why there’s a difference between the two. But she’s got some really, really interesting insights about our relationship to money. So yeah, interview with Catherine Morgan coming up. David 3:01 And what’s incredibly special about this interview is the fact that of all the people you’ve interviewed. She’s the only person I’ve ever actually met. And she was, she was on the panel at the very first financial wellbeing conference that we did last year. Or was it the year before? I can’t remember two years ago, two years ago, years ago, Blimey, under the shadow of the wings of Concorde. And very good she was too so I’m looking forward to that interview. But before we do that, let’s go on to our two regular features. First up, we have Bages Biases where an old friend of the podcast behavioural finance expert Neil Bage, gives us his one minute introduction to a different behavioural bias that affects how we make decisions about money. Chris, what is Neil telling us about this week? Chris 3:46 Neil is telling us about the decoy effect. Neil Bage 3:51 The decoy effect. The decoy effect is where we as consumers change our preference between two options when we are presented with a third option, the decoy. Let me give you an example that is the most used in the world of behavioural science. Imagine you go to a cinema and see two options for popcorn. A small popcorn costs you three pounds, and a large costs seven pounds. The evidence suggests that most people when faced with these two options, go for the small popcorn that only costs three pounds. However, add a third option, a decoy, a medium of popcorn for six pound 50. And now -well, most people will now go for the large it’s only 50p more than the medium size, and you seem to get so much more value for money. The simple fact is by adding in a decoy, we end up spending more money than we would if the decoy didn’t exist in the first place. Chris 4:51 So I think this is a really good example of how behavioural finance, mostly we’ve tried to present it in a really positive way about be aware of your behaviours, etc etc. This is a really good example of how our behaviours can actually work against us to make bad financial decisions. And that’s why we keep bringing them out why Neil does such a great job of telling us about them, so that we can be aware of what forces are being applied to us to get us to spend more money. David 5:17 That’s very, very interesting, that particular example and it leads us actually quite nicely into our next feature, which is #tightasstommo about how we can save money by adopting Tommo’s tips. But before we come on to Tommo, that’s just given me an idea for one, listen to what Neil had to say there is – don’t buy popcorn in cinemas. It’s horrible. I can’t stop. I don’t mind a mouth full of popcorn. I don’t want to sit there wading through a huge bucket of it. It costs them about 20p to produce and they sell it on a ridiculous price. And you just end up getting it in your shoes when you walk out at the end. So there’s my TightAss tip. Don’t buy popcorn, take a sandwich instead? Chris 5:58 I don’t think that’s TightAss at all. Producer Tommo 5:59 Take a sandwich. A little packed lunch with a little . . . David 6:03 Yeah, yeah, take a sandwich and a thermos flask with a bit of tea in it. Chris 6:08 No, no, you see I’m a massive fan of the Wittertainment podcast, Guillermo de Mayo’s Wittertainment determined podcast which I listen to every single week. And they have a – hello to Jason Isaacs, by the way – and they have a code or cinema code. Basic rule is don’t take any food into the cinema. You’re only in there for two hours. Eat something before and after. Don’t eat in the cinema because all that rustling in noise is ruining it for somebody else. You’ve got going on one here David, bloomin’ heck. Producer Tommo 6:35 There is an exception to this rule, though. Chris 6:37 Soft fruit only. Producer Tommo 6:39 But I mean, can one really watch a movie at home, or in a cinema without a bag of maltesers? Chris 6:45 Yes Producer Tommo 6:45 Putting it out there. Chris 6:46 They’re the worst the rustling and noise. David 6:49 Mind you. I do love a malteaser. Producer Tommo 6:52 I know, right? David 6:53 I wouldn’t have one in the cinema, I’d be too busy eating cheese and pickle sandwich. Producer Tommo 7:02 Damn it. I was trying, I was not gonna laugh at your rubbish jokes. But I have failed David 7:06 You’ve done it. We’ve, we’ve cheered up grumpy Tommo. Chris 7:10 We’ve cracked it him. David 7:11 You can now cheer us all Tommo with your TightAss Tommo tip. Producer Tommo 7:14 I hope this one cheers you up, before I do. I think it’s only fair that I give a little bit of a shout out to Neil’s own podcast which is called the Bite Size Behaviour podcast with Neil Bage. Where he goes he elaborates a bit more on some of these so well worth looking at if you’re interested. Producer Tommo 10:01 When I say the opposite end of the age scale to you, but I’m in the, as discussed at the start the pod I’m in the eye of the storm with a young family. I’ve got to stop this, these terms, I have of lovely experience that is gonna give me so much joy and happiness over the years. But it’s relevant because in August and I’m hoping this podcast comes out in time for this tip, if not think about this for next year. It’s something called kids week that officiallondontheatre.com put on and it’s for I think theatres in London go and check, it might be a run around the nation, but you’re able to buy a ticket as an adult. And then a significant discount for children that go with you. Obviously the idea being at school holidays, they’re trying to fill the stalls and obviously make it a cheaper day out for a family to go to the theatre. So it’s kids week. Officiallondonheatre.com/kids-week. details will be in the show notes. But I thought that was a pretty useful thing to fill time in the summer holidays. Chris 11:13 You know, David, I fondly reminisce on the days when tomos titles tips were funny, not really useful and practical. Producer Tommo 11:20 Look I’ve got some gems lined up for you guys. But I needed to get this one in because it is we got a time timer. But don’t worry, I’m going to embarrass myself on the next one. So listen out. David 11:32 And if this one does come out for August 2021, remember that you can probably pick up an extra free case of COVID at the same. Producer Tommo 11:42 Yes, please theatre responsibly. David 11:45 Right. That’s enough of that nonsense. Chris, why don’t you tell us about your interview with Catherine Morgan. Chris 11:52 So I’ve known Catherine for quite a few years. To be honest, we’re not quite sure why she hasn’t been on the podcast before because she’s absolutely fabulous. And she is a financial coach. She has been a financial planner as well. She trains financial coaches. She’s just all around really knowledgeable person about our relationship with money. So let’s have a listen to my chat with Catherine Morgan. Chris 12:14 Morning, Catherine. How are you? Catherine Morgan 12:16 Morning, Chris. Yeah, I’m great. Thank you. How are you? Chris 12:18 Yeah, very, very good. Starting this chat with you slightly differently. Because of course, we know each other extremely well. So I’m not going to pretend that here. Hi. Welcome to the podcast. It’s really nice to meet you, Rubbish. We know each other really well don’t we? Catherine Morgan 12:32 Yes, it’s like Oh, God, I have I got to talk to you again Chris this week. Chris 12:36 I love that thing when you see on TV programme, documentaries and stuff where a camera crew go to the knock on the door and a member of the public opens the door ans says Oh, hello. As if they haven’t all set it up for the last hour? Catherine Morgan 12:47 We won a competition Oh, have I? Chris 12:52 I would like you to just start off by explaining to our listeners what financial coaching or money coaching? What it actually is because you’re the person bringing this to the masses as far as I’m concerned. Catherine Morgan 13:05 Oh, thank you. That’s very kind of you to say. I’m certainly not the pioneer of financial coaching by any stretch of imagination. But certainly what I found over the last sort of four or five years of working in that space is that for me, that what centres around the decisions that people make around money is all about our beliefs. It’s you know, things that we’ve heard growing up our sense of purpose, what drives us, some of our pre existing beliefs that we’ve literally just grown up with since since day dot. And for me, the work as a financial coach is about understanding that client’s relationship to money because we know that most of the decisions that we make come from what we call our unconscious beliefs, things that we aren’t even paying any attention to. And that can, can make a big difference between what actions we take what decisions we do and don’t make around money can also have a huge impact on our financial wellbeing and how we feel. Because ultimately, what drives the behaviours that we take around money is how we feel and what drives how we feel about money is what we’re thinking about in the first place. And some of those thinking processes are conscious, and some of them are unconscious. So financial coaching, for me is really about understanding what what is our relationship with money, before we then go on to do all the practical steps that let’s face it, we all know we should be doing, but we don’t always take action. That’s the power of financial coaching for me, as a financial planner, or as or as a financial coach, the ability to sit and listen to the client and really explore with them get them to think about what their relationship is with money rather than us actually coming up with the solutions. There’s a big difference between coaching and planning or advice, because that’s where we put our kind of solution hat on, so to speak. So coaching is really about the client doing the deep and meaningful change work, not the other way around. Chris 15:04 Do you think that it’s easy to not give advice? Catherine Morgan 15:11 No, it’s one of the biggest challenges I would say from working with financial planners and advisors, one of the biggest things is self-disclosure and interference. And they talk about this in the medical profession, don’t they around, you know, should you have transference of patient doctor kind of relationship. And it’s kind of similar, I think, to the role between the client and the adviser. Self disclosure is a really interesting one, because it’s built into our human DNA to be inquisitive to be curious. And what happens is that self-disclosure elicits more, more likelihood that the client will share. So if we share some of our story with a client, this is the power of storytelling is that they’re more likely to then share things back. But what we have to be mindful of then is listening to the client and switching off our kind of human reaction to just ask loads questions. And, you know, like when we ask a question, and then you ask a second question, before you even allow the person to ask, answer the first question, we have this kind of natural, wanting this to be curious. And but what happens is that when we have our own sense of purpose, we have our own sense of beliefs around money, we have our own stories about money, we have our own judgments around money, all of these human biases can have a huge impact then on how our client feels. And I see that time and time again, with advisors is that that’s the hardest skill is to actually go into a client meeting completely neutral of our beliefs. Our stories, our messages, we’ve heard our personal experiences, because otherwise there is that risk, that the client will either answer based on what they think they should say, because they’re sitting in front of us, or those beliefs will be cross reference to the client, and the client will will then not have that opportunity to really share what’s in their subconscious money system. Chris 17:13 Or just thinking while you were saying about really good listening skills, and I’m finding myself Yeah, I’m remember one, I had a particular meeting that I was really good at – oh crickey I’ve locked. You can’t help yourself, can you to put yourself into the situation, it’s just a natural thing to do. It’s like, you know, when you say to that person, or you listen to somebody who said they had a lovely holiday in Italy, and you immediately start thinking about that really funny story you’ve got when you were in Naples, you know, and you’re not listening anymore. It’s just, it’s social etiquette in a way, isn’t it? Catherine Morgan 17:39 It says and that’s the challenge, isn’t it? It’s like, Where is that boundary? When do you listen? And when do you participate? And I think that in a coaching relationship, you can do both. But in a pure coaching capacity, you want ideally kind of 90% of that conversation to be coming from the client and 10% to be coming from the coach. So one of the skills is kind of learning to listen and feedback and kind of, you know, checking for accuracy when the client says something rather than, like Chris, you might say something like, Oh, I went to Spain on holiday this year. And when I was a kid, like my dad used to tell me this about money, that your natural reaction is to be like, Oh, yeah, I went to Spain, and I went to stay in this house and it was beautiful. It was right by the sea, and there’s all these trees blowing in the wind, and you start to go down your story. And that’s really difficult to do. So one of the skills is just about listening, repeating back what you heard the clients say, and checking for some accuracy. So you know, oh, I heard you say this, tell me a bit more about that. Or what did I miss in that conversation? And then maybe once they finish that story, you could then share with them a very short snippet of your experience. Chris 18:53 The purpose of that is to align empathy, sympathise with the client rather than to be sharing a story for it’s own sake. Catherine Morgan 19:02 Yeah, I think we want to talk about ourselves, because we want that sense of belonging. Don’t wait, and we want to be liked. Chris 19:09 Well, I’m also really interesting. I’m more interesting than the person I am talking to usually, frankly. Catherine Morgan 19:16 And that’s it isn’t it is that we think that, well, we want to dominate the conversation, because we’re interesting, and we want to be liked. And we want that sense of belonging and that sense of community and that sense of purpose. And sharing those stories with each other. And having, you know, dialogue between each other is what will create that, but when you’re in that coach capacity, the challenge there is that we know from research that if a client has more radio time in their meeting, they have much more significant change. And that’s really powerful to think about next time you go out to the pub, or you’re chatting to a friend or you’re interviewing someone on their podcast. Then if you just sit back and ask loads of really great questions. And not and kind of almost like, hold that back, which is really difficult to do but hold that natural reaction back to share your stories, you’ll find that when the client has finished that meeting, they’ll feel more fulfilled, because they’ve been heard. They’ve been given that space to share things about themselves that perhaps nobody’s ever asked them before. Chris 20:25 So if a person is going to go and see a financial coach or money coach, and we won’t worry about the distinction between the two, we lump those together for the moment, then they should expect to be doing most of the talking. And they’d be to be challenged on a few of their assumptions that they didn’t know they had. Is that a reasonable summation? Catherine Morgan 20:41 Yes, yes. Chris 20:42 Cool. And I suspect that is a significant difference for most people than when they go and see their financial advisor, Catherine Morgan 20:50 And sometimes it depends on what the client needs and what they’re ready for. Because one of the things I, I would say with financial coaching is the client has to be ready for that change work, they have to be in a state of ambivalence, if they’re not in that state of ambivalence, they’re not ready for change. And if they’re not ready for change, then they’re not going to be motivated, they’re not going to have the meaning and purpose behind creating change. So financial coaching isn’t necessarily right for everybody at every step of the journey. But I do believe that unless we understand the client’s thinking and feeling behind money, and the meaning and purpose that they connect to money, then for me, the financial plan, or the advice that’s delivered afterwards, won’t work, or it won’t work as effectively Chris 21:35 Won’t have as much meaning certainly will it? Catherine Morgan 21:37 No, absolutely. Chris 21:38 So, you obviously run your training course for financial advisors to learn financial coaching skills, but early days for the for this whole process. And I think it’s reasonable to say, would you agree that somebody should really at the moment, or could at the moment, have both a financial advisor and a financial coach? And both can work alongside each other and work well together? Catherine Morgan 21:57 Yes, I do. I think that there’s merits of just having financial coaching on its own. And I’m a big believer in that should be step one. And I won’t take on any regulated financial work with a client until I’ve done financial coaching with them. And that’s just my choice. But I think that there’s also the ability for a regulated financial advisor to incorporate elements of coaching into their practice. So there’s lots of tools and exercises that I teach advisors to use, where they can just gently nurture that into the work they’re already doing. Now, the benefit of that, as opposed to a pure coaching meeting, is that if they’ve got an existing established relationship with a client, and they’re just wanting to dig deeper into that relationship, because really, that’s what it’s all about, it’s all about relationship creation, then they can do that in a way where they start to implement coaching into their practice. So one of the things I do is to have what I call a storytelling meeting with a client, so either right at the very start of onboarding a new client, or if I’ve got an existing relationship with a client, I’ll have an independent storytelling meeting with them. And in that storytelling meeting, that’s where I want to get really, really deep with their beliefs around money. And what meaning are they attaching to money. So for example, if I’ve got a client who is always picking up the phone, when the stock markets go down, because they’re catastrophizing situations, they’re going into that kind of catastrophic thinking, then I really want to help them to see the benefits of releasing some of that, and letting go of some of the stories of the future, which is really what catastrophic thinking is all about. So that next time that happens, they’re less likely to feel that anxiety. And if they’re less likely to feel that anxiety, and get that emotional flooding that happens in the brain, then I’m more likely to get a better outcome for the client and the client is more likely to get a better outcome because they’ll sleep at night. So I think that there’s there’s definitely an opportunity for different skills to be gently nurtured into a regulated meeting, but also for it to be a standalone service. Chris 24:06 Yeah, yeah. You’ve brought us very nicely then onto what was I was gonna say was going to be our main subject, but we’ve got really interested to an interesting subject of what financial coaching is, but let’s let’s look at the the six reasons people feel anxiety. I’m assuming I’m gonna give this a go. catastrophizing is that one of those six? Catherine Morgan 24:23 Yeah, so I’ve kind of lumped this into, like, just human biases in general. And I know Chris, you’ve done a lot of work around this with new age with behavioural finance. But you know, our natural human biases is definitely an area that can cause financial anxieties and catastrophic thinking is definitely one of them. But, but also, what’s interesting for me is that the brain does have certain biases, so we are programmed to stay busy. We’re programmed to conserve energy. We’re programmed to pay attention to the here and now. So when a financial planner or advisor or a client’s thinking okay, so I need to relax, I’m going to meditate, I need to exercise regularly, I need to think about my financial future, what I’m going to do when I retire, you’re automatically going against what the brain wants to do naturally, because the brain’s purpose is to protect, otherwise it goes into fight or it goes into flight mode. So the with that message in that belief, well, if we’re programmed to stay busy, it’s gonna be really hard to meditate. We’re programmed to conserve energy. So when we tell ourselves, oh I need to start going to the gym a bit more often, you can see that if the motivation is not there, and the thinking is not there, then it’s gonna be really, really difficult. Chris 25:38 I’m really glad you’ve used that example, because that explains why I don’t go to the gym. Catherine Morgan 25:44 Me too. I’m definitely with you on that one. Chris 25:48 So are we, are you able to list the six reasons people feel anxiety, then we can go through them? Catherine Morgan 25:54 Yeah, sure. So the first one is human biases. The second is comparing ourselves. The third one is emotions override logic. The fourth is our belief system. The fifth is being unprepared. And the sixth is physical wellbeing versus mental wellbeing, I probably could have listed another three, actually. But those are the six main ones. Okay. Chris 26:16 So what have we touched on? Already, we’ve touched on human biases. Let’s, let’s have a look at comparisons, then. Catherine Morgan 26:21 Yeah, so this is a really interesting one for me. Because comparisonitis is, it, that its main objective is to compare ourselves to other people. to anchor our self-worth on everybody else’s life, you know, we hear this common phrase about keeping up with the Joneses, for example. Now, all that does, it’s a natural bias is to compare ourselves. But all that does is to create a sense of lack. So it just highlights what we don’t actually have rather than what we do have. So practising gratitude, and actually identifying your own sense of purpose, your own identity, your self worth, will actually really help to remove any of those anxieties that we feel when we start comparing ourselves to everybody else. Because when we feel anxious about our, our own purpose, or our own situation is it then affects our whole ability to follow advice, or to create any changes. And, and if you think about it, is it’s giving away that power, isn’t it, when you start to compare yourself to other people, you have no idea what’s going on in their lives, really, even your best friend, you don’t necessarily know what’s underneath everything you don’t know their financial situation, you don’t know their status, their relationships, their wellbeing their physical health and mental health. And so all comparisonitis does is gives away your power to somebody else. And it’s the small steps of imperfect action, that create a good sense of wellbeing. And that’s what we need to focus on. Chris 27:52 I love that Theodore Roosevelt, quote, “comparison is the thief of joy,” which is the space that I’m going to do the very thing that we just said that you shouldn’t do, which is I just made me think of a little story. Because it’s about me, a friend of mine sold his business for really quite a lot of money, like several millions, you know, a lot of money and lovely chap. And when he told me about this, the rest of the weekend, I was really fed up. And it really affected me because I was thinking, what can I do with that money, and if only this than the other, and it got to the Sunday evening, and I’d had a pretty miserable weekend, if I’m honest. And on the Sunday evening, I suddenly was walking along with the dog and I went, hang on a minute. The fact that he sold his business for lots of money, literally has nothing to do with me at all. Well, I was pleased for him. Don’t get me wrong, but it was also making, why is this making me feel sad? This is ridiculous. And I just snapped out of it. Because I realised it literally had nothing to do with me. It made no difference to my life whatsoever. But it still affected me for about a day and a half. You know, it still got under my skin. Catherine Morgan 28:56 Yeah, absolutely. And that’s natural, completely natural to, to compare yourself to somebody else, and particularly financially. Because what’s really at the core of that, Chris, is the meaning that you attach to that success, the meaning that you attach to the fact that he’s just sold his business for a few million pounds, because you’re starting to think about well, what would I do with that money if I had that myself. And so it’s the meaning that we attach to it, whether that’s a sense of security, a sense of peace of mind, a sense of wellbeing a sense of safety. I know, Chris, you’ll be very familiar with Maslow’s hierarchy of needs. And, you know, when we, when those foundations shake, and many of us would have experienced that recently with COVID, with lockdown and people losing jobs and taking pay cuts and having, you know, think areas of their work that will completely just disappeared overnight. That will rock that sense of security and safety. And so when we hear these stories from other people about well, I’ve just sold my business for a few million pounds. Then we start to question our own self worth. Well, why haven’t I done that? And I’m completely capable of doing that. And then you start to go into those negative emotions that we connect with money. Now those negative emotions that we connect with money come from two main sources, they come from our personal relationship with money and our cultural influences around money. So culturally, in Britain, for example, if you go right back to the aristocracy days, it was all about land and title. And if you didn’t have land, you didn’t have title, you had no value or worth in society. Now, whilst we don’t have that cultural belief, now, it sits in our British history. And so you can see that when we learned about it in history at school, it’s about land and title and who you marry and where you live. And particularly as a man as well, it was all about being the provider, going out, doing work and being a provider. And so when we think about it, just culturally, that can have a huge impact, particularly for men on their position in the household when it comes to wealth creation. And that’s when your meaning and purpose when you hear stories from others can start to filter through those beliefs, not just culturally, but also your personal experiences and how you grew up around money. And if you think about them as like filters, your mind has to get through all of those filters before you can then do just as what you did, Chris, and bring yourself back to the present moment. That actually this has nothing to do with me, this has nothing to do with my own ability. Chris 31:26 That we’re talking about emotion over logic during all of this in many ways, aren’t we? Yeah, without that the other ones that there was I’ve got that right. Emotion over logic was one of the six I think you mentioned I was furiously writing away, as you were telling me. But certainly that little story I told, you know, that would definitely was me, me having emotion of over logic. So I guess every emotion of logic is one of them. And then what can we do to stop ourselves from taking what is surely quite a natural reaction to be emotional rather than logical? Catherine Morgan 31:55 Yeah, I think the first thing is to understand the triggers, and then manage the emotion. So a lot of people talk about how negative anxiety can be in depression and things like that they’re not actually negative at all, they often serve to protect us and shield us away from harm and pain. So if you were to draw on a piece of paper, an arrow, and in one direction, you’ve got pleasure on one side and pain on the other, it’s about our brain’s ability to protect us from pain and drive us towards pleasure. Now, there’s lots of human biases, which I won’t talk about right now. But there’s lots of biases that can talk about when we’re driven more towards pleasure and away from pain, that loss aversion, for example, but when emotion overrides logic, then it’s either because we’re trying to protect ourselves from pain. And that may be because of a trigger or something that’s happened in the past. Financial forgiveness is a huge area of work, we often do have to forgive ourselves for things that have happened in the past. Because if we hold on to those beliefs, then they self sabotage. And they affect our sense of self worth and well being. So that that’s definitely one of those areas. But the emotion that we feel will be either what we think is negative, so anxious, or stress, depression, those sorts of feelings, or we have positive emotions connect to emotion. So that can be happiness, joy, pleasure. So the first thing is to understand when emotion overrides logic is almost thinking of that emotion, almost like a sub personality, a completely different person. So when, when emotion plays highly for me in a negative way, so for example, I don’t know let’s say I was going to show up on a Facebook Live and I’m thinking, Oh, God, I can’t do that. Because I’ve got spots all over my chin, and I, you know, I haven’t had my hair cut in 17 weeks. And we come up with all these reasons like that inner critic comes out, if you think of that inner critic as a separate person and give it a name. So my inner critic is called Emma. And I have another one called Elvis, but when Emma comes out, then I just think, Okay, so what you’re trying to tell me here? Is she trying to protect me? Or is she trying to give me a message of some description to maybe help me to do something that I may be just not feeling very confident enough to do? And understanding the triggers behind those emotions is really important. So one of the things that massively triggered me to overspend in my 20s was this over riding sense of unworthiness and body shame, because I didn’t feel comfortable with my body. I had eating disorders all through my teenage years, and I was badly bullied at school. And so for me, every time I felt bad about myself, I would spend and because the feeling was, well, if I spend money on clothes, I’ll feel better about myself. But the trigger was not feeling good enough. Not being worthy enough. And so I did a lot of work around just repeating to myself every day I am worthy. I am good enough. I always have And I always will be and I had this like money manager that I’d save on a screensaver on my phone, I’d have it written on my mirror, when I was doing my makeup every morning, I’d have it, have it as anchor points when I was brushing my teeth, I’d have it on the mirror there. So that I constantly reaffirm this belief that I didn’t have growing up that I was worthy, and I was good enough. So understanding triggers, and then managing the emotion to think about, okay, is this serving to protect me? Or is it there to self sabotage, in which case, Mr. You can just thank you very much for that message. But you can just disappear right now, while going through that Facebook Live. Chris 35:37 I thought you were gonna use another word were to Emma, just for a moment there. I don’t like me very much. I don’t like the sound of her. It sounds to me, I mean, we kind of running out of time, we need to just go the last couple. But thank you for sharing that Catherine. And the message that I get from that is that this takes work, it’s not something that’s just gonna happen, you’re just suddenly not going to become better make make much better money decisions, you do need to put a bit of effort into it. Catherine Morgan 36:03 Yeah, and that. So that leads on to Tip number four, which is about those beliefs. So just to kind of summarise that belief system and how it works. And we, money is largely emotional. It’s the meaning that we attached to money that forms our set of beliefs and thoughts. And so one of the great things to do is to think about what your money story is, what messages did you hear growing up about money, that will then sit in your subconscious beliefs as your unconscious belief system, and that becomes almost like a compass, or a navigator that navigates our internal belief systems that drives how we behave. So if you’ve got a piece of paper, and you’re listening to this, write down three things, how we think, how we feel, and how we behave. If you want to change how you behave around money, or your wellbeing, you’ve got to first of all change how you think and how you feel. So how you change how you think, is to start bringing some curiosity and awareness to what some of those money stories are, because you’re anchoring every thought about money on that belief system. And that’s when you can create money blocks, because you believe that money doesn’t grow on trees, because that’s what your dad said. And that becomes your navigator. Well, if money doesn’t grow on trees, I’m never going to create enough of it. And that creates that feeling of not enoughness. So you can see where that those kind of thoughts can develop into our behaviours around money. Chris 37:27 So the last couple that we have is being unprepared and the physical versus mental. So what does the unprepared, I mean, that sounds like you just get prepared. That’s right. Catherine Morgan 37:40 Yeah, it sounds like really simple, right? But there’s so so often we don’t get prepared, we don’t get prepared because of inaction. Because we don’t feel confident enough. And that could be because you, you just need to go and learn about something you need to learn how to go and budget or learn how to manage the emotions or learn how to implement different systems in your business, for example, or in your personal finances. That’s just about understanding. But it is also connected very deep into the emotional belief system. So that’s why you can say, Well, I’m not prepared. I haven’t got a spending plan in place. But the reason you haven’t got a spending plan, plan in places is likely to do with your belief systems and the feelings you are attaching to money. Chris 38:25 It’s about taking those conscious steps, isn’t it? I always, I always compare this to playing the guitar. So I play guitar. Anybody who’s been on a zoom meeting with me over the last few months? No, it’s not far away from coming out. And a lot of people, especially older people, I wish I’d played the guitar, but you know, I’d never I’ve never really bothered. And I always say to people go on then learn to play, oh, no, I’m too old. Now. I can’t do anybody can learn anything. Well, not quite anything. I’m never going to be good at football, for example. But anybody can learn to play an instrument, it doesn’t matter. If it’s just you’re not really good, you still get joy from playing it. And I always say to people, 10 minutes every day, that’s all you need. If you picked up that guitar, and just did a bit of practice for 10 minutes, every day, within a year, you will be passible at playing on the guitar. So you’ve just got to set aside some time to do something. So let’s finish off then with physical versus mental. What’s that all about? Catherine? Catherine Morgan 39:19 I think that that there’s a there is a big connection between our physical wellbeing and our mental wellbeing and we do need to look after both. But often there’s a clash isn’t there between Well, there’s all these things I want to do and learn and you know, actually I’m not feeling great and my mental health not great, but my physical health not great. So it is understanding that the two are very much connected. So the more you can do around your mental wellbeing will support your physical wellbeing and vice versa. So things the simple things like, you know, having a gratitude diary or doing a daily mood analysis, just to bring some curiosity to Okay, so this is how I’m feeling. Or this is the problem for me right now. How do I support my mental and physical wellbeing. And we can all see from recent events of lockdown. If you’re listening to this, we’re recording in July 2020. So if you’re listening to us right now, you’re just we’re just coming out of lockdown. And our physical wellbeing and our mental wellbeing has been hugely stretched. So that it’s a constant balance between the need to look after both. Because if you just focus on one and not the other, then it’s not going to support your overall well being and your mental wellbeing 100% I really believe that financial wellbeing is not just about the practical stuff, it’s not just about the practical stuff is actually more important to learn how you can influence and to help how you feel about money first, before you go on to the practical steps. Chris Fantastic. Catherine, we could talk for hours, we know that because we have done! This has been a fascinating overview. I would just mention a few of the other podcasts that we’ve had on similar subjects, we’ve definately covered different topics. But we’ve had Simone Gnesson on quite some time ago. We’ve also had Mark Bristow, Neil Bage and Greg Davies have talkied on behavioural stuff. So we love all this sort of thing and you’ve bought some really interesting insight to it. Thanks, really, really appreciate you joining us. Catherine Morgan You are welcome, thanks for having me. David Really interesting chat that, it struck me that Catherine is a bit like a psychotherapist really. In which what she needs to do and she talks about it in that interview, is to sit back, listen very carefully to what the client is saying and then reflect it back in a way that they can learn from it. And I do like the way, and Chris you picked yourself up on it, at the begninning of the interview you both agree that the worst thing you could do as a financial coach is to introduce your won stories into the meeting because by doing that the client might pick up on what you’re saying. And perhaps re-invent what they’re saying because they want to please you. So it’s very important that we sit back and don’t tell a story. And then half way through you went ‘Oh, that reminds me of a story I want to tell, about a guy that just sold his own business. And actually, the anecdote you gave was perfect, but it just goes to show. And the reason I recognised that in you is because I do that aswell. You know we always think we want to tip in with a story. Chris I didn’t say I was ever any good as a financial coach! There’s a point just there I want to make actually, about this word coaching, because it gets used a lot in a lot of different ways. It’s really important that the public know what they are getting when they go and see somebody. So we would talk at Ovation with Tommo, we would talk about having a coaching first and then planning and then advice approach to financial planning. I have been talking at confrences for a decade now about this coaching, then planning, then advice. Coaching in this context, we’re talking about using coaching skills, listening and questioning skills, to help a client do the ‘know thyself thing’ that we talk about. Understand what will make them happy, OK. So it’s really a very broad use of the word. It’s about listening and questioning skills. You don’t bring any of your own agenda in, you just help a client to think. Thats what we are talking about with coaching there. A financial coach will have those skills, but they are bringing in skills to talk about a specific topic, which is your relationship to money. So it’s a different thing. It’s still within the same world if you see what I mean, but it’s a different skill set. There’s one extra bit to add to that as well, which is if you go to see a financial coach, they are unregulated. They are not regulated by the FCA. They won’t be giving you any investment advice or anything like that. They are focassing on talking about your relationship on money. So actually, perfect world, you’ll use a financial coach and then you’ll see a financial adviser who uses that coaching skill, that coaching, then planning, then advice. That for me is the perfect combination. David Excellent. And listening to Catherine, I found it very interesting in that, and I mean this with no disrespect intended to her at all, becasue I can listen listen to her all day actually, but there wasn’t anything she told me that I kind of don’t know already through having done all these podcasts that we’ve done. So she really reinforced a lot of the messages that we’ve been getting across. But did it in a way that I found quite compelling. Chris And one of the things that I found over the years, in the next podcast we are talking about self-determination theory for example, it took me about eight readings of that idea to get my head around it. So actually you do need the same thing said to you several times to really start to get into it. But Catherine also goes quite deep into this stuff when you get into some of her podcasts and some of the stuff she does. She does get very much deeper into some of this relationship stuff. David Yeah, and she’s got her own website aswell, so if you want to find out more about Catherine and her work you can find her on ‘tinternet. Tommo, is there anything you would like to add at this stage? Producer Tommo No, other that we will try and add something to the show notes. But I think I would echo everything you said. I’ve know Catherine for a number of years now and she’s doing some great work, so really great to have her on. As Chris said, how it’s taken this long for her to be on the podcast is beyond me. But she is now, so I hope you all enjoyed the interview. David Excellent, well as ever it’s been a huge pleasure to spend some time with you guys, if only virtually. Maybe soon, we will be able to meet up and do this in the same room again. Or maybe we will just decide we will carry on doing it remotely. Who knows. However, that’s for you listeners to find out at some point in the future when we come back for another one of our financial wellbeing podcasts.


25 Jul 2021

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Stepping into your Financial Jimmy Choos with Catherine Morgan

Live Your Dreams Awake Podcast

Women are believed to be the caregivers, that they are not the main wealth creator, such that they are often underpaid. This is one of the self-sabotaging behaviors around money which was lent to us from our parents and from past family generations. There are several money scripts that are in our subconscious but have a profound impact on our financial behavior. Our conversation with our guest in today's episode of Live Your Dreams Awake will be about the misconceptions around wealth and how to bust the myths around wealth and abundance. Our guest Catherine Morgan is a qualified financial planner and she helps people, especially women on how to manage emotions when handling money and rewrite their stories about money. Enjoy listening!  REMEMBER - "When we feel not good enough, we feel we won't have enough." - Catherine Morgan  This week's feng shui tip is to help you enhance prosperity in your life.  So what do you do? Well, you write a check to yourself from the universe for the amount of money that you'd like to attract into your life. This might sound a little bit crazy but it did work for Jim Carrey and countless other people that I know. So, all you have to do is write a check to yourself from the universe for the amount of money that you wanna attract into your life and place it somewhere special.   HIGHLIGHTS OF WHAT WE COVER DURING THIS EPISODE: Catherine introduces herself and her background to becoming a Financial Adviser. How did Catherine end up deciding to be a financial planner?  The shift from being deep in debt to get out of the cycle of not being good enough to handle money; from £30,000 in debt to running a multi 6-figure business. Beliefs on women around wealth creation. Action steps people can do on how they look at money? (...Looking at the patterns of money beliefs that were lent to us.) Catherine Morgan's advice on investing for women. The book that Catherine recommends. LINKS & RESOURCES: The Money Atom Exercise by Dr. Brad Klontz from Episode 123 The book that Catherine recommends: It Didn't Start with You: How Inherited Family Trauma Shapes Who We Are and How to End the Cycle by Mark Wolynn Free meditation guide to step into success CONNECT WITH CATHERINE MORGAN: Podcast - In Her Financial Shoes Podcast Free Quiz CONNECT WITH PATRICIA: Pop-Up Powerhouse Party Instagram YouTube Website Twitter QUOTES: "More women with more money makes a bigger difference in the world." Patricia Lohan "I used money as a tool to make me feel better about myself." - Catherine Morgan "A lot of people have a self-sabotaging behaviors around money because they have a deep sense of not-enoughness."- Catherine Morgan "When we feel not good enough, we feel we won't have enough." - Catherine Morgan "What your financial values say about you and often the best place to start is looking at your bank statement." - Catherine Morgan "Investing is not just for the wealthy."- Catherine Morgan


30 May 2021

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#122 | Figuring Money Out | Budgeting with Catherine Morgan (Episode 1/5)

Free and Figuring It Out

FIGURING MONEY OUT | 5 part mini-series Episode one - BUDGETING with Catherine Morgan Catherine Morgan is a multi-award-winning qualified financial planner and award-winning financial coach, on a mission to reduce financial anxiety and increase financial empowerment & resilience for 1 million women around the world. Featured as One of the top 32 female entrepreneurs to look out for in Business Leader. She is host to the top 1% global podcast ‘In Her Financial Shoes’ and founder of The Money Panel. In this episode we discuss: What a budget actually is (1.15) It’s less about the money, but the meaning we have given to it (3.10) Creating budgets can make some feel safe (5.30) Starting to try and budget (7.15) Remember where you are at before you start (9.20) Building a better relationship with your bank accounts and apps (13.20) Inheriting our beliefs around money (15.30) Abundance can feel out of reach (18.30) Use a spending plan if budgeting triggers you (19.20) How to budget when you feel you don’t have choice (22.45) Looking at negotiables and non-negotiables (25.15) Changing future generations relationship with money (26.15) Unexpected costs (27.20) Looking at past 12 months spending and creating money pots (30.45) How to budget when you feel you start the month at £0 after paying bills (32.15) Honouring your self-worth and increasing your income (35) Why connecting your sense of self with money can be dangerous (36) Spiritually bypassing vs getting realistic with money (37.30) The next small step (39.45) Postponing worry (40.45) Sticking to spending plans (41.30) Recommendations Brene Brown’s podcast It didn’t start with you by Mark Wolynn [book] Have some feedback, a question you would like us to answer or a topic suggestion? Drop us an email at freeandfiguringitout@gmail.com Follow us https://www.instagram.com/freeandfiguringitout/ Your hosts are... Charelle Griffith (she/her), 32, is a marketing strategist for coaches and consultant, and founder of PropelHer (an online platform and book club for ambitious women). Connect with Charelle on Instagram. Verity Brown (she/her), 34, is a northerner, proud queer woman and the founder of The Authentic DatA Revolution (tadar.org) Connect with Verity on Instagram. Disclaimer: All information provided by Free and Figuring It Out is for informational and educational purposes only and does not constitute financial advice. Free and Figuring It Out provides general information only and does not provide individual advice. For individual financial advice about your circumstances, please refer to an independent financial advisor.


7 May 2021

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Catherine Morgan: Building an International Financial Coaching Business

Grow My Accounting Practice | Tips for Accountants & Bookkeepers to Grow Their Business

In this episode, Catherine Morgan shares how understanding our relationship with money is the key to unlocking income ceilings that prevent you from growing profits in your business. She also discusses why financial education is not the answer to financial poverty, how our clients really make decisions with their money, and why financial coaching could be the future of your value add proposition.


15 Apr 2021

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How To Stop Overspending w/ Catherine Morgan

Secrets To Saving Money

Overspending is something we've all done - and every know and then it's okay. But overspending on a regular basis, especially when you can't afford to can have negative impacts. Identifying and understanding what causes us to overspend can help us stop it, and perhaps save us £100s or even £1,000s. I'm joined this week by Catherine Morgan (host of the In Her Financial Shoes podcast), to talk about what goes on in our heads, and our mindset around spending money and overspending - with steps to stop it. This is a truly fascinating interview, that made me look at spending money like I've never looked at it before.  Be sure to stick around for the deal of the week at the end too for a nice freebie! Links: Pouch (sponsor): http://joinpouch.com/i/jordon My Website: https://jordoncox.com/ GeoGuesser: https://www.geoguessr.com/ Catherine's Website: https://catherinemorgan.com/ Overspend Article: https://themoneypanel.co.uk/find-your-money-leaks-stop-overspending/ Free Fairy Sample: https://fairyplatinumplus.supersavvyme.co.uk/


5 Mar 2021

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6: Interview - Catherine Morgan - A Life Path 22 with a 9 approach – on a mission

Bizology Soundbites Podcast

Some entrepreneurs are here to change the world one person at a time.  In this interview with founder of The Money Panel, Catherine Morgan, we look at her master number energy and how by knowing this has connected her to her impact she is here to make in the world through her business.  Dive in and listen to this week’s episode and share with your community.  I would love to hear your feedback.Catherine Morgan is a multi-award winning qualified financial planner and financial coach, on a mission to change the financial services industry from one of complicated financial products to one that helps educate in simple language with no financial jargon (and no suits!). She is on a real mission to encourage women to address those taboo subjects around money and explore the emotional and practical sides of money, rather than just focusing on financial products. Take Catherine's Money Personality Quiz or listen to her podcast, In Her Financial Shoes. ----------If you would like to know more about working with me check me out here … https://josoley.com/Book a discovery call with me to learn more about your numbers and ways to work with me here …https://calendly.com/bizologywithjosoley/20min?month=2021-02Discover your Life Path number and what this means for your business here …https://josoley.com/discover-your-life-path-number-download/


3 Mar 2021