It’s a milestone episode  Join the guys as they commemorate a remarkable journey in financial wellbeing. They share some favourite moments, highlight memorable guests and share some unbeatable #tightasstommotips and top financial wellbeing tips from you, our incredible listeners . . . Welcomes &amp; Introductions how it all startedlink to the Financial Wellbeing Bookfancy seeing the guys in action? Link to YouTube for videosWant to work with Producer Tommo and a like minded team? Come and have a chat with Ovation Todays Topic No Shizzle Sherlock Happiness is a side effect of doing things that are meaningful to you Will Stanley  #TightAssTommo Tommo’s financial wellbeing journey – finding the value in spending The original Tightasstommo story as told by David Lloyd Shout out to some of the best tips over the episodes, thank you: Chris Deams, Simon Reed, Chris Ankers and Alexander Riley Link to Married Person Allowance details Impulse purchases – Dave’s painting and who remembers Chris’ canoe! #tightasstommotipoftheweek – play the long game Wellbeing Words Ikigai (ee-kee-guy) – episode 25 Tartle – episode 28  kalsarikännit (cal-sar-y-cuhn-eet) – episode 24 How a link with cancer charity Penny Brohn led to Chris Budd writing The Financial Wellbeing Book. Great guests on the Podcast; Miles Hilton-BarberNick ElstonMaria NedevaLeon TaylorNeil Bage What topics would you like us to return to or cover? Do you agree with David and universal income? Or Do you agree with Tommo, navigating finances with young kids? What guests would you like to hear from? Come and talk with us at – contact@financialwell-being.co.uk Financial Wellbeing Tips from others We spoke to the Ovation Finance Team and attendees at the 2023 IFW Conference for their top Financial Wellbeing tips Hello from Producer Tammy  and her Financial Wellbeing Tip Conclusions from the guys

It’s a milestone episode Join the guys as they commemorate a remarkable journey in financial wellbeing. They share some favourite moments, highlight memorable guests and share some unbeatable #tightasstommotips and top financial wellbeing tips from you, our incredible listeners . . . <h4>Welcomes &amp; Introductions</h4> <ul><li>how it all started</li><li>link to the Financial Wellbeing Book</li><li>fancy seeing the guys in action? <a href="//www.youtube.com/@OvationFinance/featured" rel="noreferrer noopener nofollow" target="_blank">Link to YouTube for videos</a></li><li>Want to work with Producer Tommo and a like minded team? <a href="//ovationfinance.co.uk/contact/" rel="noreferrer noopener nofollow" target="_blank">Come and have a chat with Ovation</a></li></ul> <h4>Todays Topic</h4> <h4>No Shizzle Sherlock</h4> <blockquote>Happiness is a side effect of doing things that are meaningful to you Will Stanley </blockquote> <h4>#TightAssTommo</h4> Tommo’s financial wellbeing journey – finding the value in spending The original Tightasstommo story as told by David Lloyd Shout out to some of the best tips over the episodes, thank you: Chris Deams, Simon Reed, Chris Ankers and Alexander Riley <a href="//www.gov.uk/marriage-allowance" rel="noreferrer noopener nofollow" target="_blank">Link to Married Person Allowance details</a> Impulse purchases – Dave’s painting and who remembers Chris’ canoe! #tightasstommotipoftheweek – play the long game Wellbeing Words Ikigai (ee-kee-guy) – <a href="//www.financialwell-being.co.uk/2017/10/19/episode-25-behavioural-economics-with-greg-davies/" rel="nofollow" target="_blank">episode 25</a> Tartle – <a href="//www.financialwell-being.co.uk/2017/12/14/episode-28-db-or-not-db-that-is-the-question/" rel="nofollow" target="_blank">episode 28</a> kalsarikännit (cal-sar-y-cuhn-eet) – <a href="//www.financialwell-being.co.uk/2017/09/22/episode-24-personal-responsibility-against-financial-fraud/" rel="nofollow" target="_blank">episode 24</a> How a link with cancer charity <a href="//www.pennybrohn.org.uk/" rel="noreferrer noopener nofollow" target="_blank">Penny Brohn</a> led to Chris Budd writing The Financial Wellbeing Book. <h4>Great guests on the Podcast;</h4> <ul><li><a href="//www.mileshilton-barber.com/" rel="noreferrer noopener nofollow" target="_blank">Miles Hilton-Barber</a></li><li><a href="//www.financialwell-being.co.uk/2019/10/20/episode-55-overcoming-anxiety-with-nick-elston/" rel="nofollow" target="_blank">Nick Elston</a></li><li><a href="//www.financialwell-being.co.uk/2018/02/15/episode-32-getting-out-of-debt-with-maria-nedeva/" rel="nofollow" target="_blank">Maria Nedeva</a></li><li><a href="//www.financialwell-being.co.uk/2023/06/30/episode-99-beyond-the-finish-line-with-leon-taylor/" rel="nofollow" target="_blank">Leon Taylor</a></li><li><a href="//www.financialwell-being.co.uk/2018/05/12/episode-36-understanding-our-attitude-to-risk-with-neil-bage/" rel="nofollow" target="_blank">Neil Bage</a></li></ul> What topics would you like us to return to or cover? Do you agree with David and universal income? Or Do you agree with Tommo, navigating finances with young kids? What guests would you like to hear from? Come and talk with us at – contact@financialwell<a href="http://-being.co.uk" rel="nofollow" target="_blank">-being.co.uk</a> <h4>Financial Wellbeing Tips from others</h4> We spoke to the <a href="//ovationfinance.co.uk/team-members/" rel="noreferrer noopener nofollow" target="_blank">Ovation Finance Team</a> and attendees at the 2023 <a href="//instituteforfinancialwellbeing.com/" rel="noreferrer noopener nofollow" target="_blank">IFW </a>Conference for their top Financial Wellbeing tips Hello from <a href="//ovationfinance.co.uk/team-members/tammy-devonald/" rel="noreferrer noopener nofollow" target="_blank">Producer Tammy</a> and her Financial Wellbeing Tip <h4>Conclusions from the guys</h4>

Episode 100 – Celebrating 100 Episodes!

Episode 99 – Beyond the Finish Line with Leon Taylor Bear with us – we promise there is a link between diving and financial wellbeing! Join us as we chat with Olympic medallist Leon Taylor about the importance of embracing the journey rather that fixating on specific outcomes. A conversation that will improve your perspective for wellbeing and possibly save you money in #tightasstommo Welcomes &amp; Introductions Want to work with Producer Tommo and a like minded team? Come and have a chat with OvationChris updates us with his new vinyl venture! What’s on todays podcast? Chat with Olympic athlete and coach Leon Taylor about his experience around setting and achieving goals. No Shizzle Sherlock “Expect people to do well, then reinforce the positive rather than criticize the negative”Leon Taylor How Ovation use this in client meetings Tight Ass Tommo Mrs Mummypenny – Give yourself incentives to saveChristiaan Coolen, financial planner at Ovation – Park on my Drive.com Interview with Leon Taylor Whilst listening, imagine Leon is talking about our relationship with moneyWhat is the Olympic village like?Life goals &amp; how it evolved over timeChanging behaviours for a committed decisionObsession to put up with the hard for for progressionWhat happened after winning the silver Olympic medal?Building good foundations for better habitsFocus on the enjoymentGoals are finite, work on where you areSet a goal, let go of it and concentrate on the processWhere can you start with small wins to go in a better direction?Mentoring Conclusions from the guys If you have self limiting beliefs around money, start with small changes to build up to a big difference A good financial planner can use coaching to help clients understand and enjoy the process of improving your relationship with money. Leon Taylor is a former British diver and won a silver medal at the Athens Olympics. He has been a mentor for many athletes and now speaks about mental wellness along with commentating on the diving for the BBC. Click here for more information on Leon’s book Mentor

Episode 99 – Beyond the Finish Line with Leon Taylor Bear with us – we promise there is a link between diving and financial wellbeing! Join us as we chat with Olympic medallist Leon Taylor about the importance of embracing the journey rather that fixating on specific outcomes. A conversation that will improve your perspective for wellbeing and possibly save you money in #tightasstommo <h4>Welcomes &amp; Introductions</h4> <ul><li>Want to work with Producer Tommo and a like minded team? <a href="https://ovationfinance.co.uk/contact/" rel="noreferrer noopener nofollow" target="_blank">Come and have a chat with Ovation</a></li><li>Chris updates us with his new vinyl venture!</li></ul> <h4>What’s on todays podcast?</h4> Chat with Olympic athlete and coach Leon Taylor about his experience around setting and achieving goals. <h4>No Shizzle Sherlock</h4> <blockquote>“Expect people to do well, then reinforce the positive rather than criticize the negative”Leon Taylor</blockquote> How Ovation use this in client meetings <h4>Tight Ass Tommo</h4> <ul><li>Mrs Mummypenny – Give yourself incentives to save</li><li><a href="https://ovationfinance.co.uk/team-members/financial-planner-christiaan-coolen/" rel="noreferrer noopener nofollow" target="_blank">Christiaan Coolen</a>, financial planner at Ovation – <a href="https://www.parkonmydrive.com/index.php" rel="nofollow" target="_blank">Park on my Drive.com</a></li></ul> <h4>Interview with Leon Taylor</h4> <ul><li>Whilst listening, imagine Leon is talking about our relationship with money</li><li>What is the Olympic village like?</li><li>Life goals &amp; how it evolved over time</li><li>Changing behaviours for a committed decision</li><li>Obsession to put up with the hard for for progression</li><li>What happened after winning the silver Olympic medal?</li><li>Building good foundations for better habits</li><li>Focus on the enjoyment</li><li>Goals are finite, work on where you are</li><li>Set a goal, let go of it and concentrate on the process</li><li>Where can you start with small wins to go in a better direction?</li><li>Mentoring</li></ul> <h4>Conclusions from the guys</h4> If you have self limiting beliefs around money, start with small changes to build up to a big difference A good financial planner can use coaching to help clients understand and enjoy the process of improving your relationship with money. Leon Taylor is a former British diver and won a silver medal at the Athens Olympics. He has been a mentor for many athletes and now speaks about mental wellness along with commentating on the diving for the BBC. <a href="https://www.amazon.co.uk/MENTOR-Most-Important-Never-Trained/dp/1907261044/ref=sr_1_1?crid=1ZDY55SFJPJ8L&amp;keywords=Leon+Taylor%2C+mentor&amp;qid=1688046662&amp;s=books&amp;sprefix=leon+taylor+mentor%2Cstripbooks%2C70&amp;sr=1-1" rel="noreferrer noopener nofollow" target="_blank">Click here for more information on Leon’s book Mentor</a>

Episode 99 – Beyond the Finish Line with Leon Taylor

Hal Hershfield

Episode 98 – Your Future Self with Hal Hershfield Another brilliant special guest interview – this time the guys chat with UCLA Professor, Hal Hershfield. Join them as they delve into exploring practical strategies to help connect with your future self and help drive better financial decisions. Don’t miss this insightful conversation with Hal Hershfield along with a very fashionable #tightasstommo money saving tip! Welcomes &amp; Introductions 100th episode is coming up in July! Want to work with Producer Tommo and a like minded team? Come and have a chat with Ovation Link to pre-order Chris Budd’s new book – The Four Cornerstones of Financial Wellbeing What’s on todays podcast? Chat with Hal Hershfield around the connection to our future self’s and the effect on our current financial decisions No Shizzle Sherlock Silly get rich quick tip –  Go to bed early and wake up early, the early hours are good Jeff Bazos  Tight Ass Tommo Come and find out more about the Financial Wellbeing Certificate at The Institute for Financial Wellbeing Go to the back of the wardrobe and dig out those old clothes, wear them again and say you are into vintage clothing! –  David Owen, Open Work Partnership  Tesco clubcard reductions and vouchers add up – consider being a little more selective in supermarket choices  Tip of the Week – Recycled tip for recycled cups at sporting event from episode 31. Always return your refundable cup, along with any others you can find along the way!  Interview with Hal Hershfield connecting with our future selveswhat got Hal into the area of future self?how this led to writing his bookthe impact on decisions after a terminal diagnosisthe focus on spending time on what mattersusefulness in explore / exploit relationships Future self why do we find it so difficult to connect to our future self?saving for the future is a new concept, can’t we just adapt?we are impulse driventhe neuroscience behind thinking about our future selfwe are generally kind to each otherthe bigger the time gap, the harder it is to picture the futurelong-term thinking is harder during uncertainty around the future What can we do about this? implement techniques to bring our future selves emotionally closeracknowledge the difficulties in trade offs between present and futurestay on the path, commit Conclusions From the Guys connect with your future self and be a friend to help drive better decisionscommitment devices to automate doing the right thing &amp; create good habits Hal Hershfield is a Professor of Marketing, Behavioural Decision Making, and Psychology at UCLA’s Anderson School of Management. His research, which sits at the intersection of psychology and economics, examines the ways we can improve our long-term decisions.  Follow Hal on Twitter @HalHershfieldFollow Hal on LinkedInpurchase a copy of his book – Your Future Self: How to Make Tomorrow Better Today

Episode 98 – Your Future Self with Hal Hershfield Another brilliant special guest interview – this time the guys chat with UCLA Professor, Hal Hershfield. Join them as they delve into exploring practical strategies to help connect with your future self and help drive better financial decisions. Don’t miss this insightful conversation with Hal Hershfield along with a very fashionable #tightasstommo money saving tip! <h4>Welcomes &amp; Introductions</h4> 100th episode is coming up in July! Want to work with Producer Tommo and a like minded team? <a href="//ovationfinance.co.uk/contact/" rel="noreferrer noopener nofollow" target="_blank">Come and have a chat with Ovation</a> Link to pre-order Chris Budd’s new book –<a href="//www.amazon.co.uk/Four-Cornerstones-Financial-Wellbeing/dp/191168776X/ref=sr_1_1?crid=36C6I50E5RHPF&amp;keywords=chris+budd&amp;qid=1685110844&amp;sprefix=%2Caps%2C165&amp;sr=8-1" rel="noreferrer noopener nofollow" target="_blank"> The Four Cornerstones of Financial Wellbeing</a> <h4>What’s on todays podcast?</h4> Chat with Hal Hershfield around the connection to our future self’s and the effect on our current financial decisions <h4>No Shizzle Sherlock</h4> Silly get rich quick tip – <blockquote>Go to bed early and wake up early, the early hours are good Jeff Bazos </blockquote> <h4>Tight Ass Tommo</h4> Come and find out more about the <a href="//instituteforfinancialwellbeing.com/learning-development/" rel="noreferrer noopener nofollow" target="_blank">Financial Wellbeing Certificate at The Institute for Financial Wellbeing</a> Go to the back of the wardrobe and dig out those old clothes, wear them again and say you are into vintage clothing! – David Owen, Open Work Partnership Tesco clubcard reductions and vouchers add up – consider being a little more selective in supermarket choices Tip of the Week – Recycled tip for recycled cups at sporting event from <a href="//www.financialwell-being.co.uk/2018/01/25/episode-31-dealing-with-financial-shocks/" rel="noreferrer noopener nofollow" target="_blank">episode 31</a>. Always return your refundable cup, along with any others you can find along the way! <h4>Interview with Hal Hershfield</h4> <ul><li>connecting with our future selves</li><li>what got Hal into the area of future self?</li><li>how this led to writing his book</li><li>the impact on decisions after a terminal diagnosis</li><li>the focus on spending time on what matters</li><li>usefulness in explore / exploit relationships</li></ul> Future self <ul><li>why do we find it so difficult to connect to our future self?</li><li>saving for the future is a new concept, can’t we just adapt?</li><li>we are impulse driven</li><li>the neuroscience behind thinking about our future self</li><li>we are generally kind to each other</li><li>the bigger the time gap, the harder it is to picture the future</li><li>long-term thinking is harder during uncertainty around the future</li></ul> What can we do about this? <ol><li>implement techniques to bring our future selves emotionally closer</li><li>acknowledge the difficulties in trade offs between present and future</li><li>stay on the path, commit</li></ol> Conclusions From the Guys <ul><li>connect with your future self and be a friend to help drive better decisions</li><li>commitment devices to automate doing the right thing &amp; create good habits</li></ul> Hal Hershfield is a Professor of Marketing, Behavioural Decision Making, and Psychology at UCLA’s Anderson School of Management. His research, which sits at the intersection of psychology and economics, examines the ways we can improve our long-term decisions. <ul><li>Follow Hal on Twitter <a href="//twitter.com/RevRichardColes" rel="noreferrer noopener nofollow" target="_blank">@HalHershfield</a></li><li>Follow Hal on <a href="//www.linkedin.com/in/hal-hershfield-a2b91510/" rel="noreferrer noopener nofollow" target="_blank">LinkedIn</a></li><li><a href="//www.amazon.co.uk/Money-Box-toolkit-balancing-financial/dp/1785947079" rel="noreferrer noopener nofollow" target="_blank">purchase a copy of his book – Your Future Self: How to Make Tomorrow Better Today</a></li></ul>

Episode 98 – Your Future Self with Hal Hershfield

Another brilliant episode with an interactive twist. The guys will be exploring 4 steps to consider when creating a financial wellbeing plan with some tasks and challenges you can use to see how your finances can work for your happiness. Will No Shizzle Sherlock uncover an obvious yet overlooked financial truth? Will Producer Tommo bring a slightly unsuitable tip in #tightasstommo? Grab a pen and paper and join in on the fun! Welcomes &amp; Introductions No Shizzle Sherlock I don’t look to jump over seven foot bars. I look around for one foot bars I can step across’Warren Buffet Link to episode 85 – The Good Ancestor with Stephanie Brobbey #tightasstommo Taking time to think about what you are doingBack to form and in no way endorsed – a money saving tip for free wifi! Today’s Topic Creating a financial wellbeing plan alongside your financial plan. Interactive Exercises: Where are we headed? An exercise to help define what success looks like for us. Consider: a person you know well and admirea person you don’t know well but admiresomeone famous you admiredefine what you admire about these peoplewhittle list down to 5 attributes you admire 2. Reflecting on financial relationship does your spending help  you live a life which focusses on the attributes listed above? 3. Be specific about the future Do the values identified point to anything specific in your future?Finding the right balance between what we spend today and what we save to bring that desired future to fruition 4. Permissions For a period of time, be conscious about attitudes towards moneyTake the time to review those thoughts, anything preventing that desired future? Conclusions from the guys Chris Budd’s new book – The Four Cornerstones of Financial Wellbeing  is available for pre-order now

Another brilliant episode with an interactive twist. The guys will be exploring 4 steps to consider when creating a financial wellbeing plan with some tasks and challenges you can use to see how your finances can work for your happiness. Will No Shizzle Sherlock uncover an obvious yet overlooked financial truth? Will Producer Tommo bring a slightly unsuitable tip in #tightasstommo? Grab a pen and paper and join in on the fun! <h3>Welcomes &amp; Introductions</h3> <h3>No Shizzle Sherlock</h3> <blockquote>I don’t look to jump over seven foot bars. I look around for one foot bars I can step across’Warren Buffet</blockquote> Link to episode 85 – <a href="//www.financialwell-being.co.uk/2022/06/29/episode-87-the-good-ancestor-with-stephanie-brobbey/" rel="nofollow" target="_blank">The Good Ancestor with Stephanie Brobbey</a> <h3>#tightasstommo</h3> <ul><li>Taking time to think about what you are doing</li><li>Back to form and in no way endorsed – a money saving tip for free wifi!</li></ul> <h3>Today’s Topic</h3> Creating a financial wellbeing plan alongside your financial plan. Interactive Exercises: <ol><li>Where are we headed?</li></ol> An exercise to help define what success looks like for us. Consider: <ul><li>a person you know well and admire</li><li>a person you don’t know well but admire</li><li>someone famous you admire</li><li>define what you admire about these people</li><li>whittle list down to 5 attributes you admire</li></ul> 2. Reflecting on financial relationship <ul><li>does your spending help you live a life which focusses on the attributes listed above?</li></ul> 3. Be specific about the future <ul><li>Do the values identified point to anything specific in your future?</li><li>Finding the right balance between what we spend today and what we save to bring that desired future to fruition</li></ul> 4. Permissions <ul><li>For a period of time, be conscious about attitudes towards money</li><li>Take the time to review those thoughts, anything preventing that desired future?</li></ul> <h3>Conclusions from the guys</h3> Chris Budd’s new book – <a href="//www.amazon.co.uk/Four-Cornerstones-Financial-Wellbeing/dp/191168776X/ref=sr_1_1?keywords=The+Four+Cornerstones+of+Financial+Wellbeing&amp;qid=1682087209&amp;sr=8-1" rel="noreferrer noopener nofollow" target="_blank">The Four Cornerstones of Financial Wellbeing </a> is available for pre-order now

Episode 97 – 4 Steps to Financial Wellbeing

Episode 96 – Interview with Reverend Richard Coles The guys sit down with Reverend Richard Coles, a musician, writer, broadcaster and Anglican priest. Exploring his relationship with money, Richard shares his insights and experiences in a candid and thought-provoking interview. Come and enjoy this excellent episode . . . Welcomes &amp; Introductions The origins of Financial WellbeingCome and talk with the podcast’s sponsor Ovation FinanceChris Budd’s new vinyl business! What’s on todays podcast? The Reverend Richard Coles talks about his own relationship with money, what it was like to come into lots of money when young and what Christianity has to say about our relationship between money and happiness No shizzle Sherlock Don’t look for the needle in the haystack, just buy the haystack.  Jack Bogle of Vanguard  An explanation of index funds from Chartered Financial Planner Tom Morris to back this quote up. #TightAssTommo Pay for gym membership yearly – thank you  Vivian Webster. Pay annually for something you are going to use annuallyTalk to your providers, don’t just accept the auto renewal price – just asking can get you a discountUpgrade your train ticket to first class with seatfrog.com – thank you Rohan Sivajoti Interview with Reverend Richard Coles Relationship with money when young How downscaling at a young age shaped attitude to money It’s better not to feel want Enjoying the finer things in life Money has always been in the pocket to buy stuff with – attitude is now changing due to age, experience and religion Mirror of his fathers experience Unifying principles around money in religions around the world? Money has a limited effectiveness in what is can do for us The nourishment of flying business class and how we need to be careful of this! You never see an unhappy Buddhist monk Tricked in paying into pension Its not the owning of the money, its what you do with it that matters What are the positive lessons we can take from Christianity We don’t own stuff, we are custodians Conclusions from the guys Reverend Richard Coles is a former Church of England parish priest, broadcaster famous for BBC Radio 4’s Saturday Live and a best-selling author. Follow Richard on Twitter @RevRichardColespurchase a copy of his latest book – Murder Before Evensong

Episode 96 – Interview with Reverend Richard Coles The guys sit down with Reverend Richard Coles, a musician, writer, broadcaster and Anglican priest. Exploring his relationship with money, Richard shares his insights and experiences in a candid and thought-provoking interview. Come and enjoy this excellent episode . . . <h4>Welcomes &amp; Introductions</h4> <ul><li>The origins of Financial Wellbeing</li><li>Come and talk with the podcast’s sponsor <a href="//www.ovationfinance.co.uk/" rel="noreferrer noopener nofollow" target="_blank">Ovation Finance</a></li><li>Chris Budd’s new vinyl business!</li></ul> <h4>What’s on todays podcast?</h4> The Reverend Richard Coles talks about his own relationship with money, what it was like to come into lots of money when young and what Christianity has to say about our relationship between money and happiness <h4>No shizzle Sherlock</h4> <blockquote>Don’t look for the needle in the haystack, just buy the haystack. Jack Bogle of Vanguard </blockquote> An explanation of index funds from <a href="//ovationfinance.co.uk/team-members/tom-morris/" rel="noreferrer noopener nofollow" target="_blank">Chartered Financial Planner Tom Morris</a> to back this quote up. <h4>#TightAssTommo</h4> <ul><li>Pay for gym membership yearly – thank you Vivian Webster. Pay annually for something you are going to use annually</li><li>Talk to your providers, don’t just accept the auto renewal price – just asking can get you a discount</li><li>Upgrade your train ticket to first class with <a href="//seatfrog.com/" rel="noreferrer noopener nofollow" target="_blank">seatfrog.com</a> – thank you Rohan Sivajoti</li></ul> <h4>Interview with Reverend Richard Coles</h4> Relationship with money when young How downscaling at a young age shaped attitude to money It’s better not to feel want Enjoying the finer things in life Money has always been in the pocket to buy stuff with – attitude is now changing due to age, experience and religion Mirror of his fathers experience Unifying principles around money in religions around the world? Money has a limited effectiveness in what is can do for us The nourishment of flying business class and how we need to be careful of this! You never see an unhappy Buddhist monk Tricked in paying into pension Its not the owning of the money, its what you do with it that matters What are the positive lessons we can take from Christianity We don’t own stuff, we are custodians <h4>Conclusions from the guys</h4> Reverend Richard Coles is a former Church of England parish priest, broadcaster famous for BBC Radio 4’s Saturday Live and a best-selling author. <ul><li>Follow Richard on Twitter <a href="//twitter.com/RevRichardColes" rel="noreferrer noopener nofollow" target="_blank">@RevRichardColes</a></li><li><a href="//www.amazon.co.uk/Money-Box-toolkit-balancing-financial/dp/1785947079" rel="noreferrer noopener nofollow" target="_blank">purchase a copy of his latest book – Murder Before Evensong</a></li></ul>

Episode 96 – Interview with Reverend Richard Coles

Paul Lewis

Episode 95 -Mastering Your Money with Paul Lewis We talk with special guest, financial journalist and presenter of BBC Radio 4’s Money Box, Paul Lewis. In this episode, we delve into Paul’s new book “Money Box” and he provides some top personal finance tips. So sit back, relax, and enjoy this fascinating conversation with one of the most respected financial experts in the country. Welcomes &amp; Introductions Featuring; garden birds / a shameless plug to Ovation Finance / an update on Chris Budd’s new book What is todays podcast all about? Talking to BBC Money Box presenter Paul Lewis about practical money tips we can all use.  With over 30 years of experience in the industry, Paul has become a leading voice in personal finance, providing valuable insights and advice to millions of people across the UK.  No Shizzle Sherlock The biggest risk of all is not taking oneMelody Hobson Whilst the guys may be sitting on the fence with this No Shizzle Sherlock, you can have a listen to a previous chat about risk with Neil Bage in episode 36 of the podcast #TightAssTommo Party wine boxesHoliday cruisingBuy and sell through Vinted / sell books through Zaffit Interview with Paul Lewis A chat about his new book Money Box, with practical tips you can use What can we do when we are not feeling ‘in control of our daily finances?’ look at your finances, even if  you don’t want to What are the biggest questions around finances right now? cost of living crisisdelays in access to your moneywading through treacle to get issues sorted Connections between money and happiness Does Paul Lewis use a financial planner? what can a financial planner help Paul Lewis with?what makes a good financial planner? What did Paul Lewis learn when writing the book? Dying Tidily Conclusions from the guys Paul Lewis is financial journalist best known for his 30 years presenting BBC Radio 4’s Money Box show. Paul’s new book, Money Box is out now – full of top practical tips to take control of your money for everyone. purchase a copy of the Money Box booklisten to the Money Box radio showfollow Paul on Twitter @Paullewismoney

Episode 95 -Mastering Your Money with Paul Lewis We talk with special guest, financial journalist and presenter of BBC Radio 4’s Money Box, Paul Lewis. In this episode, we delve into Paul’s new book “Money Box” and he provides some top personal finance tips. So sit back, relax, and enjoy this fascinating conversation with one of the most respected financial experts in the country. <h3>Welcomes &amp; Introductions</h3> Featuring; garden birds / a shameless plug to <a href="//ovationfinance.co.uk/" rel="nofollow" target="_blank">Ovation Finance</a> / an update on Chris Budd’s new book <h3>What is todays podcast all about?</h3> Talking to BBC Money Box presenter Paul Lewis about practical money tips we can all use. With over 30 years of experience in the industry, Paul has become a leading voice in personal finance, providing valuable insights and advice to millions of people across the UK. <h3>No Shizzle Sherlock</h3> <blockquote>The biggest risk of all is not taking oneMelody Hobson</blockquote> Whilst the guys may be sitting on the fence with this No Shizzle Sherlock, you can have a listen to a previous chat about risk with <a href="//www.financialwell-being.co.uk/2018/05/12/episode-36-understanding-our-attitude-to-risk-with-neil-bage/" rel="nofollow" target="_blank">Neil Bage in episode 36 of the podcast</a> <h3>#TightAssTommo</h3> <ul><li>Party wine boxes</li><li>Holiday cruising</li><li>Buy and sell through <a href="//www.vinted.co.uk/" rel="noreferrer noopener nofollow" target="_blank">Vinted</a> / sell books through <a href="//www.ziffit.com/en-gb/" rel="noreferrer noopener nofollow" target="_blank">Zaffit</a></li></ul> <h3>Interview with Paul Lewis</h3> A chat about his new book Money Box, with practical tips you can use What can we do when we are not feeling ‘in control of our daily finances?’ <ul><li>look at your finances, even if you don’t want to</li></ul> What are the biggest questions around finances right now? <ul><li>cost of living crisis</li><li>delays in access to your money</li><li>wading through treacle to get issues sorted</li></ul> Connections between money and happiness Does Paul Lewis use a financial planner? <ul><li>what can a financial planner help Paul Lewis with?</li><li>what makes a good financial planner?</li></ul> What did Paul Lewis learn when writing the book? Dying Tidily <h3>Conclusions from the guys</h3> Paul Lewis is financial journalist best known for his 30 years presenting BBC Radio 4’s Money Box show. Paul’s new book, Money Box is out now – full of top practical tips to take control of your money for everyone. <ul><li><a href="//www.amazon.co.uk/Money-Box-toolkit-balancing-financial/dp/1785947079" rel="noreferrer noopener nofollow" target="_blank">purchase a copy of the Money Box book</a></li><li><a href="//www.bbc.co.uk/programmes/articles/2VnDtq0FPht6KYd6nVb3CrB/money-box-presenters" rel="noreferrer noopener nofollow" target="_blank">listen to the Money Box radio show</a></li><li><a href="//twitter.com/paullewismoney" rel="noreferrer noopener nofollow" target="_blank">follow Paul on Twitter @Paullewismoney</a></li></ul>

Episode 95 – Mastering Your Money with Paul Lewis

Episode 94 – Why Wealth is Bad for your Health Can wealth actually have a detrimental effect on our health? The guys explore what makes money so unhealthy, along with sharing some ideas to help create a better relationship with our finances. In addition to the No Shizzle Sherlock and #tightasstommo tips, we also have a little birthday flashback for Producer Tommo! Welcomes &amp; Introductions Washing fox poop off Luna the westieNew year fitness challengeBirthday flashbacksUpdate on Chris’ latest book No Shizzle Sherlock “The only thing we know for certain about our plan for the future, is that it is going to be wrong”  Carl Richards  Link to episode 15 – Redefining Goals with Carl RichardsLink to episode 19 – Financial Entertainment with Carl Richards TightAssTommo A tribute to Paul Etheridge, from Clive Waller – “agree to give a talk on an unfamiliar subject six months ahead and you will become an expert when you come to do the talk!” Paying annually or monthly for items such as insurance? Try and pay the annual lump sum as it will be cheaper than paying monthly over the 12 month period. Today’s Topic – Stress is bad for our health: money is stressful. Ergo, money is bad for our health Why is stress bad for our health? Integrative medicineThe parallel between western medicine and most financial advisersLink to watch the Killer T Cell video Why is money so stressful?  The question ‘how much is enough’ How cash flow planning helps Comparison theory The history of personal finance Our brains inability to picture our future selves What can we do about money being bad for our health? Take the time to think about your relationship to moneyGet the help of a financial planner, one who at the very least does cashflow forecastingPlug alert – have they undertaken the Financial Wellbeing Certificate from the Institute of Financial Wellbeing Conclusions from the guys Getting a better relationship with money therefore, should involve talking to an expert: understanding what makes you happy; if you have behaviours working against you; any self-limiting beliefs to create a financial plan to make you happier not just wealthier. If you would like to purchase a copy of The Financial Wellbeing Book please click on this link to visit Penny Brohn UK shop If you would like to get in touch with Ovation, click here to visit the website email enquiries@ovationfinance.co.uk or call on 0117 942 4333 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

Episode 94 – Why Wealth is Bad for your Health Can wealth actually have a detrimental effect on our health? The guys explore what makes money so unhealthy, along with sharing some ideas to help create a better relationship with our finances. In addition to the No Shizzle Sherlock and #tightasstommo tips, we also have a little birthday flashback for Producer Tommo! <h4>Welcomes &amp; Introductions</h4> <ul><li>Washing fox poop off Luna the westie</li><li>New year fitness challenge</li><li>Birthday flashbacks</li><li>Update on Chris’ latest book</li></ul> <h4>No Shizzle Sherlock</h4> <blockquote>“The only thing we know for certain about our plan for the future, is that it is going to be wrong” Carl Richards </blockquote> <a href="//www.financialwell-being.co.uk/2017/03/09/episode-15-redefining-goals-with-carl-richards/" rel="nofollow" target="_blank">Link to episode 15 – Redefining Goals with Carl Richards </a><a href="//www.financialwell-being.co.uk/2017/06/06/episode-19-financial-entertainment-with-carl-richards/" rel="nofollow" target="_blank">Link to episode 19 – Financial Entertainment with Carl Richards</a> <h4>TightAssTommo</h4> A tribute to Paul Etheridge, from Clive Waller – “agree to give a talk on an unfamiliar subject six months ahead and you will become an expert when you come to do the talk!” Paying annually or monthly for items such as insurance? Try and pay the annual lump sum as it will be cheaper than paying monthly over the 12 month period. <h4>Today’s Topic – Stress is bad for our health: money is stressful. Ergo, money is bad for our health</h4> Why is stress bad for our health? <ul><li>Integrative medicine</li><li>The parallel between western medicine and most financial advisers</li><li><a href="//www.youtube.com/watch?v=jgJKaP0Sj5U" rel="noreferrer noopener nofollow" target="_blank">Link to watch the Killer T Cell video</a></li></ul> Why is money so stressful? <ul><li> The question ‘how much is enough’</li><li> How cash flow planning helps</li><li> Comparison theory</li><li> The history of personal finance</li><li> Our brains inability to picture our future selves</li></ul> What can we do about money being bad for our health? <ul><li>Take the time to think about your relationship to money</li><li>Get the help of a financial planner, one who at the very least does cashflow forecasting</li><li>Plug alert – have they undertaken <a href="//instituteforfinancialwellbeing.com/learning-development/" rel="noreferrer noopener nofollow" target="_blank">the Financial Wellbeing Certificate from the Institute of Financial Wellbeing</a></li></ul> <h4>Conclusions from the guys</h4> Getting a better relationship with money therefore, should involve talking to an expert: understanding what makes you happy; if you have behaviours working against you; any self-limiting beliefs to create a financial plan to make you happier not just wealthier. If you would like to purchase a copy of The Financial Wellbeing Book please <a href="//shop.pennybrohn.org.uk/collections/books-1/products/the-financial-wellbeing-book" rel="noreferrer noopener nofollow" target="_blank">click on this link to visit Penny Brohn UK shop</a> If you would like to get in touch with Ovation, <a href="//www.ovationfinance.co.uk/" rel="nofollow" target="_blank">click here to visit the website</a> email enquiries@ovationfinance.co.uk or call on 0117 942 4333 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<a href="http://-being.co.uk" rel="nofollow" target="_blank">-being.co.uk</a>

Episode 94 – Why Wealth is Bad for your Health

Episode 93 – Permission with Joy Lere Welcomes &amp; Introductions Featuring: Ovation Finance – click here if you would like to talk to Ovation Finance about your financial planAnother golf recap The IFW – click here for more information about the Institute for Financial WellbeingFWB books – click here to purchase your copy of The Financial Wellbeing Book and support the charity Penny Brohn What is todays podcast all about? The guys have a chat with clinical psychologist Joy Lere, about the the role of permission when it comes to our happiness No Shizzle Sherlock Time is your friend, impulse is your enemy Jack Bogle  #TightAssTommo Don’t purchase without a price tag – but you will end up with a comfy tush! Tip of the week – navy wash, wash your clothes whilst you have a shower/bath Interview with Joy Lere Introduction, who is Joy and what does she do in her role as clinical psychologist? Talking about money is still a taboo Shaping Wealth – Providing training for financial advisers to leverage behavioural finance Elaborating on Money is psychology The knowing/doing gap – people run financials with more than just the numbers What does adaptive mean when it comes to finances? What it means for different people in different situations What life are you giving permission to yourself to have?  How much time do you spend looking to others to give you permission Not being aware you need permission Mute the outside world and consider what we want, what do I really believe I deserve Self-sabotage Be aware that everyone else lives a story we know nothing about What can someone do to create better financial decisions around permission How do I know what I deserve? Let struggle and pain live alongside joy. Conclusions from the guys Dr. Joy Lere is a licensed clinical psychologist and co-founder of Shaping Wealth. She has held research and clinical positions at Penn Medicine Princeton Health, Children’s National Medical Center, and the Department of Defense and has served as an Assistant Clinical Professor in Clinical Psychology at George Washington University. She earned her Psy.D. at George Washington University. Links: Substack:https://joylere.substack.com/ Twitter:@joylerepsyd LinkedIn: Joy Lere, Psy.D. – https://www.linkedin.com/in/joy-lere-psy-d/ ShapingWealth: www.shapingwealth.com Website:www.joylere.com

Episode 93 – Permission with Joy Lere Welcomes &amp; Introductions Featuring: <ul><li>Ovation Finance – <a href="http://www.ovationfinance.co.uk/" rel="nofollow" target="_blank">click here if you would like to talk to Ovation Finance about your financial plan</a></li><li>Another golf recap </li><li>The IFW – <a href="https://instituteforfinancialwellbeing.com/" rel="nofollow" target="_blank">click here for more information about the Institute for Financial Wellbeing</a></li><li>FWB books – <a href="https://shop.pennybrohn.org.uk/collections/self-help/products/the-financial-wellbeing-book" rel="nofollow" target="_blank">click here to purchase your copy of The Financial Wellbeing Book and support the charity Penny Brohn</a></li></ul> What is todays podcast all about? The guys have a chat with clinical psychologist Joy Lere, about the the role of permission when it comes to our happiness No Shizzle Sherlock <blockquote>Time is your friend, impulse is your enemy Jack Bogle </blockquote> #TightAssTommo Don’t purchase without a price tag – but you will end up with a comfy tush! Tip of the week – navy wash, wash your clothes whilst you have a shower/bath Interview with Joy Lere Introduction, who is Joy and what does she do in her role as clinical psychologist? Talking about money is still a taboo <a href="https://www.shapingwealth.com/" rel="noreferrer noopener nofollow" target="_blank">Shaping Wealth</a> – Providing training for financial advisers to leverage behavioural finance Elaborating on Money is psychology The knowing/doing gap – people run financials with more than just the numbers What does adaptive mean when it comes to finances? What it means for different people in different situations What life are you giving permission to yourself to have? How much time do you spend looking to others to give you permission Not being aware you need permission Mute the outside world and consider what we want, what do I really believe I deserve Self-sabotage Be aware that everyone else lives a story we know nothing about What can someone do to create better financial decisions around permission How do I know what I deserve? Let struggle and pain live alongside joy. Conclusions from the guys Dr. Joy Lere is a licensed clinical psychologist and co-founder of Shaping Wealth. She has held research and clinical positions at Penn Medicine Princeton Health, Children’s National Medical Center, and the Department of Defense and has served as an Assistant Clinical Professor in Clinical Psychology at George Washington University. She earned her Psy.D. at George Washington University. Links: Substack: <a href="https://joylere.substack.com/" rel="noreferrer noopener nofollow" target="_blank">https://joylere.substack.com/</a> Twitter: @joylerepsyd Linked In: Joy Lere, Psy.D. – <a href="https://www.linkedin.com/in/joy-lere-psy-d/" rel="nofollow" target="_blank">https://www.linkedin.com/in/joy-lere-psy-d/</a> Shaping Wealth: <a href="http://www.shapingwealth.com" rel="noreferrer noopener nofollow" target="_blank">www.shapingwealth.com</a> Website: <a href="http://www.joylere.com" rel="noreferrer noopener nofollow" target="_blank">www.joylere.com</a>

Episode 93 – Permission with Joy Lere

Episode 92 – Five Tips To Help With Framing Bias The guys are here to explore the concept of Framing Bias. Sharing tips around awareness so we won’t be led, but use Framing Bias to drive actions that lead to wiser decisions for our financial wellbeing. Come and have a listen, with the usual No Shizzle Sherlock and some scraping of the barrel #TightAssTommo tips . . . . Welcomes &amp; Introductions Featuring podcast listeners at the PFS conference this month, the next financial wellbeing book and a £10 trip to Paris? If you have a better book title, do let us know on Twitter @FinWellbeing No Shizzle Sherlock Nobody went broke taking a profitBernard Baruch An obvious No Shizzle, but not always easily done. #TightAssTommo Listen as the guys really scrape the bottom of the barrel with army uniforms and robo vacuum cleaners! A top tip from Christiaan Coolen at Ovation Finance for your next holiday – Find a trusted house sitter Todays Topic – Framing, the bias around how information is presented Information can be presented in different ways to get different awards Managing expectations Producer Tommo’s Wellbeing Champion of the Year Award, helps in getting clients prepared to talk about their finances – the expectations around the conversations you will be having with clients. Framing influences decisions in ways we don’t always intend We frame our future around what we can currently afford.  We should start conversations about the future on wellbeing, not money Money is the engine of wellbeing Top 5 Tips around Framing Bias – Base buying decisions on need, rather that on weather you are getting a bargainKeep eye on data being given for past investment fund performanceConsider if the advice around a product being given is positively framed? Clean questioning – asking a question which is not leading, nor does it have your valuesRe-frame in a positive way If you cringe at what you did – you are moving forward Link to episode 67 – Exploring Paths to Happiness with Dr Elia Gourgouris Retirement Framing Conclusions from the guys If you would like to purchase a copy of The Financial Wellbeing Book please click on this link to visit Penny Brohn UK shop If you would like to get in touch with Ovation, click here to visit the website email enquiries@ovationfinance.co.uk or call on 0117 942 4333 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

Episode 92 – Five Tips To Help With Framing Bias The guys are here to explore the concept of Framing Bias. Sharing tips around awareness so we won’t be led, but use Framing Bias to drive actions that lead to wiser decisions for our financial wellbeing. Come and have a listen, with the usual No Shizzle Sherlock and some scraping of the barrel #TightAssTommo tips . . . . <h3>Welcomes &amp; Introductions</h3> Featuring podcast listeners at the PFS conference this month, the next financial wellbeing book and a £10 trip to Paris? If you have a better book title, do let us know on Twitter @FinWellbeing <h3>No Shizzle Sherlock</h3> <blockquote>Nobody went broke taking a profitBernard Baruch</blockquote> An obvious No Shizzle, but not always easily done. <h3>#TightAssTommo</h3> Listen as the guys really scrape the bottom of the barrel with army uniforms and robo vacuum cleaners! A top tip from Christiaan Coolen at Ovation Finance for your next holiday – <a href="//housesitter.com/" rel="noreferrer noopener nofollow" target="_blank">Find a trusted house sitter</a> <h3>Todays Topic – Framing, the bias around how information is presented</h3> Information can be presented in different ways to get different awards Managing expectations Producer Tommo’s Wellbeing Champion of the Year Award, helps in getting clients prepared to talk about their finances – the expectations around the conversations you will be having with clients. Framing influences decisions in ways we don’t always intend We frame our future around what we can currently afford. We should start conversations about the future on wellbeing, not money Money is the engine of wellbeing Top 5 Tips around Framing Bias – <ul><li>Base buying decisions on need, rather that on weather you are getting a bargain</li><li>Keep eye on data being given for past investment fund performance</li><li>Consider if the advice around a product being given is positively framed?</li><li> Clean questioning – asking a question which is not leading, nor does it have your values</li><li>Re-frame in a positive way</li></ul> If you cringe at what you did – you are moving forward <a href="//www.financialwell-being.co.uk/2020/10/29/episode-76-exploring-paths-to-happiness-with-dr-elia-gourgouris/" rel="nofollow" target="_blank">Link to episode 67 – Exploring Paths to Happiness with Dr Elia Gourgouris</a> Retirement Framing <h3>Conclusions from the guys</h3> If you would like to purchase a copy of The Financial Wellbeing Book please <a href="//shop.pennybrohn.org.uk/collections/books-1/products/the-financial-wellbeing-book" rel="noreferrer noopener nofollow" target="_blank">click on this link to visit Penny Brohn UK shop</a> If you would like to get in touch with Ovation, <a href="//www.ovationfinance.co.uk/" rel="nofollow" target="_blank">click here to visit the website</a> email enquiries@ovationfinance.co.uk or call on 0117 942 4333 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<a href="http://-being.co.uk" rel="nofollow" target="_blank">-being.co.uk</a>

Episode 92 – Five Tips To Help With Framing Bias

Clémence Chatelin

Join the guys as they have a ‘live’ chat around ESG and investments. ESG is a  nuanced topic – so we have the award winning expert Clémence Chatelin to help make sense of it all. Now, break out your crystal balls for No Shizzle Sherlock and enjoy a cheeky #tightasstommo money saving tip in the latest episode . . .  Welcomes &amp; Introductions Featuring live TV, a Wellbeing Champion of the Year and a deer!Big congratulations to Tom Morris. A well deserved win for his work as director at the Institute for Financial Wellbeing, as presenter on The Financial Wellbeing Podcast and beyond.What is todays podcast all about? The guys unpack what ESG means and how it can be put into practice The No Shizzle Sherlock Test Buy low, sell high, repeatAnon Sounds easy right? The guys explain why most people are super unsuccessful #tightasstommo Batch cooking, no dog food waste and a brilliant tip from Colin Lowe using test cars to save money on chores Interview with Clémence Chatelin  Introduction, how  Clémence took her passion for financial planning and now brings sustainability into the investment process What does ESG stand for? A closer look at each area, ethical, sustainable and governance ESG is a tool to help look at funds, but can be used differently by different people What does as asset manager do? Ethical aspect – avoiding the worst with negativity screeningassessing well managed sustainability Looking for a positive impact in the world, but companies are run by humans and humans are flawed. Invest to help direct a company look for opportunities to improve where possible Anecdotal evidence of companies engaging with investors, but the news is not well publicised. Buying into a sustainable fund is less about investments, but more about the stewardship and impact What is stewardship? CCLA, small stakeholder group with a BIG voice, a definitive group with set values Why doesn’t everyone go for sustainable investing? Shareholder voting – be savvy on the wording and avoid the greenwashing Conclusions It is less about what is in your portfolio and more about what the asset manager lobbies – need to work towards real world changes If you would like to explore what Clémence Chatelin is doing at CCLA, click here to head over to the website. 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

Join the guys as they have a ‘live’ chat around ESG and investments. ESG is a nuanced topic – so we have the award winning expert Clémence Chatelin to help make sense of it all. Now, break out your crystal balls for No Shizzle Sherlock and enjoy a cheeky #tightasstommo money saving tip in the latest episode . . . Welcomes &amp; Introductions Featuring live TV, a Wellbeing Champion of the Year and a deer!Big congratulations to Tom Morris. A well deserved win for his work as director at the Institute for Financial Wellbeing, as presenter on The Financial Wellbeing Podcast and beyond. What is todays podcast all about? The guys unpack what ESG means and how it can be put into practice The No Shizzle Sherlock Test <blockquote>Buy low, sell high, repeatAnon</blockquote> Sounds easy right? The guys explain why most people are super unsuccessful #tightasstommo Batch cooking, no dog food waste and a brilliant tip from Colin Lowe using test cars to save money on chores Interview with Clémence Chatelin Introduction, how Clémence took her passion for financial planning and now brings sustainability into the investment process What does ESG stand for? A closer look at each area, ethical, sustainable and governance ESG is a tool to help look at funds, but can be used differently by different people What does as asset manager do? Ethical aspect – <ul><li>avoiding the worst with negativity screening</li><li>assessing well managed sustainability</li></ul> Looking for a positive impact in the world, but companies are run by humans and humans are flawed. Invest to help direct a company look for opportunities to improve where possible Anecdotal evidence of companies engaging with investors, but the news is not well publicised. Buying into a sustainable fund is less about investments, but more about the stewardship and impact What is stewardship? CCLA, small stakeholder group with a BIG voice, a definitive group with set values Why doesn’t everyone go for sustainable investing? Shareholder voting – be savvy on the wording and avoid the greenwashing Conclusions It is less about what is in your portfolio and more about what the asset manager lobbies – need to work towards real world changes If you would like to explore what Clémence Chatelin is doing at CCLA, <a href="//www.ccla.co.uk/" rel="noreferrer noopener nofollow" target="_blank">click here to head over to the website.</a> 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<a href="http://-being.co.uk" rel="nofollow" target="_blank">-being.co.uk</a> If you would like to purchase a copy of The Financial Wellbeing Book please <a href="//shop.pennybrohn.org.uk/collections/books-1" rel="nofollow" target="_blank">click on this link to visit Penny Brohn UK shop</a>

Episode 91 – Exploring ESG with Clémence Chatelin

The Financial Wellbeing Podcast

Episode 47 – Pt1 Foundations for a Happy Retirement In the first of a 3 part retirement series Chris, David and Producer Tommo look at building the foundations for a happy retirement. This involves some practical ideas around how to plan financially for this, but more importantly explores the idea of ‘know thyself’ and how this can help provide a sense of purpose. With a canoe update and a top Tight Ass Tommo tip for foodies, we have an excellent episode for you.   Introductions &amp; welcomes Battery woes and a canoe update! What is this podcast all about?  First in a 3 part series all about retirement. This is a foundation episode that looks at the financial planning process and how to retire successfully.    Ovation Client Questions: Should I take the tax free cash from my pension? Tight Ass Tommo – Pizza delivery hijinx #Tip of the week – www.luxrewards.co.uk a loyalty card for eating out. Do you have any wedding themed Tight Ass Tommo Tips? Let us know through Twitter @Finwellbeing or email – contact@financialwell-being.co.uk and they could feature in special future episode   Retirement pt1 For those approaching the ‘major landmark’ How people use that money in retirement to make themselves happier Know exactly what you want to do in retirement Retirement no longer means what it used to The last thing some people want to do when they stop working, is to stop working! Retirement can be scary, lets call it financial independence The switch from saving to dipping into those savings can be tricky Know thyself,  What makes you happy? What pulls you into retirement?  The importance of purpose and what it is. Episode 12: Philanthropy Move towards retirement by starting what you want to do now Producer Tommo explains the Financial Planning process used at Ovation Finance to work out how much you need in retirement Keep going through the process for continued clarity   What is coming up in the next few episodes . . .   If you would like to purchase a copy of The Financial Wellbeing Book please click on this link to visit Penny Brohn UK shop

Episode 47 – Pt1 Foundations for a Happy Retirement In the first of a 3 part retirement series Chris, David and Producer Tommo look at building the foundations for a happy retirement. This involves some practical ideas around how to plan financially for this, but more importantly explores the idea of ‘know thyself’ and how this can help provide a sense of purpose. With a canoe update and a top Tight Ass Tommo tip for foodies, we have an excellent episode for you. Introductions &amp; welcomes Battery woes and a canoe update! What is this podcast all about? <ul> <li>First in a 3 part series all about retirement. This is a foundation episode that looks at the financial planning process and how to retire successfully.</li> </ul> Ovation Client Questions: Should I take the tax free cash from my pension? Tight Ass Tommo – Pizza delivery hijinx #Tip of the week – <a href="https://www.luxrewards.co.uk/bristol" rel="noopener nofollow" target="_blank">www.luxrewards.co.uk </a>a loyalty card for eating out. Do you have any wedding themed Tight Ass Tommo Tips? Let us know through <a href="https://twitter.com/FinWellbeing?lang=en" rel="noopener nofollow" target="_blank">Twitter @Finwellbeing </a>or email – contact@financialwell<a href="http://-being.co.uk" rel="nofollow" target="_blank">-being.co.uk</a> and they could feature in special future episode Retirement pt1 For those approaching the ‘major landmark’ How people use that money in retirement to make themselves happier Know exactly what you want to do in retirement Retirement no longer means what it used to The last thing some people want to do when they stop working, is to stop working! Retirement can be scary, lets call it financial independence The switch from saving to dipping into those savings can be tricky Know thyself, <ul> <li>What makes you happy?</li> <li>What pulls you into retirement?</li> </ul> The importance of purpose and what it is. <a href="http://www.financialwell-being.co.uk/2017/01/05/episode-12-philanthropy/" rel="nofollow" target="_blank">Episode 12: Philanthropy</a> Move towards retirement by starting what you want to do now Producer Tommo explains the Financial Planning process used at Ovation Finance to work out how much you need in retirement Keep going through the process for continued clarity What is coming up in the next few episodes . . . If you would like to purchase a copy of The Financial Wellbeing Book please click on this link to visit <a href="https://www.shopatpennybrohn.com/products/the-financial-wellbeing-book" rel="noopener nofollow" target="_blank">Penny Brohn UK shop</a>

Episode 47 – Pt1 Foundations for Retirement

Episode 49 – Pt 2 Planning a Happy Retirement The second of our 3 part series looking at retirement. Chris, David and Producer Tommo explore the practical and technical issues for those on the verge of retirement. The guys look at a financial plan to explore the process and look at the principles of happiness for those retiring. Be sure to have a listen and find out how to get tickets for the upcoming Financial Wellbeing Conference 2019 along with some great #tighasstommo money saving tips.   Welcomes and Introductions What is this episode all about –  the second in a three part series on retirement, this episode looks at what we need to do at the point of retirement (click here to listen to Pt1, Foundations for Retirement)  Financial Wellbeing Conference – 19th June 2019  Click here for tickets Click here for more information about Penny Brohn UK  Ovation client questions: There is an awful lot we cannot control, so how do we lessen the impact on our investments? Tight Ass Tommo – Ice-cream, toddlers and shoes  who is Tammy?  Retirement Part Two The decisions people face at the moment they go from earning more money that they need to live on and saving to earning less and drawing on those savings. Planning and technical issues when approaching the day of change. What are the principles of happiness for those retiring?  Know thyself, What is your retirement day going to look like? What is pulling you into retirement with purpose? Don’t compare Number crunching  The guys look at a financial plan to show the process  Link to Check My State Pension Link to Beyond the 4% Rule book  What do pension freedoms mean? When it comes to retirement, seek professional financial advice  Link to Episode 12 – Philanthropy Link to Episode 13 – Philanthropy Behind the Scenes  A plan that takes you through decisions you need to make at retirement mapped against what is most likely to make you happiest in retirement Part 3 of this retirement series will explore at what you need to look at when enjoying retirement Do you have any financial wellbeing questions you would like us to answer?  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

Episode 49 – Pt 2 Planning a Happy Retirement The second of our 3 part series looking at retirement. Chris, David and Producer Tommo explore the practical and technical issues for those on the verge of retirement. The guys look at a financial plan to explore the process and look at the principles of happiness for those retiring. Be sure to have a listen and find out how to get tickets for the upcoming Financial Wellbeing Conference 2019 along with some great #tighasstommo money saving tips. Welcomes and Introductions What is this episode all about – <ul> <li>the second in a three part series on retirement, this episode looks at what we need to do at the point of retirement <a href="http://www.financialwell-being.co.uk/2019/02/21/episode-47-pt1-foundations-for-retirement/" rel="nofollow" target="_blank">(click here to listen to Pt1, Foundations for Retirement)</a></li> </ul> Financial Wellbeing Conference – 19th June 2019 <ul> <li><a href="https://www.eventbrite.com/e/the-financial-wellbeing-conference-tickets-59572162943?aff=ChrisBuddTwitter" rel="noopener nofollow" target="_blank">Click here for tickets</a></li> <li><a href="https://www.pennybrohn.org.uk/" rel="noopener nofollow" target="_blank">Click here for more information about Penny Brohn UK</a></li> </ul> Ovation client questions: There is an awful lot we cannot control, so how do we lessen the impact on our investments? Tight Ass Tommo – Ice-cream, toddlers and shoes <ul> <li><a href="https://www.ovationfinance.co.uk/team-member/tammy-devonald/" rel="nofollow" target="_blank">who is Tammy?</a></li> </ul> Retirement Part Two The decisions people face at the moment they go from earning more money that they need to live on and saving to earning less and drawing on those savings. Planning and technical issues when approaching the day of change. What are the principles of happiness for those retiring? <ul> <li>Know thyself, What is your retirement day going to look like? What is pulling you into retirement with purpose?</li> <li>Don’t compare</li> <li>Number crunching</li> </ul> The guys look at a financial plan to show the process <ul> <li><a href="https://www.gov.uk/check-state-pension" rel="noopener nofollow" target="_blank">Link to Check My State Pension</a></li> <li><a href="https://www.amazon.co.uk/Beyond-4-Rule-retirement-portfolios/dp/1985721643" rel="noopener nofollow" target="_blank">Link to Beyond the 4% Rule book</a></li> </ul> What do pension freedoms mean? <h4>When it comes to retirement, seek professional financial advice</h4> <ul> <li><a href="http://www.financialwell-being.co.uk/2017/01/05/episode-12-philanthropy/" rel="nofollow" target="_blank">Link to Episode 12 – Philanthropy</a></li> <li><a href="http://www.financialwell-being.co.uk/2017/02/03/episode-13-philanthropy-behind-the-scenes/" rel="nofollow" target="_blank">Link to Episode 13 – Philanthropy Behind the Scenes</a></li> </ul> A plan that takes you through decisions you need to make at retirement mapped against what is most likely to make you happiest in retirement Part 3 of this retirement series will explore at what you need to look at when enjoying retirement Do you have any financial wellbeing questions you would like us to answer?  Do you have a #tightasstommo money saving tip you would like to share with our listeners? If so, let us know by going to <a href="https://twitter.com/FinWellbeing?lang=en" rel="noopener noreferrer nofollow" target="_blank">Twitter @Finwellbeing </a>or email – contact@financialwell<a href="http://-being.co.uk" rel="nofollow" target="_blank">-being.co.uk</a> If you would like to purchase a copy of The Financial Wellbeing Book please click on this link to visit <a href="https://www.shopatpennybrohn.com/products/the-financial-wellbeing-book" rel="noopener nofollow" target="_blank">Penny Brohn UK shop</a>

Episode 49 – Pt 2 Planning a Happy Retirement

Tim Kasser

Episode 46 – The Sharing Economy with Professor Tim Kasser Join Chris, David and Producer Tommo for part 2 of our interview with Professor Tim Kasser. This time the focus is on practical ideas for financial wellbeing through consuming less. They also have the added bonus of helping to save the environment! With listeners questions and a serious tip not to be missed in #tightasstommo we have a very interesting episode for you.   Welcomes &amp; Introductions What is this podcast all about? – Part 2 of our interview with Tim Kasser. Practical things for people to do to stop the accumulation of stuff that lowers the value of wellbeing Part 1 – Hyper Capitalism with Professor Tim Kasser Ovation Client Questions : Capital Gains Tax – what it is, when it happens and how to declare it Tight Ass Tommo Not quite so light-hearted this week. The Nottingham Knockers – why you should never buy anything from coldcallers #Tip of the week – Special gift experiences without the pricetag –  www.fivestardays.com Introduction with Tim Kasser Materialism reduces wellbeing – consume less stuff, help the planet and increase wellbeing The interview takes a look at practical ideas to do this Looking at the micro aspects of Tim’s book What does the term Hyper Capitalism mean? Intrinsic and Extrinsic values recap Materialism effecting children’s wellbeing The ‘S’ Score Questioning the system! The laws created for business driving hyper capitalism Quote – under communism man takes advantage of man, and capitalism is exactly the opposite! What can people do differently? Episode 7 – Michelle McGagh’s No-spend Year The Sharing economy and libraries – going beyond books, from tools &amp; toys to more Vested interest among business and government It is not good for the economy to share Conclusions from the guys Capitalism is a bit out of control Episode 11 – Community Wellbeing with George Ferguson We cannot keep purchasing things to be consumed and chuck away the waste   If you would like to purchase a copy of Tim’s book Hyper-Capitalism, click on this link   Do you have any financial wellbeing questions you would like us to answer?  Do you have a #tightasstommo money saving tip you would like to share with our listeners? If so, let us know and they could feature on a future episode. Contact us via 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

<h3>Episode 46 – The Sharing Economy with Professor Tim Kasser</h3> Join Chris, David and Producer Tommo for part 2 of our interview with Professor Tim Kasser. This time the focus is on practical ideas for financial wellbeing through consuming less. They also have the added bonus of helping to save the environment! With listeners questions and a serious tip not to be missed in #tightasstommo we have a very interesting episode for you. Welcomes &amp; Introductions What is this podcast all about? – Part 2 of our interview with Tim Kasser. Practical things for people to do to stop the accumulation of stuff that lowers the value of wellbeing <a href="http://www.financialwell-being.co.uk/2018/10/21/episode-42-hyper-capitalism-with-professor-tim-kasser/" rel="nofollow" target="_blank">Part 1 – Hyper Capitalism with Professor Tim Kasser</a> Ovation Client Questions : Capital Gains Tax – what it is, when it happens and how to declare it Tight Ass Tommo Not quite so light-hearted this week. The Nottingham Knockers – why you should never buy anything from coldcallers #Tip of the week – Special gift experiences without the pricetag –  <a href="https://www.fivestardays.com/" rel="noopener nofollow" target="_blank">www.fivestardays.com</a> Introduction with Tim Kasser Materialism reduces wellbeing – consume less stuff, help the planet and increase wellbeing The interview takes a look at practical ideas to do this Looking at the micro aspects of Tim’s book What does the term Hyper Capitalism mean? Intrinsic and Extrinsic values recap Materialism effecting children’s wellbeing The ‘S’ Score Questioning the system! The laws created for business driving hyper capitalism Quote – under communism man takes advantage of man, and capitalism is exactly the opposite! What can people do differently? <a href="http://www.financialwell-being.co.uk/2016/09/29/episode-7-michelle-mcgaghs-no-spend-year/" rel="nofollow" target="_blank">Episode 7 – Michelle McGagh’s No-spend Year</a> The Sharing economy and libraries – going beyond books, from tools &amp; toys to more Vested interest among business and government It is not good for the economy to share Conclusions from the guys Capitalism is a bit out of control <a href="http://www.financialwell-being.co.uk/2016/12/21/episode-11-community-wellbeing-with-george-ferguson/" rel="nofollow" target="_blank">Episode 11 – Community Wellbeing with George Ferguson</a> We cannot keep purchasing things to be consumed and chuck away the waste If you would like to purchase a copy of Tim’s book<a href="https://www.amazon.co.uk/Hyper-Capitalism-modern-economy-values-change/dp/1911617486/ref=sr_1_1?ie=UTF8&amp;qid=1547563368&amp;sr=8-1&amp;keywords=hyper+capitalism" rel="noopener nofollow" target="_blank"> Hyper-Capitalism, click on this link</a> Do you have any financial wellbeing questions you would like us to answer?  Do you have a #tightasstommo money saving tip you would like to share with our listeners? If so, let us know and they could feature on a future episode. Contact us via <a href="https://twitter.com/FinWellbeing?lang=en" rel="noopener nofollow" target="_blank">Twitter @Finwellbeing </a>or email – contact@financialwell<a href="http://-being.co.uk" rel="nofollow" target="_blank">-being.co.uk</a> If you would like to purchase a copy of The Financial Wellbeing Book please click on this link to visit <a href="https://www.shopatpennybrohn.com/products/the-financial-wellbeing-book" rel="noopener nofollow" target="_blank">Penny Brohn UK shop</a>

Episode 46 – The Sharing Economy with Professor Tim Kasser

Warren Shute

In this episode we have a special guest interview with Warren Shute. Chris talks to Warren about his new book The Money Plan, a brilliant resource for those who want to take control of their finances. Chris, David and Producer Tommo take a look at listeners questions and some radical #tightasstommo tips in an episode filled with actions you can take to achieve financial freedom.   Welcomes &amp; Introductions  The Eternal Business Programme Finwellbeing on Twitter    What is this podcast all about? We have an interview with Warren Shute, the Financial Wellbeing Podcasts often talk about thoughtful nature and how we can change our approach to make ourselves happier, in this episode Warren gives us some good solid practical tips from his new book The Money Plan.   Listeners Questions Is it possible to open a cash ISA and a Stocks &amp; Shares ISA in the same tax year? Bonus question – what are the advantages of an ISA?   Tight Ass Tommo – grannies, TV licences and radical opinions! Thanks to @DellaHudsonFCA #Tip of the Week – selling on Facebook   Interview with Warren Shute – Warren is a Financial Planner with Pedigree. After 23 years experience and setting up his own independent firm he now wants to give back with this new book –The Money Plan Financial Planning can be intimidating, Warren wants to give back to those who do not get advise for whatever reason We save not for growth, but for security The House of Wealth What is financial freedom? The Subject of ‘goals’ and how they work for Warren, and why Chris does not like them! How does the 90 day check-in work? People don’t want to think about money, Warren is showing a proven method that works if you want to take control Mortgage Tips Retirement approaches quickly! Automate as much as possible, finance and money is no the most exciting topic Has an American father created a different attitude towards money for Warren? Approaches to money around the world  Episode 29 we talked to Hafdis Huld from Iceland  Not creating money for moneys sake, but creating options for later in life Warren shares stories of financial planning creating happiness and wellbeing As we approach retirement, we become more vulnerable, and certainty becomes more valuable   Conclusions from the guys If you would like to purchase a copy of Warren’s book The Money Plan, click on this link   Do you have any financial wellbeing questions you would like us to answer?  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   Book Giveaway T&amp;Cs Win 1 of 5 FREE copies of “The Money Plan” from @warrenshute To enter, follow and give us a RT on Twitter!  5 Retweets will be picked at random to win a copy of “The Money Plan” by Warren Shute Winners will be asked to supply a postal address, details will only used to post prize Competition closes midnight 30/04/2019

In this episode we have a special guest interview with Warren Shute. Chris talks to Warren about his new book The Money Plan, a brilliant resource for those who want to take control of their finances. Chris, David and Producer Tommo take a look at listeners questions and some radical #tightasstommo tips in an episode filled with actions you can take to achieve financial freedom. Welcomes &amp; Introductions <ul> <li><a href="https://theeternalbusiness.com/how-we-help/programme/" rel="nofollow" target="_blank">The Eternal Business Programme</a></li> <li><a href="https://twitter.com/FinWellbeing?lang=en" rel="nofollow" target="_blank">Finwellbeing on Twitter</a></li> </ul> What is this podcast all about? We have an interview with Warren Shute, the Financial Wellbeing Podcasts often talk about thoughtful nature and how we can change our approach to make ourselves happier, in this episode Warren gives us some good solid practical tips from his new book The Money Plan. Listeners Questions Is it possible to open a cash ISA and a Stocks &amp; Shares ISA in the same tax year? Bonus question – what are the advantages of an ISA? Tight Ass Tommo – grannies, TV licences and radical opinions! Thanks to <a href="https://twitter.com/DellaHudsonFCA?lang=en" rel="nofollow" target="_blank">@DellaHudsonFCA</a> #Tip of the Week – selling on Facebook <h6>Interview with Warren Shute –</h6> Warren is a Financial Planner with Pedigree. After 23 years experience and setting up his own independent firm he now wants to give back with this new book –<a href="https://www.amazon.co.uk/Money-Plan-Warren-Shute/dp/1781332851" rel="nofollow" target="_blank">The Money Plan</a> Financial Planning can be intimidating, Warren wants to give back to those who do not get advise for whatever reason We save not for growth, but for security The House of Wealth What is financial freedom? The Subject of ‘goals’ and how they work for Warren, and why Chris does not like them! How does the 90 day check-in work? People don’t want to think about money, Warren is showing a proven method that works if you want to take control Mortgage Tips Retirement approaches quickly! Automate as much as possible, finance and money is no the most exciting topic Has an American father created a different attitude towards money for Warren? Approaches to money around the world <ul> <li><a href="https://www.ovationfinance.co.uk/financial-wellbeing/episode-29-a-christmas-cracker-of-a-podcast-with-hafdis-huld/" rel="nofollow" target="_blank">Episode 29 we talked to Hafdis Huld from Iceland</a></li> </ul> Not creating money for moneys sake, but creating options for later in life Warren shares stories of financial planning creating happiness and wellbeing As we approach retirement, we become more vulnerable, and certainty becomes more valuable <h6>Conclusions from the guys</h6> If you would like to purchase a copy of Warren’s book <a href="https://www.amazon.co.uk/Money-Plan-Warren-Shute/dp/1781332851" rel="nofollow" target="_blank">The Money Plan</a><a href="https://www.amazon.co.uk/Money-Plan-Warren-Shute/dp/1781332851" rel="nofollow" target="_blank">, click on this link</a> Do you have any financial wellbeing questions you would like us to answer?  Do you have a #tightasstommo money saving tip you would like to share with our listeners? If so, let us know by going to <a href="https://twitter.com/FinWellbeing?lang=en" rel="noopener noreferrer nofollow" target="_blank">Twitter @Finwellbeing </a>or email – contact@financialwell<a href="http://-being.co.uk" rel="nofollow" target="_blank">-being.co.uk</a> If you would like to purchase a copy of The Financial Wellbeing Book please click on this link to visit <a href="https://www.shopatpennybrohn.com/products/the-financial-wellbeing-book" rel="noopener noreferrer nofollow" target="_blank">Penny Brohn UK shop</a> <h6>Book Giveaway T&amp;Cs</h6> Win 1 of 5 FREE copies of “The Money Plan” from @warrenshute <a href="https://twitter.com/FinWellbeing?lang=en" rel="nofollow" target="_blank">To enter, follow and give us a RT on Twitter!</a> <ul> <li>5 Retweets will be picked at random to win a copy of “The Money Plan” by Warren Shute</li> <li>Winners will be asked to supply a postal address, details will only used to post prize</li> <li>Competition closes midnight 30/04/2019</li></ul>

Episode 48 – The Money Plan with Warren Shute

Mark Bristow

Episode 60 – Interview with The Financial Healer, Mark Bristow How damaging can our relationship with money be? Chris, David and Producer Tommo have a chat with Mark Bristow, The Financial Healer, about how we can uncover and challenge our self-limiting beliefs. From great #tightasstommotips to David’s excessive use of Bristol Rovers player names this is a podcast to keep you entertained! Welcomes and introductions I’m not that modest  (the quiet one who does all the work – Tammy Devonald) Initiative for Financial Wellbeing update – Click here for more information about IFW  What is this podcast all about –  An interview with Mark Bristow, author of the book The Financial Healer. Talking about our relationship with money and how it can cause stress and unhappiness.  Tight Ass Tommo Featuring January weddings, the risks of stalking and takeaway ice cubes! Many thanks to Chris @Ankers43 / Nick Lincoln @HatTipNick / Neil and Sandy Bage Two old guys reminisce about TVs, with rentals, thefts and wonky aerials. #tightasstommo Tip of the week – National Trust membership and wellbeing Mark Bristow Interview What is financial coaching? Financial wellbeing and your relationship with money If you go to a financial coach – make sure they are trained and have experience “Increase your self worth to increase your net worth”  Mark Bristow  David Lloyd’s reputation precedes him! Chris and Mark know each other from training days, and although they went different ways, have ended up in similar areas  How did Mark get into financial coaching NLP – Neuro Linguistic Programming How Mark incorrectly judged himself and found he was in the wrong job – what he did next Achievement without recognition When it is all about gaining money, and you gain that money, what then? Emotional Freedom Technique Click here to find out more on The Financial Healer book The book is all about self worth and how to get to your core self-limiting beliefs How to uncover those self limiting beliefs? Challenging Self-Limiting Beliefs blog post from Chris Bruce Lipton &amp; Epigenetics – the biology of belief External sources play a large part in forming our beliefs when young, and we seek to support them. What memory is causing our belief? How can we  rework the memory with a positive outcome? Marks childhood memory creating a mistaken belief, and how it followed him into adulthood The ‘there’s someting missing’ conundrum Believing in ourselves What one thinkg can we do differently? Catch a negative view and ask yourself, is it true? If you would like to purchase a copy of The Financial Wellbeing Book please click on this link to visit Penny Brohn UK shop  Conclusions from the guys How writers come up with names “If we talk to friends like we talk to ourselves we wouldn’t have many friends” Know thyself Click here for more information on Mark Bristow

<h4>Episode 60 – Interview with The Financial Healer, Mark Bristow</h4> How damaging can our relationship with money be? Chris, David and Producer Tommo have a chat with Mark Bristow, The Financial Healer, about how we can uncover and challenge our self-limiting beliefs. From great #tightasstommotips to David’s excessive use of Bristol Rovers player names this is a podcast to keep you entertained! Welcomes and introductions I’m not that modest (the quiet one who does all the work – <a href="//www.ovationfinance.co.uk/team-member/tammy-devonald/" rel="nofollow" target="_blank">Tammy Devonald)</a> Initiative for Financial Wellbeing update – <a href="//initiativeforfinancialwellbeing.org.uk/" rel="noreferrer noopener nofollow" target="_blank">Click here for more information about IFW</a> What is this podcast all about – <ul><li>An interview with Mark Bristow, author of the book The Financial Healer. Talking about our relationship with money and how it can cause stress and unhappiness. </li></ul> Tight Ass Tommo Featuring January weddings, the risks of stalking and takeaway ice cubes! Many thanks to <a href="//twitter.com/ankers43" rel="noreferrer noopener nofollow" target="_blank">Chris @Ankers43</a> / Nick Lincoln <a href="//twitter.com/HatTipNick" rel="nofollow" target="_blank">@</a><a href="//twitter.com/HatTipNick" rel="noreferrer noopener nofollow" target="_blank">HatTipNick</a> / <a href="//twitter.com/neilbage" rel="noreferrer noopener nofollow" target="_blank">Neil and Sandy Bage</a> Two old guys reminisce about TVs, with rentals, thefts and wonky aerials. #tightasstommo Tip of the week – National Trust membership and wellbeing Mark Bristow Interview What is financial coaching? Financial wellbeing and your relationship with money If you go to a financial coach – make sure they are trained and have experience <blockquote>“Increase your self worth to increase your net worth” Mark Bristow </blockquote> David Lloyd’s reputation precedes him! Chris and Mark know each other from training days, and although they went different ways, have ended up in similar areas How did Mark get into financial coaching NLP – Neuro Linguistic Programming How Mark incorrectly judged himself and found he was in the wrong job – what he did next Achievement without recognition When it is all about gaining money, and you gain that money, what then? Emotional Freedom Technique <a href="//www.amazon.co.uk/Financial-Healer-Change-Worth-Increase-ebook/dp/B00TXUO5LS/ref=sr_1_1?dchild=1&amp;keywords=the+financial+healer&amp;qid=1584959370&amp;sr=8-1" rel="noreferrer noopener nofollow" target="_blank">Click here to find out more on The Financial Healer book</a> The book is all about self worth and how to get to your core self-limiting beliefs How to uncover those self limiting beliefs? <a href="//www.financialwell-being.co.uk/2017/10/17/beliefs-are-not-truths-challenging-self-limiting-beliefs/" rel="nofollow" target="_blank">Challenging Self-Limiting Beliefs blog post from Chris</a> Bruce Lipton &amp; Epigenetics – the biology of belief External sources play a large part in forming our beliefs when young, and we seek to support them. What memory is causing our belief? How can we rework the memory with a positive outcome? Marks childhood memory creating a mistaken belief, and how it followed him into adulthood The ‘there’s someting missing’ conundrum Believing in ourselves What one thinkg can we do differently? Catch a negative view and ask yourself, is it true? If you would like to purchase a copy of The Financial Wellbeing Book please click on this link to visit <a href="//www.shopatpennybrohn.com/products/the-financial-wellbeing-book" rel="noreferrer noopener nofollow" target="_blank">Penny Brohn UK shop</a> Conclusions from the guys How writers come up with names “If we talk to friends like we talk to ourselves we wouldn’t have many friends” Know thyself <a href="//financialhealer.co.uk/" rel="noreferrer noopener nofollow" target="_blank">Click here for more information on Mark Bristow</a>

Episode 60 – Interview with The Financial Healer, Mark Bristow

Episode 59 – Social Prescribing Join Chris, David and Producer Tommo as they explore how all the areas of wellbeing support each other. In this episode the spotlight is on social prescribing, digging a little deeper past the initial problem and looking at more preventative solutions. With updates from the IFW, Ovation Client Questions on life assurance and plenty of sheds in the Tight Ass Tommo tip of the week have a listen to another great Financial Wellbeing Podcast. Welcomes &amp; Introductions David will be appearing in the Bristol Old Vic play Red Lion, 11th – 28th March – click here for more information and tickets What is this podcast all about – Other areas of wellbeing and how they all support each other Ovation Client Question’s – Life assurance. Early payouts in exceptional circumstances to maximise wellbeing. Tight Ass Tommo Shed’s, Shed’s, outbuilding’s and Sheds! Along with dieting and running the Bristol 10k. #tightasstommo’s borrowed tip of the week – Get kids watching Disney Thank you to Marcus @marcusinstroud and Amyr @a_rochalima Initiative For Financial Wellbeing Update Next conference 14th MayKeep an eye out for regional events in Bristol and London coming soonClick here for more information Social Prescribing It’s about time! The NHS definition of social prescribing – looking at the wider issues of wellbeing  20% of GP consultations are for social issues not health Looking more at preventative solutions Financial help from Macmillan, for those with cancer, but can also help others – click here The five parts to wellbeing that all interact with each other: CommunitySocialCareerPhysicalFinancial Financial wellbeing supports all the other areas How does social prescribing fit in with financial wellbeing? Community story from @leisa_batkin a Wellbeing Co-ordinator Starting conversations Social outlets needed to avoid loneliness Don’t sit on the wall and let the world go by A wise Brummie from David’s hitchhiking days   Finding purpose Link to Episode 55 Overcoming Anxiety with Nick Elston Do your own social prescribing, build it into your planning when working out what you want from life Plan social interactionPlan recovery time Conclusions from the guys This is what a good financial planner can do for you. They get to know you and find out your motives, spending time to help you maximise your wellbeing. Shameless plug – Ovation Finance can help with that – click here for more information 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

Episode 59 – Social Prescribing Join Chris, David and Producer Tommo as they explore how all the areas of wellbeing support each other. In this episode the spotlight is on social prescribing, digging a little deeper past the initial problem and looking at more preventative solutions. With updates from the<a href="https://initiativeforfinancialwellbeing.org.uk/" rel="nofollow" target="_blank"> IFW</a>,<a href="https://www.ovationfinance.co.uk/" rel="nofollow" target="_blank"> Ovation Client Questions</a> on life assurance and plenty of sheds in the Tight Ass Tommo tip of the week have a listen to another great Financial Wellbeing Podcast. Welcomes &amp; Introductions David will be appearing in the Bristol Old Vic play Red Lion, 11th – 28th March – <a href="https://bristololdvic.org.uk/w" rel="noreferrer noopener nofollow" target="_blank">click here for more information and tickets</a> What is this podcast all about – <ul><li>Other areas of wellbeing and how they all support each other</li></ul> Ovation Client Question’s – Life assurance. Early payouts in exceptional circumstances to maximise wellbeing. Tight Ass Tommo Shed’s, Shed’s, outbuilding’s and Sheds! Along with dieting and running the Bristol 10k. #tightasstommo’s borrowed tip of the week – Get kids watching Disney Thank you to Marcus <a href="https://twitter.com/marcusinstroud" rel="noreferrer noopener nofollow" target="_blank">@marcusinstroud</a> and Amyr <a href="https://twitter.com/a_rochalima" rel="nofollow" target="_blank">@a_rochalima</a> Initiative For Financial Wellbeing Update <ul><li>Next conference 14th May</li><li>Keep an eye out for regional events in Bristol and London coming soon</li><li><a href="https://initiativeforfinancialwellbeing.org.uk/" rel="noreferrer noopener nofollow" target="_blank">Click here for more information</a></li></ul> Social Prescribing It’s about time! The NHS definition of social prescribing – looking at the wider issues of wellbeing 20% of GP consultations are for social issues not health Looking more at preventative solutions <a href="https://www.macmillan.org.uk/cancer-information-and-support/get-help/financial-help" rel="noreferrer noopener nofollow" target="_blank">Financial help from Macmillan, for those with cancer, but can also help others – click here</a> The five parts to wellbeing that all interact with each other: <ul><li>Community</li><li>Social</li><li>Career</li><li>Physical</li><li>Financial</li></ul> Financial wellbeing supports all the other areas How does social prescribing fit in with financial wellbeing? Community story from <a href="https://twitter.com/leisa_batkin" rel="noreferrer noopener nofollow" target="_blank">@leisa_batkin</a> a Wellbeing Co-ordinator Starting conversations Social outlets needed to avoid loneliness <blockquote>Don’t sit on the wall and let the world go by A wise Brummie from David’s hitchhiking days </blockquote> Finding purpose <a href="https://www.financialwell-being.co.uk/2019/10/20/episode-55-overcoming-anxiety-with-nick-elston/" rel="nofollow" target="_blank">Link to Episode 55 Overcoming Anxiety with Nick Elston</a> Do your own social prescribing, build it into your planning when working out what you want from life <ul><li>Plan social interaction</li><li>Plan recovery time</li></ul> Conclusions from the guys This is what a good financial planner can do for you. They get to know you and find out your motives, spending time to help you maximise your wellbeing. <a href="https://www.ovationfinance.co.uk/" rel="nofollow" target="_blank">Shameless plug – Ovation Finance can help with that – click here for more information</a> 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 <a href="https://twitter.com/FinWellbeing?lang=en" rel="noreferrer noopener nofollow" target="_blank">Twitter @Finwellbeing </a>or email – contact@financialwell<a href="http://-being.co.uk" rel="nofollow" target="_blank">-being.co.uk</a> If you would like to purchase a copy of The Financial Wellbeing Book please click on this link to visit <a href="https://www.shopatpennybrohn.com/products/the-financial-wellbeing-book" rel="noreferrer noopener nofollow" target="_blank">Penny Brohn UK shop</a>

Episode 59 – Social Prescribing

Episode 57 – A Christmas Special It’s that time of year again – The guys have a festive episode of the podcast for you, featuring real dice and sketchy crackers! Join Chris, David and Producer Tommo as they pull a few crackers and play a few games with a financial twist.  Ho Ho Ho – Welcomes and introductions Why the new location? – Cheers Parmenion News on the next Financial Wellbeing Conference www.ifw.org.uk What is this podcast all about – A typical Christmas day, pulling a few crackers and playing a few games (Note from Editor Tammy – the Ovation Team have been working hard this festive season!) Christmas Crackers with a financial twist Christmas tree tip from Steve Gazzard Christmas toy tip from Tom Orchard Christmas Games Episode 21: Financial Capability with Neil Bage What does Producer Tommo do with £20 from Chris? Highlighting loss aversion and endowment effect Rolling the dice Highlighting attitude to risk and chasing a loss 3 Questions – play along with this one and compare your answers to David and Producer Tommo! Highlighting anchoring   Merry Christmas from The Financial Wellbeing Podcast 

Episode 57 – A Christmas Special It’s that time of year again – The guys have a festive episode of the podcast for you, featuring real dice and sketchy crackers! Join Chris, David and Producer Tommo as they pull a few crackers and play a few games with a financial twist. Ho Ho Ho – Welcomes and introductions Why the new location? – Cheers Parmenion News on the next Financial Wellbeing Conference <a href="//initiativeforfinancialwellbeing.org.uk/" rel="noreferrer noopener nofollow" target="_blank">www.ifw.org.uk</a> What is this podcast all about – A typical Christmas day, pulling a few crackers and playing a few games (Note from Editor Tammy – the Ovation Team have been working hard this festive season!) Christmas Crackers with a financial twist Christmas tree tip from Steve Gazzard Christmas toy tip from Tom Orchard Christmas Games <a href="//www.financialwell-being.co.uk/2017/07/21/episode-21-financial-capability-with-neil-bage/" rel="nofollow" target="_blank">Episode 21: Financial Capability with Neil Bage</a> What does Producer Tommo do with £20 from Chris? <ul><li>Highlighting loss aversion and endowment effect</li></ul> Rolling the dice <ul><li>Highlighting attitude to risk and chasing a loss</li></ul> 3 Questions – play along with this one and compare your answers to David and Producer Tommo! <ul><li>Highlighting anchoring</li></ul> <h2> Merry Christmas from The Financial Wellbeing Podcast </h2>

Episode 57 – A Christmas Special

Episode 56 – Community Wellbeing Chris, David and Producer Tommo delve deeper into one of the 5 main pillars of wellbeing – community wellbeing. They explore ideas to think about and act upon to engage in your community. A brilliant podcast dedicated to a brilliant man who exemplified community spirit – cheers digger Welcomes and introductions Episode dedication, to Digger What is this podcast all about? – Community wellbeing. Ideas to think about and act upon. Ovation Client Question’s – What happens to my pension when I die? Why so quick today? #oops  Tight Ass Tommo Tips from Twitter listeners –  David Lamb, @lotusdave – charge electronic devices at work Darren Cook, @redcirclefp – vasectomy @shininglightsuk  – online outlet stores, look to buy last season Last but not to be forgotten, #thightasstommo’s tip of the week – spending money on others Community wellbeing Link to Episode 11 – sharing economy and creating community spaces Why do we record this podcast? To give people ideas on how to improve their wellbeing, particularly when it comes to using their money. How Community effects our wellbeing? This is passive and out of our control. So what steps can we take to improve our own community wellbeing? How can we measure community wellbeing? People – social interactionsPlace – aestheticsPower – your voice in community Wellbeing by Rath &amp; Harter Five areas of wellbeing – FinancialCareerSocialPhysicalCommunity Even if you live somewhere great, you won’t get wellbeing unless you engage with the community Anecdotal evidence from talking to Ovation clients show people want to help others in someway once they know they are financially OK The impact we make on other people drives us David’s time volunteering at Bristol City Community Foundation Planned giving, time or money, is good for wellbeing. Especially where you can see the results What is virtue signalling? Ideas on where to get involved locally – coach local football teamScout groupsGovernors/Trustees of schoolsChildlineHelping army cadetsOrganise Christmas light switch on in local town Volunteer work is so rewarding and I recommend everyone do some. Find their thing, whatever it is that inspires them and give to is as they can, time, intellectually, money. Jason Holmes  Use self-interest for a positive change – royalvoluntaryservice.orggoodgym.orgChris Daems –  Kindness Project podcast Community wellbeing is something we need to work on Conclusions from the guys Live in a community that suits us, gives us a voice and the opportunities for engagement. Then we get out and use them.

<h4>Episode 56 – Community Wellbeing</h4> Chris, David and Producer Tommo delve deeper into one of the 5 main pillars of wellbeing – community wellbeing. They explore ideas to think about and act upon to engage in your community. A brilliant podcast dedicated to a brilliant man who exemplified community spirit – cheers digger Welcomes and introductions Episode dedication, to Digger What is this podcast all about? – Community wellbeing. Ideas to think about and act upon. Ovation Client Question’s – What happens to my pension when I die? Why so quick today? #oops Tight Ass Tommo Tips from Twitter listeners – David Lamb, @lotusdave – charge electronic devices at work Darren Cook, @redcirclefp – vasectomy @shininglightsuk – online outlet stores, look to buy last season Last but not to be forgotten, #thightasstommo’s tip of the week – spending money on others Community wellbeing <a href="//www.financialwell-being.co.uk/2016/12/21/episode-11-community-wellbeing-with-george-ferguson/" rel="nofollow" target="_blank">Link to Episode 11 – sharing economy and creating community spaces</a> Why do we record this podcast? To give people ideas on how to improve their wellbeing, particularly when it comes to using their money. How Community effects our wellbeing? This is passive and out of our control. So what steps can we take to improve our own community wellbeing? How can we measure community wellbeing? <ul><li>People – social interactions</li><li>Place – aesthetics</li><li>Power – your voice in community</li></ul> <a href="//wellbeing, rath &amp; harter" rel="nofollow" target="_blank">Wellbeing by Rath &amp; Harter</a> Five areas of wellbeing – <ul><li>Financial</li><li>Career</li><li>Social</li><li>Physical</li><li>Community</li></ul> Even if you live somewhere great, you won’t get wellbeing unless you engage with the community Anecdotal evidence from talking to Ovation clients show people want to help others in someway once they know they are financially OK The impact we make on other people drives us David’s time volunteering at Bristol City Community Foundation Planned giving, time or money, is good for wellbeing. Especially where you can see the results What is virtue signalling? Ideas on where to get involved locally – <ul><li>coach local football team</li><li>Scout groups</li><li>Governors/Trustees of schools</li><li>Childline</li><li>Helping army cadets</li><li>Organise Christmas light switch on in local town</li></ul> <blockquote>Volunteer work is so rewarding and I recommend everyone do some. Find their thing, whatever it is that inspires them and give to is as they can, time, intellectually, money. Jason Holmes </blockquote> Use self-interest for a positive change – <ul><li><a href="//www.royalvoluntaryservice.org.uk/" rel="nofollow" target="_blank">royalvoluntaryservice.org</a></li><li><a href="//www.goodgym.org/" rel="nofollow" target="_blank">goodgym.org</a></li><li>Chris Daems – <a href="//thekindnessproject.co.uk/" rel="nofollow" target="_blank">Kindness Project podcast</a></li></ul> Community wellbeing is something we need to work on Conclusions from the guys Live in a community that suits us, gives us a voice and the opportunities for engagement. Then we get out and use them.

Episode 56 – Community Wellbeing

After a book, 50+ episodes of the podcast and a brilliant conference the Financial Wellbeing message is spreading. In this episode we are happy to announce the creation of the Initiative for Financial Wellbeing. Financial advisers, planners, paraplanners, practice managers, anyone in the financial planning industry and beyond, take note – this will be a way to share the message of putting happiness and wellbeing at the heart of everything we do to help clients become happier not just wealthier. Introductions What is this podcast all about? Why is it not an institute just yet? What is the IFW? A place to talk about and share ideas on money and happiness Looking at researchTools for financial advicePartnershipsEvents Producer Tommo’s regional network – find out more, members@ifw.org.uk Please bear with us as we get going Thank you for all the support If you want to find out more, ask any questions or register your interest visit: www.ifw.org.uk

After a book, 50+ episodes of the podcast and a brilliant conference the Financial Wellbeing message is spreading. In this episode we are happy to announce the creation of the Initiative for Financial Wellbeing. Financial advisers, planners, paraplanners, practice managers, anyone in the financial planning industry and beyond, take note – this will be a way to share the message of putting happiness and wellbeing at the heart of everything we do to help clients become happier not just wealthier. Introductions What is this podcast all about? Why is it not an institute just yet? What is the IFW? A place to talk about and share ideas on money and happiness <ul><li>Looking at research</li><li>Tools for financial advice</li><li>Partnerships</li><li>Events</li></ul> Producer Tommo’s regional network – find out more, members@ifw.org.uk Please bear with us as we get going Thank you for all the support If you want to find out more, ask any questions or register your interest visit: <a href="//initiativeforfinancialwellbeing.org.uk/" rel="nofollow" target="_blank">www.ifw.org.uk</a>

The IFW is here . . .

Nick Elston

Episode 55 – Overcoming Anxiety with Nick Elston In this episode Chris, David and Producer Tommo share a chat with the inspirational Nick Elston. Following on from his spellbinding talk at the Financial Wellbeing Conference, Nick talks about his personal experiences with anxiety and how this led to becoming a professional speaker. With top tips on what you can do to overcome money anxiety, planting trees with #tightasstommo and a very topical Ovation Client Question, this is an episode not to miss.   Welcomes &amp; Introductions The Financial Wellbeing Book and it’s part in helping shape the Podcast What is this podcast all about –   An interview with Nick Elston, sharing his amazing story of how he deals with daily anxiety through professional speaking.  Ovation Client Questions – What to do about investments with Brexit looming?  Diverse portfolio Don’t keep looking at it If your financial adviser only talks about investments performance, get a new adviser  Tight Ass Tommo – Click here to visit ecosia.org  Use your internet searches to plant trees  Nick Elston Interview  His honest approach to professional speaking Nicks story, from OCD to GAD Thinking the worst of daily events, and how it impacted his daily life  Money and anxiety  Putting our happiness into material things will lead us out of control  Scheduling recovery to avoid burn out and breakdown Anxiety stunting growth. We find it easier to stay put and find change scary The fear of letting others down These problems have always happened, but now mental health is getting a voice Wearing masks Question and get to know yourself Disarming truth – telling people  exactly how you feel How to use self help books to create your own playbook to cope  The Chimp Paradox book  Testing Mark Twain’s theory “some of the worst things in my life never actually happened”  A worry journal Writing down 128 worries and looking back a week later to see they never happened  What else did Nick do to manage anxiety?  Never assume an outcome good or bad, look at the facts and process ‘Regret from the past and fear of the future’ Take emotion out of finances  Comparison is an enemy to wellbneing Jim Rohm – you are the average of the people you surround yourself with Choose to be happy How did Nick end up talking on stage about his anxiety?  Emotional storytelling People arn’t crying out to be fixed, they just want to be heard  Conclusions from the guys Click here for more information about Nick Elston and how to book him as a speaker Do you have any financial wellbeing questions you would like us to answer?  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

Episode 55 – Overcoming Anxiety with Nick Elston In this episode Chris, David and Producer Tommo share a chat with the inspirational Nick Elston. Following on from his spellbinding talk at the Financial Wellbeing Conference, Nick talks about his personal experiences with anxiety and how this led to becoming a professional speaker. With top tips on what you can do to overcome money anxiety, planting trees with #tightasstommo and a very topical Ovation Client Question, this is an episode not to miss. Welcomes &amp; Introductions The Financial Wellbeing Book and it’s part in helping shape the Podcast What is this podcast all about –  <ul> <li>An interview with Nick Elston, sharing his amazing story of how he deals with daily anxiety through professional speaking.</li> </ul> Ovation Client Questions – What to do about investments with Brexit looming? <ul> <li>Diverse portfolio</li> <li>Don’t keep looking at it</li> <li>If your financial adviser only talks about investments performance, get a new adviser</li> </ul> Tight Ass Tommo – <a href="https://www.ecosia.org" rel="noopener nofollow" target="_blank">Click here to visit ecosia.org </a> Use your internet searches to plant trees Nick Elston Interview <ul> <li>His honest approach to professional speaking</li> <li>Nicks story, from OCD to GAD</li> <li>Thinking the worst of daily events, and how it impacted his daily life</li> </ul> Money and anxiety <ul> <li>Putting our happiness into material things will lead us out of control</li> </ul> Scheduling recovery to avoid burn out and breakdown Anxiety stunting growth. We find it easier to stay put and find change scary The fear of letting others down These problems have always happened, but now mental health is getting a voice Wearing masks Question and get to know yourself Disarming truth – telling people  exactly how you feel How to use self help books to create your own playbook to cope <ul> <li><a href="https://www.amazon.co.uk/Chimp-Paradox-Management-Programme-Confidence/dp/009193558X/ref=sr_1_1?hvadid=80745417222083&amp;hvbmt=be&amp;hvdev=c&amp;hvqmt=e&amp;keywords=book+chimp+paradox&amp;qid=1571400543&amp;sr=8-1" rel="noopener nofollow" target="_blank">The Chimp Paradox book</a></li> </ul> Testing Mark Twain’s theory “some of the worst things in my life never actually happened” <ul> <li>A worry journal</li> <li>Writing down 128 worries and looking back a week later to see they never happened</li> </ul> What else did Nick do to manage anxiety? <ul> <li>Never assume an outcome good or bad, look at the facts and process</li> <li>‘Regret from the past and fear of the future’</li> <li>Take emotion out of finances</li> </ul> Comparison is an enemy to wellbneing Jim Rohm – you are the average of the people you surround yourself with Choose to be happy How did Nick end up talking on stage about his anxiety? <ul> <li>Emotional storytelling</li> <li>People arn’t crying out to be fixed, they just want to be heard</li> </ul> Conclusions from the guys <a href="https://nickelston.com" rel="noopener nofollow" target="_blank">Click here for more information about Nick Elston and how to book him as a speaker</a> Do you have any financial wellbeing questions you would like us to answer?  Do you have a #tightasstommo money saving tip you would like to share with our listeners? If so, let us know by going to <a href="https://twitter.com/FinWellbeing?lang=en" rel="noopener noreferrer nofollow" target="_blank">Twitter @Finwellbeing </a>or email – contact@financialwell<a href="http://-being.co.uk" rel="nofollow" target="_blank">-being.co.uk</a> If you would like to purchase a copy of The Financial Wellbeing Book please click on this link to visit <a href="https://www.shopatpennybrohn.com/products/the-financial-wellbeing-book" rel="noopener nofollow" target="_blank">Penny Brohn UK shop</a>

Episode 55 – Overcoming Anxiety with Nick Elston

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