Welcome to the The Savvy Wallet Podcast, where I talk to the brightest minds in personal finance, business, health and more. Episodes released every Monday at 8...
EP. 150 - Debt Expert: The Truth About The UK Debt System! This Is How They Trap You in The Debt Cycle! ft. Oye
Joining us in the booth this week is Oye, founder of The Real Debt Guy and has worked in the subject of UK debt for 18 years.
In this episode we discuss:
- How the UK debt system really works
- What will happen if you communicate or don't communicate with the lender
- Actions the lender can take to recover the debt
- How to manage negative feelings towards debt
- The impact of your spend circle
- How the debt buying business works
- How to leverage the UK debt system
- How to escape the UK debt cycle and much more
*CORRECTION*
At 42:33 - Oye said "non-priority" he meant to say "priority"
🔗 Connect with Oye:
Website: https://www.therealdebtguy.com
Youtube: https://www.youtube.com/@Oye_TheRealDebtGuy
📩 Sign up to my mailing list to be the first to know about upcoming events:
http://eepurl.com/hJEcLL
➡️ Follow Savvy Wallet on:
Instagram: https://www.instagram.com/savvywallet
TikTok: https://www.tiktok.com/@savvywallet
Check out our partner who is offering an Instant Savings Account Earning 4.07% AER Variable for your Business:
Tide - https://tide.onelink.me/IS48/SavvyWallet
T&Cs Apply.
Check out our partners who offer Stocks and Shares ISA and more:
⚡️Trading 212⚡️ (The investing platform I use)
Get a FREE fractional share worth up to £100 when you open an ISA or invest account and deposit at least £1, using my link: https://www.trading212.com/join/SAVVY
If you don't get the free share automatically after depositing £1. Use the code "SAVVY" in the promo code box. You can use this code for up to 10 days after opening the account.
When investing, your capital is at risk. Tax treatment depends on your individual circumstances and regulations which may change. Other fees may apply.
⚡️Hargreaves Lansdown ⚡️
http://hl.7eer.net/B0mz50
Capital at risk
⚡️Interactive Investor ⚡️
https://prf.hn/click/camref:1101l3RTLM/ar:SW
Capital at risk
Learn AI, Cybersecurity, Project Management, Data Science & more with the education platform that I use:
📚Coursera
https://imp.i384100.net/savvywallet
Some of the links are affiliate links which means that we will receive a small commission if you make a purchase, however there will be no additional charge to you.
TIMESTAMPS
00:00 - Savvy Wallet Ad
00:18 - Preview
01:41 - Intro
02:17 - Meet debt expert Oye
07:51 - How does the debt system work?
12:31 - Relationship between the lender and the borrower
16:31 - Getting into the Debt cycle from university
22:11 - The impact on credit report for not paying credit repayments
25:19 - What happens if you can’t pay your debts?
31:31 - Fight the fear and open that debt letter!
33:51 - Do this if you’re struggling with your mortgage?
35:57 - What actions can a lender take to recover their money?
40:42 - What happens if you communicate with your lender?
43:17 - What protection do borrowers have?
45:46 - How does it get to the stage to Bailiffs
50:55 - How does buying and selling debt work?
58:51 - Why you should avoid bankruptcy!
01:02:12 - Why people feel negatively about debt
01:06:26 - How to manage feelings towards debt?
01:13:47 -How to navigate pressure to spend?
01:17:39 - Good debt vs bad debt
01:19:42 - How to leverage the debt system for your benefit?
01:20:40 - Steps to get out of the debt cycle
01:24:15 - Pitfalls to prevent you from getting into debt
01:27:11 - How The Real Debt Guy can help you
01:29:37 - Final words
The information contained on this video is not intended as, and shall not be understood or construed as, financial advice. I am not a financial advisor and the information in this video is not a substitute for financial advice from a professional who is aware of the facts and circumstances of your individual situation.
Learn more about your ad choices. Visit megaphone.fm/adchoices
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1:32:27
EP. 149 - Investing Expert: Becoming A Millionaire Is Simple! This ONE Investment Will Make Me Rich! ft. Ryan King (Making Money Simple)
Joining us in the booth is investing and finance expert Ryan King, who has built an investment portfolio worth over £100,000+ in 7 years.
In this episode we discuss:
Why becoming a millionaire is ‘simple’
How Ryan built a £100,000 investment portfolio in 7 years
The one investment that will make Ryan a Millionaire
How compound interest can help you build serious wealth
How to deal with fear in the stock market
Investing in Bitcoin and the future of crypto
3 step blueprint to invest today and much more
🔗 Connect with Ryan:
Instagram: https://www.instagram.com/makingmoneysimple
Youtube: https://www.youtube.com/@MakingMoneySimple
📚Grab a copy of Ryan's book " Stop Waiting, Start Investing": https://amzn.to/4i7YBnr
📩 Sign up to my mailing list to be the first to know about upcoming events:
http://eepurl.com/hJEcLL
➡️ Follow Savvy Wallet on:
Instagram: https://www.instagram.com/savvywallet
TikTok: https://www.tiktok.com/@savvywallet
Check out our partners who offer Stocks and Shares ISA and more:
⚡️Trading 212⚡️ (This is Ato's investing platform of choice)
Get a FREE fractional share worth up to £100 when you open an ISA or invest account and deposit at least £1, using my link: https://www.trading212.com/join/SAVVY
If you don't get the free share automatically after depositing £1. Use the code "SAVVY" in the promo code box. You can use this code for up to 10 days after opening the account.
When investing, your capital is at risk. Tax treatment depends on your individual circumstances and regulations which may change. Other fees may apply.
⚡️Hargreaves Lansdown ⚡️
http://hl.7eer.net/B0mz50
Capital at risk
⚡️Interactive Investor ⚡️
https://prf.hn/click/camref:1101l3RTLM/ar:SW
Capital at risk
Some of the links are affiliate links which means that we will receive a small commission if you make a purchase, however there will be no additional charge to you.
Check out our partner who is offering an Instant Savings Account Earning 4.07% AER Variable for your Business:
Tide - https://tide.onelink.me/IS48/SavvyWallet
T&Cs Apply.
TIMESTAMPS
00:00 - Savvy Wallet Ad
00:18 - Preview
01:23 - Intro
01:59 - Meet investing expert and finance author Ryan King
04:19 - Lessons learnt living in Australia
09:52 - What Ryan’s invested in and the value of his investment portfolio
15:02 - How do you actually make money from investing?
19:49 - How much Ryan started investing with
24:11 - The current amount Ryan invests in monthly
30:56 - The real reason why people can’t retire
36:00 - Becoming a millionaire is easy?!
39:31 - Why you should stop waiting and start investing
44:18 - How to figure out what to invest in
51:39 - The cons of investing in global index funds
57:04 - How to deal with fear in the stock market
01:01:33 - How to stay patient with investing
01:09:57 - Biggest lessons learnt from investing
01:11:39 - The exact blueprint to invest today
01:17:44 - The importance of automating your investments
01:19:29 - How to minimise your investment fees
01:21:47 - Bitcoin going to $100,000 and the future of crypto
01:30:01- What to expect from The Stop Waiting Start Investing Book
01:34:34 - Final words
Learn more about your ad choices. Visit megaphone.fm/adchoices
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1:38:25
EP. 148 - Wealth Manager: Don’t Aim To Be Rich! The Truth About Splitting Bills In A Relationship! ft. Natasha Percy-Baxter
Joining us in the booth this week is Wealth Manager and Financial planner, Natasha Percy-Baxter.
In this episode we discuss:
A wealth manager’s perspective on money
Being Rich vs being wealthy
Pitfalls of trying to be rich
Tools to build wealth
The state pension crisis
How money causes breakdown in a relationship
Financial red flags in relationships
Couples and families building wealth together and much more
🔗 Connect with Natasha:
Instagram: https://www.instagram.com/percybaxter_wealth_management
Website: https://partnership.sjp.co.uk/partner/percybaxter
📩 Sign up to my mailing list to be the first to know about upcoming events:
http://eepurl.com/hJEcLL
Sponsor
Tide - Get an Instant Savings Account Earning 4.07% AER Variable for your Business:
https://tide.onelink.me/IS48/SavvyWallet
T&C's apply.
➡️ Follow Savvy Wallet on:
Instagram: https://www.instagram.com/savvywallet
TikTok: https://www.tiktok.com/@savvywallet
Check out our partners who offer Stocks and Shares ISA and more:
⚡️Trading 212⚡️(This is Ato's investing platform of choice)
Get a FREE fractional share worth up to £100 when you open an ISA or invest account and deposit at least £1, using my link: https://www.trading212.com/join/SAVVY
If you don't get the free share automatically after depositing £1. Use the code "SAVVY" in the promo code box. You can use this code for up to 10 days after opening the account.
When investing, your capital is at risk. Tax treatment depends on your individual circumstances and regulations which may change. Other fees may apply.
⚡️Hargreaves Lansdown ⚡️
http://hl.7eer.net/B0mz50
Capital at risk
⚡️Interactive Investor ⚡️
https://prf.hn/click/camref:1101l3RTLM/ar:SW
Capital at risk
Some of the links are affiliate links which means that we will receive a small commission if you make a purchase, however there will be no additional charge to you.
TIMESTAMPS
00:00 - Savvy Wallet Ad
00:18 - Preview
01:30 - Intro
02:05 - Meet Wealth Manager Natasha
05:52 - Tide ad
07:09 - Growing up in Chelsea
11:07 - Natasha’s path to wealth management
18:22 - The life of a wealth manager
22:49 - Money insights from a wealth manager
25:01 - What is the big difference being “rich” and being “wealthy”
29:56 - Pitfalls of trying to appear rich!
33:08 - The steps to wealth
37:06 - Tools to help you build wealth ?
43:22 - How money causes breakdown in a relationship
48:38 - How transparent should you be with money in your relationship?
53:02 - Key questions couples need to ask themselves
57:52 - What will happen if you don’t talk about money in your relationship
01:01:42 - Other Financial red flags
01:03:45 Couples managing their finances
01:11:49 - What it’s like working with financial advisors
01:17:03 - Can a couple hire a financial advisor?
01:18:31 - How to build wealth together ?
01:21:32 - Final words
Learn more about your ad choices. Visit megaphone.fm/adchoices
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1:24:52
EP. 147 - Financial Advisor: The Truth About Getting Rich In the UK And Building Wealth! ft. Michael Donkor
Joining us in the booth this week is certified financial planner and financial advisor, Michael Donkor who has worked in the finance industry for over a decade.
In this episode we discuss:
Can you still become rich in the UK?
The pro’s and con’s of investing and how it can help you build wealth
Michael’s 10 year lessons of working in finance
How Michael’s client became a millionaire in their 20’s
The difference between “rich” and “wealthy”
Why retirement planning needs to be balanced!
2 actions to start investing today and much more
🔗 Connect with Michael:
Instagram: https://www.instagram.com/mikegdonkor
Linkedin: https://www.linkedin.com/in/michaelgdonkor
📩 Sign up to my mailing list to be the first to know about upcoming events:
http://eepurl.com/hJEcLL
Sponsor
Tide - Get an Instant Savings Account Earning 4.07% AER Variable for your Business:
https://tide.onelink.me/IS48/SavvyWallet
T&C's apply.
➡️ Follow Savvy Wallet on:
Instagram: https://www.instagram.com/savvywallet
TikTok: https://www.tiktok.com/@savvywallet
Check out our partners who offer Stocks and Shares ISA and more:
⚡️Trading 212⚡️(This is Ato's investing platform of choice)
Get a FREE fractional share worth up to £100 when you open an ISA or invest account and deposit at least £1, using my link: https://www.trading212.com/join/SAVVY
If you don't get the free share automatically after depositing £1. Use the code "SAVVY" in the promo code box. You can use this code for up to 10 days after opening the account.
When investing, your capital is at risk. Tax treatment depends on your individual circumstances and regulations which may change. Other fees may apply.
⚡️Hargreaves Lansdown ⚡️
http://hl.7eer.net/B0mz50
Capital at risk
⚡️Interactive Investor ⚡️
https://prf.hn/click/camref:1101l3RTLM/ar:SW
Capital at risk
Some of the links are affiliate links which means that we will receive a small commission if you make a purchase, however there will be no additional charge to you.
TIMESTAMPS
00:00 - Preview
01:18 - Intro
01:53 - Meet Financial Planner and Financial Advisor Michael
06:56 - Tide Ad
08:11 - Growing up in Hackney
13:44 - How I became a financial planner
21:32 - What’s the difference between a financial planner and financial advisor?
27:15 - How my clients make money!
32:39 - My “aha” moments from working in finance for over a decade
36:48 - Ways to build your wealth!
38:16 - Savvy Wallet Ad
42:10 - Benefits of investing in the stock market?
48:23 - Risks of investing in the stock market
50:37 - How to identify what to invest in?
52:50 - My client became a Millionaire!
57:38 - Benefits of a Stock and shares isa
59:26 - Lessons learnt from investing for clients
01:01:28 - Sensible amount of money to invest every month?
01:03:55 - How do you save for a house and invest at the same time ?
01:09:45 - This person wanted to become a millionaire in 5 years
01:12:33 - 2 actions to start investing today
01:14:37 - This is the number one investment
01:18:17 - Can you still become rich in the UK?
01:23:18 - Factors to decide if the UK is right for you?
01:27:11 - The Money System in Switzerland
01:31:28 - Final words
The information contained on this video is not intended as, and shall not be understood or construed as, financial advice. I am not a financial advisor and the information in this video is not a substitute for financial advice from a professional who is aware of the facts and circumstances of your individual situation.
Learn more about your ad choices. Visit megaphone.fm/adchoices
--------
1:35:49
EP. 146 - Tech Career Experts: Recruiters Are Hiding Jobs! How To Land Your Next Tech Role! ft, Roxanne & Joanna (Tech Talk Uk)
In this episode we have Roxanne who is a Go To Market Leader driving growth in a fintech company and Joanna who is a Marketing Leader leading the marketing effort and tech startups and they are the founders of Tech Talk.
In this episode we discuss:
- How to land your first tech role
- Non-coding tech roles you don’t know about
- Deciding the right company for you
- How you can earn more working for a scale-up than in big tech
- How to access the hidden job market
- Tips to actually land your next dream job and much more!
🔗 Connect with Tech Talk UK:
Instagram: https://www.instagram.com/techtalkuk
📩 Sign up to my mailing list to be the first to know about upcoming events:
http://eepurl.com/hJEcLL
➡️ Follow Savvy Wallet on:
Instagram: https://www.instagram.com/savvywallet
TikTok: https://www.tiktok.com/@savvywallet
Learn AI, Cybersecurity, Project Management, Data Science & more with the education platform that I use:
📚Coursera
https://imp.i384100.net/savvywallet
Check out our partner who is offering an Instant Savings Account Earning 4.07% AER Variable for your Business:
Tide - https://tide.onelink.me/IS48/SavvyWallet
T&Cs Apply.
Check out our partners who offer Stocks and Shares ISA and more:
⚡️Trading 212⚡️
Get a FREE fractional share worth up to £100 when you open an ISA or invest account and deposit at least £1, using my link: https://www.trading212.com/join/SAVVY
If you don't get the free share automatically after depositing £1. Use the code "SAVVY" in the promo code box. You can use this code for up to 10 days after opening the account.
When investing, your capital is at risk. Tax treatment depends on your individual circumstances and regulations which may change. Other fees may apply.
⚡️Hargreaves Lansdown ⚡️
http://hl.7eer.net/B0mz50
Capital at risk
⚡️Interactive Investor ⚡️
https://prf.hn/click/camref:1101l3RTLM/ar:SW
Capital at risk
Some of the links are affiliate links which means that we will receive a small commission if you make a purchase, however there will be no additional charge to you.
TIMESTAMPS
00:00 - Preview
00:57 - Intro
01:32 - Meet Tech Career Experts Roxanne and Joanna
04:08 - Joanna growing up in Brazil
05:22 - Roxanne growing up in South Africa
07:29 - How their environments shaped them
10:23 - The challenges of living in Beijing, China for 6 months
17:05 - How Roxanne became a GTM leader for a fintech company
23:34 - How Joanna became a marketing leader
28:40 - Actionable steps that enabled us to get our roles in Tech
32:04 - The hidden job market
36:57 - Mistakes we’ve made in our careers
42:06 - How to get your first tech role
45:38 - Non-coding tech roles you don’t know about
49:31 - How to decide the right company for you
55:35 - How to access the secret job market
01:06:24 - How to actually pass an interview and secure your next job
01:14:16 - What to expect from Tech Talk
01:17:12 - Final words
Learn more about your ad choices. Visit megaphone.fm/adchoices
Welcome to the The Savvy Wallet Podcast, where I talk to the brightest minds in personal finance, business, health and more. Episodes released every Monday at 8am GMT on Spotify, Apple Podcasts, Youtube and wherever you listen to your podcasts. Subscribe to be reminded whenever a new episode is released!
Follow us on our social media accounts:
Instagram - https://www.instagram.com/savvywallet
TikTok - https://www.tiktok.com/@savvywallet
Youtube - https://www.youtube.com/savvywallet