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. 152 - Brain Psychologist: Don't Repeat This Mistake Next Year! How To Actually Achieve Your 2025 Goals! ft. Dr Amber Johnston
Joining us in the booth this week is Dr Amber Johnston, a director at Healthy Mind Psychology, she’s also a Clinical Psychologist and Neuropsychologist. With over 20 years working with patients in the areas of clinical, health, pain management, and neuropsychology.
In this episode we discuss:
- Steps to set realistic 2025 goals
- How to actually achieve your 2025 goals
- Why anyone can form new habits & how to get rid of old habits
- Overcoming limiting beliefs
- How our brains define our behaviour and actions
- How stress and alcohol impacts your brain and much more!
🔗 Connect with Dr Amber Johnston:
Instagram - https://www.instagram.com/healthymindpsychologyuk
📩 Sign up to my mailing list to be the first to know about upcoming events:
http://eepurl.com/hJEcLL
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
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.
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.
➡️ Follow Savvy Wallet on:
Instagram: https://www.instagram.com/savvywallet
TikTok: https://www.tiktok.com/@savvywallet
00:00 - Savvy Wallet Ad
00:18 - Preview-
01:18 - Intro
01:54 - Meet Dr Amber Johnston
08:16 - What is neuropsychology?
11:14 - What does a treatment plan for someone with a brain injury look like?
15:17 - How our brains determine our behaviour and actions
22:48 - How are your first habits created?
27:14 - What impact will a concussion have on someone’s behaviour?
32:11 - How does stress impact your brain and your body?
37:35 - Society doesn’t take stress seriously!
41:31 - Why we think we can’t achieve something?
44:27 - Defining your “why” for setting 2025 goals
46:37 - The importance of setting smaller 2025 goals
49:49 - Having flexibility with your goals
51:24 - Does it really take 66 days to form a new habit?
52:10 - How to set your 2025 Goals
56:32 - How to overcome loss of motivation
01:00:58 - How to become more resilient keeping working on your 2025 goal
01:03:39 - Beating yourself up won’t help you achiever your 2025 goals
01:07:19 - How does the association with new years happen?
01:12:13 - What does a healthy brain look like?
01:16:00 - How to become more driven
01:21:00 - How to identify your existing habits
01:24:10 - Final words
Learn more about your ad choices. Visit megaphone.fm/adchoices
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1:29:44
EP. 151 - Financial Psychotherapist: Don't Let Money Control You! This Is How To Master Your Money In 2025! ft. Vicky Reynal
Joining us in the booth this week is Financial Psychotherapist, Vicky Reynal, who is also author of the book: "Money On Your Mind:The Psychology Behind Your Financial Habits"
In this episode we discuss:
- How our relationship with money is formed
- The reason we have strong emotions for money
- How lack of financial literacy impacts your financial wellbeing
- Why people self-sabotage with money
- How to navigate societal pressure to spend big during the Christmas period
- Tips for form new money habits and much more!
🔗 Connect with Vicky:
Linkedin - https://www.linkedin.com/in/vicky-reynal-4070ba133
Instagram - https://www.instagram.com/vickyreynalpsychotherapy
📩 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
01:25 - Intro
02:01 - Meet Financial Psychotherapist Vicky Reynal
06:02 - How Vicky became the person she is today
08:44 - Suffering in silence with money
09:52 - How is our relationship with money is developed
14:01 - Why do we have such strong emotions for money?
16:08 - What does a good level of financial wellbeing look like?
18:28 - How lack of financial literacy impacts your financial wellbeing
20:40 - How a positive or negative financial wellbeing impacts you
21:45 - How to figure out how you feel about money
24:31 - How to develop better financial wellbeing
26:53 - Why we self sabotage with money
31:45 - The balance of a saver and a spender
33:57 - The impact of being a people pleaser with money
38:13 - Why some people feel like they constantly don’t have enough money
40:45 - A negative feeling isn’t always a bad financial choice!
41:51 - Why people feel guilty about spending
45:10 - The gamblers mindset explained
49:16 - How to get out of the gamblers mindset
52:55 - How does tension with money with couples happen!
55:38 - Arguments about money not really about money!
01:01:18 - How to talk to people about money?
01:04:28 - How to manage the societal pressure to spend at Christmas
01:09:22 - How are money habits formed?
01:12:58 - Tips to form new habits in the new year
01:15:01 - What to expect from the money on your mind book!
01:19:59 - Final words
Learn more about your ad choices. Visit megaphone.fm/adchoices
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1:23:56
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
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