Educational photo carousel with money advice.from @workinghardpod

Themes

• financial literacy
• empowerment
• self-discipline
• wealth building

Techniques

• text overlay
• lifestyle photography
• direct address

Trends

• educational carousel
• value-driven content
• info-tainment

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If you comment ‘money’, I’ll send you this week’s episode what we should actually do with our finances 🤑 I know money can be really taboo and awkward to speak about but i think it’s important to talk about because growing up, most of us, especially women, were taught that money is something we’d learn later. I had no idea where to start, what anything meant, or if I was even doing it right. And so much personal finance content makes you feel shame and guilt, or is super complex and puts us off before we even start. So this episode is about understanding the habits we picked up early on, how to unlearn what doesn’t serve you and your bank account, and how to start building real confidence with money without the stress, guilt, or finance bro energy. It’s out now wherever you listen, and on YouTube if you prefer to watch. Hope you love it!!

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  let's talk about the best advice I've ever received about money

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  One: Track before you tweak This isn’t about shaming yourself for your expenditure or stopping spending on things you enjoy! It’s just about actually knowing where your money is going every month. → Track every expense for a month, not to guilt yourself, but to get data! → Think about small spending habits that add up quickly and quietly. → It’s tough love but you can’t fix what you refuse to acknowledge. → And until you know where it’s going, you can’t decide where it should go.

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  Two: Automate the basics I like to think of automation as delegating the boring stuff to a system that never forgets, it’s basically outsourcing being a “responsible adult”. I’ve found that the more you can take out of your hands, the easier it all becomes. → Set your outgoings to leave the day after payday. → Automate your savings so you don’t have to rely on your willpower. → Split money into separate savings accounts for clarity. → See what essentials you can get on subscription e.g skincare, basics etc. → Once it’s set up, you can focus on what you actually want to spend!

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  Three: Build an emergency buffer This is your “life happens” fund. The car breaks down, you lose a freelance client, your boiler decides it’s time to quit, you’ve got it covered. Start when you can, even if it’s small, it’ll make a difference in the long run. → Track how much your essentials actually cost so your target is realistic. → If you can, start with one month of essential expenses saved, then build. → Keep your emergency fund separate so you’re not tempted to spend it. → When the unexpected hits, it allows you to recover instead of reaching for credit.

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  Four: Start investing small and early Investing isn’t about checking stocks every 5 minutes, it’s about making your money work for you whilst you’re busy doing other things. And let’s be really frank about it, it’s how the rich get richer. Disclaimer: this isn’t me telling you what to invest in. Investing always comes with risk, and you should do your own research or speak to a professional before diving in!! → Start small and early, even £10 or £20 a month builds momentum. → Low fee index funds can be a great option to start with. → Keeping consistent matters more than confidence. → Listen to episode 93 with Simran Kaur for some amazing investing tips!

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  Five: Have a monthly money date Think of it as holding yourself accountable!! Over time, having monthly one hour reviews means you actually know what’s going on with your money, instead of burying your head in the sand. → Start normalising money conversations. → Keep a money date in the diary for 1hr on the last Sunday of the month. → The goal isn’t perfection, it’s just awareness until you feel in control. → Give yourself feedback because progress comes from accountability!