Pennies To Pounds Podcast

Send us Fan Mail Pennies To Pounds presents Where We Learned It , a powerful roundtable conversation exploring how money, culture and legacy shape the Black British experience. Hosted by Kia Commodore , this discussion brings together Emmanuel Asuquo , Angel Arutura , Rotimi Merriman-Johnson and Elaine Babey for an honest conversation about money, identity and community. Together, they unpack wher...

Send us Fan Mail We’ve all copied money advice we thought would make us rich — but what if it’s actually keeping you broke? In this episode, Kia is joined by Kennie Bukky , finance expert and money strategist, to separate the smart moves from the scams. From the worst financial advice that still goes viral, to the habits that quietly build wealth over time, Kennie is here to cut through the noise....

Send us Fan Mail Forget what you’ve heard — apprenticeships aren’t just for people who “couldn’t get into uni.” In this episode, Kia sits down with Elijah , founder of The Black Apprentice Network , to break down the truth about degree apprenticeships , why they deserve way more respect, and how they can set you up for success — without £30K of student debt. We get into: 💡 The biggest myths about...

Send us Fan Mail In this episode, we’re joined by Elvire Matu, aka SaveWithElvs , the go-to plug for money-saving hacks, smart spending tips, and real-life cheat codes for surviving (and thriving) in 2025. From travel deals and cashback apps to lifestyle traps and common money leaks, Elvire is breaking down how to stretch your cash without shrinking your lifestyle. 💡 We cover: The biggest spendin...

Send us Fan Mail In this episode, writer, financial educator and all-around gem Anna Brading joins Kia to unpack the real link between money and confidence , why financial advice often leaves women behind, and what it actually takes to rewrite your money story in your 20s and 30s. From early money trauma to navigating imposter syndrome and building a life on your own terms, Anna shares the lessons...

Send us Fan Mail In this episode of Pennies to Pounds , Kia unpacks what it really means to enjoy life without sabotaging your financial future. Forget the old-school advice about constant sacrifice — this one’s about balance, strategy and enjoyment. Here’s what you’ll get: Smart ways to enjoy luxury on a budget (yes, including travel) The spending hack that keeps guilt out of your purchases Why a...

Send us Fan Mail The finance world is being transformed by artificial intelligence, with 73% of Gen Z and millennials now trusting AI more than human financial advisors to manage their money . This episode explores how AI can work for you rather than replace you. APPS MENTIONED: Cleo - https://web.meetcleo.com/ Emma - https://emma.to/kiacommodore Plum -  https://friends.withplum.com/r/x92P009iFM F...

Send us Fan Mail This episode features an entrepreneurial journey filled with financial challenges, moments of doubt, and unexpected breakthroughs that keep dreamers moving forward. Priscilla shares her personal story of building a children's book series while balancing financial struggles and maintaining faith in her vision. We discuss: Turning something you love into a business can bring un...

Send us Fan Mail In this episode, we’re diving deep into why financial protection is non-negotiable and how to safeguard your future with the right insurance. We’ll break down key areas like income protection , life insurance , and critical illness coverage so you can make informed choices about your financial security. Here’s what we’re unpacking: Why the unexpected can happen anytime, and how to...

Send us Fan Mail In this episode, we’re exploring Cashblack , a game-changing cashback platform supporting Black-owned businesses and fostering community growth. We explore the platform’s origins, born from a pivotal social moment, and how it’s changing how we shop while empowering communities. You’ll hear about how Cashblack works, what makes it stand out, and the innovative strategies behind bui...

Send us Fan Mail In this episode, we explore the benefits of automating your finances and focus on the mindset shifts needed to embrace this approach. Laura Ann Moore, a money mindset expert, shares insights on the emotional hurdles surrounding financial automation and practical steps listeners can take to create a healthier relationship with money. We cover: • Understanding the concept of money o...

Send us Fan Mail Just graduated and ready to take control of your finances? This episode is packed with the essential money moves you need to crush your career and financial goals from day one. Here’s what we’re covering: Unlock your future: Why workplace pensions are your secret weapon for long-term savings. Invest in YOU: Explore employer-backed opportunities to grow your skills and income. Meal...

Send us Fan Mail In this festive episode, we’re offering all the tips you need to master your money in 2025—without sacrificing the fun. From breaking down budgeting methods that actually work to showing you how to track every penny (even in a cashless world), this episode is your ultimate guide to balancing smart spending with guilt-free enjoyment. 💸 Here’s what we’re unpacking: • The 50/30/20 m...

Send us Fan Mail It’s time to stop wishing and start winning with your finances! In this episode, Kia breaks down the art of setting financial goals that you’ll actually achieve. Using the SMART framework, she shows you how to turn your big dreams into actionable plans that deliver real results. 💸 Here’s what we’re covering: ✨ Why vague goals won’t cut it and how to get specific ✨ The power of...

Send us Fan Mail What if you could completely transform your money game in just 12 days? On today’s episode of the Pennies To Pounds Podcast, we’re kicking off our special series, The 12 Days of Finance , to help you avoid the financial traps that leave you feeling broke and set yourself up for success in 2025. In this episode, we’re covering: ✨ Why lifestyle inflation is sabotaging your progress...

Send us Fan Mail With the new year almost upon us, we’re bringing you a new series for the next twelve days! The Pennies To Pounds ‘12 Days Of Finance’ series is dedicated to helping you level up your finances in 2025 and beyond. Each episode will be no longer than 10 minutes long and contain actionable steps to master your money. We’ll also answer some dilemmas and common questions, offering acti...

Send us Fan Mail In this episode, we’re breaking down everything you need to know about credit scores — what they are, why they matter, and how they can impact your financial journey. I’ll walk you through the basics, including the three credit reference agencies in the UK (Experian, Equifax, and TransUnion) and explain why your credit score might look different depending on where you check it. We...

Send us Fan Mail This week's episode we're joined by Maya, host of Maya’s Minutes podcast, to discuss finances in relation to love and womanhood. We explore the dynamics of observing your partner's money habits and why understanding these early on can prevent future conflict. The discussion extends to the pressures surrounding motherhood and career choices, and things that women can...

Send us Fan Mail This episode features Mary Felicia, a degree apprentice who has been scaling within the property industry since the age of 17. Mary chose a degree apprenticeship over the traditional university route, and she shares her experience. Mary’s story is not just inspirational but also packed with practical advice—whether it’s about mastering the build-to-rent sector or using social medi...

Send us Fan Mail What does turning a prison sentence into a mission for social change take? Meet Sobanan Narenthiran, the CEO of Breakthrough Social Enterprise, who shares his extraordinary journey from medical school to prison and beyond. We discuss his experience in prison, his transition back into medical school and building his business. Sobanan explains how Breakthrough leverages AI to empowe...

Send us Fan Mail This week's episode is with Safiya Rozi. As a software developer degree apprentice and content creator, Safiya shares her approach to juggling a demanding workload through prioritisation and planning. She also discusses her experience as a degree apprentice and how she's navigated the corporate world, especially with her finances. This episode also touches on wardrobe bu...

Send us Fan Mail Is your money protected? In this week's episode, we're joined by Matt Phillips, Head of Readiness at the Financial Services Compensation Scheme (FSCS). Matt discusses how  FSCS works and its vital role in protecting your finances when UK banks and institutions fail. From bank deposits to investments, pensions, mortgages, and insurance, learn how to secure up to £85,000 i...

Send us Fan Mail In this episode, Aaron discusses his early life marked by financial hardship and how it fueled his desire for financial stability and independence. He also discusses the importance of continuous learning, self-belief, and maintaining a disciplined approach to finances. FOLLOW AARON: • Instagram - https://www.instagram.com/aaronknightleyofficial/ • TikTok - https://www.tiktok.com/@...

Send us Fan Mail In this week's episode, we discuss setting up and managing your business finances with finance coach Joshua. We also discuss the implications of operating as a sole trader vs a limited company and the importance of forecasting potential business earnings.  Pre-order 'How To Handle Money' -  https://amzn.eu/d/gjomK0T FOLLOW JOSHUA: Instagram - https://www.instagram.c...

Send us Fan Mail In this episode of the Pennies To Pounds podcast, our sponsor, Klarna, joins us to provide a straightforward yet comprehensive breakdown of understanding different types of credit—credit cards, overdrafts, or personal loans. Raji Behal shares invaluable tips on when it’s smart to use credit and when it’s best to steer clear, helping you make informed financial decisions. *Klarna&a...