The Wallet

AJ Odudu is a TV presenter that you may recognise from programs such as Big Brother's Bit On The Side, Celebrity SAS Who Dares Wins, Don’t Rock The Boat and more recently behind the scenes for The Voice UK! In addition to her presenting achievements, she’s also a DJ, a qualified personal trainer, and a contributor to publications including Vogue and Marie Claire. In this episode of The Wallet, AJ...

Amy Thomson is the founder of Moody Month, a mood and hormone cycle tracker designed to help women better understand their bodies. Having raised over two million pounds with Moody Month, Amy shares her experience of raising the funds that have enabled her to build her business ethically and sustainably, as well as her own personal financial story as an entrepreneur.  Connect with Amy & Mo...

Saving for retirement can feel like a distant goal, with pensions often feeling complicated and impersonal.   But with research finding that by the time a woman is aged 65 to 69, her average pension wealth is roughly a fifth of that of a man the same age (Chartered Institute of Insurance 2018), saving for your pension can be vital for a happy retirement.  We know the gender pay gap...

Research from the Inclusive Tech Alliance has highlighted that just 12.6% of board members in the country's largest tech firms are women, and BAME people make up just 8.5% of senior leaders.   Joining me today is Abadesi Osunsade, founder of Hustle Crew, a community focused on giving underrepresented professionals the skills and support they need to achieve lasting change.  Inclusio...

Money can be a loaded and emotional topic. Our beliefs around money influence all aspects of our financial journey, from our earning capacity, to how we spend money and how we save for the future.  However, our money beliefs can be deep rooted and often subconscious. It can be tricky to know where to start when it comes to understanding our feelings about finances. It’s equally difficult to r...

In 2017/18, some 3.6 million British women and 2.9 million men opened a Cash ISA account. Yet, in the same tax year, more men held a Stocks and Shares ISA (1.3 million) when compared with women (1 million), according to HMRC (25 June 2020). While women are great at saving, research suggests that we are sometimes overly cautious (or risk aware, if you will) when it comes to taking the steps needed...

Money management and financial literacy are, unfortunately, not widely taught. This means that many of us have never had the opportunity to learn how to save money, how to invest or how to build wealth.  To make matters worse, the UK’s financial literacy gap disproportionally affects black communities and women. This has a detrimental impact on the levels of income as well as long-term wealth...

With money habits formed by age 7, our culture and formative backgrounds undoubtedly play an important role in shaping our attitude towards money. The question is: as adults, how can we decode what we have subconsciously been taught and build a positive mindset towards managing our money?   Joining me today is Selina Flavius, finance coach and founder of Black Girl Finance - the digital...

With the topic of money becoming increasingly more mainstream, financial journalism has played a key role in opening up the conversation around money, providing engaging and easily consumable content.  Through magazines and articles, financial journalism can break down money taboos, amplify different voices, and give consumers a platform to be heard.  My guest today is Laura Whateley, an...

Adrienne Herbert is the creator and host of the inspiring podcast, Power Hour, encouraging listeners to reclaim an hour a day to focus on their goals.  As well as being a motivational speaker, a personal trainer, a Mum, and in her own words a professional encourager, Adrienne can now add author to that list.  Her first book Power Hour: How to Focus on Your Goals and Create a Life You Lov...

Many of us have never been taught how to manage our money, this includes how to budget and how to plan for the future, but also how to save in the short term for the things we really want.  My guest today is Urenna Okonkwo who started her career as a financial advisor helping wealthy clients to manage their money. Today she is the CEO and founder of Cashmere -  an app that is helping you...

Research from ‘ Make my Money Matter ’ has shown that moving towards more sustainable funds can have many times more impact in reducing your carbon footprint than giving up flying and becoming vegan combined.  Joining me today is Alice Ross, Deputy News Editor for the Financial Times and author of the new book Investing To Save The Planet: How Your Money Can Make a Difference - her mission is...

As the pandemic continues to impact personal finances across the world, research shows that women and minority groups are being disproportionately affected. That's why it's increasingly important that financial products, such as bank accounts, savings products and financial advice, are accessible and inclusive for everyone.  The FCA estimates that in the UK, 1.3 million adults don’t have acce...

While the lack of diversity in the financial industry has been well documented, it's still shocking to hear that, according to Morningstar, “there are more funds run by men named David, than there are female fund managers in total”.  This is despite research by the Pipeline showing that diverse teams and ‘firms with more female executives’ actually 'perform better'.  So why is the financ...

Since reopening after lockdown, the property market has been incredibly active with record house sales being reported in the UK. Rightmove claims that “prices are now 5.5% higher than a year ago, the biggest rate of increase for over four years” and is “now forecasting annual growth rate to peak at circa 7% by December”.  Thanks to government incentives such as the stamp duty holiday, it may...

Joining me today is Helen Driver, ex-fund manager who spent 20 years in the City and founder of Moneyready , an interactive financial education platform for children and parents. Her mission is to ensure the next generation is ready to face their financial futures with confidence.  Together, we take a look at how parents can start introducing financial concepts (such as delayed gratification,...

It’s likely that when you start a business, you’ll need some money to get up and running.  You might initially need to invest in equipment or stock, or maybe you’ve grown your business to a point where you need some cash to be able to scale to the next level.  When it comes to getting money into your business, there are so many options out there from bootstrapping, getting a loan or a gr...

Many of us are trying to consume less, eat less meat, recycle, limit the number of flights we take to have a positive impact on the environment.  However it is estimated that of the “£3 trillion invested in UK pensions, a lot of it funds harmful industries like fossil fuels, tobacco, and arms”, according to Make My Money Matter.  With workplace pensions, it’s sometimes hard to know where...

Joining me today is Lottie Leefe, founder of The Dura Society and a financial advisor who is helping women through different stages of life to improve and take control of their wealth and wellbeing.  Together we cover what you should consider before making joint financial decisions, as well as providing valuable guidance on being financially prepared for the unexpected (wills, pension benefic...

Elizabeth Uviebinené is a brand strategist, columnist for the Financial Times & co-author of the award winning book Slay in Your Lane: The Black Girl Bible.   From a multi-title book deal, to accompanying podcasts and live events ‘Slay in Your Lane’ has become an empowering movement for Black British women.  Today on The Wallet, we take a deep dive into Elizabeth’s inspiring journey...

The UK Rose Review recently highlighted that only 1% of all venture funding goes to businesses founded by all-female teams.  The British Business Bank’s UK Venture Capital & Female Founders report found that “for every £1 of VC investment, all-female founder teams get less than 1p.” So we know there is a real need for funding to be directed towards female entrepreneurs, but how do we get...

How do you feel when you're checking your bank balance or when you receive a bill in the post?  Money and emotions often go hand in hand so when it comes to confronting our finances we can feel anxious or stressed, but how can we start to overcome our financial fears?  Joining me today is Bola Sol , financial wellness coach, influencer and podcaster, who is passionate about helping women...

My guest today is Lauren Armes, CEO, entrepreneur, and business coach, helping super cool experts in the wellness industry to make their mark, dream big and create a mindset ready for success and abundance. Lauren shares how she crushed her own stories of self doubt, and how she continues to practise a positive money mindset while building a business that supports her life goals.  You can con...

If you suddenly inherited money, would you know what to do with it? Most people don't, and neither did Ruth Taylor, who inherited a significant sum from a friend.  With money comes responsibility, especially when it used to belong to someone else. It takes a lot of research, learning and even soul-searching to understand the practicalities of managing an unexpected sum of cash. Ruth Taylor sp...

Are you looking to buy your first property but you don’t know where to start? Maybe you already have some savings and you want to learn more about the mortgage process? And what about the costs that follow after you’ve purchased your first home, how do you decorate on a shoestring budget?  Jade Vanriel is a property influencer who became a homeowner at the age of 23 without financial help fro...