Bang on the Money

Alex Holder: Talking about money opens up relationships

Mon, 14 Oct 2019 05:00:00 +0000

Alex Holder is a freelance journalist, consultant and author of Open Up: The Power of Talking About Money. In her book, she shares her thoughts on the emotions that surround money and gives her advice on splitting bills, navigating unpaid internships and those £400 hen dos.

https://linktr.ee/alexandreholder

https://twitter.com/AlexandreHolder

https://www.instagram.com/alexandreholder/

Books

Open Up: The Power of Talking About Money, Alex Holder

https://www.hive.co.uk/Product/Alex-Holder/Open-Up--The-Power-of-Talking-About-Money/23289514

Queenie, Candice Carty-Williams

https://www.hive.co.uk/Product/Candice-Carty-Williams/Queenie/23449724

Websites

Your Mental Wealth, Dr Brad Klontz

https://www.yourmentalwealth.com/about-us/dr-brad-klontz/

Articles

Women need to talk more openly about pay, Emma Gannon

https://www.thetimes.co.uk/article/emma-gannon-women-need-to-talk-more-openly-about-pay-lzpxbdvg7

Apps

Splitwise

https://apps.apple.com/gb/app/splitwise/id458023433

The information provided is for educational purposes only and does not constitute financial advice. The views expressed in this podcast are our own, not those of the firms we work for.

Anna Codrea-Rado: Being a freelancer doesn't mean working for free

Mon, 07 Oct 2019 05:00:00 +0000

Anna Codrea-Rado is a freelance journalist, campaigner and founder of FJ&Co, through which she organises panel discussions meet-ups. Earlier this year, she launched the #FairPayForFreelancers campaign to call for an end to payment on publication, respect to late payment fees and updates to outdated payment systems. She also a runs weekly newsletter, the Professional Freelancer and a podcast, Is this working?

https://www.annacodrearado.com/

https://twitter.com/annacod

https://www.instagram.com/annacod/

Host: Charlotte Lorimer

Music: Milly Ashbridge

Artwork: Amber Haas

Resources

First Aid for Freelancers

https://www.annacodrearado.com/first-aid-for-freelancers

Articles

How I Hacked My Most-used Apps to Calculate My Day Rate

https://contently.net/2019/02/21/resources/rates/how-i-hacked-my-most-used-apps-to-calculate-my-day-rate/

Newsletters

The Professional Freelancer

https://www.annacodrearado.com/newsletter

Ann Friedman

https://www.annfriedman.com/weekly

Quartz

https://qz.com/emails/daily-brief/

Podcasts

Is this working?

https://podcasts.apple.com/gb/podcast/is-this-working/id1473508626

Instagram accounts

FJ&Co

https://www.instagram.com/fjandco/?hl=en

Facebook groups

Freelance Journalists UK

https://www.facebook.com/groups/FreelanceJournalistsUK/

Freelance Heroes

https://www.facebook.com/groups/freelanceheroes/

Apps

Clockit: the Pomodoro timer

https://apps.apple.com/us/app/clockit-the-pomodoro-timer/id1126290740

Monzo

https://apps.apple.com/gb/app/monzo-bank/id1052238659

Starling Bank

https://apps.apple.com/gb/app/starling-bank-mobile-banking/id956806430

First Direct

https://apps.apple.com/gb/app/first-direct/id405905004

The information provided is for educational purposes only and does not constitute financial advice. The views expressed in this podcast are our own, not those of the firms we work for.

Mariam Jimoh: Your passion can become your profession

Mon, 30 Sep 2019 07:55:00 +0000

Mariam Jimoh is a social entrepreneur. She is the founder of Women in the City Afro-Carribbean Network, known as WCAN, the ethnic food delivery service Oja, and the publisher Onwe Press. When she set up WCAN at university in 2013, it was the first organisation of its kind. Six years on, WCAN supports 4000 black women in their professional and personal development.

https://twitter.com/TheArtofMariam

https://www.wcan.uk/

https://www.my-oja.com/

https://www.onwepress.com/preorder

Host: Charlotte Lorimer

Music: Milly Ashbridge

Artwork: Amber Haas

Definitions

Fundraising: Seeking financial support for a charity, cause, or other enterprise.

Bootstrapping: Starting up with minimal financial resources.

Books

Daughters of Nri, Reni K Amayo

https://www.onwepress.com/books/daughtersofnri

Queenie, Candice Carty-Williams

https://www.hive.co.uk/Product/Candice-Carty-Williams/Queenie/23449724

"I Will Not Be Erased": Our stories about growing up as people of colour, gal-dem

https://www.hive.co.uk/Product/gal-dem/I-Will-Not-Be-Erased-Our-stories-about-growing-up-as-people-of-colour/23674482

What We're Told Not to Talk About (But We're Going to Anyway): Women's Voices from East London to Ethiopia, Nimko Ali

https://www.hive.co.uk/Product/Nimko-Ali/What-Were-Told-Not-to-Talk-About-But-Were-Going-to-Anyway/20394734

The Multi-Hyphen Method, Emma Gannon

https://www.hive.co.uk/Product/Emma-Gannon/The-Multi-Hyphen-Method--The-Sunday-Times-business-bestseller/23289114

The information provided is for educational purposes only and does not constitute financial advice. The views expressed in this podcast are our own, not those of the firms we work for.

Money Medics: Millennials can save

Mon, 23 Sep 2019 05:00:00 +0000

Ashley Agwuncha and Eve Obasuyi are pharmacists by day, bloggers by night and savers, always. In 2018, they founded the online money tips platform Money Medics, along with Ashley’s brother and Eve’s fiancé Nicholas Agwuncha. Their aim is to debunk millennial money myths.

https://linktr.ee/moneymedics

https://www.instagram.com/moneymedics/

Host: Charlotte Lorimer

Music: Milly Ashbridge

Artwork: Amber Haas

Definitions

Help to Buy: A government-backed initiative designed to help people get on the property ladder or buy a new home without a large deposit.

Mortgage: An agreement that allows you to borrow money from a bank or similar organisation, especially in order to buy a house.

Interest: Money that is charged by a bank or other financial organisation for borrowing money or money that you earn from keeping your money in an account in a bank or from investments.

Credit Score: A number based on information which financial organisations consider in making decisions about lending money.

ETF: Exchange-Traded Fund, a fund that follows the level of share prices on a stock market, and that is also traded on a market.

Articles

How to become a property developer in your twenties: Trio debunk myth that millennials can’t get on housing ladder after saving for a £750k portfolio by ditching lunches out, avoiding peak travel times and only buying clothes in the sales

https://www.dailymail.co.uk/news/article-6683857/Three-millennials-debunk-myth-home-ownership-building-property-portfolio-worth-750k.html

Apps

Monzo

https://apps.apple.com/gb/app/monzo-bank/id1052238659

Starling Bank

https://apps.apple.com/gb/app/starling-bank-mobile-banking/id956806430

Plum

https://apps.apple.com/gb/app/plum-grow-your-money/id1456139507

Moneybox

https://apps.apple.com/gb/app/moneybox-save-and-invest/id1049797239

ClearScore

https://apps.apple.com/gb/app/clearscore-credit-tracker/id1056640628

Hargreaves Lansdown

https://apps.apple.com/gb/app/hargreaves-lansdown/id450465506

Wealthify

https://apps.apple.com/gb/app/wealthify-saving-investments/id1204332482

Wealthsimple

https://apps.apple.com/ca/app/wealthsimple-invest-and-save/id948087968

Nutmeg

https://apps.apple.com/gb/app/nutmeg-saving-investment/id1127250193

Websites

Eventbrite

https://www.eventbrite.co.uk/

Shoptagr

https://beta.shoptagr.com/?source=old_shoptagr

Facebook Marketplace

https://www.facebook.com/marketplace/

Gumtree

https://www.gumtree.com/

eBay

https://www.ebay.co.uk/

Trainline

https://www.thetrainline.com/

The information provided is for educational purposes only and does not constitute financial advice. The views expressed in this podcast are our own, not those of the firms we work for.

Emilié Bellet: You don’t have to be rich to start investing

Mon, 16 Sep 2019 05:00:00 +0000

Emilié Bellet is the author of You’re Not Broke, You’re Pre-Rich, a practical guide for streamlining your finances, and the founder and CEO of Vestpod, the digital platform and community that empowers women financially through education, workshops and events. While working for the investment bank Lehman Brothers, she became acutely aware of the financial literacy gap, especially for women. Vestpod and her You’re Not Broke, You’re Pre-Rich aim to change this.

https://www.vestpod.com/

https://twitter.com/emilieldn

https://twitter.com/VestPod

https://www.instagram.com/vestpod/

Host: Charlotte Lorimer

Music: Milly Ashbridge

Artwork: Amber Haas

Definitions

ISA: Individual savings account, a scheme allowing individuals to hold cash, shares, and unit trusts free of tax on dividends, interest, and capital gains.

Stock: The capital raised by a company or corporation through the issue and subscription of shares.

Share: One of the equal parts into which a company's capital is divided, entitling the holder to a proportion of the profits.

Dividend: A sum of money paid regularly (typically annually) by a company to its shareholders out of its profits (or reserves).

Bond: A certificate issued by a government or a public company promising to repay borrowed money at a fixed rate of interest at a specified time.

Coupon: A detachable portion of a bond which is given up in return for a payment of interest.

Fund: A supply of capital belonging to numerous investors that provides a broader selection of opportunities, greater management expertise and lower investment fees than investors might be able to obtain on their own.

Portfolio: A range of investments held by a person or organisation.

APR: Annual or annualised percentage rate (used typically of interest on loans or credit).

Compound interest: The addition of interest to the principal sum of a loan or deposit, or in other words, interest on interest.

Impact investing: Investments made into companies, organisations, and funds with the intention to generate a measurable, beneficial social or environmental impact alongside a financial return.

Net worth: Everything you own minus everything you owe.

SIPP: A self-invested personal pension, a pension plan that enables the holder to choose and manage the investments made.

Books

You’re Not Broke, You’re Pre-Rich: How to streamline your finances, stay in control of your bank balance and have more GBP, Emilié Bellet

https://www.hive.co.uk/Product/Emilie-Bellet/Youre-Not-Broke-Youre-Pre-Rich--How-to-streamline-your-fi/23569589

Work Like a Woman: A Manifesto For Change Paperback, Mary Portas

https://www.hive.co.uk/Product/Mary-Author-Portas/Work-Like-a-Woman--A-Manifesto-For-Change/23641476

Money: A User’s Guide, Laura Whateley

https://www.hive.co.uk/Product/Laura-Whateley/Money-A-Users-Guide/22214660

Websites

Inflation calculator

https://www.bankofengland.co.uk/monetary-policy/inflation/inflation-calculator

Boring Money

https://www.boringmoney.co.uk/?signupfrom=https://www.google.com/

Apps

Moneybox

https://apps.apple.com/gb/app/moneybox-save-and-invest/id1049797239

Wealthsimple

https://apps.apple.com/ca/app/wealthsimple-invest-and-save/id948087968

Starling Bank

https://apps.apple.com/gb/app/starling-bank-mobile-banking/id956806430

Monzo

https://apps.apple.com/gb/app/monzo-bank/id1052238659

The information provided is for educational purposes only and does not constitute financial advice. The views expressed in this podcast are our own, not those of the firms we work for.

Alice Tapper: Money is a tool, not the only definition of success

Mon, 09 Sep 2019 05:00:00 +0000

Alice Tapper is the founder of Go Fund Yourself, an online platform and community which makes personal finance relatable. Her book, Go Fund Yourself, has five sections: Learn It, Earn It, Start It, Spend It and Invest It. It covers everything from the history of money and consumerism to financial mindsets and how to make a budget work for you.

https://linktr.ee/go_fund_yourself_

https://twitter.com/AliceRTapper

https://www.instagram.com/go_fund_yourself_/

Host: Charlotte Lorimer

Music: Milly Ashbridge

Artwork: Amber Haas

Definitions

ISA: Individual savings account, a scheme allowing individuals to hold cash, shares, and unit trusts free of tax on dividends, interest, and capital gains.

Pension: A regular payment made during a person's retirement from an investment fund to which that person or their employer has contributed during their working life.

GDP: Gross domestic product, the total value of goods produced and services provided in a country during one year.

Share: One of the equal parts into which a company's capital is divided, entitling the holder to a proportion of the profits.

Compound interest: The addition of interest to the principal sum of a loan or deposit, or in other words, interest on interest.

Dividend: A sum of money paid regularly (typically annually) by a company to its shareholders out of its profits (or reserves).

APR: Annual Percentage Rate, a percentage that represents the actual yearly cost of funds over the term of a loan.

Books

Go Fund Yourself: What Money Means in the 21st Century, How to be Good at it and Live Your Best Life, Alice Tapper

https://www.hive.co.uk/Product/Alice-Tapper/Go-Fund-Yourself--What-Money-Means-in-the-21st-Century-Ho/22991633

Lean In: Women, Work and the Will to Lead, Sheryl Sandberg

https://www.hive.co.uk/Product/Sheryl-Sandberg/Lean-In--Women-Work-and-the-Will-to-Lead/17559860

My Thoughts Exactly, Lily Allen

https://www.hive.co.uk/Product/Lily-Allen/My-Thoughts-Exactly--The-No1-Bestseller/23016169

Apps

Wealthsimple

https://apps.apple.com/ca/app/wealthsimple-invest-and-save/id948087968

Wealthify

https://apps.apple.com/gb/app/wealthify-saving-investments/id1204332482

The information provided is for educational purposes only and does not constitute financial advice. The views expressed in this podcast are our own, not those of the firms we work for.

Harriet Allner: Honesty eases money worries

Tue, 27 Aug 2019 17:44:11 +0000

Harriet Allner is a writer and senior account manager at Common Industry, a purpose-led communications agency. In collaboration with the app-only bank Starling, she led the#MakeMoneyEqual campaign which called out the media on speaking to men and women differently about money. Outside of Common Industry, she has written for Metro and has her own blog The Scribble Bug.

https://thescribblebug.com/

https://twitter.com/TheScribbleBug

https://www.instagram.com/thescribblebug/

Host: Charlotte Lorimer

Music: Milly Ashbridge

Artwork: Amber Haas

Definitions

FinTech: Financial technology.

ISA: Individual savings account, a scheme allowing individuals to hold cash, shares, and unit trusts free of tax on dividends, interest, and capital gains.

Stock: The capital raised by a company or corporation through the issue and subscription of shares.

Share: One of the equal parts into which a company's capital is divided, entitling the holder to a proportion of the profits.

Bond: A certificate issued by a government or a public company promising to repay borrowed money at a fixed rate of interest at a specified time.

Books

Open Up: The Power of Talking About Money, Alex Holder

https://www.hive.co.uk/Product/Alex-Holder/Open-Up--The-Power-of-Talking-About-Money/23289514

The Money Revolution: Easy Ways to Manage Your Finances in a Digital World, Anne Boden

https://www.koganpage.com/product/the-money-revolution-9781789660616

The Multi-Hyphen Method, Emma Gannon

https://www.hive.co.uk/Product/Emma-Gannon/The-Multi-Hyphen-Method--The-Sunday-Times-business-bestseller/23289114

Slay in Your Lane: The Black Girl Bible, Yomi Adegoke and Elizabeth Uviebinené

https://www.hive.co.uk/Product/Yomi-Adegoke/Slay-In-Your-Lane--The-Black-Girl-Bible/22326316

Little Black Book, Otegha Uwagba

https://www.hive.co.uk/Product/Otegha-Uwagba/Little-Black-Book/23155603

When’s Happy Hour? Work Hard So You Can Hardly Work, Betches

https://www.simonandschuster.co.uk/books/Whens-Happy-Hour/Betches/9781501198984

You’re Not Broke, You’re Pre-Rich: How to streamline your finances, stay in control of your bank balance and have more GBP, Emilié Bellet

https://www.hive.co.uk/Product/Emilie-Bellet/Youre-Not-Broke-Youre-Pre-Rich--How-to-streamline-your-fi/23569589

Go Fund Yourself: What Money Means in the 21st Century, How to be Good at it and Live Your Best Life, Alice Tapper

https://www.hive.co.uk/Product/Alice-Tapper/Go-Fund-Yourself--What-Money-Means-in-the-21st-Century-Ho/22991633

Money: A User’s Guide, Laura Whateley

https://www.hive.co.uk/Product/Laura-Whateley/Money-A-Users-Guide/22214660

Instagram accounts

Money Medics

https://www.instagram.com/moneymedics/?hl=en

Go Fund Yourself

https://www.instagram.com/go_fund_yourself_/?hl=en

Betches

https://www.instagram.com/betches/?hl=en

Websites

Money and Mental Health

https://www.moneyandmentalhealth.org/

National Numeracy

https://www.nationalnumeracy.org.uk/

Apps

Depop

https://apps.apple.com/gb/app/depop/id518684914

Starling Bank

https://apps.apple.com/gb/app/starling-bank-mobile-banking/id956806430

Splitwise

https://apps.apple.com/gb/app/splitwise/id458023433

Moneybox

https://apps.apple.com/gb/app/moneybox-save-and-invest/id1049797239

Flux

https://www.tryflux.com/

Podcasts

The High Low: Should Celebrities Be Involved In Prison Reform?; & The Lunacy of Hen/Stag Season (41:32)

https://podcasts.apple.com/gb/podcast/should-celebrities-be-involved-in-prison-reform-lunacy/id1211338187?i=1000440625458

Where Shall We Begin?

https://podcasts.apple.com/gb/podcast/where-should-we-begin-with-esther-perel/id1237931798

The information provided is for educational purposes only and does not constitute financial advice. The views expressed in this podcast are our own, not those of the firms we work for.