Send us a text 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…

Send us a text 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 stan…

Send us a text 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. …

Send us a text 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 op…

Send us a text 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. …

Send us a text 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 c…

Send us a text 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 l…

Send us a text 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 s…

Send us a text 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 lo…

Send us a text 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 c…

Send us a text 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 masteri…

Send us a text 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 …

Send us a text 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. Th…

Send us a text 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…

Send us a text 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/aaronknight…

Send us a text 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: Inst…

Send us a text 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 …

Send us a text We're halfway through the year; how are your financial goals coming along? Have you achieved any of them, or have they been put aside? This episode is all about reflecting on our journey, celebrating our wins, and recalibrating our targets for the rest of the year. By the end of this episode, you'll have practical tips and strategies…

Send us a text Kickstart your journey to financial empowerment with this special live episode from our "New Year, Wealthier You" event, hosted at the iconic Samsung KX building in London. Our esteemed panellists, financial well-being speaker Laura Ann Moore and wealth and investment coach Kevin Cahill discuss money mindset, smart budgeting, and eff…

Send us a text What if your childhood experiences with money have already set the stage for your financial future? This week's episode is about how we can make positive financial shifts. Whether recognising your spending triggers or acknowledging past teaching about money when you were younger, we can all progress towards a healthier financial life…

Send us a text This episode is with Nikkita Tew, founder of the financial literacy platform Young Spender. We're discussing the ways in which people in their 20s and 30s can maximise their savings for their short—and long-term goals and plan for retirement. She also breaks down your payslip and explains how taxes are deducted and what your tax code…

Send us a text How are today's youth weathering the storm of the cost-of-living crisis while keeping their fingers firmly on the pulse of culture and beauty standards? This week's episode features Tumisha and Alvin of Tag Agency, who discuss the findings from their $penny Report. This report highlights this generation's resilience, embracing thrift…

Send us a text This episode is with Sammie Ellard-King, founder of financial education platform Up The Gains. In this episode, we're discussing how to begin your wealth-building journey, ways to increase your personal growth and how to give your income a boost. FOLLOW UP THE GAINS: Instagram - https://www.instagram.com/upthegainsmoney/ Website - ht…

Send us a text This week's episode is with mortgage advisor Dan Knott demystifying the home-buying process for first-time buyers. He covers how mortgages work, what to be aware of before making an application and schemes available to boost your savings financially. FOLLOW DAN 🏡 Instagram - https://www.instagram.com/dandoesmortgages_/ LinkedIn - htt…

Send us a text We're back with another episode for first-time buyers! On Thursday 24th August 2023, we hosted an event in London at the Samsung KX building dedicated to debunking the first-time homebuyer journey. This was the final panel of the night with London solo buyer Ayo and couple Alex and Cameron who bought in East London. Filled with a lot…

Send us a text When you think about a professional dancer, does the image of a financial whiz come to mind? For Susie, this week's podcast guest, this unlikely transition from the stage to spreadsheets is her reality. Susie Italiano, the finance fairy godmother for small charities and creative freelancers, shares how to calculate your minimum month…

Send us a text In this episode, we're discussing Life Insurance and the importance of having insurance policies to protect your finances. To do this, we're joined by Insurance Advisor Ella or Ella Ensures who breaks down the different types of policies available and at which points in life you should consider taking them out. FOLLOW ELLA: Instagram…

Send us a text This episode is filled with insights from Topsy Taiwo, the property guru behind Property Purchaser, guiding us through the Right to Buy scheme. We also explore the process of going from buying your first home to your next home - schemes available, the process, and how to find a good estate agent. Get Topsy's Book - https://payhip.com…

Send us a text Happy New Year everyone! As we're heading straight into 2024, the first episode of the year is discussing how you can make conscious money decisions to reach your financial goals this year. TOPICS COVERED: Discovering your financial values Setting realistic financial goals Creating a useful budget Mindful spending and consumerism - L…

Send us a text Looking to make savings this Black Friday and Cyber Monday? This episode is not just about the nuts and bolts of smart shopping. It's about real-life experiences and strategies we've picked up along the way. PLUS we discuss Travel Tuesday - the little-known opportunity for discounted travel! WEBSITES MENTIONED: Google Shopping - http…

Send us a text Ready to take charge of your financial future and build generational wealth? Sharing my personal journey, this episode is packed with actionable steps for those in their 20s, 30s, and beyond. Discussing methods to build your wealth, how to set clear financial goals as well as how to approach saving and investing for the long-term. Th…

Send us a text In this episode, we delve into the basics of investing and explore the significance of clear financial goals, the necessity of an emergency fund, and various investment strategies. From buying individual stocks and shares to pouring your money into investment funds, we've got you covered. INVESTMENT PLATFORMS MENTIONED: Wealthify - h…

Send us a text #ad Want to boost your financial journey but short on time? You’re in luck because Kia has been busy working on a brand-new podcast with Legal & General called A Little Bit Richer, and it’s aimed at making you just that. These weekly bite-sized episodes cover the stuff they didn’t teach us at school but that you need to know to survi…

Send us a text Ever wonder about the pros and cons of renting vs buying a property? In the second panel at our London event on the 24th of August 2023, we were joined by two amazing panelists to discuss this further. Jade Vanriel (here), a seasoned property buyer and content creator, and Nadine Bacchus (here), a pandemic renovator, share their pers…

Send us a text We're back with an episode for first-time buyers! On Thursday 24th August 2023, we hosted an event in London at the Samsung KX building dedicated to debunking the first-time homebuyer journey. This episode is Panel 1 - What are the schemes and options available for first-time homebuyers? Our panel was comprised of property expert Tay…

Send us a text Imagine being in your early twenties and a homeowner. Sounds like a dream, right? Meet Jade Vanriel, a property & lifestyle content creator who turned this dream into reality. She shares her journey - from making sacrifices and tough financial decisions to living with her aunt to save money. She also gives young people a roadmap to k…

Send us a text We've got a gem-filled episode for you this week! Join us as we dive into the secrets of career success with our special guest, Shay Loko. Shay is a job-search content creator and co-founder of the Black British pub quiz, PRTY HERE. Shay reveals strategies for leveraging non-monetary benefits, from flexible schedules to professional …

Send us a text This week's episode is live with Hayley Mulenda! Hayley Mulenda is a Multi-Award Winning International Speaker, Author, and Change Agent who has spoken to thousands of people across the world sharing her story of how she turned her pain into purpose. Get ready for a mind-expanding episode that will transform your relationship with mo…

Send us a text Get ready to dive deep into this week's finance headlines in this episode! To do so, we're joined by podcaster and current affairs commentator Ayo, aka Disunomics. We uncover the recent buzz surrounding interest rates, as they soar to a surprising 4.5%. What does this mean for you? Discover how the rate hike impacts savers, mortgage …

Send us a text Join us for a riveting conversation with Larry, a successful entrepreneur and investor who has made his mark in the world of digital asset brokering, web design, and luxury asset investing. Larry shares his inspiring journey to wealth creation, from his early days in tech to his pivot into the high net worth investment space. Discove…

Send us a text In this episode, we explore the complex and often taboo topic of financial dependency in relationships. Nadine, the creator of the social media page Rona Renovation, shares her insights on how financial dependency can manifest in a relationship, and the impact it can have on both partners. We delve into the power dynamics within rela…

Send us a text In this episode, we dive deep into the inspiring story of Ibrahim Braimah, who went from being homeless to owning multiple properties. They share their journey of how they overcame obstacles and challenges, and the mindset they developed along the way. We also discuss practical tips for getting started in property investing with litt…

Send us a text This episode is with Mary-Grace Olu, a final year university student studying Law who is also an online content creator sharing her journey as well as fashion & beauty content. TOPICS COVERED: Choosing law as a career path Going to Brampton Manor Academy for sixth-form Being rejected from Oxford University Becoming a successful onlin…

Send us a text This week’s episode is sponsored by Visit England. Kia is joined by Jazz to discuss their trip to Newcastle discussing what they got up to and how they saved money on their staycation. TOPICS: - Things to do in Newcastle - Places to eat in Newcastle on a budget - Things to do in Newcastle on a budget - How to save on staycations in E…

Send us a text This week's episode is focusing on the link between mental health and finances. We're exploring this topic into the triggers and how people can take care of their mental health. To discuss this topic, we're joined by Celine Erorh, founder of mental health platform Celutions. TOPICS: How Celutions began The link between mental health …

Send us a text This week's episode is great for anyone looking to start investing or better understand how to make it best work for you. To simplify this for us, we're joined by Ato, AKA Savvy Wallet. TOPICS COVERED: - The importance of investing in yourself - Investing myths - What are dividend stocks? - How does compound interest work? - How to b…

Send us a text This episode is a very special one as we're joined by Financial Advisor, TV Personality, and Newly Published Author Emmanuel Asuquo. TOPICS COVERED: Habits to leave to improve your finances Understanding how to grow your wealth Money and relationships - the role finances play His newest book, Get Your Money Right (purchase the book h…

Send us a text In this episode, we're joined by content creator Jordan (JayVSOP). He is the Online Financial Influencer of 2022, Co-Founder of the platform @sturdyoff, and online content creator. TOPICS COVERED - Apprenticeships - Growing the Sturdy-Off platform - How credit works and using it responsibly - Ways to make extra money - Jordan's journ…

Send us a text In this episode, we're joined by friends Sadia and Amanda. They have recently completed on an investment property together based in Liverpool and are going through the process of renovating the property. Support the show FOLLOW PENNIES TO POUNDS 💸 Instagram - https://www.instagram.com/penniestopoundspod/ Twitter - https://twitter.com…

Send us a text In this episode, we're joined by Shola West - Media Week’s 30 Under 30 Newcomer, & TEDx speaker. Shola now works at Global Media Agency OMD UK as a Media Partnerships & Social Content Executive; her clients include Barclays, PepsiCo & Channel 4. She is also a Careers Content creator and has amassed a following of over 12k young peopl…