Online Scams, And How To Avoid Them

Uncategorized Oct 29, 2019

Not all scams are created equal. Not all of them are after your money. As scams become craftier and more complex, how can we protect ourselves?

First, a story…


So, you’re at work when you get a Facebook message from your mum: “OMG have you seen this pic of you LOL”

What? You click the link to see the picture and get redirected to a Facebook login page. You enter your email and password and hit Log In. Then the browser window disappears. Hmm. So you open another browser window and head back to Facebook. Only to find that you’re still logged on.

In fact, you were always logged on. The link you clicked in your mum’s message had simply redirected you to a fake login page. Your mum’s account had been hacked and now the hackers have your login details too.

It’s scary stuff when you consider that most of us use the same password across multiple accounts. Once they have your email and password, what other accounts could...

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Talk Nerdy To Me: Tax Codes (What Do The Letters Mean)

Uncategorized Oct 29, 2019

Okay so nearly everyone is entitled to a tax-free personal allowance, which means that you can earn a certain amount each year without being taxed.

This tax year 2018/2019 (if employed) your tax code is likely to be 1150L, it means your allowance is £11,500.

Not sure if yours in correct try out a Tax Calculator.

Tax Brackets

This is for the tax year 6 April 2018 to 5 April 2019.

Band Taxable Income Tax Rate
Personal Allowance Up to £11,850 0%
Basic Rate £11,851 to £46,350 20%
Higher rate £46,351 to £150,000 40%
Additional rate over £150,000 45%

What do the letters mean?

Okay K, L, S what does these letters at the end of our codes mean?  The letters in our tax code refer to our situation and how it affects our Personal Allowance.

W1 or M1 – at the end which stands for W1 (week 1) and M1 (month 1) means you are being emergency taxed and your tax is being calculate on what you are paid in...

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5 Ways To Stay Money Savvy This Christmas

Uncategorized Oct 29, 2019

1. Have a minimalistic Xmas 

Christmas is a time for laughter, cheer, family, friends and ….a LOT of waste. In fact around 227,000 miles of wrapping paper is thrown away every year and over 6 million Christmas trees are discarded. Not to mention how many toys end up in landfill by early in the new year. So why not make a commitment with your family to have a zero waste Xmas. Make a donation to your favourite charity, have a no gift policy or only buy presents from charity stores.

2. Stop treating yo self 

If you’re like us, then when you pop to the shops to go Christmas shopping for family and friends, you somehow manage to also end up getting yourself a few extra presents…because hey it’s been a long year! Well then maybe online shopping is a safer option for you? Look at quality presents from Etsy that you can personalise or use an Amazon Discount Finder. This allows you to search for specific discounts such as Hair Straightener 25% off, Make-up...

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5 Minute Budget Planner

Uncategorized Oct 29, 2019

We have created a super simple budget planner for you – now I ain’t no spread sheet warrior but this I love cause it is so easy to use.

The best way to use this budget calculator is to:

1. Be realistic  – write in the correct amounts, if you’re not sure of them, then just estimate or look through some of your last month’s bank statements.

2. Spend just one week writing down everything you purchase separately (yes even those quick trips to Pret and boots).

3. Take another look at your budget and adjust…. is it realistic? If you’re in the red you can either earn more or spend less. They are the only two options!

4. Stick to it. You can do this. #BACKINTHEBLACK


Share your budgeting journey here. 

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How To Test A Side Hustle Idea

Uncategorized Oct 29, 2019

There are many reasons why you might want to start a side hustle! Extra cash, financial independence, test a business idea, pay off a student loan… you get my drift. Never has there been a better time to start a side hustle with cost of entry to get into a side hustle low, websites are cheap and you don’t need an office to do this, and you can start from home.


Last night 90 women joined She’s on the Money at Karmarama in Farringdon for Get Your Side Hustle On!

Skye Robertson from Escape the City broke down on Thursday night how to get clear on your idea criteria:

1. How easy will it be to launch?

2. How easy it will it be to make money?

3. How much time will it take to operate?

4. Does it match my non-negotiables?

5. Do I care about the problem/need/product?

6. Am I excited about it?

And then how to create a MVP – Minimal Viable Product to test your idea, this:

1. Creates value

2. With minimal amount of effort.

3. With a feedback loop to learn...

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Girls Just Wanna Have Funds – Investing tips

Uncategorized Oct 29, 2019

Rachel O’Connor Director of Flourix Wealth has put her top tips together for us!  Thanks Rach (we are sending you a long distance high five).

1. Write down your goals and divide them up into short term (1-3 years), medium term (4-6 years) and long term (7+ years).

The point of investing is to get you to your goals. It’s not about beating the share market, ‘buying high selling low’, the next hot tech stock or anything else like that. It’s all about you, your goals and getting you there. So the first thing you need to do is write down your goals and be as specific as possible. This is going to determine the kinds of investments you will make and therefore the results you achieve.

2. Compounding Returns

‘Compounding’ is what is happening when your money is making money. It happens when you take a number and grow it over and over by a percentage. In order to make compounding work for you, you need to start as soon as possible and...

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Money Monday Saving Tips

Uncategorized Oct 29, 2019

Be Supermarket SAVVY! Psychology secrets you didn’t know

Who has gone into buy milk and have come out with everything but milk! Yeah me too,


so supermarkets are designed to make you spend more literally from the moment before you even enter. They want to slow down your pace, so when you first enter even the automatic doors are actually slower and the flowers for sale out the front as to put you at ease. A mid-size shopping centre will stock 30,000 products however we will only ever buy 300 each year.  In smaller express shops where they are short on space – they will make you do a 90 degree turn to get into the aisles again slowing you down. The wide layout when you first enter a large supermarket (fruit + veg ) is to make you feel at ease .  According to Aldi and Lidl’s famous special buy sections in the middle (which is that really random bit in the middle where you can...

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Honey I Shrunk the Money

Uncategorized Oct 29, 2019

Talking about finances can be super awkies at the start of a relationship but it’s important to understand each others approach to money. When do you have this discussion? Maybe the first Bumble date might be too early, but you also don’t want to find yourself 5 years down the track and learn that your partner is £25k deb nor do you want to be saving for a house deposit while your partner is busy buying up bitcoin? It’s important that you understand each other’s money mind-set when it comes to finances as you will ultimately be inheriting their wealth or their debt.

On today’s podcast show, we talk to Founder of Mr Social Nana Wereko-Brobby who runs real life dating events about how to broach the subject of money, love and relationships!

Here are 20 questions we have put together for you to discuss with your honey to make sure your both on the Money!

  1. If you won a million pounds in the lottery what would your...

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8 Top Tips For (Actually) Sticking To Your Budget

Uncategorized Oct 29, 2019

Are you a chronic over spender? Often splurge on impulse buys? Can’t workout where all your money’s gone by the end of the month? Even if you start off the month with the best intentions, your colour coded 4 page budget isn’t much use unless you manage it well.

Sometimes people can feel restricted by the words BUDGET (like it takes the fun out of life) – but on the contrary having a budget can actually bring you financial freedom!

Here are our top 10 tips for managing your budget like a boss. 

1. Set a goal. You don’t get on a plane without knowing where you’re going (unless you’re being surprised by a super nice getaway). Likewise, there’s no point setting up your budget without a goal in mind, otherwise it’s just a pile of numbers on a page! Make sure you’ve got a clear financial plan ahead. Check out our video on goal setting!

2. Automate. Ever have that stomach dropping feeling of...

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Debt Me Outta Here

Uncategorized Oct 29, 2019

Have you received a letter recently telling you that you have ‘persistent debt’? This can be especially alarming if you don’t think that you’re in debt. If you’re like us and haven’t heard of the term before, ‘persistent debt’ refers to when you are paying more interest and charges on your credit card than you’ve repaid on the amount borrowed, calculated based on your activity over the last 18 months.

What’s more, having persistent debt can make it more likely that you’ll get into difficulty with debt in the future as minimum payments tend to only cover interest and charges on the debt, or only chip away a very small amount of the balance (StepChange).

So, now’s the best time to get on top of those monthly repayments and really calculate your debt priorities and action plan; this month StepChange Debt Charity are raising awareness about ‘persistent debt’ and how to manage minimum payments, alongside...

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