The Financial Wellbeing Podcast

Episode 96 – Interview with Reverend Richard Coles The guys sit down with Reverend Richard Coles, a musician, writer, broadcaster and Anglican priest. Exploring his relationship with money, Richard shares his insights and experiences in a candid and thought-provoking interview. Come and enjoy this excellent episode . . . Welcomes & Introductions The origins of Financial WellbeingCome and talk with the podcast’s sponsor Ovation FinanceChris Budd’s new vinyl business! What’s on todays podcast? The Reverend Richard Coles talks about his own relationship with money, what it was like to come into lots of money when young and what Christianity has to say about our relationship between money and happiness No shizzle Sherlock Don’t look for the needle in the haystack, just buy the haystack. Jack Bogle of Vanguard An explanation of index funds from Chartered Financial Planner Tom Morris to back this quote up. #TightAssTommo Pay for gym membership yearly – thank you Vivian Webster. Pay annually for something you are going to use annuallyTalk to your providers, don’t just accept the auto renewal price – just asking can get you a discountUpgrade your train ticket to first class with seatfrog.com – thank you Rohan Sivajoti Interview with Reverend Richard Coles Relationship with money when young How downscaling at a young age shaped attitude to money It’s better not to feel want Enjoying the finer things in life Money has always been in the pocket to buy stuff with – attitude is now changing due to age, experience and religion Mirror of his fathers experience Unifying principles around money in religions around the world? Money has a limited effectiveness in what is can do for us The nourishment of flying business class and how we need to be careful of this! You never see an unhappy Buddhist monk Tricked in paying into pension Its not the owning of the money, its what you do with it that matters What are the positive lessons we can take from Christianity We don’t own stuff, we are custodians Conclusions from the guys Reverend Richard Coles is a former Church of England parish priest, broadcaster famous for BBC Radio 4’s Saturday Live and a best-selling author. Follow Richard on Twitter @RevRichardColespurchase a copy of his latest book – Murder Before Evensong

Episode 95 -Mastering Your Money with Paul Lewis We talk with special guest, financial journalist and presenter of BBC Radio 4’s Money Box, Paul Lewis. In this episode, we delve into Paul’s new book “Money Box” and he provides some top personal finance tips. So sit back, relax, and enjoy this fascinating conversation with one of the most respected financial experts in the country. Welcomes & Introductions Featuring; garden birds / a shameless plug to Ovation Finance / an update on Chris Budd’s new book What is todays podcast all about? Talking to BBC Money Box presenter Paul Lewis about practical money tips we can all use. With over 30 years of experience in the industry, Paul has become a leading voice in personal finance, providing valuable insights and advice to millions of people across the UK. No Shizzle Sherlock The biggest risk of all is not taking oneMelody Hobson Whilst the guys may be sitting on the fence with this No Shizzle Sherlock, you can have a listen to a previous chat about risk with Neil Bage in episode 36 of the podcast #TightAssTommo Party wine boxesHoliday cruisingBuy and sell through Vinted / sell books through Zaffit Interview with Paul Lewis A chat about his new book Money Box, with practical tips you can use What can we do when we are not feeling ‘in control of our daily finances?’ look at your finances, even if you don’t want to What are the biggest questions around finances right now? cost of living crisisdelays in access to your moneywading through treacle to get issues sorted Connections between money and happiness Does Paul Lewis use a financial planner? what can a financial planner help Paul Lewis with?what makes a good financial planner? What did Paul Lewis learn when writing the book? Dying Tidily Conclusions from the guys Paul Lewis is financial journalist best known for his 30 years presenting BBC Radio 4’s Money Box show. Paul’s new book, Money Box is out now – full of top practical tips to take control of your money for everyone. purchase a copy of the Money Box booklisten to the Money Box radio showfollow Paul on Twitter @Paullewismoney

Episode 94 – Why Wealth is Bad for your Health Can wealth actually have a detrimental effect on our health? The guys explore what makes money so unhealthy, along with sharing some ideas to help create a better relationship with our finances. In addition to the No Shizzle Sherlock and #tightasstommo tips, we also have a little birthday flashback for Producer Tommo! Welcomes & Introductions Washing fox poop off Luna the westieNew year fitness challengeBirthday flashbacksUpdate on Chris’ latest book No Shizzle Sherlock “The only thing we know for certain about our plan for the future, is that it is going to be wrong” Carl Richards Link to episode 15 – Redefining Goals with Carl RichardsLink to episode 19 – Financial Entertainment with Carl Richards TightAssTommo A tribute to Paul Etheridge, from Clive Waller – “agree to give a talk on an unfamiliar subject six months ahead and you will become an expert when you come to do the talk!” Paying annually or monthly for items such as insurance? Try and pay the annual lump sum as it will be cheaper than paying monthly over the 12 month period. Today’s Topic – Stress is bad for our health: money is stressful. Ergo, money is bad for our health Why is stress bad for our health? Integrative medicineThe parallel between western medicine and most financial advisersLink to watch the Killer T Cell video Why is money so stressful? The question ‘how much is enough’ How cash flow planning helps Comparison theory The history of personal finance Our brains inability to picture our future selves What can we do about money being bad for our health? Take the time to think about your relationship to moneyGet the help of a financial planner, one who at the very least does cashflow forecastingPlug alert – have they undertaken the Financial Wellbeing Certificate from the Institute of Financial Wellbeing Conclusions from the guys Getting a better relationship with money therefore, should involve talking to an expert: understanding what makes you happy; if you have behaviours working against you; any self-limiting beliefs to create a financial plan to make you happier not just wealthier. If you would like to purchase a copy of The Financial Wellbeing Book please click on this link to visit Penny Brohn UK shop If you would like to get in touch with Ovation, click here to visit the website email enquiries@ovationfinance.co.uk or call on 0117 942 4333 Do you have any financial wellbeing questions you would like us to answer? Or do you have a #tightasstommo money saving tip you would like to share with our listeners? If so, let us know by going to Twitter @Finwellbeing or email – contact@financialwell-being.co.uk