Claim OwnershipThe Savvy Wallet Podcast (Formerly The Take Off Experience Podcast)
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Welcome to the The Savvy Wallet Podcast, where I talk to the brightest minds in personal finance, business, health and more.
Episodes released every Monday at 8am GMT on Spotify, Apple Podcasts, Youtube and wherever you listen to your podcasts. Subscribe to be reminded whenever a new episode is released!
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129 Episodes
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Joining us in the booth this week is Norma Cassius who is a Psychotherapist & Money Management Consultant with over 20 years experience in banking and 17 years as a Qualified Psychotherapist. As part of mental health week we wanted to shed a light on the link between money and mental health and what you can do to reduce stress and anxiety when it comes to money. In this episode we discuss:The Psychology of MoneyWhy people stress bout Money & how to combat itThe impact of Debt & Spending on Mental HealthOrganisations that help with DebtThe importance of a BudgetTwo parts of the brain that influences SpendingHow to think like a Bank!Steps you can take today to Build WealthHow to be positive in the Cost of Living Crisis and more!Connect with Norma on her website: https://www.normacassius.comConnect with Norma on Instagram: https://www.instagram.com/think.like.a.bankFollow me on: Instagram - https://www.instagram.com/savvywalletTiktok - https://www.tiktok.com/@savvywalletCheck out: https://www.youtube.com/savvywallet for the video versionSupport this podcast at — https://redcircle.com/the-take-off/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
Joining us in the booth this week is Ella who is a Money Expert & Insurance broker.In this episode we discussGood credit conduct vs bad credit conductThe pro’s of good credit and the con’s of bad creditCommon ways people default on their credit accountsHow to check your credit score for FREEHow to avoid paying lenders interestLeveraging credit for your benefit & to make moneyTips to stay disciplined when using credit cardsConsequences of missing payments, defaults, CCJ’sHow to get rid of a CCJ3 ways to improve your credit score/report an much more!Connect with Ella on Instagram here: https://www.instagram.com/ellaensuresConnect with Ella through her website here: https://ellaensures.co.ukFollow me on: Instagram - https://www.instagram.com/savvywalletTiktok - https://www.tiktok.com/@savvywalletCheck out: https://www.youtube.com/savvywallet for the video versionSupport this podcast at — https://redcircle.com/the-take-off/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
Joining us in the booth this week is Dominic, a career expert and commercial contract manager.In this episode we discuss:Why Dominic turned down a training contract from a legal firmHow 9-5ers can increase their income to £100k+ with their existing skillsThe importance of analysing what you want from your careerHow you can build wealth into the millions with your 9-5Why you should and shouldn't pursue a contract roleHow Dominic has been contracting for 5 years even in a tough marketTop Skills & industries that command a high incomeWhy you shouldn't start a random side hustle but instead utilise your existing skillsThe importance of building a network in your career and much moreConnect with Dom on Instagram here - https://www.instagram.com/soambitiousdomConnect with Dom on TikTok here - https://www.tiktok.com/@soambitiousdommCheck out Dom's newsletter the Career Guard here - https://thecareerguard.com/subscribeFollow me on: Instagram - https://www.instagram.com/savvywalletTiktok - https://www.tiktok.com/@savvywalletCheck out: https://www.youtube.com/savvywallet for the video versionSupport this podcast at — https://redcircle.com/the-take-off/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
Hey all,Ats here! After careful consideration I've decided to rebrand 'The Take Off Experience' to "The Savvy Wallet Podcast".Aside from the name and artwork change, everything else will stay the same, We will still have the same authentic, relatable, inclusive conversations with great people! The Savvy Wallet podcast will begin with EP. 120 and will be published tomorrow at 8am GMT!Thanks for all your support! It's so appreciated!AtsSupport this podcast at — https://redcircle.com/the-take-off/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
Joining us back in the booth is life & health insurance expert, Emmanuel Jones aka Ejay.In this episode we discuss:The key benefits of health insurance, income protection & critical illness coverThe importance of checking benefits you get with your employerShould you get health/critical illness insurance if you have it through work?Health insurance vs critical illness cover vs income protectionTypical costs for health insurance & critical illness coverInsurance companies really wanting to pay out money to youThe most importance insurance to protect yourselfThe importance of financial literacy at schoolsWhat is life insurance in a trust and why you would do this and much more!Connect with Ejay on Instagram here -https://www.instagram.com/ejay_diamond1Connect with Ejay on TikTok here -https://www.tiktok.com/@moneysavingdadFollow me on: Instagram - https://www.instagram.com/savvywalletTiktok - https://www.tiktok.com/@savvywalletCheck out: https://www.youtube.com/savvywallet for the video versionSupport this podcast at — https://redcircle.com/the-take-off/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
This episode is sponsored by Unbiased a platform that connects you easily and quickly with over 27,000 FCA regulated financial advisors, accountants and mortgage brokers.Connect with a financial advisor for FREE by visiting Unbiased here: https://www.unbiased.co.uk/savvywalletJoining us in the booth this week is Zee who is a chartered accountant and EX-KPMG auditor.In this episode we discuss:- How Zee became an accountant accidentally- Why accounting is the plumbing of a business- Why people on £60,000 are struggling!- Tips to weather the cost of living crisis- Why it’s important to engage with your local government- Possible solutions to the cost of living crisis- How the wealthy pay less tax!- What are our taxes used for?- Is our tax money being used efficiently ?- How to save taxes with your 9-5?- The pro’s and con’s of capitalism and much moreConnect with Zee on Instagram here - https://www.instagram.com/thereluctantaccountantConnect with Zee on TikTok here -https://www.tiktok.com/@thereluctantaccountantFollow me on: Instagram and TiktokCheck out: https://www.youtube.com/savvywallet for the video versionSupport this podcast at — https://redcircle.com/the-take-off/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
This episode is sponsored by Unbiased a platform that connects you easily and quickly with over 27,000 FCA regulated financial advisors, accountants and mortgage brokers. Connect with a financial advisor for FREE by visiting Unbiased here: https://www.unbiased.co.uk/savvywallet*NOTE: As of April 2024 the Full UK State Pension has increased to £11,502*Joining us in the booth this week is Godfrey Asare, a FCA regulated financial advisor.In this episode we discuss:Why Godfrey decided to become a financial advisorMoney lessons that he learnt from himself The difference between State pension, company pensions and private pensionsIs it worth getting a private pension if you have a company pension?The tax benefits of having a pension as an employee and business ownerHow much you can put into a pension before you lose tax benefitsReasons why you shouldn’t solely rely on the state pensionHow contributing to a pension can help you with child tax benefitsThe minimum age you can get the state pension & your company/private pensionThoughts on whether the state and private pension age may increase in the future and much moreConnect with Godfrey on Linkedin hereConnect with Godfrey through his website hereFollow me on: Instagram and TiktokCheck out: https://www.youtube.com/savvywallet for the video versionSupport this podcast at — https://redcircle.com/the-take-off/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
Joining us in the booth this week is Joseph Obeng, a qualified financial advisor with over 11 years in the financial services industry.In this episode we discuss:- Why making more money won't necessarily make you more wealthy!- What true wealth is and steps to achieve it- Why you need to 'design your life'- Identifying your relationship with money- The importance of good money allocation and tips to allocate your money better- Good debt vs bad debt- How to build wealth with your 9-5- Money and non-money lessons Joseph learnt from his clients and much moreFollow Joseph on Instagram hereGet a copy of Joseph's book hereFollow me on: Instagram and TiktokCheck out: https://www.youtube.com/savvywallet for the video versionSupport this podcast at — https://redcircle.com/the-take-off/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
Joining us in the booth this week is Sophia, who is a Medical Herbalist & qualified Endobiogenic Practitioner.In this episode we discuss:- What is herbal medicine?- The differences between herbal medicine and traditional medicine?- The pro's and cons of herbal medicine- Why people are scared of herbal medicine- How herbal medicine can help with stress and sleep- Can herbal medicine actually cure you?- The pillars of health- What is Endobiogenic Medicine and much more!Follow Sophia on Instagram hereFollow me on: Instagram and TiktokCheck out: https://www.youtube.com/savvywallet for the video versionSupport this podcast at — https://redcircle.com/the-take-off/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
Joining us in the booth this week is Kazy, an experienced property developer and property investor with over 10 years experience in the property industry and Alfred Dzadey a property investor with a £4 million + property portfolio.In this episode we discuss:Is deal sourcing the best place to start in property?Rent to rent doesn’t offer financial freedom! Only the top 1% of rent to renters make real money?!Only the top 1% are successful in raising money?!Steps to investing into propertyProperty Flipping vs HMO investingSpring Budget impact on propertyPredictions for property in 2024 and much more!Follow Kazy on Instagram hereFollow Alfred hereFollow me on: Instagram and TiktokCheck out: https://www.youtube.com/savvywallet for the video versionSupport this podcast at — https://redcircle.com/the-take-off/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
Joining us in the booth this week is Adelle Thompson a HR & Recruitment expert with over 13 years experience in the industry.In this episode we discuss:- How Adelle transitioned from Teaching to Recruitment- Steps to change careers- Rules for answering what are your salary expectations!- Does prior salary have an impact on future salary- Things to avoid saying in a job interview…!- Negotiating your salary, annual leave & more!- What companies are looking for in your CV & Interviews- How to get a pay rise within 6 months of a new role and more!Follow Adelle on Instagram hereFollow me on: Instagram and TiktokCheck out: https://www.youtube.com/savvywallet for the video versionSupport this podcast at — https://redcircle.com/the-take-off/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
Joining us in the booth this week is Crosby Enninful a chartered FCCA accountant with over 12 years experience and founder of Egbenn Accountancy Services which he has been running for 5 years.In this episode we discuss:- The importance of being strategic with your career- Why you should value learning skills over money- How Crosby went from £18,000 to over six figures- 4 habits you need to adopt to help you build wealth- Creating an automated system around your money- How to not let your budget diminish your quality of life- How to avoid lifestyle inflation- The importance of passive income and the dangers if you don’t have one- People being good at creating wealth but not preserving it and much moreFollow Crosby on Instagram hereFollow me on: Instagram and TiktokCheck out: https://www.youtube.com/savvywallet for the video versionSupport this podcast at — https://redcircle.com/the-take-off/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
Joining us in the booth this week is Kazy, an experienced property developer and property investor with over 10 years experience in the property industry. In this episode we discuss:The importance of balance in your lifeThe impact of chasing successDoing business in Dubai with companies like Coach and SephoraRental market in London being strongBuying 4 properties from auction in FebHow long a typical property flip takesBest property strategies for 20243 Legal changes that have money making potential with property and much moreFollow Kazy on Instagram hereFollow me on: Instagram , Tiktok, TwitterCheck out: https://www.youtube.com/savvywallet for the video versionSupport this podcast at — https://redcircle.com/the-take-off/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
Joining us in the booth this week is Benedicta Egbeme, who is a CIMA Qualified Accountant, Management Consultant and Business Finance Coach.In this episode we discuss:- The income tax allowance- How much you get taxed and at what salary- The UK Tax system incentivising business owners- Government getting rid of the dividend allowance- How employees can reduce their tax liabilities- The impact of the income tax allowance being frozen till 2028- What to do once you've received your tax code- HMRC targeting people with side hustles and much moreFollow Benedicta on Instagram hereFollow me on: Instagram , Tiktok, TwitterCheck out: https://www.youtube.com/savvywallet for the video versionSupport this podcast at — https://redcircle.com/the-take-off/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
Joining us in the booth this week is Maya Saffron, who is a technical architect and founder of the maya’s minutes podcast.In this episode we discuss: The differences between growing up in East London vs North LondonWhy going to Uni isn’t essentialWhy she became a PT and quit that to get into TechThe exact steps of how Maya got a tech role without a uni degreePro’s and cons of working in the tech industryNavigating the tech industry as a womanMost valuable tech skills to learn in 2024 (with salaries)Tips on how you can land your next tech role The future of the tech industry and much moreFollow Maya on InstagramFollow me on: Instagram , Tiktok, TwitterCheck out: https://www.youtube.com/savvywallet for the video versionSupport this podcast at — https://redcircle.com/the-take-off/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
The podcast will be on a short break and will resume on the 12th February. Thanks for your patience.AtoSupport this podcast at — https://redcircle.com/the-take-off/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
Joining us in the booth this week is David Olusegun, founder of creative control ventures that has partnered with celebrities like Krept & Sasha to launch Nala’s Baby Skincare and Aitch to launch Syps. David has worked at the likes of Warner Music, MTV, Nickelodeon, Kobalt Music, HIT entertainment and founded two companies prior to creative control.In this episode we discuss:How South London prepared him for the business worldTravelling opening his eyes to moreLosing out on millions from his first businessWorking for MTV and Hit EntertainmentStarting a record label under Warner Music UKWhy David sold his two businessesWorking with Krept and Sasha on Nala’s Baby SkincareReasons Nala’s baby products sold out within 10 minutesWorking with Aitch on SypsLessons in branding and product all businesses should follow and more!Follow David on Instagram hereFollow me on: Instagram , Tiktok, TwitterCheck out: https://www.youtube.com/savvywallet for the video versionSupport this podcast at — https://redcircle.com/the-take-off/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
Joining us in the booth this week is Antoinette Ale, the founder of Tressly which is a Website builder & booking software for hairstylists.In this episode we discuss:Life growing up in Ghana and the difficult of transitioning to the UKTressly & how it seeks to disrupt the hair industry and support hairstylists to grow their businessWhy getting customer feedback on your product is vital to it's successLessons learnt from doing accelerators with Barclays, Sky & GoogleThe importance of knowing the future of the industryThe decline of the salon modelLack of formal education on diverse hairDebate: Natural hair vs Non-natural hairPro's and con's of having a co-founderHow to stop getting distracted and much more!Follow Antoinette on Instagram hereFollow Tressly on Instagram hereFollow me on: Instagram , Tiktok, TwitterCheck out: https://www.youtube.com/savvywallet for the video versionSupport this podcast at — https://redcircle.com/the-take-off/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
Joining us in the booth this week is Dan Knott, a mortgage advisor who focuses on helping first time buyers get their first home. In this episode we discuss:2023 having the lowest first time buyers in 10 yearsThe average age of a first time buyer in the UKThe 4 questions you should ask yourself before buying propertyWhere mortgage interest rates could go in 2024Should you overpay your mortgage?What to do if you're struggling with mortgage paymentsWhy 5% mortgages might be suitable for youBenefits of the Lifetime ISAGetting property with bad credit and much moreFollow Dan on Instagram hereFollow me on: Instagram , Tiktok, TwitterCheck out: https://www.youtube.com/savvywallet for the video versionSupport this podcast at — https://redcircle.com/the-take-off/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
In this episode we welcome back Amri Celeste, who is a interview coach and recruitment/HR specialist, teaching people how to pass a job interview and secure their dream job. She has worked for the likes of Coca-Cola, Sky and British Airways.In this episode we discuss:The state of the jobs market in the UK in 2024Big tech redundancies in 2023Why salaries are stagnantThe future of remote workingHow AI may impact the job market in the futureThe second best time to apply for a job3 Tips to Land Your Next InterviewFollow Amri on YouTube hereFollow Amri on Instagram hereFollow me on: Instagram , Tiktok, TwitterCheck out: https://www.youtube.com/savvywallet for the video versionSupport this podcast at — https://redcircle.com/the-take-off/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
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