My Happy Money Journey: money for mid life women with Phoebe Blamey

Buying a home can be overwhelming — especially when life is messy. What if you’re going through a divorce? What if you’ve inherited a property? What if you just don’t know where to start? Enter Antoinette Sagaria, powerhouse Buyer’s Advocate at Entourage Property. In this episode, she reveals how to make smarter, calmer, and far more strategic property decisions — no matter where you’re at on your journey. From first‑time buyers finding their feet, to those starting over after separation, Antoinette takes the emotion out of buying and selling. You’ll learn why having a trusted advocate can save you money, time, and heartache, how to align your expectations with the reality of the market, and why every dollar you invest needs to work harder for you. This one’s an absolute must‑listen for anyone dreaming of financial freedom through property — because buying well is how we build generational wealth. Listen now and get ready to rewrite your own property story. ⏱️ Timestamped Show Notes: [00:00] Introduction & Acknowledgement of Country Welcome to My Happy Money Journey, Phoebe Blamey acknowledges traditional owners and sets the scene for this episode. [01:00] Meet Antoinette Sagaria — Buyer’s Advocate at Entourage Property How Antoinette guides clients through buying, selling, and property management, focusing on making property a holistic part of their life. [03:00] Property & Family Dynamics Antoinette shares her experience with family dynamics, succession planning, and renovations — making sense of inherited properties. [06:00] Property Advice & Finance Why working with a Buyer’s Advocate from the start can save heartbreak down the track, especially in divorce or separation scenarios. [08:00] Setting Realistic Property Expectations How Antoinette helps couples align their ideas about what to buy and where — making sure the search is a match for the market. [10:00] Helping First‑Time Buyers & Divorcing Couples Why guidance is critical when starting fresh after separation, and making sure the next chapter is built on solid financial ground. [14:00] The Role of Property in Generational Wealth Buying for long‑term stability, making smart decisions about inherited properties, and looking at the bigger picture of family wealth. [18:00] Navigating the Sale of a Family Home Why an expert advocate can save money and reduce stress when splitting a household post‑divorce. [22:00] Property as an Asset You Can Control How to balance emotion and financial reality when making big decisions about the family home or inherited property. [26:00] The Importance of Tailored Property Advice Buying interstate versus in Victoria, making confident decisions, and knowing when and why you might diversify your investments. [29:00] Final Thoughts and Best Advice Why a trusted team of professionals gives you the confidence to create long‑term, generational wealth and a happy money journey.   About Antionette: With over 20 years of Australian property experience to her name, Antoinette Sagaria brings a level of insight, dedication and an enviable business network in support of her clients. Antoinette’s success comes from her intrinsic ability to cultivate and nurture relationships. Successfully advising both buyers and vendors, home seekers and investors, from first time buyers to astute high net worth individuals and family groups, Antoinette has significant experience in all areas of the property market. Whether many years later or immediately after the fact, Antoinette’s clients see her as a source of valuable property advice. Antoinette has a profound knowledge and interest in architecture, building and construction which has proved invaluable to clients throughout their property journey.   www.linkedin.com/in/antoinette-sagaria-6344463a https://www.instagram.com/antoinette_sagaria/ www.entourage.com.au     #BuyingProperty #BuyersAdvocate #FinancialFreedom #PropertyInvestment #PropertyAdvice #DivorceAndProperty #FirstTimeBuyer #InvestmentProperty #WealthBuilding #HappyMoneyJourney #WomenAndWealth #PropertyTips #AustralianProperty #FinancialEducation #RealEstate

Description: In this empowering episode of My Happy Money Journey, Phoebe gets raw and real about debt—and how to break free from it without sacrificing your sanity, dignity, or your weekly catch-up with the girls. We’re talking credit cards, buy-now-pay-later traps, personal loans, and the sneaky shame that rides shotgun with them. If you’ve ever shoved a credit card bill in a drawer and hoped for the best—this one’s for you. You’ll learn: Why debt is not a character flaw (and you’re not broken) The #1 thing to do before you pay off a single cent Avalanche vs. Snowball strategies—and how to pick what suits YOU How to cut spending without killing your joy Why a financial safety net is your best defence against falling back in Resources: Download the FREE Debt Clarity Worksheet Join the Happy Honeys Facebook Group Check out the Spend Cleanse and upcoming Debt Destruction course Listen to last week’s guest Bonnie Lee on EFT for financial healing Quote of the Episode: “Debt is not your personality—it’s just a situation. And it’s one we can handle, together.” Subscribe & Share: If this episode helped you feel more empowered around money, share it with a woman who needs it. Debt is temporary. You are a force of nature.

Hey you! Welcome to this weeks episode of the Happy Money Journey. In this episode we are going to show you how to own your habits! There are so many things we repeat every day that don't align with our values...Come with us as we deep dive into some common habits that we learnt on our own happy money journey and now we want to share them with you! Do you ever find yourself mindlessly scrolling and ordering take away because you have fooled yourself into thinking its more convenient or quicker than doing it yourself? Its these small daily habits that add up to be a lot of money over time....but are we really receiving joy from these things? We are not saying don't do it - we are just saying make it special! If you want to turn the joyless and expensive habits we create into positive and productive habits listen in!!! And here are some great links to things we chat about in the poddy...enjoy your journey!! James Clear: https://jamesclear.com/ Suze Orman:  https://www.suzeorman.com

In this week's podcast episode, we dive into the impact loneliness has on our spending behaviours. We talk about the difference between fitting in and belonging, the concept of the "third place" and how finding our tribe can help us navigate these overwhelming feelings of disconnection and loneliness. Watch this episode for more valuable insights and practical tips on overcoming loneliness and aligning your spending with your values. Let's get moving on our Happy Money Journey and spread the message of finding joy and purpose in our financial decisions. Stay tuned for more empowering episodes like this one, on the Happy Money Journey ! Watch the Brene Brown interview with Oprah here: https://www.youtube.com/watch?v=5RsPjFnNdw4 Enjoy the journey and have a fantastic week ahead! #HappyMoneyJourney #PodcastEpisode #Loneliness #SpendingHabit

Feeling overwhelmed by your wardrobe and wallet? Phoebe shares her top tips for a wardrobe cleanse, helping you find joy in what you wear and simplify your choices and it doesn't stop there! Phoebe also discusses the importance of decluttering your finances. From cancelling unused subscriptions to organizing your paperwork, she guides you through the process step by step. By applying the principles of minimalism to both your wardrobe and finances, you can create space for abundance and gratitude in your life. Download our workbook to help you check off those simple tasks that seem never-ending and get on top of your wardrobe and wallet with Phoebe. CLICK HERE: https://www.happymoneyjourney.com.au/... Listen to the full episode on your favourite podcast platform and let's make this journey towards financial abundance a joyful one. See you there! #HappyMoneyJourney #declutteryourlife #financialfreedom

As the host of this podcast episode, I discussed the importance of taking action when dealing with debt, rather than focusing solely on mindset. I highlighted three key ways to get out of debt and regain control of finances. Firstly, it's crucial to know oneself and set boundaries around debt to avoid falling into the same patterns. Secondly, taking responsibility and seeking help from financial institutions or counselors is essential. Lastly, creating a solid plan for the future and identifying personal needs to feel wealthy and in control is key. By implementing these steps, listeners can start their journey towards financial freedom and self-care. Join our mini money makeover for more guidance, and remember to enjoy the journey towards financial well-being. Check out the video and worksheet now online at kajabi (LINK IN BIO) and GET ONTOP OF YOUR DEBT!

Welcome to the Happy Money Journey podcast with Phoebe Blamey! In this episode, Phoebe dives into the trends facing small businesses in 2024. From the impact of technology and AI to the importance of environmental consciousness, Phoebe shares valuable insights and tips for navigating the ever-changing business landscape. Tune in to gain valuable knowledge and practical advice for your small business journey.  Stay informed, stay engaged, and stay tuned for more episodes of the Happy Money Journey podcast! Follow us on socials at Happy Money Journey and connect with Phoebe Blamey on LinkedIn. Join us next week for another insightful episode. Let's embark on this journey together towards financial success and happiness!

The holiday season has a way of turning the volume up on everything, especially money. Suddenly you’re spending more time with family than usual, old dynamics are bubbling up, and money starts to feel heavier. Conversations that normally roll off your back hit differently. You might feel judged, defensive, small, resentful, or weirdly emotional about things you thought you’d already dealt with. That’s because money is never just money - especially in families. Money is safety. Money is power. Money is love, shame, obligation, history. And the holidays press every single button. In this episode, we unpack why family gatherings magnify money stress and how your early money wounds shape the way you react, not just to spending, but to expectations, comparison, and unspoken tension. You’ll learn how the four core money wounds show up in families during the holidays: • Scarcity — the hyper-responsible one who feels like money could disappear at any moment • Worth — the status-seeker who spends big to feel enough • Shame — the avoider who hopes money will sort itself out later • Neglect — the one who hands money decisions to others and feels overwhelmed by it all You’ll start to recognise these patterns not just in yourself but around the table. Most importantly, this episode isn’t about fixing anyone or starting heavy conversations over Christmas lunch. It’s about awareness. Because when you understand what’s really going on, you stop taking everything personally. You get to keep your peace. You’ll walk away with practical ways to regulate your nervous system, set quiet boundaries, and step out of old patterns  so you can move through the holiday season grounded, clear, and fully yourself. In this episode we dioscuss whyt you are not broken or bad with money, you are responding exactly as you learned to survive. And once you understand that, you get choice. If this episode resonates, head to the website to download the Money Mindfulness workbook or take the Money Types quiz (find it on our website at phoebeblamey.com.au and remember: understanding money gives you language, and language gives you power.

This week’s episode is basically a Christmas ornament box full of truth bombs: sparkly, slightly chaotic, and filled with things you forgot you put away years ago… until you open it and go, “Oh damn, there’s my dream.” Phoebe dives into the messy, magical moment she realised she has stepped into the life she dreamed of five years ago — without even noticing it happening. Hosting the founding round of the Million Dollar Conspiracy, surrounded by powerhouse business women, she had that rare, spine-tingling moment where past-you and present-you finally high-five across the timeline. But this isn’t really an episode about manifestation (although she absolutely manifested the pants off this). It’s about desire. It’s about honouring the dream you keep trying to ignore because life feels like one long “everything everywhere all at once” montage, complete with end-of-year glitter and emotional whiplash. Phoebe breaks down: Why your side hustle matters more than you want to admit Why ignoring your dream doesn’t make it polite — it makes it loud Why your future self is already living the life you want, waiting for you to catch up How giving your dream a notebook, a folder, a Sunday morning ritual can change the whole direction of your life Why beginning badly is still infinitely better than not beginning The brutal but freeing truth about competing commitments (yes, binge-watching is a commitment) Why ideas don’t disappear — they get adopted by someone else if you don’t claim them And the tiny, brave, rebellious move you need to make this week This is your invitation to stop half-assing your dreams. Because the life you want won’t arrive when everything is quiet and calm and aligned. It arrives when you decide you’re done waiting for clarity… and you take the first step anyway. Your future self is pouring the champagne. She’s already there. She’s waiting.

Christmas  is not a Hallmark movie. It’s three family lunches in one day, a group chat on fire, 47 “last chance” sales emails, and somehow you’ve become the caterer, the Uber driver, the therapist and the bank. Again. In this pre Christmas episode we are talking about the pressure cooker that is the holiday season – and how you can do it differently. We expolore how old family roles, money wounds and expectations collide in December, and gives you a practical, grounded plan to protect your money, your energy and your future without turning into the Grinch. Inside this episode, you’ll hear about: What really sits underneath the family fights, money tension and silent resentment at Christmas How financial pressure, “helping out” and unequal treatment between siblings can turn into full-blown money wounds Why adults don’t need another useless gift, and how to shift from performative spending to meaningful, low-cost giving How to stop being the unpaid Christmas project manager and start sharing the emotional, financial and practical load A simple Christmas money plan you can map out in ten minutes so you don’t roll into January broke, exhausted and furious This episode is your permission slip to say no, set limits and build a Christmas that works for you too – not just everyone else. If you’ve been working on your money this year, this is where you hold the line. Because you are not the family ATM. You are not the default caterer and clean-up crew. You are a woman in midlife building real wealth, and that includes how you handle December.  

OK so you are not a numbers person - I can show you how to start making some good money decisions anyway! Welcome to the leading money podcast for mid life women in Australia. This week we dig deep into money myths, why a move into your divine feminine might feel like you are NOT doing better with your money, how not knowing can be dangerous and what are the three steps you can take right now to understand your finances. If you are a mid life woman looking for financial freedom, start here! Important links If you want to jump into Frances Pratt's Sales Success Workshop click here Forest Superfoods Happy Money Journey Membership

It’s finally here… the financial Olympics of the year. Black Friday to Cyber Monday is loud, chaotic, tempting, and honestly? It can be BRILLIANT — if you shop with strategy instead of spiralling. In this episode, I’m breaking down the psychology behind the sales, how retailers use scarcity + urgency to make us overspend, and why midlife women are uniquely targeted (and uniquely powerful when we shop intentionally). We cover: Why your brain goes wild during sales How identity buying creeps in (hello, future self fantasies) Why Australian women are conditioned to “only buy on sale” Emotional spending in November — and how to stop it in its tracks The real-life system for getting what you actually want The best hacks for Black Friday through Cyber Monday How to avoid the Afterpay hangover What small businesses need from us And how to walk out of the sales feeling empowered, not regretful This is your no-guilt, no-shame guide to spending with intention, clarity, and agency. Because when you shop intentionally, you’re not just buying things — you’re building trust with yourself. LINKS: Join the Happy Money Membership (founding member offer) Forest Superfoods offer  Follow Phoebe on Instagram (@thehappymoneyjourney) Join the Happy Honeys Facebook group If you enjoyed this episode: Leave a review, share it with a friend, and tag me — I love hearing how you’re navigating these sales with confidence and clarity.

There are four steps to financial freedom and none of them involve being good! Today, on Australia's leading money podcast for mid life women let’s bust a myth. There is no right way to do money. The only right way is the one that fits your life, your experiences, and your dreams. We’ve been told for too long that money follows a straight path: get a job, buy a house, build a portfolio, retire. But life doesn’t work that way and neither does your money. This episode takes you inside your Money Matrix a model for how money actually moves through your life: Stability, Security, Growth, and Freedom. It’s emotional, practical, and energetic. It flows with you, not against you. And most importantly? You get to decide to be wealthy. Because wealth isn’t greed. It’s liberation. It’s your power, your safety, your legacy  and the foundation for the impact you want to make in your family, community, and the world. A wealthy woman with a conscience is the patriarchy’s worst nightmare. Wealth isn’t about survival - it’s about sovereignty. When women have wealth, families thrive, communities change, and the world begins to heal. So start your journey here!  Links & Resources: Join the Happy Honeys Facebook Group for free weekly lives and coaching Support Forest Superfoods support us! 

Imagine waking up one morning and actually feeling in control of your money. No more dread when you open your banking app — just calm, confident clarity. This episode is your invitation to get there. Phoebe takes you through the three big phases of transformation: Reclaim, Redefine, Rebuild. You’ll uncover the hidden stories and cultural conditioning that keep women stuck in financial fear and start rewriting your script for wealth, freedom, and choice. From the myths we’ve been told (“money isn’t for women”) to the practical systems that build confidence (cash buffers, multiple revenue streams, vision boards, and money dates), this episode is your roadmap out of scarcity and into freedom. By the end, you’ll have: Clarity about what you truly believe about money Courage to change it Confidence to take the next step Listen if: You’re a woman over 40 ready to stop waiting for perfect conditions and start building financial independence — your way. Resources Mentioned: Forest Superfoods  30 Day Spending Cleanse (like a juice fast for your money!) Business Builder 1:1 Coaching Know your spending type QUIZ 

There seem to be two seperate camps when it comes to money coaches...some are all about healing your inner child so you can manifest the life of your dreams, and the others are all savings jars, spreadsheets and budget planners. I don't think you can do one without the other! Even the gurus check their bank accounts, and if they don't then what will they do when they manifest their millions?  In this episode of My Happy Money Journey, Phoebe Blamey dives into why mindset work and manifesting are powerful… but not the whole game. There are your habits and systems as well, and we need to put it all together for the greater good. Because when we get our act together with our money it sets us free!  What we cover: Why manifestation alone won’t save your bank account Money wounds and how they can silently sabotage success The systems wealthy women use behind closed doors One small step you can take today to build confidence with money How to turn fear into financial momentum If you’re ready to stop hoping for money and start inviting it in with clarity and confidence this one’s for you. Looking for clarity in business? Book a call  Don't forget we have the spend cleanse going strong! Thanks to the wonderful peeps at Forest Super Foods for their amazing product; here is your link

This week we are rebooting one of your favorite episodes.  Here is to the financial Febfast you can take anytime!! Here is a link to the 30 Day Spend Cleanse course designed for you to kick the low value spending habits and bring in some money joy!! Financial FebFast: A Spend Cleanse for a Mindful Money Reset thank you to our sponsors at Entourage: https://entourage.com.au/ Ever wonder where your money disappears each month? Struggling with rising costs and wanting to break free from impulse spending? In this episode, I’m sharing my journey through Financial FebFast, a simple but powerful spend cleanse designed to reset your money habits. Think of it like a juice fast for your finances—not about restriction, but about cutting out spending habits that no longer serve you and making space for what truly brings joy. Inspired by the "Buy Nothing New" challenge nearly a decade ago, this has now become an annual tradition—and this year, I’m inviting you to join us. A spend cleanse is the perfect financial reset, and I’ll guide you through: ✔ Setting a timeframe that works for you ✔ Defining what’s essential vs. what’s just a habit ✔ Identifying and tackling your spending triggers ✔ Finding creative, free alternatives to spending ✔ Tracking your progress and reflecting on what truly matters This isn’t about deprivation it’s about intentionality. If you’re ready to spend smarter, save more, and find joy in what you already have, let’s do this together! 🔹 Listen now and take the first step toward your financial reset! 🔹 Give the quiz a go here and find your spending type & subscribe for more mindful money tips on the podcast & YouTube #MyHappyMoneyJourney #MindfulSpending #SpendCleanse #FinancialWellness #midlife #women #money

This is my very own story. It took me to sort my money out. I hid from it, I impulse shopped, I did a ton of low value spending...I never looked at my account unless I was transferring money at the checkout after my card declined. I did ALL the dumb things. and then I made a shift...and today I am sharing that with you. I’m bringing it all together. This isn’t just about spreadsheets or financial hacks.  It's three shifts (in no particular order) that changed my life and my money: The Emotional Shift  moving from shame and fear into ownership and power. The Practical Shift  building real systems, plugging leaks, creating cash cushions, and getting debt under control. The Identity Shift moving from “I’m hopeless with money” to “I know exactly where my money’s going.” Because money isn’t about more stuff — it’s about more life. It’s the last episode of the season, and I want to start with a huge thank you. This year we’ve covered it all: from emergency funds and sexually transmitted debt, to investing, boundaries, divorce, and even how to bring a little adventure into our money lives. And while this is the last episode of the season, we’re not done yet. Keep an ear out for my limited series Women Talk Wealth, coming soon. Because of you, My Happy Money Journey has become one of Australia’s leading podcasts for women over 40. I’m deeply grateful for your time, your ears, and your trust. Try it yourself on our spend cleanse: LINK HERE Join us in the facebook group HERE Thanks to our sponsors  Entourage Finance and Property www.entourage.com.au Forrest Superfoods LINK HERE  

You know that money thing you know you should be doing, but somehow you never get around to? Yep today we are building your emergency fund. In this episode I am going to show you how to save like a squirrel hoarding nuts for winter. This is your money, your financial freedom and possibly you FU fund.  Whatever you call it, it is more than just a pile of cash. It’s peace of mind. It’s freedom. It's the stash that lets you walk away from a job, relationship, or situation that no longer serves you. So why do we put off getting started? Today we are taking a deep dive into money and the mindset around that question. We’ll cover: Why money slips through our fingers (and how to stop it) The difference between a cash cushion and a true emergency fund How to identify your money blocks and move through them Practical ways to build it even if you only have small amounts By the end, you’ll have both the woo woo and the practical tools to start building your emergency fund Share your milestone with me in the Happy Honeys Facebook group or on socials! Let’s celebrate together. Need more than gentle words of encouragement? Hop onto the spend cleanse LINK TO SPEND CLEANSE Links Entourage Finance & Property – learn more at LINK TO MUSHROOM GOODNESS Disclaimer: The information in this podcast is general in nature. Please seek advice from a qualified professional who understands your personal circumstances before making significant financial decisions.

🔥 5 Habits to Build Financial Confidence (That Aren’t Budgeting B.S.) If you’re done living pay-to-pay, done people-pleasing with your wallet, and absolutely DONE playing small with your money  this episode is your wake-up call. Phoebe breaks down the five everyday habits that help you rebuild confidence, rewire your money mindset, and create rituals that lead to unapologetic wealth. From building your Bye-Bye Buffer to investing with flow, this episode will have you rethinking what it means to feel “safe” with money  and exactly how to get there. What You’ll Learn: Why mindset work without habits is just expensive journaling How to identify and replace low-value spending habits What a Cash Cushion is (and how to build one FAST) Why every woman needs a Bye-Bye Buffer and how to set it up using round-up or micro-investment apps How to get your money out of stagnation and into flow How to add one “rich girl” ritual a week even on a budget Mentioned in this episode: The 30-Day Spend Cleanse Calendar (Free Tool!) Micro-investing apps like Raiz, Spaceship, WeMoney, Up Links + Resources: 💸 Download the FREE 30-Day Spend Cleanse Calendar → Click Here 🎓 Join the 30-Day Spend Cleanse Course → Find out more here 💬 Come chat in the Happy Honeys Facebook Group → Join Us 🍄‍🟫Forest Superfoods Find out more 🙋‍♀️Entourage Link  Connect with Phoebe: Instagram: https://www.instagram.com/thehappymoneyjourney/ TikTok: Phoebe Blamey Website: www.myphoebeblamey.com.au

Today we’re diving into a different kind of STD… one that spreads through love, trust, and silence: sexually transmitted debt. This can look like a romance scam, on the other hand it can also look like the thing we just do in a relationship.  Today I want to bust the money myth that we need to go along with what our significant other is doing in their business, that its somehow our responsibility to support our new partner and how to spot the signs that an STD might be coming your way...I also want to talk about how to support a friend experiencing an STD. Its something I have done wrong but I want to share the learning from that mistake. Silence is expensive. Talking about money can save you thousands of dollars and a whole lot of heartache. In this episode: Melanie’s story – how one woman’s $40,000 loan for her dream man turned into five years of debt and heartbreak. The emotional manipulation playbook – love bombing, gaslighting, guilt trips, and why smart women fall for these traps. The psychology of money & love – how our brains are wired to trust, to hope, and how spotting it can help us change. Why we ignore red flags – even when our friends are shouting at us about it How to protect yourself – from keeping your own bank account, to spotting red flags, to setting boundaries that keep you and your money safe. Key takeaway: Being vulnerable with money doesn’t mean you’re weak  it means you’re human. The solution isn’t to hide all alone with your shame. You can build skills, safety nets, and support systems. Protecting your assets is smart. Saying no is really hard but you are not alone. . Resources & Support WIRE (Women’s Information and Referral Exchange, VIC) – Your invitation is here Build your own financial literacy with the 30 Day Spend Cleanse, find out more