DiscoverThe Money Spot™ - UK Personal Finance
The Money Spot™ - UK Personal Finance
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The Money Spot™ - UK Personal Finance

Author: Heather Katsonga-Woodward

Subscribed: 24Played: 215
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I’m Heather.
A massive personal finance fanatic.
I love to answer people's questions on getting rid of debt, saving, stock market investing, property and retirement.
Subscribe to this podcast if you want to: earn more, save more, invest more and have fun! No episodes in April, August and December - #SchoolHolidays #MumPodcast
26 Episodes
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#26 Harriet asks: Hi Heather, My name’s Harriet. Thanks for the UK-focused personal finance podcast. I feel slightly worried that I don’t have a will because of the covid-19 pandemic. I have children and some assets and I want to go about getting a will in place in the right way, please tell me what I need to think about so I get my will done correctly from the get-go. ​Thanks a mil. Related resource: https://www.katsonga.com/wealthblog/why-you-need-a-will-even-if-you-have-no-assets-or-no-children If you would like to get in touch with Julia to learn more about wills, estate planning and getting your affairs in order, these are her details: Julia Fleetwood julia.fleetwood@twp.co.uk Phone: 0121 472 0644 m.me/Juliathewillwriter (Facebook messenger) www.twp.co.uk Ask me a question: https://www.katsonga.com/coach.html Choose a book: https://www.katsonga.com/my-books.html Support the podcast: In $: https://www.buymeacoffee.com/TheMoneySpot In £: https://www.patreon.com/TheMoneySpot Your way: https://www.paypal.me/katsonga
#25 Kimberley asks: Hi Heather, my name's Kimberley. My husband and I have worked hard to build a financial safety net for our family. We both come from modest backgrounds and weren’t taught much about money so we’ve had to figure everything out on our own and made quite a few mistakes along the way. Do you have any tips we can use to teach our children about managing money so that they make far fewer mistakes than we did? Thank you! B. School: for money-wise, wealth-bound kids: https://bit.ly/3gnX2AA Related resource: https://www.katsonga.com/wealthblog/its-true-you-really-can-raise-money-wise-children-that-generate-wealth-from-a-young-age-here-are-9-tips-on-how-to-do-it Ask me a question: https://www.katsonga.com/coach.html Choose a book: https://www.katsonga.com/my-books.html Support the podcast: In $: https://www.buymeacoffee.com/TheMoneySpot In £: https://www.patreon.com/TheMoneySpot Your way: https://www.paypal.me/katsonga
#24 Tsungi asks: Hey Girl! I’ve been trying to get my cancelled flight to Zimbabwe refunded for a month but haven’t made any progress, do you have any suggestions? Tsungi Related resource: https://www.katsonga.com/wealthblog/qa-how-do-i-get-my-refund-fast Ask me a question: https://www.katsonga.com/coach.html Choose a book: https://payhip.com/themoneyspot Support the podcast: In $: https://www.buymeacoffee.com/TheMoneySpot In £: https://www.patreon.com/TheMoneySpot Your way: https://www.paypal.me/katsonga
Part 5 - In this 5-part series, Mark Katsonga Phiri talks us through his life story during the course of a 4-hour road trip. From the first business that he helped his mother with when he was only 11 years old, to his 7th business which went from 0 to a million dollar business in a year. However, it’s actually his 6th business that gave him the profit to start the 7th that I found the most exciting because it was about to go bankrupt when the decision to advertise it for sale in a newspaper led to a very unexpected turn in the business’s fortunes. Enjoy the series. I hope you find something you can relate to in it. Related resource: https://www.katsonga.com/wealthblog/third-world-poor-to-dollar-millionaire-the-story-of-business-man-mark-katsonga-phiri-my-dad Ask me a question: https://www.katsonga.com/coach.html Choose a book: https://payhip.com/themoneyspot Support the podcast: In $: https://www.buymeacoffee.com/TheMoneySpot In £: https://www.patreon.com/TheMoneySpot Your way: https://www.paypal.me/katsonga
Part 4 - In this 5-part series, Mark Katsonga Phiri talks us through his life story during the course of a 4-hour road trip. From the first business that he helped his mother with when he was only 11 years old, to his 7th business which went from 0 to a million dollar business in a year. However, it’s actually his 6th business that gave him the profit to start the 7th that I found the most exciting because it was about to go bankrupt when the decision to advertise it for sale in a newspaper led to a very unexpected turn in the business’s fortunes. Enjoy the series. I hope you find something you can relate to in it. Related resource: https://www.katsonga.com/wealthblog/third-world-poor-to-dollar-millionaire-the-story-of-business-man-mark-katsonga-phiri-my-dad Ask me a question: https://www.katsonga.com/coach.html Choose a book: https://payhip.com/themoneyspot Support the podcast: In $: https://www.buymeacoffee.com/TheMoneySpot In £: https://www.patreon.com/TheMoneySpot Your way: https://www.paypal.me/katsonga
Part 3 - In this 5-part series, Mark Katsonga Phiri talks us through his life story during the course of a 4-hour road trip. From the first business that he helped his mother with when he was only 11 years old, to his 7th business which went from 0 to a million dollar business in a year. However, it’s actually his 6th business that gave him the profit to start the 7th that I found the most exciting because it was about to go bankrupt when the decision to advertise it for sale in a newspaper led to a very unexpected turn in the business’s fortunes. Enjoy the series. I hope you find something you can relate to in it. Related resource: https://www.katsonga.com/wealthblog/third-world-poor-to-dollar-millionaire-the-story-of-business-man-mark-katsonga-phiri-my-dad Ask me a question: https://www.katsonga.com/coach.html Choose a book: https://payhip.com/themoneyspot Support the podcast: In $: https://www.buymeacoffee.com/TheMoneySpot In £: https://www.patreon.com/TheMoneySpot Your way: https://www.paypal.me/katsonga
Part 2 - In this 5-part series, Mark Katsonga Phiri talks us through his life story during the course of a 4-hour road trip. From the first business that he helped his mother with when he was only 11 years old, to his 7th business which went from 0 to a million dollar business in a year. However, it’s actually his 6th business that gave him the profit to start the 7th that I found the most exciting because it was about to go bankrupt when the decision to advertise it for sale in a newspaper led to a very unexpected turn in the business’s fortunes. Enjoy the series. I hope you find something you can relate to in it. Related resource: https://www.katsonga.com/wealthblog/third-world-poor-to-dollar-millionaire-the-story-of-business-man-mark-katsonga-phiri-my-dad Ask me a question: https://www.katsonga.com/coach.html Choose a book: https://payhip.com/themoneyspot Support the podcast: In $: https://www.buymeacoffee.com/TheMoneySpot In £: https://www.patreon.com/TheMoneySpot Your way: https://www.paypal.me/katsonga
Part 1 - In this 5-part series, Mark Katsonga Phiri talks us through his life story during the course of a 4-hour road trip. From the first business that he helped his mother with when he was only 11 years old, to his 7th business which went from 0 to a million dollar business in a year. However, it’s actually his 6th business that gave him the profit to start the 7th that I found the most exciting because it was about to go bankrupt when the decision to advertise it for sale in a newspaper led to a very unexpected turn in the business’s fortunes. Enjoy the series. I hope you find something you can relate to in it. Related resource: https://www.katsonga.com/wealthblog/third-world-poor-to-dollar-millionaire-the-story-of-business-man-mark-katsonga-phiri-my-dad Ask me a question: https://www.katsonga.com/coach.html Choose a book: https://payhip.com/themoneyspot Support the podcast: In $: https://www.buymeacoffee.com/TheMoneySpot In £: https://www.patreon.com/TheMoneySpot Your way: https://www.paypal.me/katsonga
#18 Miriam asks: Hi Heather Can you do an educational post on Life Insurance? A lot of people in our community still depend on donations when there is a bereavement, I think they’d be surprised to find out how cheap it actually is to get life insurance. Miriam Related resource: https://www.katsonga.com/wealthblog/what-is-life-insurance-how-much-life-insurance-do-i-need Ask me a question: https://www.katsonga.com/coach.html Choose a book: https://payhip.com/themoneyspot Support the podcast: In $: https://www.buymeacoffee.com/TheMoneySpot In £: https://www.patreon.com/TheMoneySpot Your way: https://www.paypal.me/katsonga
#17 Alex asks: Hi Heather! I'm 22 years old and I've been trying to get a good control of my finances. I'm still a student so I don't have a regular income. I've set up a LISA account to save for a house but I'd also like to begin saving for retirement. I've looked everywhere online but nothing seems to explain what different kinds of pensions there are, how to open them and how they work. Please help! Alex Related resource: https://www.katsonga.com/wealthblog/how-do-i-save-into-a-pension-if-am-not-employed-or-self-employed Ask me a question: https://www.katsonga.com/coach.html Choose a book: https://payhip.com/themoneyspot Support the podcast: In $: https://www.buymeacoffee.com/TheMoneySpot In £: https://www.patreon.com/TheMoneySpot Your way: https://www.paypal.me/katsonga
#16 Reena asks: ​Hi Heather,   My name’s Reena, I’d really like to know what my spending looks like relative to the average person, can you do a blog post or podcast episode on that? Thanks. Related resource: https://www.katsonga.com/wealthblog/qa-do-i-spend-more-money-than-the-average-person Ask me a question: https://www.katsonga.com/coach.html Choose a book: https://payhip.com/themoneyspot Support the podcast: In $: https://www.buymeacoffee.com/TheMoneySpot In £: https://www.patreon.com/TheMoneySpot Your way: https://www.paypal.me/katsonga
#15 Sam asks: ​Hi Heather,   My name’s Sam. Can you talk about financial independence and the steps one has to move through to get there? Thanks Related resource: https://www.katsonga.com/wealthblog/qa-what-are-the-different-stages-of-financial-independence Ask me a question: https://www.katsonga.com/coach.html Choose a book: https://payhip.com/themoneyspot Support the podcast: In $: https://www.buymeacoffee.com/TheMoneySpot In £: https://www.patreon.com/TheMoneySpot Your way: https://www.paypal.me/katsonga
#14 Vivienne asks: ​Hi Heather,   Thank you so much for launching your podcast. I am really enjoying all your advice.   My name’s Vivienne. I’m single and in my late 60s. I receive the state pension and find that I struggle to make ends meet – my saving grace is that I own my home outright but I don’t have any other investments outside of that. Although I would like to work because I get lonely sometimes, I lack the energy I used to have in my younger days and certainly I find a full day’s work very exhausting nowadays. Is there anything you can think of that can help me boost my income? Thanks Related resource: https://www.katsonga.com/wealthblog/qa-how-do-i-boost-my-retirement-income-if-i-cant-work Ask me a question: https://www.katsonga.com/coach.html Choose a book: https://payhip.com/themoneyspot Support the podcast: In $: https://www.buymeacoffee.com/TheMoneySpot In £: https://www.patreon.com/TheMoneySpot Your way: https://www.paypal.me/katsonga
#13 Linda asks: ​Hi Heather,   My name’s Linda. I would like to have a comfortable retirement but I am not sure how much money I need to have saved up in order to achieve this goal. I am not particularly extravagant but I do want to be able to afford at least two holidays a year. I additionally don’t have access to a fixed workplace pension so I need to live within the means of my own investments and the state pension. How should I go about working this out?   Thanks Related resource: https://www.katsonga.com/wealthblog/qa-how-much-do-i-need-to-save-for-a-comfortable-retirement Ask me a question: https://www.katsonga.com/coach.html Choose a book: https://payhip.com/themoneyspot Support the podcast: In $: https://www.buymeacoffee.com/TheMoneySpot In £: https://www.patreon.com/TheMoneySpot Your way: https://www.paypal.me/katsonga
#12 Grace asks: ​Hi Heather, My name’s Grace. I recently started investing in stocks and shares and want to know the type of returns I should realistically expect? I’m especially interested in how long it will take for my money to double in value. Thanks Related resource: https://www.katsonga.com/wealthblog/qa-how-long-will-it-take-for-my-shares-to-double-in-value-the-rule-of-72 Ask me a question: https://www.katsonga.com/coach.html Choose a book: https://payhip.com/themoneyspot Support the podcast: In $: https://www.buymeacoffee.com/TheMoneySpot In £: https://www.patreon.com/TheMoneySpot Your way: https://www.paypal.me/katsonga
#11 Nicola asks: Hi Heather, My name’s Nicola. I’m fortunate enough to still have a job right now, most of my friends have lost their jobs and it’s made me realise that if I had lost my job I wouldn’t be able to survive at all. I have no savings, a few debts and spend all my earnings every month. What do I need to start doing, right now, to ensure that by the time the next crisis hits the economy, I would be able to survive regardless of my employment situation? Thanks for all the financial knowledge you share. Related resources: https://www.katsonga.com/wealthblog/what-has-covid-19-revealed-about-ideal-personal-finances-how-can-you-rework-your-finances-to-increase-your-financial-security-in-time-for-the-next-crisis https://www.katsonga.com/wealthblog/qa-i-hate-budgeting-am-i-doomed-to-be-broke Ask me a question: https://www.katsonga.com/coach.html Choose a book: https://payhip.com/themoneyspot Support the podcast: In $: https://www.buymeacoffee.com/TheMoneySpot In £: https://www.patreon.com/TheMoneySpot Your way: https://www.paypal.me/katsonga
#10 Edna asks: ​Hi Heather, My name’s Edna. I was wondering if you could talk about what net worth is? Why it matters and how I can improve my net worth? Thanks. Related resource: https://www.katsonga.com/wealthblog/qa-what-is-financial-net-worth-how-do-i-calculate-my-net-worth-and-improve-it Ask me a question: https://www.katsonga.com/coach.html Choose a book: https://payhip.com/themoneyspot Support the podcast: In $: https://www.buymeacoffee.com/TheMoneySpot In £: https://www.patreon.com/TheMoneySpot Your way: https://www.paypal.me/katsonga
#9 ​Angela asks: Hi Heather, Happy new year! I’m a big fan of yours and have been following you for a while. I bought all your three books. I would like to open a stocks and shares ISA for myself and two children aged 16 & 14 but I don’t know where to start due to fear of risk. I want to invest 15% of my income in stocks and also considering real estate. I have seen some recommendations like Vanguard or Hargreaves Lansdowne but I’m clueless on what to go for. I am a nurse and the only debt I have is a repayment mortgage. I just finished paying off credit card debt. I saw your post on Malawi Queens. Please help. Thank you My name’s Angela by the way. Related resource: https://www.katsonga.com/wealthblog/qa-where-should-i-start-with-investing-if-im-afraid-of-risk Ask me a question: https://www.katsonga.com/coach.html Choose a book: https://payhip.com/themoneyspot Support the podcast: In $: https://www.buymeacoffee.com/TheMoneySpot In £: https://www.patreon.com/TheMoneySpot Your way: https://www.paypal.me/katsonga
#8 Wendie asks: Hi Heather, My name’s Wendie. I am a support worker and earn about £1,600. I struggle to make savings due to all my commitments but I desire to start no matter how small. Please advise. Related resource: https://www.katsonga.com/wealthblog/qa-what-are-the-9-biggest-money-mistakes-people-make-that-prevent-them-from-saving Ask me a question: https://www.katsonga.com/coach.html Choose a book: https://payhip.com/themoneyspot Support the podcast: In $: https://www.buymeacoffee.com/TheMoneySpot In £: https://www.patreon.com/TheMoneySpot Your way: https://www.paypal.me/katsonga
#7 Barry asks: Hi Heather, My name’s Barry and I hate budgeting…it’s not so much the budgeting but tracking all my spending; it kind of sucks the joy out of life. I can’t stand having to think through how my money will be spent and not being able to buy what I want just because it wasn’t budgeted for – am I doomed to always be broke because I don’t budget? Do you have any suggestions for me? Related resource: https://www.katsonga.com/wealthblog/qa-i-hate-budgeting-am-i-doomed-to-be-broke Ask me a question: https://www.katsonga.com/coach.html Choose a book: https://payhip.com/themoneyspot Support the podcast: In $: https://www.buymeacoffee.com/TheMoneySpot In £: https://www.patreon.com/TheMoneySpot Your way: https://www.paypal.me/katsonga
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