The Wealth Whisperer

In this episode, Hazel interviews Gavin Watson, who shares his inspiring journey to becoming a successful business strategist and consultant. After experiencing redundancy during the financial crash of 2008, Gavin reflects on the pivotal moments that led him to seek greater freedom and control over his life. He discusses the challenges he faced while transitioning into entrepreneurship, including the ups and downs of building multiple income streams and the importance of resilience. Gavin also highlights his passion for helping others, including his plans to launch a charity aimed at providing emergency accommodation for those in need.  KEY TAKEAWAYS The journey from a corporate role to running a business often stems from a desire for freedom and control over one's destiny. Experiencing redundancy can serve as a catalyst for individuals to pursue their passions and create alternative income streams. Facing challenges, such as a breakup or financial difficulties, can lead to significant personal growth. Recognizing one's resilience can empower individuals to navigate future obstacles with confidence and determination. Building strong relationships and rapport with others is crucial in both personal and professional settings. Listening and understanding others' needs can enhance collaboration and lead to successful outcomes. Freedom evolves over time; it shifts from the ability to travel and enjoy leisure to making impactful life choices that benefit not only oneself but also others. True freedom is about having the capacity to help and influence those around you positively. The rise of online bullying and negativity can deter individuals from sharing their voices. Understanding that hurtful comments often stem from the commenter’s own issues can help individuals maintain their confidence and continue to express themselves authentically. BEST MOMENTS "I realized from then, because I was the first one in the office, the last one to leave... it doesn't matter what you do, if they need to get rid of you, you do then become a number at the end of the day." "I took £6,000 and I turned that into about £80,000 within the space of about sort of five, six months." "I want to try and build something to show that people do this because of issues in their own lives. It's not about you personally." "For me, freedom now is more about being able to help those around or being in a position that I can influence or do something that could make other people's life a little more free." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel shares her passion for the challenges faced by property owners, particularly in light of recent tax changes and interest rate hikes. Using a personal example of a six-bedroom Victorian HMO property in Sheffield, she discusses how her once profitable investment has turned into a financial burden due to the inability to offset mortgage interest against rental income and the impact of rising interest rates.   KEY TAKEAWAYS The introduction of Section 24 has significantly affected landlords by limiting the ability to deduct mortgage interest from taxable income, particularly impacting higher rate taxpayers.   A series of interest rate hikes over the past couple of years has transformed previously profitable properties into financial burdens, highlighting the importance of monitoring cash flow.   Regularly assessing the financial performance of rental properties is crucial. The example shared illustrates how a property that once generated positive cash flow can turn into a loss, necessitating a reevaluation of its viability.   Landlords facing negative cash flow have options, such as selling the property or refinancing to a fixed-rate mortgage, but each choice comes with its own set of challenges and considerations.   The exit of many landlords from the rental market has led to a decrease in available rental properties, contributing to rising rents and creating a challenging environment for both landlords and tenants.   BEST MOMENTS   “You know, we are a business at the end of the day, we are not a charity. And yes, we've had the heydays, we have had the high times, and now we're experiencing the lower times.”   “It just makes you wonder: Why are they creating this impossible situation for landlords? Literally landlords have been exiting the market in droves over the last few years. and you know that's why rents are going sky high, because the amount of supply of decent properties has gone massively down.”   “It seems like perhaps selling up, getting a decent chunk of money back and investing elsewhere is perhaps the better option at the moment.”   “If you do own property, make sure you're looking at the bottom line, not just the top line figure of what the rent is coming in minus various bits and pieces, expenses, what have you. Make sure that you're getting the real bottom line figures.”   VALUABLE RESOURCES   Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances...   https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page     ABOUT THE HOST   Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.   She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent…   Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.   During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest.   CONTACT METHODS WebsiteInstagram    

Hazel dives into the "four A's formula," a simple yet powerful equation that captures the key elements of success: aptitude, attitude, and action. When combined, these three factors can elevate your "altitude" or level of achievement. Hazel shares a heartfelt story about discovering her musical aptitude as a child, which sparked a thriving career as a classical musician and music teacher. She then applies the same formula to her journey in the property market, showing how these principles can create exponential growth and success in different areas of life. This episode is both a motivational and practical guide, encouraging listeners to embrace the formula and reach new heights in their own pursuits. KEY TAKEAWAYS The Four A's formula consists of aptitude, attitude, and action, which together determine one's altitude of success. Aptitude refers to one's natural talent or skill in a particular area, such as music in the example provided. Attitude plays a crucial role in success, as a positive mindset and willingness to practice and improve can lead to significant achievements. Taking action towards one's goals is essential for success, as demonstrated by the speaker's journey from playing music to pursuing a career in property. By applying the Four A's formula to various aspects of life, individuals can potentially experience exponential growth and achieve desired results. BEST MOMENTS "It's your aptitude times your attitude times your action that equals your altitude." "I was good at music as a young child... I learned to play by ear... I was developing my aptitude for music." "I took serious action towards my dreams... I wanted to be first bassoon in the Royal Philharmonic Orchestra." "When we take our aptitude for something and we multiply it by the attitude we have towards it, and we multitude that by the action that we take, it equals the altitude, the degree of success that we achieve." "Because what I'm about is all about expansion and creating wealth and creating abundance, I just thought this was quite a nice little idea formula for you to apply to your life."   VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page   ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel discusses the power of making small financial tweaks that can have a significant impact on one's long-term financial future. She illustrates how simple decisions, such as moving money to a higher interest account or practising pound cost averaging, can lead to substantial financial growth over time. Hazel also highlights the potential of leveraging time and consistent investments to build wealth, citing examples of property investments that yielded impressive returns.   KEY TAKEAWAYS Making small tweaks or decisions in your finances can have a massive impact in the long term. Utilizing the power of time along with your money can help create a small fortune over time. Examples such as moving money to higher interest accounts, pound cost averaging investments, and strategic property purchases showcase the potential for significant financial growth. Consistency, commitment, and creativity in financial decisions can lead to substantial gains over time. Joining a community like the Freedom Club can provide support and guidance in achieving financial and lifestyle freedom through strategic financial decisions.   BEST MOMENTS   "Pound cost averaging is one of the best forms of making your money grow over the long term."   "This is basically free money that we've had from one decision that we made way back when."   “The total value that we have had from this property in terms of the capital growth we've had and the cash flow has been £159,200 from one property that we bought with none of our own money.”   "What is the one small step that you could take that you could commit to in terms of tweaking your finances to create this potential fortune down the line for yourself?"   VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances...   https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page   ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest.   CONTACT METHODS Website Instagram

In this episode, Hazel delves into the true meaning of wealth beyond its conventional definition of monetary and material possessions. By exploring the origins of the word "wealth," Hazel uncovers its ancient roots in well-being, welfare, and happiness. The episode emphasizes the importance of defining wealth for oneself and reclaiming its original, broader meaning. Through a thought-provoking story about a Mexican fisherman, Hazel illustrates that true wealth lies in finding joy and fulfillment in everyday activities, rather than in the accumulation of material wealth.  KEY TAKEAWAYS The word "wealth" has a much broader meaning than just monetary and material possessions, originally encompassing well-being, welfare, and happiness. The modern-day dictionary definition of wealth includes an abundance of valuable possessions or money, but it can also refer to an inner abundance of talent or a quality of profuse abundance. The podcast explores the idea of reclaiming the original, broader meaning of wealth to include aspects like well-being, health, and happiness, beyond just material possessions. The story of the Mexican fisherman illustrates that true wealth can be found in enjoying what you do, spending time with loved ones, and feeling content with one's current situation, rather than constantly seeking more material wealth. The message encourages listeners to define their own version of wealth, focusing on what brings them joy, love, and happiness, and to incorporate that into their everyday lives. BEST MOMENTS "The truth about wealth is that if we don't define it for ourselves, then other people will define it for us." "Wouldn't it be amazing to start living in a way that wealth meant so much more than just the stuff that we can accumulate over the course of our lifetimes?" "I think that's just a beautiful little story which illustrates exactly the idea that even what you're doing right now, if you're loving what you're doing and you have the ability to share that love and for it to bring about abundance in your life somehow, that you don't need masses of riches to feel that way." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In today's episode, Hazel discusses the allure of flashy material possessions versus the importance of focusing on financial freedom and cash flow. Through anecdotes about property investments and the realization of prioritizing cash flow over flashy assets, she considers the significance of aligning personal goals with what truly matters.  KEY TAKEAWAYS Focus on cash flow over material possessions: Prioritize building cash flow that can set you free from financial constraints rather than chasing flashy items like big houses and fancy cars. Practice delayed gratification: Make conscious choices to invest in income-generating assets before indulging in luxury items, allowing for long-term financial freedom. Align head, heart, and gut: Conduct thorough research (head), identify what you love and excel at (heart), and trust your intuition (gut) to choose the right wealth-building strategy. Shift goals as priorities change: Allow your goals to evolve over time, aligning with what truly matters to you and adapting to new circumstances. Strive for personal growth and impact: Aim to be the best version of yourself, prioritize what is important to you, and set an example for those around you while pursuing financial freedom. BEST MOMENTS "I found that it can be quite dangerous to keep up with the Joneses, to see somebody else and think, yeah, I wanna be like them, I wanna have the things that they have. In this country, we seem to be a little bit obsessed with comparison." "There are definitely people out there who have achieved the level of success that they portray, but it comes down to a level of research." "Delayed gratification is one of the most important things that you can do in your wealth journey." "The most important thing is to live the way that you want, to be concentrating on the things that are most important to you." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel delves into the topic of self-sufficiency inspired by a conversation with her son's girlfriend. Hazel reflects on her own experiences of being self-sufficient from a young age, sharing a personal story of traveling to music college in London every Saturday as a teenager. She emphasizes the importance of self-reliance in achieving goals and building wealth, drawing parallels to her husband's similar journey. Hazel encourages listeners to take the first steps towards financial self-sufficiency by filling in a financial spreadsheet provided in the episode. Through personal anecdotes and practical advice, Hazel highlights the transformative power of self-sufficiency in shaping one's life and invites listeners to embark on their own journey towards independence and success. KEY TAKEAWAYS Self-sufficiency and self-reliance are crucial for personal growth and success. Being self-sufficient requires discipline, organization, and the ability to navigate challenges independently. Taking initiative and making things happen for oneself is essential in achieving goals. Appreciating support from others becomes more profound when one has experienced self-sufficiency. Starting with small steps, such as filling in a financial spreadsheet, can lead to significant progress towards self-sufficiency in various aspects of life. BEST MOMENTS "I had to get everywhere under my own steam. That's what I was taught when I was young." "It taught me discipline. This taught me that I had to get places under my own steam." "It made him realize that you've got to have your own back. You've got to find your own way."  "It's imperative that you become self-sufficient and self-reliant and be able to pull on that resource." "You take those first steps and everything comes rushing in to help you." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In today’s episode, Angus Blackburn, an accounting professional living in Chile, shares his journey towards financial freedom and personal development. Angus shares with Hazel how he initially sought financial freedom but quickly realised the importance of identifying his purpose and values in life. Through his involvement in the Freedom Club community, Angus found a balance between financial discipline and personal growth, leading to a more relaxed and content mindset.    KEY TAKEAWAYS Angus initially sought financial freedom but quickly realized the importance of personal development and exploring his purpose and values in life.   Through the Freedom Club, he learned to take a balanced view of all aspects of his life, leading to contentment and success.   Angus has benefited from both one-on-one sessions and group interactions within the Freedom Club, finding value in the deep, quality conversations and diverse perspectives.   His understanding of wealth has evolved to encompass not just financial security but also relationships, personal health, and leisure, emphasizing the importance of balance in all aspects of life. BEST MOMENTS "Trust the fact that if you put the work in, if you get clarity on what your underlying values and objectives and purpose is, and then work hard and be dedicated to one's causes, then there's really very little to worry about."   “I would say wealth used to mean financial wealth. I mean, I would never really have thought about wealth having a definition beyond that in the financial sense previously."   "I think finding a balanced position and moving forward, living your life in that balanced way is the number one lesson that the Freedom Club has taught me so far."   “We live in a a mostly financial capitalist world where having money is a requirement and having a good degree of financial security can certainly help improve one's overall wealth. But actually, it probably doesn't mean that much if other aspects of one's wealth are in deficit.”   VALUABLE RESOURCES   Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances...   https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST   Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.    She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent…   Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.    During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest.   CONTACT METHODS   Website Instagram

You’re seeking new ways to create true wealth and more time freedom in your life. We get it! If this describes you, you’re in the right place… Join us each week for wealth-creation wisdom, new and innovative investing insights, and inspired ways to help you realise more financial and lifestyle freedom alongside your busy career or business (or perhaps just 'life' here?), with our dedicated and experienced ‘Wealth Whisperer’, Hazel de Kloe. If you want to truly break free from the everyday grind (who doesn’t?!) and live a life of purpose, passion and freedom, this show is for you! Do you have a deep interest in all matters related to living a free, joyous and inspired life? Then listen in to explore your own journey towards true, personal, freedom. KEY TAKEAWAYS Good debt is borrowings you must allow you to buy other things that bring money into your pocket. For example, rental property; you buy a property with a mortgage & the rent is set above the mortgage payment so it’s bringing money into your pocket.  Bad debt takes money out of your pocket, such as putting your holiday on a credit card, or you have a card payment to make, or you have a store card which you’ve racked up & you’re having to pay out each month. Make a list of all the debts you have, how much you own & to whom you owe it, the interest rates that you’re paying, the monthly payments, & their due dates. Figure out the highest interest rates that you’re paying – these are usually store credit cards & payday loans – & see if you can negotiate a lower interest rate. You may be able to switch provider or consolidate them into one bigger loan with one lender, one payment for less interest. Make sure you pay the minimum payments on them all and set up direct debits for them all, so you never miss a payment & your credit score won’t get affected. Once you have money left over & you can afford to pay more, begin paying extra lump sums off the highest interest rate debt to bring it down quicker. BEST MOMENTS ‘To become a really good manager of debt you need to know your credit score.’ ‘If you don’t learn how to manage your debt responsibly it can easily spiral out of control.’ ‘Look for the lowest cost of borrowings that you possibly can, this will usually be over a longer time.’ ‘Become super responsible with handling debt, the more responsible you can be handling debt the more you’re going to be given to work with. This is an empowering position to be in.’ VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

You’re seeking new ways to create true wealth and more time freedom in your life. We get it! If this describes you, you’re in the right place… Join us each week for wealth-creation wisdom, new and innovative investing insights, and inspired ways to help you realise more financial and lifestyle freedom alongside your busy career or business (or perhaps just 'life' here?), with our dedicated and experienced ‘Wealth Whisperer’, Hazel de Kloe. If you want to truly break free from the everyday grind (who doesn’t?!) and live a life of purpose, passion and freedom, this show is for you! Do you have a deep interest in all matters related to living a free, joyous and inspired life? Then listen in to explore your own journey towards true, personal, freedom. KEY TAKEAWAYS To be truly wealthy in mind, body, and your back pocket you must learn to follow your bliss in life. Who wants to wake up numb and going through the same motions each day. It’s all about making small changes in your life to get the things that you want and have the life you would like.  The more you do work and activities in your life that fill you up the more you’re going to be able to receive and give to others that same feeling in a similar way. The more you do these things and bring a level of awareness to these things is when you’ll start to live a truly wealthy life, when you do these opportunities and synchronicities will start appearing that would not have been there if you’d stayed in a state of misery/discomfort/unhappiness. What’s the common thread of joy in your life, what are you passionate about, what do you really enjoy? Is it seeing others happy, taking pride in your work, feeling a sense of fulfilment & achievement in what you do? What about it makes you feel like that? Typically, people who are truly successful do this without even thinking about it. BEST MOMENTS ‘You’re never going to be wealthy doing something that you hate, makes you feel bad or like you’re on a hamster wheel, find something that you enjoy and start from there.’ ‘Following your bill is going to be the common theme to doors opening & opportunities presenting themselves & you being able to really discover what your wealthy life looks like.’ ‘Don’t confuse this with being rich, being rich and being wealthy are two completely different things.’ VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

In this episode, Hazel shares quick money-making tips for those looking to kickstart their journey towards financial freedom. She provides a variety of practical suggestions, ranging from utilising cashback offers and checking for entitlements to renting out a room in your home or starting a side hustle. Hazel emphasises the potential for anyone, regardless of their current financial situation, to start building wealth by exploring different avenues for earning extra income. Her engaging and informative tips offer listeners inspiration and actionable steps to begin growing their financial resources. KEY TAKEAWAYS Quick money-making tips were shared to help individuals start their journey towards financial freedom. Various methods such as cashback offers, benefits entitlements, and providing lodgings in one's home were suggested to earn extra cash. Online opportunities like selling unwanted items, participating in market research, and affiliate marketing were highlighted as potential income sources. Turning hobbies or skills into a side hustle, such as tutoring, selling merchandise, or offering services like gardening or babysitting, can also generate additional income. Work-related quick fixes like overtime, asking for a pay raise, or taking on part-time work were recommended to boost monthly earnings. BEST MOMENTS "I sometimes get people come to me and say, Hazel, I would love to start my journey towards financial freedom. However, I don't have much left at the end of each month to start working with." "You could also potentially take in foreign exchange students for a short period of time, maybe a week, maybe a couple of weeks or a month. And again, get paid for that." "My mother was the absolute queen of this. She turned her hand to a number of different things. She was pretty skilled and very arty, and so she turned her passion for cooking into doing cookery courses for a period of years." "There really is no excuse to actually start making yourself an extra bit of cash so that you can put that towards your own financial freedom journey and you can, you know, build up a pot to work with." "Even if you have a pound, start with a pound and think of the different ways that you can increase that pound. How could you double it? What could you do? You know, it's just, it gets the juices flowing and it gives you inspiration as to what's possible when you start to see it accrue." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

You’re seeking new ways to create true wealth and more time freedom in your life. We get it! If this describes you, you’re in the right place… Join us each week for wealth-creation wisdom, new and innovative investing insights, and inspired ways to help you realise more financial and lifestyle freedom alongside your busy career or business (or perhaps just 'life' here?), with our dedicated and experienced ‘Wealth Whisperer’, Hazel de Kloe. If you want to truly break free from the everyday grind (who doesn’t?!) and live a life of purpose, passion and freedom, this show is for you! Do you have a deep interest in all matters related to living a free, joyous and inspired life? Then listen in to explore your own journey towards true, personal, freedom. KEY TAKEAWAYS Start to manage your finances: Know what’s coming in and, more importantly, what’s going out. Once you’ve determined how much is going out you can start to know and understand what you’re working towards. Learn to manage your debt well: Know and understand what your credit score is, it’s very likely that you’re going to need to play the game and take out credit to help you along the way as it will benefit you to do so. Know and understand what your debts are, have a list of them, figure out the most expensive ones and pay them off first or negotiate the rates. Learn how to negotiate: This can be one of the most powerful tools in your financial freedom box. Start of haggling on the little things and then apply this to the bigger things. You can save yourself a literal fortune over time. Learn about investing and generating passive income: Categorically, I can say, without fail, no matter how nig your salary is, you will never earn as much as you can make by investing well.  BEST MOMENTS ‘Have a clear goal in mind: Resistance is created through a lack of clarity.’ ‘Learn how to budget, it helps you to live within your means and as frugally as you can afford to.’ ‘Save as much as you possibly can.’ ‘Take full responsibility for your finances. No one else will ever have your best interests at heart than you.’ VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page   ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

You’re seeking new ways to create true wealth and more time freedom in your life. We get it! If this describes you, you’re in the right place… Join us each week for wealth-creation wisdom, new and innovative investing insights, and inspired ways to help you realise more financial and lifestyle freedom alongside your busy career or business (or perhaps just 'life' here?), with our dedicated and experienced ‘Wealth Whisperer’, Hazel de Kloe. If you want to truly break free from the everyday grind (who doesn’t?!) and live a life of purpose, passion and freedom, this show is for you! Do you have a deep interest in all matters related to living a free, joyous and inspired life? Then listen in to explore your own journey towards true, personal, freedom. KEY TAKEAWAYS Talking about money is such a big subject and is quite taboo in some cultures. Why is that? Maybe it’s time to break the spell/myth about talking about money. It’s such a fundamental part of our society, it should be talked about at school, in society in general & even at home with our nearest and dearest. My parents talked to me about money and their struggles with it when I was young. This gave me a good, healthy relationship with understanding what it took to have money coming in, why it was important to manage where it was going out & how they could work with what they had to save and do what they wanted to do with it. Are we just sent to school to be churned out to be good employees or money-makers for the taxman/government/anyone else who wants a piece of us? How often are we shown how to make it work for us? BEST MOMENTS ‘Why, as a society, have we not been encouraged to talk about money/finance and how to work with it? Why is it not one of the major topics in the education system? It should be.’ ‘When was the last time you have a really great conversation about money? How much you could earn, what you could do to improve your situation and grow your wealth.’ ‘Tax Freedom Day is around the end of May, meaning that for the first 5 months of the year you are paying your entire salary towards taxes. That’s insane! What’s it being spent on?’   VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

You’re seeking new ways to create true wealth and more time freedom in your life. We get it! If this describes you, you’re in the right place… Join us each week for wealth-creation wisdom, new and innovative investing insights, and inspired ways to help you realise more financial and lifestyle freedom alongside your busy career or business (or perhaps just 'life' here?), with our dedicated and experienced ‘Wealth Whisperer’, Hazel de Kloe. If you want to truly break free from the everyday grind (who doesn’t?!) and live a life of purpose, passion and freedom, this show is for you! Do you have a deep interest in all matters related to living a free, joyous and inspired life? Then listen in to explore your own journey towards true, personal, freedom. KEY TAKEAWAYS Rather than talk about switching utilities, mobile phone contracts & checking your insurance renewals, I want to share with you the more unusual ways to save money and make your cash go further each month. The coffee story comes from my husband, you average 1 coffee a day which costs around £4. If you add that up over the course of a year, that comes to £1,460. What if you had a nice machine so you could have your coffee at home? Each pod costs 50p, that’s an eighth of the cost which is £182 per year. That’s a heck of a saving. What other items do you buy each and every day that you could apply this to? If you can get good at haggling on small items, like clothing from an independent boutique or antiques shop you can start to develop your skills in terms of the bigger purchases in life. You can negotiate with some of the larger stores as well, certainly if you’re buying a car or holiday. BEST MOMENTS ‘When shopping for big purchases (white goods/furniture/holiday/car) wait for the sales, don’t impulse purchase, shop around.’ ‘Shop around on your debt (credit cards/loans/mortgages) see if you can switch to a better deal.’ ‘Be careful with spending by touchless with your phone, it’s too easy to make purchases easily. This applies to subscriptions – which do you need, use & want, get rid of the rest.’   VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

You’re seeking new ways to create true wealth and more time freedom in your life. We get it! If this describes you, you’re in the right place… Join us each week for wealth-creation wisdom, new and innovative investing insights, and inspired ways to help you realise more financial and lifestyle freedom alongside your busy career or business (or perhaps just 'life' here?), with our dedicated and experienced ‘Wealth Whisperer’, Hazel de Kloe. If you want to truly break free from the everyday grind (who doesn’t?!) and live a life of purpose, passion and freedom, this show is for you! Do you have a deep interest in all matters related to living a free, joyous and inspired life? Then listen in to explore your own journey towards true, personal, freedom. KEY TAKEAWAYS Apportioning is simply allocating your funds, the spare cashflow that you have at the end of each month in a very specific way. If you have a spare £100-£1,000 a month, this episode is definitely for you. Divide your cashflow up into separate pots so the money is split between all those items you’re saving up for, such as becoming financially free, a rainy day/emergency fund, travel/holiday fund, a fun account, or even a giveaway/donation fund.  BEST MOMENTS ‘Find a bank like Monzo that allows you to set up pots to save for specific things.’ ‘Having a ‘fun’ account will really exercise your money muscle in terms of spending.’   VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

You’re seeking new ways to create true wealth and more time freedom in your life. We get it! If this describes you, you’re in the right place… Join us each week for wealth-creation wisdom, new and innovative investing insights, and inspired ways to help you realise more financial and lifestyle freedom alongside your busy career or business (or perhaps just 'life' here?), with our dedicated and experienced ‘Wealth Whisperer’, Hazel de Kloe. If you want to truly break free from the everyday grind (who doesn’t?!) and live a life of purpose, passion and freedom, this show is for you! Do you have a deep interest in all matters related to living a free, joyous and inspired life? Then listen in to explore your own journey towards true, personal, freedom. KEY TAKEAWAYS It was truly liberating when my husband and I became financially free. We’d got to the point where our passive income from property was covering all our expenses & starting to build so we had more over & above our expenses so we could enjoy life. This meant we could move out of London to the south coast of Kent, by the sea which was a dream of mine. It meant the world to us. Think about how much you actually need to live on each month and how much would you really like to have coming in to flourish? This will be a considerably different figure. Living in our current economy, everything is expensive & basic running costs can easily be in the thousands, just have fun with the idea in the first instance; figure out where else you could live that is cheaper than where you are. If you were able to re-organise your life so you’ve got money coming in and you’re able to relocate yourself and are able to switch to a more online version of what you’re doing, and you want to work between 15-20 hours a week. What kind of business could your run or start to achieve that? BEST MOMENTS ‘It did take us over a decade to get to financial freedom, this may seem like a long way off and it was a lot of hard work, dedication and commitment.’ ‘We took inspiration from the 4 Hour Work Week book by Tim Ferris, I highly recommend you get that book.’ ‘How can you change this up in your world so that you can achieve this faster than we did?’   VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

You’re seeking new ways to create true wealth and more time freedom in your life. We get it! If this describes you, you’re in the right place… Join us each week for wealth-creation wisdom, new and innovative investing insights, and inspired ways to help you realise more financial and lifestyle freedom alongside your busy career or business (or perhaps just 'life' here?), with our dedicated and experienced ‘Wealth Whisperer’, Hazel de Kloe. If you want to truly break free from the everyday grind (who doesn’t?!) and live a life of purpose, passion and freedom, this show is for you! Do you have a deep interest in all matters related to living a free, joyous and inspired life? Then listen in to explore your own journey towards true, personal, freedom. KEY TAKEAWAYS Managing your money is the most important subjects when it comes to making the most of your finances & how to get a grip on where you’re at right now and where you can make improvements. I’ve worked with hundreds of clients over the years and the ones that have the most money coming in have had the least amount of savings and the least clue as to what their financial life really looks like and vice versa. My boyfriend (now husband) and I started from the ground up, with nothing, and took small, steady steps to save and build our life and our wealth situation. It doesn’t take an awful lot of income to make a difference in your life.  Most people know & have a good grip on what’s coming in every month. They may have a salary & they know almost to the penny every month and they can run their lives from there. Some people have a better grip in budgeting, and they know what they need in order to live & function every month and how much there may or may not be left at the end of each month. But the vast majority don’t necessarily know how much money is going out each month. BEST MOMENTS ‘It doesn’t really matter if you have loads of money coming in or not very much, what matters is what you’re doing with it.’ ‘Just because you don’t have a 6-figure salary doesn’t mean you won’t be financially wealth, that’s a myth.’ ‘Monthly expenses can change and vary, making it harder to keep track of. Itemise all the regular outgoings each month and bigger yearly expenses. When you take this away from your income you get your cashflow figure.’ ‘An asset is simply something that puts money into your pocket and a liability is something that takes money out of your pocket.’   VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

You’re seeking new ways to create true wealth and more time freedom in your life. We get it! If this describes you, you’re in the right place… Join us each week for wealth-creation wisdom, new and innovative investing insights, and inspired ways to help you realise more financial and lifestyle freedom alongside your busy career or business (or perhaps just 'life' here?), with our dedicated and experienced ‘Wealth Whisperer’, Hazel de Kloe. If you want to truly break free from the everyday grind (who doesn’t?!) and live a life of purpose, passion and freedom, this show is for you! Do you have a deep interest in all matters related to living a free, joyous and inspired life? Then listen in to explore your own journey towards true, personal, freedom. KEY TAKEAWAYS When we talk or think about becoming financially free and building wealth, one of the first things we think about is the money. When my husband and I first started, it was about the money. It is important to dream big when you’re starting out on this journey. However, I’ve found along the way that money is not the be all and end all. I wondered why some people were more successful than others at achieving their goals, especially financially. My lightbulb moment came when I realised that the most successful people weren’t chasing the money, they were the ones who knew 100% what it was that they wanted inside, and they were following that. The mistake people make is that they think that having the thing, circumstance or situation in their life as a result of becoming financially independent is going to make them feel that way when they get there. If you want to feel a certain way when you have those things, it’s actually about feeling those things NOW to help you build your life and financial freedom on that basis. If you don’t build your dream in this way and you’re stressing out or getting worried or finding it hard, then the journey is going to be stressful, hard and you’re not going to enjoy it as much, nor will you enjoy the final result. BEST MOMENTS ‘What’s your ‘why’? The reason behind why you want to become financially free or build wealth for yourself… or both?’ ‘I didn’t want to have to work or do a job that I didn’t want to do or become beholden to anybody else.’ ‘There’s always a feeling you’re looking for, not an object/situation/circumstance. Think about that feeling and write down at least 10 things that already make you feel that way.’ ‘It’s always about the journey, not the destination.’   VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.  She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.  During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfill this quest.