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 entourage.com.au Forest Superfoods Lion’s Mane – kick midlife brain fog with organic Aussie-made goodness. 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 LinkedIn: 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) – wire.org.au 1800RESPECT – 1800 737 732 (24/7 national support line for sexual assault, domestic and family violence) Your bank’s financial hardship team – if you’ve taken out a loan under pressure, speak to them as soon as possible Financial Rights Legal Centre – financialrights.org.au 💬 Have you or someone you know experienced sexually transmitted debt? Join the conversation in the Happy Honeys community a safe, shame-free space for women to talk about money, power, and freedom. Your invitation is here Build your own financial literacy with the 30 Day Spend Cleanse, find out more     

We all think we’re supposed to look after everyone our partners, our parents, our kids, our grandkids. But what happens when that “responsibility” becomes a financial trap? This week I’m diving deep into the messy middle of money and relationships when love, obligation, and trust get tangled up with bank balances. I’ll take you inside real-life stories from workshops and coaching sessions: When a partner’s business collapses and you’re the one propping it up When a sibling might be financially exploiting your ageing parent When kids (or the “Bank of Mum and Dad” culture) expect more than you can afford We’ll talk about difficult conversations, long-term thinking, and why “no” is a complete sentence. Most importantly you’ll walk away with the tools and permission to protect your financial future without blowing up your relationships. 💡 Links and Resources: Join the 30-Day Spend Cleanse: Build boundaries and clarity in just 15 minutes a day Join our free Happy Honeys Facebook Group Follow me on Instagram, TikTok, LinkedIn and YouTube @phoebe.blamey Link for Forest Superfoods Thanks to our sponsor, find out more at entourage.com.au

Australia is on the brink of the largest intergenerational wealth transfer ever. Between $3.8 and $5 trillion will move from boomers to the next generation. Women will inherit 65% of it. In this episode of My Happy Money Journey, Phoebe dives into the realities of inheritance: Why women inherit more, later in life How divorce, blended families, and “the eldest daughter effect” complicate things The sandwich generation’s struggle caring for parents while still supporting kids The rise of the Bank of Mum and Dad and the risks of living inheritances Why open conversations prevent conflict and even elder abuse The tax traps you need to know about (CGT, super, property sales) Why testamentary trusts aren’t just for the rich And how to find the right financial adviser in a shrinking market Phoebe shares stats, stories, and strategies to help women not just receive money but truly own it. Sponsor:This episode is brought to you by Entourage Finance & Property: helping Australians grow wealth through property, lending, and advice. Find out more at www.entourage.com.au Forest Superfoods link here:  Forest Superfoods Download your FREE spend cleanse calendar HERE  

When you’re over 50 and suddenly find yourself without a job, it’s more than a career hiccup it’s a seismic life shift. Add menopause, aging parents, adult kids moving home, or divorce, and it’s a perfect storm. This week, Phoebe dives into the uncomfortable reality: women over 55 in Australia take, on average, 20 months to find new work (seriously) more than double the time of younger candidates. But that “forced pause” can be the catalyst for something far more exciting than you expected. We’ll cover: Why redundancy rates and re-employment times hit women over 50 harder How to run your own “financial first aid” in the days after losing a job The critical role of knowing your burn rate How to plug your money leaks with the free 30-Day Spend Cleanse calendar (linked below) The surprising industries that do value mature female leadership Why AI literacy could be your best career insurance policy Smart, lean ways to start a business when venture capital is not flowing to women Whether you’ve just been laid off or you’re quietly thinking “what if?”, this episode is about building a plan, protecting your finances, and reinventing your work life on your terms. Links & Resources: Free 30-Day Spend Cleanse Calendar: Link Here Follow Phoebe on TikTok (its not just for Kids!!) : @phoebe.blamey Join the My Happy Money Journey Facebook Group: Happy Honeys on a Happy Money Journey

It could have been the worst week...but my money systems saved me! This week is all about where the money systems you have really count.  No its not when you look at your bank account, its when life hits the fan and everything falls apart. Because not all rich girl habits are about designer handbags or passive income dreams. Some are about finally having a freezer full of food when you're too sore to cook… or a cash cushion that lets you breathe when you can’t work. In this episode, I break down the real, quiet, powerful habits that keep me calm, prepared, and actually wealthy. After four days in pain from a trapped nerve, I was reminded exactly why these habits matter.We’re talking systems, insurance, boundaries, and joy over convenience. It’s rich girl energy, when I really had none. 

Over a third of businesses in Australia are started by women over 35 and we’re doing it at almost double the rate of men. But we’re not just chasing profit,we’re chasing freedom, flexibility, and purpose. In this episode, Phoebe shares why so many women are walking away from the corporate treadmill to build something of their own and what it really takes to make your business financially sustainable. From the untold story behind the female entrepreneurship boom to the cold, hard truth about subscription costs, pricing your offers, and paying yourself more than a guilt-soaked 1% this is your no-BS, emotionally honest, number-crunching chat about building a business that actually supports you. If you’re a woman in midlife thinking of starting a business or knee-deep in one and wondering, “Is this even working?” this one’s for you. 🎁 Get support & tools mentioned in this episode: 🔧 Book a Happy Hour coaching session – 1:1, powerful,  🚀 Join the Business Builder program: includes 3 months of 1:1 coaching: use code THRIVE25 for 25% off 📚 Free Business Builder tools + downloads: phoebeblamey.com.au 🎥 Follow on YouTube for practical video tips 📖 Read The Happy Money Journey (book): Buy it here 🎧 If you loved this ep…👉 Share it with the midlife woman in your life who’s cooking dinner while side-eyeing her LinkedIn profile and wondering what if?👉 Leave a 5-star review and tell us what your dream business looks like.👉 Subscribe for weekly deep dives into money, business, midlife pivots, and making it all work for you.

In this episode, we’re ditching perfection and chasing progress, because financial freedom isn’t about doing everything “right.” It’s about healing your money wounds, learning the basics, and transforming your relationship with money using simple, consistent actions. I’ll take you through: Why it’s time to stop faking it and start faithing it How money trauma shows up (even in high earners) The three-step formula to create financial peace without pressure What it really means to build systems around your life (not the other way around) How tiny financial choices lead to powerful freedom This one’s part pep talk, part plan, and all heart. Whether you’re swimming in spreadsheets or ignoring your statements altogether, this episode is for you. 🎁 Want to reset your money habits? Try the 30-Day Spend Cleanse and use code THRIVE25 for 25% off:👉 LINK HERE 📺 Find us on You Tube https://www.youtube.com/@phoebeblamey 📚 Grab the free workbook click here

By choice or by chance, our lives change in our 40s and 50s. Kids grow up. Parents age. Relationships fracture. Careers stall. Suddenly, we’re carrying everyone — emotionally, financially, physically — and nobody seems to notice that we’re drowning. This episode is raw and real.I’m digging into what it really feels like to be a woman in the thick of it: invisible, exhausted, expected to hold it all together… while secretly falling apart. What do we do when it all falls apart, because we were meant to be the generation that had it all!! Instead we are getting divorced, losing our jobs and finding ourselves with no real plan. This is the emotional and financial burden we don't talk about. But we need to. Because here’s the truth: You are not lazy. You are not crazy. You are not alone.And you are not out of options. 💥 In this episode, we talk about: Why midlife is hitting women harder than ever before The trap of being the default caregiver — even when we’re crumbling Domestic violence, adult children, ageing parents, and financial burnout The uncomfortable but necessary steps to start putting yourself first again Transition-to-retirement strategies, Centrelink options, and topping up super How curiosity beats defeat — especially when you're rebuilding your life 🔧 Resources & Support Free Workbook: My Mindful Money Journey 30-Day Spend Cleanse: Join Now 💛 Join the Community: Instagram: @thehappymoneyjourney Facebook Group: Happy Honeys 📢 Want more? If this episode hit home, share it with a woman you love. Rate, review, and subscribe — it helps get this message to more women who need to hear they’re not alone.

It’s that time again — the ATO wants a date, and you’ve got receipts (somewhere, probably…). But what if we told you tax time isn’t just a necessary evil? It’s actually a chance to get financially fierce and turn your spring clean into a wealth strategy. In this empowering episode, Phoebe breaks down: Why tax time is your secret weapon for building wealth How to rethink deductions (it’s not just about work expenses) The truth about tax myths that keep women playing small How to use this time to spot leaks, set goals, and invest smart A mini pep talk about claiming your worth (because YES, you can pay less tax and still sleep at night) Whether you're a side hustler, small biz owner, PAYG employee, or just tired of financial fog, this episode has something for you. 💥 No dry ATO speak. Just practical, powerful steps to take control of your money narrative — minus the shame spiral. 🔗 Links Mentioned 📥 Grab your FREE 30-Day Spend Cleanse Plan 📚 Read The Happy Money Journey Book 🧠 Join the 30 Day Spend Cleanse 🎉 Work with Phoebe 1:1 or in group coaching 💛 Join the Happy Honeys Facebook Group 🎧 Listen to more episodes 🧵 Timestamps 00:00 – Welcome to the power of tax time02:40 – Why women are overpaying and under-claiming07:30 – How tax can be part of your abundance plan12:15 – The mindset shift: receipts are data16:00 – Deductions decoded: what you might be missing18:30 – Next steps: reclaim your financial power

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💡 Superannuation might not be glamorous, but it’s one of the most powerful tools in your wealth-building toolbox. In this episode of My Happy Money Journey, Phoebe breaks down everything you need to know about super even if you think it's too late! We talk about the real cost of ignoring your super, how to match your risk profile with your asset allocation, and why even if you’re within 5–10 years of retirement, it’s not too late to take control. Plus, Phoebe shares practical strategies like the transition to retirement pension, the carry-forward contribution rule, and how to audit your super like a boss. Whether you’re catching up after a career break, planning to wind down work, or just want your super to actually perform, this episode is your permission slip to finally give it some love. 🧭 In This Episode, You’ll Learn: Why your super is not a set-and-forget savings account How your risk profile and asset allocation affect your long-term returns The five main investor types and how to know which one you are What the accumulation and pension phases of super are—and why they matter How to use a transition to retirement strategy to save tax and keep your income flowing The carry-forward rule (aka the catch-up contribution hack) to boost your super and reduce your tax How to audit your super account: check your investment option, fees, insurance, and contributions The difference between scraping by and retiring like a queen (yes, it can be that dramatic) 🔑 Key Takeaways: You can absolutely course-correct your super strategy, even in your 50s and 60s The “default” super option might be costing you thousands in missed growth Knowing your investing personality (aka risk profile) helps you make smarter, more aligned decisions The carry-forward rule is a tax-saving game changer—especially if you’ve had years off It’s your money. Let’s make sure it’s working for you. 👇 Resources & Links: Book a Happy Hour Session: phoebeblamey.com.au Super risk profile tools (check with your super fund or financial adviser) ATO Superannuation Caps Info: ato.gov.au More about the Carry Forward Rule: ATO Catch-Up Contributions 💬 Loved This Episode? Share it with a friend who’s been ignoring their super for years!Subscribe, leave a review, and follow for more real talk on money, mindset, and building wealth your way. #superannuation #money #moneytips #budget #womenandmoney #podcast

Feeling behind on investing? Wondering if it’s too late, too risky, or just too complicated? In this episode of My Happy Money Journey, I walk you through the exact steps to start investing—no jargon, no pressure. We’ll cover how to choose the right investment types for your age and goals, explain what ETFs, shares, managed funds and index funds actually are, and talk about diversification, risk, and returns. Whether you’re just getting started or finally ready to make your money work harder than your savings account ever will, this one’s for you. What You'll Learn: Why cash is not king when it comes to long-term wealth What a Big Mac can teach you about inflation The difference between shares, ETFs, managed funds, and index funds How to choose investments based on your time horizon (not your anxiety level) What diversification really means (and why you already have more of it than you think) How tax works on different investments Why you should not check your portfolio every day My real-life story of a $10K investment that’s now worth $6K—and why I’m not panicking Listener Takeaway:You don’t have to be perfect to be profitable—you just have to be curious and willing to start. Sponsor:This episode is proudly brought to you by Entourage Finance and Property, helping Australians grow their wealth through home loans, property advocacy and car finance. Learn more at entourage.com.au   Disclaimer:The information in this episode is general in nature. For tailored financial advice, please speak with a licensed adviser or financial planner.

Welcome to another episode of My Happy Money Journey with Phoebe Blamey! This week, we're lifting the veil on debt and looking at it in a totally new light. Forget the stories of brown rice and Vegemite as you pay off your mortgage—it's time to rethink the "debt is bad" narrative and use it as a tool for building wealth. 🏡💡 In this episode, Phoebe dives into: The Real Cost of Debt: Understanding the difference between good and bad debt Using Debt to Build Wealth: How leveraging debt for assets and investments can work for you Impulse vs Strategy: Why focusing on long-term wealth creation is better than reacting to short-term desires Home Loans & Car Loans: How strategic debt can create freedom and peace of mind Smart Money Moves: The benefits of investing, leveraging property, and using debt as part of your wealth-building strategy Phoebe also shares real-life examples of how using debt wisely can change your financial outlook, and why it's crucial to focus on strategic debt over knee-jerk reactions like impulse buying. So, let's stop feeling guilty about having debt and start thinking about how to use it to level up in life. Resources Mentioned: The Motley Fool article https://www.fool.com.au/2024/12/02/heres-the-average-asx-stock-market-return-over-the-last-10-years-and-what-it-means-for-the-next-10-years/ Previous episodes on getting debt-free without losing joy, and shifting your mindset around debt#money #moneymindset #debtfree #womenandmoney #wealth #wealthcreation #makemoremoney 🔗 Links: Motley Fool article Getting Debt-Free Without Losing Your Joy Shifting Your Mindset Around Debt More on Investment Types & Strategy Coming Soon!

Bruised 💥 Episode Summary:If you’ve ever felt like money just slips through your fingers... or worse, like you’re not meant to be wealthy — this episode is for you. Phoebe gets real about the emotional side of money — the stuff no spreadsheet can fix. We’re diving deep into the four core money wounds that quietly shape the way women save, spend, and sabotage their finances: The Safety Wound: when you save obsessively but never feel secure The Worth Wound: when you overgive or undercharge because you don’t feel “ready” The Avoidance Wound: when you ignore money entirely (but call it being too busy) The Neglect Wound: when no one ever taught you how to build wealth — and now you don’t know where to start This is your wake-up call and warm hug rolled into one. You’ll leave with a deeper understanding of what’s been blocking your money journey — and a practical first step to start healing it. ✨ In this episode, Phoebe covers: Why traditional financial advice falls short for most women The origin story behind each money wound (and how to spot yours) Relatable examples that will make you say “Oh my god, that’s me” One powerful, doable action step for each wound to start your healing today How healing your money wounds unlocks true financial freedom — on your terms 🔗 Resources & Links: Grab the free workbook: My Mindful Money Journey Join the 30-Day Spend Cleanse: Click here 🧠 Quote to remember: “You are not bad with money. You are a woman healing. And healed women build wealth.” 💬 Love this episode?Leave a review on Apple Podcasts or share this episode with a friend who’s ready to stop avoiding their bank balance and start owning their financial power.

In this episode of My Happy Money Journey, we're getting deep into the story behind the story — your money story. This is the internal script that's been quietly dictating how you earn, spend, save, and feel about money. And let’s be honest, most of it isn’t even yours. It’s inherited. It’s outdated. It’s patriarchal as hell. Phoebe unpacks how these generational money stories are passed down like cursed heirlooms — through grandma’s hoarded cash, mum’s hidden shopping bags, and your own beliefs about being “bad with money.”We’ll talk about how history (and hysteria) shaped our scarcity, why your super matters more than your star sign, and how to stop repeating financial history that isn’t yours. Stick around ‘til the end for a special FREE gift to help you get clear, confident, and unapologetically wealthy. What You'll Learn: What a money story really is and how it's secretly running the show Why women are still playing small — and how to stop it The role of patriarchy, capitalism, and even kitchen roasts in your beliefs How to identify inherited money myths and rewrite them The power of taking one empowered action (and what it might be for you) Special Gift:Get Phoebe’s Money Mindset Journey eBook — your free guide to clearing your money wounds and reclaiming your financial power.[Download Here] https://www.happymoneyjourney.com.au/pl/2147725995 Resources & Mentions: Risk profile quizzes from licensed financial planners Check your super fund investment mix Connect with Phoebe:📸 Instagram: @phoebeblamey📬 Newsletter: Sign up at myhappymoneyjourney.com🎧 Subscribe wherever you get your podcasts