Welcome to the Pennies to Pounds Podcast - the ultimate destination for young people who want to take control of their financial future. We understand that financial literacy is often overlooked in traditional education, leaving many young people feeling overwhelmed and ill-equipped to manage their finances. Our mission is to make financial literacy accessible and fun by simplifying complex concepts and debunking common myths. Here are just a few of the topics we cover on the Pennies to Poun ...
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119. The Secret to Building a Good Credit Score and Smart Money Habits
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Send us a text In this episode, we’re breaking down everything you need to know about credit scores — what they are, why they matter, and how they can impact your financial journey. I’ll walk you through the basics, including the three credit reference agencies in the UK (Experian, Equifax, and TransUnion) and explain why your credit score might lo…
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118. The Cost of Love and Legacy: Money Conversations, Parenthood Decisions, and Societal Pressures ft Maya Saffron
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Send us a text This week's episode we're joined by Maya, host of Maya’s Minutes podcast, to discuss finances in relation to love and womanhood. We explore the dynamics of observing your partner's money habits and why understanding these early on can prevent future conflict. The discussion extends to the pressures surrounding motherhood and career c…
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117. Property Apprentice: Getting Started at 17, How The Industry is Changing & Beginner Tips ft Mary Felicia
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Send us a text This episode features Mary Felicia, a degree apprentice who has been scaling within the property industry since the age of 17. Mary chose a degree apprenticeship over the traditional university route, and she shares her experience. Mary’s story is not just inspirational but also packed with practical advice—whether it’s about masteri…
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116. Ex-Prisoner to Business Owner: Journey, Money Management & Using ChatGPT to Improve Your Finances ft Sobanan Narenthiran
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Send us a text What does turning a prison sentence into a mission for social change take? Meet Sobanan Narenthiran, the CEO of Breakthrough Social Enterprise, who shares his extraordinary journey from medical school to prison and beyond. We discuss his experience in prison, his transition back into medical school and building his business. Sobanan …
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115: Balancing Tech Careers and Personal Growth ft Safiya Rozi
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Send us a text This week's episode is with Safiya Rozi. As a software developer degree apprentice and content creator, Safiya shares her approach to juggling a demanding workload through prioritisation and planning. She also discusses her experience as a degree apprentice and how she's navigated the corporate world, especially with her finances. Th…
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114: Protecting Your Money: Understanding FSCS with Matt Phillips
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Send us a text Is your money protected? In this week's episode, we're joined by Matt Phillips, Head of Readiness at the Financial Services Compensation Scheme (FSCS). Matt discusses how FSCS works and its vital role in protecting your finances when UK banks and institutions fail. From bank deposits to investments, pensions, mortgages, and insurance…
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113. The Power of Discipline in Growing Your Finances ft Aaron Knightley
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Send us a text In this episode, Aaron discusses his early life marked by financial hardship and how it fueled his desire for financial stability and independence. He also discusses the importance of continuous learning, self-belief, and maintaining a disciplined approach to finances. FOLLOW AARON: • Instagram - https://www.instagram.com/aaronknight…
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112. Mastering Business Finances: Startup Structures to Financial Success ft Joshua Akinbohun
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23:32
Send us a text In this week's episode, we discuss setting up and managing your business finances with finance coach Joshua. We also discuss the implications of operating as a sole trader vs a limited company and the importance of forecasting potential business earnings. Pre-order 'How To Handle Money' - https://amzn.eu/d/gjomK0T FOLLOW JOSHUA: Inst…
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111. Responsible Credit: Best Credit Practices To Implement (Sponsored by Klarna)
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Send us a text In this episode of the Pennies To Pounds podcast, our sponsor, Klarna, joins us to provide a straightforward yet comprehensive breakdown of understanding different types of credit—credit cards, overdrafts, or personal loans. Raji Behal shares invaluable tips on when it’s smart to use credit and when it’s best to steer clear, helping …
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110. Mid-Year Financial Check-In: Realigning Goals and Carrying Out a Financial MOT
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Send us a text We're halfway through the year; how are your financial goals coming along? Have you achieved any of them, or have they been put aside? This episode is all about reflecting on our journey, celebrating our wins, and recalibrating our targets for the rest of the year. By the end of this episode, you'll have practical tips and strategies…
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109. Transform Your Finances & Grow a 5-Figure Investment Portfolio ft Laura Ann Moore and Kevin Cahill (LIVE From P2P Dec Event)
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41:35
Send us a text Kickstart your journey to financial empowerment with this special live episode from our "New Year, Wealthier You" event, hosted at the iconic Samsung KX building in London. Our esteemed panellists, financial well-being speaker Laura Ann Moore and wealth and investment coach Kevin Cahill discuss money mindset, smart budgeting, and eff…
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108. Shaping Your Financial Future: Early Habits, Healthy Spending, and Relationships ft Aila Money
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38:26
Send us a text What if your childhood experiences with money have already set the stage for your financial future? This week's episode is about how we can make positive financial shifts. Whether recognising your spending triggers or acknowledging past teaching about money when you were younger, we can all progress towards a healthier financial life…
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107. Maximize Your Paycheck and Financial Well-Being ft Nikkita Tew (Young Spender)
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Send us a text This episode is with Nikkita Tew, founder of the financial literacy platform Young Spender. We're discussing the ways in which people in their 20s and 30s can maximise their savings for their short—and long-term goals and plan for retirement. She also breaks down your payslip and explains how taxes are deducted and what your tax code…
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106. Youth & The Cost of Living Crisis: Love, Beauty, Thrifting and Community Resilience ft Tag Agency
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Send us a text How are today's youth weathering the storm of the cost-of-living crisis while keeping their fingers firmly on the pulse of culture and beauty standards? This week's episode features Tumisha and Alvin of Tag Agency, who discuss the findings from their $penny Report. This report highlights this generation's resilience, embracing thrift…
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105. Up The Gains: Wealth Building, Personal Growth & Extra Income ft Sammie Ellard-King
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Send us a text This episode is with Sammie Ellard-King, founder of financial education platform Up The Gains. In this episode, we're discussing how to begin your wealth-building journey, ways to increase your personal growth and how to give your income a boost. FOLLOW UP THE GAINS: Instagram - https://www.instagram.com/upthegainsmoney/ Website - ht…
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104. Homeownership 101: The First-Time Buyer Guide ft Dan Knott
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Send us a text This week's episode is with mortgage advisor Dan Knott demystifying the home-buying process for first-time buyers. He covers how mortgages work, what to be aware of before making an application and schemes available to boost your savings financially. FOLLOW DAN 🏡 Instagram - https://www.instagram.com/dandoesmortgages_/ LinkedIn - htt…
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103. The Reality of Homebuying From First-Time Buyers (LIVE From P2P August Event)
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Send us a text We're back with another episode for first-time buyers! On Thursday 24th August 2023, we hosted an event in London at the Samsung KX building dedicated to debunking the first-time homebuyer journey. This was the final panel of the night with London solo buyer Ayo and couple Alex and Cameron who bought in East London. Filled with a lot…
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102. Calculating a Creative's Currency - How To Manage Money With A Variable Income ft Susie Italiano (Idle Money Blog)
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Send us a text When you think about a professional dancer, does the image of a financial whiz come to mind? For Susie, this week's podcast guest, this unlikely transition from the stage to spreadsheets is her reality. Susie Italiano, the finance fairy godmother for small charities and creative freelancers, shares how to calculate your minimum month…
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101. Protecting the Future: Life Insurance and Financial Protection ft Ella Ensures
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Send us a text In this episode, we're discussing Life Insurance and the importance of having insurance policies to protect your finances. To do this, we're joined by Insurance Advisor Ella or Ella Ensures who breaks down the different types of policies available and at which points in life you should consider taking them out. FOLLOW ELLA: Instagram…
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100. Right To Buy Scheme & Buying Your Next Home ft Topsy Taiwo
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Send us a text This episode is filled with insights from Topsy Taiwo, the property guru behind Property Purchaser, guiding us through the Right to Buy scheme. We also explore the process of going from buying your first home to your next home - schemes available, the process, and how to find a good estate agent. Get Topsy's Book - https://payhip.com…
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99. Making Conscious Money Choices in 2024 and Beyond
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Send us a text Happy New Year everyone! As we're heading straight into 2024, the first episode of the year is discussing how you can make conscious money decisions to reach your financial goals this year. TOPICS COVERED: Discovering your financial values Setting realistic financial goals Creating a useful budget Mindful spending and consumerism - L…
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98. The Ultimate Game Plan for Black Friday and Cyber Monday Savings
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Send us a text Looking to make savings this Black Friday and Cyber Monday? This episode is not just about the nuts and bolts of smart shopping. It's about real-life experiences and strategies we've picked up along the way. PLUS we discuss Travel Tuesday - the little-known opportunity for discounted travel! WEBSITES MENTIONED: Google Shopping - http…
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97. Journey to Riches: How To Build Wealth in Your 20s and 30s
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Send us a text Ready to take charge of your financial future and build generational wealth? Sharing my personal journey, this episode is packed with actionable steps for those in their 20s, 30s, and beyond. Discussing methods to build your wealth, how to set clear financial goals as well as how to approach saving and investing for the long-term. Th…
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96. A Beginners Guide To Investing - Simplified So You Can Start From Today
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16:54
Send us a text In this episode, we delve into the basics of investing and explore the significance of clear financial goals, the necessity of an emergency fund, and various investment strategies. From buying individual stocks and shares to pouring your money into investment funds, we've got you covered. INVESTMENT PLATFORMS MENTIONED: Wealthify - h…
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Introducing… A Little Bit Richer (A new podcast by Legal & General)
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Send us a text #ad Want to boost your financial journey but short on time? You’re in luck because Kia has been busy working on a brand-new podcast with Legal & General called A Little Bit Richer, and it’s aimed at making you just that. These weekly bite-sized episodes cover the stuff they didn’t teach us at school but that you need to know to survi…
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95. Renting Vs Buying: Which Option is Best For You? (LIVE From P2P London Event)
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Send us a text Ever wonder about the pros and cons of renting vs buying a property? In the second panel at our London event on the 24th of August 2023, we were joined by two amazing panelists to discuss this further. Jade Vanriel (here), a seasoned property buyer and content creator, and Nadine Bacchus (here), a pandemic renovator, share their pers…
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94. Stepping into Homeownership: Advice from Property Experts (LIVE from P2P London Event)
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Send us a text We're back with an episode for first-time buyers! On Thursday 24th August 2023, we hosted an event in London at the Samsung KX building dedicated to debunking the first-time homebuyer journey. This episode is Panel 1 - What are the schemes and options available for first-time homebuyers? Our panel was comprised of property expert Tay…
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93. Navigating the Road to Your First Home ft Jade Vanriel
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Send us a text Imagine being in your early twenties and a homeowner. Sounds like a dream, right? Meet Jade Vanriel, a property & lifestyle content creator who turned this dream into reality. She shares her journey - from making sacrifices and tough financial decisions to living with her aunt to save money. She also gives young people a roadmap to k…
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92. Salary Smarts: Strategies for Securing a Higher Salary ft Shay Loko (Jobs With Shay)
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27:51
Send us a text We've got a gem-filled episode for you this week! Join us as we dive into the secrets of career success with our special guest, Shay Loko. Shay is a job-search content creator and co-founder of the Black British pub quiz, PRTY HERE. Shay reveals strategies for leveraging non-monetary benefits, from flexible schedules to professional …
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91. Shifting Mindsets: Integrating Financial Goals with Personal Aspirations ft Hayley Mulenda
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35:13
Send us a text This week's episode is live with Hayley Mulenda! Hayley Mulenda is a Multi-Award Winning International Speaker, Author, and Change Agent who has spoken to thousands of people across the world sharing her story of how she turned her pain into purpose. Get ready for a mind-expanding episode that will transform your relationship with mo…
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90. Deposit-Free Mortgages, Netflix BOOSTS Credit Score & £100k+ Spent On The Coronation? ft Disunomics
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32:35
Send us a text Get ready to dive deep into this week's finance headlines in this episode! To do so, we're joined by podcaster and current affairs commentator Ayo, aka Disunomics. We uncover the recent buzz surrounding interest rates, as they soar to a surprising 4.5%. What does this mean for you? Discover how the rate hike impacts savers, mortgage …
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89. Investing in Luxury Assets: What Makes Them Attractive Investments? ft Lawrence The Broker
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26:28
Send us a text Join us for a riveting conversation with Larry, a successful entrepreneur and investor who has made his mark in the world of digital asset brokering, web design, and luxury asset investing. Larry shares his inspiring journey to wealth creation, from his early days in tech to his pivot into the high net worth investment space. Discove…
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88. Love, Money, and Independence: Navigating Financial Dependency in Relationships ft Nadine (Rona Renovation)
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Send us a text In this episode, we explore the complex and often taboo topic of financial dependency in relationships. Nadine, the creator of the social media page Rona Renovation, shares her insights on how financial dependency can manifest in a relationship, and the impact it can have on both partners. We delve into the power dynamics within rela…
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87. No Money, No Problem: Getting Started in Property Investing ft Ibrahim Braimah
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30:58
Send us a text In this episode, we dive deep into the inspiring story of Ibrahim Braimah, who went from being homeless to owning multiple properties. They share their journey of how they overcame obstacles and challenges, and the mindset they developed along the way. We also discuss practical tips for getting started in property investing with litt…
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86. Studying Law, Rejected From Oxford University & Managing Money As A Student ft Mary-Grace Olu
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Send us a text This episode is with Mary-Grace Olu, a final year university student studying Law who is also an online content creator sharing her journey as well as fashion & beauty content. TOPICS COVERED: Choosing law as a career path Going to Brampton Manor Academy for sixth-form Being rejected from Oxford University Becoming a successful onlin…
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85. Ways To Save On England Staycations & Our Trip To Newcastle ft Jazz (Sponsored By Visit England)
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Send us a text This week’s episode is sponsored by Visit England. Kia is joined by Jazz to discuss their trip to Newcastle discussing what they got up to and how they saved money on their staycation. TOPICS: - Things to do in Newcastle - Places to eat in Newcastle on a budget - Things to do in Newcastle on a budget - How to save on staycations in E…
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84. Mental Health & Finances - How To Take Better Care Of Your Mental Health ft Celine Erorh (Celutions UK)
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Send us a text This week's episode is focusing on the link between mental health and finances. We're exploring this topic into the triggers and how people can take care of their mental health. To discuss this topic, we're joined by Celine Erorh, founder of mental health platform Celutions. TOPICS: How Celutions began The link between mental health …
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83. Stocks That PAY YOU, Compound Interest & How To Become A Millionaire Through Investing ft Ato
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Send us a text This week's episode is great for anyone looking to start investing or better understand how to make it best work for you. To simplify this for us, we're joined by Ato, AKA Savvy Wallet. TOPICS COVERED: - The importance of investing in yourself - Investing myths - What are dividend stocks? - How does compound interest work? - How to b…
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82. Break Out Of These Habits, Money and Relationships & Becoming a Published Author ft Emmanuel Asuquo (The Eman Effect)
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Send us a text This episode is a very special one as we're joined by Financial Advisor, TV Personality, and Newly Published Author Emmanuel Asuquo. TOPICS COVERED: Habits to leave to improve your finances Understanding how to grow your wealth Money and relationships - the role finances play His newest book, Get Your Money Right (purchase the book h…
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81. Apprenticeships, Credit & Journey To £1 Million ft JayVSOP
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Send us a text In this episode, we're joined by content creator Jordan (JayVSOP). He is the Online Financial Influencer of 2022, Co-Founder of the platform @sturdyoff, and online content creator. TOPICS COVERED - Apprenticeships - Growing the Sturdy-Off platform - How credit works and using it responsibly - Ways to make extra money - Jordan's journ…
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80. Investing In Property w/ Friends, Side Hustle Apps & Growing Your Wealth ft Sadia and Amanda
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Send us a text In this episode, we're joined by friends Sadia and Amanda. They have recently completed on an investment property together based in Liverpool and are going through the process of renovating the property. Support the show FOLLOW PENNIES TO POUNDS 💸 Instagram - https://www.instagram.com/penniestopoundspod/ Twitter - https://twitter.com…
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79. Creating Your Own Path, Internships & Entering The 9-5 World ft Shola West
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Send us a text In this episode, we're joined by Shola West - Media Week’s 30 Under 30 Newcomer, & TEDx speaker. Shola now works at Global Media Agency OMD UK as a Media Partnerships & Social Content Executive; her clients include Barclays, PepsiCo & Channel 4. She is also a Careers Content creator and has amassed a following of over 12k young peopl…
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78. How To Get The BEST Deals This Black Friday & Cyber Monday
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Send us a text This week's episode is sharing the top tips that you need to ensure that you're getting the best deals this Black Friday, Cyber Monday AND Travel Tuesday. Websites Mentioned: Price Spy, Price Runner, Idealo, Trolley.com Forums Mentioned: HotUKDeals Chrome Extensions Mentioned: Honey, Pouch, Karma, Price Tracker, Price Box, Klarna Sup…
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77. Earning Money From Walking? How YOU Can Make Extra £££ Monthly ft SaveWithElvs
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Send us a text This week we're joined by Elvire, a content creator specialising in money saving, entrepreneur and self-proclaimed side hustle queen. She talks us through her various side hustles and how you can make some extra cash today. TOPICS COVERED: - What are side hustles? - How much Elvire makes from her side hustles - Understanding taxes an…
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76. Pensions - Why You Need One, Generational Wealth & Saving For Your Kids ft Mr Money Jar
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32:30
Send us a text In this episode, we're joined by Mr Money Jar to talk about all things pensions. Pensions are important to understand whether you're 22 or 42 and this episode gives you the breakdown that you need. TOPICS COVERED: - What are pensions - How does the state pension work - How much do you need saved for retirement - Building generational…
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75. *BONUS* Understanding The Value Of Money & KEY Tips To Ace Your Finances ft Dad
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Send us a text This episode is a very special one as we're celebrating 3 years of Pennies To Pounds! To do this, Kia is joined by her dad to share some of his key financial tips. They discuss: - Budgeting methods - Buying cars on finance vs buying outright - The value of learning skills - Bad money habits that many people have and how to curb them …
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74. Tips To Master Your Finances For Gen Z ft Gen Z Club (Denzil, Austin & Poku Banks)
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Send us a text In this week's episode, we're joined by Denzil Jones, Austin Okolo and Poku Banks who make up the Gen Z Club. Gen Z Club is a platform that hosts monthly networking events for young people to learn and meet likeminded individuals. We discuss starting a business in your early 20s, money lessons to learn, how to start investing, side h…
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73. Behind The Creator - Building a 400,000+ Social Following & Reposted By Celebs ft Leoni Joyce
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Send us a text Welcome to episode 2 of our series Behind The Creator! This is the monthly series where we get behind the finer details of amazing people who have created amazing things. This week, we're joined by Leoni Joyce. Leoni is very well known for her creativity and unique editing style when it comes to her dance videos. Her videos have reac…
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72. How To Ace Booking Cheap Travel Abroad ft Jazz
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Send us a text This week we're joined by Jazz, a food and travel content creator. She talks to us about her travel hacks for travelling abroad, things to consider when booking flights abroad and all-inclusive travel vs booking separately. Follow Jazz on all platforms to stay up to date with her travel content: @lifeofjazz__ Support the show FOLLOW …
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71. Transferrable Skills From Unconventional Backgrounds ft Samuel Okusaga
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Send us a text In this week's episode, we're joined by Samuel Okusaga - a TEDx speaker, entrepreneur and founder of the platform Worth Of Mouth. He talks to us about the advantages of being disadvantaged and how young people are able to pitch themselves in corporate environments if from an unconventional background. FOLLOW SAMUEL: Instagram - @ceos…
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