Money • Mindset • Mother

Hi everyone! 

Wow, what a year of crazies in the financial world & as always volatilities, particularly for crude oil & bitcoin! 

Here are some powerful opportunities for 2023 to help mitigate the stuff that’s closest-to-home such as Rate Rises causing lending costs to rocket , the Cost Of Living which has gone through the roof & Energy Bills leaving some with heat or eat conundrums.

REMEMBER REMEMBER

1. Don’t lose sight of what you want 👀 
2. Keep dreaming creating goals , vision boards or whatever works for you 🙏
3. Stay consistent with the healthy money habits 🎢 
4.  Embrace professional development to push yourself into a higher earnings bracket 🏫 
5. Stay in your lane, focus on you📍 
6. Endeavor to earn more than you spend 😁 

We thank YOU for all your support & following on this account; whether you were a student on our Level-Up program, a co-hosting inspirational guest , a podcasting friend enriching our listeners, an IG live collaborator seizing those tech moments !! 🤣 Lastly & most importantly a big cheers 🥂 to all our incredible clients who have turned their financials around For-The-Better!!! This is what the coaching & mentoring is all about , bottom line , so if you don’t work with a financial expert currently but feel this is what you need to shift your mindset then please find a coach or if you like the look of us , get in touch 📲 

Happy New Year!!! 

Love & Hugs 

Kate & Co # # #

What a great podcast with our guest the lovely who joined our chat today everything money & mindset !

Takeaways?

A must read book 📚 ‘Habit Stacking’ by S J Scott .

Laura’s go-to money mantra “ I am grateful I attract abundance effortlessly” 💚

Advice to her younger self .. Not to be afraid of taking risks ! What’s the worst case scenario ask yourself 🤔

Budget advice in a nutshell 🤑

• Increase income
• Decrease outgoings
• Save or Invest the in-between

Charities & debt in Tennessee in particular was a geographical question that popped up 💰 take a look at as a starting point as you want to find genuine resources & charities which will NOT cost you to enhance your personal finances.

With regards to a Junior ISA I cannot find a like for like in the states . ROTH IRA’s appear an option but solely for retirement. Anyone reading this from the USA feel free to share your knowledge for mothers? could you offer a sense of direction please? 🙏

Yesterday I had the pleasure of co-hosting my weekly MONEY CLINIC on the with & of

This was a super informative conversation with the ability to inspire women build that extra

Lianne shared a way for you to enhance your monthly household income for those pesky essential then non-essential expenses!

Why? With financial markets all over the place, inflation at 10%+, UK base rate 3% & USA 3.75% we need to help & find so solutions to increasing their ! ARBONNE is one way. Interested in finding out more? Connect directly with Lianne to chat this through, no obligation, free call & a chance to embrace a potential opportunity to make more money, no qualifications required, working from home, flexible , mentor & more !!

If you missed this awesome interview here are some highlights:

**Biggest financial hurdles**

1. Too much month at the end of the money
2. Paying off & keeping off credit card debt
3. Saving for house renovations

**Money Mantra**

“Everything is working out for me “

**Advice to her younger-self**

Start your own business & become an entrepreneur to be able to live life on your terms !

**Best investment**

“My ARBONNE business”

MAMAS, just for fun, what advice would you give your younger self? 😜

Hello everyone & newbies ! My jaded look, apologies . Photo credit Lucia, age 6 👌

Today’s seriously good takeaways are listed below after interviewing the extremely talented
Former consumer lawyer, Founder of Hoops Finance & with her superhero cape tied firmly on, mortgage broker extraordinaire!!

TIPS ⬇️

1. If you don’t ask, you don’t get. Make it your mission but back-up-your-reasons-why.
Example, salary increment.

2. Don’t leave financial application forms such as Child Benefit (national insurance stamps for state pension) or Junior ISA’s (tax efficient nest-egg) until after you’ve had the baby, complete & set-up as much as poss BEFORE your baby comes along.

3. If planning on being out of work for sometime ensure you plan expenses Pre & Post baby to manage expectations, budgets, return-to-work planning, nursery/childcare registrations, pension contribution ‘continuity’ while absent from earning money yet still building your pension pot whilst at home with the kids (if possible)!!

4. Utilise GOV.UK website for information such as tax free childcare, maternity allowances or statutory maternity pay. What else can you qualify for ?

5. Renters - Try & rent for very little whilst saving for a mortgage. Share with family or friends, rent the smallest room, live further out to keep costs down so more money for saving.

6. Pensions - Cross-check you have info in all historical pensions. Use your CV to backtrack . Check what you opted into. These legacies are your future income in retirement. Contact the Pension Tracing Service 0800 731 0193 for help.

Which of these are you needing to address?

today was with on the app.

My summery to you lovely followers :

1. Go follow Dr Alice for nutritional advice & education to give yourself that self care you deserve !!

2. Three of Alice’s biggest hurdles ? Childcare (crushing) , starting a private practice (such a leap) , buying & upscaling a property & mortgage in this crazy financial climate we are in the thick of (scary but fingers crossed , the investment should pay off over time).

3. Dr Alice’s “ignorance is NOT bliss” who agrees? Me !!
Starting to build your financial game plan asap is prudent for financial independence, financial freedom & financial security .

4. Advice to her younger self “Looking back , saving & investing little & often would of made a significant difference” . This is a habit we need to adopt as soon as we start to .

5. Best investment & why? “Investing in myself “ ❤️❤️❤️
We forget as mothers, we are often the glue ! If we do not invest in ourselves we are doing a disservice to our kids & family. right here 👈

What’s your biggest takeaway from these fab 5?

Team Kate & Co

Earlier this week I had the pleasure of interviewing Mabel, of instagrams sensation of

I promised listeners on our to share the discussed within the Money Clinic for who tuned in.

* TAKEAWAYS *

1. Mabel’s three biggest hurdles when starting out were her introvert personality, her analytical mindset & immigrant mentality of which she has more then overcome..

WHATS YOUR 3 BIGGEST FINANCIAL HURDLES? write these down 😍

2. Mabel’s “Live, Save, Invest” Frugality pays off to do the fun stuff!

WHATS YOUR MANTRA? write this down 😍

3. Advice to her younger self - Start investing small & as young as possible to earn that magical

HOW MUCH DO YOU INVEST REGULARLY? this could be into a pension or ISA, a 401K or mutual funds or a custodial account for your child - write these down 😍



Kate & Co x

5 Reasons To Work With A Financial Coach 👇

👯‍♀️ Your coach is your accountability partner
🚘 Your coach puts you in the drivers seat
🖤 Your coach helps you identify values
🔎 Your coach helps you identify perspective
📣 Your coach is your biggest cheerleader

Individuals, HR & Corporates 🆘 If you seek Financial-Wellbeing VIP 1:1’s or WORKSHOPS please connect: [email protected]

🎙 The power of podcasting 🎙

This week I hosted a super inspirational & motivated Money Clinic to our . I was lucky enough to secure to join our honest chat about & . Anna runs a multiple six figure financial brokerage with 30 licensed agents serving across all 50 states & the best bit? Wait for it .. 🥁 they do NOT charge the consumer for their advice!!

Some takeaways 👇

• Pay Yourself First
• Mindset is everything
• Affirmations crucial to letting YOUR money flow
• Nurture; love your money & it’ll love you back 🌱
• Mix with people more successful than you
• Ask questions
• Ask for
• Get financially literate with educational podcasts / videos /workshops etc
• Student Loan repayment criteria find at gov.uk 🇬🇧 or OPM.gov 🇺🇸
• Learn the meaning of TODAY!!

SIDENOTE-I’m running VIP Workshops to help you get your 🤑ducks lined-up. If interested please DM the word

Kate xx

Whether you want to be a mum, you’re about to be a mum or you are a mum - Tune in to my live 🎙 TODAY🎙 on the awesome app that serves over 3 million women globally !!

We’ll be LIVE (Monday 12th), 9am eastern time 🇺🇸 2pm BST 🇬🇧

Link 👇

https://peanut.app.link/5AOXkGN9Wsb

Today we are super lucky to have FOUNDER Meg Murray Jones as our guest . This session is alllll about talking honestly Re 4️⃣

💜 Get inspired by Meg’s recent startup/turned super successful business! Do you have an idea you’d love to persue?

💜 Tag a mate, who you think would love this ! Sharing is caring.

💜 Don’t be shy & bring a question ! An opportunity for you to pick Meg’s brains.

See you there , Kate xx

Today are dear Queen Elizabeth 2nd sadly passed away peacefully. She will join the love of her life in the heavens above. This really is the end of an era 👑 🇬🇧 V weird not to be home in London. Thank you for all you have done for our country your majesty. RIP ❤️
1926-2022

RECAP ** todays podcast 👇

🤨 COMMON MYTHS 🤔

• planning is for when you are old

~ Not at all ! The younger you start the better, think of the compound interest & free money from employer & government called tax relief !

~ Locate your old pensions with previous employers; track with your national insurance/ social security number

~ helpful sites
Gov.Uk
The Pension Tracing Service or equivalent


• I can’t afford & it’s a waste of

~ Really? Take a look at your bank statement in the last 30 days & highlight your non-essential spending (Netflix or other not so important subscriptions) to see if these costs could of covered a life insurance premium ?

~ If anything happened to you or your partner do you have a lump sum to keep a roof over your dependents heads until they reach age 18? Life insurance does this. It pays out a lump sum (sum assured) in the event of death or a critical illness (specifics noted in your policy documents) .

~ Speak to one of the following specialists to chat through your life insurance needs & your affordability, something is better than nothing:


A mortgage broker such as
An independent financial adviser if you check out your regulator directory or or the equivalent 🌎 for a broker

• You have to be in the first place to build

~ nonsense ! But consistency is everything. Start small. $1 or £1 every day/week/month into savings or investing (with an expert).

~ If you have a retirement account, you are an investor already !

~ Your financial goals should form part of your monthly expenses ie pay yourself first!!

: stick this into google & you’ll find a ton that offer thus tool!

* FEEL GOOD-5 *

Good morning, hoping everyone in the UK had a fun & rested bank holiday Monday ☀️

FEEL GOOD- 5 is five easy to help you better👇

1. the maximum amount of with a decent . Search for the best deal on a comparison site But always try to pay your CC balance in full each month so you do NOT incur the ridiculous APR / borrowing costs. Discipline is key here! 😬

2. Clear your faster if you qualify for a 0% balance transfer/zero interest on a credit card. Why pay more interest if you don’t have to? Also, a
Debt Snowball Calculator can help you itemise any liabilities & plan for your Debt-Free-Day. Planning is EVERYTHING to stay on track or just get you back on track! 😅 Free up those monthly repayments so you have MORE liquidity for your financial goals 🤩

3. Ensure you LIKE A !!!
What is coming-in (paycheques)
What is going-out (essentials)
&
What is going-out-out (non-essentials)!! 🧐
Keep these three objectives in SEPARATE bank accounts for simplicity so you can truly measure your affordability! ✔️

4. Do a quick online search 👀 today to check you are banking for free & make the most of the current interest rate hikes if you have savings in cash. Who is paying the best interest on savings? 🏦

5. Go back to your last appraisal. What do you need to do to boost your ? What online courses can you take in your spare time to up your game & increase your ? If you can enhance certain skills & deliver beyond expectations, bingo! 🤑

How many of these hacks are you smashing so far?

Which one will you focus on this week to get yourself ready for Sep’2022.. we are at the tale end of quarter 3 in the financial world so all goals get a big push now 💥

Need help? DM xx Kate