Let’s Talk Money and More

Welcome to another episode of Let's Talk Money and More, where today we confront a topic silently impacting our financial well-being: the cost of inaction.Hosted by Lesley Thomas, this episode dives into how putting off financial decisions, hesitating to invest in ourselves, or avoiding uncomfortable money conversations can quietly drain our bank balances. Lesley explores why we procrastinate on money matters, unpacks the hidden impacts of delaying action, and addresses how fear often plays a role in our hesitation. Most importantly, she provides practical steps to help break free from this cycle.If you've ever told yourself you'll "do it later," this episode is your call to take action now and transform your financial future. Join us as we challenge the mindset of waiting and empower you to make proactive decisions today.Key Takeaways:Fear and Avoidance Are Costly: Avoiding financial decisions due to fear or discomfort doesn't save us trouble; it compounds it. Addressing money matters today, even imperfectly, is better than avoiding them altogether.Small Actions Lead to Big Results: Immediate action, no matter how small, can create financial momentum and opportunities for growth. It's a reminder that the perfect moment to start doesn't exist; the best time to take control is now.The Illusion of Time: We often deceive ourselves into thinking we have more time to make financial decisions. But delays only reduce our potential long-term benefits, like missing out on compound interest.Connect with Lesley ThomasFREE Resources www.themoneyconfidenceacademy.com/resources/Ways to work with me https://www.themoneyconfidenceacademy.com/work-with-me/My website www.themoneyconfidenceacademy.com/Join my Facebook Group www.facebook.com/groups/letstalkmoneyandmoreYoutube channel www.youtube.com/@themoneyconfidenceacademyFollow me on Instagram www.instagram.com/lesleythomascoaching/Connect with me on LinkedIn www.linkedin.com/in/lesley-thomasEmail me lesley@themoneyconfidenceacademy.comBook a Free 30 mins call with me - https://calendly.com/lesley-themoneyconfidenceacademy/30mins-121 Hosted on Acast. See acast.com/privacy for more information.

In this episode of "Let's Talk Money and More," host Lesley Thomas sits down with Nicole Louise Winer to delve into the intriguing world of money stories and entrepreneurial journeys.Nicole shares her personal money story, reflecting on her early experiences and how they shaped her mindset and business acumen. From childhood memories of financial struggles to the life lessons learned while working in corporate banking, Nicole's journey exemplifies the intertwine of personal growth and professional development. The conversation highlights the importance of setting boundaries in business, the role of technology in maintaining a work-life balance, and the courage it takes to transition from a corporate career to entrepreneurship.Join us in this insightful discussion as Nicole and Lesley explore the delicate dance between passion, purpose, and practicality in the world of business.Key Takeaways:Understanding Your Money Story: My personal journey with money has taught me the importance of challenging preconceived notions. It's essential to recognize how early experiences shape our financial habits and break free from the need to hustle unnecessarily.Setting Boundaries in Business: Clear boundaries with clients are crucial for maintaining a healthy work-life balance. Whether it's ensuring time off or managing expectations, it's all about protecting your time and energy.Embracing Passion in Your Work: My business blends my strengths and interests, offering immense purpose and fulfillment. However, it’s important to know when to step back, as turning what you love into what you do should not mean it consumes your entire life.Connect with Nicole Louise WinerLinkedIn: https://www.linkedin.com/in/nicole-winerWebsite: www.nicolelouiseonline.comConnect with Lesley ThomasFREE Resources www.themoneyconfidenceacademy.com/resources/Ways to work with me https://www.themoneyconfidenceacademy.com/work-with-me/My website www.themoneyconfidenceacademy.com/Join my Facebook Group www.facebook.com/groups/letstalkmoneyandmoreYoutube channel www.youtube.com/@themoneyconfidenceacademyFollow me on Instagram www.instagram.com/lesleythomascoaching/Connect with me on LinkedIn www.linkedin.com/in/lesley-thomasEmail me lesley@themoneyconfidenceacademy.com Hosted on Acast. See acast.com/privacy for more information.

Welcome back to the Let's Talk Money and More podcast with your host, Lesley Thomas.In the first solo episode of 2025, Lesley explores the powerful notion that "if you're not changing it, you're choosing it," and discusses its profound impact on our money mindset. Drawing inspiration from a recent strategy event, Lesley examines how conscious and unconscious choices shape our financial lives.Tune in as she breaks down practical steps to transform from feeling stuck to taking control of your financial future. Whether it's challenging limiting beliefs or celebrating small victories, this episode is packed with insights to help you become truly money and financially confident. Remember, where your mindset goes, your money grows!Key Takeaways:Awareness is the First Step: Recognize where you may be unconsciously choosing your current financial situation. Reflect on money habits you've accepted without change.Challenge Your Money Stories: Question long-held beliefs about money. Replace limiting thoughts with empowering alternatives and watch your mindset evolve.Embrace Progress Over Perfection: Setbacks are feedback, not failure. Celebrate every milestone in the journey of financial transformation.Connect with Lesley ThomasFREE Resources www.themoneyconfidenceacademy.com/resources/Ways to work with me https://www.themoneyconfidenceacademy.com/work-with-me/My website www.themoneyconfidenceacademy.com/Join my Facebook Group www.facebook.com/groups/letstalkmoneyandmoreYoutube channel www.youtube.com/@themoneyconfidenceacademyFollow me on Instagram www.instagram.com/lesleythomascoaching/Connect with me on LinkedIn www.linkedin.com/in/lesley-thomasEmail me lesley@themoneyconfidenceacademy.com Hosted on Acast. See acast.com/privacy for more information.

Welcome to another episode of "Let's Talk Money and More."Today, host Lesley Thomas is joined by Kate Hoyle, an inspiring entrepreneur who transitions from the corporate world to a career in hypnotherapy. Kate shares her insights on the challenges and rewards of running her own business and highlights the crucial role of resilience and skill acquisition in fields like finance, law, and marketing. The discussion delves into the importance of mindset and pricing in business, where Kate emphasizes practicing price confidence and understanding one's value while working with a diverse clientele, including young people. With fascinating stories about her parenting approach and promoting financial literacy, Kate stresses the empowerment that financial education brings, especially to youth facing socio-economic challenges.Join Lesley and Kate as they explore the impact of early intervention on young minds, debunk entrenched money myths, and celebrate the journey of embracing opportunities that redefine one's career path. So, grab a cup of coffee and tune in as we unpack Kate Hoyle's compelling money story!Key Takeaways:Resilience & Learning: Embrace the learning process in various sectors when running a business; these skills are crucial for long-term success.Early Financial Education: Teaching financial skills to young people is essential, offering empowerment and potential-breaking cycles of scarcity mentality.Opportunities & Growth: Be open to new opportunities and reflect on past experiences as valuable lessons that contribute to personal and professional growth.Connect with Kate HoyleFacebook: http://www.facebook.com/katehoylehypnotherapy/Instagram: http://www.instagram.com/katehoylehypnotherapy/LinkedIn: https://www.linkedin.com/in/kate-hoyle-8272079/Connect with Lesley ThomasFREE Resources www.themoneyconfidenceacademy.com/resources/My website www.themoneyconfidenceacademy.com/Join my Facebook Group www.facebook.com/groups/letstalkmoneyandmoreYoutube channel www.youtube.com/@themoneyconfidenceacademyFollow me on Instagram www.instagram.com/lesleythomascoaching/Connect with me on LinkedIn www.linkedin.com/in/lesley-thomasEmail me lesley@themoneyconfidenceacademy.com Hosted on Acast. See acast.com/privacy for more information.

Welcome to a special New Year's Eve episode of Let's Talk Money and More.Today, we are setting the stage for an incredible 2025 by helping you build a happier, healthier, and more confident relationship with money. Join host Lesley Thomas as she guides you through reflecting on your money wins of 2024, embracing growth intentions instead of resolutions, and adopting empowering money mantras. As the countdown to the new year begins, Lesley also shares ten financial mindsets to leave behind and invites you to envision a future where you feel completely confident about money.Whether you're tuning in from a festive celebration or a cozy spot at home, this episode is all about empowering you to start the new year with growth, empowerment, and confidence in your financial journey. Let's keep talking money and more as we welcome 2025!Key Takeaways:Mindset Matters: Embrace the mantra "Where mindset goes, money grows" – financial success is deeply rooted in your mindset and confidence.Progress Over Perfection: Don't wait for the perfect moment to begin. Starting your savings, investments, or budgeting now, even imperfectly, can pave the way for growth.Leave Fear Behind: As we step into 2025, let go of the fears around money conversations and comparisons – open yourself to opportunities and financial empowerment.Connect with Lesley ThomasFREE Resources www.themoneyconfidenceacademy.com/resources/My website www.themoneyconfidenceacademy.com/Join my Facebook Group www.facebook.com/groups/letstalkmoneyandmoreYoutube channel www.youtube.com/@themoneyconfidenceacademyFollow me on Instagram www.instagram.com/lesleythomascoaching/Connect with me on LinkedIn www.linkedin.com/in/lesley-thomasEmail me lesley@themoneyconfidenceacademy.com Hosted on Acast. See acast.com/privacy for more information.

Welcome to a special Christmas Eve episode of "Let's Talk Money and More."Today, our host, Lesley Thomas, invites you to pause from the holiday hustle and reflect on the true wealth in your life - not the financial kind, but the wealth of relationships, time, and simple moments of kindness. In this episode, Lesley steers away from the usual money talk to focus on connection, gratitude, and embracing imperfection this festive season. You'll be inspired to cherish what truly matters, set meaningful financial intentions for the New Year, and celebrate both small victories and the inherent magic of the season.Join Lesley for a heartfelt conversation that promises peace, joy, and a renewed sense of purpose this Christmas.Key Takeaways:Embrace Imperfection: Let go of the pursuit of a picture-perfect holiday. The true beauty of Christmas lies in the unexpected, messy, and unplanned moments that we share with loved ones.Give the Gift of Reflection: Take time to reflect on the past year and acknowledge your gratitude, resilience, and hopes for the future. Writing down these reflections can help you connect more deeply with your emotions and journey.Prepare Financially for the New Year: As the festive season winds down, it's a great time to review spending and set a single financial intention for the upcoming year. Consider building an emergency fund for peace of mind.Connect with Lesley ThomasFREE Resources www.themoneyconfidenceacademy.com/resources/My website www.themoneyconfidenceacademy.com/Join my Facebook Group www.facebook.com/groups/letstalkmoneyandmoreYoutube channel www.youtube.com/@themoneyconfidenceacademyFollow me on Instagram www.instagram.com/lesleythomascoaching/Connect with me on LinkedIn www.linkedin.com/in/lesley-thomasEmail me lesley@themoneyconfidenceacademy.com Hosted on Acast. See acast.com/privacy for more information.

Welcome to another inspiring episode of "Let's Talk Money and More." Today, we're joined by the remarkable Annie Bennett, a woman whose journey from a career in teaching to becoming a charity founder and entrepreneur is truly inspiring. Annie shares her personal money story, beginning with her upbringing in a comfortable home that valued wise spending and saving. Her narrative takes us through a significant career shift, prompted by health challenges, leading her to a new perspective on money as a means to achieve happiness rather than a goal in itself.In this episode, Annie opens up about her journey following a breast cancer diagnosis and her focus on living life fully and positively, refusing to let labels like "terminal" define her. We dive into the empowering themes of resilience, boundaries, and self-preservation, discussing the foundation of her charity supporting young adults who face the illness or loss of parents. Annie also shares her plans for a new podcast, "The Chronicles of Hope," and her upcoming book, highlighting her commitment to legacy and awareness.Join us as Lesley Thomas delves into Annie's influential approach to life and money, exploring how gratitude and a growth mindset contribute to a more fulfilling and abundant experience. Get ready for an uplifting conversation that shines a light on hope, resilience, and purpose. Tune in, and let's talk money and more with Annie Bennett.Key Takeaways:Embrace a Growth Mindset: Both Annie and I value resilience, determination, and the importance of nurturing passion to develop skills. It's not just about talent but effort and perseverance.Managing Life Changes with Positivity: Annie's diagnosis led her to focus on achievable goals and maintaining control over her life. Her perspective reshapes seemingly negative experiences into opportunities for growth.Redefining Money and Happiness: Our relationship with money has evolved from a sense of scarcity to one of gratitude. Annie's insights emphasize using finances as a means to support personal and familial happiness.Connect with Annie BennettBlog: https://anniebennett.co.uk/chronicles/Go Fund Me Link: https://gofund.me/94ad4707Connect with Lesley ThomasFREE Resources www.themoneyconfidenceacademy.com/resources/My website www.themoneyconfidenceacademy.com/Join my Facebook Group www.facebook.com/groups/letstalkmoneyandmoreYoutube channel www.youtube.com/@themoneyconfidenceacademyFollow me on Instagram www.instagram.com/lesleythomascoaching/Connect with me on LinkedIn www.linkedin.com/in/lesley-thomas Hosted on Acast. See acast.com/privacy for more information.

In this episode of the "Let's Talk Money and More" podcast, your host Lesley Thomas delves into the heart of the festive season, tackling the common challenge of financial stress at Christmas.As the holidays loom just weeks away, many find themselves overwhelmed by the pressure to spend beyond their means. But fear not, because Lesley is here to guide you towards a more joyful and budget-friendly holiday experience. Discover practical tips, mindset shifts, and creative gift-giving ideas to help you cherish the spirit of connection and kindness without the burden of financial strain.Get ready to embrace a Christmas that focuses on meaning, not money, as Lesley shares valuable insights on setting realistic budgets, the power of DIY gifts, and simplifying traditions to create a truly memorable and stress-free season. Tune in and learn how to enjoy the festive cheer while keeping your peace of mind and finances intact.Key Takeaways:Reframe Your Mindset: Focus on the spirit of the season by finding meaning in connection rather than gifts, and allowing creativity to flourish in your giving.Create and Stick to a Budget: Develop a realistic budget that reflects your holiday priorities, empowering you to maintain control over your finances and embrace self-care.Simplify and Plan Ahead: Look for creative gift-giving approaches like DIY presents, and simplify traditions to focus on what truly brings joy, ensuring less stress and more enjoyment.Connect with Lesley ThomasFREE Resources www.themoneyconfidenceacademy.com/resources/My website www.themoneyconfidenceacademy.com/Join my Facebook Group www.facebook.com/groups/letstalkmoneyandmoreYoutube channel www.youtube.com/@themoneyconfidenceacademyFollow me on Instagram www.instagram.com/lesleythomascoaching/Connect with me on LinkedIn www.linkedin.com/in/lesley-thomasEmail me lesley@themoneyconfidenceacademy.com Hosted on Acast. See acast.com/privacy for more information.

Welcome to this episode of "Let's Talk Money and More," where we delve into personal finance stories and the entrepreneurial journey.Today, we welcome Baiju Solanki, a dynamic entrepreneur, psychologist, and insightful speaker, to discuss his "money story" and the impactful lessons he's learned along the way. Baiju shares his journey from a high-paying corporate job to becoming a successful entrepreneur, a transition spurred by a profound desire for fulfillment and the challenge of overcoming subconscious barriers about wealth. The conversation covers the dual mindset of motivation and faith, the concept of microeconomics amidst macroeconomic challenges, and personal growth's emotional and practical impacts.Key Takeaways:Mindset and Money: Baiju's journey from a corporate career to entrepreneurship highlighted how subconscious beliefs about wealth can create invisible barriers. Understanding and addressing these beliefs is crucial for financial success.Embrace Change: Both Lesley and Baiju emphasize the importance of adaptability. Whether facing economic challenges or seizing unexpected opportunities, being prepared and open to change is key to thriving.Microeconomics Influence: Focus on what you can control—lead generation, sales, and product launches. This proactive approach in microeconomics builds resilience and cushions the impact of larger macroeconomic conditions.Connect with Baiju SolankiX: https://twitter.com/BaijuSolankiFacebook: https://www.facebook.com/baiju.solankiLinkedIn: https://www.linkedin.com/in/baijusolanki/Instagram: https://www.instagram.com/baijusolanki/YouTube: https://www.youtube.com/user/baijusolanki/videosTEDx Talk: https://www.youtube.com/watch?v=HA-TFRXRWPY&t=48sConnect with Lesley ThomasFREE Resources www.themoneyconfidenceacademy.com/resources/My website www.themoneyconfidenceacademy.com/Join my Facebook Group www.facebook.com/groups/letstalkmoneyandmoreYoutube channel www.youtube.com/@themoneyconfidenceacademyFollow me on Instagram www.instagram.com/lesleythomascoaching/Connect with me on LinkedIn www.linkedin.com/in/lesley-thomasEmail me lesley@themoneyconfidenceacademy.com Hosted on Acast. See acast.com/privacy for more information.

In this episode of Let's Talk Money and More, host Lesley Thomas delves into the crucial topic of money confidence through her innovative B.A.L.A.N.C.E framework.Having recently introduced it to a group of young performers transitioning to financial independence, Lesley underscores its universal applicability for anyone seeking to enhance their money management skills. This episode guides listeners through the framework's seven key principles: Building savings, Assessing needs versus wants, Learning to earn, Aligning spending with goals, Saying no to impulses, Contributing to others, and Evaluating regularly.Join Lesley as she provides insights on how to cultivate a balanced approach to financial growth and maintain money confidence, encouraging listeners to submit their questions for future episodes as the podcast approaches its three-year anniversary.Key Takeaways:B is for Building Savings: Begin with a solid foundation by accumulating savings. It's not just about a safety net; it's about fostering peace of mind and financial resilience for the future.N stands for No to Impulses: Learning to say no is crucial. Identifying emotional triggers and practicing mindful spending can significantly impact your financial goals.E means Evaluate Regularly: Consistently revisiting and adjusting your financial plans ensures you remain aligned with your objectives and enhances your confidence in managing your finances.Connect with Lesley ThomasFREE Resources www.themoneyconfidenceacademy.com/resources/My website www.themoneyconfidenceacademy.com/Join my Facebook Group www.facebook.com/groups/letstalkmoneyandmoreYoutube channel www.youtube.com/@themoneyconfidenceacademyFollow me on Instagram www.instagram.com/lesleythomascoaching/Connect with me on LinkedIn www.linkedin.com/in/lesley-thomasEmail me lesley@themoneyconfidenceacademy.com Hosted on Acast. See acast.com/privacy for more information.

Welcome to another episode of "Let's Talk Money and More!"Today, we're diving into the world of personal finance with our insightful guest, Antonia Medlicott. Antonia shares her compelling "money story," starting from her childhood experiences in an expat family in Asia to her current passion for financial education and empowerment. We'll explore the importance of making investment accessible for all, regardless of financial status, and the crucial role of early financial education for young people. Antonia and our host, Lesley Thomas, discuss the pressing need for better financial literacy to help prevent financial mismanagement and debt, particularly among university students. They highlight practical strategies for parents to prepare their children for future financial independence, such as investing in Junior ISAs, and emphasize the importance of engaging in open and informative conversations about money at home.Join us as we unravel the impact of financial education, make informed decisions about higher education, and discover alternatives to university, all while empowering the next generation with financial confidence.Key Takeaways:Investment Accessibility: You don't need to be wealthy to start investing. As highlighted by Antonia, and agreed upon by Lesley, even a small amount like a pound can be your entry ticket to the stock market. It's about taking those initial steps and breaking the myth that investing is only for the affluent.Financial Education for the Youth: We discussed the pressing need for better financial education for young people. Understanding budgeting, saving, and the true cost of living can equip them to navigate the financial world more confidently and avoid falling into debt traps, especially when transitioning to university life.Alternatives to Traditional Education Paths: The episode also touched on exploring non-traditional paths, like degree apprenticeships, as viable alternatives to university. These options can prevent student debt while still offering valuable learning and earning opportunities.Connect with Antonia MedlicottWebsite: https://investinginsiders.co.uk/LinkedIn: www.linkedin.com/in/antonia-medlicott-founderandmdX: https://x.com/AMedlicottConnect with Lesley ThomasFREE Resources www.themoneyconfidenceacademy.com/resources/My website www.themoneyconfidenceacademy.com/Join my Facebook Group www.facebook.com/groups/letstalkmoneyandmoreYoutube channel www.youtube.com/@themoneyconfidenceacademyFollow me on Instagram www.instagram.com/lesleythomascoaching/Connect with me on LinkedIn www.linkedin.com/in/lesley-thomasEmail me lesley@themoneyconfidenceacademy.com Hosted on Acast. See acast.com/privacy for more information.

In this episode of "Let's Talk Money and More," we're diving deep into the intriguing world of money mindset with the remarkable Lesley Thomas.As a dedicated money and mindset coach, Leslie specializes in empowering ambitious female entrepreneurs to break free from limiting financial identities and embrace their true worth. Her philosophy is built around the powerful concept that our financial reality mirrors our beliefs and identity. Leslie guides clients in uncovering and reframing subconscious beliefs, employing techniques like visualization to craft new financial narratives. We'll explore her unique blend of practical financial strategies with profound mindset work and delve into her personal journey from confidence coaching to becoming a beacon for financial empowerment. Prepare to be inspired by Leslie's insights, actionable steps, and her passion for helping women thrive financially, contributing to stronger communities and a more equitable world.Join us for an exploration of how mindset, self-belief, and consistent action come together to shape a more abundant financial future.Key Takeaways:Financial Reality Reflects Our Identity: Leslie emphasizes that our thoughts and beliefs about money shape our financial experiences. By uncovering and challenging limiting financial identities, we can make empowered decisions.Consistent Small Actions Lead to Big Results: Leslie stresses the importance of integrating small daily habits, like reviewing finances or using affirmations, into your routine to build sustainable financial confidence.Self-Worth is More Than a Bank Balance: Recognizing inherent worth beyond financial status is crucial. Leslie encourages separating self-worth from net worth to make clearer decisions free from fear or shame.Connect with Lesley ThomasFREE Resources www.themoneyconfidenceacademy.com/resources/My website www.themoneyconfidenceacademy.com/Join my Facebook Group www.facebook.com/groups/letstalkmoneyandmoreYoutube channel www.youtube.com/@themoneyconfidenceacademyFollow me on Instagram www.instagram.com/lesleythomascoaching/Connect with me on LinkedIn www.linkedin.com/in/lesley-thomasEmail me lesley@themoneyconfidenceacademy.com Hosted on Acast. See acast.com/privacy for more information.

Welcome to another enlightening episode of "Let's Talk Money and More."Today, we delve into an intriguing conversation with our special guest, Jutta Wohlrab, a professional midwife with a profound financial story. Through her personal journey, Jutta reveals how money is simply energy, and discusses the pivotal role of mindset in shaping our financial reality. She shares her insights on achieving financial independence, particularly within relationships, and emphasizes the importance of women maintaining personal financial autonomy.Throughout the episode, we explore Jutta’s experiences in women’s health, her investment ventures, and her inspiring mindset shifts, all while addressing historical and societal challenges women have faced in gaining financial independence. Join us as we uncover strategies for overcoming limiting beliefs, the significance of financial education, and the power of philanthropy. Plus, discover how modern women are balancing careers and family with financial empowerment.Get ready for an episode filled with actionable insights and stories that can change your perspective on wealth and independence.Key Takeaways:Financial Independence as Security: Maintaining separate financial accounts provides autonomy and security within relationships, crucial for personal empowerment.Mindset Shifts Create Change: Changing limiting beliefs about money can significantly impact financial outcomes and personal growth. Jutta's transformation through NLP is a testament to this powerful shift.Role of Women in Economics: Women's financial resources can drive positive community impact and economic growth. Education and financial literacy for women are essential for future success.Connect with Jutta WohlrabWebsite: juttawohlrab.comEmail: jutta@juttawohlrab.comFacebook: www.facebook.com/EOBJW/LinkedIn: www.linkedin.com/in/juttawohlrab/X (Twitter): twitter.com/JuttaWohlrabInstagram: www.instagram.com/juttawohlrab/YouTube: www.youtube.com/channel/UCGeC5-6CP3JfS9nmaSzCpxwConnect with Lesley ThomasFREE Resources www.themoneyconfidenceacademy.com/resources/My website www.themoneyconfidenceacademy.com/Join my Facebook Group www.facebook.com/groups/letstalkmoneyandmoreYoutube channel www.youtube.com/@themoneyconfidenceacademyFollow me on Instagram www.instagram.com/lesleythomascoaching/Connect with me on LinkedIn www.linkedin.com/in/lesley-thomas Hosted on Acast. See acast.com/privacy for more information.

Welcome to another insightful episode of the Let's Talk Money and More podcast with your host, Lesley Thomas.In today's discussion, we're diving into a topic many business owners shy away from, yet it is one we simply cannot ignore: ensuring you get paid on time. With late or unpaid invoices becoming increasingly common, I'll be sharing my top strategies to handle these situations with confidence and prevent them from recurring in the future. From setting clear payment terms from the outset to knowing when and how to escalate matters if necessary, we will cover it all. So, whether you're grappling with delayed payments or wish to fortify your systems for seamless financial transactions, this episode is packed with practical tips to help protect the financial health of your business.Stay tuned as we explore how to manage these challenging conversations and establish financial boundaries that work for you.Key Takeaways:Set Clear Payment Expectations: Establish crystal-clear payment terms from the start of your client relationships. Transparency helps prevent the dreaded ‘forgotten’ invoice.Prompt and Professional Invoicing: Consistently invoice your clients promptly and professionally. A reliable invoicing tool can aid in tracking payments and sending automatic reminders.Don’t Shy Away from Difficult Conversations: If payments are delayed, have the conversation. Stay calm and professional, and consider offering revised payment plans if needed. Always prioritize understanding and empathy.Connect with Lesley ThomasFREE Resources www.themoneyconfidenceacademy.com/resources/My website www.themoneyconfidenceacademy.com/Join my Facebook Group www.facebook.com/groups/letstalkmoneyandmoreYoutube channel www.youtube.com/@themoneyconfidenceacademyFollow me on Instagram www.instagram.com/lesleythomascoaching/Connect with me on LinkedIn www.linkedin.com/in/lesley-thomasEmail me lesley@themoneyconfidenceacademy.com Hosted on Acast. See acast.com/privacy for more information.

Welcome to another engaging episode of "Let's Talk Money and More," where financial literacy meets practical advice.Today, host Lesley Thomas sits down with financial planner TJ van Gerven to explore the intriguing world of money stories. Drawing from TJ's unique personal and professional journey, they delve into the psychology of finances, the trends shaping our economic realities, and the transformative power of strategic financial planning.TJ shares his compelling "money story," influenced by his parents' contrasting financial backgrounds, and reveals his mission to help others wield money as a powerful tool. Together, they discuss the critical importance of living below one's means, the benefits of automated investments, and the nuanced decisions around property ownership. TJ also provides insights into his innovative approach to financial planning, leveraging technology to cater to younger clients with substantial incomes but minimal investable assets.From understanding the implications of high-interest rates on mortgages to embracing a fixed-fee business model, TJ's forward-thinking strategies offer invaluable lessons for navigating financial challenges in today's world. Join us as TJ van Gerven unpacks these topics and more, helping us build a future of financial stability and independence.Key Takeaways:Tracking and Tools: Begin by tracking your finances without changes to understand your situation, and use tools like Monarch Money to manage cash flow effectively.Invest with Optimism and Discipline: Consistently invest in assets by automating your investments. Maintain a disciplined approach and realistic expectations about long-term returns.Rethink Traditional Norms: TJ discusses the emerging trend of choosing renting over property ownership, influenced by factors like high interest rates and flexible lifestyles. Evaluate your motives for purchasing property beyond societal expectations.Connect with T.J. van GervenWebsite modernwealthbuilders.comTwitter @tjvanervenConnect with Lesley ThomasFREE Resources www.themoneyconfidenceacademy.com/resources/My website www.themoneyconfidenceacademy.com/Join my Facebook Group www.facebook.com/groups/letstalkmoneyandmoreYoutube channel www.youtube.com/@themoneyconfidenceacademyFollow me on Instagram www.instagram.com/lesleythomascoaching/Connect with me on LinkedIn www.linkedin.com/in/lesley-thomasEmail me lesley@themoneyconfidenceacademy.com Hosted on Acast. See acast.com/privacy for more information.

Welcome to another insightful episode of Let's Talk Money and More with your host, Lesley Thomas.Despite battling a croaky throat today, Lesley is diving deep into a topic that affects us all—fear. We're exploring how fear can be a barrier in our personal lives, professional growth, and importantly, our relationship with money. Through personal stories and practical advice, Lesley encourages listeners to confront the fear of failure and regret to unlock their full potential. Tune in as we challenge you to reflect on what holds you back and how you can take steps to conquer your fears for a more prosperous and fulfilling life. Remember, where mindset goes, money grows.Key Takeaways:Identify and Name Your Fear: Understand what you are truly afraid of – is it failure, judgment, or financial loss? Naming it is the first step to conquering it.Assess and Visualize: Contemplate the cost of inaction. Visualize both scenarios: staying stuck versus moving past the fear, and let the vision of your best potential guide you.Embrace and Reframe Failure: Recognize failure as a part of the journey and a stepping stone toward success. Every mistake is a lesson that propels you closer to your goals.Connect with Lesley ThomasFREE Resources www.themoneyconfidenceacademy.com/resources/My website www.themoneyconfidenceacademy.com/Join my Facebook Group www.facebook.com/groups/letstalkmoneyandmoreYoutube channel www.youtube.com/@themoneyconfidenceacademyFollow me on Instagram www.instagram.com/lesleythomascoaching/Connect with me on LinkedIn www.linkedin.com/in/lesley-thomasEmail me lesley@themoneyconfidenceacademy.com Hosted on Acast. See acast.com/privacy for more information.

In this episode of "Let's Talk Money and More," I am joined by the fabulous Dr Joanna Martin, the founder and award winning CEO of One of Many and author of the best selling book ‘Superwoman: Escaping the Myth."Jo shares her journey from medicine to acting and ultimately coaching, and the financial highs and lows, teaching her invaluable lessons along the way.Jo and I discuss overcoming limiting beliefs, balancing risks, and the importance of financial education, particularly for women.Key Takeaways:Open Financial Discussions: Create a safe space to talk about money with children. Sharing without distress can lay strong financial foundations.Empowering Women: Financial empowerment for women can catalyze community impact. Equip them with knowledge to invest and lead.Structured Sustainability: Building scalable businesses helps prevent burnout, allowing personal growth and a sustainable work-life balance.We had such an empowering conversation, link to the episode can be found below.Connect with Dr Joanna MartinWebsite https://joannamartin.com/Instagram https://www.instagram.com/drjoannamartin/Linkedin https://www.linkedin.com/in/joannamartin/Connect with Lesley ThomasFREE Resources www.themoneyconfidenceacademy.com/resources/My website www.themoneyconfidenceacademy.com/Join my Facebook Group www.facebook.com/groups/letstalkmoneyandmoreYoutube channel www.youtube.com/@themoneyconfidenceacademyFollow me on Instagram www.instagram.com/lesleythomascoaching/Connect with me on LinkedIn www.linkedin.com/in/lesley-thomasEmail me lesley@themoneyconfidenceacademy.com Hosted on Acast. See acast.com/privacy for more information.

Welcome back to Let's Talk Money and More! I'm your host, Lesley Thomas.In today's episode, we're diving deep into the journey of transforming your relationship with money. Inspired by a conversation with a client, I'll share my own financial journey, from taking money for granted to understanding its power. We'll discuss overcoming financial barriers, the importance of setting goals, and practical steps to build financial confidence. Whether it's visualizing your future self, celebrating small wins, or preparing for setbacks, this episode is packed with actionable insights to help you grow your money mindset. Stay tuned, because where mindset goes, money grows!Key TakeawaysAcknowledge Your Starting Point: Before making any changes, it's crucial to understand your current relationship with money. Is it driven by fear or excitement? Celebrating the decision to improve this relationship is already a big step forward.Visualize Your Financial Future: Spend a few moments each day imagining a financial life filled with confident decisions and less stress. Visualization helps shift your mindset from fear to possibility. Not sure where to start? I'm happy to share one of my guided visualizations—just drop me an email.Set Clear, Achievable Goals: Identify your key money goals—whether it's building savings, reducing debt, or gaining control over spending. Setting a singular, clear goal can focus your efforts and motivate you to take action without feeling overwhelmed.Connect with Lesley ThomasFREE Resources www.themoneyconfidenceacademy.com/resources/My website www.themoneyconfidenceacademy.com/Join my Facebook Group www.facebook.com/groups/letstalkmoneyandmoreYoutube channel www.youtube.com/@themoneyconfidenceacademyFollow me on Instagram www.instagram.com/lesleythomascoaching/Connect with me on LinkedIn www.linkedin.com/in/lesley-thomasEmail me lesley@themoneyconfidenceacademy.com Hosted on Acast. See acast.com/privacy for more information.

Welcome to Episode 159 of "Let's Talk Money and More"! I'm your host, Lesley Thomas, and today we have a fascinating discussion lined up with our special guest, Rocky. In this episode, we'll explore some pressing financial topics, from the UK’s end-of-financial-year spending pressures to essential tips for managing excess funds in the US.Rocky shares his profound insights on how maintaining financial security can lead to personal contentment and how he's transitioned to a lifestyle focused on enjoying life, maintaining health, and personal growth. We dive into the psychological aspects of money, exploring how societal pressures and historical factors influence our financial behaviors. Rocky also sheds light on the Profit First principle, a game-changing approach that prioritizes building cash reserves for businesses, ensuring long-term stability and success.Whether you're an entrepreneur struggling with cash flow issues or simply someone eager to improve your financial literacy, this episode is packed with practical advice and thought-provoking discussions. Tune in, and let's learn how financial health can pave the way for a richer, more satisfying life. Don't forget to like and share if you find our conversation valuable!Key Takeaways:End-of-Year Spending vs. Building Reserves (UK Focus): We discussed the pressure UK businesses face to spend remaining budgets before the financial year ends. Rocky highlighted the importance of building cash reserves instead of wasteful spending.Psychology of Money: Discover the impact of financial literacy (or lack thereof) on self-confidence and business success. We explored how deep-seated beliefs and money stories influence financial behavior and decision-making.Profit First Method: Rocky shared the transformative principle of "Sales - Profit = Expenses" over the traditional model. This simple yet powerful shift can help businesses prioritize profitability and build financial resilience.Connect with Rocky LalvaniLinkedin: https://www.linkedin.com/in/rocky-lalvani/Website: https://profitcomesfirst.com/Podcast: https://profitanswerman.libsyn.com/Connect with Lesley ThomasFREE Resources www.themoneyconfidenceacademy.com/resources/My website www.themoneyconfidenceacademy.com/Join my Facebook Group www.facebook.com/groups/letstalkmoneyandmoreYoutube channel www.youtube.com/@themoneyconfidenceacademyFollow me on Instagram www.instagram.com/lesleythomascoaching/Connect with me on LinkedIn www.linkedin.com/in/lesley-thomas Hosted on Acast. See acast.com/privacy for more information.

Welcome to another insightful episode of "Let's Talk Money and More" with your host, Lesley Thomas.In today's episode, we delve into the fascinating and crucial topic of our relationship with money. Lesley explores how our money mindset, often shaped by the age of seven through beliefs passed down by our parents and caregivers, impacts our financial behaviors and decisions. She guides us in identifying limiting beliefs and transforming them into empowering ones, encouraging us to reflect on our earliest money memories and their lasting influence.Join us as we take actionable steps to rewrite our money stories, align our financial actions with our goals, and ultimately, enhance our financial confidence and success. Get ready to transform your relationship with money because where mindset goes, money grows!Key TakeawaysEarly Money Beliefs: Our relationship with money is often shaped by the age of 7, inherited from our parents or caregivers. Understanding these early beliefs can help uncover the roots of our current financial behaviors.Reframing Limiting Beliefs: Identify the three words that come to mind when you think about money. If they're not supportive, redefine them and set actionable steps to foster a positive money mindset.Constant Evaluation: Regularly reflect on your money story. Align your actions with your financial goals by challenging and changing unhelpful patterns, ensuring your beliefs empower rather than hinder your financial progress.Connect with Lesley ThomasFREE Resources www.themoneyconfidenceacademy.com/resources/My website www.themoneyconfidenceacademy.com/Join my Facebook Group www.facebook.com/groups/letstalkmoneyandmoreYoutube channel www.youtube.com/@themoneyconfidenceacademyFollow me on Instagram www.instagram.com/lesleythomascoaching/Connect with me on LinkedIn www.linkedin.com/in/lesley-thomas Hosted on Acast. See acast.com/privacy for more information.