First off, how are you and how is your 2021 going?
I’m good thank you! 2021 has been pretty hectic so far but I won’t complain. Every day has brought something new which is really exciting. Since the new year, we have introduced a new rebrand for All Things Money, launched two new products, and have released a brand-new podcast. Now that lockdown is starting to ease, I am really excited to see how the rest of 2021 goes. (Fingers crossed there are no more lockdowns on the horizon though…!)
Can you tell us about All Things Money and what you provide?
All Things Money is a personal finance platform that is designed to discuss all of the personal finance topics we weren’t taught at school or university from budgeting, saving, investing and everything in between!
Adulting life can be extremely daunting as we are expected to know certain things such as how to get a credit card, how to buy or rent property to knowing how to get the best energy and electricity deals without being taught all of it at school! Because of this, All Things Money is here to help make the adulting world feel a lot less daunting. To do so I provide lots of financial tips and information over on Instagram and Twitter which is where you can find me mainly. I also sell a wide range of personal finance eBooks and planners to help people develop their knowledge and understanding further and I now officially have my very own podcast which I highly recommend if anyone is looking to kickstart their personal finance journey!
What inspired you to start All Things Money?
I had just finished University during the first lockdown and my plans to travel Australia had just been cancelled due to covid which I remember being really upset about. Around the same time I had just learnt how to invest in the stock market and that same week I managed to get around 5 of my friends involved in it too! That spurred on the idea to help others get started on their investing journey along with other tips and information about the world of personal finance as we’re not taught much about this at school or university when I really believe it should be! Entering adulthood is hard enough as it is, let alone learning how to manage your finances effectively on top of it too.
Why do you think it’s so important that people continue to educate themselves about their money?
I think it’s really important that people educate themselves about money as poor money management can often leave people in a lot of debt or with long-term mental health issues due to the stress money can often cause. I think that’s another main reason why I decided to create All Things Money, to create accessible resources for young people to show them that managing your finances really isn’t as complicated or boring as it may seem! The more education there is on the topic, the more people will find themselves in better financial positions which is probably even more important than ever after the last year we’ve had!
What can people expect to hear in your podcast?
On my podcast, you can expect to hear me chat about all things money! So far, I have discussed effective saving hacks, investing and mortgages along with some great guests and we have lots more exciting topics to come from how to create your own successful side hustle to how you can negotiate a higher salary in the workplace.
I aim to make each episode fun and light-hearted as like I mentioned earlier, conversations about money really don’t need to be boring or mundane at all!
What are some of the most common misconceptions people have about finance?
One of the main misconceptions people have about finance is that you need to have a lot of money to be able to save or invest your money. When it comes to creating a separate pot of savings, you can literally start saving as little or as much as you want. It’s all about your own affordability which will be different for everybody. What people seem to overlook is that every little helps. Even if you manage to put aside £5 a week for the whole year that is an easy £255 saved up which can go towards an emergency fund which can be used to replace that flat car battery or even purchase that emergency train ticket home from uni! (I have found myself in those situations countless times…)
Interestingly enough, the same goes for investing. A lot of people assume that you need to have a lot of spare cash to start investing in the stock market, when that really isn’t the case. There are so many platforms out there now that allow you to start investing with as little as £1!
What do you hope to achieve with All Things Money over the coming years?
This is a very good question! I change my mind nearly every day about where I see All Things Money going in the future. However, one thing I definitely want to do is go into schools and colleges and host a number of personal finance talks and workshops because I really do feel that personal finance education is a crucial skill that all of us need to develop and is majorly lacking in schools!
What are you currently working on?
I have previously spent the past month or so working on this new podcast which I am very excited about! So, for now, I am focusing on growing the podcast and finding exciting new guests to join me each week!
Who are some of your favourite follows online?
My favourite follows online include:
– Chloé from @chloesdealclub as she always manages to find THE best deals.
– Elvire from @savewithelvs as she provides some amazing money-saving hacks that everyone needs to know about!
– Ryan from @makingmoneysimple as he provides some amazing investing tips for beginners.
What does your perfect weekend look like?
The perfect weekend for me would be either a bottomless brunch or evening drinks with the girls. My Sunday would then consist of a chilled day filled with lots of snacks and a movie. Now that lockdown is starting to ease, I look forward to weekends out and about again!
What do you always carry with you?
You won’t catch me anywhere without my phone. I’m not quite sure if that is a good or bad thing, but my phone is pretty glued to me along with my facemask!
What would your last ever meal be?
Oooooh this is a hard one because I love food so much… I think for me my last ever meal would be a hugeee Chinese takeaway followed by a double chocolate fudge cake.
What is one positive piece of advice you could give to our audience?
Try not to be too hard on yourself. I know it’s way easier said than done. But the last year has been such a tough one and for many of us, we may not be exactly where we planned to be. However, I believe everything happens for a reason and things always work out in the end!