Ben and Abbie asked and we are delivering ! 

We are going to do a series of episodes to explain "investing", and this is a simple introduction including a brief explanation of stock markets and some terminology used when talking about investing.

This series will cover as many investing topics as we can but do message us if you want us to cover your interest!

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For Independent Financial Advice, connect with Kristen at Red Star Wealth or their Instagram

For Financial Coaching, you want to visit the Money Coach who also have Instagram

It's finally here! The episode we've been waiting for - everything about Car Insurance with expert insurance broker John Grindley, Director of Garratts Insurance (part of Brown & Brown) with lots of information to help you understand car insurance.

You can contact John at jgrindley@garrattsinsurance.co.uk 

www.garrattsinsurance.co.uk

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For Financial Coaching, you want to visit the Money Coach who also have Instagram

In a throwback to last year, we are re-running the Christmas episode which talks about ways to limit the spending around this time of year.
With the cost of living no better, it seems a good idea to highlight the discussions that Kristen and Izzy had on this topic

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What a cracker we have for you!

Moo, (Amanda Munden) is an expert personal stylist who once was the face of Sky One! She shares her expert knowledge on how to approach buying clothes, how to be more sustainable, and how to calculate the all important 'price per wear'.

Follow Moo on Instagram or contact her via her website

You can join her Moostyle VIP group on Facebook too

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Check out our website at Red Star Education
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You can sign up for our self led courses - some of which are FREE

For Independent Financial Advice, connect with Kristen at Red Star Wealth or their Instagram

For Financial Coaching, you want to visit the Money Coach who also have Instagram

Kristen tries to help anyone applying for Student Finance either as a student or parent. She explains how it is repaid and some tips if you are entitled to more financial support.

The link to the section of the Government website which covers this topic is here 

The salary calculator mentioned is on the Red Star Education website 

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Check out our website at Red Star Education
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For Independent Financial Advice, connect with Kristen at Red Star Wealth or their Instagram

For Financial Coaching, you want to visit the Money Coach who also have Instagram

Isn't it just another tax?
Maybe!

Kristen explains National Insurance in a basic and simple way but for more of the detail check out the Government website

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For Financial Coaching, you want to visit the Money Coach who also have Instagram

A short episode for Kristen to explain what tax codes are used for, what they indicate and how to check if they are correct.

The link to the Gov.UK pages on tax codes is here 

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For Financial Coaching, you want to visit the Money Coach who also have Instagram

Kristen talks to Aaron Abbott from Against The Odds , a CIC promoting education and awareness of gambling, and gambling harm.

Follow them on Instagram

This episode does discuss addition, mental health and suicide. If you need support please reach out to Aaron, to Samaritans or Ripple Suicide Prevention

You can also use Samaritans: Call 116 123 or Shout: Text 85258

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For Financial Coaching, you want to visit the Money Coach who also have Instagram

Income Tax is a HUGE subject, but we have to start somewhere so in this episode Kristen and Nick talk you though the basics, including the current rates and banding.

Here is the salary calculator mentioned in the episode

You can find information from the Government on Income Tax Rates on their website

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For Financial Coaching, you want to visit the Money Coach who also have Instagram

In this episode Iz asks Kristen to explain all the details about credit cards, how they work, how interest is added as well as explaining terms like 'money transfer' or 'balance transfer'.

We mention a few times the episode we did on credit & debt with Sheryl Armer from Adcroft Hilton in last season - go check it out!

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For Financial Coaching, you want to visit the Money Coach who also have Instagram

Our expert guest Corey Ryan is owner and director of Corbellin a specialist property investment company who shares his experience and dispels some of the 'get rich quick' myths around property investment.

He also shares some of pitfalls which inexperienced landlords need to watch out for.

Corey is happy for you to follow his socials and contact him if you have questions.

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For Financial Coaching, you want to visit the Money Coach who also have Instagram

In this short episode Kristen talks about the phenomenon of putting all your pensions in the same place - these are pension transfers and you should listen to this episode before going ahead with any self-advised pension transfers

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For Financial Coaching, you want to visit the Money Coach who also have Instagram

So excited for this episode!

One of Kristen's favourite things to support clients with is setting financial goals and objectives, getting them excited about what is possible and showing clients how to make their dreams a reality.

Please email if you want us to send you the pdf of the goal setting sheet as mentioned

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Check out our website at Red Star Education
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For Independent Financial Advice, connect with Kristen at Red Star Wealth or their Instagram

For Financial Coaching, you want to visit the Money Coach who also have Instagram

In this, the first episode of Season 2, Kristen explains The State Pension and the 'triple lock'.

Here is the link to a BR19 form

Information on the new State Pension is on the Government website

To calculate your State Pension age, the calculator is here


 

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For Financial Coaching, you want to visit the Money Coach who also have Instagram

A couple of days late as we are on a Dona Kirkham holiday!

In this episode Kristen and Dona talk about the cost of holidays and some great tips and ideas to make the most of your pound, dollar, yen, euro ...... you get the idea

Dona is an expert holiday booker and if you want her help, please contact her here

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For Financial Coaching, you want to visit the Money Coach who also have Instagram

Often considered only for rockstars and pro footballers, prenuptial agreements are actually useful for many different people as a way of protecting wealth and property - especially family money and businesses.

In this episode we talk to expert lawyer Helen Lucking of Napthens about how making a prenup can help in wider financial planning, how to make sure it will stand up in court and also where a co-habitation agreement might be a solution to consider.

Please contact Helen, Head of Family & Divorce at Napthens for more support in this area.

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Kristen is joined in this episode by lawyer Sarah Savage of Bexley Beaumont, a specialist in assisting tenants and landlord's with renters rights, talking us through tenancy agreements, the new laws and what they mean and even donkeys as pets.

Sarah can be contacted by email sarahsavage@bexleybeaumont.com

Shelter, the homelessness charity, can be found here 

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Check out our website at Red Star Education
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For Financial Coaching, you want to visit the Money Coach who also have Instagram

Warning!
This episode discusses financial abuse and other mental health topics.

Richard is a therapist and well-being consultant with extensive experience in the area of financial abuse. He and Kristen discuss this sensitive topic, how to recognise abuse and it's impacts.

Victim Support: Offers free and confidential support 24/7 for anyone affected by crime. They can be reached at 08 08 16 89 111, and they also provide a live chat service for immediate assistance​. 

National Support Line for Victims-Survivors of Sexual Abuse: This helpline is available at 0808 500 2222, and they also offer an online chat service at 247sexualabusesupport.org.uk for victims of sexual abuse, providing them with support and information​

SAMM (Support After Murder and Manslaughter): They provide a telephone support line for families and friends of homicide victims, which can be found at samm.org.uk​
 
 Financial Support Line for Victims of Domestic Abuse: This line is run by Money Advice Plus in partnership with Surviving Economic Abuse (SEA), offering specialist advice to those in financial difficulty due to domestic abuse. You can contact them at 0808 196 8845, available from 9 am to 5 pm, Monday to Friday​

Financial Abuse Support Toolkit - NCDV: The National Centre for Domestic Violence (NCDV) provides a toolkit and support for financial abuse victims. You can call them at 0800 970 2070, text NCDV to 60777, or email at office@ncdv.org.uk​

Living Without Abuse: They provide support to people who are victims of domestic and financial abuse. You can reach them at 0808 802 0028, with lines open Monday to Saturday from 8 am to 8 pm​

Duckduckgo – a search engine that does not store information

Ricard's links are

Website https://mhmf.co.uk/

Podcast https://mhmf.podbean.com/

Newsletter https://mentalhealthmentalfitness.beehiiv.com/subscribe

Linkedin www.linkedin.com/company/mentalhealthmentalfitness/ 

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For Financial Coaching, you want to visit the Money Coach who also have Instagram

The legal process of buying a house - conveyancing - can feel daunting if you have never done it before. Jonathon is an expert property conveyancers and shares his wisdom in this episode to help the house buying process make sense.

If you need him, you can contact Jonathon at the firm's office

The Stamp Duty Calculator is here

and more information on Stamp Duty is here

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For Financial Coaching, you want to visit the Money Coach who also have Instagram

In this episode Kristen explains the basics of the workplace pension also called auto enrolment.

Here is the link to the Government website which details the current levels of contributions and salaries.

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Check out our website at Red Star Education
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For Financial Coaching, you want to visit the Money Coach who also have Instagram

Something a little different in this episode! Expert confidence coach Sue Blackhurst gives us plenty to think about if we want to raise our self belief especially if we are going to job interviews or asking for a pay rise, with an interesting sausage analogy

You can follow Sue's Instagram here

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For Financial Coaching, you want to visit the Money Coach who also have Instagram

Debt is sometimes unavoidable, but what happens when it gets hard to handle. Sheryl Armer, of insolvency practitioners Adcroft Hilton, talks to Kristen about the consequences of debt and what practical steps and help is available if you need it.

You can contact Sheryl via her website or email her sheryl.armer@adcrofthilton.co.uk. You can call her 01253 299 399. They can also be found on Instagram

If you need help you can also contact the debt charity StepChange

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Check out our website at Red Star Education
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For Financial Coaching, you want to visit the Money Coach who also have Instagram

When Gareth, founder of Sherbert Lemon found that more of his clients were working with NFTs, he opened an office in Dubai and learned everything about both NFTs and cryptocurrency

We have a chat about both, and in simple terms explain how they work and discuss how NFTs are being used

Following Sherbert Lemon on Instagram here

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Kristen starts to tackle pensions - a huge topic, so starting with the basics of a personal pension including a description of tax relief

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In this episode, we are joined by Craig McMeekin from Lease Your Car who explains the different types of car finance agreements available in the UK with some helpful information and tips if getting a car is on your financial goal plan.

Craig can be contacted on 0333 996 2202 or email him craig.mcmeekin@leaseyourcar.co.uk

Craig's Instagram here

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For Financial Coaching, you want to visit the Money Coach who also have Instagram

Kristen talks with Donna Amos, divorce and family lawyer, about the divorce process, the costs and why getting a financial settlement is so important.

You can reach Donna at her firm's website BBE Law or with Donna directly on LinkedIN

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For Financial Coaching, you want to visit the Money Coach who also have Instagram

Nick and Kristen explain the basics of what credit is and reframe how we might think about using debt.

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Kristen and Izzy discuss some creative ways to spend less money at Christmas, or any other festival or cultural celebration where gift giving feels like an obligation 

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In this episode Kristen talks to Wills & Probate expert, solicitor Fiona Reid about why you should make a Will, who you can gift your Estate to and some things to consider before making one.

Fiona can be found on Instagram, Facebook and her own website 

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In this episode Iz and Kristen discuss things you learn when you first start your business, being authentic and living your business values.

To Be Continued..............

Includes a shout out for Abingdon Street Market included in this episode

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What IS the difference between Financial Planning, Education and Coaching?

Kristen and Nick discuss how these 3 disciplines are different and why they exist to serve very different purposes

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For Financial Coaching, you want to visit the Money Coach who also have Instagram

Kristen is joined by Louise Wood, mortgage expert and owner of Mortgages By Louise 
to discuss  the basics you need to know about mortgages!

You can find Louise on Instagram and Facebook 

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Check out our website at Red Star Education
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You can sign up for our self led courses - some of which are FREE

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For Financial Coaching, you want to visit the Money Coach who also have Instagram

What is the purpose of a credit file, how can I make sure I have a good one and what does a credit score tell me? The answers to all of this and some great tips to help you build your credit score.

We mentioned Experian and Credit Karma but other credit reference agencies are available

Debt help available at StepChange

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Check out our website at Red Star Education
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What are the different types of standard bank accounts, who regulates them and what on earth is an overdraft?

You can check the protection offered by the FSCS here and you can check out the Financial Conduct Authority's website here 

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Whether you call it a budget or a financial plan, having a process of knowing exactly what you need to pay for is a cornerstone of building financial security. This episode includes a discussion on invisible spending.

The online budget planner mentioned can be found here

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Hello and welcome

Our launch episode so you can get to know me, Kristen, my views of the importance of financial understanding and what to expect from the Do I Have To Adult Now? Podcast

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Check out our website at Red Star Education
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