Send us a text The finance world is being transformed by artificial intelligence, with 73% of Gen Z and millennials now trusting AI more than human financial advisors to manage their money . This episode explores how AI can work for you rather than replace you. APPS MENTIONED: Cleo - https://web.meetcleo.com/ Emma - https://emma.to/kiacommodore Plum - https://friends.withplum.com/r/x92P009iFM Freetrade - https://magic.freetrade.io/join/kia/07e18a08 Moneybox - https://www.moneyboxapp.com/ Pennies...
May 20, 2025•26 min
Send us a text This episode features an entrepreneurial journey filled with financial challenges, moments of doubt, and unexpected breakthroughs that keep dreamers moving forward. Priscilla shares her personal story of building a children's book series while balancing financial struggles and maintaining faith in her vision. We discuss: Turning something you love into a business can bring unexpected challenges that make it harder to enjoy at first Money problems can be challenging to handle and c...
Mar 18, 2025•48 min
Send us a text In this episode, we’re diving deep into why financial protection is non-negotiable and how to safeguard your future with the right insurance. We’ll break down key areas like income protection , life insurance , and critical illness coverage so you can make informed choices about your financial security. Here’s what we’re unpacking: Why the unexpected can happen anytime, and how to be prepared. The importance of income protection and how it keeps you covered if things go wrong. Wha...
Feb 25, 2025•20 min
Send us a text In this episode, we’re exploring Cashblack , a game-changing cashback platform supporting Black-owned businesses and fostering community growth. We explore the platform’s origins, born from a pivotal social moment, and how it’s changing how we shop while empowering communities. You’ll hear about how Cashblack works, what makes it stand out, and the innovative strategies behind building trust with users and established brands. Key highlights include: • The origin story of Cashblack...
Feb 04, 2025•27 min
Send us a text In this episode, we explore the benefits of automating your finances and focus on the mindset shifts needed to embrace this approach. Laura Ann Moore, a money mindset expert, shares insights on the emotional hurdles surrounding financial automation and practical steps listeners can take to create a healthier relationship with money. We cover: • Understanding the concept of money on autopilot • Importance of mindset when managing finances • Overcoming fear of losing control through...
Jan 27, 2025•32 min
Send us a text Just graduated and ready to take control of your finances? This episode is packed with the essential money moves you need to crush your career and financial goals from day one. Here’s what we’re covering: Unlock your future: Why workplace pensions are your secret weapon for long-term savings. Invest in YOU: Explore employer-backed opportunities to grow your skills and income. Meal prep vs. eating out: How everyday choices can save you big bucks. Plan your next move: Set yourself u...
Dec 28, 2024•7 min
Send us a text In this festive episode, we’re offering all the tips you need to master your money in 2025—without sacrificing the fun. From breaking down budgeting methods that actually work to showing you how to track every penny (even in a cashless world), this episode is your ultimate guide to balancing smart spending with guilt-free enjoyment. 💸 Here’s what we’re unpacking: • The 50/30/20 method and why it’s a game-changer • Zero-based budgeting for ultimate money control • How to adapt the...
Dec 27, 2024•8 min
Send us a text It’s time to stop wishing and start winning with your finances! In this episode, Kia breaks down the art of setting financial goals that you’ll actually achieve. Using the SMART framework, she shows you how to turn your big dreams into actionable plans that deliver real results. 💸 Here’s what we’re covering: ✨ Why vague goals won’t cut it and how to get specific ✨ The power of progress checkpoints to keep you on track ✨ How to set goals that are realistic, achievable, and life-ch...
Dec 24, 2024•8 min
Send us a text What if you could completely transform your money game in just 12 days? On today’s episode of the Pennies To Pounds Podcast, we’re kicking off our special series, The 12 Days of Finance , to help you avoid the financial traps that leave you feeling broke and set yourself up for success in 2025. In this episode, we’re covering: ✨ Why lifestyle inflation is sabotaging your progress ✨ How to budget without feeling restricted ✨ The non-negotiable need for an emergency fund ✨ Tackling ...
Dec 23, 2024•7 min
Send us a text With the new year almost upon us, we’re bringing you a new series for the next twelve days! The Pennies To Pounds ‘12 Days Of Finance’ series is dedicated to helping you level up your finances in 2025 and beyond. Each episode will be no longer than 10 minutes long and contain actionable steps to master your money. We’ll also answer some dilemmas and common questions, offering actionable advice. Want to join us? Follow the Pennies To Pounds Podcast wherever you listen to your podca...
Dec 22, 2024•36 sec
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 look different depending on where you check it. We’ll also talk about practical ways to build and improve your credit, whether starting from scratch or ...
Nov 25, 2024•23 min
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 choices, and things that women can do to financially prepare for starting a family. FOLLOW MAYA'S MINUTES: TikTok - https://www.tiktok.com/@mayasminute...
Nov 05, 2024•41 min
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 mastering the build-to-rent sector or using social media for lead generation. FOLLOW MARY FELICIA: Instagram - https://www.instagram.com/maryfeliciaa/ TikTok...
Oct 02, 2024•24 min
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 explains how Breakthrough leverages AI to empower underserved communities with financial management tools and career development resources. This episo...
Sep 24, 2024•29 min
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. This episode also touches on wardrobe building, where Sophia emphasizes the importance of quality over quantity. Learn how to build a sustainable wardro...
Sep 16, 2024•20 min
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, learn how to secure up to £85,000 in compensation in the unlikely event of a firm's collapse. LEARN MORE ABOUT FSCS: https://www.fscs.org.uk/ FCA RE...
Sep 09, 2024•13 min
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/aaronknightleyofficial/ • TikTok - https://www.tiktok.com/@aaron_knightley?lang=en Support the show FOLLOW PENNIES TO POUNDS 💸 Instagram - https://www.instagram...
Sep 02, 2024•35 min
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: Instagram - https://www.instagram.com/financebykilolu/ TikTok - https://www.tiktok.com/@master.money.uk?_t=8oyRLB4EYtN&_r=1 Support the show FOLLOW PE...
Aug 19, 2024•24 min
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 you make informed financial decisions. *Klarna's Pay in 3/Pay in 30 days are unregulated credit agreements. Borrowing more than you can afford or payi...
Aug 12, 2024•9 min
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 to achieve financial stability and growth, ensuring you're well-equipped for the second half of the year! Support the show FOLLOW PENNIES TO POUNDS �...
Jul 08, 2024•21 min
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 effective money management. Have you ever wondered how early financial beliefs shape your money habits? Laura Ann Moore dives into the emotional side of ...
Jun 24, 2024•42 min
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 lifestyle. Joining us in this episode are Elisabeth Prager and Nitika Vyas, co-founders of the money app Aila Money. Aila Money: the Personal Trainer app ...
Jun 10, 2024•38 min
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 means. FOLLOW YOUNG SPENDER: Instagram - https://www.instagram.com/youngspender_/ Support the show FOLLOW PENNIES TO POUNDS 💸 Instagram - https://ww...
May 07, 2024•27 min
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 thrifting and DIY to maintain their identity. DOWNLOAD THE REPORT - https://www.tagagency.co.uk/download-report FOLLOW TAG AGENCY ON INSTAGRAM - https://www...
Apr 22, 2024•31 min
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 - https://upthegains.co.uk/ Support the show FOLLOW PENNIES TO POUNDS 💸 Instagram - https://www.instagram.com/penniestopoundspod/ Twitter - https://twitt...
Mar 25, 2024•34 min
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 - https://www.linkedin.com/in/dan-knott-1740b31b0/ Support the show FOLLOW PENNIES TO POUNDS 💸 Instagram - https://www.instagram.com/penniestopoundspod/ ...
Mar 19, 2024•19 min
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 of useful tips and insight, hope you enjoy this episode! Support the show FOLLOW PENNIES TO POUNDS 💸 Instagram - https://www.instagram.com/penniesto...
Mar 12, 2024•23 min
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 monthly spend, the benefits of an emergency fund, and ways to diversify your income. Visit The Idle Money Blog Website - https://idlemoneyblog.com/ Learn m...
Feb 19, 2024•26 min
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 - https://www.instagram.com/ellaensures/ Support the show FOLLOW PENNIES TO POUNDS 💸 Instagram - https://www.instagram.com/penniestopoundspod/ Twitt...
Jan 22, 2024•25 min
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/b/4DwuT Follow Topsy on Instagram - https://www.instagram.com/topsytaiwo/ Follow Property Purchaser on Instagram - https://www.instagram.com/property...
Jan 15, 2024•32 min
