Everyday Millionaires

Do you ever dream of becoming a millionaire? Maybe it seems like a ridiculous idea to you — something that you can only achieve if you’re famous, or win the lottery, or have your own successful business.

What if I told you that even on a modest salary, millionaire status is within your reach? In this episode we’re talking about the everyday millionaire — people who achieve a net worth of one million pounds. They don’t drive a Lamborghini or live in a mansion, but they make great decisions throughout their life to achieve financial freedom. Let’s find out how we can do the same.

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How to Start an Emergency Fund

Do you ever find yourself stressing about money? Does it cause you anxiety? Do you know what would happen if you suddenly lost your job, or if you had an unexpected expense costing thousands of pounds?

Wouldn’t it be great if there was a way to take almost all of that stress away? Well there is, and while it takes a fair bit of effort to set up, once it’s there, I’m positive your money worries will be significantly reduced.

In this episode we’re talking about the emergency fund — what it is, and how you can set one up.

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Combatting the Cost of Living Crisis

There’s no escaping that energy prices right now are soaring. They’re at record highs already, and are expected to increase ten times faster than wages throughout the rest of this year.

So what can be done? Obviously you and I have no control over the factors driving this increase, so it’s easy to feel helpless. But when it comes to your personal finances, there is always something you can do to make yourself better off. In this episode we look at how to combat the energy price increase and take control of your financial future.

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Getting Out of Debt

For many of us living in the UK, debt is a part of our lives. Interest payments steal away our income every month. It can weigh us down and leave us feeling trapped. And what do you do when that debt reaches tens of thousands of pounds and you can no longer keep up with the payments? In this episode we talk to David about his journey in overcoming debt.

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Automatic Budgeting

Do you find it hard to keep on top of a budget? Maybe you once set up a budget on a spreadsheet but you haven’t looked at it in months and right now you don’t even know how much you have left to spend before the end of the month. So often our budgets can become too complex and so hard to manage that we end up not doing it, and then we don’t really have a budget at all. In this episode, we’re going to talk about one really simple thing you can do to guarantee that you’ll stick to budget every month. It’s easy to set up and completely automated so you don’t ever have to put in any more effort.

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Asset or Liability?

What’s your greatest asset? If you’re a home owner, it might surprise you that the answer is probably not your house. In this episode we’ll talk about why that is, as well as what an asset truly is and what your life aim should be if you want to thrive financially.

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Beating Inflation

What’s the best place for your savings? Cash under the bed? In your current account? In a cash ISA? Actually, all of those things will lose you money. In this episode we explain why that is and what you can do about it.

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Why getting rich quick isn’t the answer

Do you ever dream of getting rich quick? Wouldn’t it be amazing to suddenly have an incredible amount of money?

Actually, no. There’s a better way. Find out more in this episode of Financial University.

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Get Started with Passive Income

There are two distinct types of work in the world we live in. If you have a job and get paid for the hours you spend working, whether it’s per hour or on a yearly salary, then you have an active income. You might have a few days per year holiday, and some allowance if you’re sick, but generally if you don’t show up to work, you won’t get paid.

But the other way of working is called passive income. With passive income, you get paid every day whether you go to work or not. I make all of my money from 100% passive income, and it’s amazing. In this episode, Luke explains more about what passive income is and how you can get started.

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Developing a Vision for your Money

In this episode of Financial University, we look at the most crucial element to thriving in your financial life. This is the starting point for everything, the foundation if you want to succeed. Find out how to develop a vision for your money and make it an integral part of your life.

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3 Steps to Improve Your Budget

Setting up a full budget can be time consuming and a bit daunting. In this episode, Kevin looks at three phrases you can apply to your every day spending to get it under control.

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Cashflow Quadrants

This episode discusses the cashflow quadrant model, taken from the ‘Rich Dad, Poor Dad’ books by Robert T Kiyosaki. He devised this model to describe the 4 different types of people that make up the world of business.

David gives a brief overview of the quadrants (through the eyes of a Doctor) to help you identify which you quadrant you are currently in and where you would like to be in the future.

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Overcoming Redundancy

Being made redundant is a challenging experience, especially when finding your next role takes longer than expected. Not only are there money worries, but also it can be hard to stay positive, stay motivated, and feel valued. In this episode I speak to Simon, who, like so many others, faced redundancy during the current pandemic. He shares some great practical advice and wisdom that got him through this difficult season, and how he came out the other side to a great new job.

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Starting a Business in Lockdown

For many, starting a business means taking a big risk, and with so much financial uncertainty around us right now it seems like a crazy time to start a business. But in this episode, I speak to Laura who had done exactly that — she has started the business she’s been dreaming of for years, and she’s done it all during lockdown.

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Living Intentionally With Your Money

Do you ever feel like your finances are in control of you, rather than the other way round? Do you struggle towards the end of the month, or feel uncertain about what’s coming in and out of your bank account? Do you wish that you were in control and living with purpose when it comes to money? The secret is budgeting.

In this episode, we discuss how to set up a budget, how to stick to one, and the life transforming power of being intentional with money through budgeting. And Kevin reveals how you could save the equivalent of £200,000 per year!

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Navigating Chaos & Uncertainty

What do you do when you find yourself in a chaotic financial situation? How do you survive redundancy, loss of income, or a sudden increase in expenses? And how can you prepare for an uncertain future?

With so much in chaos in the world around us, we’ve recorded a special episode to launch the Financial University podcast, which we hope will equip you to navigate chaotic times and go on to thrive in the days ahead.

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Financial Help in the Coronavirus Outbreak

Right now is a challenging time for a lot of people when it comes to money. That’s why we’ve put together this curated list from reputable sources on where you can find financial help during the current situation. We’ll keep this list updated as new information becomes available.

MoneySavingExpert:

Just Finance Foundation:

GOV.UK: