If you are separating or divorcing, this podcast is for you. Our host, Tamsin Caine is a Chartered Financial Planner and divorce specialist. Across the series, we speak to divorce professionals, divorcees, coaches, domestic abuse specialists, victim survivors and many others who we think would be of interest to you if you are thinking about separating, have separated, are going through divorce or are post divorce. There is also lots of information if you are supporting a friend through divor ...
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The Women and Money Cafe is a space where women can come to listen and learn about all things money in a friendly, informal, no-jargon environment. Hosted by practising independent financial adviser and financial coach Julie Flynn. Each episode in the Women and Money Cafe we bring together members of our expert panel of female financial advisers, coaches, investment managers, guest experts and women from all walks of life to share, support and make space for Women to feel empowered with mone ...
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Cohabitation and the potential law changes
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Send us a text Graeme Fraser Graeme is Head of Family at William Sturges and has specialised in family law for over 25 years. He has considerable experience in advising on financial settlements involving complex assets and substantial wealth. His practice covers divorce, financial settlements involving complicated assets and substantial wealth, chi…
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A week in the life of a Mediator and Supervisor
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Send us a text In this episode, Tamsin is joined by Elaine Richardson, who is a family lawyer and mediator, to talk about her work and what she gets up to when she’s not with clients. Elaine Richardson "I am a family law solicitor, collaborative lawyer and accredited child inclusive Hybrid mediator. I supervise other mediators as their Professional…
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A Week in the Life of a Divorce Consultant
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Send us a text Laura Rosefield Laura says: "I always try to make sure that my clients can see the glimmer of promise at what the future holds. They know I will be by their side to help them put the building blocks in place to get there and at any time after the legal process is over. I will make sure that they have access to any specialist help the…
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A week in the life of a Relationship Therapist
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Send us a text .. In this episode, Tamsin explores the work of relationship therapist Adele Ballatyne. If you are interested in working with a therapist post separation, or even if you are considering separation, this episode is a must listen, as we explore how Adele works both in and out of her client sessions. Adele Ballantyne I have experience i…
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The new rules to keep your divorce out of court
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Send us a text In this episode, Tamsin discusses with Karin Walker the new Family Procedure Rules, from 29th April 2024, being implemented to keep more couples out of court and using the wide range of non-court dispute resolution options to agree their financial settlement. Karin is not only a family solicitor but also a mediator, collaborative law…
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A week in the life of a Financial Planner and Financial Neutral
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Send us a text Steven Hennessy began his career in financial advice in 1998. He has extensive experience advising individuals and families on all aspects of personal wealth, including pensions, investments, financial lifestyle planning, portfolio construction, retirement strategies, and estate planning. He is one of a small minority of financial ad…
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Send us a Text Message. In this week’s episode Tamsin speaks to head of family Colin Davies of Kuits Solicitors to find out about the work he undertakes on behalf of his clients when they are not in front of him. Colin Davies Colin has specialised in family law for over 25 years, dealing with all aspects of relationship breakdown for both married a…
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Send us a text Do you really know what a divorce coach does, how they prepare for a meeting or keep on top of everything happening in the divorce world? In this episode, Tamsin speaks to top divorce coach and author, Claire Macklin about those and many other questions regarding her work Claire Macklin Claire is one of the UK’s leading Break-up and …
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129. I've got £10k, what should I do with it (rerun)
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We're busy planning our next batch of episodes for you. So do let us know if you have any requests. In the meantime, over the coming weeks, each of the hosts is going to be sharing one of their favourite episodes. This week it's one of our very early episodes, 21. I've got £10k what should I do with it. The great thing about this show was that the …
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128. Secrets of Financial Coaching (rerun)
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We're busy planning our next batch of episodes for you. So do let us know if you have any requests. In the meantime, over the coming weeks, each of the hosts is going to be sharing one of their favourite episodes. It's Julie's turn this week and her favourite was 51. The Secrets of Financial Coaching. This episode is packed full of tips on how to u…
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Send us a text Have you ever wondered what a barrister does in their working week when they’re not in a meeting with you? In this episode, Tamsin is joined by leading family barrister Rhys Taylor to find out more about what his work involves. With his depth of knowledge in courtroom advocacy and client advising, Rhys joins us on the Smart Divorce P…
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We're busy planning our next batch of episodes for you. So do let us know if you have any requests. In the meantime, over the coming weeks, each of the hosts is going to be sharing one of their favourite episodes. It's Michelle up this week, and her favourite was 67. Beating Lifestyle Inflation. We look into what and how we end up with lifestyle cr…
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126. Shit! I've opened my pension statement, now what? (rerun)
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We've been getting a lot of messages to the WMC HQ about pensions. So we thought it would be timely to revisit episode 53, where Julie, Michelle and Sara walked you through what your next steps are. Some of the things we cover: How to find a financial adviser What happens in the first meeting What to bring with you to the meeting What we’re looking…
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Send us a text In today’s episode, Tamsin Caine is joined by divorce coaches Julia Moreno and Sally Jackson. We explore a profound and empowering question: Who do you want to be during your divorce? We'll discuss how you can establish a vision for your divorce, cultivate your best self, and navigate this journey with integrity and grace. Sally Jack…
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Get ready to level up your career game in this episode of Women & Money Cafe, as we dive into the nitty-gritty of job offers and benefits. From company culture to pension plans, no stone is left unturned! Here's what you can expect: - Michelle's advice on gauging company culture and work-life balance - Emily's insights on aligning personal and comp…
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Prepare for a dive into a rapid-fire checklist for the end of the tax year. Get ready for crucial tax-saving tips and insights that will set you on a path to financial empowerment. Areas covered: - ISA Allowance: Understanding the current £20,000 allowance and making the most of it for tax-free growth and earnings. - Capital Gains Tax Allowance: Ex…
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In this episode , the hosts, including returning founder member Tamsin Caine, explore the challenges and opportunities of managing finances as a single woman, particularly after a divorce or widowhood. They discuss the emotional and practical aspects of taking full control of finances, from setting up emergency funds to investing for the future. Wi…
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Helping young children to deal with divorce
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Send us a text Navigating the stormy seas of divorce is a daunting journey, especially when little ones are aboard. Estella Newbold-Brown, dedicated family law solicitor and author, extends a lifeline to families with her heartwarming children's book ‘Isla and Quinn – The Sunflowers’ Estella Newbold-Brown Estella is a partner and head of family law…
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After the success of episode 70 (Atomic Habits for Money) we thought we should revisit actionable strategies for managing and reducing spending, highlighting the power of small changes in achieving big financial goals. Here are some key takeaways from the episode: - Reviewing Amazon orders and subscriptions to cut unnecessary expenses - Cancelling …
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121. Empowering Mindset with Katie Crooks
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We have a super cool episode for you in this one with hypnotherapist Katie Crooks. She brings a wealth of insights on overcoming self-sabotage and imposter syndrome, empowering listeners to tap into their true potential. Stay tuned to the end when Katie blows our mind with the significance of the word "try" and why Julie is determined to eliminate …
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Send us a text In this special 100th episode of the Smart Divorce podcast, we welcome back our first ever guest, the wonderful counsellor and hypnotherapist Susan Leigh for a reboot of that first discussion. What are the things you should do and think about at the beginning of your divorce journey? Listen in to find out. Susan Leigh Altrincham, Che…
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JOSIE COX asks why money is still so gendered! Why progress towards closing the gender pay gap has been so elusive over the past few decades. Why we’re still failing to have good, inclusive conversations about gender inequality. Josie is a journalist who has worked on staff for Reuters, the Wall Street journal, and The Independent and as a freelanc…
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In this episode Julie, Michelle, and Emily engage in a spirited debate on the age-old question: Should you overpay your mortgage or put money into a pension? This showdown delves into the financial implications and personal preferences that go into making this crucial decision, leaving listeners with insightful perspectives to shape their own finan…
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Could litigation funding help you get fair legal advice?
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Send us a text In this episode, Tamsin talks to Hollie Orgee from litigation funding experts Ampla Finance about how their product can be used to ensure spouses are getting fair legal representation. This is particularly relevant where there has been financial or economic abuse or coercive control in a relationship. Hollie Orgee Hollie Orgee, is th…
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We discuss the age-old dilemma of whether to overpay your mortgage or not. - Debt management: Understanding the importance of addressing other debts before focusing on your mortgage. - Establishing an emergency fund: The significance of having a financial cushion for unexpected expenses. - Mortgage provider policies: Exploring the limitations and p…
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117. Five Most common money mistakes and how to avoid them
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In this episode we discuss the 5 most common financial mistakes women tend to make. They indicate that often, women are not involved in long-term financial decisions or they fail to invest money in their own names. They also mention pitfalls like investing in high-risk schemes without a proper understanding of the risks involved, striving for finan…
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Send us a text In this episode, Tamsin speaks to her colleague and fellow Financial Planner, Charlene Love about financial protection. This conversation will help you to understand what the options are and how they will help you when the worst thing happens. Charlene Love With over 12 years of experience in the financial services profession, Charle…
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116. Aging and Finance: How Money Habits Change as We Grow Older
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The episode discusses the changes in money habits as people age. They discuss how attitudes towards money can remain constant through life but can become more extreme or display in different ways with age. They also notice a sort of cycle where people in their 50s are highly focused on planning for retirement. Upon reaching the 60s, the strict and …
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In this episode of the Women in Money Cafe, the hosts discuss their old beliefs about money and reveal how they've evolved their views. From thinking they were useless with money or that they didn't deserve it, to believing that wealth equates happiness, each shares their journey to understanding their relationship with money. They touch on the imp…
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What taxes do we need to know about when divorcing?
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Send us a text In this episode, Tamsin speaks to tax expert Matt Stambach from ETC Tax. They discuss all the different taxes that might impact you during your divorce, along with the improved CGT rules for divorcing couples. Matt Stambach Prior to joining ETC Matt developed his career in tax starting at a HMRC Call Centre before gathering practice …
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114. The Best Money Moves We've Ever Made
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In this episode Julie, Sara, Michelle, and Emily discuss their best financial decisions and how they've positively shaped their personal finance management. Michelle shares her successful strategy of organizing money into separate 'pots' for different purposes - from taxes to holidays, allowing her to have a clearer picture of her finances. Sarah d…
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We know from chatting to you that many of you have started investing since listening to the podcast. And we love that! But we also know that it will have been hard watching your investments this year and that you may be tempted to quit investing and move money to cash because of interest rates. This episode is for you if you are feeling disillusion…
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Send us a text In this episode, Tamsin speaks to wills, probate and legacy planning solicitor Michelle Tonge of Private Client Solicitors about Wills and Powers of Attorney. They discuss how to make a will and power of attorney, when wills are no longer valid, why they should be reviewed regularly and important considerations. Michelle Tonge Michel…
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Nitika and Lis from Aila Money discuss the gender wealth gap and ways to address it. They discuss Aila Money's innovative approach to equipping women with financial tools and knowledge. This includes a beta version of their not-yet-an-app, which focuses on life goal planning, not just finance, and understanding individuals' needs and wants for thei…
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On this episode of the Women in Money Cafe, guests Sara and Michelle talk about money M.O.T, a financial health check concept. They discuss tools such as HSBC's financial fitness test and Money to the Masses' money MOT tool. These tools can help listeners assess their financial health and provide insights on areas in need of improvement. They also …
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Fair or Achievable - Spending your money in the right way when divorcing a narcissist
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Send us a text In this episode, Tamsin talks to family solicitor (among other things) Karin Walker, who is an expert on Narcissistic Personality Disorder, about where to spend your money wisely if you are divorcing a narcissist. Karin Walker Karin Walker is a family lawyer, based in Woking, Surrey. She is a solicitor, mediator, collaborative practi…
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The team at Women in Money Cafe discuss their favourite films that involve money and the lessons that can be gleaned from them. Some films highlighted include 'The Big Short', which helps demystify the 2008 financial crisis; 'Rogue Trader', a true story that illustrates the importance of proper financial compliance; and 'Confessions of a Shopaholic…
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109. Christmas Money Challenge (throw back to WMC 2)
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🎙️ The Christmas Money Challenge Revisited! Back at the start of the WMC podcast journey, Julie and Catherine ran a challenge to make some extra cash for Christmas. Back then finances were stretched as we dealt with a pandemic. Two years on and the cost of living has hit hard. So we thought we'd revisit some quick wins to make extra cash. Areas Cov…
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Send us a text In this episode, Tamsin speaks to Gavin from Worthstone about sustainable investments. Ethical, green, ESG, impact are just some of the words used when people talk about this area of investing, but what really is it and how does it work? Gavin Francis Founder and CEO, WORTHSTONE Gavin started working in financial services and alongsi…
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108. Money & House Renovations with Susan Francombe - the Biking Building Barrister
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In this episode we're joined by Susan, the Biking Building Barrister. We're cutting through the jargon and sharing loads of tips to protect your money and your home. Areas Covered: - Difference between a quote Vs estimate - How much if any deposit should you pay - Handling paying for materials - Finding reliable builders and tradespeople through tr…
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107. Listener Spotlight: Your questions answered with Rachael
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We've got such a cool episode for you this time! Listener Rachael joins us for this one to put her question to the panel: if you haven't got a business and your not sitting on hundreds of thousands of pounds, who do you go to for help understanding your pension, your Individual Savings Account, and for a general money MOT? Our answers covered a lot…
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106. Business Protection with Naomi Smith
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In this episode we are joined by guest Naomi Smith from Saltire Financial. With years of expertise in business protection, Naomi sheds light on the crucial steps women in business need to take to ensure their financial well-being. Here's what you can expect from this informative and empowering episode: Importance of business protection in safeguard…
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How can I get legal advice if I've been in an abusive relationship with no access to money?
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Send us a Text Message. In this episode Tamsin is joined by family lawyers, and podcast hosts, Liza Gatrell and Matthew Taylor from Stowe Family Law. They discuss how to ensure you get proper advice and support when you have left an abusive relationship, particularly where there is financial abuse. Matthew Taylor Matthew is a Partner at Stowe Famil…
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In this episode of the Women & Money Cafe podcast, hosts Julie and Emily challenge conventional wisdom when it comes to spending money. They dive into the idea that you should only buy something when you have saved up for it, and explore the continuum of spending and saving. Here are some key points covered in the episode: - Julie and Emily share t…
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104. Money Mindset with Tanya Ibberson (Financial Wingwoman)
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We've got Tanya joining us today to share a fab money mindset exercise. What to expect: 🔸 The role of trauma in shaping our relationship with money 🔸 Unpacking the unique impact of childhood experiences on our money mindset 🔸 Challenging negative beliefs and rewriting our money stories 🔸 Tanya's eye-opening exercise for identifying and reframing mo…
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In this episode of the Women & Money Cafe podcast, hosts Michelle and Julie dive into the complex world of care home fees. Join them as they discuss key facts and strategies for managing the cost of care, including options for funding, negotiation techniques, and the potential benefits of annuities. Get expert advice on navigating the care system, …
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102. Acts of Kindness: Inspiring Stories of Paying It Forward
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We've got a feel good episode for you today. Inspired by Emily's story of helping a man having problems with his van. Want to learn more about the power of paying it forward? Check out these websites: 1. Random Acts of Kindness Foundation - www.randomactsofkindness.org 2. Kindness UK - https://kindnessuk.com thanks to Louise Talmage for this one 3.…
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What is a PODE and how can they help with our pensions?
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Send us a text In this episode Tamsin speaks to actuary Richard Nobbs about PODEs (Pensions on Divorce Experts). They discuss when a PODE might be needed, and when they might not, along with how to instruct them and what questions to ask. Richard Nobbs Richard is an actuary and the owner and a director of Excalibur Actuaries Limited, one of the lea…
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In this episode of Women & Money Cafe, Michelle and Julie dive into the topic of the state pension. You might have written the state pension off. Don't! It's a lot more valuable than you realise. We'll be breaking it down to help you understand its importance and how it fits into your retirement plan. No more confusion or uncertainty, just clear an…
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How can a financial neutral help to unlock our financial settlement?
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Send us a text In this episode, Tamsin speaks to Tom Farrell about using a financial neutral in divorce. They discuss how the process works, the potential cost saving and how using a financial neutral can unlock sticking points in the process of coming to an agreement. Tom Farrell Tom is an experienced Family Mediator and Independent Financial Plan…
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