There’s probably just one more introduction I ought to make.. this is Blücher, @themoneyjam Mascot In Chief. He is a Bedlington Whippet but identifies as a lapdog. He’s 3 years old but still acts like a puppy. When he’s really excited he does a windmill with his tail. His favourite pastimes are squirrels 🐿 and spending time Upside Down. 🙃 He sings beautifully and wishes you all a very happy weekend. 🐕

Want some help to get your accounts organised, know what’s what and have some way of sorting the various bills and letters that come through from time to time? Sure, we can do that. But there’s more we can do too. A common misconception I see a lot is personal finance being confined to those niggly admin tasks and hours spent trawling Money Saving Expert, trying to make sense of topics you feel you should have got a grasp on years ago. I’m here to tell you that being in sync with your money means so much MORE than that. The behavioural finance guru Carl Richards of @behaviorgap says that ‘A great conversation about money is really a great conversation about life’. And it’s so true! 😊 Money is a gentle but powerful undercurrent that we try to confine to a quick bank balance check ...because it scares us. Really it shapes so much of how we live our life, what opportunities are available to us and what opportunities we actively pursue. I invite you to invite BIGGER, BOLDER money conversations into your daily rhythms. I want to help you embrace the full transformational potential of having an empowered, abundant relationship with money. (And I want to help you with the life admin too, if that’s what you need.) I’ve been working on setting up The Money Jam Basics Membership to share everything I know about good money habits and a healthy money mindset. Sound good? Give me a 🙌 below.

I guess it’s probably about time I started showing my face around here... Hi, my name’s Rosie and at the start of this year I trained as a money coach with the icon that is @simonnegnessen ..if you haven’t heard of Simonne just have a quick Google. She’s been doing financial coaching in the UK for 20 years now, definitely before it was cool. Basically before it was a thing. She went and made it a thing anyway. Ok fangirl moment over. Whilst I was doing my training I felt like a massive imposter. I’m fairly new to the field of coaching and my grasp of personal finance has come from going through all the big stuff in my first ten years of adulting... whether it’s battling to get promoted, being the house mum and sorting out bills for 6 people, managing to fulfil my dream of buying my own place, plus a bunch more other stuff for another time... Despite any silly niggling feelings of inadequacy, money coaching is my dream job. So here we are. I’ve been lurking for a little while now, seeing this amazing community of modern money bloggers take shape and step into the limelight. All this 2020 crap has meant more people than ever are putting money considerations at the top of their priorities. As a certified money coach, I’m here to help actually tackling it feel less scary. All that’s left to say I guess is welcome to The Money Jam. I’ve been off social media for a few months working on a bunch of stuff behind the scenes. I can’t wait to get going and create an amazing, enriching community that I hope you’ll feel part of soon enough. In one of these intro posts I guess I’m supposed to finish with a ‘fun fact’ (cringe, awkward, urgh). Ok.. I have a genuine fear of people sticking their fingers into bellybuttons. It’s called omphalophobia.. there’s a Wikipedia page, promise. Ok now your turn.👇👇👇👇 📸 and this beautiful wallpaper backdrop courtesy of the lovely @bethanyspottiswood

Anyone else feeling this right now?! They say learning is accelerated through mistakes and this year I’ve made a whole bucketload but I’m thankful for each of them. I’ve spent the past few months grafting on some stuff behind the scenes, really tuning in to the sort of business I want to create and I can’t wait to share more with you guys. This time last year I handed in my resignation to my £70k+ city job without having anything else lined up. Having never had any break from a regular pay check since I left uni, inside I was terrified but I also knew deep down it was the right thing. I mentally set this year aside as a sabbatical to explore alternatives and whaddyaknow, 2020 really threw me a learning curve.. 🎢 Fast forward a year: I’ve been up, I’ve been down, I’ve questioned my very identity and I’ve ended up learning that this whole time the creativity and jack of all trades nature of being a business owner suits me in a way that none of my flashy corporate jobs ever quite did. It is turbocharging my self development something lovely. 🙃 I’m right at the start of this journey and I can’t wait for you to join me. Now I’ve got my confidence back I may even pop my face up here soon enough..!

As we look ahead to a new week, what will you do to nourish your goals? What one positive change will you make? How will you set yourself up to have the best chance of success? Sundays are a wonderful chance to slow down, take stock and make time for your favourite self-care rituals. Cracking out a journal is one of my favourite things to do in the evening. What about you?

Time to bust some myths... 💥It doesn’t make you less creative 💥It doesn’t make you less committed to the cause 💥It doesn’t make you a worse human being That’s right. Wanting to get paid a decent amount does not make you money grabbing. Let me distinguish the difference. Money grabbing is when you care only about getting money for yourself and nothing else. Understandably for a lot of people that’s kind of off-putting. If you are purpose-driven or a creative soul, your work and your craft may be far more important to you your net worth. But that does not and should not prevent you from wanting to earn a decent amount from the high value you provide to others. End of. Tag a super talented friend who needs to hear this! 👇

What happens if plans change? With it becoming so common now to change jobs or even move countries every couple of years, it’s understandable why the concept of a 5 year plan can seem a bit redundant. ‘But I don’t know where I’ll be or what I’ll be doing in a few years’ time’ is very a common reason for not having any sort of financial plan in place. Yes, our lifestyles have changed immeasurably, but the pillars of good financial habits always stay the same. And having a plan is an essential part of this. I want to say that it’s important to have a plan, but it’s ok if that plan changes. Our priorities change over time, especially in our twenties. I made my own long term financial plan and I’d love to teach you how to do the same. As well as a monthly money review I think it’s wise to do a yearly review of whether you are on track with your longer term plan and if you need to make any adjustments. Do you have a plan in place for your money? Let me know 👇

Here’s a little story for ya on how I stepped into the shoes of my dream job... I’ve always been a bit of a money nerd and a few years ago flirted with the idea of becoming an advisor until I saw that you pretty much deal with really complex scenarios in one specialised area. I love joining up a holistic picture so that wasn’t going to work for me. Then at the end of last year I was reading an article sponsored by @natwest which featured Emma Maslin, Money Coach @moneywhisperer_ . I’d never heard the term ‘money coach’ before, but it sounded like that ideal fit I was looking for and I was stoked that such a thing existed. In January of this year I trained with the UK’s leading financial coach @simonnegnessen who literally brought the concept of a financial therapist to the UK from the States and has been doing it for the last 20 years. Then a couple of things happened which threw me off course a bit. Number one, a tidal wave of imposter syndrome. Most other coaches had a background working 121 with people as a financial advisor or counsellor already. Who was I to put myself out there as a financial expert? I was just working from my first ten years of adulting where I had to teach myself everything and learn about money by trying things out. The second thing that happened was the global pandemic. As a newly trained coach who was I to guide people on how to navigate an economic situation that even seasoned city analysts were baffled by? With most of the nation suddenly worrying where their next paycheck might come from, it also didn’t feel right suddenly springing up as a new business and reminding people that saving for an emergency fund is a really good idea... Yea great, thanks Brenda 👍 During this time I had to work through my own mindset blockers and it also gave me a chance to really consider what contribution I want to make to the world of financial empowerment. I’ve now shaped my ten year plan and I am so excited to bring to life the projects I have in mind. My name’s Rosie, I’m a Money Coach and I can’t tell you how happy I am to be here working in an area that no joke changes lives!!!

What were your money mistakes? We hate to think about them but they are an important part of our money journey. Chances are they have probably been more influential in pushing you to fix your money habits than all those other times where things went to plan. Here are a few money mistakes I made earlier on: 😩 When I was in my teens I inherited a couple of grand from an aunt and by the time I was 18, going on trips into London and buying tonnes of stuff from vintage shops I’d pretty much spent it all. I felt so guilty about letting myself just fritter it away that from my early twenties, protecting and honouring my savings was crucially important to me. 😖 When I lived in Paris my scatterbrained self left my keys and phone and everything locked in my flat. I had to call out an emergency locksmith on a Sunday because I had a friend staying with me who needed to fly home. He broke into the flat then charged 1500 EUROS to the fix the lock. I was an impoverished intern so I cried and he reduced it to a thousand. Being forgetful was costing me serious cash so I resolved to get my act together after that (mostly!). To this day I ALWAYS check I have my keys before closing the door. 😫 When I left a well paid consultancy job I found out I’d not being getting the maximum employer pension contributions but in fact only been paying the minimum. This means that after five years I only had a paltry pension pot and missed out on a lot of free money. In my next job (with an asset manager!) I finally got right on it and with their delicious pension scheme in 9 months I managed to save double the amount I’d previously saved in five years! As with any mistake, it’s important to not get consumed by it but instead own it, learn from it, do things differently next time and move on. The decision to ‘never go there’ again can be so transformative. All about the growth. 🤩 Be brave.. tell me what money mistakes you’ve made 👇👇👇

In case you hadn’t realised yet, I’m here to say it... Getting rich quick is a myth of unicorn proportions. Stories you hear of people who seem like they built wealth overnight put in years of work that you never saw because they were probably earning peanuts and flying underneath the radar. The Money Jam is all about getting on the get rich slow train... 🌿 Making simple but clever decisions about how to manage your money that compound over time 🌿 Putting in the work to grow your value long term, investing in new skillsets so you can raise your professional profile and your earning potential You need patience and commitment but I bet you will love the process of watching yourself get better each day. Are you part of the get rich slow gang? I wanna hear it from the back 👇

How do you start to work on your financial education? There is so much great stuff out there for very little cost or totally free. Well written books are a great introduction to the topics of money management and money mindset. My favourite so far? 📚 Open Up by @alexandreholder which really unpacks the social dynamics surrounding our attitudes and decisions about money I also can’t wait for 📚 The Money Is Coming by @sarahakwisombe which is out at the end of this month so I can learn more about manifesting. I want to know your favourites! Let me know below👇

Sometimes we trick ourselves into thinking that we can only start investing when we have lots of money coming in. Early on in your career, there are many ways you can invest in other aspects of your life which will help you maximise your earning potential and accelerate success. Take a look through some of these ideas. Which is your favourite? Anything I’ve missed? Comment below 👇 ———————————- If you found this useful... 🌿 FOLLOW @themoneyjam 🌿 SHARE on stories 🌿 SAVE for later Turn on post notifications to start your day with a daily money mindset boost 👌