Welcome to another episode of My Happy Money Journey with Phoebe Blamey! This week, we're lifting the veil on debt and looking at it in a totally new light. Forget the stories of brown rice and Vegemite as you pay off your mortgage—it's time to rethink the "debt is bad" narrative and use it as a tool for building wealth. 🏡💡

In this episode, Phoebe dives into:

• The Real Cost of Debt: Understanding the difference between good and bad debt

• Using Debt to Build Wealth: How leveraging debt for assets and investments can work for you

• Impulse vs Strategy: Why focusing on long-term wealth creation is better than reacting to short-term desires

• Home Loans & Car Loans: How strategic debt can create freedom and peace of mind

• Smart Money Moves: The benefits of investing, leveraging property, and using debt as part of your wealth-building strategy

Phoebe also shares real-life examples of how using debt wisely can change your financial outlook, and why it's crucial to focus on strategic debt over knee-jerk reactions like impulse buying.

So, let's stop feeling guilty about having debt and start thinking about how to use it to level up in life.

Resources Mentioned:

• The Motley Fool article

  https://www.fool.com.au/2024/12/02/heres-the-average-asx-stock-market-return-over-the-last-10-years-and-what-it-means-for-the-next-10-years/

Previous episodes on getting debt-free without losing joy, and shifting your mindset around debt#money #moneymindset #debtfree #womenandmoney #wealth #wealthcreation #makemoremoney

🔗 Links:

• Motley Fool article

• Getting Debt-Free Without Losing Your Joy

• Shifting Your Mindset Around Debt

• More on Investment Types & Strategy Coming Soon!

Bruised

💥 Episode Summary: If you’ve ever felt like money just slips through your fingers... or worse, like you’re not meant to be wealthy — this episode is for you.

Phoebe gets real about the emotional side of money — the stuff no spreadsheet can fix. We’re diving deep into the four core money wounds that quietly shape the way women save, spend, and sabotage their finances:

• The Safety Wound: when you save obsessively but never feel secure

• The Worth Wound: when you overgive or undercharge because you don’t feel “ready”

• The Avoidance Wound: when you ignore money entirely (but call it being too busy)

• The Neglect Wound: when no one ever taught you how to build wealth — and now you don’t know where to start

This is your wake-up call and warm hug rolled into one. You’ll leave with a deeper understanding of what’s been blocking your money journey — and a practical first step to start healing it.

✨ In this episode, Phoebe covers:

• Why traditional financial advice falls short for most women

• The origin story behind each money wound (and how to spot yours)

• Relatable examples that will make you say “Oh my god, that’s me”

• One powerful, doable action step for each wound to start your healing today

• How healing your money wounds unlocks true financial freedom — on your terms

🔗 Resources & Links:

• Grab the free workbook: My Mindful Money Journey

• Join the 30-Day Spend Cleanse: Click here

• 🧠 Quote to remember:

“You are not bad with money. You are a woman healing. And healed women build wealth.”

💬 Love this episode? Leave a review on Apple Podcasts or share this episode with a friend who’s ready to stop avoiding their bank balance and start owning their financial power.

In this episode of My Happy Money Journey, we're getting deep into the story behind the story — your money story. This is the internal script that's been quietly dictating how you earn, spend, save, and feel about money. And let’s be honest, most of it isn’t even yours. It’s inherited. It’s outdated. It’s patriarchal as hell.

Phoebe unpacks how these generational money stories are passed down like cursed heirlooms — through grandma’s hoarded cash, mum’s hidden shopping bags, and your own beliefs about being “bad with money.” We’ll talk about how history (and hysteria) shaped our scarcity, why your super matters more than your star sign, and how to stop repeating financial history that isn’t yours.

Stick around ‘til the end for a special FREE gift to help you get clear, confident, and unapologetically wealthy.

What You'll Learn:

• What a money story really is and how it's secretly running the show

• Why women are still playing small — and how to stop it

• The role of patriarchy, capitalism, and even kitchen roasts in your beliefs

• How to identify inherited money myths and rewrite them

• The power of taking one empowered action (and what it might be for you)

Special Gift: Get Phoebe’s Money Mindset Journey eBook — your free guide to clearing your money wounds and reclaiming your financial power. [Download Here] https://www.happymoneyjourney.com.au/pl/2147725995

Resources & Mentions:

• Risk profile quizzes from licensed financial planners

• Check your super fund investment mix

Connect with Phoebe: 📸 Instagram: @phoebeblamey 📬 Newsletter: Sign up at myhappymoneyjourney.com 🎧 Subscribe wherever you get your podcasts

Ever been hit with an unexpected bill, a broken appliance, or a mini disaster that made you think, “How the hell am I going to afford this?” You are not alone—and you’re not powerless. In this episode, I’m diving into how to build a cash cushion that gives you peace of mind and power when life throws a curveball. We’re also getting into some clever, practical ways to find fast cash right now (no, not selling a kidney).

I’ll tell you exactly how I handled an Airbnb nightmare without panic—and why 10-years-ago-me would’ve completely lost it. You’ll walk away with the steps to build your own financial buffer, the confidence to face unexpected bills, and the tools to bounce back with ease when life gets messy.

This episode is sponsored by Entourage Finance and Property – helping Aussies grow wealth through smart home loan lending and expert advice.

In this episode you’ll learn:

• What a cash cushion is (and what it’s not)

• Real-life story of financial chaos and calm

• 7+ fast ways to find extra money

• How to stop unexpected expenses from derailing you

• Why using your cushion isn’t a fail—it’s the flex

Links and Resources:

• Claim your unclaimed money:

• Contact these state government agencies to search for other forms of unclaimed money.

  • ACT: Public Trustee and Guardian for the ACT
  • New South Wales: Revenue NSW
  • Northern Territory: Northern Territory Treasury
  • Queensland: Public Trustee of Queensland
  • South Australia: SA Department of Treasury and Finance
  • Tasmania: Tasmanian Department of Treasury and Finance or phone (03) 6166 4188
  • Victoria: State Revenue Office Victoria
  • Western Australia: WA Department of Treasury

• Learn more about Entourage: https://www.entourage.com.au

• DM Phoebe with your Cash Cushion action on IG @phoebeblamey

Is your grocery bill making you want to cry into your $9 toothpaste? Same. But you don’t have to just accept ridiculous prices as your new normal. In this punchy, practical episode, Phoebe Blamey shares her no-nonsense grocery shopping playbook so you can own your finances, not hand them over every week without thinking.

You'll learn exactly how to:

• Plan before you shop to avoid the accidental "10 tins of tomatoes" situation

• Ditch unnecessary brand loyalty (same pasta, lower price, smarter choice)

• Bulk buy without becoming a Costco hoarder

• Outsmart sneaky supermarket tricks (we see you, middle aisle at Aldi)

• Make markets your secret weapon for fresher, longer-lasting food

• Use sales cycles and discount hacks to get ahead (hello, pet food stockpile)

• Make leftovers your new money-saving BFF

Phoebe keeps it real with personal stories, clever hacks, and empowering reminders that your money belongs to you, not Woolies or Coles. Tune in and start shopping like the financially savvy powerhouse you are.

Sponsored by: Entourage Finance and Property — Supporting Australians on their wealth journey. Learn more at entourage.com.au

Today, we’re talking about the habits I picked up when I had very little money—habits that I have intentionally kept even as I became unapologetically wealthy. And here’s the thing: a lot of what keeps women financially stuck has nothing to do with what we earn and everything to do with what we’re taught to spend on.

The truth is, women are subjected to a relentless pressure to look a certain way. From hair, to weight, to fashion, we are quietly taxed every single day just to be seen as “professional” or “acceptable.” This pink tax doesn’t just hurt our wallets—it delays our financial independence.

In this episode, I unpack:

• How societal pressures sabotage women’s savings and investment goals

• The reality behind the so-called "pink tax" on women

• The 5 (plus one sneaky extra!) broke girl habits I still live by

• Hacks for looking and feeling fabulous without blowing your wealth goals

• Why challenging price structures, subscription creep, and unnecessary spending is the ultimate feminist act

If you’re ready to get serious about building real wealth—and doing it on your terms—this is your permission slip to start (or keep going).

Resources and Mentions:

• Financial Feminist by Tori Dunlap

• Hair House Warehouse (DIY hair touch-up supplies)

• My go-to secondhand and op-shopping tricks

Call to Action: ✨ Share your favorite "broke girl" habit that you still use today! Comment on the episode post or DM me @thehappymoneyjourney

🎧 Listen now and start hacking your way to unapologetic wealth.

Ready to stop playing small with your money and start taking up serious space—in your bank account, your business, and your life? In this candid Q&A episode, Phoebe answers the money questions most of us are too embarrassed to ask out loud—how to tackle debt without drowning in shame, how to stop feeling guilty every time you spend on yourself (yes, even on that serum), and how to budget when your income is one big financial rollercoaster.

Inside this episode:

• How to get out of debt with dignity—and why shame has no place in your bank balance

• The truth about spending guilt, especially for women juggling family, work, and everyone else's needs

• What to do when your business income is either Beyoncé or beans on toast

• Simple money systems for real people—no 27 bank accounts required

This one’s honest, empowering, and just what you need if you’re ready to step into your CFO energy and build your unapologetically wealthy life—without giving up joy.

Free Resources Mentioned: ✨ [Debt spreadsheet download] ✨ [Related episodes on debt] ✨ Join the Happy Honeys Facebook group ✨ Connect on Instagram [@phoebeblamey]

Call to Action: Got your own burning money question? Slide into Phoebe’s DMs, leave a comment, or drop it anonymously via the website. This is a judgment-free zone!💸

Are you a woman over 40 looking for information about money without the mansplaining?

Welcome to My Happy Money Journey—the no-shame, no-fluff podcast for women over 40 who are ready to rewrite the money rules, take control of your finances, and live life on your terms.

Hosted by award winning money expert Phoebe Blamey, each episode is packed with smart, straight-talking advice to help you get out of debt, build real wealth, and create a life that actually feels good (not just looks good on a spreadsheet).

We’re done with toxic money culture, guilt-driven budgeting, and advice that doesn’t reflect our reality. Here, we talk about money with honesty, humour, and the belief that financial freedom should be available to every woman—no matter her past, her income, or her starting point.

Whether you’re navigating divorce, ditching debt, starting over, or stepping into your power for the first time—this is your space.

...it’s all part of your own happy money journey.

Take 20 minutes out of your week to listen to someone that has been on the journey. #money #WomenAndMoney #financialfreedom #women