In today's episode, Hazel discusses the allure of flashy material possessions versus the importance of focusing on financial freedom and cash flow. Through anecdotes about property investments and the realization of prioritizing cash flow over flashy assets, she considers the significance of aligning personal goals with what truly matters.

KEY TAKEAWAYS

• Focus on cash flow over material possessions: Prioritize building cash flow that can set you free from financial constraints rather than chasing flashy items like big houses and fancy cars.

• Practice delayed gratification: Make conscious choices to invest in income-generating assets before indulging in luxury items, allowing for long-term financial freedom.

• Align head, heart, and gut: Conduct thorough research (head), identify what you love and excel at (heart), and trust your intuition (gut) to choose the right wealth-building strategy.

• Shift goals as priorities change: Allow your goals to evolve over time, aligning with what truly matters to you and adapting to new circumstances.

• Strive for personal growth and impact: Aim to be the best version of yourself, prioritize what is important to you, and set an example for those around you while pursuing financial freedom.

BEST MOMENTS

"I found that it can be quite dangerous to keep up with the Joneses, to see somebody else and think, yeah, I wanna be like them, I wanna have the things that they have. In this country, we seem to be a little bit obsessed with comparison."

"There are definitely people out there who have achieved the level of success that they portray, but it comes down to a level of research."

"Delayed gratification is one of the most important things that you can do in your wealth journey."

"The most important thing is to live the way that you want, to be concentrating on the things that are most important to you."

VALUABLE RESOURCES

Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances...

https://www.the-freedom-club.com/on-the-money-2024

ABOUT THE HOST

Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.

She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent…

Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.

During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest.

CONTACT METHODS

Website
Instagram

In this episode, Hazel delves into the topic of self-sufficiency inspired by a conversation with her son's girlfriend. Hazel reflects on her own experiences of being self-sufficient from a young age, sharing a personal story of traveling to music college in London every Saturday as a teenager. She emphasizes the importance of self-reliance in achieving goals and building wealth, drawing parallels to her husband's similar journey. Hazel encourages listeners to take the first steps towards financial self-sufficiency by filling in a financial spreadsheet provided in the episode. Through personal anecdotes and practical advice, Hazel highlights the transformative power of self-sufficiency in shaping one's life and invites listeners to embark on their own journey towards independence and success.

KEY TAKEAWAYS

• Self-sufficiency and self-reliance are crucial for personal growth and success.

• Being self-sufficient requires discipline, organization, and the ability to navigate challenges independently.

• Taking initiative and making things happen for oneself is essential in achieving goals.

• Appreciating support from others becomes more profound when one has experienced self-sufficiency.

• Starting with small steps, such as filling in a financial spreadsheet, can lead to significant progress towards self-sufficiency in various aspects of life.

BEST MOMENTS

"I had to get everywhere under my own steam. That's what I was taught when I was young."

"It taught me discipline. This taught me that I had to get places under my own steam."

"It made him realize that you've got to have your own back. You've got to find your own way."

"It's imperative that you become self-sufficient and self-reliant and be able to pull on that resource."

"You take those first steps and everything comes rushing in to help you."

VALUABLE RESOURCES

Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances...

https://www.the-freedom-club.com/on-the-money-2024

ABOUT THE HOST

Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.

She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent…

Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.

During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest.

CONTACT METHODS

Website
Instagram

In today’s episode, Angus Blackburn, an accounting professional living in Chile, shares his journey towards financial freedom and personal development. Angus shares with Hazel how he initially sought financial freedom but quickly realised the importance of identifying his purpose and values in life. Through his involvement in the Freedom Club community, Angus found a balance between financial discipline and personal growth, leading to a more relaxed and content mindset.

KEY TAKEAWAYS

• Angus initially sought financial freedom but quickly realized the importance of personal development and exploring his purpose and values in life.

• Through the Freedom Club, he learned to take a balanced view of all aspects of his life, leading to contentment and success.

• Angus has benefited from both one-on-one sessions and group interactions within the Freedom Club, finding value in the deep, quality conversations and diverse perspectives.

• His understanding of wealth has evolved to encompass not just financial security but also relationships, personal health, and leisure, emphasizing the importance of balance in all aspects of life.

BEST MOMENTS

"Trust the fact that if you put the work in, if you get clarity on what your underlying values and objectives and purpose is, and then work hard and be dedicated to one's causes, then there's really very little to worry about."

“I would say wealth used to mean financial wealth. I mean, I would never really have thought about wealth having a definition beyond that in the financial sense previously."

"I think finding a balanced position and moving forward, living your life in that balanced way is the number one lesson that the Freedom Club has taught me so far."

“We live in a a mostly financial capitalist world where having money is a requirement and having a good degree of financial security can certainly help improve one's overall wealth. But actually, it probably doesn't mean that much if other aspects of one's wealth are in deficit.”

VALUABLE RESOURCES

Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances...

https://www.the-freedom-club.com/on-the-money-2024

ABOUT THE HOST

Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.

She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent…

Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.

During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest.

CONTACT METHODS

Website

Instagram

You’re seeking new ways to create true wealth and more time freedom in your life. We get it! If this describes you, you’re in the right place…

Join us each week for wealth-creation wisdom, new and innovative investing insights, and inspired ways to help you realise more financial and lifestyle freedom alongside your busy career or business (or perhaps just 'life' here?), with our dedicated and experienced ‘Wealth Whisperer’, Hazel de Kloe.

If you want to truly break free from the everyday grind (who doesn’t?!) and live a life of purpose, passion and freedom, this show is for you!

Do you have a deep interest in all matters related to living a free, joyous and inspired life? Then listen in to explore your own journey towards true, personal, freedom.

KEY TAKEAWAYS

• Good debt is borrowings you must allow you to buy other things that bring money into your pocket. For example, rental property; you buy a property with a mortgage & the rent is set above the mortgage payment so it’s bringing money into your pocket.
• Bad debt takes money out of your pocket, such as putting your holiday on a credit card, or you have a card payment to make, or you have a store card which you’ve racked up & you’re having to pay out each month.
• Make a list of all the debts you have, how much you own & to whom you owe it, the interest rates that you’re paying, the monthly payments, & their due dates. Figure out the highest interest rates that you’re paying – these are usually store credit cards & payday loans – & see if you can negotiate a lower interest rate.
• You may be able to switch provider or consolidate them into one bigger loan with one lender, one payment for less interest. Make sure you pay the minimum payments on them all and set up direct debits for them all, so you never miss a payment & your credit score won’t get affected. Once you have money left over & you can afford to pay more, begin paying extra lump sums off the highest interest rate debt to bring it down quicker.

BEST MOMENTS

‘To become a really good manager of debt you need to know your credit score.’

‘If you don’t learn how to manage your debt responsibly it can easily spiral out of control.’

‘Look for the lowest cost of borrowings that you possibly can, this will usually be over a longer time.’

‘Become super responsible with handling debt, the more responsible you can be handling debt the more you’re going to be given to work with. This is an empowering position to be in.’

VALUABLE RESOURCES

Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances...

https://www.the-freedom-club.com/on-the-money-2024

ABOUT THE HOST

Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.

She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent…

Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.

During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest.

CONTACT METHODS

Website
Instagram

You’re seeking new ways to create true wealth and more time freedom in your life. We get it! If this describes you, you’re in the right place…

Join us each week for wealth-creation wisdom, new and innovative investing insights, and inspired ways to help you realise more financial and lifestyle freedom alongside your busy career or business (or perhaps just 'life' here?), with our dedicated and experienced ‘Wealth Whisperer’, Hazel de Kloe.

If you want to truly break free from the everyday grind (who doesn’t?!) and live a life of purpose, passion and freedom, this show is for you!

Do you have a deep interest in all matters related to living a free, joyous and inspired life? Then listen in to explore your own journey towards true, personal, freedom.

KEY TAKEAWAYS

• To be truly wealthy in mind, body, and your back pocket you must learn to follow your bliss in life. Who wants to wake up numb and going through the same motions each day. It’s all about making small changes in your life to get the things that you want and have the life you would like.
• The more you do work and activities in your life that fill you up the more you’re going to be able to receive and give to others that same feeling in a similar way. The more you do these things and bring a level of awareness to these things is when you’ll start to live a truly wealthy life, when you do these opportunities and synchronicities will start appearing that would not have been there if you’d stayed in a state of misery/discomfort/unhappiness.
• What’s the common thread of joy in your life, what are you passionate about, what do you really enjoy? Is it seeing others happy, taking pride in your work, feeling a sense of fulfilment & achievement in what you do? What about it makes you feel like that? Typically, people who are truly successful do this without even thinking about it.

BEST MOMENTS

‘You’re never going to be wealthy doing something that you hate, makes you feel bad or like you’re on a hamster wheel, find something that you enjoy and start from there.’

‘Following your bill is going to be the common theme to doors opening & opportunities presenting themselves & you being able to really discover what your wealthy life looks like.’

‘Don’t confuse this with being rich, being rich and being wealthy are two completely different things.’

VALUABLE RESOURCES

Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances...

https://www.the-freedom-club.com/on-the-money-2024

ABOUT THE HOST

Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.

She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent…

Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.

During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest.

CONTACT METHODS

Website
Instagram

In this episode, Hazel shares quick money-making tips for those looking to kickstart their journey towards financial freedom. She provides a variety of practical suggestions, ranging from utilising cashback offers and checking for entitlements to renting out a room in your home or starting a side hustle. Hazel emphasises the potential for anyone, regardless of their current financial situation, to start building wealth by exploring different avenues for earning extra income. Her engaging and informative tips offer listeners inspiration and actionable steps to begin growing their financial resources.

KEY TAKEAWAYS

• Quick money-making tips were shared to help individuals start their journey towards financial freedom.

• Various methods such as cashback offers, benefits entitlements, and providing lodgings in one's home were suggested to earn extra cash.

• Online opportunities like selling unwanted items, participating in market research, and affiliate marketing were highlighted as potential income sources.

• Turning hobbies or skills into a side hustle, such as tutoring, selling merchandise, or offering services like gardening or babysitting, can also generate additional income.

• Work-related quick fixes like overtime, asking for a pay raise, or taking on part-time work were recommended to boost monthly earnings.

BEST MOMENTS

"I sometimes get people come to me and say, Hazel, I would love to start my journey towards financial freedom. However, I don't have much left at the end of each month to start working with."

"You could also potentially take in foreign exchange students for a short period of time, maybe a week, maybe a couple of weeks or a month. And again, get paid for that."

"My mother was the absolute queen of this. She turned her hand to a number of different things. She was pretty skilled and very arty, and so she turned her passion for cooking into doing cookery courses for a period of years."

"There really is no excuse to actually start making yourself an extra bit of cash so that you can put that towards your own financial freedom journey and you can, you know, build up a pot to work with."

"Even if you have a pound, start with a pound and think of the different ways that you can increase that pound. How could you double it? What could you do? You know, it's just, it gets the juices flowing and it gives you inspiration as to what's possible when you start to see it accrue."

VALUABLE RESOURCES

Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances...

https://www.the-freedom-club.com/on-the-money-2024

ABOUT THE HOST

Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.

She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent…

Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.

During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest.

CONTACT METHODS

Website
Instagram

You’re seeking new ways to create true wealth and more time freedom in your life. We get it! If this describes you, you’re in the right place…

Join us each week for wealth-creation wisdom, new and innovative investing insights, and inspired ways to help you realise more financial and lifestyle freedom alongside your busy career or business (or perhaps just 'life' here?), with our dedicated and experienced ‘Wealth Whisperer’, Hazel de Kloe.

If you want to truly break free from the everyday grind (who doesn’t?!) and live a life of purpose, passion and freedom, this show is for you!

Do you have a deep interest in all matters related to living a free, joyous and inspired life? Then listen in to explore your own journey towards true, personal, freedom.

KEY TAKEAWAYS

• Start to manage your finances: Know what’s coming in and, more importantly, what’s going out. Once you’ve determined how much is going out you can start to know and understand what you’re working towards.
• Learn to manage your debt well: Know and understand what your credit score is, it’s very likely that you’re going to need to play the game and take out credit to help you along the way as it will benefit you to do so. Know and understand what your debts are, have a list of them, figure out the most expensive ones and pay them off first or negotiate the rates.
• Learn how to negotiate: This can be one of the most powerful tools in your financial freedom box. Start of haggling on the little things and then apply this to the bigger things. You can save yourself a literal fortune over time.
• Learn about investing and generating passive income: Categorically, I can say, without fail, no matter how nig your salary is, you will never earn as much as you can make by investing well.

BEST MOMENTS

‘Have a clear goal in mind: Resistance is created through a lack of clarity.’

‘Learn how to budget, it helps you to live within your means and as frugally as you can afford to.’

‘Save as much as you possibly can.’

‘Take full responsibility for your finances. No one else will ever have your best interests at heart than you.’

VALUABLE RESOURCES

Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances...

https://www.the-freedom-club.com/on-the-money-2024

ABOUT THE HOST

Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.

She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent…

Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.

During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest.

CONTACT METHODS

Website
Instagram

You’re seeking new ways to create true wealth and more time freedom in your life. We get it! If this describes you, you’re in the right place…

Join us each week for wealth-creation wisdom, new and innovative investing insights, and inspired ways to help you realise more financial and lifestyle freedom alongside your busy career or business (or perhaps just 'life' here?), with our dedicated and experienced ‘Wealth Whisperer’, Hazel de Kloe.

If you want to truly break free from the everyday grind (who doesn’t?!) and live a life of purpose, passion and freedom, this show is for you!

Do you have a deep interest in all matters related to living a free, joyous and inspired life? Then listen in to explore your own journey towards true, personal, freedom.

KEY TAKEAWAYS

• Talking about money is such a big subject and is quite taboo in some cultures. Why is that? Maybe it’s time to break the spell/myth about talking about money. It’s such a fundamental part of our society, it should be talked about at school, in society in general & even at home with our nearest and dearest.
• My parents talked to me about money and their struggles with it when I was young. This gave me a good, healthy relationship with understanding what it took to have money coming in, why it was important to manage where it was going out & how they could work with what they had to save and do what they wanted to do with it.
• Are we just sent to school to be churned out to be good employees or money-makers for the taxman/government/anyone else who wants a piece of us? How often are we shown how to make it work for us?

BEST MOMENTS

‘Why, as a society, have we not been encouraged to talk about money/finance and how to work with it? Why is it not one of the major topics in the education system? It should be.’

‘When was the last time you have a really great conversation about money? How much you could earn, what you could do to improve your situation and grow your wealth.’

‘Tax Freedom Day is around the end of May, meaning that for the first 5 months of the year you are paying your entire salary towards taxes. That’s insane! What’s it being spent on?’

VALUABLE RESOURCES

Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances...

https://www.the-freedom-club.com/on-the-money-2024

ABOUT THE HOST

Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free.

She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent…

Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'.

During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest.

CONTACT METHODS

Website
Instagram