🔥 5 Habits to Build Financial Confidence (That Aren’t Budgeting B.S.)

If you’re done living pay-to-pay, done people-pleasing with your wallet, and absolutely DONE playing small with your money this episode is your wake-up call.

Phoebe breaks down the five everyday habits that help you rebuild confidence, rewire your money mindset, and create rituals that lead to unapologetic wealth. From building your Bye-Bye Buffer to investing with flow, this episode will have you rethinking what it means to feel “safe” with money and exactly how to get there.

What You’ll Learn:

• Why mindset work without habits is just expensive journaling

• How to identify and replace low-value spending habits

• What a Cash Cushion is (and how to build one FAST)

• Why every woman needs a Bye-Bye Buffer and how to set it up using round-up or micro-investment apps

• How to get your money out of stagnation and into flow

• How to add one “rich girl” ritual a week even on a budget

Mentioned in this episode:

• The 30-Day Spend Cleanse Calendar (Free Tool!)

• Micro-investing apps like Raiz, Spaceship, WeMoney, Up

• Links + Resources:

• 💸 Download the FREE 30-Day Spend Cleanse Calendar → Click Here

• 🎓 Join the 30-Day Spend Cleanse Course → Find out more here

• 💬 Come chat in the Happy Honeys Facebook Group → Join Us

• 🍄‍🟫Forest Superfoods Find out more
• 🙋‍♀️Entourage Link

Connect with Phoebe:

• Instagram: https://www.instagram.com/thehappymoneyjourney/

• TikTok: Phoebe Blamey

• Website: www.myphoebeblamey.com.au

Today we’re diving into a different kind of STD… one that spreads through love, trust, and silence: sexually transmitted debt.

This can look like a romance scam, on the other hand it can also look like the thing we just do in a relationship. Today I want to bust the money myth that we need to go along with what our significant other is doing in their business, that its somehow our responsibility to support our new partner and how to spot the signs that an STD might be coming your way...I also want to talk about how to support a friend experiencing an STD. Its something I have done wrong but I want to share the learning from that mistake.

Silence is expensive. Talking about money can save you thousands of dollars and a whole lot of heartache.

• Melanie’s story – how one woman’s $40,000 loan for her dream man turned into five years of debt and heartbreak.

• The emotional manipulation playbook – love bombing, gaslighting, guilt trips, and why smart women fall for these traps.

• The psychology of money & love – how our brains are wired to trust, to hope, and how spotting it can help us change.

• Why we ignore red flags – even when our friends are shouting at us about it

• How to protect yourself – from keeping your own bank account, to spotting red flags, to setting boundaries that keep you and your money safe.

Being vulnerable with money doesn’t mean you’re weak it means you’re human. The solution isn’t to hide all alone with your shame. You can build skills, safety nets, and support systems. Protecting your assets is smart. Saying no is really hard but you are not alone. .

• WIRE (Women’s Information and Referral Exchange, VIC) – Your invitation is here

  Build your own financial literacy with the 30 Day Spend Cleanse, find out more

We all think we’re supposed to look after everyone our partners, our parents, our kids, our grandkids. But what happens when that “responsibility” becomes a financial trap? This week I’m diving deep into the messy middle of money and relationships when love, obligation, and trust get tangled up with bank balances.

I’ll take you inside real-life stories from workshops and coaching sessions:

• When a partner’s business collapses and you’re the one propping it up

• When a sibling might be financially exploiting your ageing parent

• When kids (or the “Bank of Mum and Dad” culture) expect more than you can afford

We’ll talk about difficult conversations, long-term thinking, and why “no” is a complete sentence. Most importantly you’ll walk away with the tools and permission to protect your financial future without blowing up your relationships.

💡 Links and Resources:

• Join the 30-Day Spend Cleanse: Build boundaries and clarity in just 15 minutes a day

• Join our free Happy Honeys Facebook Group

• Follow me on Instagram, TikTok, LinkedIn and YouTube @phoebe.blamey

• Link for Forest Superfoods
• Thanks to our sponsor, find out more at entourage.com.au

Australia is on the brink of the largest intergenerational wealth transfer ever. Between $3.8 and $5 trillion will move from boomers to the next generation. Women will inherit 65% of it.

In this episode of My Happy Money Journey, Phoebe dives into the realities of inheritance:

• Why women inherit more, later in life

• How divorce, blended families, and “the eldest daughter effect” complicate things

• The sandwich generation’s struggle caring for parents while still supporting kids

• The rise of the Bank of Mum and Dad and the risks of living inheritances

• Why open conversations prevent conflict and even elder abuse

• The tax traps you need to know about (CGT, super, property sales)

• Why testamentary trusts aren’t just for the rich

• And how to find the right financial adviser in a shrinking market

Phoebe shares stats, stories, and strategies to help women not just receive money but truly own it.

Sponsor: This episode is brought to you by Entourage Finance & Property: helping Australians grow wealth through property, lending, and advice. Forest Superfoods

Download your FREE spend cleanse calendar HERE

When you’re over 50 and suddenly find yourself without a job, it’s more than a career hiccup it’s a seismic life shift. Add menopause, aging parents, adult kids moving home, or divorce, and it’s a perfect storm.

This week, Phoebe dives into the uncomfortable reality: women over 55 in Australia take, on average, 20 months to find new work (seriously) more than double the time of younger candidates. But that “forced pause” can be the catalyst for something far more exciting than you expected.

We’ll cover:

• Why redundancy rates and re-employment times hit women over 50 harder

• How to run your own “financial first aid” in the days after losing a job

• The critical role of knowing your burn rate

• How to plug your money leaks with the free 30-Day Spend Cleanse calendar (linked below)

• The surprising industries that do value mature female leadership

• Why AI literacy could be your best career insurance policy

• Smart, lean ways to start a business when venture capital is not flowing to women

Whether you’ve just been laid off or you’re quietly thinking “what if?”, this episode is about building a plan, protecting your finances, and reinventing your work life on your terms.

Links & Resources:

• Free 30-Day Spend Cleanse Calendar: Link Here

• Follow Phoebe on TikTok (its not just for Kids!!) : @phoebe.blamey

• Join the My Happy Money Journey Facebook Group: Happy Honeys on a Happy Money Journey

It could have been the worst week...but my money systems saved me!

This week is all about where the money systems you have really count. No its not when you look at your bank account, its when life hits the fan and everything falls apart. Because not all rich girl habits are about designer handbags or passive income dreams. Some are about finally having a freezer full of food when you're too sore to cook… or a cash cushion that lets you breathe when you can’t work.

In this episode, I break down the real, quiet, powerful habits that keep me calm, prepared, and actually wealthy. After four days in pain from a trapped nerve, I was reminded exactly why these habits matter. We’re talking systems, insurance, boundaries, and joy over convenience. It’s rich girl energy, when I really had none.

Over a third of businesses in Australia are started by women over 35 and we’re doing it at almost double the rate of men. But we’re not just chasing profit,we’re chasing freedom, flexibility, and purpose. In this episode, Phoebe shares why so many women are walking away from the corporate treadmill to build something of their own and what it really takes to make your business financially sustainable.

From the untold story behind the female entrepreneurship boom to the cold, hard truth about subscription costs, pricing your offers, and paying yourself more than a guilt-soaked 1% this is your no-BS, emotionally honest, number-crunching chat about building a business that actually supports you.

If you’re a woman in midlife thinking of starting a business or knee-deep in one and wondering, “Is this even working?” this one’s for you.

🎁 Get support & tools mentioned in this episode:

• 🔧 Book a Happy Hour coaching session – 1:1, powerful,

• 🚀 Join the Business Builder program: includes 3 months of 1:1 coaching: use code THRIVE25 for 25% off

• 📚 Free Business Builder tools + downloads: phoebeblamey.com.au

• 🎥 Follow on YouTube for practical video tips

• 📖 Read The Happy Money Journey (book): Buy it here

🎧 If you loved this ep… 👉 Share it with the midlife woman in your life who’s cooking dinner while side-eyeing her LinkedIn profile and wondering what if? 👉 Leave a 5-star review and tell us what your dream business looks like. 👉 Subscribe for weekly deep dives into money, business, midlife pivots, and making it all work for you.

In this episode, we’re ditching perfection and chasing progress, because financial freedom isn’t about doing everything “right.” It’s about healing your money wounds, learning the basics, and transforming your relationship with money using simple, consistent actions.

I’ll take you through:

• Why it’s time to stop faking it and start faithing it

• How money trauma shows up (even in high earners)

• The three-step formula to create financial peace without pressure

• What it really means to build systems around your life (not the other way around)

• How tiny financial choices lead to powerful freedom

This one’s part pep talk, part plan, and all heart. Whether you’re swimming in spreadsheets or ignoring your statements altogether, this episode is for you.

🎁 Want to reset your money habits? Try the 30-Day Spend Cleanse and use code THRIVE25 for 25% off: 👉 LINK HERE

📺 Find us on You Tube https://www.youtube.com/@phoebeblamey

📚 Grab the free workbook click here