This is my very own story. It took me to sort my money out. I hid from it, I impulse shopped, I did a ton of low value spending...I never looked at my account unless I was transfering money at the checkout after my card declined.

I did ALL the dumb things.

and then I made a shift...and today I am sharing that with you.

I’m bringing it all together. This isn’t just about spreadsheets or financial hacks. It's three shifts (in no particular order) that changed my life and my money:

• The Emotional Shift moving from shame and fear into ownership and power.

• The Practical Shift building real systems, plugging leaks, creating cash cushions, and getting debt under control.

• The Identity Shift moving from “I’m hopeless with money” to “I know exactly where my money’s going.”

Because money isn’t about more stuff — it’s about more life.

It’s the last episode of the season, and I want to start with a huge thank you. This year we’ve covered it all: from emergency funds and sexually transmitted debt, to investing, boundaries, divorce, and even how to bring a little adventure into our money lives.

And while this is the last episode of the season, we’re not done yet. Keep an ear out for my limited series Women Talk Wealth, coming soon.

Because of you, My Happy Money Journey has become one of Australia’s leading podcasts for women over 40. I’m deeply grateful for your time, your ears, and your trust.

Try it yourself on our spend cleanse: LINK HERE

Join us in the facebook group HERE

Thanks to our sponsors

Entourage Finance and Property www.entourage.com.au

Forrest Superfoods LINK HERE

You know that money thing you know you should be doing, but somehow you never get around to? Yep today we are building your emergency fund.

In this episode I am going to show you how to save like a squirrel hoarding nuts for winter. This is your money, your financial freedom and possibly you FU fund. Whatever you call it, it is more than just a pile of cash. It’s peace of mind. It’s freedom. It's the stash that lets you walk away from a job, relationship, or situation that no longer serves you.

So why do we put off getting started?

Today we are taking a deep dive into money and the mindset around that question.

We’ll cover:

• Why money slips through our fingers (and how to stop it)

• The difference between a cash cushion and a true emergency fund

• How to identify your money blocks and move through them

• Practical ways to build it even if you only have small amounts

By the end, you’ll have both the woo woo and the practical tools to start building your emergency fund

Share your milestone with me in the Happy Honeys Facebook group or on socials! Let’s celebrate together.

Need more than gentle words of encouragement? Hop onto the spend cleanse LINK TO SPEND CLEANSE

Links

• Entourage Finance & Property – learn more at LINK TO MUSHROOM GOODNESS

Disclaimer: The information in this podcast is general in nature. Please seek advice from a qualified professional who understands your personal circumstances before making significant financial decisions.

🔥 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.