Advertise on podcast: Pennies To Pounds Podcast

Send us a text Pennies To Pounds presents Where We Learned It, a powerful roundtable conversation exploring how money, culture and legacy shape the Black British experience. Hosted by Kia Commodore, this discussion brings together Emmanuel Asuquo, Angel Arutura, Rotimi Merriman-Johnson and Elaine Babey for an honest conversation about money, identity and community. Together, they unpack where we really learned about money growing up, the unspoken financial rules that shaped us, and how a new generation is redefining Black British wealth. 🎥 Watch the full roundtable on YouTube: https://youtu.be/IhX-yImevkQ In this episode, we explore: How money lessons were passed down through generationsThe influence of culture and community on financial habitsThe unspoken rules of money within Black British householdsHustling culture, legacy and redefining successHow Gen Z and Millennials view wealth, stability and freedomThis episode dives deep into financial education, cultural legacy and generational wealth within the UK’s Black community. Expect honesty, reflection and real stories that connect finance to everyday life. Next time, we’ll be exploring another community of underserved voices in the next edition of the Where We Learned It roundtable series — continuing the conversation on money, identity and culture from new perspectives. Support the show FOLLOW PENNIES TO POUNDS 💸 Instagram - https://www.instagram.com/penniestopoundspod/ Twitter - https://twitter.com/penniestopound TikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1 LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds Website - www.penniestopounds.co.uk Contact - [email protected]

Send us a text We’ve all copied money advice we thought would make us rich — but what if it’s actually keeping you broke? In this episode, Kia is joined by Kennie Bukky, finance expert and money strategist, to separate the smart moves from the scams. From the worst financial advice that still goes viral, to the habits that quietly build wealth over time, Kennie is here to cut through the noise. 💡 We get into: The biggest money myths keeping Gen Z and Millennials brokeWhy “looking rich” and being rich are two completely different thingsThe simple money changes that instantly improve your financesHow to filter financial advice when everyone online claims to be an expertThe 3 things you should prioritise with money in your 20sPlus, we play Rich or Ridiculous, debating everything from Buy Now Pay Later to quitting your job to become a content creator. This episode will make you rethink the money moves you copy, helping you finally start building wealth on your own terms. Support the show FOLLOW PENNIES TO POUNDS 💸 Instagram - https://www.instagram.com/penniestopoundspod/ Twitter - https://twitter.com/penniestopound TikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1 LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds Website - www.penniestopounds.co.uk Contact - [email protected]

Send us a text Forget what you’ve heard — apprenticeships aren’t just for people who “couldn’t get into uni.” In this episode, Kia sits down with Elijah, founder of The Black Apprentice Network, to break down the truth about degree apprenticeships, why they deserve way more respect, and how they can set you up for success — without £30K of student debt. We get into: 💡 The biggest myths about apprenticeships (and why they’re wrong) 💡 The hidden benefits no one talks about — from networking to early career wins 💡 Whether uni is oversold to young people in 2025 💡 The real career progression after an apprenticeship 💡 Why more schools need to talk about apprenticeships like they talk about UCAS Whether you’re picking your post-school path or thinking about a career switch, this conversation will make you look at apprenticeships in a whole new light. 👇 Question for you: If you could go back, would you choose uni, an apprenticeship, or something else entirely? 🎧 Subscribe for more unfiltered conversations on money, culture & careers. Support the show FOLLOW PENNIES TO POUNDS 💸 Instagram - https://www.instagram.com/penniestopoundspod/ Twitter - https://twitter.com/penniestopound TikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1 LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds Website - www.penniestopounds.co.uk Contact - [email protected]

Send us a text In this episode, we’re joined by Elvire Matu, aka SaveWithElvs, the go-to plug for money-saving hacks, smart spending tips, and real-life cheat codes for surviving (and thriving) in 2025. From travel deals and cashback apps to lifestyle traps and common money leaks, Elvire is breaking down how to stretch your cash without shrinking your lifestyle. 💡 We cover: The biggest spending mistakes people make without realisingThe apps and browser hacks Elvire swears byHow to afford more without earning moreWhether £10 coffees, girl math, and soft life spending are actually that deepHow to still live well when the cost of living is costing your whole paycheckPlus, she shares the one money move she’ll never regret — and the one she’d absolutely bin if she could go back. If your bank balance resets to £0 by the 15th of every month, this episode is your sign! Support the show FOLLOW PENNIES TO POUNDS 💸 Instagram - https://www.instagram.com/penniestopoundspod/ Twitter - https://twitter.com/penniestopound TikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1 LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds Website - www.penniestopounds.co.uk Contact - [email protected]

Send us a text In this episode, writer, financial educator and all-around gem Anna Brading joins Kia to unpack the real link between money and confidence, why financial advice often leaves women behind, and what it actually takes to rewrite your money story in your 20s and 30s. From early money trauma to navigating imposter syndrome and building a life on your own terms, Anna shares the lessons she’s learned and the bold decisions that changed everything. We talk about: Why your confidence shouldn’t depend on your bank balanceThe quiet financial decisions that actually build freedomOwning your story, even when it feels messy or lateWhat inspired Anna’s new book 'Money Mentor' — and how it redefines successWhether you’re in your broke era, healing era, or boss era — this one’s for you. Support the show FOLLOW PENNIES TO POUNDS 💸 Instagram - https://www.instagram.com/penniestopoundspod/ Twitter - https://twitter.com/penniestopound TikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1 LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds Website - www.penniestopounds.co.uk Contact - [email protected]

Send us a text In this episode of Pennies to Pounds, Kia unpacks what it really means to enjoy life without sabotaging your financial future. Forget the old-school advice about constant sacrifice — this one’s about balance, strategy and enjoyment. Here’s what you’ll get: Smart ways to enjoy luxury on a budget (yes, including travel)The spending hack that keeps guilt out of your purchasesWhy a little planning goes a long way with flights, hotels and upgradesHow to make your lifestyle work for your money, not against itLearn how to build wealth and live well. Support the show FOLLOW PENNIES TO POUNDS 💸 Instagram - https://www.instagram.com/penniestopoundspod/ Twitter - https://twitter.com/penniestopound TikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1 LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds Website - www.penniestopounds.co.uk Contact - [email protected]

Send us a text The finance world is being transformed by artificial intelligence, with 73% of Gen Z and millennials now trusting AI more than human financial advisors to manage their money. This episode explores how AI can work for you rather than replace you. APPS MENTIONED: Cleo - https://web.meetcleo.com/Emma - https://emma.to/kiacommodorePlum - https://friends.withplum.com/r/x92P009iFMFreetrade - https://magic.freetrade.io/join/kia/07e18a08Moneybox - https://www.moneyboxapp.com/Pennies To Pounds AI Money Coach - https://stan.store/penniestopounds/p/your-ai-money-coach--by-pennies-to-poundsIf you're interested in trying AI-powered financial tools or have questions about which ones might work best for you, DM us @penniestopoundspod for personalised recommendations. Support the show FOLLOW PENNIES TO POUNDS 💸 Instagram - https://www.instagram.com/penniestopoundspod/ Twitter - https://twitter.com/penniestopound TikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1 LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds Website - www.penniestopounds.co.uk Contact - [email protected]

Send us a text This episode features an entrepreneurial journey filled with financial challenges, moments of doubt, and unexpected breakthroughs that keep dreamers moving forward. Priscilla shares her personal story of building a children's book series while balancing financial struggles and maintaining faith in her vision. We discuss: Turning something you love into a business can bring unexpected challenges that make it harder to enjoy at first Money problems can be challenging to handle and can seriously affect your mental health Key moments and the right people can completely change the direction of your business The importance of reaching out and connecting with others, even when success feels far away Building something that lasts takes time, patience, and a lot of hard work. Sometimes, just one person believing in your actions is enough to keep you going. If you enjoyed this episode, follow The Anaiyah Series on Instagram at @theanaiyahseries or visit theanaiyahseries.com to learn more about Priscilla's children's books and upcoming animation series. • Purchase 'How To Handle Money' - https://amzn.eu/d/gjomK0T Support the show FOLLOW PENNIES TO POUNDS 💸 Instagram - https://www.instagram.com/penniestopoundspod/ Twitter - https://twitter.com/penniestopound TikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1 LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds Website - www.penniestopounds.co.uk Contact - [email protected]

Send us a text In this episode, we’re diving deep into why financial protection is non-negotiable and how to safeguard your future with the right insurance. We’ll break down key areas like income protection, life insurance, and critical illness coverage so you can make informed choices about your financial security. Here’s what we’re unpacking: Why the unexpected can happen anytime, and how to be prepared.The importance of income protection and how it keeps you covered if things go wrong.What life insurance does and why it’s essential, even if you think you’re too young.Why critical illness cover is a game-changer — and why everyone needs it.Busting common myths about insurance that could cost you down the line.Tips on how to find the right financial advisor or broker to guide you through the process.Ready to protect your future? For more personalised advice, contact Adrian Benjamin for a free consultation on social media. FOLLOW ADRIAN: 💰 Instagram: https://www.instagram.com/adrian1b1/ 💰 LinkedIn: https://www.linkedin.com/in/adrian-benjamin-cemap/ 💰 Facebook: https://www.facebook.com/profile.php?id=61556540363988 Support the show FOLLOW PENNIES TO POUNDS 💸 Instagram - https://www.instagram.com/penniestopoundspod/ Twitter - https://twitter.com/penniestopound TikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1 LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds Website - www.penniestopounds.co.uk Contact - [email protected]

Send us a text In this episode, we’re exploring Cashblack, a game-changing cashback platform supporting Black-owned businesses and fostering community growth. We explore the platform’s origins, born from a pivotal social moment, and how it’s changing how we shop while empowering communities. You’ll hear about how Cashblack works, what makes it stand out, and the innovative strategies behind building trust with users and established brands. Key highlights include: • The origin story of Cashblack and how it came to life during a key social moment • A breakdown of how Cashblack works and its unique selling points • The power of trust-building through strategic partnerships • The challenges Cashblack has faced on its entrepreneurial journey • The vital role of community feedback and engagement in shaping the platform • Exciting upcoming features and plans for expanding the Cashblack experience This episode is packed with insights into how one platform makes a real difference and paves the way for future growth and economic empowerment. Support the show FOLLOW PENNIES TO POUNDS 💸 Instagram - https://www.instagram.com/penniestopoundspod/ Twitter - https://twitter.com/penniestopound TikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1 LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds Website - www.penniestopounds.co.uk Contact - [email protected]

Send us a text In this episode, we explore the benefits of automating your finances and focus on the mindset shifts needed to embrace this approach. Laura Ann Moore, a money mindset expert, shares insights on the emotional hurdles surrounding financial automation and practical steps listeners can take to create a healthier relationship with money. We cover: • Understanding the concept of money on autopilot  • Importance of mindset when managing finances  • Overcoming fear of losing control through automation  • Steps to set up (and revisit) automation effectively  • Encouraging open money conversations in relationships  • Embracing a positive financial mindset for long-term success Support the show FOLLOW PENNIES TO POUNDS 💸 Instagram - https://www.instagram.com/penniestopoundspod/ Twitter - https://twitter.com/penniestopound TikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1 LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds Website - www.penniestopounds.co.uk Contact - [email protected]

Send us a text Just graduated and ready to take control of your finances? This episode is packed with the essential money moves you need to crush your career and financial goals from day one. Here’s what we’re covering: Unlock your future: Why workplace pensions are your secret weapon for long-term savings.Invest in YOU: Explore employer-backed opportunities to grow your skills and income.Meal prep vs. eating out: How everyday choices can save you big bucks.Plan your next move: Set yourself up for career and salary growth right from the start.Support the show FOLLOW PENNIES TO POUNDS 💸 Instagram - https://www.instagram.com/penniestopoundspod/ Twitter - https://twitter.com/penniestopound TikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1 LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds Website - www.penniestopounds.co.uk Contact - [email protected]

Send us a text In this festive episode, we’re offering all the tips you need to master your money in 2025—without sacrificing the fun. From breaking down budgeting methods that actually work to showing you how to track every penny (even in a cashless world), this episode is your ultimate guide to balancing smart spending with guilt-free enjoyment. 💸 Here’s what we’re unpacking: • The 50/30/20 method and why it’s a game-changer • Zero-based budgeting for ultimate money control • How to adapt the cash envelope system in today’s digital world • Our fave budgeting tools—pen and paper, spreadsheets, apps, you name it! • Why monthly budget reviews keep your money aligned with your life • Automating your savings for a stress-free future • Clever ways to categorise expenses for crystal-clear visibility • And, of course, creating a fun fund to treat yourself guilt-free! Prepare to make budgeting simple, stress-free, and even fun! Support the show FOLLOW PENNIES TO POUNDS 💸 Instagram - https://www.instagram.com/penniestopoundspod/ Twitter - https://twitter.com/penniestopound TikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1 LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds Website - www.penniestopounds.co.uk Contact - [email protected]

Send us a text It’s time to stop wishing and start winning with your finances! In this episode, Kia breaks down the art of setting financial goals that you’ll actually achieve. Using the SMART framework, she shows you how to turn your big dreams into actionable plans that deliver real results. 💸 Here’s what we’re covering: ✨ Why vague goals won’t cut it and how to get specific ✨ The power of progress checkpoints to keep you on track ✨ How to set goals that are realistic, achievable, and life-changing ✨ Breaking down your financial journey into short, mid, and long-term wins ✨ Staying motivated and disciplined when the going gets tough If you’ve ever felt stuck or overwhelmed by your financial goals, this episode will give you the tools and confidence to take charge. Support the show FOLLOW PENNIES TO POUNDS 💸 Instagram - https://www.instagram.com/penniestopoundspod/ Twitter - https://twitter.com/penniestopound TikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1 LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds Website - www.penniestopounds.co.uk Contact - [email protected]

Send us a text What if you could completely transform your money game in just 12 days? On today’s episode of the Pennies To Pounds Podcast, we’re kicking off our special series, The 12 Days of Finance, to help you avoid the financial traps that leave you feeling broke and set yourself up for success in 2025. In this episode, we’re covering: ✨ Why lifestyle inflation is sabotaging your progress ✨ How to budget without feeling restricted ✨ The non-negotiable need for an emergency fund ✨ Tackling high-interest debt (and why it’s costing you more than you think) ✨ The basics of smart investing to grow your money Listen to Episode 96 for a step-by-step guide to start investing. Start 2025 on the right foot with strategies to save, borrow smarter, and invest confidently. Let’s make financial security your reality next year! Support the show FOLLOW PENNIES TO POUNDS 💸 Instagram - https://www.instagram.com/penniestopoundspod/ Twitter - https://twitter.com/penniestopound TikTok - https://www.tiktok.com/@penniestopounds?_t=8ZGvHcCqLIs&_r=1 LinkedIn - https://uk.linkedin.com/company/pennies-to-pounds Website - www.penniestopounds.co.uk Contact - [email protected]