Are you curious to know how to double your income while working smart and not hard? Join us in this episode where we dive into the financial journey of our special guest who started from humble beginnings and overcame adversity to move toward financial stability.  Spreadsheet Model (As mentioned in Pod)https://docs.google.com/spreadsheets/d/1N3ZwE1LK4LcRfVFTA55eeP63hzd4KC0csl_3EGRn2NU/edit#gid=0Leave A Review & Show Love! Write a review for The Art of Money & Communication Podcast. 📝❤️Review hereFiverr (10% Off First Order): Turn Ideas into Income! Get 10% off your first order on Fiverr. 💼💰Sign up with code EARN10Speak Pipe: Share Your Thoughts! Leave a voice note to show your love for the show. 🗣️💬Send a voice note hereTop Cash Back: Earn Cashback on Purchases! Start earning cashback on your everyday buys. 💸🛍️Sign up hereOddsmoney (Matched Betting): Try Matched Betting for Free! Learn with tutorials and a free trial. 🎲💰Get started hereCheddar (Cashback at Tesco, Sainsburys & More): Save Money on Shopping! Use code ZKYFYKT at checkout. 🛒💰Use code ZKYFYKTShares (Free £20 Stock): Get a Free £20 Stock! Sign up and invest in your future. 📈💸Sign up for free stockFreetrade (Free Stock Worth £3-£200): Grab Your Free Stock! Sign up for Freetrade and claim your share. 📊🎁Get free stockInvest Engine (Free £25 Stock): Invest for Free! Deposit £100 & get a free share. 📈💵Claim your free stockWise (Currency Transfer): Save on Currency Transfer Fees! Transfer money worldwide with Wise. 💱💸Sign up for Wise1Tap (Simple Tax Receipt Scanner): Stay Organized & Save 20%! Use code TAXSAVY at 1Tap. 📝💵Download 1TapBuzzsprout (Podcast Platform/Free $20 Platform Credit): Start Your Podcast Today! Get $20 credit on Buzzsprout. 🎙️💰Sign up for BuzzsproutAirtime Rewards (Passive Income - Save Money Off Phone Bill): Save on Phone Bill! Use code C4UW7F9N. 📱💳Download Airtime RewardsShopmium (Free Can Of Pringles & Weekly Deals): Enjoy Freebies & Discounts! Use referral code he5n8u. 🛍️🎁Sign up for ShopmiumSupport the podcast by using these referral links! 🙏🎧

Joshua takes a look at important financial habits, and some things to improve in 2023. Leave A Review  *If you enjoy the Podcast, show your support by writing a review.https://podcasts.apple.com/gb/podcast/the-art-of-money-saving/id1508117788The Art of Money Saving +https://www.buzzsprout.com/1010941/subscribeFor just $5, you'll have access to extra content from Joshua and his guests. This is your chance to go behind the scenes and hear all the juicy bits that don't make it onto the main podcast. Plus, you'll be supporting the continued sharing of important financial stories.Shares (Free £20 Stock)Sign up with my referral link and you’ll get £20 to invest in a stock! You'll have to deposit £1 to get your free share. https://shares.app.link/rf/moneysaving-277276Freetrade (Free Stock Worth between £3-£200)Sign up via this link to get a free share worth between £3-£200. My first free share was Gregg's. I love a freebie! https://magic.freetrade.io/join/joshua-owen/ed6ebfd9Invest Engine (Free £25 Stock)Sign up via this link and deposit £100. They aim to pay your free share within 5 business days. but you must hold your £100 for at least 12 months.https://investengine.com/referral-welcome/?utm_medium=share&utm_source=growsurf&grsf=xafaatWise (Currency Transfer)I've used Wise (formerly TransferWise) to transfer money from various currencies. Save a fortune on currency transfer fees.https://wise.com/invite/ath/joshuam48Buzzsprout (Podcast Platform/ Free $20 Platform Credit)The Art of Money is produced and streamed on the Buzzsprout website. You can upload your podcast to all Apple, Spotify and all the other big hosting platforms.Sign up to get a free $20 credit on your account. https://www.buzzsprout.com/?referrer_id=956056£5 Free BitcoinZigluHey, I’ve got an account with personal money app Ziglu and I think you’d enjoy using them too. Use my link to earn a referral bonus after your first qualifying exchange: https://invite.ziglu.io/dc3cd966Crypto.com ($25)Use my referral link https://crypto.com/app/89vqa4axpt to sign up for Crypto.com and we both get $25 USD .Bulk buying toilet rolls, dealing with high costs of food, buying clothes on Vinted, bank switching, saving money by intermittent fasting. shaving razors from Aldi and ditching the expensive Gilette ones, walking is free and great exercise, creating a higher side hustle income, finding the best savings rate, paying bills annually, getting a will done, reviewing insurance policies, SIPP, National insurance contributions and future health.

Sam stresses the importance of financial positivity. After racking up student debt, he moved back home with Mum and Dad to turn his financial situation around completely. Leave A Review  *If you enjoy the Podcast, show your support by writing a review.https://podcasts.apple.com/gb/podcast/the-art-of-money-saving/id1508117788Shares (Free £20 Stock)Sign up with my referral link and you’ll get £20 to invest in a stock! You'll have to deposit £1 to get your free share. https://shares.app.link/rf/moneysaving-277276Freetrade (Free Stock Worth between £3-£200)Sign up via this link to get a free share worth between £3-£200. My first free share was Gregg's. I love a freebie! https://magic.freetrade.io/join/joshua-owen/ed6ebfd9Invest Engine (Free £25 Stock)Sign up via this link and deposit £100. They aim to pay your free share within 5 business days. but you must hold your £100 for at least 12 months.https://investengine.com/referral-welcome/?utm_medium=share&utm_source=growsurf&grsf=xafaatWise (Currency Transfer)I've used Wise (formerly TransferWise) to transfer money from various currencies. Save a fortune on currency transfer fees.https://wise.com/invite/ath/joshuam48Buzzsprout (Podcast Platform/ Free $20 Platform Credit)The Art of Money is produced and streamed on the Buzzsprout website. You can upload your podcast to all Apple, Spotify and all the other big hosting platforms.Sign up to get a free $20 credit on your account. https://www.buzzsprout.com/?referrer_id=956056£5 Free BitcoinZigluHey, I’ve got an account with personal money app Ziglu and I think you’d enjoy using them too. Use my link to earn a referral bonus after your first qualifying exchange: https://invite.ziglu.io/dc3cd966Crypto.com ($25)Use my referral link https://crypto.com/app/89vqa4axpt to sign up for Crypto.com and we both get $25 USD :)Coinbase - $10 Free Cryptohttps://www.coinbase.com/join/mills%20_knYou'll get $10 in free Bitcoin when you buy or sell $100 or more in crypto.Airtime Rewards (Passive Income - Save Money Off Phone Bill)Download Airtime Rewards for free with my code C4UW7F9N and save money off your phone bill every time you shop. https://airtimerewards.app.link/QoBfvw0BipbShopmium (Free Can Of Pringles & Weekly Deals)Hey, how about a FREE can of Pringles? Just download the Shopmium app and enter my referral code he5n8u 😊https://www.shopmium.com/uk/referral/he5n8uThe E-Myth Audio Book (Recommended Resource)https://amzn.to/3VDUraWPlease keep in mind that we may receive a commission when you click on our links and make a purchase.Sam Norrishttps://www.youtube.com/@thesamnorrishttps://www.linkedin.com/in/thesamnorris/?originalSubdomain=uk

Rhiannon tells us about her journey of paying of £30k of consumer debt and being able to buy her first home. Since then, she's also got her apartment fully booked up until August, and is loving controlling Airbnb remotely from London.Leave A Review & Show Love! Write a review for The Art of Money & Communication Podcast. 📝❤️Review hereFiverr (10% Off First Order): Turn Ideas into Income! Get 10% off your first order on Fiverr. 💼💰Sign up with code EARN10Speak Pipe: Share Your Thoughts! Leave a voice note to show your love for the show. 🗣️💬Send a voice note hereTop Cash Back: Earn Cashback on Purchases! Start earning cashback on your everyday buys. 💸🛍️Sign up hereOddsmoney (Matched Betting): Try Matched Betting for Free! Learn with tutorials and a free trial. 🎲💰Get started hereCheddar (Cashback at Tesco, Sainsburys & More): Save Money on Shopping! Use code ZKYFYKT at checkout. 🛒💰Use code ZKYFYKTShares (Free £20 Stock): Get a Free £20 Stock! Sign up and invest in your future. 📈💸Sign up for free stockFreetrade (Free Stock Worth £3-£200): Grab Your Free Stock! Sign up for Freetrade and claim your share. 📊🎁Get free stockInvest Engine (Free £25 Stock): Invest for Free! Deposit £100 & get a free share. 📈💵Claim your free stockWise (Currency Transfer): Save on Currency Transfer Fees! Transfer money worldwide with Wise. 💱💸Sign up for Wise1Tap (Simple Tax Receipt Scanner): Stay Organized & Save 20%! Use code TAXSAVY at 1Tap. 📝💵Download 1TapBuzzsprout (Podcast Platform/Free $20 Platform Credit): Start Your Podcast Today! Get $20 credit on Buzzsprout. 🎙️💰Sign up for BuzzsproutAirtime Rewards (Passive Income - Save Money Off Phone Bill): Save on Phone Bill! Use code C4UW7F9N. 📱💳Download Airtime RewardsShopmium (Free Can Of Pringles & Weekly Deals): Enjoy Freebies & Discounts! Use referral code he5n8u. 🛍️🎁Sign up for ShopmiumSupport the podcast by using these referral links! 🙏🎧Rhiannon (The Vicar's Wife's Frugal Life)https://www.instagram.com/thevicarswifesfrugallife/https://linktr.ee/Rhiannonllewellyn88