The penny drops
Staying motivated and determined

Staying motivated and determined

March 29, 2020

Determination and motivation is something we can all struggle with, whether it's to do with our work, health, personal life or our finances. In this episode of 'The penny drops', our host Andrea Fox joins Mikael Lawal to talk about his journey from poverty to professional boxing, and how he’s managed personal and financial struggles along the way.

How can you find more information?

Royal London recommends you seek professional independent financial advice before making financial decisions. You can learn more about the value of financial advice on our website, or visit Unbiased to find a trusted professional in your area.

You can also find lots of helpful information about the topics discussed in this episode on the following sites:

Self-employment
GOV.UK: www.gov.uk/working-for-yourself
Money Advice Service: www.moneyadviceservice.org.uk/en/categories/self-employment

Budgeting and saving
Money Advice Service: www.moneyadviceservice.org.uk/en/articles/beginners-guide-to-managing-your-money

Money worries
Citizens Advice: www.citizensadvice.org.uk/debt-and-money
National Debtline: www.nationaldebtline.org 
StepChange Debt Charity: www.stepchange.org

Mental health support
Mind: www.mind.org.uk
NHS: www.nhs.uk/conditions/stress-anxiety-depression/mental-health-helplines 

Please note that all topics discussed in this episode can vary depending on your personal circumstances, and savings and investments can go up and down.

This episode was recorded in January 2020 before the release of any UK Government guidance or restrictions put in place in relation to coronavirus. Any figures quoted were accurate at the time of recording.

Managing your finances as a woman

Managing your finances as a woman

March 1, 2020

In this episode of 'The penny drops', our host Andrea Fox speaks to Bola Sokunbi, a certified financial education instructor and founder of Clever Girl Finance, an educational platform and personal finance website designed for women. We talk about everything from financial goals and money management to relationships, careers and family finances.

How can you find more information?

Royal London recommends you seek professional independent financial advice before making financial decisions. You can learn more about the value of financial advice on our website, or visit Unbiased to find a trusted professional in your area.

You can also find lots of helpful information about the topics discussed in this episode on the following sites:

Women’s finances

Insuring Women’s Futures, Financial Wellbeing Guide: www.insuringwomensfutures.co.uk
Good Money Week: www.goodmoneyweek.com/women

Financially Fabulous Newsletter: www.financiallyfabulous.co.uk

Family planning

Royal London Guides: www.royallondon.com/media/good-with-your-money-guides/family-financial-planning

Managing money with a partner

Money Advice Service: www.moneyadviceservice.org.uk/en/articles/should-we-manage-money-jointly-or-separately

Saving and budgeting

Citizens Advice: www.citizensadvice.org.uk/debt-and-money/budgeting/budgeting/work-out-your-budget
Money Advice Service: www.moneyadviceservice.org.uk/en/categories/how-to-save-money

Investing

Money Advice Service: www.moneyadviceservice.org.uk/en/articles/investing-beginners-guide

Debt

StepChange: www.stepchange.org

General support

Royal London: www.royallondon.com/about-us/members/understanding-your-finances/news-and-insights/where-to-get-information-about-your-finances

Please note that all topics discussed in this episode can vary depending on your personal circumstances, and savings and investments can go up and down. Any figures quoted were accurate at the time of recording (January 2020).

Why planning for death is so important

Why planning for death is so important

February 2, 2020

In this episode of 'The penny drops', our host Andrea Fox joins finance journalist and BBC broadcaster Guy Kilty to talk end-of-life planning and why it’s important to think about it early on.

How can you find more information?

Royal London recommends you seek professional independent financial advice before making financial decisions. You can learn more about the value of financial advice on our website, or visit Unbiased to find a trusted professional in your area.

You can also find lots of helpful information about end-of-life planning on the following sites:

Dying Matters
Website: www.dyingmatters.org/page/planning-ahead

Telephone: 08000 21 44 66

Age UK
Website: www.ageuk.org.uk/information-advice/money-legal/end-of-life-planning
Telephone: 0800 055 6112

NHS
Website: www.nhs.uk/conditions/end-of-life-care

Cruse Bereavement Care
Website: www.cruse.org.uk
Telephone: 0808 808 1677

Bereavement Advice Centre
Website: www.bereavementadvice.org
Telephone: 0800 634 9494

Royal London
Money Guides: www.royallondon.com/articles-guides/learn/money-guides
Bereavement Hub: www.royallondon.com/articles-guides/learn/bereavement

Please note that all topics discussed in this episode can vary depending on your personal circumstances. Any figures quoted were accurate at the time of recording (October 2019).

How to save without noticing

How to save without noticing

January 5, 2020

In this episode of 'The penny drops', our host Andrea Fox talks to personal finance journalist and savings whizz Emma Lunn. This month we're finding out everything you need to know about how to save money.

How can you find more information?

Royal London recommends you seek professional independent financial advice before making financial decisions. You can learn more about the value of financial advice on our website, or visit Unbiased to find a trusted professional in your area.

You can also find lots of helpful information about saving on the following sites:

Money Advice Service
Website: www.moneyadviceservice.org.uk/en/categories/how-to-save-money
Telephone: 0800 138 7777  

StepChange
Website: www.stepchange.org/debt-info/your-financial-situation.aspx
Telephone: 0800 138 1111

Which!
Website: www.which.co.uk/money/savings-and-isas

Please note that all topics discussed in this episode can vary depending on your personal circumstances, and the value of investments or savings can go down as well as up. Any figures quoted were accurate at the time of recording (October 2019).

Let’s talk about pensions

Let’s talk about pensions

December 1, 2019

In this month’s episode of 'The penny drops', our host Andrea Fox speaks to Sarah Pennells, money expert, author and creator of the UK's leading women’s money website SavvyWoman. Covering everything from contributions to taxes, we’re going back to basics on pensions.  

How can you find more information?

Royal London recommends you seek professional independent financial advice before making financial decisions. You can learn more about the value of financial advice on our website, or visit Unbiased to find a trusted professional in your area.  

You can also find lots of helpful information about pensions and retirement on the following sites:  

Pensions Advisory Service
Website: www.pensionsadvisoryservice.org.uk
Telephone: 0800 011 3797  

Pension Wise
Website: www.pensionwise.gov.uk
Telephone: 0800 138 3944   

Age UK
Website: www.ageuk.org.uk/information-advice/money-legal/pensions
Telephone: 0800 055 6112  

Money Advice Service
Website: www.moneyadviceservice.org.uk/en/categories/pensions-and-retirement
Telephone: 0800 138 7777  

And you can read more about the difference between men and women’s pensions in this report from the Chartered Insurance Institute.  

Please note that all topics discussed in this episode can vary depending on your personal circumstances, and the value of your pension investments can go down as well as up. Tax relief could also change and depends on individual circumstances (read the Which! guide on tax reliefs for more information). Any figures quoted were accurate at the time of recording (October 2019).

Popular money questions answered

Popular money questions answered

November 1, 2019

In the first ever episode of 'The penny drops', our host Andrea Fox speaks to TV and radio presenter, author, stand-up comedian and founder of self-help money website MoneyMagpie, Jasmine Birtles. We’re kicking off the podcast series with a look at the UK’s most asked money questions.  

How can you find more information?  

Royal London recommends you seek professional independent financial advice before making financial decisions. You can learn more about the value of financial advice on our website, or visit Unbiased to find a trusted professional in your area.  

You can also find lots of helpful general financial information on the following sites:  

Money Advice Service
Website: www.moneyadviceservice.org.uk
Telephone: 0800 138 7777  

Citizen’s Advice
Website: www.citizensadvice.org.uk
Telephone: 03444 111 444  

Money Advice Trust
Website: www.moneyadvicetrust.org
Telephone: 0808 808 4000  

Please note that all topics discussed in this episode can vary depending on your personal circumstances and investments can go down as well as up, meaning you could get back less than you invest. Tax relief could also change and depends on individual circumstances (read the Which! guide on tax reliefs for more information). Any figures quoted were accurate at the time of recording (October 2019).

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September 17, 2019

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