Jasper (@jasperinvests) joined me on this episode to talk about FX rates and how they impact us as UK investors. A very important topic that most aren't aware of.

First, we discussed the S&P 500 returns for US investors compared to UK investors. Surprisingly, and we dug into the historical data, the returns can vary massively in any individual year.

There can be huge swings and differences in returns that US and UK investors receive in any given year, all because of FX.

However, over the long term, FX rates generally tend to be stable between the major currencies. Although, and as expected, in the short term this isn't always the case.

We spoke through two ways to mitigate this FX risk and whether it's worth to mitigate this risk at all.

Finally, we touched on global index funds and the impact of FX.

Listen to the full episode for all the details!

Timestamps

0:00 - Intro

1:02 - S&P Return UK vs US Investors

5:25 - Two Ways To Mitigate Risk

9:42 - Historical Returns UK vs US Investors

14:02 - Long Term Impact

16:17 - Do We Hedge FX Risk?

19:58 - Benefits of Index Funds

21:00 - Summary

25:09 - Outro

-----------------------------------------------

📖 Stop Waiting, Start Investing Ebook - https://payhip.com/b/Q40kP

💻 Need somewhere to track all of your investments in one place? https://payhip.com/b/9tB2

📊 Income, Expenses, Saving & Investing Tracker - ⁠https://payhip.com/b/SIaGz ⁠

📈 How to start investing workshop - https://payhip.com/b/1fic

🎥 Youtube - https://www.youtube.com/c/MakingMoneySimple/

📸 Instagram - https://www.instagram.com/makingmoneysimple/

🐦 Twitter - https://twitter.com/makingmsimple

Emma from Bee Money Savvy (@beemoneysavvy) - a previous winner of Best Money Saving Blog - joined me on this episode to talk about two things. 1) Her blogging journey, where she now makes more money than her day job and 2) three key money saving tips that you should implement.

First, we talk about Emma’s blogging journey and how she turned her side hustle into a money maker, all whilst continuing to work her day job for the NHS.

I asked Emma a range of questions from how and when did she get started, why she decided to talk about money saving and how the blog grew over time.

We also delved into the days when Emma made her first £10 and how she then was able to continue to monetise over the years.

Second, Emma shares three very important money saving tips that we can implement.

1) Big Financial Audit, 2) Make saving money simple, 3) Utilise money saving tools.

With each tip Emma shares specific guidance and examples of exactly what we need to do to manage and save our better money.

As part of utilising money saving tools, very helpfully, Emma shares the specific cashbacks apps and websites, discount code websites and price comparison websites that she personally uses.

Listen to the full episode for all the details!

Timestamps

0:00 - Intro

1:03 - Blogging Journey

6:45 - Blogging Beginnings

9:06 - Viral Blog Posts

11:20 - Blogging Time Investment

13:50 - Blogging Monetisation

19:36 - 3 Money Saving Tips

20:35 - 1. Big Financial Audit

23:32 - 2. Make saving money simple

26:36 - 3. Utilise money saving tools

30:49 - Outro

-----------------------------------------------

📖 Stop Waiting, Start Investing Ebook - https://payhip.com/b/Q40kP

💻 Need somewhere to track all of your investments in one place? https://payhip.com/b/9tB2

📊 Income, Expenses, Saving & Investing Tracker - https://payhip.com/b/SIaGz

📈 How to start investing workshop - https://payhip.com/b/1fic

🎥 Youtube - https://www.youtube.com/c/MakingMoneySimple/

📸 Instagram - https://www.instagram.com/makingmoneysimple/

🐦 Twitter - https://twitter.com/makingmsimple

Tej from @tejtalks joins me on this podcast episode to discuss all things branding (check out the timestamps further below in the description to see what we cover).

Branding is everything. From the perspective of a personal brand or a business brand.

We discussed the importance of branding and where to start, before moving on to how to actually build a brand and stand out.

Towards the end of the podcast we spoke through monetisation. Different ways to monetise, with some more lucrative than others, before moving into Tej’s monetisation journey of his own business brand over the years.

Listen to the full episode for more information!

Timestamps:

0:00 - Intro

0:53 - Importance of branding

3:07 - When to start branding?

6:50 - Where to start?

9:41 - How to build a brand?

14:35 - How to stand out?

19:06 - Monetisation

25:25 - Tej’s journey to monetisation

28:50 - Final thoughts

30:45 - Outro

-----------------------------------------------

📖 Stop Waiting, Start Investing Ebook - https://payhip.com/b/Q40kP

💻 Need somewhere to track all of your investments in one place? https://payhip.com/b/9tB2

📈 How to start investing workshop - https://payhip.com/b/1fic

🎥 Youtube - https://www.youtube.com/c/MakingMoneySimple/

📸 Instagram - https://www.instagram.com/makingmoneysimple/

🐦 Twitter - https://twitter.com/makingmsimple