Ready to stop playing small with your money and start taking up serious space—in your bank account, your business, and your life? In this candid Q&A episode, Phoebe answers the money questions most of us are too embarrassed to ask out loud—how to tackle debt without drowning in shame, how to stop feeling guilty every time you spend on yourself (yes, even on that serum), and how to budget when your income is one big financial rollercoaster.

Inside this episode:

• How to get out of debt with dignity—and why shame has no place in your bank balance

• The truth about spending guilt, especially for women juggling family, work, and everyone else's needs

• What to do when your business income is either Beyoncé or beans on toast

• Simple money systems for real people—no 27 bank accounts required

This one’s honest, empowering, and just what you need if you’re ready to step into your CFO energy and build your unapologetically wealthy life—without giving up joy.

Free Resources Mentioned: ✨ [Debt spreadsheet download] ✨ [Related episodes on debt] ✨ Join the Happy Honeys Facebook group ✨ Connect on Instagram [@phoebeblamey]

Call to Action: Got your own burning money question? Slide into Phoebe’s DMs, leave a comment, or drop it anonymously via the website. This is a judgment-free zone!💸

Are you a woman over 40 looking for information about money without the mansplaining?

Welcome to My Happy Money Journey—the no-shame, no-fluff podcast for women over 40 who are ready to rewrite the money rules, take control of your finances, and live life on your terms.

Hosted by award winning money expert Phoebe Blamey, each episode is packed with smart, straight-talking advice to help you get out of debt, build real wealth, and create a life that actually feels good (not just looks good on a spreadsheet).

We’re done with toxic money culture, guilt-driven budgeting, and advice that doesn’t reflect our reality. Here, we talk about money with honesty, humour, and the belief that financial freedom should be available to every woman—no matter her past, her income, or her starting point.

Whether you’re navigating divorce, ditching debt, starting over, or stepping into your power for the first time—this is your space.

...it’s all part of your own happy money journey.

Take 20 minutes out of your week to listen to someone that has been on the journey. #money #WomenAndMoney #financialfreedom #women

Description: In this empowering episode of My Happy Money Journey, Phoebe gets raw and real about debt—and how to break free from it without sacrificing your sanity, dignity, or your weekly catch-up with the girls.

We’re talking credit cards, buy-now-pay-later traps, personal loans, and the sneaky shame that rides shotgun with them. If you’ve ever shoved a credit card bill in a drawer and hoped for the best—this one’s for you.

You’ll learn:

• Why debt is not a character flaw (and you’re not broken)

• The #1 thing to do before you pay off a single cent

• Avalanche vs. Snowball strategies—and how to pick what suits YOU

• How to cut spending without killing your joy

• Why a financial safety net is your best defence against falling back in

Resources:

• Download the FREE Debt Clarity Worksheet

• Join the Happy Honeys Facebook Group

• Check out the Spend Cleanse and upcoming Debt Destruction course

• Listen to last week’s guest Bonnie Lee on EFT for financial healing

Quote of the Episode: “Debt is not your personality—it’s just a situation. And it’s one we can handle, together.”

Subscribe & Share: If this episode helped you feel more empowered around money, share it with a woman who needs it. Debt is temporary. You are a force of nature.