Episodes

  • 1: Money Mechanics Trailer

    1: Money Mechanics Trailer
    Oct 2 2024
    Welcome to Money Mechanics, the podcast where we demystify money and empower you to take control of your financial future! Hosted by Sarah Poynton-Ryan, investor, entrepreneur, and money educator, this show is designed to break down everything from personal finance fundamentals to advanced investing strategies. Whether you're recovering from debt, looking to stabilise your income, or just starting to invest, Money Mechanics will give you the tools and confidence to make your money work for you. Tune in for actionable tips, candid conversations, and expert insights to help you engineer a life of financial freedom.
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    Less than 1 minute
  • 1: Episode 1: Welcome To The Money Mechanics Podcast - Let's Normalise The Conversation

    1: Episode 1: Welcome To The Money Mechanics Podcast - Let's Normalise The Conversation
    Oct 8 2024
    Welcome to the Money Mechanics Podcast with your host, Sarah Poynton-Ryan! In this very first episode, Sarah shares her personal journey from being £60,000 in debt to mastering money and investing. She opens up about the lessons she learned the hard way and how understanding money can radically transform your life. This podcast is all about normalising the conversation around money—covering the fundamentals of personal finance, debt recovery, building stable income, and the steps to begin investing.

    Sarah talks candidly about:

    • Her own experience of debt and poor money management
    • The negative stigma around money and how it impacts our financial decisions
    • Why society doesn’t teach us about financial literacy and how this keeps us stuck
    • The importance of understanding credit cards and the true cost of debt
    • What this podcast will cover: money mindset, debt recovery strategies, smart money management, and how to start investing—even if you're starting with as little as £10
    Key Takeaways:

    • Money isn't inherently negative—it's a tool that, when managed well, can change your life.
    • You don’t need to be rich to start investing. Investing is what makes you rich.
    • Changing your financial future starts with discipline and a willingness to do things differently.
    Links & Resources:

    • Follow Sarah on YouTube: Subscribe here
    • Get Sarah’s book "Money Mechanics": Link to buy
    Follow & Connect:

    • Instagram: @SarahPoyntonRyan or @Moneymechanics.global
    • LinkedIN: Sarah Poynton
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    11 mins
  • 2: Episode 2: The Money Momentum Method: Build an Emergency Fund, Clear Debt, and Start Investing

    2: Episode 2: The Money Momentum Method: Build an Emergency Fund, Clear Debt, and Start Investing
    Oct 8 2024
    In this episode of Money Mechanics, host Sarah Poynton-Ryan shares the Money Momentum Method — a powerful, step-by-step approach to taking control of your finances. Learn how to prioritise building an emergency fund, tackle high-interest debt, and start investing with confidence, even if you're just starting out. Sarah offers practical, actionable advice for those wanting to achieve financial freedom, starting with small steps that lead to big changes. Whether you’re recovering from debt or planning your first investment, this episode will show you how to create lasting momentum with your money.

    Key Topics:

    • The Money Momentum Method
    • How to build a 1-3 month emergency fund
    • Clearing high-interest debt (over 7%)
    • Investing for beginners with small amounts
    • The importance of consistency and automation in personal finance
    If you're ready to make your money work for you, hit play and start building your financial future!

    Links & Resources:

    • Follow Sarah on YouTube: Subscribe here
    • Get Sarah’s book "Money Mechanics": Link to buy
    Follow & Connect:

    • Instagram: @SarahPoyntonRyan or @Moneymechanics.global
    • LinkedIN: Sarah Poynton

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    20 mins
  • 3: Episode 3: How to Build Your Emergency Fund – £10 a Day Challenge

    3: Episode 3: How to Build Your Emergency Fund – £10 a Day Challenge
    Oct 15 2024
    In this episode of Money Mechanics, Sarah Poynton-Ryan shares practical, actionable tips on how to build your emergency fund by saving just £10 a day. Learn how small daily savings can add up to big results over time and set you on the path toward financial stability. Sarah explains how you can get started even if money is tight, offering ideas for generating extra income without needing to start a full-time business.

    Key Takeaways:

    • The power of saving £10 a day to build an emergency fund over time
    • How saving small amounts can compound and grow into significant financial security
    • Practical income ideas like online surveys, selling stock photography, or pet sitting
    • Importance of consistency and discipline in financial planning
    Ways to Make £10 a Day:

    1. Do online surveys
    2. Sell stock photography
    3. Use your skills on platforms like Upwork or PeoplePerHour
    4. Pet sitting or dog walking
    5. Rent out your parking space
    6. Sell unwanted items at car boot sales or on Vinted
    7. Rent out a spare room in your home
    Resources Mentioned:

    • Buy a copy of Money Mechanics Book
    • FreeTrade Investment Platform
    • Upwork
    • PeoplePerHour
    • JustPark
    • Vinted
    Follow & Subscribe:

    • Follow Sarah on Instagram: Click here
    • Follow Money Mechanics On Instagram Money Mechanics Instagram Channel
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    20 mins
  • 4: Episode 4: Demystifying Debt

    4: Episode 4: Demystifying Debt
    Oct 22 2024
    Podcast Episode 4: Demystifying Debt

    Host: Sarah Poynton-Ryan, Investor, Business Owner, and Money Educator

    Episode Summary: In this episode of Money Mechanics, Sarah dives deep into the often misunderstood world of debt. Drawing from her personal experience of clearing £60,000 of debt in 2015, Sarah shares practical strategies to tackle both "good" and "bad" debt. She debunks the myths surrounding debt, explaining how it can be a tool for growth when managed correctly, and guides you on the journey to financial freedom.

    Key Topics Covered:

    • Good Debt vs. Bad Debt: Understand the difference between debt that builds wealth (like a mortgage on a rental property) and debt that drains your resources (like credit cards or car loans).
    • Debt Repayment Strategies: Learn about the Avalanche and Snowball methods of debt repayment, with tips on choosing the best one for your situation.
    • Avoiding New Debt: Why creating an emergency fund is essential to prevent future debt, and how to prioritise paying off high-interest debt first.
    • Automating Your Finances: Sarah shares her favourite automation tools (shoutout to Monzo!) to keep you on track without having to think about it.
    • Tracking Your Progress: Why it’s crucial to stay aware of your spending and debt situation – avoiding the temptation to "look away" from the numbers.
    Resources Mentioned:

    • Chapter 4 of Sarah's book Money Mechanics: A deep dive into the differences between good and bad debt.
    • Budget Tracker: Download Sarah’s budget tracker from her website https://www.sarahpoynton.com/budgettracker
    • YouTube Video: Watch Sarah’s video tutorial on using the budget tracker to take control of your finances
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    17 mins
  • 5: What is your Money Mindset and how does it impact your financial behaviours?

    5: What is your Money Mindset and how does it impact your financial behaviours?
    Oct 31 2024
    Welcome to Episode 5 of the Money Mechanics Podcast! In this episode, host Sarah Poynton delves deep into the concept of money mindset, discussing how our financial beliefs and behaviours are shaped by our experiences and upbringing.

    Key Topics Discussed:

    1. Introduction to Money Mindset:

      • The importance of understanding your relationship with money.
      • How financial decisions compound over time to shape your current situation.
    2. Different Types of Money Mindsets:

      • Scarcity Mindset: Feeling like there's never enough money and its effects on financial behaviour.
      • Abundance Mindset: The pitfalls of assuming there's always enough, leading to overspending.
      • Entitled Mindset: Growing up believing that you deserve certain luxuries and its impact on financial choices.
      • Ignorance Mindset: The dangers of not discussing or understanding money and its implications.
      • Debt Mindset: Living in a cycle of debt and how it becomes normalised.
      • Guilt Mindset: Feeling shame about spending money on oneself, leading to poor investment in personal well-being.
      • Success Mindset: The risks of measuring self-worth by financial success and neglecting personal health and relationships.
      • Generosity Mindset: The challenges of giving beyond one’s means and the importance of balancing generosity with self-care.
      • Control Mindset: Understanding how past trauma or financial abuse can shape your relationship with money.
      • Risk-Averse Mindset: The necessity of taking educated risks in investment to grow financially.
    3. Empowerment through Understanding:

      • Recognising your money mindset is the first step towards change.
      • Practical steps to shift your mindset and improve your financial situation.
    4. Call to Action:

      • Reflect on your own money mindset using the questions in Chapter 4 of Sarah’s book, "Money Mechanics."
      • Take proactive steps to understand and improve your financial health.
    Grab your copy of the book: www.sarahpoynton.com/moneymechanics

    Connect with Sarah:

    • Website: www.sarahpoynton.com
    • Instagram: www.instagram.com/moneymechanics.global
    Subscribe & Share: If you enjoyed this episode, please subscribe, rate, and share it with your friends!
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    34 mins
  • 6: Episode 6: What is compound interest and what you need to do to take full advantage of it right now!

    6: Episode 6: What is compound interest and what you need to do to take full advantage of it right now!
    Nov 5 2024
    Welcome to Episode 6 of the Money Mechanics Podcast! In this enlightening episode, host Sarah Poynton dives into the essential yet often overlooked concept of compound interest, famously dubbed the "eighth wonder of the world" by Albert Einstein. Learn how understanding and leveraging compound interest can dramatically enhance your financial future.

    Key Topics Covered:

    1. What is Compound Interest?

      • Definition and differentiation between simple interest and compound interest.
      • Why compound interest is crucial for wealth accumulation.
    2. The Million-Pound Question:

      • A thought-provoking scenario comparing receiving £1 million today versus £1 doubling every day for 30 days.
      • The staggering outcome of choosing to invest rather than taking cash upfront.
    3. Real-Life Examples:

      • Practical calculations showing the advantages of compound interest over time.
      • How investing £25 each birthday, Christmas, and Easter for a child can lead to significant wealth by age 25.
    4. Building a Legacy:

      • Strategies to set up investments for children to ensure financial security.
      • The impact of early investment and time on building wealth.
    5. Getting Started with Compound Interest:

      • How much you need to invest monthly to achieve specific financial goals, such as gifting a million pounds on a child’s 35th birthday.
      • The importance of starting early and consistently contributing to investment accounts.
    6. Resources Mentioned:

      • Money Mechanics Book: A comprehensive guide to understanding money mechanics, including a dedicated chapter on compound interest. Grab your copy here www.sarahpoynton.com/moneymechanics
      • Compound Interest Calculator: Available for free download in the book to help you calculate your investment needs.
    7. Join the Community:

      • An invite to listeners to join the Money Mechanics Facebook group for further discussions and support.
    Why You Must Listen: This episode is a game-changer! Understanding compound interest could transform your financial outlook and empower you to make informed decisions that can secure a better future for you and your loved ones. Whether you're a seasoned investor or just starting out, this knowledge is crucial for building lasting wealth.

    Follow Us:

    • Website: www.sarahpoynton.com
    • Social Media: www.instagram.com/moneymechanics.global
    • YouTube: https://www.youtube.com/@SarahPoynton/
    Subscribe & Share: If you enjoyed this episode, please subscribe, rate, and share it with your friends!
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    14 mins
  • 7: Episode 7 - Unlocking the Power of Dividend Stocks

    7: Episode 7 - Unlocking the Power of Dividend Stocks
    Nov 12 2024
    Episode 7 - Unlocking the Power of Dividend Stocks

    Welcome to Episode 7 of the Money Mechanics Podcast! In this engaging episode, host Sarah Poynton explores the world of dividend stocks—a powerful tool for generating passive income. If you've ever dreamed of earning money while you sleep, this episode is a must-listen!

    Key Topics Covered:

    1. What Are Dividend Stocks?

      • Understanding the concept of dividend-paying stocks and how they work.
      • The distinction between being a shareholder and managing a company.
    2. Passive Income Explained:

      • The true meaning of passive income and why dividend stocks qualify.
      • How to earn money without active involvement in a company’s operations.
    3. Real-Life Examples:

      • Case studies of well-known dividend stocks, including Coca-Cola, ExxonMobil, and Ford.
      • Insights from Warren Buffett’s investment strategy and his substantial earnings from dividends.
    4. Choosing Dividend Stocks:

      • How to select the right dividend stocks based on payout patterns and company performance.
      • The importance of understanding dividend yields and their implications.
    5. Building a Passive Income Stream:

      • Setting financial goals to achieve your "fuck you money" number through dividend stocks.
      • Strategies to replace your monthly income with dividends.
    6. Resources Mentioned:

      • Money Mechanics Book: Contains in-depth information about dividend stocks on page 143, including a table of recommended stocks. Grab a copy www.sarahpoynton.com/moneymechanics
      • Free Trade: An investment platform for buying dividend stocks, including an offer for a free share upon sign-up.
      • Other investment platforms: Hargreaves Lansdown, Trading 212, eToro, and more.
    7. Join the Community:

      • An invitation to reach out with questions and connect through our Money Mechanics FREE Facebook Group
    Why You Must Listen: This episode demystifies dividend stocks and highlights their potential for generating significant passive income. Whether you’re a novice investor or looking to diversify your portfolio, understanding how to leverage dividend stocks can lead you to financial freedom. Don’t miss this opportunity to gain actionable insights and transform your investment strategy!

    Follow Us:

    • Website: www.sarahpoynton.com
    • Social Media: www.instagram.com/moneymechanics.global
    • YouTube: www.youtube.com/@SarahPoynton
    Subscribe & Share: If you enjoyed this episode, please subscribe, rate, and share it with your friends!
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    15 mins