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Happy New Year everyone! As we're heading straight into 2024, the first episode of the year is discussing how you can make conscious money decisions to reach your financial goals this year.

TOPICS COVERED:

• Discovering your financial values
• Setting realistic financial goals
• Creating a useful budget
• Mindful spending and consumerism

- Listen to the episode with Andrea to discover how to shop fashion sustainably here.

- Download the budgeting app Emma - https://emma.to/kiacommodore

- Download the Pennies To Pounds Budget Spreadsheet - https://www.penniestopounds.co.uk/product/budget-spreadsheet

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Website - www.penniestopounds.co.uk

Contact - info@penniestopounds.co.uk