YOU CAN Set And Stick To A Budget

YOU CAN Set And Stick To A Budget

Author: Pete Matthew February 26, 2025 Duration: 48:18

Today we're talking about budgeting and encouraging that you CAN set and stick to a budget. It's not easy, but it isn't complicated either, so we're here to make it as easy as possible.


Shownotes: https://meaningfulmoney.tv/YC4 

Everything You Need To Know

01:22  Budgeting is a baseline skill – spend less, earn more.

07:55  Budgeting should be forward-looking – be proactive not reactive.

09:30  Keep it flexible – Emergency fund for surprises.

Everything You Need To Do

12:27  Track – Establish your income, Identify what you spend your money on currently.

19:31  Plan – Pay yourself first, Know your triggers for (over)spending.

24:50  Do – Two account system, Bills and spending.

32:34  Review – Review weekly and at the end of the month. It'll take time to bed in, so don't beat yourself up if you don't get it right first time.

40:44  Podcast Review.

42:17  News about the podcast.


Money doesn't have to be a source of stress or confusion. On The Meaningful Money Personal Finance Podcast, host Pete Matthew cuts through the industry jargon to talk about your financial life in clear, practical terms. This isn't about get-rich-quick schemes; it's about building lasting security and understanding. Pete tackles the topics many find intimidating-like investing for the future, navigating pensions, choosing the right insurance, or finding trustworthy financial advice-and breaks them down into manageable concepts. What makes this podcast particularly useful is its consistent structure. Every episode is thoughtfully divided into two parts: first, laying out the essential knowledge you need to understand a topic, and then providing the concrete, actionable steps you can take to apply that knowledge directly to your own situation. You'll come away from each conversation not just informed, but equipped with a clear direction. Whether you're just starting to organize your finances or looking to refine a long-term plan, Pete Matthew offers a steady, educational voice in the often noisy world of personal finance. Tune in for straightforward guidance that translates complex ideas into your everyday language, helping you build confidence and take control of your money journey.
Author: Language: English Episodes: 100

The Meaningful Money Personal Finance Podcast
Podcast Episodes
QA46 - Listener Questions, Episode 46 [not-audio_url] [/not-audio_url]

Duration: 45:20
In this Meaningful Money Q&A episode (QA46), Pete Matthew and Roger Weeks answer six listener questions on the financial decisions many UK households are wrestling with right now. We cover bridging the gap to the State P…
QA45 - Listener Questions, Episode 45 [not-audio_url] [/not-audio_url]

Duration: 44:02
In this episode of the MeaningfulMoney Q&A, Pete and Roger answer six listener questions covering a wide range of personal finance topics. We tackle a tricky inheritance tax situation involving a property bought in child…
Planning for Pensions and IHT [not-audio_url] [/not-audio_url]

Duration: 33:14
From April 2027, many unused pension funds are set to be brought into the IHT net, changing how pensions work for legacy planning. Pete and Roger explain what's changing, what still remains exempt, where "double tax" can…
QA44 - Listener Questions, Episode 44 [not-audio_url] [/not-audio_url]

Duration: 39:27
In this Meaningful Money Q&A episode, Pete Matthew and Roger Weeks answer six listener questions on UK personal finance, pensions and investing. We cover inheritance tax (IHT) and who actually pays it, a defined benefit…
QA43 - Listener Questions, Episode 43 [not-audio_url] [/not-audio_url]

Duration: 32:22
If you're a UK beginner and you're not sure where to start investing in 2026, Pete and Roger talk you through a calm, step-by-step investing order to follow. They cover when to build a buffer, tackle expensive debt and u…
QA42 - Listener Questions, Episode 42 [not-audio_url] [/not-audio_url]

Duration: 31:23
Pete Matthew and Roger Weeks cover self-employed saving rates, inheritance tax and estate planning, and how dividends are treated inside pension drawdown (including SIPPs). They also discuss salary sacrifice and contribu…
QA41 - Listener Questions, Episode 41 [not-audio_url] [/not-audio_url]

Duration: 41:21
In this Meaningful Money Q&A, Pete Matthew and Roger Weeks answer listener questions on UK personal finance, focusing on pensions, tax, and planning ahead. Topics include SIPP vs Lifetime ISA, retirement drawdown and whi…
No Bullsh*t Money with Andy Hart [not-audio_url] [/not-audio_url]

Duration: 34:57
Pete is joined by Andy Hart to cut through the noise and talk about Andy's new book No Bullsh*t Money Advice, sharing straight-talking, practical personal finance insights for UK savers and investors. Shownotes: https://…
QA40 - Listener Questions, Episode 40 [not-audio_url] [/not-audio_url]

Duration: 36:30
In this episode we answer listener questions covering emergency funds for higher and additional rate taxpayers, and inheritance tax considerations around beneficiary SIPPs. We also discuss whether couples should rebalanc…
How to Spot a Good or Bad Financial Adviser [not-audio_url] [/not-audio_url]

Duration: 49:06
Pete and Roger reveal how to spot a good financial adviser from a bad one. Learn the red and green flags—from transparent fees to pressure tactics—and the key questions to ask before committing. Essential listening for a…