Gemma Mitchell, a financial advisor and Head of Advice at Rask, shares insightful budgeting strategies for 2025. She highlights the importance of personalized budgeting and the joy of tracking everyday expenses. Gemma discusses adapting financial plans to fit individual lifestyles and emphasizes the significance of habit formation in maintaining realistic budgets. Additionally, she explores effective ways to curb overspending, particularly in food purchases, and the role of technology in modern financial management.

Financial adviser Gemma Mitchell shares her expertise in setting achievable financial goals. She discusses common pitfalls that cause goals to fail and introduces a 5-step process to overcome them. Listeners learn about strategic financial planning after holiday spending, the importance of aligning goals with personal values, and the need for flexibility in budgeting. Gemma and co-host Owen also provide insights on adapting financial goals amid life changes and highlight their top goal for 2025, offering practical tips for long-term success.

Gemma Mitchell, a qualified financial adviser and seasoned money coach, shares her inspiring journey from moving out at 16 to her insights on personal finance. She dives into the difference between money coaching and financial advising, emphasizing the value of setting bold financial goals. The chat highlights how money coaching can help overcome limiting beliefs and unhealthy financial behaviors. Gemma also discusses how to find the right coach and the costs involved, making financial wellness more accessible for everyone.