25. From Six-Figure Debt to Financial Security: Kel Galavan's Financial Wellbeing Special

Money might not be the first thing that comes to mind when we talk about wellness, but financial stress can affect our sleep, relationships, mental health and even how stress presents physically in the body.In this episode of The Wellness Script, pharmacist and host Lauren O’Reilly is joined by Kel Galavan, qualified financial adviser, author of Mindful Money and founder of Mrs Smart Money.This is a practical, judgment-free guide to taking control of your finances, regardless of where you are starting. Kel explains how to complete a simple money audit, spend without guilt, build financial breathing space, understand your pension and begin thinking about long-term investing without becoming overwhelmed.This episode is brought to you in partnership with two incredible sponsors: Otosan - a trusted range of natural solutions for the whole family, across nose, throat and ear care. From seasonal support for hay fever and travel to the wider family range, Otosan is available in health stores and pharmacies nationwide. Explore the full range at ⁠https://https://www.naturalmedicine.ie/stockist-locator⁠Elave - gentle, fragrance-free skincare developed for sensitive skin, made in Ireland by the Gardiner Family Apothecary. Discover the full range at ⁠www.elaveskincare.com⁠ and use code WELLNESS for 20% off your order.Show NotesIn this episode, Lauren and Kel discuss:💶 How Kel went from six figures of debt to financial security🏠 Buying a house before the financial crash and watching it lose half its value👩‍👧‍👦 The school collection moment that made Kel reconsider how she was living and working📉 Why reaching a net worth of zero can be an enormous financial milestone🛍️ How Kel’s no-spend year reduced her family’s outgoings by more than €27,000🚦 The simple green, amber and red money audit you can complete using one bank statement💚 How to spend money on what genuinely matters to you without guilt🧠 The link between financial stress, anxiety and physical wellbeing📱 How social comparison creates pressure to look richer and more successful than we feel🗣️ Why Kel believes we should remove the word “should” from conversations about money📚 Why money management is a skill that anyone can learn👩 The financial confidence gap and why women often retire with smaller pensions🤱 The long-term financial impact of caring responsibilities and time away from work🏥 How to review your health insurance based on the benefits you will actually use💼 Why your pension should be viewed as your future income and a source of independence📈 The five main ways people build wealth and why you do not need to pursue all of them🛟 The financial “life jacket” to put in place before beginning to invest⏳ Why successful long-term investing should feel more like watching paint dry than gambling🕊️ How good financial foundations can move you from making difficult decisions to having genuine choicesResources & Links🌐 Visit Mrs Smart MoneyKel’s financial education, coaching and investing resources.📖 Explore Mindful Money by Kel GalavanA practical Irish guide to building healthier money habits and greater financial security.📱 Follow Kel on Instagram💼 Connect with Kel on LinkedIn🧾 CCPC Budgeting ResourcesBudgeting tools, spending calculators and information on managing debt and savings.🏥 Health Insurance Authority Comparison ToolCompare Irish health insurance plans based on the cover that matters to you.🏦 CCPC Guide to Starting a Pension💰 Revenue Information on Pension Tax Relief📊 CCPC Guide to Investing📥 Download the Free Wellness Script Episode GuideFind the key takeaways, expert insights and practical exercises from every episode.🎙️ Enjoyed this episode? Follow The Wellness Script with Lauren O’Reilly on Spotify, Apple Podcasts and YouTube, and share it with someone who wants to feel more confident and in control of their money.