Not Just Revenue

In this episode I talk about why overspending happens and how to start getting control of it. First, I explain why you need to define “overspending” for yourself using a simple financial audit, so you’re not trying to live within unrealistic limits. Then I unpack three drivers of spending: the pressure of capitalism and consumerism, dopamine chasing (especially under stress), and the biggest one: identity spending, where purchases are tied to status, belonging, or who we think we should be. I share prompts to explore what you truly want versus what’s been inherited from others, and I leave you with one key question to ask before buying01:16 Define Overspending03:11 Capitalism and Consumerism13:21 Dopamine Spending Explained17:48 Identity Spending and Status22:50 Personal Examples and Journaling28:12 The One Question to Ask✨ Join Six-Figure Safety → https://emilienutley.co.uk/six-figure-safety

In this episode I break down what the new UK tax year means with the introduction of Making Tax Digital, especially if you’re a sole trader around the £50k revenue mark. I cut through the online noise (and the accountant fear-mongering) to explain why this change can actually make tax simpler and help you feel more in control of your money. I share what you really need to set up, how often you’ll update HMRC, and why you don’t need expensive software or to outsource everything. I also explain what still falls under the old system, key timelines to be aware of, and what I’m encouraging my clients to do right now so they’re not juggling multiple tax worries at once.FREE MAKING TAX DIGITAL TRAINING: https://emilienutley.myflodesk.com/nfcg321i8700:00 New Tax Year Alert02:00 Why MTD Helps03:19 MTD Basics Explained04:35 Pick Simple Software06:36 Monthly Reconcile Habit09:40 Quarterly Updates Made Easy14:11 Avoid Deadline Panic16:05 Who Must Register18:21 Resources And Next Steps✨ Join Six-Figure Safety → https://emilienutley.co.uk/six-figure-safety

In this episode I break down how stock market investing actually works and why it’s been made to feel confusing and out of reach. I unpack the “boys club” narrative, explain how the financial services industry profits when you don’t understand investing, and show how seemingly small advisor and platform fees can seriously erode your returns over time. Using my own numbers, I compare DIY investing through a low-fee platform with going through a financial advisor and reveal the long-term difference fees can make. 00:41 Why Investing Feels Hard02:27 The Hidden Cost of Advisors04:55 Real Fee Comparison Numbers11:46 Why DIY Investing Matters14:28 Investing Basics Explained16:42 Market Dips and Long Term Growth18:42 Index Funds and Cashing Out20:18 Investing Like Business Investing23:39 Final Goodbye✨ Join Six-Figure Safety → https://emilienutley.co.uk/six-figure-safety

In this episode I talk about income plateaus, when money is coming in but it’s stopped growing, and share what I’ve learned from my own experience of hitting consistent 5K months and later facing a drop in sales. I walk you through three core reasons this can happen and leave you with practical prompts to reflect on what’s really changed in your business so you can adjust with more patience and resilience.00:00 Welcome and premise00:42 Woo meets mindset02:34 What a plateau looks like04:26 Financial resilience lesson06:37 Reason one beliefs shift12:59 Reason two new leads17:31 Reason three offer switcheroo20:29 Reflection prompts and wrap✨ Join Six-Figure Safety → https://emilienutley.co.uk/six-figure-safety

In this episode I walk you through how to calculate your retirement number so you can stop guessing whether you’re on track. I talk about why retirement planning can feel more stressful for our generation, especially for business owners without workplace pension contributions, and the key differences between pensions for sole traders and limited company owners. Then I break down my five-step process for calculating your number.00:00 Retirement Number Intro00:35 Pensions Then vs Now02:23 Self Employed Pension Options04:38 Five Step Roadmap05:17 Step One Life Vision08:22 Step Two Cost It Up12:43 Step Three Find Old Pots13:22 Tracing Service Walkthrough17:15 Consolidate With Pension Apps20:53 Step Four Income Streams23:15 Step Five Calculate The Gap23:48 Example Using Calculators28:01 Wrap Up And Next Steps30:32 Final Thanks And Goodbye✨ Join Six-Figure Safety → https://emilienutley.co.uk/six-figure-safety

In this episode, I dive into how people pleasing can quietly kill your profit, focusing on pricing and sales. I talk about undercharging to avoid discomfort, caving when someone pushes back, hesitating to raise prices for existing clients, and defaulting to discounts instead of holding your value. On the sales side, I cover how fear of seeming pushy leads to vague follow-ups, backing off when someone goes quiet, over-explaining on discovery calls, and not booking a clear next step. I tease a possible part two on scope creep, delivery, offers, business models, and marketing.00:00 March Check In00:18 Kitchen Reno Chaos01:18 Podcast Name Change02:19 People Pleasing Overview04:13 Pricing People Pleasing06:56 Raising Prices Confidently11:23 Stop Discounting19:05 Sales Follow Up Nerves23:45 Discovery Call Confidence26:37 Wrap Up And Part Two✨ Join Six-Figure Safety → https://emilienutley.co.uk/six-figure-safety

In this episode I dive into how to increase your profit margins by pulling more than the usual two levers of earning more or spending less. I break down practical ways to grow income and how to review expenses with clear visibility and a return-on-investment lens. The key shift is getting specific about what “more profit” is actually for so you can choose the right strategy instead of chasing vague “more money.” 00:00 Welcome00:58 Profit Margins Overview01:51 Get More Clients03:12 Raise Your Prices → Grab the Confident Pricing Toolkit here: https://emilienutley.co.uk/pricing-toolkit04:40 Pricing Caps and Trial Runs09:29 Build an Offer Ecosystem12:27 Cut Expenses with ROI15:53 Define Profit Margin Goals17:48 Take Home Pay and Money Management20:58 Wrap Up✨ Join Six-Figure Safety → https://emilienutley.co.uk/six-figure-safety

In this episode I share how I overinvested in my business despite my financial expertise. I outline what not to do when investing and then when investing can make sense. 00:00 You’re Over-Investing: Why This Matters (and I’ve Been There)00:47 My Business Origin Story: From Financial Influencer to Money Coach02:46 Fast Growth, Fully Booked… and the Cashflow Trap06:25 The Credit Card Snowball: Investing on Expected Future Growth08:12 When Growth Plateaued: Tight Cashflow, Mixed Debt, and Stress12:19 Reset Plan: Paying Down Debt and Building Business Reserves13:26 When NOT to Invest #1: Shiny Object Syndrome16:16 When NOT to Invest #2: Aspirational Purchases & “More Money” Myths19:37 When NOT to Invest #3–4: Affordability Rules + Desperation Buying25:09 When It IS Smart to Invest: Fix a Clear, Data-Backed Gap27:00 Invest to Increase Capacity—But Only When You’re Already in Demand29:11 Plateau Breakers: Mindset/Identity Support + Final Reflections33:16 Closing: Integrity, Lessons Learned, and Moving Forward✨ Join Six-Figure Safety → https://emilienutley.co.uk/six-figure-safety

In this episode Emilie discusses how to survive a low-income season in business. She shares her current situation: after hitting only 30% of a November launch goal and making no sales in January. Emilie outlines how financial stress reduces strategic and creative capacity (referencing the book "Scarcity" by  Sendhil Mullainathan and Eldar Shafir) and argues that earning more doesn’t guarantee safety. Emilie introduces her framework for building “Six Figure Safety,” focusing on creating financial “more-than-enoughness” through predictable take-home pay, living joyfully without restrictive budgeting, and building lasting wealth. She describes building safety via revenue planning with a buffer (“overflow”), optimising profit, setting aside taxes, paying a consistent salary, and letting excess accumulate in the business to cover low-income months.00:00 Welcome + What a “Low Income Season” Really Means00:38 Personal Update: Illness, Low Energy & How It Hits Sales02:02 Why Financial Safety Matters (and Why “Just Get a Job” Isn’t Simple)04:14 My Current Numbers: The Launch Miss, No Sales & Cash-Flow Reality05:37 What People Do When Income Drops: Debt, Partner Support & Cutting Back10:59 Scarcity Mode Explained: Why Financial Stress Kills Strategy14:35 The Big Lesson: Income ≠ Safety (Even at Multiple Six Figures)16:57 Introducing “Six Figure Safety” & What “More Than Enough” Means18:38 The 3-Part Framework: Predictable Income, Joyful Living & Lasting Wealth21:19 Overflow in Action: Buffers, Profit Strategy & Surviving the Dip24:13 Reality Check: Consistent Income Is a Myth—Predictable Take-Home Isn’t25:41 Wrap-Up + Invitation to Join Six Figure Safety✨ Join Six-Figure Safety → https://emilienutley.co.uk/six-figure-safety

In this podcast, Emilie delves into the intriguing concept that being 'good with money' is seen as aspirational rather than relatable. She shares her personal journey and insights, explaining why discussing financial competence often feels like bragging and examines societal and psychological factors that contribute to this perception. Emilie also touches on the impact of social hierarchies, identity threats, and cognitive dissonance, urging listeners to challenge their own comfort zones and take steps toward financial competence. 00:00 Introduction and Topic Overview01:14 The Concept of Money Being Aspirational03:35 Social Hierarchy and Money05:21 Personal Journey and Financial Influence08:07 Psychological Insights on Money Perception16:13 Challenges in Seeking Financial Help32:55 Call to Action and Conclusion✨ Join Six-Figure Safety → https://emilienutley.co.uk/six-figure-safety

Forecasting isn’t scary because you’re bad with numbers. It’s scary because uncertainty feels unsafe — and most people are trying to plan the future without giving themselves any predictability in the present.In this episode, I break down why forecasting feels so uncomfortable, and how to build enough trust in your numbers to make calm, strategic decisions in your business.We talk about:What “data” actually means (and how to find it without spreadsheets from hell)Why profit alone doesn’t help you planHow overflow, owner’s pay, and predictable expenses reduce financial stressHow to stop reacting to money and start making decisions with intentionThis isn’t about perfect predictions. It’s about creating enough structure that your business can actually support your life.Six Figure Safety is linked below if you want support putting this into practice.✨ Join Six-Figure Safety → https://emilienutley.co.uk/six-figure-safety

In this episode, Emilie takes you inside a real Six-Figure Safety coaching call where the focus wasn’t budgeting, mindset, or spreadsheets — it was making more money without launching something new.You’ll hear how two clients approached the same goal in different ways:One, a systems and client experience expert who wanted to keep hitting £10k months despite being sold out — and how she turned existing work into a smart, limited-time offer that feeds directly into her core programme.The other, a content marketer who transformed her own self-coaching process into a powerful lead-in offer — building trust, gathering market research, and creating a natural pathway into higher-ticket retainers.Emilie breaks down what actually works right now when it comes to offers: buy-in strategies, trust-building through genuine help, and why you don’t need to reinvent your business to increase your income.If you’ve ever thought “I want to make more money but I don’t know what to sell”, this episode will land.✨ Join Six-Figure Safety → https://emilienutley.co.uk/six-figure-safety

In this podcast episode, I welcome Daisy, a digital Instagram coach, to discuss her transformative journey with financial coaching program 'Cashflow Confident.' Daisy shares her struggles with financial avoidance and how investing in Cashflow Confident helped her gain control over her finances, ultimately reshaping her approach to money and business. We elaborate on the benefits of the financial audit and how it provided clarity and reduced stress for Daisy and her husband. Daisy highlights the practical tools and strategies that improved her business management, leading her to decide to enroll in Six Figure Safety for a holistic, 12-month financial program. This comprehensive episode underscores the importance of financial education, mindset shifts, and ongoing support to achieve long-term financial stability and business success.✨ Join Six-Figure Safety → https://emilienutley.co.uk/six-figure-safety

In this episode, Emilie introduces 'Six Figure Safety,' a comprehensive financial program designed to consolidate years of financial teaching into a unified course. Despite initial hesitations about the name, the program aims to provide more than just monetary gains; it focuses on achieving financial security and peace of mind. The host discusses the importance of managing existing resources effectively and addresses common financial fears, advocating for a holistic approach to money management. Tune in to learn more about the transformative power of financial literacy and community support.00:00 Introduction and Personal Update00:25 From Fan Blogs to Online Business01:27 Introducing Six Figure Safety02:28 The Concept of Six Figure Safety05:21 Overcoming Financial Misconceptions08:03 The Importance of Financial Management11:52 Program Details and Launch14:24 Conclusion and Launch Announcement✨ Join Six-Figure Safety → https://emilienutley.co.uk/six-figure-safety

In this episode, financial strategist and certified money coach Emilie dives into the often-overlooked topic of lowering prices. With six years of experience in finance, Emilie offers valuable insights into the strategic decisions behind adjusting her rates. She reflects on her journey from starting as a money coach in 2024, initially charging £1,500 for three months of one-on-one coaching, to her current prices. Emilie discusses the importance of understanding her ideal client’s financial situation, the need for alignment between perceived value and investment, and her own mindset shifts in pricing. She emphasises the necessity of balancing her offerings to ensure accessibility and sustainability while delivering impactful results. Through her story, Emilie provides practical advice for fellow business owners on pricing strategies and maintaining business growth.00:00 Introduction and Purpose00:09 Emilie's Background and Experience01:26 Initial Pricing Strategy02:36 Transition to Business Owners04:06 Group Program Development05:34 Mindset and Pricing Adjustments08:10 Current Pricing and Ideal Client16:16 Future Plans and Offers19:36 Conclusion and Contact Information✨ Join Six-Figure Safety → https://emilienutley.co.uk/six-figure-safety

This week's discussion focuses on the concept of a 'life-first business,' emphasizing the importance of prioritizing personal life and well-being while managing a business. Emilie highlights the common pitfalls of letting a business take over one's life and shares personal experiences of balancing business with childcare and mental health challenges. Emilie discusses strategies for maintaining control over business operations, setting profitable prices, and ensuring that business goals align with personal life goals. The goal is to create a sustainable business model that supports the desired lifestyle while managing financial responsibilities effectively.00:00 Introduction to Life First Business00:26 Defining Life First Business02:07 Balancing Business and Personal Life04:17 Personal Struggles and Adjustments09:14 Financial Strategies and Business Control14:00 Revenue Goals and Strategic Planning17:54 Living Your Ideal Lifestyle23:03 Conclusion and Final Thoughts✨ Join Six-Figure Safety → https://emilienutley.co.uk/six-figure-safety

In this episode of The Fund Your Damn Life podcast, Emilie shares insights about a common money belief encountered during her client calls: the struggle to hold onto money. She explains why the idea of hoarding money is rooted in scarcity thinking and emphasises that money is meant to flow. Emilie discusses the importance of having clear savings goals, the value of intentional spending, and reframing how we view money and savings. She concludes by highlighting the need to create spending plans that align with personal goals and joys, stressing that it's okay to spend money to enjoy life.00:00 Introduction and Setup00:38 The Money Belief Dilemma01:34 Scarcity Mindset and Money Flow02:43 The Importance of Savings Goals07:46 Creating a Spending Plan09:28 Container Theory and Money Management11:35 Final Thoughts and Summary13:10 Conclusion and Farewell✨ Join Six-Figure Safety → https://emilienutley.co.uk/six-figure-safety

Transforming Your Financial Approach: The Shift from Avoidance to OwnershipIn this webinar replay, Emilie addresses common financial struggles of online business owners, focusing on the mindset shift from avoidance to ownership. She debunks myths around increasing prices and spending on ads, advocating for sustainable, scalable methods. Emilie emphasises the importance of understanding financial foundations, tracking income and expenses, and setting realistic revenue goals tailored to personal lifestyles. She shares client success stories, introduces her Overflow Formula™ for managing business finances, and details her program, Cashflow Confident, designed to help business owners take control of their finances, pay themselves consistently, and grow their businesses without financial stress.00:00 Introduction and Agenda Overview00:24 Common Misconceptions About Financial Growth01:16 The Importance of Financial Foundations02:04 Personal Financial Struggles and Realisations08:20 The Shift from Avoidance to Ownership17:42 Setting and Achieving Revenue Goals23:48 Pricing Strategies for Business Success30:40 Overcoming Pricing Fears31:09 Understanding Client Accessibility32:06 The Overflow Formula Explained32:29 Cashflow Tracking and Management34:33 Practical Bank Management Tips35:17 The Importance of Financial Strategy42:30 Introducing Cashflow Confident Program44:45 Program Details and Benefits49:30 Final Invitation and Q&A✨ Join Six-Figure Safety → https://emilienutley.co.uk/six-figure-safety

In this episode, Emilie emphasises the importance of addressing financial beliefs and fears, particularly how they stem from early childhood experiences and societal influences. She explains that managing money isn't just about knowing the strategies but also shifting the underlying beliefs that drive financial behaviours. Through a detailed explanation of neural pathways, Emilie illustrates how ingrained money beliefs can be reshaped with new experiences and evidence-based actions. She stresses that effective money management skills are essential for fostering a positive money mindset and overcoming financial fears. The episode concludes with an invitation to join her 'Cashflow Confident' program, aimed at helping individuals master both money management and mindset.✨ Join Six-Figure Safety → https://emilienutley.co.uk/six-figure-safety

In this episode of 'Fund Your Damn Life,' Emilie Nutley offers an in-depth breakdown of her Overflow Formula, a strategic financial management system designed for business owners. Emilie addresses common questions, explaining the importance of regularly saving money to cover low sales months, pay off debt, and fund personal goals. She compares her method to Profit First, highlighting why her approach is more practical for business owners who prefer simplicity and directness over micromanaging multiple bank accounts. The episode underscores the necessity of tracking every business transaction to understand cash flow, debunks the myth of consistent monthly income in entrepreneurship, and emphasises the importance of building a financial cushion before paying off debt. Emilie also touches on the practical use of savings, advocating for a mindful approach to managing finances. The episode is a call to action for business owners to become more financially literate, confident, and strategic, offering tools and support through her Cashflow Confident program.✨ Join Six-Figure Safety → https://emilienutley.co.uk/six-figure-safety

In this episode, Emilie Nutley walks viewers through the step-by-step process of using business revenue to fund a holiday without raising red flags with tax authorities. She starts by calculating the holiday budget and emphasises the importance of having financial goals. Emilie discusses two main strategies: saving a portion of her salary or utilising business overflow—the money remaining after all expenses, taxes, and owner’s pay are covered. She highlights the significance of maintaining a healthy profit margin and making sure there's surplus cash (overflow) for unexpected costs or slower months. Emilie also introduces the concept of trivial benefits for limited companies in the UK, allowing for tax-exempt vouchers that can aid in holiday funding. She wraps up by encouraging listeners to align their financial strategies with their lifestyle goals, underscoring the importance of allowing oneself joy through strategic financial planning.✨ Join Six-Figure Safety → https://emilienutley.co.uk/six-figure-safety

In this episode, Emilie speaks candidly about the mindset and strategies around debt, specifically business debt but applicable to all kinds. Emilie immediately dives into the topic of debt, emphasising that debt is a tool, not a moral failing. She uses her own experience to illustrate her points and demystify the shame often associated with owing money. Emilie explains the psychology behind debt, including the role of dopamine and scarcity mindset, and argues for shifting the focus from debt elimination to building savings first. She shares personal anecdotes, like her challenges around food spending, and how addressing the root cause rather than the symptom led to better financial outcomes. Emilie stresses the importance of creating a 'breathing fund' to cushion against financial stress and recommends focusing on savings instead of debt to break the cycle. She concludes by teasing future episodes on leveraging business overflow and planning holidays using business funds.✨ Join Six-Figure Safety → https://emilienutley.co.uk/six-figure-safety

In this episode, Emilie Nutley tackles the crucial topic of paying yourself from your business. Emilie explains her 'overflow formula' and the 'three-account system' as foundational steps for financial stability. She walks listeners through a detailed process of conducting a financial audit of personal and business expenses to determine a realistic owner's pay. The discussion covers managing cash flow, prioritizing necessary and joyful spending to keep a healthy mindset, and leveraging AI tools for financial tracking—with caution. Emilie underscores the importance of regular financial check-ins and offers insights from her 'Cashflow Confident' program, aimed at helping business owners implement effective money management systems. This episode is filled with strategic advice and practical applications to help listeners navigate their finances confidently.✨ Join Six-Figure Safety → https://emilienutley.co.uk/six-figure-safety

In this episode, Emilie Nutley breaks down how business owners can manage their finances through a simplified one-bank-account system called the Overflow Formula. Despite usually recommending the three-account method, Emilie shows how you can adapt it to one account by using digital spaces or pots provided by modern banks. This system ensures all business income and expenses flow through one account, with separate allocations for taxes and overflow to manage excess funds. By setting a consistent payday and tracking a 'magic number' for expenses and salary, you can maintain financial stability even when your income varies. Emilie critiques the popular Profit First method for being overly complicated with its five-account setup and highlights the importance of maintaining a sustainable mindset that's free from scarcity. She also touches on real-life applications, offering practical steps and sharing client insights, while emphasizing that effective money management is about knowing and working towards your personal financial goals.✨ Join Six-Figure Safety → https://emilienutley.co.uk/six-figure-safety

In the kick-off episode of Fund the Damn Life, Emilie Nutley gets real with business owners about flipping the script. Ssing your business to fund the life you want, not the other way around. She shares her no-BS advice on why paying yourself a consistent salary is non-negotiable, even if your income is all over the place. Emilie talks about financial security, setting realistic goals, and avoiding the scarcity mindset that keeps you stuck. She breaks down how to figure out your necessary expenses, track them, and reverse-engineer your sales to meet those goals. Plus, she teases the next episode, where she'll share why you only need one bank account to manage your finances. Get ready for some tough love and actionable tips to transform how you handle your business cash flow.✨ Join Six-Figure Safety → https://emilienutley.co.uk/six-figure-safety