Foreign.

And welcome to the Pat Accounting Podcast with me, your host, Vicky Clark.

I'm going to help you get to grips with your finances, save you lots of money and take the stress out of doing your tax return.

So let's get going.

So welcome, everyone.

Another live this week.

There's two we've had this week and I'm joined by the lovely Farley Snaith, who I said is a money and life coach.

And it's also going to be one of our guest experts at the Expo in November.

So those of you who've grabbed your ticket, those of you who are on the shelf, Fanny is going to be one of our experts there on the day and it's going to be excellent.

Are you going to say?

Are you going to.

We hope.

Cheers.

Cheers.

What's on the shelf?

What?

What's on the shelf?

For those of you who are on the shelf, do you mean.

Did I say shelf?

Did I.

Well, on the shelf.

On the fence.

On shelf.

Fence.

Same.

Wherever.

Wherever you want to be.

If you're thinking about it.

Then we've got one of the lovely experts here today who's gonna talk about who you are, what it is that you do and what actually money coaching is, because I didn't know about it until like a few years ago and obviously we've been through that with my experience of it.

So do you want to just start by introducing yourself and telling people who you are and what it is that you do?

Yes.

Hello, my name is Fanny Snaif and I am a.

I provide money coaching and therapy, or I also call myself a money mindset specialist.

So my job is, is to.

My mission in this world is to have everybody manage their money comfortably without any kind of feelings of guilt, shame, scarcity or any of those other blocks that are popping up possibly in your brains as I speak now.

And so what I do is I help you to adopt the mindset that will let the literacy in.

Because what I found is that somebody can sit down and teach you how to do money.

But actually when you have all the phrases that are, I'm rubbish with money, I don't do money, money's crap, rich people are bad, money doesn't grow.

All these kind of things actually doesn't give you the space to be able to embrace money as your friend and manage it well so that you can build and grow and also do your accounts properly so that when you give them to Vicky, you save her a lot of work.

Yes.

So, I mean, it's, there's, there's Obviously the mindset work that I do, then I teach the practical, the basics, basics of money management and how to start investing and saving and then if there are sort of more underlying currents of things.

So for instance, I have used hypnotherapy for clients who have had financial anxiety.

So for some reason they've got a thing about brown envelopes with windows in, for instance, or they've got some.

Yeah, well, bad if a brown envelope hits you.

Yes, all of that.

But you, you know, but anyway.

But trying to help people whichever way I can in order for them to be able to put the right numbers in the right boxes, know where they're going and look at their money lives much more like an adventure rather than a bothersome burden.

That's basically it.

So I've got a big toolbox that has got tools for money on it that not only are just practical tools, but they're brain tools as well.

Yeah.

So that's what I do.

And you know, just as an example, for instance, I had a lady come to see me last week who's just gone through a very sticky divorce and all these money bits are flowing about, flying about all over the place.

And whereas she's a really intelligent woman and she does her spreadsheets, a holding hand and actually somebody to share it with and actually sit down with her and go, how's this going to work?

So I'm not a financial advisor, I'm a self trained money manager and investor and I've been doing it for many, many years.

And yeah, and the mindset really is everything.

And so that's sort of really what we specialize on.

And so for me, you're a bunch of folks.

I already work in Bill's group, which I think some of it, some people will know.

But do you know what, I don't even have a dog, but I have a cat.

But actually anybody that seems to have things to do with dogs just seem to be really lovely people.

Yeah, yeah.

And I, I was just gonna say when we were chatting the other week, you were saying that you did a group session, was it with a lot of dog groomers, didn't you?

Yeah, I run a course called My Money Makeover and it's an eight week course which we, which is online, there's some videos to watch, but we also meet up once a week and I actually had quite a lot of dog groomers on the last one that I run and it was so lovely to do it in industry specifically.

Yeah.

Trying to get that when you've had A couple of glasses of wine, but it's.

Yeah, it was lovely.

So I had sort of, I think I had, out of the 16 people, I had 12 that were all groomers and they didn't necessarily know each other but all just coming in, they were able to talk about their business and then talk about their personal places to share experiences, share stories and it was lovely.

And actually from that hopefully I'm going to be setting up a year long membership for them to continue which will be really good so we can start getting to wealth building, investing and all that kind of stuff.

But yeah, it's a fabulous course.

It's a really, really good course and it's very affordable, et cetera.

So it's at the moment, it's at the mo.

It creeps up a little bit every time I do it.

I think at the moment it's 5.

7, 5 and these things are worth it.

And you know, I didn't know much about money mindset until a few years ago and we were chatting, weren't we?

Because, and hopefully some people will resonate with this.

You know, of.

I didn't realize that my money mindset, it was linked to what my parents were like as a kid.

And I always grew up, up until probably like I would, I would say even like late 20s, early 30s and I'm only 38, just for reference.

And I thought, and I remember doing this money course and I thought I'm gonna do it because I think it's really interesting anyway.

And I remember going through it and it was like, oh, you know, you learn off your parents, etc, etc.

And then when I sat down and thought about it, I thought because my mom growing up, she was very much a hoarder of money.

Like she didn't want to spend it, she was too scared to spend it was all like save, save, save, like don't spend money because it doesn't grow on trees and you know, you always need a nest egg.

So growing up I was always the same, I'd never spend it.

So I'd like never go on holiday, I never buy myself nice things, oh no, I need to keep the money in the pot just in case because I'm handed.

And then when I did this course, I sat down, I thought shit, that that's not even me.

That's just something that I've adopted from her without realizing it.

And now I'm the complete opposite.

I thought screw this and now I just spend it all the time.

Too wild.

But I, I recognized that from doing that course and actually it changed my mindset of how I look at money, like completely.

Just a three, six year old reversal.

And now I, you know, I obviously spend it properly, I don't go crazy, but if there's something I want it, I'll buy it.

If there's a holiday I want to go on, I'll go on, I'll still make sure I've got my nest egg, but at the same time I just go and do it.

And I think I wouldn't had that realization had I not done what you do.

Yeah, exactly.

And I think what's, what's quite important to add to that is, you know, we can, we can look at our parents and now that you're conscious and aware of what your mum was and what you don't want to be, that's a really, really brilliant place to start to facilitate change.

So just noticing what our money patterns are.

But also remember because I had a situation whereby my mum was.

She inherited lots of money and she just wanted to spend it right.

Spend, spend, spend, spend, spend.

My dad, on the other hand, was.

Everything for him was perfectly adequate.

So he would have, we'd have broken chairs and, you know, we'd have trousers with sort of hole.

They're perfectly adequate, you know, this sort of thing.

And he would literally write down everything, literally sort of list everything.

So I spent this on this.

Journals, journals, journals.

Going all through his years and what.

And.

Or even though he left when I was one and I didn't even really know him until I was sort of 18, 19.

The fascinating part of it was, is that when I look at my money life, I'm more like my dad than I am my mum.

But I definitely have the two of them coming in and clash because let's face it, they don't match each other.

Right?

I.

My dad was like, he didn't care who bought me, went and bought it.

There wasn't really much thought process behind it.

He was probably the opposite end of the spectrum as he just spend it.

Not.

Whereas my mum would be like, no, hoard it.

So, so therefore when you're saying, you know, your mum was a hoarder and actually now you spend all what you like, maybe you're going a little bit more on your dad's way.

But I suppose the thing to do now, or not, I suppose the thing to do now is to find your way and actually own your way.

So.

And I, I can feel it like, for instance, with me, I'll sit there and I'll go through it, I'll go Through sort of everything on my Money hub or whatever app I'm using at the time.

I'm currently using Snoop, by the way, which is a really great place to put all your accounts together so you just see all your transactions in one place rather than having to look in different bank accounts and credit cards.

Just a little tip there, but I'll do all that and then I'll sort of go, oh, let's go and do something wild.

Okay, Mum, dad, actually, let's be funny and let's have it in, have it in the middle.

But yeah, it's, it's such a complex topic, but it's so important.

And for me, in the current world that we're in, I am very much dedicated to the middle classes at the moment.

And what I am seeing is small business owners and other people.

But you know, right now we're in a situation where sums aren't adding up, where you can go out and you can earn a good wage and you've got a reasonable mortgage or rent or whatever it is, and yet you still can't afford to pay the bills.

And it's hard for people.

So whereas there are many people out there going get high ticket clients, actually, I'm actually really enjoying dedicating myself to people like me, people like you, who just want to make a good living and be able to have things work as smoothly as possibly possible for them.

And that really is my mission in life right now, is to empower the middle classes to look after their money so that they don't get squeezed out.

This is the conversation that's going on at the moment with the wealth equality gap growing, growing, growing rich getting richer, the poor getting poorer.

That for us in the middle who are generally hammered when it comes to taxes, et cetera, to try and get some kind of handle on it and not put your head in the sand, which is a common thing, or feel that the world owes you a living, which is another common thing, or to sort of look after everybody else without looking up, but looking after yourself first.

All that kind of stuff is to really keep people front and center when it comes to their finances.

Embrace money as their friend and their partner, because let's face it, you're going to go through the whole of life with money in your pocket, hopefully in some shape or form.

It's the one thing that's never going to be going to go away from you.

You're going to have to have it, carry it with you wherever you go.

So really it's a case of like bringing it out of the corner and going, do you know what?

I think maybe if I treat you a little bit more like a friend, maybe you'll be a bit more of a friend to me.

Because one of the things I noticed, and I don't know whether you notice this, Vicky, is I've noticed that quite a lot of people who go into pet world come out corporate and think, I'm sick of this, I don't want to do this, be nice.

And they go into the pet worlds quite.

And I think sometimes they think it is going to be quite fluffy and nice.

And I think actually, from what I've heard, many, many relatives of people who work in the pet world think that, oh, you just have a lovely time, you just walk dog people.

Actually, you know, you're running a business and it's a tub business and you got to keep all your wits about you.

And if you are coming out of the corporate world to do this, where you've just had a salary every month and you've just had to watch it, watch that money drop into your bank account at the end of the month and all of a sudden you're a small business owner where you're exposed and it's like me, would you want to come and work with me?

That blockage as well, as.

Well as maybe not having a very good relationship with money, as well as having to learn everything in order to run a small business and get customers and pay all the bills, et cetera.

That's tough.

Yeah, yeah.

And I don't think people on the outside realize that because I came from obviously the police world and stop and started the pet accountant, I wouldn't really call that corporate.

I call it some word which I'll not say I'm on here, but you know, to running my own business that I've never done before and I was a bit like, you know, I've now got to be the finance person, I've got to be the marketing person, I've got to do the job, I've got to do cpd, I've got to do this, I've got to do that.

And.

And I think if you don't have that good relationship with the money side either, it's going to affect what you do in the business because it's how you're going to think about it in the same way.

You're not going to think about it one way personally and one way differently.

I wouldn't have thought.

So if you don't get it right personally and then you start your Price is low because you want to ask for more money or you don't put in cancellation policies or you don't take deposits because if I, oh, I don't then ask people for more money, it's going to infiltrate into the business side as well.

And over arching all of this is your relationship with yourself.

Well, yeah, because if you.

And, and there is no better way to expose and amplify the relationship that you have with yourself and with your money than by starting a small business.

Yeah.

And I mean I, I remember, you know, when I went to, I trained at a place called the Money Coaching Institute which was actually in America, which was all mindset stuff.

It was, I.

All the practical stuff is mine that I've learned along the way.

I went there thinking that my relationship with money was brilliant.

You know, I'm going to be really great at this.

I was like, you know, I've made all this money, you know, from a small salary, etc.

I've done really, really well.

I know how to manage money, I know how to invest and I had to buy proper.

All this kind of stuff's tossing me all about got to the Money Coaching Institute and it literally took a very short amount of time to realize that everything that I had built up had been through fear.

The fear of repeating the pattern that I had in my childhood of us losing our money overnight, which is what we did.

Feeling insecure, my mum being married and divorced three times by the time I was 10 and just.

And I, you know, me remembering when I was a 10 year old girl at school vowing that I was never, because I was so angry for what happened, that I was never going to be beholden to anybody for money when I grew up and that I was going to become a millionaire and you know, that was all fine, but the problem was is that when I looked at my relationship with money a la the Money Coaching Institute, I was controlling, manipulative, secretive and just literally building my castle for the fear of me being attacked by something coming from the outside, which is no way to be.

We talk about being in growth rather than being in protection, et cetera.

Yeah.

Top on that.

You know, the fact that I didn't have a great relationship with myself, which I know so many people don't.

You know how many of our parents tell us that we're stupid or that we're not the brightest pin in the box or that we're showing off or that we are, know what, you know, whatever, partner all those things together and when you sit there with Your, you know, you.

You've got your new uniform on or whatever it is, and you have to go out and you go, hello, my name is, and I am doing this in the pet world, and you want to come and work with me and I'm going to give you a fantastic.

It's like, that's hard.

Yeah, it is.

Without doubt, creeps in.

Even when I'm doing this expo and, you know, I've done a lot of things, and even when I was doing it and I was sitting with Teague and I was like, yeah, but what if no one buys a ticket?

Yeah.

And she was like, stop doubting yourself.

Like, it's gonna be fine.

Like, you know, realize what you've done.

And then.

But even now, you still, it still creeps in and it stops you doing stuff in the business that you should have done ages ago.

And if you just had the courage to do it and thought, you know, I can do this, and then go, it makes a massive difference.

Because maybe I hadn't had her go, do you know what?

Stop being ridiculous.

I probably would still just be sat there thinking, oh, I should do a conference, maybe, because it is needed.

Then you're like, oh, I don't know.

Yeah, and it is, it's, you know, it is.

It's really scary.

It is scary.

And you know what?

Again, it's like, with those kind of things as well.

I see people and they go, oh, well, I've got an accountant, so my neighbor.

What about your profit and loss and your balance sheet and all that kind of stuff?

You, you know, you having regular meeting?

Well, no, not really.

I just go and see them at the end of the year.

And then two years down the line, I'm hearing, well, I've now got a huge tax bill to pay because my accountant was crap.

Or I didn't, you know, but they had no relationship with them because again, what they're doing is they're going, oh, that's the money bit.

There you go.

Push that over there.

Whereas really, we all need to be working together.

And I say that to clients all the time.

Like, please talk to us.

You know, we not mind readers, we.

We don't know what's going on at home.

We don't know what you've got planned.

You know, we don't know what your plans are.

And if we only see you once a year, like, it's very hard for us to do what we need to do.

And I always say that clients, like, please, please, please, like, use us for help if you need It.

And I think sometimes there's a misconception that accountants are there to like run your business for you and make you all this money, which is not the case.

We are there to help, but.

But we're not there to, to sort of do the job for you in essence.

But even now I say the kind, please just ring me like if you need anything and I'll see all these questions on the group and I'm like, no, like, ring me like, just like that's what we're there for.

Like your where your business friend.

Like, we can help you look at your cash flow, we can help you look at your profit, your expenses.

But sometimes, like you say, people just go, no, there you go, you have it.

But I think they also do it because, you know, you're the accountant.

Allah, think about things from my past.

You're that school teacher that's going to tell me that I've got things wrong.

Yeah, maybe.

Which isn't.

You haven't been taught it.

That's what they're paying you to show them how to do.

No, it's a very, the whole, the whole complex topic of money mindset.

Managing money is so complex, but yet it's also incredibly simple when you get a, when you get a handle on it.

Really, really, very, very.

I can't like tell people enough.

And this is one of the reasons why I wanted you on the Expo because it changed so much of my mindset doing this course.

And just for context, I did a course to do what Fanny's doing now, but I just didn't follow through because I'm useless and I couldn't stand the way the woman went business and it did my head in.

Anyway, separate story, but even just doing the course that I was gonna then give to people, I thought would be an extra string on my bow, but like I said, I just didn't have time to go to go through with it.

Even like the mindset change I had from just doing like, I don't know, a quarter of that course about how I look at money and my relationship with money and etc had such a massive impact.

And I think what I even do now, which is why I wanted you on here, why I wanted you at the Expo, so that people, if they do have that relationship with money or thing, and I hear it all the time, oh, I'm with money, Vicky, I'm with money.

And it probably isn't.

It's just you need to like, think about the steps and doing stuff like what you do makes you think about those steps and you think, oh, yeah.

And it can just change like that.

And I think it's really important if someone sat there thinking, I am crap with money or I don't have the best relationship with money to come and do one of your courses, because it's mind blowing and I don't often say this about things, but.

And it is.

And I think anyone who's sat there thinking, oh, I'm a bit shit with money and maybe I could do with it, to please do it because it will change your life and come like me and go to the shops on Saturday and buy a new watch.

Because I thought, why not?

Well, you know, when I'm looking at some of the messages from the people who have just finished the course and they, you know, they're sort of going, oh, my God, I can't believe it.

Now I've got money in pots.

I've actually got £800 saved to go on this holiday.

And it's not going on the credit card.

I've actually had the courage to phone up the credit card company and find out what's going on, the interest I'm paying and why am I not getting statements.

So I'm just blindly paying the minimum payment on this particular credit card, which I didn't realize was charging me 37% and I couldn't understand why I wasn't one.

When I wasn't using the credit card, the amount that I owed on it was going up every month, right?

And those kind of understandings and just that feeling of empowerment.

One of the things that I, that I teach is a methodology that I love is so I like to craft our money life as an adventure.

And I.

So I say to people, right, let's go on a financial adventure.

And because if you're looking at your money as being boring, bothersome, a burden, blah, blah, blah, and all this kind of stuff.

And also if you're using all these I am statements, right, which are identity, our core identity.

I am crap with money, I am this.

What do you want to do?

Wear that identity like a badge?

It's like we need to recognize that you're using this kind of language as identity statements that really aren't feeding your subconscious well because we are constantly thinking and proving and looking for evidence to prove that we're right.

And if you're saying to yourself, I'm rubbish with money, it's really easy for you to follow that through.

So that's the first thing.

So thinking about the financial adventure, it is very much about changing your financial Identity.

So I will say to people, we, okay, let's go on this adventure, but I'm warning you now just to say it's going to be more Indiana Jones than it is Dora the Explorer.

You know, it's not always going to be a walk in the park.

We remember Indy and I always remember back, going back to the Indiana Jones films where he would be running down corridor with this fireball chasing him and then at the end there'd be these Amazonian warriors firing, you know, shooting arrows at him and then he dive into a nest of snakes and.

But he'd come out smiling, you know, and he'd cock and he'd be fine.

And I think it's a brilliant way to think about it to go.

Yeah, I've taken the twists and turns, but I've learned this and I've sussed that out.

So thinking about our adventure, then we need four things.

We need a map, which is essentially the B word that I don't like.

Budget.

Right.

I don't create a money map.

And I've created this amazing tool which is like a spreadsheet with colors and you can only type in certain boxes and it does all the adding up for you and all this kind of stuff.

So we have that, which is our map of our spending, which we can do.

We just do the work once and then we just tweak it, right?

So it says, oh, it's amazing.

So you just think, oh my God.

And actually most of the people on my money makeover, they go, I just can't.

The money maps just change my life, which is good.

So we've got a map, then we need a compass too.

Because if we're going on an adventure and we've got our map, we need a compass to direct us along the way, right?

Because if not, we're just going to be sort of wandering around.

Then we need a destination, like where are we going?

Is it that we want to pay for the wedding next year, pay off a credit card, go on holiday next year without the credit card, Start investing, start building up a pot of wealth.

I want 100k saved, I want a six month buffer.

Everybody's at their own different sort of stages.

So you put your flag in the sand as to where you want to go and then we have the most important thing, which is obviously the mindset, because with the best intention in the world, you can, somebody can offer you an adventure.

But if you don't want to go, then you don't want to go.

Yeah, you know, so the mindset I use a tool that I learned in the Money Coaching Institute, which is using the eight money types.

And for any of your listeners who've watched Inside out, you seen it?

Did I ask you that?

You've never seen Inside Out a film?

Oh, you have to.

Who's in it?

It's a Disney film and it's with the little girl who plays, who has all the characters like she has anger, sadness, guilt, et cetera.

So the eight money types are fictional characters who all behave and think about money very differently.

So you've got the innocent, the victim, the warrior, the martyr, the fool, the creator artist, the tyrant and the magician.

And we have all of those within us.

But I always say to you, I will say to clients, if you're going to go on a financial adventure, I'll give you a tour bus to go on.

And my question to you is, what's driving your financial life?

There's a famous quote by a writer called Ayn Rand, and she said, money is simply a tool.

It will take you wherever you wish, but it will not replace you as the driver.

So I ask what money types are driving your bus right now?

And on my website I have a quiz, a money type quiz which people take.

You just get presented with a screen of words and you tick the ones that you think are important to you when it comes to money.

And it will give you an idea as to who's running your money show right now.

All of those characters, it's not money personalities, none of that.

It's completely dynamic because we all have all of these characters within us.

So it's just trying to see who's driving the bus.

And I'm going to be completely honest with you, here in England, we have a lot of people who don't have any driver whatsoever.

Yeah.

So they're all sort of like, yeah.

Drifting along.

And what we want to do is we want to get the magician and the warrior and a bit of the creator artist firmly in that driving seat.

And also to know when they do get knocked off the seat, when maybe something comes up like, oh, my God, I don't know what to do.

I don't know what to do.

This is really difficult.

I'm going to put my head in sand.

Bye.

Like that.

That's the innocent.

We know what to do.

That when the innocent talks over the wheel, he's going, ah.

Like that.

That we can get the warrior and the magician back in again.

So it's a fantastic tool.

And those who've done my money makeover, we're able to go, you know, who's in the room today?

Is it magician?

Is it warrior?

Which one is it?

But once you can learn it, you can sort of do the money type speak.

But, you know, let's make it fun.

Let's try and cut through the noise of everything that's out there at the moment saying, do this, buy this app, open this, get this money, do that.

What do I do?

It's quite confusing.

Like if you haven't grown up with parents that are money savvy and like, you don't know what to do, like how, like, where do you learn it?

Because I mean, I only, I only taught Tegan and she probably wouldn't mind me saying this about balance transfers on credit cards.

Like that actually exists and that you don't need to pay, you know, fees on credit cards, like just transfer it.

So but then if you're not taught this sort of stuff, like how do you know?

So you could be that person as simply as paying, like you said, 30% off on a credit card every month when you could bank transfer and not pay that.

But, you know, just if you don't know, you don't know.

And the thing I think the thing is, is that, you know, obviously we can all go and listen to Martin Lewis, who's fantastic, but the people that really need to listen to Martin Lewis are the ones that aren't listening because they're not in the right mindset to let the information in.

San.

But he's a bit.

They also, I mean, he shouts a lot.

Doesn't he though?

He is a bit sort of shouty.

So I have a very gentle approach with people when they need it.

I mean, I don't mean to be funny or anything.

When I first started this job, I literally taught people how to be their own personal bookkeepers because I haven't done the mindset stuff and I have had people in this office.

I had one person basically pretty much puke up on me.

I had another person pass out.

I've had plenty of people who were almost begging me if they could clean my loo rather than do the work that we were doing because I was teaching them.

We go, and I, and I at that time was sitting there going, sitting there thinking.

I didn't say it.

What's the matter with you?

Why are you so stupid?

Why?

You know, I'm teaching you how to do this, but you, why aren't you interested?

I can't even believe that you're not interested.

Well, that was my tyrant, right?

Driving my butt at the time, you know, why aren't you as clever as me?

I'm teaching you how to be clever and you're not listening.

But.

But people are fearful and people have this thing with money.

Yeah, that.

And we need to make that into a healthy space for.

Yeah, it's really important.

Yeah, I do as well.

And I think it makes such a difference to your personal life and I think it'll help them in their business as well if they can get that right.

Discuss then money with customers.

Helen's put a good comment on here.

Ask for more money is hard.

Risking losing a customer when more people can't afford holidays is easy.

I feel A customer seems to think save a few pounds on boarding before spending pounds on a holiday.

And she's absolutely right.

She's absolutely right.

And this is the.

This is the thing, you know, we.

Yes, of course there are people out there that can't really, genuinely can't afford stuff.

So we need to try and get them into the mindset that actually allows money to come into their lives because there's plenty of money out there.

We just got to get it so it's working for them.

But the number of times when I speak to somebody who.

And not.

It doesn't happen so much more recently because I think I've sort of sussed it out.

But I remember in the old days when I go, they'd say, well, how much is it to work with you then?

And I was charging poultry fees back then and I go, oh, it's this.

And they go, oh, no, no, let me think it was.

Sounds really nice, but let me.

Can't.

Yeah, I don't think I can really afford it.

I've got my.

I'm going to Robbie Williams next summer and then I've got my.

My Rio trip in June.

Go get me.

And I got my nails done and yeah, I go to London and get my hair cut.

That is.

So that's when we're starting to look at values and it's people's rally and I've spoken to enough dog groomers who can work out customers values when they look at sort of how their dogs come in sometimes what, you know, they.

What's more important turning up in the very expensive car and then taking these very massive dogs out because they feel that they can't afford to take to the groomers or whatever.

So it's.

It is difficult.

But I think the thing is, who was that lady who just left the comics?

It's got Helen.

Sorry, Helen.

So, you know, and again Helen, you're so on it.

But the point is, is that you sit down with a piece of paper and you work out what it costs to run your business and you add onto it the salary or the, the take home pay that you want to have you paid for and you can get a really good guide from your prices there.

And you've got to not only just skinnily earn what you need to earn, you need money in coffers, you need cushions, you need money set aside for when something goes wrong.

You know, there's all sorts, you know, always think about.

And actually the simple fact is the price needs to be what the price needs to be.

Yeah, I think people need to start investing in themselves as well.

I think people like you say, spend a lot of money on stuff that doesn't really matter, but then when it comes to something important that could actually save them money and help build themselves on a long run, it's more of a question.

Whereas going and spending 100 quid getting your nails done is, is fine.

But when it's like something to do with your business or something personally to help you grow, it's almost like, oh, well, I don't know if I want to spend that now.

It's the same.

I could go and spend a grand on a watch, but then coming to do a course to do something to help me, that's a thousand pound, I'd be like, I need to think why.

But even people that go, I'm used to accounts, I mean, you know, my accounts are a real shit show.

You know, I've got myself so much mess with hmrc, I don't know where I'm coming or going, how much these services and I'll go, right, it's 27 pound plus bat a month.

No, I can't, I'm not paying that and think, but we're going to help you.

And it's, it's an investment.

And that can go with any, any business, not just ours.

It's like you've got to like help yourself.

And I think for some reason there's always a mindset issue with, I'm quite happy to go and spend money on like, like you say Robbie Williams tickets, but when it comes to helping like a course to help me in my business, well, I'll have to think about it.

It's weird.

It is, it's very, it's very interesting.

But I think people like the tangible stuff and they don't see how investing in somebody like yourselves, or investing in somebody like myself or coming doing A course, et cetera is going to be able those tangible things so much better.

We can't see it physically.

That's the thing maybe and you know.

In, in our world now of neurospicy, you there's a whole load of other stuff going on and, and people who are neurospicy tend to want to set up their own businesses so there are differences going on there and I mean I, I work with a many, many people that have ADHD and there's always a way but sometimes it you just.

We need to work together to work out what the weighing is, you know and this is the thing and I will teach a certain way that is very thorough but after maybe doing that for say six months or so, you've got to find your own lane on what works for you and I.

Nothing makes my heart sing more than anything is when somebody comes to.

You know that money map you gave me?

Funny, it's brilliant but I hate that bit.

I go great, what are we going to do with it now?

What should we do to change it?

And that's when I can really see that they are getting, getting in the right lane with it because they're already going no, I'm, I've done that but that doesn't work.

I need to do something different and that's fantastic.

Yeah.

What's one way sport the other week?

And I don't know if I'm going to put you on the spot here because you might not have it to hand.

I think it was to do with that coaching session, said you'd had really good feedback from a lady that was it, that she'd put a prices up or something after the, the chat I'm sure you said you've got sent an email or a text or something with it.

What a groomer?

Yeah, I think so.

After your session she got, she went and told all her clients as she put her prices up.

Yeah, but yeah.

Oh, I mean, but I mean that I don't, I don't mean to be funny or anything Vicky, but that happens quite regularly.

Business is business.

Yeah.

You know and it's, you know, you sort of.

Oh, nice fluffy dog.

No.

And actually most dog groomers and I don't really know many dog walkers although we've got some opposite us actually I should go and tap on their door and go, I know a really good pet accountant.

Get yourself to the Expo.

Get yourself to the Expo.

Yeah, I can give you a lift.

The confidence, put our prices up by just having that one session.

I think it is important because people struggle with the finance and the money side and struggle with what they see as confrontation possibly.

And I think if anyone can give anyone the confidence and the bump to go actually, do you know what?

I'm going to do it, like sod it.

Right.

I need to make money at the end of the day.

Yeah.

And I think, but I think the more the most important thing it's, anybody can just go and put their prices up.

I could go and double my prices tomorrow.

But you got to have the why and you need to, if you want to be able to stand there in absolute, in a solid way and say the price is this.

You've got to have every cell of your body understanding what you're doing and why you're doing it.

Yeah.

And this, I think this is, this is the thing and I, I don't know, I mean I know that there's loads of high ticket stuff out there and people spending thousands of pounds and all this kind of stuff but you know, I'm, I'm very much a person that likes to meet people where they are and much as I love sort of the one to one clients of which obviously I charge an awful lot more for, my favorite work, I have to say is my money makeover.

Definitely.

Absolutely.

Having a group of people together.

I remember once we had a, we had a, I was doing a course and we had a, we had one lady on there and they were sharing money stories and there was one lady and she had a really difficult, difficult childhood with her parents back and forth out of prison, you know, going backwards and forwards to the grandparents.

A lot of packing up in the middle of the night, you know, and doing a runner and all this kind of stuff.

And in the same group there was another lady there who actually has gone on to be a property mentor.

She had this big goal to be financially free by the age of 40, she did it by 39.

And I, basically, she was my student and she was telling me about how she came from a very wealthy family and how she used to be drunk, driven around in a shaffer driven car and all this kind of stuff.

But she didn't really get any attention from her parents and she was going, I can't share my story after I've just listened to this one of this lady with no money, et cetera.

I said, but don't you see that you've both got similar stories?

The money isn't the important bit in it.

No.

Yeah.

It's about how you're, you know, if you look at how she was cared for.

She had love of her grandparents and all this kind of stuff.

And whereas the lady here who had all the money was virtually on her own.

So this is the complexity of the.

Of it all and that's the beauty of all of our stories in the fact that we are all so different.

Yeah.

You know and I tell my story when I in.

In the My money makeover which is on my money.

My was a absolute roller coaster.

My.

You know, before the age of 12, I guess it was like hideous.

Up and down, up and down, up and down.

And it all means different things for everybody.

Yeah.

Yeah.

Do you know someone called Randall Stonia because he's put an odd.

Yeah, I do.

Funny worth the ask.

Why is he in your group?

That's.

Oh, I know.

Because he does doggy things.

Do they Randall?

Yeah.

Do you know Randall that I used.

Okay, so I used to work with Randall.

I don't.

I don't think I owe him money.

Be nice try.

But I'm not contact with Randall.

But I love.

I worked with Randall in 1990.

That's good memory.

Until about 1992, we used to work for a company called Motive Force.

All right.

Yeah, we used to do.

I didn't even.

I remember it's the only job I ever went into on my first day of work.

I had no idea what I was doing.

Right.

Anyway, lovely to hear from you, Randall.

Be good to catch up at team point.

I think your answer is more money.

Do you owe me money, Randall?

Possibly the question.

Couldn't it.

Yeah.

Bless him.

Yeah.

Right.

Fabulous.

I feel like I don't want to talk anymore because it's going to ruin.

Ruin what we always put.

I look forward to seeing you soon.

There we go.

Get him to the Expo.

Yes, I'm trying.

I'm trying.

He's just put poofed.

But yes, I don't want to talk anymore because I feel like we're going to talk at the Expo and you're going to have something good for.

For everyone who goes.

This is just a bit of a snippet in case people don't know what a money coach is, money mindset and all of that sort of stuff.

Because I didn't know and I think, you know, it gives you food for thought.

Definitely.

And Fanny's going to be one of our trusted partners on the website and she's going to post stuff on our Facebook group and put all our details in there, links to our website, etc.

So if you do want to get in contact with that then you'll have all of the links ready.

Maybe if it's not now, you can do it later.

Everything will be there after the expo as well and hopefully it should be staying around afterwards for a cheeky beverage on the Saturday and you can pick a brains maybe, you never know.

But yes, thank you so, so much for coming on and sharing everything.

Can I just invite people if they would like to on my website, which is quite simple.

It's fannysnath.com to have a crack at the money type quiz.

So yeah, start, start getting to know what the money types are and how they work and have a seat and I'm always happy to have a free cons, you know, money type consultation.

I'll give you a little, little reading.

I'm gonna do it.

I'm gonna do it.

I think it's about.

I mean, why you haven't done it already, Vicki, not how sure I know.

I don't know, just I'm a bit.

But I will go and do it.

Does it tell you who's done it so you'll know it's me?

Oh yeah, yeah, I see for him.

So yes, go on the website, get it done.

If you're not sure who, who's driving your bus, I'll be interested to know who's driving mine.

We'll see if I let you know.

But yes, no.

Thank you so much for joining us.

I hope everyone's enjoyed it.

Like I said, get on the website.

All of the details will be on the group and on our website soon and you will see finally on the 15th of November.

So get your tickets please.

And the next month makeover will be coming soon.

So again you can register your interest for it if you are interested on my website there's a little poppy up thing that comes and you go, are.

You going to put something in the group as well so that people can, can find that fabulous.

And you'll share the link and stuff.

Because you are a little bit behind but I will share it.

This is a side note on the expo for those of you who are thinking of coming, I have a seven page list of people to ring.

There's over 300 people on the list.

So if you haven't had a call from me yet, it's basically because I'm drowning in phone calls.

If you are desperate, desperate and you want a ticket and you don't want to risk being the 201 on the list because there's only 200 seats available, I've nearly got half of those full already.

So if you do want a ticket and you don't want to miss out and wait for my call, there's a post on the group and on the page with my email address, vickyolpio.co.uk.

if you want a ticket and you don't want to wait for me to call you because I don't know where you're going to be on this list, then please just email me and say, please give me a ticket and I'll make sure you get on there.

But if you like, I don't know where everyone is on the list, you could be the 300th person in which case you won't get an in person ticket.

So if you are desperate and I know I've had a few emails already, please just let me know and I can tick you off this list and get you a ticket in case you miss out because it will sell out.

So because why can't, why can't they call you?

They can.

Well, no, because then it clogs up the phone.

You see, we've got self assessment to do.

I can't have everyone clogging up the phone.

So me is better because then I can keep a track so I don't lose out and I don't forget anyone.

So email me or wait for my phone call if you dare.

So if you dare, you might tune in first person.

You can't get it.

So as first come, first serve, I will be going through my list.

I've got a list and I know.

I know who some of the speakers are.

You do, obviously.

And Tegan's put, they can ring me, you can ring Tegan or ring Tegan, whichever.

But we do have a good lineup.

Yes, that's good.

It is going to be a good lineup.

It's going to be great fun.

Great fun.

Cheryl's coming.

She's put.

I'm really excited.

Good.

Cheryl has just bought a ticket today.

Fantasy in November and, But yeah, just let me know, email me or I will be ringing you.

Just bear with me because there's a lot of people to get through if you haven't had my call already.

It will come at some point over the next couple of weeks.

Tigers.

But I do work for the pet.

Ken, Just randomly ring her.

I know, it's just not a random person, you can't speak to her.

But yes, thank you so much.

This will be going live on Monday on the podcast for anyone that's listening to afterwards, please go and do the quiz on Fanny's website and we will put all the details on there.

As soon as she sends them to.

Me, I'll do it right now.

Thank you very much for the opportunity and it's lovely to meet you guys in the group.

I hope to meet some of you much better soon.

Better, yeah.

And yeah, you got a new, new person in your group.

Fabulous.

Love it.

Massive fan.

So, right, I'm gonna go because we'll be on 50 minutes, but anyone that wants details, we'll put it up there.

Hopefully get your tickets in.

We'll see everyone in November and I'm sure you will see Fanny soon because we'll be in the private Facebook group at some point once I get that organized.

But yes, thank you so much and we're gonna go.

Thank you everyone.

Hope you have a great week and have a good weekend and we'll catch up with you soon.

Take care.

Thanks very much, Vicky everyone.

Thanks for listening.

If you've enjoyed my podcast, don't forget to subscribe for me.

And if you want to speak to me, please visit my website@www.petaccountant.co.uk and if you'd like to join my Facebook group, which is full of like minded pet professionals, then search accounting for pet professionals in Facebook and I will see you there.