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Published by Veronia Spaine
You’ve got a good job and solid salary, but you’re still living paycheck to paycheck - secretly stressed while looking like you’ve got it together. This podcast is for professional women in their 30s who are done pretending everything’s fine. I’m Veronia, a London-based Money Coach who paid off £16k debt in 18 months without giving up my life. Each week I break down why you’re really in debt, share client wins, and teach simple systems to pay off debt, save money, stop overspending, and finally feel in control again. If you earn well on paper but feel behind, this is for you.
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Thinking about waiting until January to start paying off your debt? You might want to think again. With Christmas, Black Friday and all the extra expenses that come with the end of the year, it can feel easier to put your financial goals on hold until January. But what if Q4 is actually one of the best times to start making progress with your debt? In this episode of Broke on a Good Salary , I'm sharing why waiting until January could be holding you back and why now might be the perfect time to start taking control of your finances. Ready to finally pay off your debt and start saving money? If you're tired of starting every year with the same financial goals but never making progress, that's exactly what I help you change inside my one-to-one money coaching. I help you pay off at least one debt and save one month's worth of expenses in less than six months , without having to give up spending money on the things you enjoy. Book a free call HERE to find out more about working with me.
How much money should you actually have in your emergency fund? You've probably heard that you need to save three to six months' worth of expenses, but what if that advice doesn't actually make sense for your situation? In this episode, I'm breaking down what an emergency fund really is, the difference between an emergency and an expected expense, and how to calculate how much you personally need using my ILE framework. We'll also talk about whether you should focus on building your emergency fund or paying off debt first, so you can start building savings without delaying your debt-free journey. Ready to finally pay off your debt and build savings that last? If you're tired of earning good money but still having to rely on credit cards whenever an unexpected expense comes up, that's exactly what I help you change through my 1:1 money coaching. Together, we'll work on paying off your most stressful debt and building savings that last, so you don't end up going back into debt again. Click here to book a free call and find out more about working with me.
You pay your rent or mortgage on time. Your direct debits always go through. You know exactly how much your bills cost every month. So why do you still feel broke? And why haven't you been able to pay off your debt or build any savings? In this episode, I'm breaking down two reasons why paying your bills on time isn't enough to help you get out of debt , and what you need to start doing differently so you can finally have more money to show for your salary. Ready to finally pay off your debt and start saving money? If you're tired of paying your bills on time every month but still having nothing left to show for your hard-earned money, that's exactly what I help you change in my one-to-one money coaching. Through my step-by-step process, I'll help you pay off at least one debt and save one month's worth of expenses in less than six months, without having to give up everything you enjoy spending money on. [Book a FREE call here to find out more about working with me.]
Want to finally pay off one of your credit cards before Christmas, but feel like no matter how much money you put towards your debt, the balance never seems to go down? In this special episode of Broke on a Good Salary , I’m sharing the full recording of my live workshop, Get One Credit Card to ZERO Before Christmas . During this workshop, I’ll walk you through: Why trying to pay off all your credit cards at once could be keeping you stuck. How to decide which credit card to focus on first. How to create a realistic plan to get one credit card down to zero. How to make progress without giving up everything you enjoy. This isn’t just about learning more about paying off debt. I want you to actually work through the exercises and leave with a plan you can start putting into action. Want my help putting your plan into action? Inside my 6-month 1:1 money coaching programme, I help you pay off debt, build savings that last and stop falling back into the cycle of credit card debt. Book a free call to find out more here.
If you want to pay off your credit card before Christmas, there are a few things you need to understand first. In this episode, I’m breaking down 3 things you need to know about your credit card debt. Because you don’t need to wait until January to start making progress with your debt. And if you're tired of making payments towards your credit cards but never actually seeing the balances go down, this is exactly what I help women do inside my 1:1 money coaching. Together, we'll create a plan to help you pay off your most stressful debt and build savings that last, without putting your entire life on hold. Ready to finally get your debt paid off? Apply for 1:1 money coaching here
Living at home should make it easier to save money and pay off debt - but what happens when emotional spending keeps getting in the way? In this episode, I’m sharing the practical steps you can take to reduce your emotional rent. You’ll learn how to work out what living at home is really costing you, identify the emotions driving your spending and create a realistic plan that still gives you space outside the house without constantly overspending. If you’re tired of still being in debt while living at home and you’re ready to finally pay it off, build savings and put yourself in a position to move out, that’s exactly what I help you do inside one-to-one money coaching. To find out more about working with me, book your free call HERE.
Living at home should make it easier to pay off debt and save money - but what if it doesn’t? You might not be paying rent to a landlord, but you could be paying a different type of rent. In this episode, I explain what emotional rent is, the different ways it can show up in your spending and why living at home isn’t always as financially “free” as it looks on paper. If you’re tired of still being in debt while living at home and you’re ready to finally pay it off, build savings and put yourself in a position to move out, that’s exactly what I help you do inside one-to-one money coaching. To find out more about working with me, book your free call here .
There’s a difference between spending money and overspending - and the answer isn’t to stop spending altogether. In this episode, I’m sharing practical ways to stop overspending without feeling like you have to cut out everything you enjoy. We’ll talk about how to become more intentional with your spending, plan for the things you actually want and make faster progress towards paying off your debt. And if you want to finally stop overspending, enjoy your money without the guilt and pay off your debt faster, this is exactly what I help you do inside my 1:1 money coaching. Click here to find out more and book a call.
Overspending isn’t always caused by a lack of discipline or an obsession with avocado toast. Sometimes, the real reason goes much deeper. In this episode, I’m sharing three of the biggest reasons I see professional women overspending - even when they earn good salaries and genuinely want to pay off their debt. And if you’re ready to pay off at least one debt and save one month’s expenses, find out more about my one-to-one money coaching here. And come back for the next episode, where I’ll share how to stop overspending without cutting out everything you enjoy.
There are only four months left of 2026, but that doesn’t mean it’s too late to make a big change with your money. In this episode of Broke on a Good Salary , I’m talking about why you don’t need to wait until January to get serious about your finances.. - and just how much progress you could make before the end of the year if you start now. And if you’re ready to pay off at least one debt and save one month’s expenses, that’s exactly what I help you do through 1:1 money coaching. Book a call HERE to find out more.
Paying off debt doesn’t mean putting the rest of your financial life on hold. In this episode, I’m sharing three things you should be doing while paying off debt to help you make progress without feeling like your entire life has to revolve around getting to £0 or $0 - and to make sure you’re building towards something bigger than simply becoming debt-free. If you’re making a good salary but debt is stopping you from building savings and moving forward with your bigger financial goals, my 1:1 money coaching can help you pay off at least one debt and save one month’s expenses, so you can finally feel like your salary is taking you somewhere. Book a call HERE to find out more about working together.
Paying off £16,000 of debt in 18 months wasn’t just about becoming debt-free - there were much bigger reasons why I decided I didn’t want to spend the next five years making debt payments. In this episode, I’m sharing the personal reasons I decided to pay off my debt and how that decision has shaped what I’ve been able to do with my money and my life since. And if you’re ready to finally pay off your debt, build savings and have more of your salary available for the things you actually want, that’s exactly what I help you do through my 1:1 money coaching . Book a call HERE to find out more.
Summer spending can easily knock your finances off track - but you don’t have to wait until the new year to reset. In this quick end-of-summer money check-in, we’re talking about what you need to think about now if you want to finish the year feeling differently about your money. There are only four months left until the end of the year. If you’re earning a good salary but you’re still in debt and don’t want to enter another year in the same position, now is the time to change that. Through my 1:1 money coaching, I’ll help you pay off at least one debt and save one month’s expenses, so you can go into the new year knowing you’ve finally made real progress with your money. Book a call HERE to find out more.
You’re doing well in your career, earning a good salary and know how to get things done at work - so how can you use those same skills to finally pay off your debt? In this episode of Broke on a Good Salary , I’m sharing three practical ways to take the skills that have helped you progress in your career and apply them to your money. Because you don’t need to become more disciplined or completely change who you are - you may already have the skills you need to start making real financial progress. And if you’re ready to pay off at least one debt and save one month’s expenses so you can start using your salary to build the life you actually want, join me in 1:1 money coaching! Book a free call with me HERE to learn more.
You’ve worked hard on your career, increased your salary and done everything you thought would help you get ahead financially - so why are you still in debt? In this episode of Broke on a Good Salary , I’m breaking down why so many professional women can be successful in their careers while still overspending, living paycheck to paycheck and feeling financially behind. And if you’re ready to change that, my 1:1 money coaching can help you pay off at least one debt and save one month’s worth of expenses in less than six months, so you can finally start using your salary to build the life you’ve been working so hard for. Book a call HERE to find out more about working together.
Is it actually possible to save for a house in this economy -especially when you’re already earning a good salary but still feel nowhere near being able to buy? With house prices feeling increasingly out of reach, it’s easy to assume that buying your own home just isn’t realistic. In this episode of Broke on a Good Salary , I’m breaking down what could actually be stopping you from saving for a house and how to start making that goal feel possible. If you’re earning a good salary but debt is getting in the way of buying your own home, my 1:1 money coaching helps you pay off at least one debt and save one month’s expenses - so you’re on track to finally start saving for your house. Book a call to learn more about 1:1 coaching HERE .
Think buying a house is impossible right now? If you're earning a good salary but still feel like homeownership is getting further away, this episode is for you. I'm sharing one of the biggest reasons I see professional women struggle to make progress towards buying their first home - and why focusing on the right financial goal could help you get there sooner than you think. If you're ready to pay off at least one debt and finally start making real progress towards buying your first home, that's exactly what I help you do in my 1:1 money coaching. Book a call HERE to learn more.
If you're in your 30s, earning a good salary, but still carrying debt, you might be wondering why it feels so much heavier than it did a few years ago. In last week's episode, we talked about why debt hits differently in your 30s. In this episode, I'm sharing what I would do differently if I found myself starting my debt-free journey all over again. Whether you're feeling behind on your financial goals, struggling to save for a house, or wondering how you're still in debt despite working hard, this episode will help you see your situation differently and take the next step with confidence. And if you're ready to pay off at least one debt, build lasting savings, and finally feel in control of your money, that's exactly what I help you do through my 1:1 money coaching. You can book a call HERE to learn more.
Why does debt suddenly feel so much heavier in your 30s? If you're in your 30s but still carrying debt, you may have noticed that it's no longer just about the money. It's about what that debt is stopping you from doing. In this episode, I share why debt hits differently as you get older, the mindset shift that changed everything for me, and why understanding what your debt is really costing you is the first step towards finally leaving it behind. And if you're ready to stop letting debt hold you back and want support to pay off at least one debt so you can start building savings and move towards the next chapter of your life with confidence, that's exactly what I help women do through my 1:1 money coaching. You can book a call with me HERE to find out how we could work together.
If you've ever wondered why your debt doesn't seem to be going down, even though you're earning a good salary and making overpayments every month, this episode is for you. In this episode of Broke on a Good Salary , I'm sharing how one of my clients paid off over £4,000 of debt in less than 90 days . She was earning around £60,000 , had more than £50,000 of debt across loans and credit cards, and had been stuck in debt for years while dreaming of buying her first home. I'll walk you through the three key changes we made that helped her make real progress with her debt. And if you're ready to pay off at least one debt and build a money system that helps you stay out of debt for good, you can book a call here to learn more about my one-to-one money coaching.
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Apple Podcasts rankings via the Mato Topic Intelligence Platform.
Observed November 3, 2026. Cached outside the daily freshness window; the positions keep the date they were taken on.
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