Podcast
The She Means Money Show
Hosted by Sian Palmer · EN
The podcast for women who earn decent money — but still don’t feel in control of it.
Hosted by financial educator Sian Palmer, this is where honest money conversations meet practical systems that actually work in real life. No jargon. No judgement. No “just stop buying lattes” nonsense.
If you’re tired of feeling stuck in the cycle of spending, debt, and financial anxiety — even though you’re smart, capable, and working hard — you’re in the right place.
Each episode blends real-life storytelling, mindset shifts, and simple money strategies to help you:
- Break free from debt and reliance on credit
- Build clear, automated systems that run in the background
- Stop feeling guilty about spending — and start spending intentionally
- Rebuild trust in yourself and your financial decisions
- Feel confident, capable, and in control of your money
This show isn’t about being perfect with money or becoming rich overnight. It’s about clarity, confidence, and designing a financial life that supports you — with room for joy, flexibility, and ease.
Think of it like a pep talk over coffee with a mate who’s been there, messed it up, figured it out, and now wants to help you do the same.
Because you’re not bad with money. You just weren’t taught a system that works for your life.
New episodes every week. Subscribe, press play, and let’s make money feel doable again.
3episodes
Episodes
Newest firstAll episodes
I Was Almost Bankrupt — Here’s What Actually Changed Everything
Jan 1300:40:11Tap to summarizeThere are some sentences you never expect to say out loud.And one of mine is this: I was genuinely facing bankruptcy.Not in a dramatic, click-baity way. Not in a “things are a bit tight” way. But in a very real, very legal, this is actually one of my options right now kind of way.In this episode, I’m taking you back to the moment my money avoidance finally caught up with me — and what actually got me out of £26,000 of debt in 18 months.Spoiler: it wasn’t a perfect budget. If you’re smart, capable, earning decent money — and still feel stuck, anxious, or quietly ashamed about your finances — this episode is for you.For years, I believed things like:I’ll sort my money out when I earn moreEveryone lives in their overdraft — that’s what it’s forCredit is just how you afford a life these daysPeople like me aren't debt-free or financially secureI was educated. I earned well. I was “good with everything else.” And yet money felt chaotic, emotional, and impossible to control.Until one calm, non-judgemental phone call with a UK debt charity completely dismantled what I thought was “normal” spending — and forced me to question where my money was actually going… and why.That conversation changed how I see money, joy, goals, and my future self.In this episode, we talk about:What nearly going bankrupt really looks like (and why it’s more common than you think)Why budgeting kept failing me — and probably isn’t the real problem for you eitherThe moment I realised I’d been outsourcing my joy to future-me (on credit)Why deprivation-based budgets create resentment — and rebellionHow a £200 “joy fund” helped me pay off £26k of debt faster, not slowerThe emotional cycle of debt, stress, and survival spendingWhy mindset and systems are both non-negotiable if you want real changeHow to measure every spending decision against one clear financial goalThe belief shift that made everything simpler: don’t fund joy with debtMentioned in this episodeUK debt charities and free debt advice servicesBudgeting “averages” vs personal valuesEmotional spending and survival modeBuy Now, Pay Later and 0% credit mythsCost-per-wear thinkingValues-based spendingThe £200 joy fund conceptShe Means Money Club philosophy: mindset + systems = freedomYour Next Steps:📲 Find Me on SocialsInstagram: https://www.instagram.com/iam.sianpalmer/TikTok: https://www.tiktok.com/@iam.sianpalmer💸 Start Taking Control of Your MoneyGet access to free tools and resources: 👉 She Means Money Club – Free Tools: https://shemeansmoneyclub.com/linksFacts, Figures & References https://shemeansmoneyclub.com/post/i-was-almost-bankrupt-heres-what-actually-changed-everything
Transcribe →
Why Earning More Hasn’t Fixed Your Money Stress
Jan 600:30:40Tap to summarizeYou know that feeling when payday hits — and for a couple of hours you feel like the queen of your life?Bills paid, fridge stocked, confidence high.And then… two days later, you’re right back to wondering where it all went and why you’re broke again.That’s the Payday Panic.That gut-clenching, head-spinning moment when the money that was supposed to last the month… doesn’t even make it through the week.In this episode, I’m calling out the real reason this happens — and spoiler: it’s not because you’re “bad with money.”It’s because the entire system is built to keep you financially stretched, emotionally fried, and quietly ashamed.We’ll talk about how culture, marketing, and even your nervous system keep you stuck in the same payday loop — the one where payday feels like relief instead of progress.Because the truth is, you can be earning £30k, £50k, £70k — and still feel like you’re one bill away from chaos.This one’s for every woman who’s ever thought: “I earn too much to feel this broke.”Let’s unpack it together — with no guilt, no spreadsheets, and no shame.What You’ll LearnWhy payday highs always crash into mid-month panicHow lifestyle creep and emotional spending quietly drain your incomeThe sneaky psychology behind “treat yourself” marketingWhy most women see more ads — and spend more — without even realising itHow Klarna, Clearpay, and credit apps turn stress into spendingThe cultural lie that “earning more” automatically means financial securitySimple shifts that stop payday from feeling like a reset buttonYour Next StepsFind me on socials:Instagram: https://www.instagram.com/iam.sianpalmer/TikTok: https://www.tiktok.com/@iam.sianpalmerStart taking control of your money with these free tools: https://shemeansmoneyclub.com/links📊 Facts, Figures and References - https://shemeansmoneyclub.com/post/episode-2-why-earning-more-hasnt-fixed-your-money-stress
Transcribe →
Debt, Shame, and the Lies We Tell Ourselves About Money
Dec 3000:27:59Tap to summarizeLet’s talk about the thing no one wants to talk about.Money.Even saying it feels like we’ve broken an invisible rule, doesn’t it? We’ve been taught to keep it quiet — to smile, to cope, to pretend it’s fine.But for a lot of us, it’s not fine.In this episode, In this episode, I’m sharing my real, messy money story.Not the polished “look at me now” version — the honest one.We’ll unpack why money feels so emotional — and why you’re not bad with it. From the gender pay gap and the pink tax to Klarna culture and emotional spending, you’ll see exactly how the system was designed to keep women feeling behind.Because money isn’t a maths problem — it’s an emotional one. And once you start talking about it, the shame starts to shrink.If you’ve ever looked at your bank account and thought, “I should be doing better than this,” — this episode’s for you.What you’ll learn:My honest money chaos story — and what it taught meWhy feeling behind with money isn’t a personal flawThe cultural and systemic roots of women’s financial shameThe pink tax, Klarna culture, and how the system profits from our stressHow emotional spending isn’t weakness — it’s communicationWhat calm, guilt-free money systems actually look likeYour Next Steps:Find me on socials: https://www.instagram.com/iam.sianpalmer/Start taking control of your money with these free tools: https://shemeansmoneyclub.com/linksFacts, Figures and References - https://shemeansmoneyclub.com/post/episode-1-debt-shame-and-the-lies-we-tell-ourselves-about-money
Transcribe →