I think it’s an important episode because a lot of people think it’s taboo to talk about money and this actually hinders the way our relationships develop. One of the top reasons for divorce is money! So if people just talked about it more, I really think it would help us.

When it comes to friendships, we might sometimes unknowingly pressure a friend to live a lifestyle they can’t afford because they are trying to keep up with us financially (or vice versa). With social media as well there is a lot of “keeping up with the Joneses” and trying to look “together” in front of peers. So Ellie talked about the value of being very open with friends and saying, “Look is this something you can afford? Are you happy to do this? Would you like to do something else?”

There is so much fear around money, so how can we start feeling confident about it and maybe even start having fun with it?

Shifting from a scarcity mindset to an abundance mindset comes with having more knowledge about how the world of money works and how people work. It pays to research and read up on the things that interest you: mortgages, credit cards, loans, getting out of debt.

I do also think it’s important to remember that, as morbid as this sounds, money is not something we can take with us to our grave. Money is made to be spent. I’ve had family members who have saved, saved and saved. And when they passed away, they didn’t enjoy their life [as much as they should] because they were also so worried about spending money.

So on that journey towards abundance, it’s important to remember that balance. Administer self-care and say, “Do you know what? I am deserving of money and it’s OK if I spend things on myself or to make me feel more comfortable in life.”

Trust yourself and remind yourself of your wins. Sometimes we forget to pat ourselves on the back. But if you’ve come from a place of debt, and you’re getting out of debt, celebrate that. Remember, “If I was able to do that, then my habits have changed”. And it’s just about sustaining those habits.

Money Moves With Toni Tone: how to be more confident with your finances