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The Money Medicine Clinic Podcast

The Money Medicine Clinic Podcast

By Dr Nikki
I'm Dr Nikki, a financial empowerment coach, with a mission to help women from all over the world build more abundance of wealth into their lives.

This podcast is a series of 10-minute takeaways of nuggets of information on how you can feel more happy and confident with money.

I'm not a financial adviser, so anything I say is for educational purposes and not meant to be construed as individual financial advice. Make sure you do your own research and seek professional help if you need to.

Dr Nikki x
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Episode 1: Introduction To The Money Medicine Clinic

The Money Medicine Clinic Podcast

Episode 1: Introduction To The Money Medicine Clinic

The Money Medicine Clinic Podcast

Episode 123: I’m a Money Coach, And These Are The Most Common Money Mistakes I See People Make
Hello! In my work as a money coach, I’ve noticed a number of money management patterns among my clients. It’s incredible how similar we all are when it comes to our finances. I’ve pulled out the top 10 money mistakes I see regularly with the aim of making you feel like you’re not alone in this. So here goes... If you want. to read the show notes, go here: If you want to sign up for the webinar [pre-March 28th 2022], go here: Enjoy! Nikki
March 25, 2022
Episode 122: How Do Your Hormones Impact On Your Finances?
Hello! Our hormones are fascinating! Have you ever stopped to consider how your hormones can affect your finances? My background is in women’s health, and I’d never really thought about the idea that my money was affected by my menstrual cycle. But the more I read about it, the more I realise that our hormones could play a big part in how we manage our money. Read the shownotes here: Until next time, Nikki x
March 18, 2022
Episode 121: Starting A Business – Is It Truly The Path To Build Wealth?
Hello! One of my favourite authors writing about money is Robert Kiosaki. In fact, the first book I ever read was Rich Dad, Poor Dad. It really opened my eyes to what was possible in life when it came to money, and it sparked my interest in this topic. A while later, I read another of his books, The Cash-Flow Quadrant and I realised that building wealth involved needing to transform what I was doing with my money long term and how I was making money too. Many people think is that starting a business is what they need to do to make money. This is partially true, but it is the way that you do it which holds the biggest key to success (and less stress!). I’m going to talk through what I have learnt from this book, and perhaps you’ll want to check it out and read it yourself too! If you want the video version of this, check out my YouTube channel. Nikki x
February 25, 2022
Episode 120: What's Your Partner's Money Love Language?
Hello! Have you heard of love languages? The book by Gary Chapman goes into a theory that we express love in 5 different ways: Words of affirmation; Quality time; Physical touch; Acts of service; Receiving gifts. Now if your partner is an "acts of service" kind of person, and you're a "words of affirmation" kind of person, you may get into situations where your partner is doing all these great things for you to help around the house etc, but they don't land as "love" to you because you need to hear the words being said. It's the same for money! We all have blocks and blindspots about money, and often this comes from how we were brought up. When getting into a relationship, you're combining the net sum of both couple's money issues, and when you don't communicate about it, that's where trouble can begin. I hope this helps. Nikki x P.S. if you fancy taking the quiz, go here: If you need support with gambling worries, read this article:
February 11, 2022
Episode 119: Should I Buy Or Rent A House?
Hello! I always encourage you to ask me questions, and when there is something really juicy, I like to write about it! This question is one of those... "Should I Buy Or Rent A House?" Let me start with this (based on harsh personal experience). My answer is... it depends. Sometimes it just makes no financial sense to buy for the stage of life you're at. If you want to read the show notes, go here: Enjoy! Dr Nikki x
February 04, 2022
Episode 118: The 10 Limiting Money Mindset Blocks Keeping You BROKE!
Hello! Examining your money mindset and beliefs is ESSENTIAL if you want to sort your money out. 80% of personal finance is about how you think about money, the other 20% is the nuts and bolts that you need to organise it. Have you ever thought about your money mindset? Feeling frustrated and like there is never "enough" money is a clue that there is some stuff going on. I hope you find this episode helpful for examining your own blocks around money. For the show notes go here: Nikki x
January 28, 2022
Episode 117: The trap of emotional spending and how to break the addiction
Hello! Robert Kiyosaki calls them "doodads". Vicki Robin calls them "Gazingus Pins". Otherwise known as an unconscious spending weakness. We all have them. Be it books, journals, notebooks, scarves, shoes, bags, jewellery, makeup, watches (like my mum), toys for your kids, there will be SOMETHING you can’t resist spending money on. For me its shoes. Oh, and journals. I never seem to be able to resist a journal. Now, in my world, there is nothing wrong with spending money on things we want. I am ABSOLTELY all about rewarding yourself for a job well done or a goal reached. We celebrate people's wins often in my community. But what does cause problems is if this celebrating is done without thought or planning. In other words, when we allow our unconscious emotions to guide our spending. Enjoy my ramble on the subject! Dr Nikki x P.S. For the show notes, go here
January 21, 2022
Episode 116: Does Money Buy Happiness?
Hello! I'm back with a new season and a new episode for 2022! Here's the topic for today's discussion. Can money buy you happiness? Well, it’s a hotly debated topic. The thing is, I think a lot of people confuse money and happiness with the well-known phrase, “money is the root of all evil”. Personally, I think you can have both money and happiness, and here’s why. Enjoy! Nikki x P.S. If you want to read the show notes, go here: ‎
January 14, 2022
Episode 115: How Much Do I Need In An Emergency Fund?
Hello! It's time for another community question, and it's one I get asked a lot - "how much do I need in my emergency fund?". An emergency fund is really important to help you out if you lost your job or had an unexpected major life event to deal with. But how much should you have, and where should you keep it? As with anything to do with personal finance – it depends. It’s very specific to who you are and your circumstances.  It was one of the first goals I ever set myself when I started out on my money journey, and I will never forget the excitement when I managed to save my first £1000! To check out the shownotes, go here: Until next time, Nikki x
December 03, 2021
Episode 114: 6 Signs You're Ready To Buy A House
Hello! For most people, buying their first house will be the biggest investment that they ever make. However, the worst thing you can do is get on the property ladder before you are ready. Many people think that they’re “throwing money away” if they don’t buy a home, but actually, it may be the more savvy approach not to. Today, there is so much pressure to own your own property, yet it is more difficult than ever before to do so. With that being said, read on to discover the key signs that you are ready to purchase a property. To read the show notes, go here: Until next time, Nikki x
November 05, 2021
Episode 113: 5 Financial Lessons We Can All Learn from Warren Buffett
Hello! There are many forms of investing. Most people, when they think of investing, I’m sure will think of the “Wolf of Wallstreet”, or something similar; high aggression, testosterone-driven, swearing, sweaty, money-fueled madness. But this is embellished reality – a story made all the more obscene to make a good film. Real investing is not like this. In fact, the kind of investing that is safe, secure and sustainable is decidedly unexciting. It involves due-dilligence, honest, emotionless appraisal, and playing the long-game. This is everything that the famous Warren Buffett stands for, and he is an excellent investing role-model for the rest of us. In fact, he also disliked the testosterone-fueled craziness that was going on in wall-street, and chose not to be part of it. If you don’t know who this genius man is, he is the CEO of a major American share-holding company called Berkshire-Hathaway, and is known as the “Oracle of Omaha”. He is one of the richest men in America, building his wealth slowly over his lifetime. This is what he partially blames his amazing success on – his good genes and time spent actually investing. If you want to catch the show notes, go here: If you want to join the October 3-day Investing Ignition event, go here: Speak soon, Nikki
October 15, 2021
Episode 112: Ethical Banking And Investing
Hello! I’ve previously spoken about ethical investing on the Money Medicine Clinic podcast (episode 38). But I want to give you a broad overview of ethical banking, because there’s more to it than just ethical investing. You may have come across the idea of switching your utilities to ‘greener’ products and services; you can also do the same when it comes to choosing a banking provider. For the show notes, go here: For the ethihcal investing freebie, go here: Until next time! Nikki x P.S. For the $1 trial, go here:
October 08, 2021
Episode 111: Are You Investing Yet? The Future Of Investing Is Female
Hello! Do you invest in the stock market? Gone are the days where you have to have huge sums of money and a fund manager to do it for you. It might look confusing, but that is nothing that a bit of knowledge can't sort out. Investing is actually very rewarding - both in feeling accomplished in understanding how to do it, and of course financially for your longterm future. More women than ever are branching out into the proactive side of money management. One of the reasons behind this is a wave of new technologies coming through that are making investing in stocks and shares easier and cheaper than ever. But it's still not enough (yet). According to HSBC UK, just 12% of women currently invest, vs. 19% of men. Why is this a problem? Because women on average live longer than men, yet our pensions are not matching this. Due to reduced income through the gender pay gap, and taking the greater share of childcare responsibilities, women are losing out on all fronts. But investing doesn't have to be hard, or expensive! To read the show notes, go here: To download the free investing e-book, go here: Until next time, Nikki x P.S. For the $1 trial, go here:
October 01, 2021
Episode 110: How To Make Your Child Wealthy
Hello! Whether you have kids or not, teaching children about money is a really important topic. It’s the only way we’re going to break the money blocks and limiting belief cycles that continue to hinder our success when it comes to personal finance. I truly believe that the more women there are educating each other about money, talking about it, discussing it with their children and demonstrating powerful ways of using it, we’ll all be much better off. This is how you make your child wealthy. I don’t have kids — but I do have a nephew and a goddaughter, and I like to take the time to make money an important subject in their lives. If you have children, I’ve outlined some ideas below for you to help them get involved with learning about money. Even if you don’t have kids, do pass this podcast on to someone who does and can benefit from it. For the shownotes go here: Until next time! Nikki x P.S. For the $1 abundance clinic trial offer EXCLUSIVE to podcast listeners, go here:
September 24, 2021
Episode 109: “Doing money” with your Hunny
Hello! According to money is the number two cause of divorce. So I wanted to focus this week on your relationship and how you handle money as a couple. Have you had the conversation with your other half yet, or are you both sweeping it under the rug? Knowing how you’re going to manage your money together is essential before getting too deep into commitment. Here are some suggested questions to get the conversation flowing. Remember that talking about money can be difficult for some people (it certainly was for me), so take your time, and keep the atmosphere light and relaxed. Money conversations do not need to be stressful! For the show notes, go here: Speak soon! Nikki x P.S. For the $1 trial of the Abundance Clinic Membership, go here:
September 17, 2021
Episode 108: How Do I Get My Partner Involved in Our Finances?
Hello! When you’re keen to make some positive changes to your finances but your partner isn’t, how do you get them on board? This question is so common; many people in our community have the same concerns. There are some things that might help, which I’ll break down in this episode. To read the show notes, go here: To buy your own set of money habitudes cards: click this link To take the. money personality quiz: click this link To take advantage of the $1 trial, go here: See you next time! Nikki x
September 10, 2021
Episode 107: Financial Resilience - How You Can Protect Yourself From Financial Disaster
Hello! The online community talks a lot about financial independence. The goal – one of mine too – is being so financially secure through assets like stocks and shares or property, that you’re in a position where you no longer have to work. But what I don’t see covered very often is the journey, how things can go wrong, and what measurements to put in place to protect yourself when things don’t go to plan. Having money freedom involves getting to a stage where you can handle most situations that require money without having to stress. It’s not a state of financial independence where you can give up work, but rather a case of money no longer stressing you out because you know you are covered. As a doctor I’ve seen lots of circumstances where patients are being caught out through illness, then struggling to cope with daily life. The aim is to make sure that you have things in place to avoid getting caught out financially in your time of most need. Here's my suggestion for what you can do. Until next time, Nikki x P.S. For the $1 membership trial, go here:
August 20, 2021
Episode 106: What Does A Crash Diet Have To Do With Being Broke?
Hello! Your personal money cycles are much like the cycle of a person who goes on a crash diet – they go for months/years eating what they like, when they like, and then one day something happens. Maybe they see a photo of themselves and wonder how they got fat, or they try on a dress/jeans/anything in the size “they’ve always been” only to discover it doesn’t fit and this makes them feel more depressed than not having any chocolate in the house when some SERIOUS cravings strike. Then what do they do? They read about something which is the NEXT BEST THING in dieting, and throw themselves into the regime, enthusiastic that THIS TIME it will work. How many times however, have they been on a *really* restrictive diet, they’re losing weight and they’re feeling fab because they’ve hit their weight goal, only to blow it all soon after when the restrictiveness gets too much and they relax again? This would be the so-called “yo-yo” dieter. Sound familiar? For the show notes, go here: Until next time, Dr Nikki P.S. To Join the *NEW* Healthy Money Planner Challenge, go here:
August 13, 2021
Episode 105: I’m Trying to Get Out of Debt, What Do I Do?
Hello! Being in debt can make you feel really isolated, but this question is one I’m asked frequently, by people who are worried and don’t know what to do or where to start. Ultimately, the debt isn’t going to go away — it’s something you’re just going to have to deal with. So, for now, here are some things you can do to get started. It’s also very easy to trick ourselves, and not do the things we say we’re going to do. I’m just as guilty of this with things like exercise, weight loss and debt. So, I highly recommend getting an accountability buddy for those times you feel like things aren’t going so well. Having an accountability buddy means you’ve got someone you can lean on in desperate times. For example, if you’re really tempted to buy something which could blow your budget and ruin your debt repayment strategy, you’ve got someone there to listen and support you. There are plenty of women in the FMD Facebook group, so come along and join us and tell us if you’re struggling. You can also join the 2 week Healthy Money Planner Challenge starting 23rd August 2021. This will help you to get clear on your budget, be accountable to your goals and dreams, and get starting on your debt free journey! To buy a planner and find out about the challenge, go here: If you already have a planner, click this link to sign up to the challenge. Until next time, Nikki x
August 06, 2021
Episode 104: Money And Our Mental Health - What To Think About
Hello! Money is intimately linked to our physical and mental health. It was one of the main reasons why I started my blog, The Female Money Doctor. It's also why I'm now a Financial Empowerment Coach for Women (as well as an NHS GP!). I am on a mission to help as many women as possible with money stress, and help them feel in control of their finances. In my doctor role, I regularly come across patients who get into financial difficulty, and are so stressed by it that they become anxious and depressed. Or they become unwell, and then get into financial problems, further adding to their health burden. Financial instability is a big reason why people cannot take time off of work. It's why they often can't get the help they need and get back to full health quickly. Sleepless nights, poor eating habits, and poor coping strategies with drug and alcohol use all perpetuate and contribute to the problem. For the show notes, go here: For the $1 membership trial, go here: Until next time, Nikki x
July 30, 2021
Episode 103: Your Questions Answered - "I Want To Invest But I’m Scared"
Hello! “I want to invest, but I’m scared of losing all my money. I know it’s a limiting belief, but I can’t seem to get around it. What can I do to get over my fear of investing?” This is a really common question, one which I think many of you can identify with. There’s quite a lot to consider around this, so I’m going to break it down into 5 different parts; stocks, funds, investment amount, your risk tolerance and your mindset. How Can I Overcome My Fear of Investing? Fear of investing generally stems from stories of people losing fortunes. It’s hardly surprising; these are the stories that are creating headlines. But ultimately, the highs and lows of your investing journey depend on how you approach it. Go to the show notes here: If you have a question you'd like answered, email me: Nikki x P.S. For the $1 Membership Trial, go here: And If you want to learn how to invest in the stock market, check out my investing course here:
July 23, 2021
Episode 102: What Is Financial Independence And How Do I Get There?
Hello! I talk often about "Money Freedom", which is the point at which you are free from worrying about money - it no longer stresses you out and you have a handle on how to manage it. It's where money supports you. This is TOTALLY do-able! But what if your goal is even more ambitious than that? What if you want to retire earlier than in your 60s for example? Well you're not alone...  There are many people who would love to be able to leave work earlier than traditional "retirement age", often not to "do nothing", but to gain the freedom to choose what they want to do in life. This is certainly my goal. This is otherwise known as Financial Independence. Read the show notes here: Speak soon, Nikki x P.S. If you want to start on your freedom journey, why not come and do it with me! Check out the $1 trial of my private members club, The Abundance clinic here:
July 16, 2021
Episode 101: Your Questions Answered - "I Try to Save Money, but It Never Seems to Work"
Hello! This podcast episode was inspired by a question I was sent in: “I try to save money every single month, but it never seems to work. I put money aside each time, but by the end of each month, I realise there’s something I still need to pay for, so the money has to come out of my savings again. What am I doing wrong? I am so frustrated; I feel like I’m never going to get what I want.” - Anon I want you to know, it’s not just you! This is a really common scenario that I see all over the internet in various different guises, and perhaps you’ve felt like this too? I certainly have; it was at the very start of my money journey, and I was really struggling, trying to do everything. So, I want to answer this as fully as I can, and I hope that the following suggestions will help you to move forward. Enjoy! For the show notes, go here: Dr Nikki x P.S. If you're interested in the $1 membership trial for 30 days, check out the details here: If you would like to submit a question, email me:
July 09, 2021
Episode 100: Who Is Dr Nikki? Emma Sutherland Interviews The Female Money Doctor
Hello! So 2021 is The Female Money Doctor's 4th Year of business, and in celebration, I invited Emma Sutherland of Shine Development Coaching to ask whatever she wanted.  In this episode she asks me about my money journey, why I started The Female Money Doctor community and some top tips to help you feel better about money RIGHT NOW.  I hope you enjoy this episode. I would love to hear from you! Send me an email: to let me know what you thought, and it would be awesome if you could leave me a review to help even more people find me. Here's to the next 4 years! Thank you so much for your amazing support. Nikki x P.S. If you would like to come and work with me in the Abundance Clinic Membership for just $1, go here to find out more:
July 02, 2021
Episode 99: The Financial Power Team - It's More Than A Financial Adviser
Hello! Money management help isn’t limited to using a financial adviser. There are also money coaches, financial planners, accountants/bookkeepers, lawyers, solicitors, will writers, accountability buddies, life/business coaches, and counsellors. There's a whole team of people that could potentially support you, and we’re going to look at some of these as a suggestion to help you throughout your money journey. It’s also important to ensure these people resonate with you and are in alignment with your goals and who you are so you can work seamlessly with them. Read more: Nikki x P.S. To find out more about the $1 trial, go here:
June 25, 2021
Episode 98: The Importance Of Having A Monthly Fun-Fund
Hello, We often neglect our own fun don’t we? I find it so easy to give to other people – but when it comes to spending on myself, I struggle. So I am proposing that you take a look at your budget and you make a little room in there for some fun of your own – have a listen of this episode and you’ll see what I mean. The show notes are here: Nikki x P.S. If you're interested in the $1 trial of the abundance clinic, go here:
June 22, 2021
Episode 97: Budgeting Apps To Try
Hello! There are many different budgeting methods out there, and what works for one person may not work for you. If you struggle with spreadsheets or writing things down and want the ease of using an app, I’ve put together a roundup of some budgeting apps you might like to try. For the show notes, go here: I'd love to know - if you use them, which budgeting app do you use? Nikki x P.S. For the $1 trial, go here:
June 18, 2021
Episode 96: The Emotional Ladder and How It Can Help You With Your Money
Hello! The concepts of The Emotional Ladder and the Choose Again method come from the book Super Attractor, written by New York Times Bestselling author Gabrielle Bernstein. In this book, Gabrielle openly refers to the Emotional Guidance Scale by Abraham-Hicks, where you can consciously lift yourself from a low mood to one where you feel a lot more positive. It’s a great way to help you to feel better when you believe there’s no reason for your funny mood, but you just can’t seem to shake it off. You know, when everything feels oppressive, or is annoying you? When you find that you’re snapping, and you’re having “one of those days”. What I really liked about the book is how it combines both methods to help elevate your mood so that you’re no longer stuck in a bad energy zone, where you might previously have struggled to feel good about what’s going on around you. Enjoy! For the show notes, go here: P.S. Go here to find out more about the brand new money mindset reset course:
June 11, 2021
Episode 95: The Financial Wellbeing Index – The Surprisingly Simple Idea That Helps You Be Better With Money - Interview with Steven Cameron, Pensions Director from Aegon
Hello! Today I wanted to share with you a fascinating piece of research from Aegon (pronounced, a-gon) that is looking into how confident we are about managing our money. It is so much more than the numbers! I interviewed Steven Cameron from Aegon about this research. Steven Cameron is Pensions Director at Aegon. He’s responsible for analysing future plans the Government or the financial regulators have for our pensions, savings and investments and helping shape these. You may well have seen him talking about these topics in the financial press. Right now, he’s taking an interest in how the Government will get the UK’s finances back on track post pandemic and what can be done to ensure people in the UK have a lifetime of financial security. If you prefer to read about this research, go here: To find out more, and to check your own wellbeing score, visit Aegon’s website: And to find out more about the research, go here: If you have any questions about the research, contact: Stephanie Melrose – PR Manager Aegon UK Until next time, Nikki x P.S. For The $1 Abundance Clinic Trial, go here:
June 04, 2021
Episode 94: Community Member Spotlight With Emma of Shine Development Coaching
Hello! Today I bring to you another awesome guest session. Emma is part of my abundance clinic membership and investing course, and she explains how being part of the community has helped her change her mindset around her finances. Enjoy! To find Emma, go to: To join the Abundance Clinic Membership $1 Trial, go here: Dr Nikki x
May 28, 2021
Episode 93: How Journalling Can Help You Get Organised
Hello! Journaling is a powerful habit to get into and can make it easier to manage all areas of your life, including money. It’s something I’ve integrated gradually over time, and while some methods don’t work so well for me, there are others that I’ve adapted and used for myself. Personally, I try to use some form of journaling every day, and I want to share my suggestions and resources with you so that you can integrate it into your life, too. Resources mentioned: My Healthy Money Planner: Marie Forleo's Planning Method: The Artist's Way Book Enjoy! Nikki x P.S. Here's the link to the $1 Membership Trial of my private members club
May 21, 2021
Episode 92: Grow Your Support Network Through Conscious Network Design
Hello! Being surrounded by people who can support you in all areas of your life is really important to help things flow more easily. It’s a concept I learned from Dr. Joanna Martin, founder of One of Many, called Conscious Network Design. It’s essential to have a network of people you can rely on for the day-to-day stuff; not simply when you’re faced with a crisis. Having this level of personal, practical support is just as important as being on top of your finances and having an emergency fund to get you out of a sticky spot. Examples might include support for promotions at work, or help looking after your children so that you and your other half can enjoy a much-needed date night together. Being alone is no fun and makes everything so much harder. That’s why it’s so important to have a strong network of people around you — and it’s best to get this network in place now. Who in your life right now is there to help you in all the different areas? Nikki x P.S. For help with all things money-mindset related, I’ll be opening the doors to my Money Mindset Reset course in just a few weeks’ time. This course will help you to lift the lid on your limiting beliefs and clear them so you can get on the path to wealth and abundance. If you feel stuck around money, or would rather do anything but sort your finances out, then this course is definitely for you. To be first to know when it’s opening, you can sign up here. There's no obligation to join me, it's just an invitation to find out more when it's available.
May 18, 2021
Episode 91: What The AF Is Cryptocurrency?
Hello!  In this facebook live replay, I interview John Dionysiou (The Anti Marketer) to explain what cryptocurrency is, and how you can start to research coins yourself to prepare to start investing in them.    Resources Mentioned:   John's Page:  Nikki's Quiz to find out your money personality: Udemy for cryptocurrency courses for beginners: Coin Gecko:  Nikki's Investing Course for stocks and shares fund investing: plus FREE ebook: See you soon, Nikki x
May 14, 2021
Episode 90: The Inner Critic And How To Befriend Her
Hello! Your inner critic is that voice inside your head that tells you, “You’re not good enough.” It’s the voice of doom, poised to tell you things are NOT going well for you right now. “You’re not clever enough to learn how to invest - you'll lose it all” “You’re too stupid ­­­— you’ll never be good with money. Your money management skills are RUBBISH.” This internal voice is YOUR voice. It’s your inner critic, and it’s mean. But why do you let yourself speak to you like that when you wouldn’t treat your friends in this way? Actually, your inner critic can be used to your advantage to help you grow, rather than to hold you back. This is something I’ve struggled with myself, but I’ve learned some tactics to “befriend” my inner critic and find out what’s going on. It’s not always easy, sometimes she’s in there before I’ve even noticed and she’s running the show, but it’s important to be aware so that we can get better at managing it. Enjoy the episode, and if you want to join the waiting list for the NEW money mindset rest course, click here to sign up and be notified when it's available. See you soon, Nikki x Join my members club here: (Use code TAKE10 for $10 off your first month)
May 07, 2021
Episode 89: How to Get Back on Track When it All Goes Wrong
Hello! A money journey isn’t a linear, straightforward path. It’s very unlikely you’ll wake up one day, decide you’re going to get out of debt, and be done with it in six months. Life isn’t like that; we’re not robots.  We face twists and turns, ladders and snakes, breakthroughs and dead ends. I speak from experience. I’ve taken three steps forward and five steps back. One to the left, five steps forward and three steps sideways.  Yep, I’ve been there. Dr Nikki x P.S. To join the Abundance Clinic, find out more here: (use code TAKE10 at the check out for $10 off your first month!)
April 25, 2021
Episode 88: Life Lessons Turning 36 - What Do I Wish I Had Known?
Hello! Today is my birthday and I love to reflect on how life is going for me, and where the next stage is heading. Getting older doesn't worry me, in fact, I've learned to embrace it, because as I get older, I learn more and I develop more as an individual. I feel more and more comfortable in my own skin and I can feel myself growing more confident everyday. But of course it has taken me going through some pretty rough things sometimes to learn these things about myself and to learn how to adapt. I'd like to share with you some lessons I have learnt in my 36 years, and my hope is that you can learn vicariously through my mistakes, rather than make them yourself, or if you have already made the same mistakes as me, feel better knowing someone else has done it too - you're not alone! Enjoy... For the shownotes, go here: Dr Nikki x P.S. To join The Abundance Clinic Membership, go here: - don't forget to use the code TAKE10 at the check out for $10 off your first month!
April 23, 2021
Episode 87: Feature Length Episode With Catherine Watkin - The 7 Steps For Successful Selling
Hello! If you are selling anything, and you feel "icky" about it, then Catherine Watkin is your lady! She is the UK's leading expert in selling from the heart, and knows all too well the struggles that authentic people have with selling.  So enjoy her pearls of wisdom, and if you would like to learn more about her 7 step process, sign up to her free mini course here. Until next time! Dr Nikki x P.S. For $10 off your first month of the Abundance Clinic Membership use code TAKE10, and to find out more to sign up, go here.
April 19, 2021
Episode 86: How Tracking Abundance Can Bring You More
Hello, Have you ever noticed how when good things come your way, more follows? If you want to attract more, it’s really important to start paying attention to all of the amazing abundance coming into your life. It’s a really interesting concept, and I think it really does help you to see what’s going on. And when you do it for the first time, it can be a real eye-opener. Here's how you can do it... And if you want to join my private members club, The Abundance Clinic Membership, while it's 50% off the first month, go here: See you again soon! Nikki x
April 16, 2021
Episode 85: Community Member Spotlight - Katie and her absolute faith and tenacity
Hello! I hope you enjoy Katie's interview, she is such an inspiration! Having come from a difficult background financially, she has worked through her limiting beliefs and is now doing amazing things in the world.  She shares with you some of her tips for how to do the same. The biggest take away for me was to never, ever, ever, give up! Enjoy! P.S. To access Katie's website and podcast Soulful Valley, go here:
April 12, 2021
Episode 84: Can You be Wealthy? How to Challenge Your Beliefs
Hello! How often do you tell yourself that you can’t have money? I'm not saying that you're doing it deliberately. But what’s interesting is that often when we think about people with money, or those who manage it well, our preconceived ideas distort the truth. While it’s not money related, a good example of this is from when I worked in the hospital, and I’d get asked when the doctor was coming. Usually, it was an older person who still believed that a doctor should be a white-haired man. I felt that because I’m female, it was always assumed I was the nurse. (There are also loads of male nurses, and I think all nurses are awesome and have supported me so many times over!) It's the same thing with money. If you have a preconceived idea about what a wealthy person looks like and you don’t fit that ideal, it’s creating a limiting belief that you cannot be wealthy or have money. It’s really worth getting a journal out here and having a good think about this, because it can bring up so many limiting ideas. And if you have got these sneaky beliefs cemented in your subconscious, it's no wonder you find it difficult to save, get out of debt or grow wealth. For the show notes, go here: And to join us in my private members club, The Abundance Clinic Membership, go here to find out more: Until next time, Nikki x
April 09, 2021
Episode 83: Community Member Spotlight - Semone and Her Amazing Alchemist Skills
Hello! In this episode I am interviewing one of my lovely community members Semone. She has an awesome money story to share and I hope you find it inspiring for your own money journey. If you'd like to join us both in the Abundance Clinic, my private members club, head over to this link to find out more: See you in there! Nikki x
April 05, 2021
Episode 82: What Is Manifesting?
Hello! What exactly is manifesting? It’s sometimes seen as a bit of a joke, where you’re wishing and praying for something that you want to drop into your lap. Actually, that’s not what it’s about at all. It’s about bringing something that you want into being. It’s about getting clear on what you want, taking the steps to make it happen, and making your dreams a reality. If you would like to take me up on the April Bonus Offer and Join The Abundance Clinic Membership, go here to sign up: Nikki x
April 01, 2021
Episode 81: My Top 10 Money Mindset Books Written By Women
Hello, Creating a healthy money mindset is easier when we’re inspired and guided by others, which is why I want to talk about 10 books that I think will really help you. What I really love is that these are all written by women. In my opinion, the more women that we have writing about their experiences and how we can create a better money mindset, the better. Some of these books are directly linked to money, while others are more focused on mindset which you can apply to anything in your life. A good mindset, an abundance mindset, or a growth mindset, all link to money regardless. Having a few of these in your library to refer to at any time will be invaluable to you. If you want to check out the show notes, go here: And for the abundance clinic, go here: Speak again soon! Nikki x
March 26, 2021
Episode 80: Community Member Spotlight - Johanna's journey to wealth and abundance
Hello! Today I present another community member spotlight - the gorgeous Johanna Small. She is a nurse based in South Africa, and is on a mission to help other nurses to get out of debt, build wealth, and feel better about their finances. Here main facebook group is here, and her nurses group is here. Her story is so inspirational, I hope you enjoy! Dr Nikki x P.S. Here is the link to find out more about the private members club, The Abundance Clinic Membership P.P.S. If you would like to be a future guest, and you're in my community, please get in touch!
March 23, 2021
Episode 79: 6 Reasons Why We Overspend
Hello, Overspending isn’t uncommon, but the first step to managing it is to understand why it happens. Our budget is there to support us, and to direct money where it is needed the most. There will be some months where the plan doesn't quite work, and it happens to everyone. As far as I'm aware, I don't think anybody can say they 100% stick to their budget every single month. There is always something that causes us to go off track. Here are 6 reasons why... For the show notes, go here: Nikki x Here's the link to join the abundance clinic membership:
March 19, 2021
Episode 78: Community Member Spotlight - Sharon and her path to debt freedom
Hello! This episode is a little bit different in that I am interviewing the gorgeous Sharon about her money journey. She has learnt so much from the female money doctor community, and has such a relatable story to tell. Here is a link to Sharon's blog, Thrift My Style: and her instagram is: I hope you enjoy!  Any feedback, comments or suggestions, plus if you are in my community and would love to share your money story, then please get in touch: Take care, Dr Nikki x P.S. if you would like help with your finances, head over to my blog:
March 16, 2021
Episode 77: Self-Limiting Money Beliefs And How To Bust Them
Hello! Self limiting beliefs are sneaky... we form them at a young age, and then they show up in all sorts of ways as an adult, sabotaging our money plans and taking us away from our goals and dreams. So what are yours? How do self-limiting beliefs impact you, and what can you do about them? If you want to check out 1:1 coaching with me, fill out the application form on this page: and I'll be on touch to help. Until next time, Dr Nikki x
March 12, 2021
Episode 76: Want to feel better about your money situation? Do this...
Hello! I have been running an exercise this week in my abundance clinic membership that is helping everyone to see where their negative beliefs might lie with varying income levels. It struck me that I have been focusing on "lack" through doing this exercise and not looking at what is already going well which keeps me feeling stuck. Perhaps this is the same for you too? Where do you feel struck with money? Perhaps you have debt? Or perhaps you have a lot of money and it keeps you feeling paralysed through fear of getting it wrong.  But having an attitude of gratitude around what is already going well in your life is so powerful, so here are my reflections on how you could integrate this powerful tool into your life. Nikki x P.S. To find out more about 1:1 coaching go here: or to try out the membership for the $1 trial, go here:
March 05, 2021
Episode 75: My 5-Step Daily Money Rituals
Hello! Is it bad to be checking your money on a daily basis? Actually, I think it’s essential. In a recent post, I wrote about the tasks I practice on a daily, weekly, and monthly basis, but I didn’t go into too much detail about the quick-check actions that I perform each day. And recently, I had a conversation with someone who asked me why I was doing these things every day. This person was worried that my actions were coming from a place of fear, and that this could show that I didn’t trust the universe, which in turn could block my flow of money and abundance. Respectfully, I disagree. Checking my money every day is not a fear-based practice but rather a quick, functional process to check my accounts and see what’s going on. These actions don’t need to involve any emotion, blame, or fear of what you might find. If anything, you’re looking after your money in the same way you would look after your loved ones. Checking in, making sure everything is in order. So, here’s a breakdown of the small tasks I do each day, to keep me on track with my finances. For the show notes go here: Until next time, Dr Nikki x P.S. Here's a link to the $1 trial
February 26, 2021
Episode 74: Important Money Tasks: How I Manage my Money Throughout the Year
Hello! From money chaos comes fear, and with it the seemingly impossible – yet unavoidable – task of sifting through your finances. So, you procrastinate, which is completely understandable! Let’s face it: when it’s in such a mess, how do you know what to do first? Getting some structure in place for your finances is essential if you want to bring order to the chaos. So, in today’s takeaway, I’m going to share with you how I manage my money throughout the year. If you find it takes a while to get used to doing this, or you feel that it seems to be taking forever, I can assure you that it will get easier with time. While I’m not perfect, I do know that committing to reviewing my finances every week definitely makes me feel in control and it will help you, too. For the show notes, go here: Enjoy! P.S. Here's the link to the $1 trial!
February 19, 2021
Episode 73: Money Tracking: The Top 5 Things You Need To Stay In Control
Hello! Something magical happens when you regularly track your money habits. Tracking allows you to see patterns where things might not be going as you’d like, and highlights where you need to take action. Because, instead of facing a financial mess, you’re laying a great foundation for your monetary future with positive, progressive, and smart changes. Today, I’m talking about the top 5 things I think are really important to track, in order to keep a nice, close watch on your finances. The Healthy Money Planner helps me to consistently track these things, but it doesn't really matter how you do it, as long as you do! For more show notes, go here. Until next time, Nikki x
February 13, 2021
Episode 72: Investing Booms and Busts (How Not To Be A Lemming)
Hello! This 10 minute takeaway is a portion of a facebook live I did recently with John Dionysiou - The Anti Marketer (he's on youtube with loads of business building advice, so make sure you check him out!).   Investing isn't scary, but people can lose money from investing in a place of FOMO and THIS is what makes investing scary.  Here's my take on the boom and bust cycle of investing.  If you understand it, then you'll know how to avoid making this "herd mentality" mistake in the future (unlike me, when I learnt the hard way with Bitcoin!!).   If you want to watch the full video that includes John's talk on what Bitcoin is, head over to my Facebook Group: The YouTube version of just this talk is here: And for the slides, go here: Until next time! Nikki x
February 05, 2021
Episode 71: Money Mindset Reframe - How Do You Feel About Tax?
Hello!  Now listen... I know tax can seem like such a bad thing. I know, because I've been there. I've had the big unexpected tax bill after underpaying tax for 3 years in the past. It sucks.  But what if you could learn to love it? Yes, you should only pay what you're due to pay, but why not love it at the same time? Listen to find out how... And to find out more about the $1 trial of the abundance clinic membership, go here: Nikki x P.S. To join my free facebook group, go here:
January 29, 2021
Episode 70: Is It Right To Charge For Your Services?
Hello! When it comes to building a business, charging for what you do is essential. However, it is not as simple as that! We fall prey to all sorts of outside influences, opinions and judgements that can seriously derail us. The key is to do what YOU feel is the best to do. YOU deserve it!  I'd love to know what you think... To book a 15 minute strategy call: To visit my shop: Nikki x
January 22, 2021
Episode 69: Is Fear Holding You Back?
Hello! What are you really scared of? Fighting just to keep afloat or treading water below the surface is a real indication that you’re not where you need to be financially. Your fear will keep you frozen in a state of paralyzed uncertainty, unable to find your way through. In this post, I want us to explore the factors that might be contributing to your money worries and look at how we can solve them. Book a 15-minute strategy call with me: Find out your unique money personality: Until next time, Nikki x
January 15, 2021
Episode 68: 3 Money Goals You Absolutely Need for 2021
Hello! No. More. Money. Worries.  Can you just imagine how that would feel, for a moment?  Being able to sleep at night and not feel sick from debt weighing heavy in the pit of your stomach. Imagine a feeling of ease and security, knowing how exciting and bright your future looks? Well, I want to help you get your finances back to good health, so I’ve put together these three money goals you absolutely should have for 2021. Go here for the show notes: Until next time, Nikki x
January 15, 2021
Episode 67: Denise Duffield Thomas And The Law Of Incremental Life Upgrades To Build A First Class Life
Hello! This is a VERY special episode where I interview Denise Duffield Thomas and she provides us with amazing wisdom of how we can improve our capacity for bringing more abundance into our lives using The Law Of Incremental Upgrades.  It's a Facebook Live replay, but you will certainly take a lot away from this feature length episode, so have your notebook handy!! For the shownotes, go here: Enjoy! Nikki x
January 08, 2021
Episode 66: 3 Books That Will Help You Accomplish ANYTHING This Year
Hello! Why Are These Books So Life Changing? Basically, if you apply the principles outlined in these 3 books, literally NOTHING will stop you achieving your goals. Book 1 explains how you have the ability to figure anything out; The second book shows you how to motivate yourself to take the actions you need to take; And the final book demonstrates how you can integrate habits into your everyday life. You may not apply EVERY idea to your own life, but all you need to do is take away a few things that can move the needle in a positive direction towards the thing that you want… whatever it may be (including money!). And at the end I'll explain how you could WIN a set of these books...  Go here for the show notes: Enjoy! Nikki x
January 01, 2021
Episode 65: Games to Teach Your Kids About Money
Hello! Knowing how to teach our kids about money in a fun and exciting way is really important to help them build a better future for themselves. So, I want to give you some tips about how you can help your children grasp the concept and value of money. There are so many great things you can do to help them, and really have some fun with it at the same time. Below are a few categories I want to touch on, to give you some ideas.  For the shownotes, go here: Until next time, Nikki x
December 25, 2020
Episode 64: The Importance of Celebrating Your Money Wins
Hello!  Celebrating small money wins can be really powerful when you’re on the path to your one big goal. For example, your big end goal might be the deposit for your first house, building a lump sum of money for your emergency fund, or paying off your debt. I often think the reason people give up is because all they see is a huge goal; an enormous mountain to climb. It can seem impossible. But actually, a big goal is just a number of smaller goals, broken down. When you look at it that way, you can easily achieve one small goal. Then another, and another. And before you know it, you’ve reached your vision. For the show notes go here: Until next time! Nikki x P.S. If you would like me to cover any topics, feel free to message me:
December 18, 2020
Episode 63: Does Your Thinking Pattern Need An Upgrade?
Hello!  In this episode, I talk about how our thoughts lead to our behaviours, and how this can be the very thing that sabotages us when it comes to money! Our personal financial history and patterns of behaviour can be very telling about where some of these sneaky money blocks can be. I also talked about the end of year survey (Dec 2020) and how you can get involved to WIN a HUGE hamper of goodies! For the show notes for the competition entry, go here: Nikki x
December 11, 2020
Episode 62: How I set my goals for the year ahead
Hello! The new year can make us acutely aware of how things went for us the year before. It can be a time of positive or negative contemplation. 2020 has not been a great year for so many reasons, but there is always the hope that a new year will bring on better things. Around this time of year, I like to think about what I would like to achieve in the next 12 months. I find it therapeutic, and I love the anticipation of what is to come. When I first started doing this, I wildly OVERESTIMATED what I could do in a year, and massively UNDERESTIMATED what I could do in 5. But with the best will in the world, no-one knew that the majority of our plans would be rammed off the road this year, so while planning is helpful, it also needs to be FLEXIBLE! For the show notes, go here: Take care, Dr Nikki x
December 04, 2020
Episode 61: Essential Insurances - Rent Wealth Before You Have Wealth
Hello! Cancer, depression and broken bones can stop you from doing your job. And I’m stating the obvious, but if you can’t work, you’ve got no money coming in. And when you have no money coming in, you can’t pay the bills, which can lead to debt — and further problems down the line. That’s precisely what happened to one of my patients, and why I want to discuss how it’s so important to put insurance in place. With the right insurances in place, you can ‘rent’ wealth, before you have wealth.  While it might sound dry and boring, insurance is something we should all have while building our wealth. Unless you come from a wealthy family, living without insurance means you’re leaving yourself vulnerable. You work hard every day, paying off debt, growing your savings, and building your investment portfolio. For the show notes, go here: Until next time, Nikki x
November 27, 2020
Episode 60: Money Loves a Plan and Will Reward the Future You
Hello! Can you imagine your beautiful dream home being built with no structure? It doesn’t take a genius to know that it would collapse. There would be no support system, no proper plan to make it last. The same goes for money. Money needs and loves a plan, so let’s look at how we can bring some structure to your finances. By getting your money organised, you can direct it where YOU want it to go. Here are my top tips for giving your money some structure so it can serve you better in the long run. For the show notes: Dr Nikki x
November 20, 2020
Episode 59: Protecting And Managing Your Money Through Divorce
Hello! Money and divorce is a HUGE topic, but it's such an important one, and definitely something to think about in every relationship (even if you're happy!). BUT, let’s just say you may have to deal with this one day. What will you do? What do you need to consider to make sure you don’t leave that relationship worse off than when you started?  Read the show notes here: Book a free 1:1 here: Until next time, Dr Nikki x
November 13, 2020
Episode 58: What Is Your Sacred Money Archetype ®?
Hello! The Sacred Money Archetypes® is an approach I absolutely love, and it’s why ultimately, I became a certified coach. When I first discovered the concept, I took a quiz to discover my own archetype through Denise Duffield-Thomas’ Money Bootcamp and her version of The Sacred Money Archetypes® course. It really helped me to understand more about myself and what was going on, and it enabled me to create a path to wealth that was unique to me. It really opened my eyes to how profound it all is. In fact, it had such a lasting impact on me, that this actually led me to become The Female Money Doctor. For the shownotes, go here: Until next time! Dr Nikki x
November 06, 2020
Episode 57: Investing In Your Most Important Asset – YOU!
Hello! This week's 10 minute session is all about investing in your best asset - YOURSELF! Even the awesome Warren Buffett has said that investing in yourself first is the best thing you can do. You learn, you build, you develop and as a bi-product of that, if you put what you learn into action, you uplevel your wealth and bring in more abundance to your life!  So do you invest in yourself? For the show notes, go here: And to book a 15-minute strategy call with me to help you in your next steps, go here: See you again soon! Nikki x
October 30, 2020
Episode 56: How To Invest in Property (no matter what your budget)
Hello! In this 10 minutes, I talk about property investing, and how you can get involved even without a huge deposit to buy one! It's amazing what's out there once you start looking around for the opportunities. For the show notes, go here: For a 15 minute strategy session with me to help plan YOUR next steps, go here: See you again soon! Nikki x
October 23, 2020
Episode 55: How To Manage Investing Risk
Hello! What do you think about when you see the word RISK?  It can conjure up all sorts of horrible images and thoughts right? It may even make you want to back. away. slowly. before running out the door!!  And you wouldn’t be wrong.  The work “risk” literally means: "the possibility that something unpleasant or unwelcome will happen".   Risk however needs to be put into context.   Listen for my take on investing risk!   Show notes:   Attitude to investing risk quiz:   15 Minute strategy session:
October 16, 2020
Episode 54: What's The Best Thing To Do With A Lump Sum Of Cash?
Hello! Let's say you've been given a lump sum of cash - perhaps an inheritence or a tax refund. What do you do with it?! This very question alone can be totally paralysing. In the end, you either do nothing, or blow it all on a holiday of a lifetime. But what if you could think about this logically, without emotion playing a role? It would be powerful stuff! It's amazing how strongly we can feel about money, particularly when we associate it with a big event such as the death of a loved one. So what'sthe best thing to do with a lump sum of cash? For the show notes: 15 Minute 1:1 Strategy Session: Until next time, Dr Nikki x
October 09, 2020
Special "Feature Length" Episode 53: Money And Relationships
Hello! Our relationships can be the BIGGEST influence on the way we handle money. I remember spending every penny I earnt when I went shopping with my friends every weekend. We always encouraged eachother to buy ourselves things, and in that kind of social circle, it's no wonder I ended up in so much debt in my 20s!! But what about your partner? Did you know that money is cited as one of the BIGGEST reasons why people divorce? In fact, it's number 3 on this list from 2016. It's why knowing your partner's money situation is so important upfront before signing on that dotted line! I spoke with one of my community members Natalie recently about this. It's really interesting how money is treated so differently within relationships.  In this "feature length" episode, I want to explore how you could tackle this to get you thinking about your money relationship together. For the show notes, go here: And to do the money quiz yourself, go here: Until next time! Dr Nikki x
October 02, 2020
Episode 52: Budgeting Strategies That Work!
Hello! If you’re anything like me – you’ll find budgeting hard. Its like fighting over a duvet that’s a little bit too small – there just never seems to be enough to cover your butt! For some people, they never go over the amount of money they have, so budgeting is not something they actively “try” to do. For others, they never seem to have enough. I believe though that creating a budget (or spending plan if you hate the b-word) is really the only way of being able to gain full control and awareness of your money. So what I’m really saying is, whether you love it or hate it, budgeting is essential, and I want you to find the method that works for you so that you stick to it and achieve your money goals! For the money planner go here: For the show notes, go here: Love, Nikki x
September 25, 2020
Episode 51: How To Get Out Of Debt For Good
Hello! Debt is unfortunately something that is extremely common and accepted as normal in our society. We’re encouraged to take out credit cards to build our credit scores and we’re bombarded with “buy now, pay later” messages all the time: why wait when can have what we want NOW? We take out loans to go to university, to buy houses, cars, furniture – you name it, we can usually get credit for it. It means we don’t have to go through the discomfort of delayed gratification like our grandparents and parents needed to – the first credit card only came to the UK in 1966!! So we get our first credit card (for me, it was when I turned 18 and was given one with my student account) and in an ideal world, we would be taught to pay it off in full every month, but what if that isn’t possible, or we choose not to? The debt then builds and we end up in a big fat mess – much to the bank’s delight. So here's my take on how to get out of debt FOR GOOD! For the show notes, go here: And for my downloadable ebook on how to get out of debt: Until next time, Nikki x P.S. Feel free to get in touch for comments, suggestions etc here:
September 18, 2020
Episode 50: 6 Tips To Help You Feel Motivated, Even When You Feel Like Quitting
Hello! In this episode I want to talk to you about motivation! Motivation is difficult to find sometimes, especially if it involves going out in the cold for a run, when all you want to do is curl up on the sofa with a blanket! Our intentions start off well, but as those dark nights creep in, it gets much harder to maintain! I think this is especially true if you’re doing something new for the first time, like trying to get out of debt or starting a new way to budget. Seeing results can take a while in both cases! Motivation will wax and wane - you won't always feel "on it", but here are some ideas for how to keep yourself on track as much as possible. It's ok if you fall off the wagon from time to time, but do your best to get back on it and keep working on those goals! For the show notes go here: For the money personality quiz, go here: Until next time! Nikki x
September 11, 2020
Episode 49: Be Money Savvy No Matter What Your Income!
Hello! When I started on my money journey, I was convinced that to ever have real wealth, I'd need to be either born into a rich family, or win the lottery. Since learning more about finance, I now realise what BS that is and how it's related to my own money-blocks and limited thinking. ANYONE can improve their financial destiny and become money savvy by employing a number of tweaks to their finances. And I really don't think it's that hard - and certainly not as hard as it's made out to be. Yes, having more money coming in makes things EASIER, and I'm certainly not going to pretend that people who rely on benefits/maternity pay can necessarily take ALL the advice that's given about personal finance, BUT, there is always something you can do to improve your financial circumstances. And be ok with the fact that you will need more TIME. So here are my tips for being money savvy no matter what your income! For the show notes, go here: Until next time, Dr Nikki x P.S. if you have a topic idea of would like to potentially be a guest, please email me:
September 04, 2020
Episode 48: 8 Key Takeaways - The NHS Pension For Absolute Beginners
Hello! The NHS pension causes A LOT of headaches for people, which is why I asked Medical IFA Sarb Chahal and Medical Accountant Tina Milligan to come into my facebook group to talk about it from a beginner's perspective. It was a LONG session!! I definitely think there is scope to do more on this though because it is such a huge topic! It's not just for doctors - this applies to anyone with an NHS pension. For the show notes, go here: Until next time, Dr Nikki x
August 28, 2020
Special "Feature Length" Episode 47: The Feminine Archetypes With Cheryl Douglas
Hello! In this extra -special 10-minute take-away, I speak with the AWESOME Cheryl Douglas about the Feminine Archetypes that she has created.  Our personality holds the KEY to how we manage money, life and everything! Once we figure out our strengths and challenges, we can then. ALIGN our personality with our path to wealth. It's such a powerful thing to learn about.  If you would like to find out which archetype you are, and learn about some other fabulous self-discovery tools, check out the show-notes here: See you next week! Dr Nikki x P.S. If you would like to comment, suggest a topic or be on the podcast, please let me know by sending me an email:
August 21, 2020
Episode 46: How To Improve Your Credit Score
Hello! Your credit score is a digital footprint of how you are with money. Banks use it to decide how "risky" you are to lend money too.  So do you know yours? And do you know how you could improve yours? Listen in and find out! The show notes are here: Love, Dr Nikki x Feel free to come into my free facebook group or email me if you have any comments or feedback:
August 14, 2020
Episode 45: How To Create An Abundance Altar
Hello! Do you feel like you're working SO hard, but everything you do feels like an effort and not helping you gain the results you want? Me too until I decided to embrance the universe and ask for help in all my endeavours. I have built up an abundance altar that helps me to appreciate the abundance I have already in my life, and to help bring in more. This episode is all about how you can do yours too! The show notes are here: Love, Dr Nikki x Feel free to come into my free facebook group or email me if you have any comments or feedback:
August 07, 2020
Episode 44: Your Money Journey – What To Think About At Every Life Stage
Hello! As with everything in our lives, when we get older, our needs change. Our money needs are no different, and what you need as a young adult may look very different to when you’re in your menopause. Our money journey may have started out in stress – but it doesn’t need to end in stress. No matter where you are on the path, you can redirect yourself and get back on the pathway to wealth. You can find the show notes here: Love, Dr Nikki x Feel free to come into my free facebook group or email me if you have any comments or feedback:
July 31, 2020
Special "Feature Length" Episode 43: Money Mindset Interview with Dr Joanna Martin
Hello! This is an extra special long interview with the most amazing woman - Dr Joanna Martin! There is SO MUCH GOLD inside this interview.   If you're someone who struggles with money, it's likely you have a money block or two. To be honest, we ALL have them, and if you think you don't, you just haven't found yours yet.  80% of managing your money is about dancing with the voice inside your head that is trying to put you off.  So sit back and enjoy the wisdom that is Dr Jo to uncover your own blocks and do something about them!   Free Wealth Insights Training 1st August:   For the show notes, go here: Enjoy!  Love Dr Nikki x P.S. Feel free to get in touch:
July 24, 2020
Episode 42: How To Future Proof Your Finances
Hello! Unless you've been living under a rock, you'll know how hard recent events have been for everyone - some more than others. Money in particular has been a huge focus for so many people, and not in a good way. If things have not quite gone to plan, then it can be really tempting to beat ourselves up with the "should ofs", "would ofs" and "could ofs". This is not helpful if this is all you do! (and definitely not good for your mental health) What you can do however is use this information to TAKE ACTION and get things sorted with your money, so that if anything like this happened again you'll be prepared. This is your time to getting around to doing those tasks that somehow never make it to the top of your "to-do" list. So here are a few ideas to get you started. And if you want the freebie I mention, go here: Love, Dr Nikki x Feel free to come into my free facebook group or email me if you have any comments or feedback:
July 17, 2020
Episode 41: Investment Scams – How To Spot One And Avoid Getting Stung
Hello! Scams are sadly part and parcel of modern daily living. It’s the reason why your bank is going to great lengths to stop you from spending money from your account without checking and double checking with you that what you are doing is a legitimate transaction. It happens all the time, and to people who think they’re switched on too! And it’s not your fault if you do get involved in a scam – these people are devious! With the online world ever-expanding and scammers getting more and more sophistocated, it’s not surprising. So let’s talk through what a scam might look like, how you can spot one, and ultimately keep yourself as safe as you possibly can. For the show notes, go here: See you next time, Dr Nikki x P.S. I love feedback, so if you have any comments, suggestions or queries, feel free to email me:
July 10, 2020
Episode 40: My Experience Of Building An Online Business
Hello! I can’t quite believe this, but The Female Money Doctor is now officially 3 YEARS OLD!!! For 3 years I have been writing about money, mindset and abundance thinking and that feels like quite a milestone to me. It's longer than some marriages!!! 3 years is the same length of time it takes to study a university degree, and I definitely feel like I have had university-level schooling in what it takes to be an online entrepreneur building a business. It’s not as simple as slapping up a website and expecting people to find you. I think if it was, then entrepreneurship wouldn’t be that exciting! Here’s a run-down of what I’ve learned in the hopes it will help you if you’re deciding to start a business like mine. For the show notes, go here: Lots of Love, Dr Nikki x P.S. If you'd like to get in touch to provide comments/feedback etc. then feel free to do so here:
July 03, 2020
Episode 39: 10 Rules For Successful Investing
Hello! Today I thought I'd share with you 10 rules for successful investing. It's not a scary process once you know the basics, and actually, if you follow the rules you will stay safer than someone who doesn't. I will stress that investing can mean you end up with less money than you put in, so make sure that you gain some education for this and learn how to do it properly. For the show notes, go here: The resources I mentioned are: The Pension E-Book - Ethical Investing - And if you would like to LEARN how to invest, drop me an email or send me a message on facebook or instagram! Lots of Love, and happy investing! Dr Nikki x
June 26, 2020
Episode 38: Ethical Investing
Hello! This episode was inspired by a member of my lovely community, so thank you for your suggestion! Ethical investing is becoming more popular than ever, and there is such a call for it now. We want companies to quite literally, clean their act up in the environment, support diversity and create positivity in our communities.  Go here for the show notes: Ethical investing is definitely here to stay, but it can be confusing - there are lots of different terms for how it is described! I have created a freebie download for you to use based on this episode: Enjoy!  Dr Nikki x P.S. If you would like to feedback, offer suggestions or just say "hi", then drop me an email:
June 19, 2020
Episode 37: The Pension Bar Top
Hello! In this 10 minute takeaway, I talk through retirement planning using a bar analogy - you won't have heard it spoken about like this before! Retirement planning doesn't have to be complicated when you realise that it's just like going on a bar crawl - just how many drinks can you handle?? Go here for the show notes: And because it's a huge topic for such a short space of time, if you want to read more, head over to this page for the freedownload: Take care, Dr Nikki x P.S. If you would like to feedback, make comments, suggestions or just want to say hi, feel free to do so through my email:
June 12, 2020
Episode 36: How Might Negative Interest Rates Affect You?
Hello! In this episode, I ponder what might happen if negative interest rates become a reality in our country - it has happened elsewhere so could be a thing! I certainly hope it doesn't happen, but if it does, it only lasts a short while. Here's the article I referred to if you'd like further reading: Who knows what the future might bring? Until next time, Dr Nikki x
June 04, 2020
Episode 35: 10 Tips I Have Learnt For Successful Manifesting
Hello! In this episode, I talk about 10 things I have learnt from the best at what they do. Manifesting is a handy tool to have in your armoury for wealth creation, but what is it, and how do you even use it?? Here are some of my favourite tips! And the show notes are here: Have fun with this - I think manifesting is what brings magic to money! Love, Dr Nikki x P.S. If you have any comments, questions or suggestions, drop them to my email here:
May 29, 2020
Episode 34: What's The Difference Between A Money Coach And A Financial Adviser?
Hello! I sat and pondered this question recently and thought I’d share my ponderings! I’m going to a lot more networking meetings, and it struck me that some people didn’t “get” what I did. I’m not an IFA (independent financial adviser), so what am I then? Here in this 10-minute takeaway, I discuss the differences to help you decide which one you might want to work with. For the shownotes, go here: And here's the freebie I mentioned: Enjoy! Dr Nikki x P.S. I love hearing from you, so feel free to drop me an email here:
May 22, 2020
Episode 33: How I Got A Fitbit For "Free"
Hello! I needed a stepcount watch-type thingy, and I decided that I was going to challenge myself to manifest it for free. So I used all my cash-back tools and made it happen! Here's how I did it..... And if you want the freebie I mentioned, go here: and the show notes are here: Good Luck! I can't wait to see what you "manifest"! Dr Nikki x P.S. If you want to come on as a guest or suggest a future topic, send me an email!
May 13, 2020
Episode 32: Are You A Good Money Leader?
Hello!  In this episode, I mull over the idea of being a good leader to money. It needs direction and purpose, otherwise it disappears off to someone else!  So.... how good a money leader are you? Here's the show notes: Love, Dr Nikki x P.S. If you have a podcast episode idea, or would like to be featured in a member spotlight, then feel free to get in touch:
May 08, 2020
Episode 31: Community Member Spotlight - Stephanie Stevenson-Ward
Hello! In this session, Stephanie talks about how her mindset around spending has completely turned around! She has found all sorts of amazing savings just by going through her bank statements. Her story is awesome and so inspiring! For some further information on how you can start looking at your budget like Stephanie has, go here: Lots of Love, Dr Nikki x P.S. If you have any questions or would like to be featured in a member spotlight, then send me an email:
May 01, 2020
Episode 30: What's The Difference Between Saving And Investing?
Hello! In this session, I'm answering a question I saw in a group I follow on facebook. The individual wanted to know what the difference was between saving and investing, so I thought I'd break down this question for you now.  And if you fancy reading the show notes for more detail, go here: Lots of Love, Dr Nikki x P.S. If you have any questions or would like to be featured in a member spotlight, then send me an email:
May 01, 2020
Episode 29: Community Member Spotlight - Hayley Misell
Hello! In this session, Hayley talks about how her money journey has been met with a lot of unexpected bumps and turns in the road! Her story is a real inspiration and serves as a reminder for all of us to prepare and plan for the expected unexpected events that happen in our lives. For some further information on building an emergency fund, go here: Lots of Love, Dr Nikki x P.S. If you have any questions or would like to be featured in a member spotlight, then send me an email:
April 17, 2020
Episode 28: How To Feel Better In Crazy Times
Hello! In times of overwhelm and stress, we can often feel depleted and find life hard to cope with. BUT, if we focus on the things we CAN do, instead of what we CAN'T do, it can really help calm the stress down. So here are 10 ways you can feel better in crazy times. For the show notes go here: Lots of Love, Dr Nikki P.S. Feel free to get in touch with me here:
April 09, 2020
Episode 27: Community Member Spotlight - Jill McGowan
Hello! This week I starting something new - community member spotlight sessions! Starting us off is the lovely Jill who has had an amazing career to date. She talks about the inspiration she has had to manage her own money and is starting to look at investing for her long term financial success.  To get in touch with Jill, you can email her: For "10 Investing Ideas You Probably Haven't Thought Of", go here: and for my bar-inspired freebie on planning for retirement, go here: Lots of Love, Dr Nikki x P.S. If you have any questions or would like to be featured in a member spotlight, then send me an email:
April 08, 2020
Episode 26: How To Invest In A Crisis
So you may have noticed that the markets have dropped lately - even if you aren't currently an investor you couldn't not have seen it! The news has been FULL of it! What I want to do in this post is hopefully make you feel more reassured that investing in a crisis is possible AND "do-able", you just need to remember the rules. For the show notes, go here: Enjoy! Dr Nikki x P.S. If you have any questions, come into my FREE PRIVATE Facebook Group: or send me an email:
April 03, 2020
Episode 25: Do You Have A Will???
So you’ve heard that having a will is a grown-up thing to have, but you’re not entirely sure how to even go about sorting one out (or even if you actually need one?). Then you go to buy a house, and the mortgage broker tells you that you need to sort one out, and they can help you do it…. …this is great! But before you do, let’s talk through a few things first so you don’t get your fingers burnt. And these testing times, it's more important than ever! For the show notes, go here: Stay safe, Dr Nikki x
March 25, 2020
Episode 24: What To Do With Your Money In A Crisis
We're living in some really uncertain times right now, and it can feel incredibly overwhelming and upsetting. So many sectors are being seriously affected by recent government recommendations, and this is putting a lot of people out of work. Money then suddenly comes to the forefront of everyone's mind, because for many people, working is the only source of income they have. It's a hard time to realise that having an emergency fund would probably have been a good idea. So I get it - I see this all the time working as a GP, and not just in the current climate. Illness strikes at ANY time and can turn someone's world upside down. But in chaos can come clarity, and actually, this is probably a really good time to evaluate your finances - particularly if you have nothing to do right now. These are my thoughts on how to handle your money in a crisis. Show Notes Take care of yourself out there, Dr Nikki x P.S. if you want to comment or ask a question, feel free to email me:
March 19, 2020
Episode 23: Building Healthy Habits To Last A Lifetime
Lately I've been obsessing over a book called Atomic Habits*, written by James Clear, and I want to share with you the points I've picked out that I think come in really useful to building healthy habits around money. Creating wealth is just a series of good habits built up over time. Equally, being broke is a result of a series of bad choices, or bad situations that led an individual into debt. It generally happens slowly - overspending, putting things on credit like cars or furniture, not prioritising saving, unexpected events etc, and one day you wake up and you're in £20,000 worth of debt. For the rest of the show notes, go here: For the budget prompter, go here:  Until next time! Dr Nikki x P.S. If you have any comments or wish to make suggestions for future episodes, let me know by email:
March 13, 2020
Episode 22: 6 Money Myths That Are Holding You Back
Money is one of those subjects that has a lot of "collective wisdom", but in reality, “common knowledge” can actually be holding people back from properly managing their money. Let's start unpicking 6 of them! For more show notes visit here: Until next time! Dr Nikki x
March 05, 2020
Episode 21: Where Am I Going Wrong With Money?
This post has been inspired by a question I received. Do you ever feel absolutely overwhelmed with money, and you feel that you can just NEVER get ahead?? Just when you think that you have some savings, BANG! Something happens, and then you have to take that money out again and your savings go down to £0 again. It's really easy to get completely dispondent. So, in this post, I want to talk you through some things you can do to start examining what's happening. For more show notes visit here: Until next time! Dr Nikki x
February 27, 2020
Episode 20: What Is Compounding?
A wise man once said that compounding is the 8th wonder of the world: “Compound interest is the eighth wonder of the world. He who understands it, earns it; he who doesn’t, pays it” – thought to be Einstein But what exactly is compounding? This is what I like to call: “money making money babies”. For more show notes visit here: Until next time! Dr Nikki x
February 21, 2020
Episode 19: The Cashflow Quadrant
One of my favourite authors writing about money is Robert Kiosaki. In fact, the first book I ever read was Rich Dad, Poor Dad*. It really opened my eyes to what was possible in life when it came to money, and it sparked my interest in this topic. A while later, I read another of his books, The Cash-Flow Quadrant* and I realised that building wealth involved needing to transform what I was doing with my money long term and how I was making money too. Many people think is that they need to go self-employed to make money. This is partially true, but it is the way that you do it which holds the biggest key to success (and less stress!). I’m going to talk through what I have learnt from this book, and perhaps you’ll want to check it out and read it yourself too! For more show notes visit here: Until next time! Dr Nikki x *affiliate links
February 06, 2020
Episode 18: Get Your S*** Together!
Before you even get started with tracking and budgeting, it helps to have your hand on EVERYTHING you might need – this includes old pension statements, your income, bank log in details…. all of this is useful when controlling your finances. You’ll feel like a rockstar if you put this together!! For more show notes and the resources mentioned, visit here: Until next time! Dr Nikki x
January 17, 2020
Episode 17: How To Fall In Love With Money Again
So while the love of money itself is not particularly helpful, the love of what money can do for you is! If you don't pay attention to money then it will run off and go visit someone else [insert your favourite shop here]..... So if you want money to stick around more, here is what you can do. For more show notes and the resources mentioned, visit here: Until next time! Dr Nikki x
January 10, 2020
Episode 16: How To Make Saving Money Fun!
Saving money is not up there on the 10 ten list of what is fun in life is it? Saving money is repetitive, it’s boring and it’s slow. But what if we made it more fun? I am NOT a natural saver, so I need to do things to help me stay the course when it comes to saving. So I use fun challenges and games to make saving money fun for myself….. otherwise I wouldn’t be able to do it. Here are my tips! For more show notes, visit here: Until next time! Dr Nikki x
December 29, 2019
Episode 15: What To Consider When Choosing A Current Account
Recently there have been some questions in the Facebook Group about bank accounts and which ones are the best ones.  This is a *really* hard question to answer because like the world of personal finance and how you manage your money, your choice of bank account is personal!  So rather than say which ones I think are the best, I'll share with you what I think you should look for in a good bank account and what sort of features are important!   Then the choice is yours....   For more show notes, visit here: Until next time! Dr Nikki x
December 05, 2019
Episode 14: The spiral of change
Change is scary - but there is a predictable way to see where you are in the process. This is my take on the cycle of change, and how you can use it. For the shownotes go here: Dr Nikki x
November 21, 2019
Episode 13: Comparisonitis
We all do it, but to what extent does it affect your money? The show notes are here: Until next time, Dr Nikki x
November 19, 2019
Episode 12: Procrastination
Are you struggling with moving forward with your money due to procrastination? Here are the show notes: Until next time, Dr Nikki x
November 19, 2019
Episode 11: Covering Yourself In An Emergency
Emergencies happen all the time - and they are costly!  Do you have an emergency fund? Dr Nikki x
November 19, 2019
Episode 10: Debt vs. Investing
Whether to pay off debt first before starting to invest has been a conundrum for so many people! I had the same question when I first started properly taking care of my money – the finance books said yes, pay off the debt first, then you can focus on saving and investing. Go here for the show notes: Enjoy! Dr Nikki x
November 19, 2019
Episode 9: Financial Abuse
We have all heard of domestic abuse – and this conjures up images of women with bruises and scars to most minds. But domestic abuse is so much more than this. Not only can it affect men too, but it can also extend beyond the physical and the emotional. The show notes are here: If this affects you, then please get some help via an organisation like Women's Aid. Dr Nikki x
November 19, 2019
Episode 8: Investing Without The Faff
Have you ever thought about investing, but then looked at the financial times and felt absolutely overwhelmed? Yep, me too….and when I learned about index trackers, I realised that I had discovered a way to invest WITHOUT all the faff around researching companies and trying to time the market. Here are the show notes! Until next time, Dr Nikki x
November 19, 2019
Episode 7: Take Care Of The Pennies And The Pounds Will Take Care Of Themselves
Money is not exciting. What money can buy CAN be exciting, especially if you’re ticking off that bucket list. Money itself is boring. If you’re managing it well, it really is boring! The only excitement I get is seeing my savings increase over time, or my debt being paid off bit by bit. The reality of good money management is not to get caught up in the “get rich quick” type of projects. More money definitely does not solve everything in your life, although it can certainly help to get out of debt and to live comfortably and healthily. The show notes are here: Dr Nikki x
November 19, 2019
Episode 6: My Favourite Money Tech To Help You Organise, Save And Invest
I love fintech - and the market for this in the UK is EXPLODING!! Here I talk about some of my favourites, but I'll sure I'll need to update it again soon. There's always something new happening. I hope you find it useful - which one will you try? Dr Nikki
November 19, 2019
Episode 5: When Did You Last Think About Retirement?
Retirement - it's something we all want to do one day! So are you preparing for yours yet?? Here are the show notes: Enjoy! Dr Nikki x
November 19, 2019
Episode 4: Should You Get A Credit Card?
Credit cards are so easy to get now - I can't tell you how mad it makes me!! There isn't anything wrong with having one, the issue I have is that there is no education that comes with getting credit cards. So here's my take on, and here's the show notes: Enjoy! Dr Nikki x
November 19, 2019
Episode 3: Triggers and Blocks
We all have money triggers and blocks that need addressing - it's amazing how these unconscious beliefs quietly sabotage our efforts.  To have a look at the show notes, visit this link: And for further reading on 6 blocks you might have going on in your life, take a look here: Until the next 10 minute takeaway! Dr Nikki x
November 19, 2019
Episode 2: Pensions and Consolidation
For the shownotes, head to: My *FREE* guide to pensions e-book is here: Dr Nikki x
November 19, 2019
Episode 1: Introduction To The Money Medicine Clinic
My name is Dr Nikki Ramskill and I’m a real life GP. I decided a few years back to make some big changes in my money life, because I was sick to death (ha ha no pun intended!) of not feeling like I ever had any. I come from a working class background, and worked hard to get a good job so I could have the lifestyle of my dreams. I wanted it all – clothes, shoes, a house, a car, travel around the world, and above all, to retire in style “some day”, living life one cruise to the next. My parents are generally quite frugal people – but as a teenager I didn’t want to be like that. I wanted to do and be and have whatever I wanted, whenever I wanted it (which was usually NOW!). I ignored their sage advice to “never get into debt” and “save for a rainy day”. This got me into heaps of trouble through my university years. I also made the classic mistake a lot of women do of giving all my money away to my then partner. I barely remember what my first ever paycheck as a doctor was spent on, and through my own apathy, I had absolutely no idea how the money was budgeted every month. I just let him deal with it. Consequently, when I decided to walk away from the relationship, I lost everything except my clothes and makeup (phew!). My flat, my fur-babies, my money. All gone. I felt so much guilt for being the evil ex-girlfriend that I even paid more money to cover the mortgage payments for a few months, pay off joint debts we owed, and gave back my engagement ring. Its safe to say that my late twenties were spent living with my parents and saving (badly) for a flat of my own, plus racking up debt to go on holidays and buy things I wanted, just because I wanted to and I was a free agent again. But now I’ve gone from being someone who doesn’t save or invest, to someone who saves and invests regularly AND has money left over in the bank at the end of a month. I created a lot of debt in my 20s, but I’ve now put in place a plan to get rid of this too. Do you want to know how I did this?As a doctor, I can see the burden people carry. The worry, the stress and the shame, all due to poor money management. And its not your fault! I don’t remember being taught how to use money wisely at school. Do you? You’re also NOT ALONE! ● 4 out of 10 adults in the UK are not in control of their finances ● 4 in 10 have less than £500 savings to cover an unexpected bill ● Around 25% normally revolve a credit card or have used high-cost short-term credit in the last year I therefore decided to use my knowledge to help others make changes too. We could all have a much better standard of living if we followed some keys rules to manage our money properly. You don’t have to be making tonnes of money every year to do this either. It all comes down to how you spend your money and how you think about money. My mission is to help women make more empowered decisions about money by letting you learn first hand from MY mistakes (trust me I’ve made them all). We are becoming a stronger player in the world of work, and along with that, we are commanding better salaries (although there is still a long way to go on this). We have the power to change the world around us, not only for ourselves, but for our families too. You just need to learn a few simple tricks and tips to do this and practice regularly. So follow me and my blog for help, clarity and guidance around money. I will aim to do this in a realistic and amusing way, because money has enough of a stigma as it is without it being BORING too! So lovely, you’re worth it, and your money is worth it. So lets get moving and improve your finances STAT! Dr Nikki x
November 19, 2019