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The Breaking Financial Chains Podcast
Are you tired of feeling anxious about money despite working hard? Do you avoid opening bank statements, feel trapped by financial decisions you don't understand, or struggle with someone else controlling your access to money?
You're not alone.
Join chartered accountant and financial coach Tanya Ibberson for Breaking Financial Chains – the podcast that combines practical financial guidance with psychological insights to help you transform your relationship with money and recognise when others are using money to control you.
Unlike traditional finance podcasts that focus only on the numbers, Tanya understands that financial freedom isn't just about budgets and spreadsheets. It's about healing emotional barriers, breaking unhealthy patterns, recognising financial abuse, and overcoming the shame that keeps us stuck. Whether you're dealing with a controlling partner who monitors every penny or simply need to understand the warning signs of financial coercion, this podcast provides crucial insights for protection and recovery
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Whether you're a successful professional who secretly struggles with money management, someone experiencing or recovering from financial control in a relationship, or ready to break free from generational money patterns, this podcast offers a safe, non-judgmental space to learn, heal and grow.
Each week, through solo episodes, expert interviews and transformation stories, you'll discover practical tools and emotional support to help you build genuine financial confidence and independence. Because financial empowerment is possible for everyone – regardless of your starting point or past experiences.
Remember: financial freedom isn't just about the numbers – it's about breaking the chains that hold you back from living a life aligned with your values.
The Breaking Financial Chains Podcast
How to Create a Monthly Financial Check-In | Breaking Financial Chains Ep.48
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Financial peace doesn't come from one big "get my life together" moment. It comes from boring, consistent awareness.
In this episode of Breaking Financial Chains, I walk you through exactly how to set up a monthly financial check-in that actually works. Not a three-hour spreadsheet marathon. Not a guilt trip. Just a regular, manageable appointment with your financial life that builds clarity, calm and confidence over time.
Most people don't have a money problem, they have a money visibility problem. They don't know exactly what's coming in, what's going out or where things are quietly drifting. And that uncertainty is expensive, both emotionally and financially.
This episode gives you a practical checklist you can start using straight away, plus the mindset shifts that make it something you look forward to rather than dread.
In this episode, you'll hear about:
- Why most people avoid financial check-ins (and how to change that)
- The difference between reacting to money and leading it
- What to include: income, spending, upcoming expenses, savings and debt
- Why an emotional check-in matters just as much as the numbers
- How to make your check-in feel like a ritual, not a punishment
- Common mistakes that derail people (overcomplicating it, only checking when things go wrong, using it as a stick)
- Why confidence comes from clarity, not from having more money
- How to turn this into a family habit and strengthen your financial partnership
- Why you don't need to be "good with money" to start
Today's reflective question: If I gave myself 30 minutes this month to check in with my money, what would I most need to look at first?
Breaking Financial Chains is a podcast combining practical money guidance with emotional healing to help you break free from financial limitations. Hosted by Tanya Ibberson, your financial wingwoman.
Chapters
0:00 - Introduction: creating a monthly financial check-in routine
0:29 - Welcome to Breaking Financial Chains
0:36 - Sometimes you just need a checklist
1:20 - Financial calm doesn't come from avoidance
1:44 - You don't have a money problem, you have a visibility problem
2:17 - Reacting to money vs leading it
2:54 - Financial peace comes from consistent action
3:36 - How small steps rewrite your money stories
4:12 - Why do people avoid financial check-ins?
5:26 - A check-in is not a punishment, it's self-respect
5:36 - What a financial check-in actually is
6:41 - What to include: income review
7:23 - Spending review: where did your money actually go?
8:23 - Upcoming expenses and avoiding being blindsided
9:36 - Savings, goals and debt reduction
10:27 - The emotional check-in: how did money feel this month?
11:29 - Making it a ritual (not a chore)
12:11 - If it feels like shame, you'll avoid it
13:06 - Common mistakes: only checking when something is wrong
13:45 - Common mistakes: making it too complicated
14:02 - Common mistakes: using it as a stick to beat yourself with
14:55 - Why this changes confidence
15:38 - Someone with average income and strong awareness vs high income and chaos
16:10 - The monthly check-in builds self-trust
17:10 - Make this a family habit
18:12 - Money should live in communication, not secrecy
19:01 - Key takeaways
19:28 - You become good with money by paying attention
20:08 - Reflective question
20:43 - Outro
Useful Links
Website: www.financialwingwoman.com
Email: tanya@financialwingwoman.com
LinkedIn: www.linkedin.com/in/financialwingwoman
Instagram: www.instagram.com/thefinancialwingwoman
Facebook: www.facebook.com/thefinancialwingwoman
If this episode brings up difficult feelings, please reach out to appropriate support services in your area.
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