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

The Breaking Financial Chains Podcast is a education podcast hosted by Tanya Ibberson, with 64 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Tanya Ibberson hosts The Breaking Financial Chains Podcast, a education show with 64 episodes published.

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  The Breaking Financial Chains Podcast

  5 Quiet Checks That Show How Financially Prepared You Really Are

  Sep 16, 202623 min

  Your Financial Safety Plan. If your circumstances changed unexpectedly tomorrow, would you know where to start with your money? Tanya Ibberson walks through a calm, practical five-step plan for understanding your own financial picture, so that if life ever shifts, you're not starting from zero. This isn't about expecting the worst. It's the same thinking as insuring your home: quiet confidence, built one small step at a time. In this episode: • Why not knowing makes money worries feel bigger than they are • Five steps: know your financial picture, know where your information lives, know what money you can access, build your people plan and build capability • The difference between privacy and secrecy when couples share money • Tanya's own experience, and what she wishes she'd known sooner • The five-question "Could I" check-in you can do tonight Your reflection question: If my circumstances changed unexpectedly tomorrow, which part of my financial life would I feel least prepared to handle? And what is one safe, practical step I could take to understand it better? Chapters: 00:00 Welcome and what this episode is really about 01:10 Planning for what you hope never happens 02:25 Why this applies to everyone 02:50 Information isn't confrontation 03:30 Why not knowing makes everything feel bigger 04:50 Step 1: Know your own financial picture 06:25 Step 2: Know where your important information is 07:55 Step 3: Know what money you can access 09:25 Privacy vs secrecy in relationships 10:50 Tanya's story 14:10 Step 4: Build your people plan 15:20 Step 5: Build capability, not just cash 16:20 What if you don't like what you find? 18:25 The "Could I" check-in 19:40 An options plan, not a panic plan 22:15 Your reflection question Mentioned in this episode: • Tanya's episode on What If funds: https://youtu.be/ma3lykDr1Sc • How to Build Financial Options When You Feel Trapped: https://youtu.be/eXAV8-bTGIA • Checking your credit report: Experian, Equifax and TransUnion all let you see your own report. Checking your own file doesn't affect your credit score. Signing up does create an account with emails and app notifications, so think about who else can see your inbox or phone. About Tanya: Tanya Ibberson is a Chartered Certified Accountant, financial confidence coach and a specialist in financial control and economic abuse. She knows from personal experience that financial knowledge alone doesn't protect you from it. Get in touch: tanya@financialwingwoman.com If anything in this episode felt familiar, you don't have to work it out alone. UK support: • National Domestic Abuse Helpline, run by Refuge: 0808 2000 247 (free, 24 hours) • Surviving Economic Abuse: survivingeconomicabuse.org • Women's Aid: womensaid.org.uk • Samaritans: 116 123 (free, 24 hours) If you're worried someone else can see your device, consider using one they can't access. Many support websites have a quick-exit button. This episode is general information, not personal financial or legal advice. #MoneyConfidence #FinancialIndependence #MoneyMindset 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. #FinancialAbuse #FinancialFreedom #WomenEmpowerment #MoneyMindset #BreakingFinancialChains #FinancialControl #PersonalStory #PodcastLife #FinancialIndependence #ThinkMedia

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  The Breaking Financial Chains Podcast

  The Default Parent: The Money Load No One Sees

  Sep 8, 202632 min

  Somebody in your house knows when the PE kit is due, which child has outgrown their shoes and when the school trip needs paying for. It probably isn’t both of you. In this episode Tanya Ibberson looks at what that invisible work actually costs, and why it belongs in a conversation about money at all. The default parent doesn’t just do more tasks. They carry the mental database for the entire family, and your capacity to earn is tied to the capacity you have left. What we cover: · The difference between doing a task and owning one, and why "just tell me what needs doing" leaves the load exactly where it was · How small career compromises compound over ten or fifteen years, in the same way interest on debt does · "You’re better at it": responsibility disguised as a compliment · Who the default money parent is in your house, and why it isn’t always the higher earner · What changes in someone’s financial behaviour when they finally run out of capacity · The Family Capacity Audit, a five-step conversation you can run at home · Why spending £1,200 a year can be the financially sensible decision This isn’t about keeping score and it isn’t about splitting everything down the middle. Fair doesn’t have to mean equal. It does have to be visible. Chapters 00:00 The questions only one of you can answer 02:17 Why this is a money issue 04:36 Capacity is the cost nobody bills for 06:54 Two hours available is not two hours of thinking 09:10 Compounding works in both directions 11:27 "You’re better at it" and the trap inside it 13:50 Owning versus helping 16:16 What happens when the default parent burns out 18:33 The resentment nobody names 20:55 The Family Capacity Audit 25:32 When spending money is the sensible decision 27:54 The legacy you are actually leaving 29:51 Your reflective question A question to sit with this week. If every invisible task you carry for your family suddenly became visible, what would surprise you most? And what is one responsibility you could share, simplify or let go of? Tell me in the comments. I read them. Subscribe for a new episode every week. More from Tanya at financialwingwoman.com ABOUT BREAKING FINANCIAL CHAINS Breaking Financial Chains combines practical financial guidance with psychological insight to help you build financial confidence, whatever your starting point. Hosted by Tanya Ibberson, a chartered certified accountant with 28 years in practice and a financial coach. The show covers money mindset, financial confidence, family money conversations and rebuilding financial independence, including recovery from financial control and economic abuse. 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. #FinancialAbuse #FinancialFreedom #WomenEmpowerment #MoneyMindset #BreakingFinancialChains #FinancialControl #PersonalStory #PodcastLife #FinancialIndependence #ThinkMedia

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  The Breaking Financial Chains Podcast

  What Your Daughter Learns About Money by Watching You

  Sep 2, 202640 min

  We teach our daughters to swim and to cross the road. Then we send them into adult life without ever teaching them that their money is theirs to understand. Financial education usually stops at the mechanics. Bank accounts, payslips, tax, saving, interest, debt. All of it necessary. None of it enough, because financial education also has to include agency. In this episode Tanya makes the case for financial boundaries as a life skill rather than a money skill, and shows what teaching them actually looks like at fourteen, at twenty-one and at forty. Why early praise for being helpful and generous can quietly become self-abandonment. Why the teenage years are the cheapest training ground your daughter will ever get. How to raise financial awareness inside a relationship without it landing as an accusation. And why not understanding something financial has never meant you're bad with money. It closes with a five-part framework: know, ask, pause, protect and choose. This week's reflective question: if your daughter learned financial boundaries entirely by watching you, what would she learn? And is there anything you'd want to model differently from today? Tell me in the comments. Chapters 00:00 The lesson that never makes the list 02:25 The life skills we teach on purpose 04:41 Financial education is bigger than money 07:08 How girls learn to give 09:26 Generosity or obligation, and how to tell 11:53 Why the teenage years are the safest practice ground 14:16 Three jobs and the wrong tax code 16:42 What to actually check on a payslip 19:01 "I don't understand" is not "I'm bad with money" 21:23 Financial agency inside a relationship 23:48 You can trust someone and still read the contract 26:10 When love and money get tangled up 28:25 Noticing pressure without learning to fear relationships 30:46 Preparing daughters who earn well 33:10 The five boundaries framework 35:21 Capability as the real inheritance 37:38 Closing thoughts and your reflective question A note before you listen. This episode touches on financially controlling relationships and on Tanya's own experience of one. If that's close to home for you right now, please take it at your own pace. Support is available and free: Surviving Economic Abuse (survivingeconomicabuse.org), Refuge on 0808 2000 247, Women's Aid (womensaid.org.uk) and Samaritans on 116 123. Everything discussed here is general education, not regulated financial advice. For decisions about your own circumstances, please speak to a qualified adviser. About the show. Breaking Financial Chains combines practical financial guidance with psychological insight, for anyone rebuilding financial confidence. Host Tanya Ibberson is a chartered certified accountant with 28 years in practice, a financial confidence coach and the founder of a charity supporting people recovering from financial abuse and economic control. #FinancialBoundaries #MoneyMindset #RaisingDaughters 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. #FinancialAbuse #FinancialFreedom #WomenEmpowerment #MoneyMindset #BreakingFinancialChains #FinancialControl #PersonalStory #PodcastLife #FinancialIndependence #ThinkMedia

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  The Breaking Financial Chains Podcast

  You're Not Bad With Money. You're Exhausted.

  Aug 26, 202621 min

  Impulse spending, avoiding your banking app, putting off every money decision. Often that isn't a discipline problem. It's an empty tank. Tanya Ibberson has spent years watching capable people make money decisions they would never make when rested. Not because they lack knowledge, and not because they lack willpower, but because they are running on empty. In this episode she takes the mechanics of budgeting and points them somewhere else entirely, at your own capacity. You already know how to budget money. Income, expenses, investments, debt. This episode walks those same four categories through your energy instead. Capacity income is whatever genuinely puts something back. Capacity expenses are what draws the account down. Capacity investments pay you back with interest. Capacity debt is what you borrow from tomorrow to get through today. Tanya also explains why she keeps an eye on her heart rate variability, and why she treats it as a dashboard warning light for a nervous system that is close to overdrawn. This one is for you if you are exhausted and overwhelmed and cannot work out why the money side of life feels so much harder than it should. If you earn well and still can't face opening your banking app. If the business is growing faster than you are sleeping. If you have no energy or motivation left by the time the admin comes round. Burnout, decision fatigue and brain fog show up in your bank statement long before they show up anywhere else. Tanya works through three patterns she sees again and again. The high earner who keeps postponing the financial admin. The business owner whose growth is outrunning their sleep. And someone making significant legal and financial decisions during one of the hardest periods of their life. Then she counts what gets paid later: late fees, default charges, credit damage and the opportunities that quietly pass by. None of this is about doing less. It is about the fact that a rested version of you makes better decisions with money, and better decisions compound. Building wealth is a marathon, and nobody runs a marathon on an overdrawn account. Here is your reflective question for the week. Journal on it, or turn it over on a drive or a walk. "If my nervous system had a bank statement, what would it reveal about my current balance? And what is one thing I could do this week to help it get back into balance? To make a deposit instead of another withdrawal." Tell me your answer in the comments. I read them. CHAPTERS 00:00 The idea: your nervous system has a budget 01:14 Budgeting money against budgeting capacity 02:28 When a money problem is really a capacity problem 03:47 HRV as a dashboard warning light 05:42 Making big decisions from an overdrawn account 06:20 Three people, one pattern 10:06 The hidden costs we pay later 12:40 Build your capacity budget: income and expenses 15:19 Capacity investments and capacity debt 17:01 Why this matters for building wealth 18:01 What changes when capacity comes back 19:54 Your reflective question this week A NOTE BEFORE YOU LISTEN This episode includes a personal story about money being used as a means of control, and it may land close to home for some people. If any of that sounds like your life right now, you are not overreacting and you are not on your own. There are people who understand this specific thing and who will talk it through with you. Refuge, National Domestic Abuse Helpline: 0808 2000 247, free, 24 hours a day Surviving Economic Abuse: survivingeconomicabuse.org, and the CEDEAS Helpline on 0808 196 8845, freephone, weekday daytimes Women's Aid: womensaid.org.uk Samaritans: 116 123, free, any time LINKS The what-if fund episode, Why Most Financial Emergencies Aren't Emergencies: https://youtu.be/ma3lykDr1Sc Website: www.financialwingwoman.com Instagram: www.instagram.com/thefinancialwingwoman LinkedIn: www.linkedin.com/in/financialwingwoman Facebook: www.facebook.com/thefinancialwingwoman Email: tanya@financialwingwoman.com ABOUT THE SHOW The Breaking Financial Chains Podcast is hosted by Tanya Ibberson, the Financial Wingwoman. Each episode takes on the part of money that does not fit on a spreadsheet: the mindset, the capacity and the confidence sitting underneath the numbers. Tanya works with women rebuilding their financial independence, including those recovering from financial abuse, economic abuse and coercive control in a relationship, and she brings her own experience of that to the work. This episode is about mindset and capacity rather than specific financial products, and nothing in it is regulated financial advice. For decisions about your own circumstances, please speak to a qualified adviser. #Burnout #MoneyMindset #FinancialWellbeing 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. #FinancialAbuse #FinancialFreedom #WomenEmpowerment #MoneyMindset #BreakingFinancialChains #FinancialControl #PersonalStory #PodcastLife #FinancialIndependence #ThinkMedia

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  The Breaking Financial Chains Podcast

  Why Most Financial Emergencies Aren't Emergencies

  Aug 18, 202622 min

  The boiler breaks. The car needs repairs. The tax bill arrives on exactly the date it has arrived on for years. We call these emergencies. Most of them aren't. They're inconvenient, they land at the worst possible moment, and they're almost entirely inevitable. Which leads to the reframe at the heart of this episode: the problem is not the boiler. The problem is that there was no buffer between the event and the crisis. And unlike the boiler, the buffer is something you can build. In this episode: • Why most financial emergencies are predictable rather than surprising • The same £1,000 car repair experienced by two different people, and what actually separated them • The hidden cost of having no buffer, in anxiety, missed opportunities and mental load • A four-step framework: start small, name it, automate it, protect it • What children learn from watching how the adults around them handle a setback As Tanya puts it: true financial confidence isn't believing nothing bad is going to happen. It's knowing that when it does, you're able to handle it. You want to be in a position where you can stay if you want to, but not because you can't afford to leave. Reflective question: If an unexpected £1,000 expense landed in your life tomorrow, how would you feel? And what is one small step you could take this month to feel more prepared? ⏱️ Chapters 00:00 Which emergencies are actually emergencies? 02:07 There is nothing more certain than uncertainty 03:00 Why stability comes before investing 04:24 Why we avoid building a buffer 06:00 Person A and person B: the same £1,000 bill 08:00 The hidden cost of having no buffer 09:16 Tanya's own experience of being without one 11:59 Step one: stop thinking in huge numbers 13:18 Step two: name the fund 14:30 Step three: automate it 15:39 Step four: protect it 17:57 What this teaches the next generation 19:00 Closing thoughts and your reflective question Support This episode touches on financial control and on being unable to afford to leave a relationship. If that's your situation, you don't have to work through it alone. 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. #FinancialAbuse #FinancialFreedom #WomenEmpowerment #MoneyMindset #BreakingFinancialChains #FinancialControl #PersonalStory #PodcastLife #FinancialIndependence #ThinkMedia

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