Brilliant with everyone else’s money, and then yours comes along and you go all wobbly?

You can run the household budget, stretch the grocery money to the last cent, look after the kids, check in on your ageing parents and balance the books at work. Then a refund lands in your account and your first instinct is to hand some of it back.

Welcome to the money worthiness gap. It’s one of the most common money patterns, and it costs real dollars.

In this episode of My Happy Money Journey, Phoebe Blamey, bestselling author, former mortgage broker and business coach, unpacks why so many capable women struggle to feel worthy of their own money. And what to do about it this week.

Because worthiness grows when you take action. You do the worthy thing first, and the feeling catches up.

What you’ll hear

🔍 Money is information. Why your bank balance is a fuel light on the dashboard, and how reading it with curiosity changes your next money decision.

💪 You don’t have to bleed for it. Exhaustion is a terrible payment method. How to receive money as fair compensation for your work, and say a simple thank you when it arrives as a gift.

🧠 Your money story might belong to someone else. “Money doesn’t grow on trees.” “Don’t get too big for your boots.” Where your inherited money beliefs came from, and how to choose which ones to keep.

🧾 Keep the receipts. A simple evidence folder that reminds you how capable you are, especially at 2am when your brain starts telling stories.

✨ Act worthy first. Small, slightly scary actions that build financial confidence faster than any affirmation.

🌀 Tapping for scarcity. The emotional freedom technique (EFT) Phoebe has used for years when scarcity creeps in.

Your worthy thing for this week

Pick one:

• Say thank you for a gift. Full stop. No deflecting.
• Chase the invoice that’s been sitting there.
• Ask for the pay rise or the fair price.
• Open the bill or balance you’ve been avoiding and make one call.
• Buy the good thing for yourself, minus the guilt tax.

Then finish this sentence: “The thing I learned about money growing up was...” Is it still true for you today?

Download the tapping guide

Ready to try tapping? Phoebe’s EFT tapping guide for money and scarcity is waiting for you inside the Happy Money Society, along with workbooks and resources to help you build a happier relationship with your money.

👉 Join the Happy Money Society and download the tapping guide: www.phoebeblamey.com.au

Coming soon

A special mini-series from the Million Dollar Conspiracy, Phoebe’s group program for experienced women business owners who’ve left corporate and are scaling up. Especially for you if you’re the one setting the price.

Follow My Happy Money Journey so every episode turns up in your feed. It helps the show reach more women who need it.

Tell Phoebe

Which one is yours? The report card balance, the exhaustion tax, the inherited money voice, the missing receipts, or never doing something just for you? Send Phoebe a message and tell her your worthy thing for the week. She reads every one.

Enjoy your journey. 💛

Becoming the Woman Who Owns Her Money

Divorce can leave you feeling like you're starting again financially.

But you're not starting from zero. You're starting with experience, knowledge and the opportunity to finally take control of your own money.

In the final episode of our divorce series, we move from protection to rebuilding — and talk about what actually helps women create financial independence after divorce.

We cover:

• Why your financial recovery isn't about finding someone else • Building your own financial identity • Understanding your complete financial position • Checking your credit and accounts • Creating a financial buffer • Protecting your super • Investing in your earning power • Why financial knowledge compounds • Why you're never “too old” to rebuild • Turning money from something you fear into information you can use

The big message?

Recovery isn't rescue. Recovery is a skill.

You don't need to know everything about money. You just need to start asking better questions, making your own decisions and taking the next step.

You are not too old. You are not too far behind. And you are not starting from zero.

Your future belongs to you.

This episode completes our three-part series on money and divorce.

When the Numbers Don’t Add Up: Hidden Money & Divorce

What happens when the financial picture your ex is presenting just doesn’t make sense?

A bonus suddenly disappears. A successful business is suddenly worth almost nothing. There’s a mysterious loan to family. Or accounts and assets you never knew existed.

In this episode, we look at some of the common red flags around financial disclosure during divorce — and what you can do when the numbers don’t add up.

We cover:

• Delayed income and bonuses • Suddenly struggling businesses • Overpaid tax • Loans to family or friends • Hidden accounts, assets and debt • Financial abuse • What information you should gather • When to ask your lawyer for deeper investigation

You don’t need to become a forensic accountant. You need to know what questions to ask.

Because you cannot claim what you can’t see.

This is general financial information, not legal advice. Always speak with your family lawyer about your individual circumstances.

This is episode two of my three-part series on money and divorce. Next up: rebuilding your financial life and becoming the woman who owns her money on purpose.