Hi, Welcome to Zoe Talks Money

Helping busy women take control of their finances to build a better future.

My name is Zoe…

I have a confession…I used to be crap with money!

A few years ago, I’d accumulated over £10k of debt. I thought nothing of whacking a random purchase I didn’t need on a credit card or spending my hard-earned cash in B&M. I just didn’t care!

Throughout my life, I’d never been great with money. Bills got paid but I thought if I was living paycheck to paycheck then I was doing ok. I was happy to live in the moment and not get too fixed on the future.

Fast forward to 2022 and something had to change. After moving in with my other half, the reality of everything going up in price (thanks, economy!) hit. My minimum expenses and debt payments were getting higher and the dream of owning our own property felt like it could never become a reality.

Over the next two years, I tackled my debt head-on, following several money creators on Instagram and beginning my own profile to stay accountable. I scoured the internet to learn how to budget properly, the quickest way to get rid of those credit cards and loans, and how to balance my life so that it didn’t feel like I was missing out.

At the end of 2024, I paid off the final chunk of debt I owed and I’m now saving towards my first house deposit and growing my wealth through investing – something that always felt out of reach for me. I’ve learned that taking control of your money isn’t about earning loads or having everything figured out. It’s about small, intentional steps that add up over time.

I started this space on the internet, Zoe Talks Money, to share what I’ve learned and help other women do the same. Whether you’re trying to break free from debt, start saving, or finally understand investing, you’re in the right place. Money doesn’t have to feel like a struggle.

So, if you’re ready to take control of your financial future, stick around. You got this!