Broke on a Good Salary: Pay Off Debt & Save More for Professional Women
This podcast is for professional women in their 30s who earn a good salary but still feel broke and stressed about money. Host Veronia, a London-based money coach, paid off £16k of debt in 18 months without giving up her lifestyle. Each week she explains the real reasons behind debt, shares client wins, and teaches simple systems to pay off debt, save money, and stop overspending. The goal is to help listeners feel in control of their finances even if they look fine on paper.
Episodes
032: How Much Money Should You Have in Your Emergency Fund?
How much money should you actually have in your emergency fund? You've probably heard that you need to save three to six months' worth of expenses, but what if that advice doesn't actually make sense for your situation?In this episode, I'm breaking down what an emergency fund really is, the difference between an emergency and an expected expense, and how to calculate how much you p
031: You Pay Your Bills on Time, So Why Are You Still Broke?
You pay your rent or mortgage on time. Your direct debits always go through. You know exactly how much your bills cost every month.So why do you still feel broke? And why haven't you been able to pay off your debt or build any savings?In this episode, I'm breaking down two reasons why paying your bills on time isn't enough to help you get out of debt, and what you need to start doing d
030: Workshop Replay: How to Pay Off One Credit Card Before Christmas
Want to finally pay off one of your credit cards before Christmas, but feel like no matter how much money you put towards your debt, the balance never seems to go down?In this special episode of Broke on a Good Salary, I’m sharing the full recording of my live workshop, Get One Credit Card to ZERO Before Christmas.During this workshop, I’ll walk you through:Why trying to pay off all your credit ca
029: 3 Things You Need to Know to Pay Off Your Credit Card Before Christmas
If you want to pay off your credit card before Christmas, there are a few things you need to understand first.In this episode, I’m breaking down 3 things you need to know about your credit card debt. Because you don’t need to wait until January to start making progress with your debt.And if you're tired of making payments towards your credit cards but never actually seeing the balances go down
028: How to Stop Overspending While Living at Home and Pay Off Debt
Living at home should make it easier to save money and pay off debt - but what happens when emotional spending keeps getting in the way?In this episode, I’m sharing the practical steps you can take to reduce your emotional rent. You’ll learn how to work out what living at home is really costing you, identify the emotions driving your spending and create a realistic plan that still gives you space
027: What Is Emotional Rent? The Hidden Cost of Living at Home
Living at home should make it easier to pay off debt and save money - but what if it doesn’t?You might not be paying rent to a landlord, but you could be paying a different type of rent. In this episode, I explain what emotional rent is, the different ways it can show up in your spending and why living at home isn’t always as financially “free” as it looks on paper.If you’re tired of still being i
026: How to Stop Overspending and Pay Off Debt Faster
There’s a difference between spending money and overspending - and the answer isn’t to stop spending altogether.In this episode, I’m sharing practical ways to stop overspending without feeling like you have to cut out everything you enjoy. We’ll talk about how to become more intentional with your spending, plan for the things you actually want and make faster progress towards paying off your debt.
025: Why You Keep Overspending and Can’t Pay Off Debt
Overspending isn’t always caused by a lack of discipline or an obsession with avocado toast. Sometimes, the real reason goes much deeper.In this episode, I’m sharing three of the biggest reasons I see professional women overspending - even when they earn good salaries and genuinely want to pay off their debt.And if you’re ready to pay off at least one debt and save one month’s expenses, find out m
024: You Still Have Time to Change Your Finances in 2026
There are only four months left of 2026, but that doesn’t mean it’s too late to make a big change with your money.In this episode of Broke on a Good Salary, I’m talking about why you don’t need to wait until January to get serious about your finances..- and just how much progress you could make before the end of the year if you start now.And if you’re ready to pay off at least one debt and save on
023: 3 Things You Should Do While Paying Off Debt
Paying off debt doesn’t mean putting the rest of your financial life on hold.In this episode, I’m sharing three things you should be doing while paying off debt to help you make progress without feeling like your entire life has to revolve around getting to £0 or $0 - and to make sure you’re building towards something bigger than simply becoming debt-free.If you’re making a good salary but debt is
022: Why I Decided to Pay Off My £16,000 of Debt
Paying off £16,000 of debt in 18 months wasn’t just about becoming debt-free - there were much bigger reasons why I decided I didn’t want to spend the next five years making debt payments.In this episode, I’m sharing the personal reasons I decided to pay off my debt and how that decision has shaped what I’ve been able to do with my money and my life since.And if you’re ready to finally pay off you
021: End of Summer Money Reset: How to Get Your Finances Back on Track
Summer spending can easily knock your finances off track - but you don’t have to wait until the new year to reset.In this quick end-of-summer money check-in, we’re talking about what you need to think about now if you want to finish the year feeling differently about your money.There are only four months left until the end of the year. If you’re earning a good salary but you’re still in debt and d
020: How to Use Your Career Skills to Pay Off Debt Faster
You’re doing well in your career, earning a good salary and know how to get things done at work - so how can you use those same skills to finally pay off your debt?In this episode of Broke on a Good Salary, I’m sharing three practical ways to take the skills that have helped you progress in your career and apply them to your money. Because you don’t need to become more disciplined or completely ch
019: You’re Earning a Good Salary, So Why Are You Still in Debt?
You’ve worked hard on your career, increased your salary and done everything you thought would help you get ahead financially - so why are you still in debt?In this episode of Broke on a Good Salary, I’m breaking down why so many professional women can be successful in their careers while still overspending, living paycheck to paycheck and feeling financially behind.And if you’re ready to change t
018: How to Save for a House (Even in This Economy)
Is it actually possible to save for a house in this economy -especially when you’re already earning a good salary but still feel nowhere near being able to buy?With house prices feeling increasingly out of reach, it’s easy to assume that buying your own home just isn’t realistic.In this episode of Broke on a Good Salary, I’m breaking down what could actually be stopping you from saving for a house
017: Why Your Debt Is Stopping You From Buying a House
Think buying a house is impossible right now?If you're earning a good salary but still feel like homeownership is getting further away, this episode is for you.I'm sharing one of the biggest reasons I see professional women struggle to make progress towards buying their first home - and why focusing on the right financial goal could help you get there sooner than you think.If you're re
016: How to Pay Off Debt in Your 30s: 3 Things I'd Do Differently
If you're in your 30s, earning a good salary, but still carrying debt, you might be wondering why it feels so much heavier than it did a few years ago.In last week's episode, we talked about why debt hits differently in your 30s. In this episode, I'm sharing what I would do differently if I found myself starting my debt-free journey all over again.Whether you're feeling behind on your financial go
015: Why Debt Feels Different in Your 30s (And What It's Really Costing You)
Why does debt suddenly feel so much heavier in your 30s?If you're in your 30s but still carrying debt, you may have noticed that it's no longer just about the money. It's about what that debt is stopping you from doing.In this episode, I share why debt hits differently as you get older, the mindset shift that changed everything for me, and why understanding what your debt is really cos
014: How My Client Paid Off £4,000 of Debt in Less Than 90 Days (While Earning £60k)
If you've ever wondered why your debt doesn't seem to be going down, even though you're earning a good salary and making overpayments every month, this episode is for you.In this episode of Broke on a Good Salary, I'm sharing how one of my clients paid off over £4,000 of debt in less than 90 days. She was earning around £60,000, had more than £50,000 of debt across loans and credit
013: Why Your Pay Rise Hasn't Helped You Pay Off Debt
You worked hard for your pay rise. You went to university, built your career, climbed the corporate ladder and started earning more money... so why are you still in debt?In this episode of Broke on a Good Salary, I'm sharing the three reasons why earning more hasn't translated into financial progress. If you've ever wondered why your salary keeps increasing but your debt, lack of savin
012: How to Pay Off Debt During the Summer (Without Missing Out)
In this episode of The Broke on a Good Salary Podcast, I'm sharing why I actually think summer is one of the best times to pay off debt - and why waiting until September could leave you feeling even further away from your financial goals.We'll talk about how to enjoy weddings, holidays, brunches and BBQs without putting your debt payoff on hold, plus the mindset shift that helped me pay of
011: What to Do If You're in Debt and Need to Tell Your Partner
Are you worried about telling your partner you're in debt? Whether you're single, dating, engaged or planning to buy a house, this episode is for you.In this episode of the Broken to Good Salary podcast, I'm sharing what to do if you're in debt and need to tell your partner, why you don't need to wait until you're debt-free to have the conversation, and how having a plan ca
010: How to Pay Off Debt Before the End of 2026 (My PSS Framework)
We're officially halfway through 2026, but that doesn't mean it's too late to make progress on your debt.In this episode, I'm sharing why the next six months could completely change your finances and the three things you need to focus on if you want to pay off debt before the end of the year.We'll talk about why so many women lose momentum with their financial goals, how to sto
009: Why You Keep Going Back Into Credit Card Debt (And How to Stop)
Have you ever paid off your credit card, promised yourself you’d never go back into debt, and then found yourself using it again a few weeks or months later?In this episode, I'm breaking down the two biggest reasons women keep falling back into credit card debt - and why it has nothing to do with willpower.I'll also be sharing key solutions on what to do instead to make sure you never keep
008: How to Budget in 2026 - The Budgeting System I Used to Pay Off Debt and Save Money
If you've tried budgeting before but still feel like your money disappears every month, this episode is for you.In this episode, I'm breaking down the exact budgeting system I use and teach my clients to help them pay off debt, build savings, and stop living paycheck to paycheck.If you're earning good money but feel like you should be further ahead financially, this episode will help y
007: Why You Still Haven't Moved Out (Even Though You Live at Home)
You live at home.You earn a decent salary.You don't have huge household bills.So why does moving out still feel impossible?In this episode, I'm breaking down one of the biggest reasons my clients struggle to move out, save for a house deposit, and make financial progress - even while living at home.Ready to pay off debt and build savings that actually last?Book a call here to learn more ab
006: Why Your Debt Consolidation Loan Didn't Fix Your Debt
In this episode, I’m breaking down why debt consolidation still hasn’t helped you become debt-free - even though you genuinely thought it would.Because the problem usually isn’t just the debt itself. It’s the fact that nobody taught you how to actually manage your money differently afterwards.Because unfortunately, debt in a different container is still debt.If you’re tired of moving money around
005: Why It Feels Like You Never Have Enough Money to Pay Off Your Debt
If you’ve ever looked at your debt and thought, “I genuinely don’t even have money to pay this off” - this episode is for you.In today’s episode, I’m breaking down the two financial problems people typically have, how to tell which one you actually have, why so many professional women on good salaries still feel broke, and why more money alone doesn’t always solve the problem.We’ll talk about:why
004: Why Saving First Actually Pays Off Debt Faster
Most people think the fastest way to pay off debt is to throw every spare penny at it. But honestly? That’s often the reason people stay stuck in the debt cycle.In this episode of Broke on a Good Salary, I’m breaking down why saving first can actually help you pay off debt faster - and why focusing only on debt payments can leave you vulnerable when life happens.I’m also sharing my own story of tr
003: I’m in Debt - So Why Would I Invest in Coaching?
If you’re already in debt, why would you spend money on coaching?Honestly, it’s a valid question - and one I’ve been asked multiple times recently.In this episode, I’m sharing how I personally think about investing in support whilst trying to improve your finances, why so many women feel conflicted about it, and the question I think you should actually be asking before making any investment decisi
002: 3 Things I Did to Pay Off my £16k Debt in 18 Months
In this episode of Broke on a Good Salary, I’m breaking down the 3 things that actually helped me pay off my debt, and no it wasn't just being more disciplined. If you earn good money but still feel financially behind, this episode will help you understand what actually creates progress.If you’re ready to stop living paycheck to paycheck, pay off debt, and finally feel in control of your money
001: How I Got Into £16k Debt on a Good Salary
I had a good salary, a corporate job, and money coming in… so how did I still end up £16k in debt?In this first episode of Broke on a Good Salary, I’m sharing the real story behind how I got into debt - from university overdrafts and holidays to car costs, lifestyle spending, and still being in my overdraft even after starting my corporate job.I also break down the biggest lesson I had to learn: m
