In this episode, we explore the reasons why high-paid contract workers still face financial problems despite earning more money. We discuss the common misconceptions surrounding contracting and offer practical solutions for those struggling with their finances. Tune in to learn how to take control of your financial future as a contract worker. Join Cashflow Contractor - my 3 month financial coaching program - to learn how to manage your finances, become debt-free  and save 6-12 months emergency fund to navigate low-income periods as a new contract worker.  Send me a DM to my Istagram ..read more

The episode is about my personal journey of transitioning from a full-time employee to a contract worker. I share my experience, lessons learned, and challenges I faced during the transition process.  Here are the key points discussed in the episode: The reasons why I transitioned from a full-time employee to a contract worker. The differences between a full-time employee, a contract worker, and a freelancer. The biggest challenge for contract workers is financial stability due to the unpredictability of contracts and unstable income.  The lessons I learnt as a new contract wo ..read more

In this episode, we talk to financial coach New Chinchin about achieving carefree financial independence. Born and raised in Singapore, New Chinchin has over 20 years of experience as a successful entrepreneur and author of 4 books on money management. We discuss: Her background and how she became interested in financial independence The importance of balance between hard work and enjoying the fruits of your labour Common misconceptions about achieving financial independence Strategies for overcoming fear and staying patient on the journey towards financial independence And much more Tu ..read more

I am excited to announce my new 90-day Cashflow Management Coaching programme specifically designed for full-time employees switching to contracting. Through this program, you will learn how to take control of your finances with money management strategies and budgeting and cashflow management techniques. I will provide expert guidance on insurance benefits, debt management, savings, investing, and tax planning, all to help you achieve financial stability and freedom. I am so excited about this program because I have seen firsthand the impact it can have on people's lives. By being intentional ..read more

Are you running out of money before the month ends? Here's why! - Spending more than you earn - Money leaks - Unhealthy money boundaries - Use of credit cards as a second income stream Listen to the full epsiode to learn exactly how this could be hurting your finances. The only way to experience real change is through consistent action and this is what I can help you with. Scheduel a 1:1 financial coaching where we will develop a plan of action needed to generate more cashflow, finally become debt-free, and work on your financial goals.   ..read more

Everything you need to know about the financial planning workshop and why you should attend. It's on New Year's Eve! Saturday 31st December 2 pm to 3 pm UK TIME It's only £20. This will be the best £20 you've spent in 2022 Still, doing your last-minute Christmas shopping? Why not gift a friend or family member by gifting them the workshop Register at estherbangura.com/workshop or DM on Instagram to ask any questions or need help with registering. I can't wait to help you create your financial plan for 2023!   ..read more

Many people are taking stock of their budgets, savings, and year-end savings objectives as the year draws to a close. If you feel overwhelmed by the thought of being behind in your finances then this podcast episode is just for you.  Insufficient funds are not the only cause of financial difficulties; lack of savings, discipline, and so on are other common contributors. In today's episode, I will share some advice on how to stop worrying about money and start taking control of your financial situation for good. You don’t want to miss: Reasons why people fall behind in their finances 5 st ..read more

There are so many feelings including regret, shame, or difficulty when reflecting on past mistakes. However, you may learn a lot from your mistakes and use them to guide your future actions. In today's episode, we will talk about how you can build your future on the solid ground of your previous experiences. The ability to move forward in life often requires you to review past moments. It’s not easy, but learning from your history and your past is essential for success.  You don’t want to miss: How understanding your past can set you up for a successful future Why an end-of-year review i ..read more

You already know that increasing your earnings by investing in yourself and solving a complex problem by bringing value to the workplace is one of the best ways to beat inflation and any type of recession! Too many women accept low-wage jobs because they lack high-income skills that would undoubtedly get them paid their worth! Today's podcast episode will show you how leaving money on the table at work will keep you poor and how becoming a high-skilled income earner is easier than you think. In today's podcast, I discuss:  Being paid for your time versus being paid for your skills E ..read more

We all make financial mistakes. And some financial mistakes are more costly than others. Making mistakes is one thing; being aware of them is another, and learning from them and not repeating them is a third. Being aware of your financial mistakes and learning from them is critical to building wealth. In today's podcast, I talk about: I share examples of money mistakes that you might relate to Why do we make money mistakes? 6 steps to follow to help you reflect and learn from your financial mistakes A few reminders of what will happen if you don’t learn from your financial mistakes If you ne ..read more