REPEAT: This week, Money Clinic is having a pay rise takeover - we’ll be pulling apart that big, scary box labelled ‘Asking for a pay rise’ - and unpacking the dos, the don’ts, the tips and tricks for getting the salary you think you are worth.Visiting our pay-rise clinic today are three podcast listeners with three different financial predicaments: Natalie keeps getting knocked back when she asks for a raise; Max knows that he could get paid more elsewhere, and Charlotte is trying to negotiate a bonus that really matches the effort she puts into her job. With expert advice from Isabel Berwick, the Financial Times’ work and careers editor and presenter of the Working It podcast, and Jonathan Black, director of the University of Oxford’s careers service and the brains behind the FT’s popular ‘Dear Jonathan’ advice column, this is a podcast you can’t afford to miss. Listen and subscribe to the Working It podcast: https://link.chtbl.com/0mRZG4fxCheck out the Dear Jonathan column: https://www.ft.com/dear-jonathanPlus the FT’s recent article: Want to get a pay rise? Here’s how! https://www.ft.com/content/967db31f-f49b-4039-a295-23db588d2a1cWant to be a future guest? Email us at money@ft.com or reach out to Claer on Instagram and Twitter: @ClaerB. Presented by Claer Barrett. Executive producer is Manuela Saragosa. Produced by Persis Love. Assistant producer is Talia Augustidis. Sound design by Breen Turner.  See acast.com/privacy for privacy and opt-out information.

Money Clinic with Claer Barrett

Repeat - How to ask for a pay rise - and get one!

With nearly 11m people in the UK set to file their tax returns by January 31, are you dreading the annual nightmare - or have you already got it licked? In this bonus episode of Money Clinic, we answer all of the questions about tax returns that you wanted to ask. With more people starting side-hustles and small businesses during the pandemic, how much extra income do you need to earn before you have to submit a return?Presenter Claer Barrett discusses how apps can make the whole process easier, and whether it pays to get an accountant. Plus, she explores how freelancers can legitimately reduce their bills by claiming tax-deductible expenses, or negotiate extra time to pay. Jacquetta Brown, tax specialist at HM Revenue & Customs, and chartered accountant Deborah Edwards, who runs the money mentoring programme Raised Up Finance, are on hand to demystify the jargon and pinpoint sources of help.If you would like to be a guest on the next season of the show, email the podcast team money@ft.com or follow Claer on Twitter and Instagram @Claerb.You can follow Deborah on Instagram @raisedup.finance Further reading: To find out more about using salary sacrifice to legitimately reduce your tax bills, check out this free-to-read FT piece from Claer: https://www.ft.com/content/ff8021b9-7847-4ef5-9f20-abb2ea2d6d93And if you’re looking for more tips about running a freelance business, this free-to-read piece has plenty of them: Financial Tips for the self-employed https://www.ft.com/content/3462f359-8a1d-4a1e-9098- a14bded3f00dTo claim the working from home allowance, follow this link to the Gov.uk website: https://www.gov.uk/tax-relief-for-employees/working-at-homeTo check out the HMRC YouTube channel, click here https://www.youtube.com/user/HMRCgovuk/playlists  See acast.com/privacy for privacy and opt-out information.

Bonus episode - The ultimate tax return guide

When Lucy Kellaway left the Financial Times and retrained as an economics teacher, she could not have predicted how the cryptocurrency craze would sweep through British classrooms. But is there anything on the school curriculum to teach teens about the risks of unregulated investments, or even basic financial literacy? Lucy thinks not.The FT’s Financial Literacy and Inclusion Campaign — FLIC for short — is hoping to change all that.In this special Christmas edition of the Money Clinic podcast, presenter Claer Barrett hears why Lucy and other top FT writers are supporting a greater focus on teaching finance in schools, as they recall their own formative experiences with money.Taking listeners on a tour of the FT’s City of London office, she hears from Patrick Jenkins, the FT’s deputy editor and trustee of the charity, who shares financial mistakes he made as a teenager in the 1980s, and US managing editor Peter Spiegel who explains why he thinks there’s a specific culture around money in the US.If you would like to read more about FLIC’s charitable aims, or to make a donation to support the charity’s work, please visit www.ftflic.com You can follow FLIC on Twitter and Instagram @FT_Flic There are dozens of free-to-read articles about financial literacy here https://www.ft.com/ft-seasonal-appeal   See acast.com/privacy for privacy and opt-out information.

Crypto in the classroom, and why we need better financial education

REPEAT: 2021, like 2020, was another turbulent year for most people’s finances, but the new year provides the perfect opportunity to set some “financial resolutions”.The guests on Money Clinic are millennial couple Toby and Siobhan and they’re looking for some timeless “fin-spiration” to get their money to work harder. They’ve paid off their credit cards under lockdown, and are wondering where to direct their spare cash. How much could they save if they overpaid their mortgage — and how would that compare to putting more into their pensions or other investments. There’s also one financial to-do that they’re been putting off for a long time — making a will. Money experts Ken Okoroafor from The Humble Penny and Dan Garrett, co-founder of digital will-writing service Farewill, provide expert tips.If you would like to talk to Claer for a future podcast episode, email the Money Clinic team money@ft.com with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.You can follow Ken Okoroafor on Twitter and Instagram @TheHumblePennyIf you’re looking for fresh ideas about what to do with your money in 2021, Claer has asked podcast hosts from the finance and business world to share their financial New Year’s resolutions for 2021. Covering investing, saving, financial planning and side hustling, you can read insights from Patricia Bright (Caught Off Guard), Emma Gannon (Ctrl Alt Delete), Chris Browning (Popcorn Finance), the FT’s former editor Lionel Barber (What’s Next?) and many more by clicking on this link: https://www.ft.com/content/8a09fc2d-4c25-4d81-8835-a5517c6cb3d3And here’s some further reading for listeners who are considering making a will. The pandemic has forced through legal changes making it much easier for people in England and Wales to make a “digital will” online. Read this FT Money piece to find out how: https://www.ft.com/content/4df16e49-940f-46f2-b0b4-6a82c011c3baAnd for a more general grounding in the topic, read this FT article - 10 things you need to know before making a will: https://www.ft.com/content/c5559861-6c19-4fdb-a652-4059cf5e6bd0  See acast.com/privacy for privacy and opt-out information.

Repeat - What’s your financial New Year’s resolution?

REPEAT: Claer explores how young people can use the popular tax-free Isa accounts to invest or buy their first property. This week, she meets Ryan, a 22-year-old graduate who confesses he has three Isa accounts, but doesn’t know how best to use them — or how to unlock savings bonuses potentially worth tens of thousands of pounds. Expert and practical help is on hand from Harleigh Reid, who used a Help to Buy Isa to buy her first flat at the age of just 24, and Young Money blogger Iona Bain who explains the rules of the new Lifetime Isa, which can be used for property or investing.  If you would like to talk to Claer for a future podcast episode, email the Money Clinic team money@ft.com with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.Further reading:If you’re new to investing, listen to this past Money Clinic episode on starting out https://www.ft.com/content/caedf0b3-4052-430c-99b4-107ea093d3fcIf you’re ready to rock with an investment Isa, check out this free-to-read FT column by Claer: https://www.ft.com/content/684dbb86-40b4-11e9-b896-fe36ec32aecHarleigh Reid also hosts her own YouTube site: https://www.youtube.com/user/TheHarlszCheck out Iona Bain’s Young Money blog here https://www.youngmoneyblog.co.uk/ or read her FT column about her Lifetime Isa here https://www.ft.com/content/52ad32d8-ac7b-11e9-b3e2-4fdf846f48f5  See acast.com/privacy for privacy and opt-out information.

Repeat - How can I use Isas to invest or buy a property?

REPEAT: Putting all of your pension savings in one place to make it easier to manage your retirement plans sounds like a sensible idea — but it’s not necessarily the right solution for everyone. Claer Barrett meets 51-year-old Tina who has spent lockdown searching for all of her old pensions: some have performed better than hoped, but others have had high charges, and she has a gap in her UK state pension contributions due to working overseas. Experts Sir Steve Webb of Lane Clark & Peacock and Catherine Morgan, a financial planner behind the ‘In Her Financial Shoes’ podcast, provide tips for people of all ages looking to sort out their pension savings.If you would like to talk to Claer for a future podcast episode, email the Money Clinic team money@ft.com with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.Further reading Let’s start with the basics. If you’re struggling to get your head around what a pension is, why you need one, and how they work, then check out this free to read column from Claer https://www.ft.com/content/05e5ded2-7a74-11e6-b837-eb4b4333ee43 To track down lost pensions, try the UK government’s Pensions Tracing Service, which is free to use - but please do be careful of copycat websites run by commercial firms https://www.gov.uk/find-pension-contact-details To check how many years’ worth of UK state pension contributions you’ve made, what you could receive in retirement and if you have any missing years, use the government’s free Check your State Pension service https://www.gov.uk/check-state-pension The UK government page Your State Pension Explained contains more information on what counts as a qualifying year https://www.gov.uk/government/publications/your-new-state-pension-explained/your-state-pension-explained Read this UK government advice page about extra National Insurance contributions to your UK state pension https://www.gov.uk/voluntary-national-insurance-contributions Contact the Future Pension Centre to find out if you would benefit from voluntary NI contributions https://www.gov.uk/future-pension-centre The UK government’s International Pension Centre provides advice and information for those who have lived or worked overseas https://www.gov.uk/international-pension-centre Want to talk to someone about your pensions options? If you’re over 50, then you can use the UK government’s free Pension Wise service to get detailed guidance from an adviser on your retirement options https://www.pensionwise.gov.uk/en Emma Maslin, who blogs as The Money Whisperer, wrote this FT column asking self-employed women how good their pensions are 

Repeat - Help! I need to sort out my pensions

This week, Money Clinic is having a pay rise takeover - we’ll be pulling apart that big, scary box labelled ‘Asking for a pay rise’ - and unpacking the dos, the don’ts, the tips and tricks for getting the salary you think you are worth.Visiting our pay-rise clinic today are three podcast listeners with three different financial predicaments: Natalie keeps getting knocked back when she asks for a raise; Max knows that he could get paid more elsewhere, and Charlotte is trying to negotiate a bonus that really matches the effort she puts into her job.With expert advice from Isabel Berwick, the Financial Times’ work and careers editor and presenter of the Working It podcast, and Jonathan Black, director of the University of Oxford’s careers service and the brains behind the FT’s popular ‘Dear Jonathan’ advice column, this is a podcast you can’t afford to miss. Listen and subscribe to the Working It podcast: https://link.chtbl.com/0mRZG4fxCheck out the Dear Jonathan column: https://www.ft.com/dear-jonathanPlus the FT’s recent article: Want to get a pay rise? Here’s how! https://www.ft.com/content/967db31f-f49b-4039-a295-23db588d2a1cWant to be a future guest? Email us at money@ft.com or reach out to Claer on Instagram and Twitter: @ClaerB. Presented by Claer Barrett. Executive producer is Manuela Saragosa. Produced by Persis Love. Assistant producer is Talia Augustidis. Sound design by Breen Turner.  See acast.com/privacy for privacy and opt-out information.

How to ask for a pay rise - and get one!

Following the COP26 conference in Glasgow, many climate-conscious investors want to know how to match up their investments with their values. The short answer is environmental, social and governance investing — ESG for short. But there are plenty of questions around how ‘green’ this really is.Thirty-year-old Harri appeared on one of the first episodes of Money Clinic last year, and his decision to invest in ESG funds appears to have paid off: he has made a decent return. However, he wonders how much this has been down to the underlying investment performance and how much because of the soaring popularity of ESG investments. With a record $3.9tn now held in sustainable assets worldwide, is this outperformance sustainable? Claer is joined by the FT’s Manuela Saragosa and Share Action’s Catherine Howarth, who have put ESG investing to the test. They offer practical tips on how to make greener choices with your pension,Isa and becoming an activist shareholder. Plus, they debate how worried investors should be about ‘greenwashing’. If you enjoyed this episode, check out five ESG themed episodes on the FT podcast Behind the Money. Want to be a future guest? Email us at money@ft.com or reach out to Claer on Instagram and Twitter: @ClaerB. Presented by Claer Barrett. Executive producer is Manuela Saragosa. Produced by Persis Love. Assistant producer is Talia Augustidis. Sound design by Breen Turner.Clips: Sky News, CNBC International, UN Climate Change, Guardian News.   See acast.com/privacy for privacy and opt-out information.

How to invest for a greener future

Many dream of being an elite footballer, but what’s it like actually earning a professional player’s salary? In the second half of this two-part podcast special, Claer Barrett explores the darker side of earning staggering sums as a young player. Unscrupulous financial advisers, risky investments, gambling, injuries and early retirement can all cut short your earning potential - and there are lessons here for all of us. She hears from Gareth Farrelly, a former Premier League footballer who narrowly avoided death - and financial ruin - when his playing career ended, but has now reinvented himself as a top sports lawyer. Plus, former England player Sol Campbell and AFC Bournemouth full-back Jack Stacey reveal how they manage their money, and what listeners can learn from this. If you liked the show, please leave a review. Want to be a future guest? Email us at money@ft.com or reach out to Claer on Instagram and Twitter: @ClaerBFor more about the business of sport, head to Scoreboard, the FT’s weekly briefing on the key financial issues affecting the global sports industry, at www.ft.com/scoreboard. If you enjoyed this episode, check out this Financial Times article by sports reporter Sam Agini https://www.ft.com/content/6d074e57-adf3-494a-98b9-6d0bc169c440Or this article on the perils of making a fortune at a young age https://www.ft.com/content/a5297c2c-03fe-47e0-b13a-6d20f7d2b3f8Presented by Claer Barrett. Executive producer is Manuela Saragosa. Produced by Persis Love. Assistant producer is Talia Augustidis. Sound design by Breen Turner. Clips: afcbTV  See acast.com/privacy for privacy and opt-out information.

The financial secrets of footballers, part two

Many dream of being an elite footballer, but what’s it like actually earning a pro player’s salary? Top football players earn staggering amounts of money, but even they are not immune from financial challenges. These range from planning for a career that could end by the age of 35 to teenage players struggling to manage such large financial windfalls. In the first half of this two-part podcast special, Claer Barrett speaks to former England player Sol Campbell and AFC Bournemouth full back Jack Stacey about the reality, both good and bad, of earning a footballer’s salary. Plus, Daniel Geey on why there’s so much money in football.If you liked the show, please leave a review. Email us at money@ft.com or reach out to Claer on Instagram and Twitter: @ClaerBIf you enjoyed this episode, check out this Financial Times article by sports reporter Sam Agini https://www.ft.com/content/6d074e57-adf3-494a-98b9-6d0bc169c440 Or this article on the perils of making a fortune at a young age https://www.ft.com/content/a5297c2c-03fe-47e0-b13a-6d20f7d2b3f8Check out Daniel Geey’s book and podcast here: https://www.danielgeey.com/Presented by Claer Barrett. Executive producer is Manuela Saragosa. Produced by Persis Love. Assistant producer is Talia Augustidis. Sound design by Breen Turner. Clips: afcbTV  See acast.com/privacy for privacy and opt-out information.

The financial secrets of footballers, part one

This is the podcast about doing work differently. Join host Isabel Berwick every Wednesday for expert analysis and watercooler chat about ahead-of-the-curve workplace trends, the big ideas shaping work today — and the old habits we need to leave behind. Subscribe on Apple https://podcasts.apple.com/gb/podcast/working-it/id1591925469 - On Spotify https://open.spotify.com/show/5vNDHxEOc1pI1acJS7He5e Or wherever you get your podcasts.The wellness industry is a trillion-dollar business, and the pandemic has turbo-charged it. One of the biggest trends has been the rise in employers buying their staff access to meditation and fitness apps. But does this ‘quick fix’ approach work? And are there better ways to boost wellbeing ? Isabel talks to Lorna Borenstein, chief executive of Grokker, a corporate wellness app about the reasons why she set up the platform and how clients and her own staff use it. It’s all part of a culture of taking care of employees - a topic Lorna has explored more deeply in her book It’s Personal, offering advice to other managers on how to help staff feel better [tl;dr: talk less, listen more].We also speak to FT colleague Emma Jacobs, about the corporate care culture. She is a little more skeptical. We would love to hear from you - email us at workingit@ft.com. You can also follow @isabelberwick on Twitter and Instagram or reach out via email: isabel.berwick@ft.com. Thanks. Mentioned in the podcast and other interesting reading:Emma Jacobs’ prophetic pre-pandemic guide to workplace wellness by app: https://www.ft.com/content/d1d58aae-437c-11ea-abea-0c7a29cd66feFT series, Burnout: https://www.ft.com/burnoutDeloitte report [2020] on employee mental health showing £5 benefit for every £1 spent: https://www2.deloitte.com/uk/en/pages/consulting/articles/mental-health-and-employers-refreshing-the-case-for-investment.html  Video, Emma Jacobs on how to detox from your smartphone: https://www-ft-com.newman.richmond.edu/video/b4115321-b915-3a42-9814-ad0be4c0e7f5?playlist-name=section-0b83bc44-4a55-4958-882e-73ba6b2b0aa6&playlist-offset=206Presented by Isabel Berwick. Editorial direction from Renée Kaplan. Assistant producer is Persis Love. Sound design is by Breen Turner, with original music from Metaphor Music. Produced by Novel.  See acast.com/privacy for privacy and opt-out information.

Introducing Working It: Can wellness apps fix us and beat staff burnout?

Have you ever wondered what it would be like to manage an investment portfolio worth hundreds of billions of pounds? Global equities specialist Malcolm MacColl is one of two managing partners at the helm of Baillie Gifford, the Scottish asset management company, which manages more than £350bn worth of investors’ cash. An early investor in Amazon, Tesla and Moderna, Baillie Gifford’s long-term approach to investing in tech companies has paid dividends. However, its approach is being tested by volatile markets in China, where the value of Chinese tech companies has been hit by a government crackdown. On today’s episode, Malcolm reveals how Baillie Gifford’s fund management team build an “investment hypothesis” for each company they choose to back, and why every investor should build a “coffee can portfolio” of shares they’d like to hold for 20 years. We also hear from FT investment columnist Merryn Somerset Webb who is less upbeat about China’s long-term prospects.Further reading:To listen to Merryn’s own Investment Masterclass, click here Read the FT’s profile on Baillie Gifford here Follow Claer on Instagram and Twitter @ClaerB and send her a DM if you’d like to appear as a future guest, or email the team on money@ft.com The podcasts Malcolm mentioned are:Farnam Street https://podcasts.apple.com/gb/podcast/the-knowledge-project-with-shane-parrish/id990149481Coburn Ventures https://open.spotify.com/show/3aKPYkLblhxAAPMj3BCgR6?si=QmAPgFCUSVWA5ENKXETuJAPatrick O’Shaughnessyhttps://open.spotify.com/show/22fi0RqfoBACCuQDv97wFO?si=QjYqX5dVRLC2K6e2uf8zyAPresented by Claer Barrett. Produced and edited by Clare Williamson and Persis Love. Sound design by Breen Turner.  See acast.com/privacy for privacy and opt-out information.

Investment Masterclass with fund manager Baillie Gifford

Students were up in arms after reading the Financial Times scoop that the UK government is considering lowering the salary level at which graduates have to start repaying their loans. Currently, student loan repayments start when you earn more than £27,225 per year, but the FT has reported this could be reduced to around £23,000 in future. Any changes are expected to apply retrospectively to those who started university courses after 2012, including this week’s podcast guest, 24-year-old graduate Ola, who fears how much any changes could cost her. “If this is retrospective, then for me it's a breach of natural justice and it's certainly something I would be yelling about,” Martin Lewis tells Claer. “Should students be scared? Yes.”As well as exploring the likely impact on young people’s budgets, we hear from FT reporter Bethan Staton about the political motivation for any changes to the loans system. Further reading:Vote for Money Clinic in the Lovie Awards here (deadline Thursday Oct 21)Check out Claer’s free to read FT column on how student loan changes could add up for youWatch Martin’s YouTube video on why he opposes changes to the system Here’s the original FT news story on the expected changes Follow Ola on Instagram @AllThingsMoney     Follow Claer on Instagram and Twitter @ClaerB and send her a DM if you’d like to appear as a future guest, or email the team on money@ft.com Presented by Claer Barrett. Produced and edited by Persis Love. Sound design by Breen Turner.  See acast.com/privacy for privacy and opt-out information.

Martin Lewis on what the student loans shake-up could cost you

Plenty of people in their 30s, 40s and even 50s have yet to start saving for retirement, and are anxious about how to begin. Today’s show is packed with tips for so-called ‘late starters’ like this week’s guest David, who is 38 and self-employed. Incredibly, David is planning for a retirement that he never thought he’d live to see. As Claer hears, a revolutionary new treatment for cystic fibrosis has transformed his life expectancy. Financial experts Claire Walsh and Moira O’Neill offer guidance for fellow late starters, weighing up the merits of pensions and stocks and shares Isas. Plus, they advise David how to factor in the additional challenges of living with a disability. Further reading:Check out our episode on finances for the self-employed here Or listen to our episode about tracking down and consolidating old pensionsMoira’s FT column about pension saving in your 40s is available hereClaire Walsh’s website is hereThe Cystic Fibrosis Trust has published this guide about employment rightsPresented by Claer Barrett. Produced and edited by Persis Love. Sound design by Breen Turner.  See acast.com/privacy for privacy and opt-out information.

'My life expectancy was 9 years old': Why I never thought I’d need a pension

Plenty of people in their 30s, 40s and even 50s have yet to start saving for retirement, and are anxious about how to begin. Today’s show is packed with tips for so-called ‘late starters’ like this week’s guest David, who is 38 and self-employed.&nbsp;Incredibly, David is planning for a retirement that he never thought he’d live to see. As Claer hears, a revolutionary new treatment for cystic fibrosis has transformed his life expectancy.&nbsp;Financial experts Claire Walsh and Moira O’Neill offer guidance for fellow late starters, weighing up the merits of pensions and stocks and shares Isas. Plus, they advise David how to factor in the additional challenges of living with a disability.&nbsp; Further reading: Check out our episode on finances for the self-employed here&nbsp; Or listen to our episode about tracking down and consolidating old pensions Moira’s FT column about pension saving in your 40s is available here Claire Walsh’s website is here The Cystic Fibrosis Trust has published this guide about employment rights Presented by Claer Barrett. Produced and edited by Persis Love. Sound design by Breen Turner. &#10;&nbsp;<br /><hr><p style='color: grey; font - size: 0.75em; '>See <a style='color: grey; ' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for privacy and opt-out information.</p>

Plenty of people in their 30s, 40s and even 50s have yet to start saving for retirement, and are anxious about how to begin. Today’s show is packed with tips for so-called ‘late starters’ like this week’s guest David, who is 38 and self-employed.&nbsp;Incredibly, David is planning for a retirement that he never thought he’d live to see. As Claer hears, a revolutionary new treatment for cystic fibrosis has transformed his life expectancy.&nbsp;Financial experts Claire Walsh and Moira O’Neill offer guidance for fellow late starters, weighing up the merits of pensions and stocks and shares Isas. Plus, they advise David how to factor in the additional challenges of living with a disability.&nbsp; Further reading: Check out our episode on finances for the self-employed here&nbsp; Or listen to our episode about tracking down and consolidating old pensions Moira’s FT column about pension saving in your 40s is available here Claire Walsh’s website is here The Cystic Fibrosis Trust has published this guide about employment rights Presented by Claer Barrett. Produced and edited by Persis Love. Sound design by Breen Turner. &#10;&nbsp;See acast.com/privacy for privacy and opt-out information.

Your money. Your life. Your problem?&nbsp;We’re so busy earning money, we don’t have time to learn how to manage it. But that’s where Money Clinic comes in. Each week, the FT’s money-making expert Claer Barrett responds to real-life money questions from a range of millennial guests. Every 25-minute episode is packed with nuggets, tips and takeaways shared by top FT writers and financial experts. Where and how to invest your cash is our main focus; going beyond crypto and ‘meme stocks’ for those who aspire to ‘get richer slowly’ and become more confident making financial decisions in the wake of the pandemic. From getting on the property ladder to finding side hustles that boost your income and making full use of tax-breaks, this podcast is on the money for millennials. There are no short-cuts to wealth, but Money Clinic promises to tell you things you didn’t know about your finances in ways that anyone can understand. Want to talk to Claer on the show? Email money@ft.com or drop her a line on Instagram @Claerb

hubhopper

Money Clinic with Claer Barrett

hubhopper