Chapter 1: What innovative app is introduced for mortgage management?
Hey, before we start the episode, I wanted to share something I am obsessed with, and this is the app Sprive. This is one of those things that you think, why has nobody ever told me about this before? Basically, it helps you overpay your mortgage automatically without spending any extra money, and it feels like a game, and I'm fucking obsessed. Move over, Candy Crush. I'm playing the Sprive game.
So here's what I do. I've connected it to my everyday spending. And so without really noticing, I am overpaying about £50 a month off my mortgage. Now, just to clarify, this is just for money that I would be spending anyway. But here's where it gets fucking amazing, right? It's not just £50 a month, right? That's basic. That money goes straight off your mortgage balance right
which means you're not paying all the interest. It's also tax free. And over time, the compounded effect is where it gets fucking wild. So, for example, I have connected just two basic brands, right? Every week I shop at Tesco and Deliveroo. And just from my weekly shops at both of those places, I am overpaying £50 a month.
But this is also going to save me thousands in interest and shave not months, but years off of my mortgage. Years. And the best part is it is so easy. We all know that I am a technophobe and I set this up in minutes. It runs in the background. You are quietly building your wealth without changing your lifestyle. So if you've got a mortgage, you need to check it out.
I've left the link in the description below. You can thank me later. And so I had this fear of like, this book's going to come out and it's going to just be like an Instagram post. Ta-da, my book's out today and that's it. And I really wanted it to be, do you know what a perfect word for it is? A spectacle. And a spectacle it fucking was.
And there is now this feeling of like, am I so healed that I just don't strive anymore? What up, bitches? Welcome to Law of Attraction, Change My Life. I'm your host, Francesca Amber, and we are almost, almost into May. I'm very, very excited. I'm ready for summer. I'm ready for summer. Do you know what I mean? I put a lot of value on summer, okay?
I truly want to have the summers that we had when we were children, where... It felt like it was so long. It was stretching out. You were living your best life. You were up until 10 o'clock at night in the garden. And it's wild to me.
So a couple of weeks ago, I did an episode with the lovely, lovely, lovely Tamu Thomas about being a well-rested woman and how to come out of hustle culture and the feel that we need to constantly be on the grind all the time and to actually... Enjoy life right now. And for me, especially being a cyclical living bitch, summer is the season of saying yes to life.
Like summer is the season of just enjoying your fucking life. And what's so wild to me is three years ago, maybe, was it three years ago? Maybe three or four years ago, I achieved one of my biggest goals, which I know for some people they don't really care, but I am very temperature sensitive and I like to always have access to like some kind of pool, some kind of body of water.
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Chapter 2: How does the host feel about their recent achievements?
We're never going to be in this season. So let's just enjoy it. Anyway, this week I want to talk about... Actually, it's kind of related to this actually. This is somewhat selfishly my own personal life dilemma. So when I'm recording these episodes, I'm always trying to think like, what do people most want to hear? What can give people the most value in their lives? And I thought about
What would I want to know from someone by favourite sort of life coaching or law of attraction experts? And so I thought, why not use my very own personal life dilemma? And that is this. So I have spent a lot of my life in... striving, right? I've always been like striving to get somewhere, whether it was when I was younger, like in my late teens, early twenties.
And my mum's boyfriend was fucking horrible. Like living with them was a living, well, it wasn't that bad, but it was, it wasn't a vibe. Let's say that. Okay. It wasn't a vibe. And so I was really striving to like move out and move to London. And then when I moved to London, I was like, I don't feel comfortable.
stable living in a house share like I loved it living in a house share was some of the best years of my life but I needed to feel like it was permanent for me so then I was like striving to buy my own flat in London and then I was like striving to meet the love of my life and get married and then you know when I lost my business in the lockdown I was striving to like make a life for myself and make this podcast work and maybe I was striving to buy my dream homes my daughters could all have their own bedrooms whatever it might be I was always like striving for something
And over the last, I would say, year, maybe a little bit more, I find myself feeling very unmotivated. And it almost feels a little bit of a piss take to myself to call it unmotivated because it's not. It's almost like a contentment, but it's not because it feels very new and strange to me. But I do feel somewhat contented in my life.
But I also struggle with not knowing what I want next, but also not being motivated enough to do anything about what I want next. So I saw this thing on Instagram. I saw two things on Instagram. First one that inspired this episode was a little picture. I'm going to put it on like my Instagram so you can see it. I'm at Francesca Amber.
If you're not following me, what are you doing with your life? So it's a picture of like an old Nokia. And on the screen it said, so your dream came true. Now what? And I was like, oh my God. that's where I feel like I am. A lot of the things I wanted in my life, I wanted to be like this boss bitch, single woman living my best life. I wanted to have a house in the country.
I wanted to have a gaggle of daughters. I wanted to have, you know, holidays around the world and having fun with my friends. And I wanted to have a career that was a podcast that was creative and fulfilling. I wanted all these things. And spoiler alert, she's a manifester, don't you know? They all came true. They all manifested into my reality.
And I did kind of have this feeling of like, yes, your dream came true. Now what? And then the other thing I saw was it said success is often a trauma response. So make sure you find your six or make sure you're successful before self-development or therapy like knocks it out of you or whatever.
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Chapter 3: What personal dilemma does the host share regarding ambition?
And I really needed to hear this advice from Emma that like this might be my fallow year. This is just my fallow year to enjoy everything that I've manifested. Remember, there are all different types of rest and it may be that I just need a bit of creative rest right now. I need to not be thinking what do I want to manifest next and instead just allow myself to just be.
So if you are unsure of what season you're in, here are a few questions to reflect on. Are you ready? Number one, are you in an inner autumn or winter season? Are you celebrating your harvest or are you being called inward to rest and do deep inner work? I would say that I am in a mixture of harvest, reaping the rewards of like going really fucking hard that year, 2025.
And also going hard for the last five years, to be fair to myself as well. And also like that rest and recuperation, like the hibernation period after. So yeah, you're right, Emma Mumford. I am in that phase of the cycle. I shouldn't fight it. I shouldn't fight against it.
Number two, are you trying to find something to manifest just to stay busy or to avoid uncomfortable feelings around safety and stillness? Yes, to all of the above, I think, potentially. Yeah, I am a chronic gold digger, actually. And yeah, I need to feel comfortable. And this is something that I have to remind myself over and over, but get comfortable in just, you know, it's OK to rest.
It's OK to enjoy what you have. Number three, remember, manifesting isn't only about things or this is where I am. You can manifest feelings too. So how do you want to feel today? Setting that intention each morning can be just as powerful to your big manifestations. Yeah, so I feel like, especially when I first got known for manifesting, was because I managed to manifest very specific things.
So whether it was my
husband who had been on my vision board for two and a half years or the gender of my twins whatever it was they were very big almost like flashy manifestations of being like look I fuck or like I think people really resonated when they saw when a lot of people first found me was when I literally had no money and I was very honest about it I was like I had this beauty salon and now I've got twin newborns or I'm pregnant and I've got no I literally was like I've got no money I've had no income like we've been in a lockdown I've got no income at all so to see me go from that I
think in two short years to then buy my dream home was like something that could you could really show people and be like look manifesting fucking works I think it's hard for me now to say actually my biggest manifestation this year was
is a calm nervous system, is a soft girl life, is a rich girl life, is being able to have a nap in the garden in the afternoon, is being able to go and have lunch with my mum. That feels almost like you're going backwards, but you're not. Like it is genuinely what I need to manifest, is how I genuinely feel in my everyday life. And so that is Emma Mumford's advice.
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