‼️ I’ve mentored and coached countless women, transforming their finances, & this is what I’ve learned: The ones who actually build wealth? They’re not smarter with money or born into privilege. They’ve just taken these 5 actions straight away. You see... You don’t build wealth by wishing for it → You build it by ACTING on it. And if you don’t have the financial freedom you want yet, it just means you haven’t taken these steps. But when you do? Everything shifts. 1. GET CLARITY ON YOUR NUMBERS F
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‼️ I’ve mentored and coached countless women, transforming their finances, & this is what I’ve learned: The ones who actually build wealth? They’re not smarter with money or born into privilege. They’ve just taken these 5 actions straight away. You see... You don’t build wealth by wishing for it → You build it by ACTING on it. And if you don’t have the financial freedom you want yet, it just means you haven’t taken these steps. But when you do? Everything shifts. 1. GET CLARITY ON YOUR NUMBERS F
141.2K views4 months ago
FacebookElla Andrews
HMRC gives you these every year. If you don’t use them, you lose them. No rollover. No second chances. And with tax thresholds frozen until 2031? These allowances just became even more valuable. This is how the wealthy keep more of what they earn 👇 Personal allowance. ISAs. Pension tax relief. Capital gains exemptions. Property allowances. (Not loopholes. Legal strategy.) Most people earn more… But never change how their money is structured. That’s why they work harder ...and still feel behind.
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HMRC gives you these every year. If you don’t use them, you lose them. No rollover. No second chances. And with tax thresholds frozen until 2031? These allowances just became even more valuable. This is how the wealthy keep more of what they earn 👇 Personal allowance. ISAs. Pension tax relief. Capital gains exemptions. Property allowances. (Not loopholes. Legal strategy.) Most people earn more… But never change how their money is structured. That’s why they work harder ...and still feel behind.
31.1K views4 months ago
FacebookElla Andrews
How I would make my child a millionaire if I were starting from the beginning💰 The strategy ⬇️ Save £1,000 at birth, £200 every Christmas, £200 every birthday, £100 every month. Put it in a Stocks & Shares ISA averaging 8-10% returns per year. Here’s what that actually looks like: £1,000 initial deposit £400/year in birthday/Christmas gifts £1,200/year monthly savings = just £133/month on average. So many people spend more than that on subscriptions and luxuries they don’t use, so seeing what t
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How I would make my child a millionaire if I were starting from the beginning💰 The strategy ⬇️ Save £1,000 at birth, £200 every Christmas, £200 every birthday, £100 every month. Put it in a Stocks & Shares ISA averaging 8-10% returns per year. Here’s what that actually looks like: £1,000 initial deposit £400/year in birthday/Christmas gifts £1,200/year monthly savings = just £133/month on average. So many people spend more than that on subscriptions and luxuries they don’t use, so seeing what t
35.5K views4 months ago
FacebookElla Andrews
HMRC gives you these every year. If you don’t use them, you lose them. No rollover. No second chances. And with tax thresholds frozen until 2031? These allowances just became even more valuable. This is how the wealthy keep more of what they earn 👇 Personal allowance. ISAs. Pension tax relief. Capital gains exemptions. Property allowances. (Not loopholes. Legal strategy.) Most people earn more… But never change how their money is structured. That’s why they work harder ...and still feel behind.
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HMRC gives you these every year. If you don’t use them, you lose them. No rollover. No second chances. And with tax thresholds frozen until 2031? These allowances just became even more valuable. This is how the wealthy keep more of what they earn 👇 Personal allowance. ISAs. Pension tax relief. Capital gains exemptions. Property allowances. (Not loopholes. Legal strategy.) Most people earn more… But never change how their money is structured. That’s why they work harder ...and still feel behind.
66.5K views4 months ago
FacebookElla Andrews
“Money is like water. If it doesn’t flow, it slowly dies.” I once heard this, and it completely changed how I think about wealth 💰 For years, I kept money “safe” in savings accounts. It felt responsible. Secure. But here’s what I didn’t understand: money sitting still isn’t building wealth. It’s losing value. With 3.5% inflation, your £10K earning 3-4% interest is barely breaking even. You’re losing purchasing power every year just by playing it “safe.” Money needs to move. It needs to work. Wh
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“Money is like water. If it doesn’t flow, it slowly dies.” I once heard this, and it completely changed how I think about wealth 💰 For years, I kept money “safe” in savings accounts. It felt responsible. Secure. But here’s what I didn’t understand: money sitting still isn’t building wealth. It’s losing value. With 3.5% inflation, your £10K earning 3-4% interest is barely breaking even. You’re losing purchasing power every year just by playing it “safe.” Money needs to move. It needs to work. Wh
446 views3 months ago
FacebookElla Andrews
Ella Andrews | Womens Wealth Expert | Property Mentor/Investor 🏡 on Instagram: "Some of my habits make people go “…why are you like this?” 😅 But these habits are the reason I hit financial freedom by 36 and now work because I want to, not because I have to. What looks “extra” to most people is exactly what creates results. Here’s what I don’t negotiate on 👇 ✨ I treat my habits like booked meetings Gym. Beauty. Movement. Thinking time. These aren’t optional. Self-respect creates standards. Sta
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Ella Andrews | Womens Wealth Expert | Property Mentor/Investor 🏡 on Instagram: "Some of my habits make people go “…why are you like this?” 😅 But these habits are the reason I hit financial freedom by 36 and now work because I want to, not because I have to. What looks “extra” to most people is exactly what creates results. Here’s what I don’t negotiate on 👇 ✨ I treat my habits like booked meetings Gym. Beauty. Movement. Thinking time. These aren’t optional. Self-respect creates standards. Sta
1.1K views3 months ago
Instagramella_thepropertycoach
Ella Andrews | Womens Wealth Expert | Property Mentor/Investor 🏡 on Instagram: "The biggest things I’ve learned as a woman who saved enough to retire and be mortgage-free by 36 💰 I don’t come from money. I didn’t inherit my properties. I didn’t get lucky. I got strategic and knowledgable - FAST! I worked full-time while building a property portfolio. I studied at night after putting my daughter to bed. I said no to things that felt good in the moment so I could say yes to things that would cha
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Ella Andrews | Womens Wealth Expert | Property Mentor/Investor 🏡 on Instagram: "The biggest things I’ve learned as a woman who saved enough to retire and be mortgage-free by 36 💰 I don’t come from money. I didn’t inherit my properties. I didn’t get lucky. I got strategic and knowledgable - FAST! I worked full-time while building a property portfolio. I studied at night after putting my daughter to bed. I said no to things that felt good in the moment so I could say yes to things that would cha
4.8K views3 months ago
Instagramella_thepropertycoach
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De-cember is here… and I’m not taking anything into 2026 that drains my energy, my time or my potential. This month is about de-cluttering anything that de-values your life – the habits, the money leaks, the chaos, the “I’ll do it next year” energy. Because wealthy women don’t wait for January. They prepare for it. If you’re ready to step into 2026 with clarity, confidence and a wealth plan that actually grows while you live your life… ➡️ Comment ERA and I’ll send you the link. #herwealthera #wo
677 views5 months ago
FacebookElla Andrews
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‼️The Renters Rights Act is significantly changing the rental landscape in England. What’s changing: → Rent increases once per year only (2 months’ notice) → Section 21 no-fault evictions banned → Rental bidding wars banned → Upfront rent capped at one month → Tenants can challenge “unreasonable” rent increases For smaller landlords, you’ll have less rent flexibility, need stronger eviction grounds, and face more scrutiny on increases. If margins are tight, these changes could squeeze profitabil
45.5K views4 months ago
FacebookElla Andrews
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You’re not imagining it - you ARE getting poorer 🥴 We all are... Everyone feels like their money doesn’t go as far anymore. That’s because it doesn’t. 2006 vs 2026: 🏠 House prices: 58% 💷 Council tax: 83% ⚡ Energy bills: 101% 💰 Average salary: 37% To have the same purchasing power as someone earning £23K in 2006, you’d need to earn £40K today. But the average UK salary is only £31,602. Your costs have doubled. Your salary hasn’t kept up. That gap? That’s why you’re struggling. This is why bui
32.7K views3 months ago
FacebookElla Andrews
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Ella Andrews | Womens Wealth Expert | Property Mentor/Investor 🏡 on Instagram: "❕I need to be honest with you about something... When I first started my wealth-building journey, it wasn’t because I dreamed of luxury holidays or designer wardrobes. Don’t get me wrong - those things are lovely. But they were never the driving force. The real reason? I was exhausted 🥱 Exhausted from working full-time and still feeling like I was barely keeping my head above water. Exhausted from saying “maybe nex
182 views3 months ago
Instagramella_thepropertycoach
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Ella Andrews | Womens Wealth Expert | Property Mentor/Investor 🏡 | ‼️ What’s really happening to our finances in the UK right now? The numbers: 280,000+ more adults unemployed in 2025, average personal... | Instagram
11.2K views5 months ago
Instagramella_thepropertycoach
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Ella Andrews | Womens Wealth Expert | Property Mentor/Investor 🏡 on Instagram: "Steal my roadmap ⤵️ A few years ago I used to daydream about this life. Travelling with my family. 🌴 Homeschooling through real experiences. 🐬 Waking up to income already paid into my account. 🤑 Not because I wanted a “luxury” life… But because I wanted freedom over my time. And here’s the truth most people don’t hear: That lifestyle didn’t come from earning more. It came from learning how to use money properly.
1.1K views3 months ago
Instagramella_thepropertycoach
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Overpaying your mortgage vs investing the difference 😳 The numbers shocked even me. We’re told this from day one: 👉 “Pay your mortgage off ASAP.” 👉 “Debt free = success.” And yes… owning your home outright feels good 🏡 But let me show you the actual trade-off. Here’s the setup 👇 £250,000 mortgage 4.5% interest 25 years £1,390 per month Now watch what happens. Person A Overpays £300 a month. Mortgage gone in 18 years. Starts investing after that. Final pot: £186,000 Person B Pays the standar
43.3K views3 months ago
FacebookElla Andrews
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Most women don’t have a money problem They have a wealth strategy problem. They’re saving harder. Working longer. Waiting for “the right time.” But meanwhile? I’ve been turning the same salary they’re trying to stretch… Into an engine that builds wealth for me, daily. Not by grinding harder - but by learning how to make money MOVE. That’s what your job will never teach you. That’s what your parents probably didn’t know. And that’s exactly what women are learning inside Her Wealth Era™ - and usin
254 views5 months ago
FacebookElla Andrews
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Ella Andrews | Womens Wealth Expert | Property Mentor/Investor 🏡 | The rich don’t just earn more - they structure their money to keep more ⬇️💰 → ISA Maximisation £20K per year invested tax-free. The... | Instagram
12.7K views3 months ago
Instagramella_thepropertycoach
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Ella Andrews | Womens Wealth Expert | Property Mentor/Investor 🏡 on Instagram: "The gifting strategy wealthy families use to legally avoid inheritance tax 💰 Wealthy families have been using gifting strategies for decades to bypass the 40% IHT charge. Most people don’t know these exist. But they’re legal and available to ANYONE. THE 7-YEAR RULE ⬇️ Gift unlimited amounts during your lifetime. Live 7 years after the gift = completely IHT-exempt. Pass within 7 years? Taper relief reduces the rate
16K views4 months ago
Instagramella_thepropertycoach
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Ella Andrews | Womens Wealth Expert | Property Mentor/Investor 🏡 | Tom and Emily bought their house 15 years ago for £180K. Today it’s worth £420K. They’ve lived in it long enough to pay off their mortgage... | Instagram
129.1K views4 months ago
Instagramella_thepropertycoach
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Ella Andrews | Womens Wealth Expert | Property Mentor/Investor 🏡 | They call it “tax dodging.” But let’s be honest… is it dodging - or is it people trying to keep more of what they worked decades for?... | Instagram
12K views3 months ago
Instagramella_thepropertycoach
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Ella Andrews | Finance UGC & Content Creator 📈 on Instagram: "The tax loophole that results in a £0 corporation tax bill 👀 And it’s completely legal. The government keeps raising taxes on working people. Income tax thresholds frozen. Dividend tax up. Savings tax up. Rental income tax up. They’re tightening every wealth-building avenue. But property owners who understand tax structuring? They’re paying £0. Here’s how it works: THE STRATEGY ↓ Your limited company makes £50K profit. You spend £50
428K views4 months ago
Instagramellagrowswealth
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Ella Andrews | Wealth Expert | Property, Investing, Finance 🏡 on Instagram: "I’m tired of hearing “wealth-building is only for people born rich.” Let me clear something up ⬇️ I grew up on a council estate and didn’t come from money. Nothing was handed to me. I learned strategic wealth-building because I refused to accept that working until 68, with no freedom, was my only option. I started flipping my first property when I was pregnant with my daughter, then I mastered Rent to Rent - earning fr
3.2K views4 months ago
Instagramellagrowswealth
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The government keeps raising taxes on workers. But smart investors are using LEGAL strategies to protect and grow their wealth. Here’s what most people don’t know: 💰 £20K/year tax-free through ISAs 💰 £7,500 tax-free income from the Rent a Room scheme 💰 Property expenses are tax-deductible 💰 Incorporate your property business for lower tax rates 💰 Use strategic structures to keep MORE of what you earn With 2.8% predicted annual property inflation, the UK market is a goldmine RIGHT NOW for th
40.1K views5 months ago
FacebookElla Andrews
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Ella Andrews | Wealth Expert | Property, Investing, Finance 🏡 on Instagram: "The property strategy nobody talks about 👀 Airbnb doesn’t own properties. Amazon doesn’t own stores. Deliveroo doesn’t own restaurants. Etsy doesn’t own small businesses. Uber doesn’t own any cars. And yet they’re some of the largest companies in the world... Here’s how you can copy this exact model in the property industry ⬇️ It’s called Rent to Rent - and it’s how I started building my property portfolio with minima
8.6K views3 months ago
Instagramellagrowswealth
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Ella Andrews | Wealth Expert | Property, Investing, Finance 🏡 on Instagram: "My favourite property wealth-building strategy for 2026 🏠 Most people think you need £50K in the bank to start investing in property. You don’t. Here’s the strategy: Refinance your home → Release equity → Buy first flip → Generate £100K+ profit → Use profit as deposits for 2 more properties → Repeat with tax-efficient structuring. The result? Millionaire status in under 10 years 😍 but let’s make it 5! This isn’t theo
2.7K views3 months ago
Instagramellagrowswealth
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Ella Andrews | Finance UGC & Content Creator 📈 on Instagram: "Interest rates have dropped to 3.75%. Here’s what this means for you ⬇️ The Bank of England cut rates from 4% to 3.75% - the lowest in almost three years. In a 5-4 vote, policymakers lowered rates reflecting concerns over rising unemployment and weak economic growth. But what does this actually mean for you? 🤔 WHAT YOU NEED TO KNOW ⬇ TRACKER MORTGAGE HOLDERS (~500,000 people): Immediate reduction in monthly payments, with an approxi
21.6K views4 months ago
Instagramellagrowswealth
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⬇️ From burnt-out mum to financially free... Everything I wish someone had told me when I was a new mum, worried that I’d have to choose between being present with my daughter or building financial security. 7 years ago, I was working 12-hour shifts, barely seeing my daughter, and wondering how I’d ever “get ahead.” I thought my only options were: work full-time and miss her childhood, or stay home and stay unhappy. Both options felt like losing. So I found a third way: property investment that
947 views5 months ago
FacebookElla Andrews
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Ella Andrews | Womens Wealth Expert | Property Mentor/Investor 🏡 on Instagram: "UK Autumn Budget: What residential property owners need to know ⬇️ Rachel Reeves delivered the Autumn Budget on 26th November, and while the changes are more modest than feared, they still impact every property owner and investor. Here’s the breakdown: PROPERTY INCOME TAX RISING 2% 💸 If you’re a landlord or property investor, your profit margins just got tighter. NEW HIGH VALUE COUNCIL TAX SURCHARGE (“MANSION TAX”)
2.1K views4 months ago
Instagramella_thepropertycoach
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Ella Andrews | Wealth Expert | Property, Investing, Finance 🏡 on Instagram: "HMRC is now using AI to monitor social media... And if you’re posting about your wealth, they’re watching 👀 HMRC confirmed that it’s using artificial intelligence to scan social media posts as part of criminal investigations into suspected tax fraud. HOW IT WORKS ↓ The AI compiles all publicly available information about your lifestyle and spending, then compares it to your tax returns. If there’s a significant discre
12.1K views4 months ago
Instagramellagrowswealth
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Andrews on Instagram: "Ella Perdió 😪… . . . . #drama #reflexion #reels"
838.2K views3 months ago
Instagramandrewss_12
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Ella Andrews | Womens Wealth Expert | Property Mentor/Investor 🏡 on Instagram: "How to make £100K+ per property flip (from someone who’s completed 22 flips and counting) 💰 The strategy: Buy below market value, always Don’t wait to save - use investors, bridging, or both (I rarely use my own money) Work backwards from end value: End value - profit - refurb costs = offer price Have multiple exit strategies, so you’re never trapped This isn’t theory. One of my clients just made £92K profit on her
4.8K views3 months ago
Instagramellagrowswealth
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