In this episode of Keep the Change, Tom is joined by Gemma Bird, better known as Money Mum, to talk about her journey to becoming a money-saving influencer. With nearly 500,000 Instagram followers and appearances on ITV’s Lorraine and Loose Women, Gemma has become a trusted voice for families looking to manage their family finances more effectively. She opens up about the realities of parenting on a budget, the money lessons she learned growing up, and why honest conversations about finances are more important than ever. Plus, Tom and Gemma dive into the common pressures new parents face, like figuring out what you really need to buy and what you can skip. If you're after practical tips, check out Formula Fog Hub by Bonya, a helpful resource full of advice and support.Send us a text

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