A Little Bit Richer

In part two of our tax special, our host Iona Bain and accountant Tim Paul dive deeper into the tax topics that matter most - from side hustles and rental income to tax-free childcare and ISAs.

Tim breaks down what the rules really mean, how to stay on the right side of HMRC, and the quick wins that can stop you overpaying tax like checking your tax code, understanding allowances, and making the most of your pension.

If you’v...

Tax. It’s something we all pay, but few of us truly understand much about this large deduction from our earnings. In this first of two bite-sized episodes, our host Iona Bain sits down with accountant and finance content creator Tim Paul to shed some light on how it works.

Tim explains how you can reduce your tax bill through clever tools like salary sacrifice and pension contributions, putting more of your hard-earned money ...

If you’ve ever changed jobs, chances are you’ve collected a few different pension pots along the way. Did you know bringing them together is easy and could save you money and time in the long term?

In this episode, our host Iona Bain is joined by Mike Crossley, Head of Workplace Pension Consolidation at L&G, to demystify the process of consolidation.

Together, they tackle the big questions: How easy is it to do? Cou...

Is your mortgage deal coming to an end soon? Or maybe you’re not tied in and could check if there’s something better out there?

Hopefully this episode will help save you some money. Our host Iona Bain is joined by friend of the show Sarah Tucker, aka The Mortgage Mum, to demystify the world of remortgaging.

Together, they unpack what remortgaging really means, why it matters more than ever in today’s market, and t...

What is the one thing splitting our generation? It shapes our future, divides us from friends and maybe even matters more than a university degree.

In this episode, our host Iona Bain is joined by historian and generational expert Dr. Eliza Filby to explore the rise of the “inheritocracy” - a world where the Bank of Mum and Dad increasingly decides who gets ahead.

They unpack how family wealth shapes education, housing,...

What will give you a stronger financial future? Buying a home or putting extra into your pension so you have enough to retire one day. With high property prices and changing retirement plans, millennials and Gen Z face a tricky financial dilemma.

In this episode, Iona Bain sits down with Claer Barrett, Consumer Editor at the Financial Times and host of the Money Clinic podcast, to unpack the debate around investing in a property an...

Buying a home is one of life’s biggest financial and emotional milestones, but it can also feel overwhelming. From deposits and legal fees to mortgage rates and market changes, there’s a lot to consider before you get the keys.

In this episode, our host Iona Bain sits down with Sarah Tucker, mortgage expert and founder and CEO of The Mortgage Mum, to break down the home buying journey step-by-step and what it all might ...

Around 1 in 5 people in the UK are neurodivergent, but it often doesn’t get discussed enough when it comes to personal finance.

In this episode, our host Iona Bain speaks with accountant and behavioural finance expert Krystle McGilvery about the often-overlooked link between neurodiversity and money. Krystle shares her personal experience of living with ADHD and dyslexia, and how these conditions impact her financial habits.

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There’s been lots in the news about workplace pensions recently.

In this episode, our host lona Bain is joined by L&G's CEO of DC and workplace savings, Paula Llewellyn. They unpack changes in the pipeline and what you can do to help your pension savings grow.

From the government’s push to simplify pensions and tackle the issue of multiple small pots, to a change which could see more of your money invested in U...

Money talk can be awkward and vulnerable, but it doesn’t have to kill the romance.

In this episode, our host Iona Bain is joined by financial adviser and author Bola Sol to unpack the dos and don’ts of managing money with your partner.

From combining accounts to spotting red flags, Bola shares practical advice for couples at every stage, whether you've just started dating or planning for a long-term future.

You’ll...

Digital payments have become the norm in managing our money but why has there been a boost in cash spending?

In this episode, our host Iona Bain sits down with financial advisor, author and content creator Emmanuel Asuquo to unpack our evolving relationship with money in a cashless world.

Emmanuel explores the psychological impact of contactless spending, why so many are returning to cash, and how to create ‘friction’ i...

Debt has become a fact of life for many, but that doesn’t mean it’s easy to navigate or talk about.

In this episode, our host Iona Bain is joined by Claer Barrett, Consumer Editor at the Financial Times and a passionate advocate for financial literacy. Together, they tackle the reality of debt among young people in the UK - from student loans and credit cards to the rise of buy now, pay later.

Claer breaks down how cred...

No matter how much you have to invest, setting good and solid foundations is vital.

In this episode, our host Iona Bain is joined by friend of the show and financial adviser Rotimi Merriman Johnson, aka Mr. MoneyJar, to demystify the world of investing.

From choosing the investment platform to understanding index funds, stocks and tax-efficient accounts like ISAs and SIPPs, Rotimi shares clear, practical advice without the jargon. ...

It can be hard to look beyond managing your money from one payday to the next. But if you have dreams for your life in the future, you’ll need a plan on how to fund this.

In this episode our host Iona Bain is joined by financial adviser, author and money columnist Bola Sol to unpack what it really takes to be in the best position to afford it.

From budgeting with purpose, deciding what your work-life balance is, building soli...

Do you feel like you’re working hard but hardly moving up the career ladder? Is success only achievable through promotion? What will give you satisfaction?

In this episode our host Iona Bain is joined by Helen Tupper, co-founder of Amazing If and co-author of The Squiggly Career, to explore why success doesn't always mean a straight line to the top.

They discuss how to rethink promotions, build confidence and find purpose in ...

Do you spend more than you should? Or maybe the opposite and you’ve a tendency to be frugal? ? In this episode, our host Iona Bain is joined by financial psychotherapist Vicky Reynal to explore the emotional undercurrents behind our money habits.

From childhood experiences and family dynamics to social media and FOMO, Vicky unpacks the complex psychology that shapes how we think, feel, and behave with money. You’ll hear...

Whether you're looking for some extra income, creative fulfilment, or a path to financial independence, side hustles are a great way to do this.

In this episode, financial advisor Emmanuel Asuquo and our host Iona Bain dive into the world of side hustles— from what you could offer, when you might need to pay tax and ideas to generate business.

They explore the highs and lows, the myths and realities, and strategies to balance...

In a post-pandemic world, with the rise of working from home and flexible hours, there’s a whole new meaning to work life balance.

In this episode, Joe Ryle from the Four Day Week Foundation joins our host Iona Bain to discuss how changing work patterns can lead to a healthier work culture with increased productivity and reduced burnout.

They dive deep into the role of technology in blurring boundaries and offer practical adv...

With endless inspiration online, home improvements have never been more tempting - but is reality living up to the "property porn" hype?

In this episode, our host Iona Bain is joined by Paula Higgins from the HomeOwners Alliance to explore the smartest ways to transform your home without breaking the bank.

From deciding between a doer-upper and a move-in-ready home to prioritising renovations that actually add value, Paula shares e...