Skint

Checked your student loan balance recently ? ...
Mik opens with the recent campaigns pushing for change, and breaks down what’s actually going on with Plan 2 specifically -the headlines, the noise, and what it could mean if you’re one of the millions still chipping away at yours.
Connie takes a trip down memory lane to her own student loan days, and asks the question everyone’s secretly wondering… what on earth is going on with those interest rates?
If you’ve ever looked at your student loan balance and felt your soul leave your body, this episode is for you. Simple, honest, and very normal-person friendly.
For education and entertainment only. Not financial advice.

As of the 6th of April, how we report tax has changed 🥲
Mik outlines what’s actually changing and why this could affect a lot of you. The way we report tax is moving online, more regularly, and with less room for “I’ll sort it later”.
Connie asks the practical questions. How do people actually do this, who does it affect, and what it means day to day if you are self-employed or earning outside a standard salary.
If you have heard about Making Tax Digital and thought it sounded important but unclear, this episode keeps it simple, practical, and very normal-person friendly.
For education and entertainment only. Not financial advice.

Cash just hits different.
Mik outlines the idea behind the initiative and it turns out when people have tried this before, they often end up spending less without even trying.
They also touch on why cash still matters more than people think. Like the Milan blackout, where digital payments suddenly stopped working and cash became essential again.
If you have ever checked your bank account and wondered where your money actually went, this introduces a simple, practical challenge to help you take back control.
For education and entertainment only. Not financial advice.

Cash just hits different.
Mik outlines the idea behind Cash Bootcamp and how people have tried this before, they often end up spending less without even trying!
Connie is, understandably, a bit reluctant. But that is kind of the point. Physically handing over cash forces you to think twice, whereas contactless makes it dangerously easy to spend without noticing.
They also talk about why cash still matters more than people think. From everyday spending habits to situations like the Milan blackout - digital payments suddenly stopped working and cash became essential again.
If you have ever checked your bank account and wondered where your money actually went, we hope this introduces a simple, practical challenge to help you take back control.

For education and entertainment only. Not financial advice.

Strap in, it’s tax season, and yes, there’s a lot of it.
Mik runs through some of the key changes from the latest budget, including the freeze on tax thresholds and why that matters more than it sounds. Yes, technically nothing has changed, but somehow you might still end up paying more.
Connie and Mik unpack how things like salary sacrifice and dividend tax fit into the picture, what they mean in practice, and where people can easily overlook how the rules affect them.
They also talk through what to actually pay attention to this tax year, what might impact your take-home pay, and how small changes can quietly add up over time.
If you have seen headlines about the budget or the new tax year and thought “I should probably understand this,” this episode keeps it simple, practical, and very normal-person friendly.
For education and entertainment only. Not financial advice.