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The Norfolk Knowledge Hub, crafted in collaboration with Norfolk County Council, is your free to view 24/7 virtual business support and learning portal.

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This episode of the Your Recipe for Financial Success podcast was published on 26th August 2021. You can listen again by heading to our Episodes page, or on your favourite podcast player.In this episode, Becky and Emma share all you need to know about keeping your money in a bank account; what the risks are and whether your money is protected.<h2>Episode Highlights</h2><ul><li>As a rule your bank is a safe place to leave your money but check that they are regulated by the FCA and PRA</li><li>Bear in mind inflation risk. This is the risk of your money being worth less over time because of the effect of inflation, especially with interest rates being as low as they are at the minute</li><li>Be aware of default risk. This is the risk of your bank actually going bust! The FSCS is in place to step in to compensate savers should this happen. You should make sure your bank is covered by the FSCS scheme</li><li>The FSCS compensation covers up to £85,000 per person, per banking group.</li></ul>

Essential Recipes: How safe is your bank account?

This episode of the Your Recipe for Financial Success podcast was published on 2nd September 2021. You can listen again by heading to our&nbsp;<a href="https://www.recipeforfinancialsuccess.co.uk/episodes/" rel="noopener noreferrer" target="_blank" style="color: rgb(187, 47, 75); background-color: initial;">Episodes page</a>, or on your favourite podcast player.In our latest Money Journey episode, Julie is joined by Lisa Johnson who helps entrepreneurs make passive and semi passive income streams in their business and life.<h3>What is your earliest Money Memory?</h3>My earliest memory is my parents arguing about money. So we never had any money when I was growing up and I think my mum had bought something that my dad thought was frivolous, that we didn’t need. And so there was always arguing, and I remember that particular time, but there was always arguing over money and that’s my earliest memory.<h2>Lisa’s Key Messages</h2><ul><li>No matter how bad the situation seems, remember things change and they can change really quickly!</li><li>Having a good lifestyle is important but remember to put money aside and plan for your future.</li></ul>

Essential Recipes: Money Journey with Lisa Johnson

<img src="https://assets.libsyn.com/secure/content/109600127?width=685&amp;height=360&amp;overlay=true&amp;player_time=1631871704231"><h3>Straight Talking - International Digital Marketing Podcast</h3> <h4>Top Tips On Improving Your Social Media For Independent Retailers</h4>Released: Aug 19, 2021As an independent retailer, you are likely juggling your store, accounts, stock, customer services, marketing, sales, and your social media.It can be a real juggle to manage everything and keep your social media up to date.Lynsey chats to SocialB colleague Amy where they share lots of actionable hints and tips to get you on track with using your social media effectively.Best wishesLynseyhttps://socialb.co.uk/podcast/

Socialb: Top Tips On Improving Your Social Media For Independent Retailers

Great advice from a business publisher (with over 400 titles to date) as to why publishing your own business book can be a great way of establishing authority in your given space, and the different routes open to you. Hear it direct from the horses mouth!To find out more about the Business Growth Club and it growing online community, go to<a href="https://www.businessgrowthclub.net/" rel="noopener noreferrer" target="_blank">www.businessgrowthclub.net</a>

Should You Publish A Business Book, And If So How?

Super experienced journalist and copywriter Kate White explores why in today's overcrowded world, it is more important than ever to engage with your audience using the power of words. Packed full of helpful tips and advice.To find out more about the Business Growth Club and it growing online community, go to<a href="https://www.businessgrowthclub.net/" rel="noopener noreferrer" target="_blank">www.businessgrowthclub.net</a>

Business Growth Hub: Why telling stories is massively important to any business

Published author and sales training guru Matt Sykes explains how to get the right mindset to succeed in sales, using a proven model and technique based on a lifetime's experience.To find out more about the Business Growth Club and its growing online community, go to<a href="https://www.businessgrowthclub.net/" rel="noopener noreferrer" target="_blank">www.businessgrowthclub.net</a>

Why Your Mindset Is So Important In Sales

Online influencers have exploded in recent years.With 63% of businesses intending to increase their influencer marketing budget over the next year, I felt it was an important subject area to cover with our listeners.In this jammed backed podcast, I'm chatting with my colleague Ollie Mowles where we share with you:-- the latest stats on the influencers landscape- how to approach influencers&nbsp;- what options you have to work with influencers- real examples of working with influencers&nbsp;Please contact our team to discuss how we can support your business with our digital marketing services.Call us on&nbsp;+44 (0)1223 258000&nbsp;or fill in the <a href="https://socialb.co.uk/contact-us/" rel="noopener noreferrer" target="_blank">contact form </a>and we will get back to you shortly.

SocialB - How to Work with Influencers Successfully

Gone are the days when you simply took out a Hire Purchase agreement to buy a vehicle. Now there is a vast range of options, to include essentially renting without ever owning it. Adrian Brooks of <a href="https://www.chatsbrook.co.uk/" rel="noopener noreferrer" target="_blank" style="background-color: rgb(251, 251, 251); color: rgb(33, 35, 34);">Chatsbrook Asset Finance</a> explores the history of car finance, explaining the options in borrowing from £1,500 to £1 million!To find out more about the Business Growth Club and its growing online community, go to<a href="https://www.businessgrowthclub.net/" rel="noopener noreferrer" target="_blank">www.businessgrowthclub.net</a>﻿

The myriad ways to finance your next vehicle - new, nearly new or a classic. Top notch broker Chatsbrook explains

This episode of the Your Recipe for Financial Success podcast was published on 5th November 2020. You can listen again by heading to our Episodes page, or on your favourite podcast player.In this episode, Julie, Emma and Becky have been on their holidays! Find out where they went and how much they spent. Can you do any better?<h2>Episode Highlights</h2>This episode may not start off sounding like a personal finance podcast, but that’s until you realise they have had a holiday – on a budget!Julie, Emma and Becky want to add some spice to your finances and show that a holiday doesn’t have to cost the earth. So, what are their top tips for a budget holiday?<ul><li>Collect vouchers from newspapers to earn a cheap UK getaway in a caravan</li><li>Take as many essentials with you as possible, including; food, drinks, towels and washing up liquid. You may even be able to save a bit of cash by taking your own linen!</li><li>Make the most of onsite entertainment, board games and walks in the surrounding area for fun activities</li><li>Stay close to home to save on travel costs. You don’t have to go far to have a relaxing break!</li></ul>The grand total of their budget holiday for three cost £372.02, which works out as around £124 each! Not bad!The actual accommodation cost £124.45, with the rest being made up of petrol costs, food, drinks and a £28 bottle of Prosecco!Hopefully we have inspired you to go on your own budget holiday? Let us know where you go and how little you managed to spend on our&nbsp;<a href="https://www.facebook.com/recipeforfinancialsuccess/?epa=SEARCH_BOX" rel="noopener noreferrer" target="_blank" style="color: rgb(187, 47, 75); background-color: initial;">Facebook page</a>.If you would like to get your teeth into any more financial recipes, check out our other podcasts on our&nbsp;<a href="https://www.recipeforfinancialsuccess.co.uk/episodes/" rel="noopener noreferrer" target="_blank" style="color: rgb(187, 47, 75); background-color: initial;">episodes page.</a><h3>&nbsp;</h3>

Essential Recipes: How to Holiday on a Budget

This episode of the Your Recipe for Financial Success podcast was published on 3rd December 2020. You can listen again by heading to our Episodes page, or on your favourite podcast player.In this episode, Becky, Emma and Julie are whipping up all the ingredients that you need to put Life Cover in place.<h2>Episode Highlights</h2>Life Cover is an important but often overlooked ingredient in the cake of financial security. Now, we understand that no one really wants to think about their unexpected death, but it’s so important for those you would leave behind.There’s no doubt that you would want your family or financial dependents to continue enjoying a lifestyle you are used to. If you don’t have Life Cover in place, however, they could be left struggling.<h3>Why do you need Life Cover?</h3>As we have just touched upon, you don’t want to leave anyone in a sticky situation once you have baked your last cake, if you catch our drift. Your family will no longer be receiving the income you bring in every month and so may find it more difficult to make ends meet.There are three Ds to remember when thinking about putting Life Cover in place:<ul><li>Debt</li><li>Dependents</li><li>Death duties</li></ul>Having Life Cover in place will make sure all of the above financial liabilities are taken care of. In addition, your family will still be able to live a comfortable life.<h3>How does Life cover work?</h3>Life Cover pays out a sum of money when you die. This money can be used by your family to:<ul><li>Pay off your mortgage and other debts</li><li>Supporting your children or other financial dependents</li><li>Covering Inheritance Tax (IHT) liabilities</li><li>Paying for your funeral</li></ul><h3>How much cover do you need?</h3>The amount of cover you need in place completely depends on your situation, and what you are hoping to cover when you are gone. For example, you may want to make sure your children are financially comfortable until they are 25. If they are 10 years old now and you want them to receive £20,000 a year, you will need to have 15 years worth of cover at £20,000 a year to see them through.Maybe you want to make sure your partner can pay the mortgage off. In which case, you should organise cover for the remaining balance.Or, if you don’t want your family to have to pay for your funeral, that could be the level of cover you are looking for. To give you a starting off point, the average funeral currently costs £4,267.<h3>How long should your cover last?</h3>Again, this depends on what the payout would be covering. In the mortgage example, if you have 25 years left on your mortgage it makes sense for your cover to last that long too.It’s important to realise here, if you survive your Life Cover policy, you will not get anything back from it.Types of Life Cover policiesThere are a range of policies to suit, including:<ul><li>Single life policies</li><li>Joint life policies. With these types of policies you can choose whether the sum pays out on the death of the first person (helpful for covering the mortgage) or on the second death (ideal for covering IHT liabilities)</li><li>Level amount policies. These would pay the same lump sum no matter at which point in your term you pass away. It’s important to realise this type is affected by inflation.</li><li>Index linked policies. These go up in value in over the period of time.</li><li>Decreasing term policies. These reduce in value over your policy term. These are a good option if you want it to pay off a mortgage.</li></ul>It is possible to tag on cover, such as Critical Illness cover, which would pay an additional sum on diagnosis of a listed illness.<h3>How to find Life Cover</h3>First of all, you will need to work out how much cover you will need.&nbsp;<a href="https://www.aviva.co.uk/insurance/life-products/life-insurance/life-insurance-calculator/" rel="noopener noreferrer" target="_blank" style="background-color: initial; color: rgb(187, 47, 75);">Aviva’s Life Cover Calculator</a>&nbsp;is a great place to start if you are unsure.Once you know the level of cover you would like, you can head online to comparison sites, or directly to your preferred supplier.If you are still a little unsure about the level or type of cover you need, it’s a good idea to speak to a financial adviser. They can find out exactly the cover you need and then research the whole market for you – they may even find some great offers you could take advantage of.We hope you are now full up on everything you need to know about Life Cover! If it’s left you hungry for more, check out our other podcasts on our&nbsp;<a href="https://www.recipeforfinancialsuccess.co.uk/episodes/" rel="noopener noreferrer" target="_blank" style="background-color: initial; color: rgb(187, 47, 75);">episodes page.</a>&nbsp;Don’t forget about our&nbsp;<a href="https://www.facebook.com/recipeforfinancialsuccess/?epa=SEARCH_BOX" rel="noopener noreferrer" target="_blank" style="background-color: initial; color: rgb(187, 47, 75);">Facebook page</a>&nbsp;too where you can ask questions and join in discussions about all of our topics!<h3>&nbsp;</h3>

Essential Recipes: Life Cover 

This episode of the Your Recipe for Financial Success podcast was published on 17th December 2020. You can listen again by heading to our Episodes page, or on your favourite podcast player.In this episode, Becky, Julie and Emma discuss their favourite Christmas budgeting tips. So, get your Christmas jumpers on, warm up that mulled wine and get yourself comfortable.<h2>Episode Highlights</h2>It’s the most wonderful time of the year! The season for gifting and celebrating. It’s also a time that can lead most of us to over-indulging slightly and loosing track of our purse strings.So, here are our top tips for keeping your money under control over the festive season.<h3>Planning is key</h3><h4>Budget</h4>The first thing you should do is set yourself a budget. Working out how much money you can comfortably spend without getting yourself in debt is the most important step.If your budget doesn’t quite stretch far enough, have a look to see if there is anything you can sell on eBay or Facebook to make a little extra cash.<h4>Who are you buying for? What are you buying?</h4>The best next step would be writing a list of everyone you would like to buy for, their individual budget and an idea of what you want to get them. Do this before you start shopping!The costs could easily spiral out of control if you find yourself winging it in the shops or online.How often have you found yourself getting a little something extra for one of your children because you happen to see it in a shop and then have to get a little something extra for the others? It soon adds up.<h5>Do you have to buy for everyone?</h5>It can be difficult to buy for adults – we all tend to buy the things we want or need throughout the year. One great way to save you buying lots of unnecessary presents is to do a family Secret Santa for the adults in the family.Set a budget then pick a name out of a hat and buy for that person only. Or skip the name in a hat thing and just buy a generic present which anyone in the game would enjoy such as a board game or some local food. On Christmas day you would just pick one from under the tree.<h3>Save money and spread the cost</h3><h4>Saving on Christmas Gifts</h4>Buying presents doesn’t have to get you in a sticky situation with your finances.Make some giftsHomemade gifts are really thoughtful and don’t have to cost the earth. How about baking some treats or going out and picking fruit to turn into flavoured vodka or gin?Buy in the salesSave yourself some money by buying gifts in the January sales. There are some gifts, such as perfumes or gift sets which can keep all year and will always cone in handy for someone on your list.This doesn’t just work for gifts though, stock up on wrapping paper or cards to save yourself from having to buy them at full price closer to Christmas next year. You’re always going to need some!Reuse and recycleYou can even get a little thrifty about saving some cash next year. Rather than buying a stack of gift tags, why not use the Christmas cards you receive to make gift tags for the following year?<h4>Spreading the Cost</h4>There are a number of ways that you can spread the cost of Christmas, if you plan ahead.Buy throughout the yearSpread the cost by buying one or two presents every month. If you don’t have the space to store them, or don’t trust the recipient won’t buy it themselves before Christmas, why not just put away some money each month instead?This still works as spreading the cost as you’ll have a pot of cash to use up when it is time to buy the presents. There are some bank accounts which allow you to set aside your money into a pot which could be very useful.Delay the cost of a giftGiving homemade gift vouchers could promise the recipient a trip to the cinema to see the next blockbuster or a massage one day. You are still promising a present but don’t have to pay for it right away, if you haven’t got the budget at the time.They don’t have to cost you anything though, you could offer to wash someone’s car or cook them a lovely dinner. These can be cashed in throughout the year. A great idea for presents that children can give to their families.Get cashbackUse cashback sites like TopCashback or Quidco when shopping online. You can save up your earnings throughout the wear and cash them out to spend on gifts or vouchers.<h4>Don’t overspend at the supermarket</h4>We have been guilty in the past of chucking a load of extra treats in the trolley when doing the big Christmas shop. There is just so much delicious food to tempt us!Plan your supermarket shop to avoid overspending and over-indulging. Write a list of what you actually need and stick to it! Buy the right amount of food for those you are entertaining.Don’t buy too much in advance if you can’t resist eating it! You may end up having to go back and buy more because you’ve eaten the first lot! Or, you could get chocolates and biscuits as gifts so you’ll then have double.If you regularly shop at a certain shop, you are likely to get vouchers throughout the year. Save up those vouchers and use them for your big Christmas shop, maybe you can afford a couple of treats, after all!If our podcast has left you hungry for more Christmas budgeting tips,&nbsp;<a href="https://www.notarehearsal.co.uk/christmas-budget-beaters?fbclid=IwAR1xa4W8uMfsFUPoDo5Wf6a0dWlwXzOqam3pafwyGjCG7vgmeTospz7xhSY" rel="noopener noreferrer" target="_blank" style="background-color: initial; color: rgb(187, 47, 75);">download 100 Christmas Budget Beaters E-Book</a>&nbsp;for free!Get your teeth into more of our financial recipes! Check out our other podcasts on our&nbsp;<a href="https://www.recipeforfinancialsuccess.co.uk/episodes/" rel="noopener noreferrer" target="_blank" style="background-color: initial; color: rgb(187, 47, 75);">episodes page.</a>&nbsp;Don’t forget to also join in the conversation on our&nbsp;<a href="https://www.facebook.com/recipeforfinancialsuccess/?epa=SEARCH_BOX" rel="noopener noreferrer" target="_blank" style="background-color: initial; color: rgb(187, 47, 75);">Facebook page</a>&nbsp;too.

Essential Recipes: Christmas Budgeting

This episode of the Your Recipe for Financial Success podcast was published on 14th January 2021. You can listen again by heading to our&nbsp;<a href="https://www.recipeforfinancialsuccess.co.uk/episodes/" rel="noopener noreferrer" target="_blank" style="background-color: initial; color: rgb(187, 47, 75);">Episodes page</a>, or on your favourite podcast player.In this episode, Julie, Emma and Becky are serving up everything you need to know about ISAs. A tasty way to make the most of your savings.<h2>Episode Highlights</h2>First and foremost, you may be asking yourself, what exactly is an ISA?<ul><li>ISA stands for&nbsp;Individual Savings Account.&nbsp;</li><li>They are&nbsp;tax efficient savings.</li><li>Savers can pay up to&nbsp;£20,000&nbsp;into an ISA account in this tax year (20/21)</li></ul><h3>What are the different types of ISA?</h3>&nbsp;<h3>Cash ISA</h3><ul><li>Cash ISAs can usually be opened through your bank/building society</li><li>They are relatively safe however savers should be mindful of the effects of inflation on their savings over long periods of time</li><li>You must be over 16 y/old to open a Cash ISA.</li></ul><h3>Stocks and Shares ISA</h3><ul><li>Stocks and Shares ISAs should be considered as a medium to long term investment</li><li>You can hold funds and sometimes shares in companies</li><li>You must be over 18 years old to open a Stocks and Shares ISA.</li></ul><h3>Innovative finance ISA</h3><ul><li>Innovative Finance ISAs use peer to peer lending platforms. So, put simply, your ISA investment will be passed on to another person who is looking to borrow money.</li><li>It’s important to bear in mind that these types of ISA are not protected by FSCS.</li></ul><h3>JISA (Junior Individual Savings Account)</h3><ul><li>This type of ISA can be opened by a parent or guardian of a child under the age of 16.</li><li>A JISA can be held in cash or as stocks and shares.</li><li>The savings limit for the 20/21 tax year is £9,000 per child.</li></ul><h3>Help to Buy ISA</h3><ul><li>These ISAs are no longer available to new savers, they were designed to help savers buy their first home</li><li>When you were ready to buy your first home, the government would then add a 25% bonus (up to £3,000) to your savings.</li></ul><h3>LISA (Lifetime ISA)</h3><ul><li>You can pay a maximum of £4,000 in any one tax year into a LISA</li><li>You must be between the age of 18 and 39 to open a LISA</li><li>The money in your LISA must be used either for retirement (from age 60) or to buy your first home</li><li>The Government adds a 25% bonus to your contributions paid in at the end of each tax year</li><li>There may be a charge of 25% to withdraw money for use for any other reason than for your retirement or buying your first home.</li></ul>If learning all about ISAs has got your stomach rumbling for more financial recipes, check out our other podcasts on our&nbsp;<a href="https://www.recipeforfinancialsuccess.co.uk/episodes/" rel="noopener noreferrer" target="_blank" style="background-color: initial; color: rgb(187, 47, 75);">episodes page.</a>&nbsp;Don’t forget about our&nbsp;<a href="https://www.facebook.com/recipeforfinancialsuccess/?epa=SEARCH_BOX" rel="noopener noreferrer" target="_blank" style="background-color: initial; color: rgb(187, 47, 75);">Facebook page</a>&nbsp;too where you can ask questions and join in discussions about all of our topics!

Essential Recipes: ISAs

In this episode of our Student FI Podcast directors and tutors, Ben Bullman and David Malthouse remind us all to take some time for ourselves as we come out of the pandemic and how we can do so.If you want to be part of our live audience and get your questions answered we go live on Wednesday at 6 pm every week on Zoom&nbsp;<a href="https://zoom.us/meeting/register/upEpf-ygrTIrfrplKnpKRQkOWLXQuA4X3A" rel="noopener noreferrer" target="_blank" style="color: rgb(131, 131, 131);">register here.</a><a href="https://www.firstintuition.co.uk/about/" rel="noopener noreferrer" target="_blank">FI</a> has a goal to develop financially fluent professionals who can make an impact for talent hungry employers.<a href="https://www.firstintuition.co.uk/contact/" rel="noopener noreferrer" target="_blank">Get in touch </a>

First Intuition - A little TLC - Looking After Yourself During and After the Pandemic

In this episode of our Student FI Podcast directors and tutors, Ben Bullman and David Malthouse will be discussing how to deal with unexpected change, when life gives you lemons.... make lemon meringue pie!&nbsp;If you want to be part of our live audience and get your questions answered we go live on Wednesday at 6 pm every week on Zoom&nbsp;<a href="https://zoom.us/meeting/register/upEpf-ygrTIrfrplKnpKRQkOWLXQuA4X3A" rel="noopener noreferrer" target="_blank" style="color: rgb(131, 131, 131);">register here.</a><a href="https://www.firstintuition.co.uk/about/" rel="noopener noreferrer" target="_blank">﻿FI</a> has a goal to develop financially fluent professionals who can make an impact for talent hungry employers.<a href="https://www.firstintuition.co.uk/contact/" rel="noopener noreferrer" target="_blank">Get in touch </a>

First Intuition - When Life Gives You Lemons - Dealing With Uncertainity

In this episode of our Student FI Podcast directors and tutors, Ben Bullman and David Malthouse&nbsp;will be looking at how motivation works, how we can help motivate people around us and also keep ourselves motivated during these winter months.If you want to be part of our live audience and get your questions answered we go live on Wednesday at 6 pm every week on Zoom&nbsp;<a href="https://zoom.us/meeting/register/upEpf-ygrTIrfrplKnpKRQkOWLXQuA4X3A" rel="noopener noreferrer" target="_blank" style="color: rgb(131, 131, 131);">register here.</a><a href="https://www.firstintuition.co.uk/about/" rel="noopener noreferrer" target="_blank">﻿FI</a> has a goal to develop financially fluent professionals who can make an impact for talent hungry employers.<a href="https://www.firstintuition.co.uk/contact/" rel="noopener noreferrer" target="_blank">Get in touch </a>

First Intuition - Get Up, Stand Up, Don’t give up the fight - Staying Motivated

In this episode of our Student FI Podcast directors and tutors, Ben Bullman and David Malthouse will be discussing the misconception of measuring success with perfection and how we should all be focusing more on progression.&nbsp;If you want to be part of our live audience and get your questions answered we go live on Wednesday at 6 pm every week on Zoom&nbsp;<a href="https://zoom.us/meeting/register/upEpf-ygrTIrfrplKnpKRQkOWLXQuA4X3A" rel="noopener noreferrer" target="_blank" style="color: rgb(131, 131, 131);">register here.</a><a href="https://www.firstintuition.co.uk/about/" rel="noopener noreferrer" target="_blank">﻿FI</a> has a goal to develop financially fluent professionals who can make an impact for talent hungry employers.<a href="https://www.firstintuition.co.uk/contact/" rel="noopener noreferrer" target="_blank">Get in touch </a>

First Intuition-  Nobody’s Perfect - The Battle Between Wanting Perfection or Progression

In this episode of our Student FI Podcast directors and tutors, Ben Bullman and David Malthouse will be discussing how to deal with changes to your studies that you can't control.&nbsp;Our bookclub podcast competition is still running! Listen out for the details at the end of this episode!&nbsp;If you want to be part of our live audience and get your questions answered we go live on Wednesday at 6 pm every week on Zoom&nbsp;<a href="https://zoom.us/meeting/register/upEpf-ygrTIrfrplKnpKRQkOWLXQuA4X3A" rel="noopener noreferrer" target="_blank" style="color: rgb(131, 131, 131);">register here.</a><a href="https://www.firstintuition.co.uk/about/" rel="noopener noreferrer" target="_blank"> FI</a> has a goal to develop financially fluent professionals who can make an impact for talent hungry employers.<a href="https://www.firstintuition.co.uk/contact/" rel="noopener noreferrer" target="_blank">Get in touch </a>

First Intuition -  Ch Ch Ch Channges - How to deal with Changes

In this episode of our Student FI Podcast directors and tutors, Ben Bullman and David Malthouse will be talking to FI tutor Ian Thoroughgood on how sleep can affect your everyday performance and his tips on getting a good nights sleep without the need of sheep!If you want to be part of our live audience and get your questions answered we go live on Wednesday at 6 pm every week on Zoom&nbsp;<a href="https://zoom.us/meeting/register/upEpf-ygrTIrfrplKnpKRQkOWLXQuA4X3A" rel="noopener noreferrer" target="_blank" style="color: rgb(131, 131, 131);">register here.</a><a href="https://www.firstintuition.co.uk/about/" rel="noopener noreferrer" target="_blank"> FI</a> has a goal to develop financially fluent professionals who can make an impact for talent hungry employers.<a href="https://www.firstintuition.co.uk/contact/" rel="noopener noreferrer" target="_blank">Get in touch </a>

First Intuition-  Counting Sheep - The Importance of Sleep

During April 2020, Stackline released its report on&nbsp;<a href="https://www.stackline.com/news/top-100-gaining-top-100-declining-e-commerce-categories-march-2020" rel="noopener noreferrer" target="_blank" style="background-color: transparent; color: rgb(51, 122, 183);">“Top 100 Fastest Growing &amp; Declining Categories in E-commerce”</a>. The company reviewed E-commerce sales across the U.S. and at SocialB we have had some discussion and debate about the list.In the midst of the coronavirus crisis, many of our conversations have been around the amazing ingenuity of companies “pivoting” to offer their goods and services to isolated customers with new focus and priorities. But what about the categories Stackline had found to be the fastest declining, have they been able to revise and revisit their offers?Lynsey &amp; Simon chat through the examples and what some of the declining sectors could have done.Please contact our team to discuss how we can support your business with our digital marketing services.Call us on&nbsp;+44 (0)1223 258000&nbsp;or fill in the <a href="https://socialb.co.uk/contact-us/" rel="noopener noreferrer" target="_blank">contact form </a>and we will get back to you shortly.

Ecommerce – is there any hope for those with declining sales

If you think influencer many people automatically think B2C.&nbsp;Well, you'd be wrong, there are plenty of B2B influencers out there!B2B purchases have always revolved around word of mouth and influencer marketing. Social media has built on this with influencers now having access to a much wider audience, which can only be a good thing when it comes to B2B influencing marketing, but it’s not the only way forward.Respected and knowledgeable influencers are not always easy to come by, and B2B influencers are not as easy to find as B2C influencers potentially.&nbsp;You can’t just Google them and they are very unlikely to have influencer in their title.Lynsey &amp; Ollie chat through who B2B influencers are, how you can find them alongside how to work with them.&nbsp;&nbsp;Lots of insight, actionable tips, and lots of ideas of how B2B organisations could be taking advantage of this underutilised opportunity.We hope you enjoy our podcast, do let us know how you get on with improving your website.Best Wishes&nbsp;LynseyPlease contact our team to discuss how we can support your business with our digital marketing services.Call us on&nbsp;+44 (0)1223 258000&nbsp;or fill in the <a href="https://socialb.co.uk/contact-us/" rel="noopener noreferrer" target="_blank">contact form </a>and we will get back to you shortly.

Who Are B2B Influencers & How To Work With Them

How would you feel if your business was accused of racist behaviour for a post you didn’t share? This situation was played out on Instagram (initially) in early October 2020, when a personal fitness instructor shared a new workout that he was launching in the Luton &amp; Dunstable branch of the gym.Lynsey &amp; Ed chat about the incident along with sharing how it could have been avoided/prevented.&nbsp;We also chat about other examples of where social media posts have caused difficult situations but also the positives that have come from it.We hope you enjoy our podcast, do let us know how you get on with improving your website.Best Wishes&nbsp;LynseyPlease contact our team to discuss how we can support your business with our digital marketing services.Call us on&nbsp;+44 (0)1223 258000&nbsp;or fill in the <a href="https://socialb.co.uk/contact-us/" rel="noopener noreferrer" target="_blank">contact form </a>and we will get back to you shortly.

 How to Avoid Going Viral for the Wrong Reasons

<h2>The Transcript of The Micro Pod Episode 1: Why Micros, Why Side Hustles and Why Me</h2>Hello, and Welcome to The Micro Pod. My name’s Kathy Ennis.This is a podcast for people who are running a micro-business or thinking about running a micro-business. Maybe those people that are running a business on the side of full-time work (the side hustlers out there) and those people that are perhaps solopreneurs, freelancers.So basically, it’s for people who run small businesses, ultra-small businesses but with brilliant and big ambitions.<h2>Th Context</h2>As this is the first episode of my podcast and I thought that I would put all of this into context for you. Because, when you’re hearing people talk about things that are there to help you grow, develop in whatever area that you want to, I think it’s a really good idea to have an understanding of how they got to be where they are at the moment.So that’s what I want to do with you today. I want to actually talk about what got me to where I am and how it is that I’ve ended up working with businesses in the way that I do.<h2>In the Beginning</h2>I didn’t start out to be an entrepreneur, I had no idea that I would be running my own business at any point in my life. That was the furthest thing away from my mind – ever. And it was, as with a lot of things in many people’s lives, it was a combination of chance and things happening to me.I had a pretty inauspicious start back in the 1970s. I went to a half decent school. Not very much was expected of me, I must say. It was in the time when kids here in the UK first got the opportunity to go off to university. And in those days they were supported to go to university as well.I don’t think it was expected that that’s what would happen to me, because it never happened to anybody in my family. But through one thing and another things happend to work in my favour. I managed to get a few half-decent exam qualifications and ‘hey presto’ there I was off to do a degree. A degree which I loved, absolutely loved, but it fitted me for absolutely nothing because it was non-vocational.I ended up studying a whole variety of things, including films. That meant that for at least two years of my three-year degree, I was sitting in the dark, which was just absolutely lovely. But I came out of there and it was “where do I get a job?”<h2>Into the Workplace</h2>It was right in the heart of a recession. I ended up getting a job – and I didn’t really know at the time, but it was something that I suppose I could say was my vocation – I ended up getting a job in my local public library. And I absolutely loved it.I went off after that and I did my professional information qualifications, and I worked in further in higher education for nearly 20 years. And then after that, I was fortunate to get a job working for a professional body. And I spent nearly 10 years with them.So, if you’re doing your maths and adding things up, it was around about my 40th&nbsp;birthday that you could say that I entered the world of entrepreneurship. That’s when I started my first side hustle.<h2>Me and My Side Hustle</h2>I was working full-time. I couldn’t afford to leave my job, there was no way I could do that. And actually, even then at that time, I didn’t realise that what I was doing was starting a business. I thought I was doing something that I really liked. I was involved in something that I really enjoyed doing. And that then would bring me in a little bit of extra income.I don’t know if there are many people out there who feel exactly the same way. It’s a hobby that turns into something that you might start charging people for.The one thing that I will say is that very quickly, it became an obsession with me. And I loved doing that far more than I loved doing the day job.It did take me quite a few years to get myself to the point where I could leave the day job and support myself through the money that I earned in the business. And there were few ups and downs on the way, but that’s basically the genesis of where my business started.An inauspicious childhood, 20 to 25 years of a career and then it was into business.<h2>Into Business Full-Time</h2>I’m sitting here talking to you now and I’m in my early sixties, so I have been running my businesses (because there have been three of them now) for the last 20 years.In fact, this is my 21st birthday is so hey, happy birthday to me.And so, what brings me to what I’m doing today? Well, it’s actually that experience. Because yes, 21 years ago, I started my first side hustle, it took me about eight to 10 years to work it out so that I was then actually able to go at it full-time. But even when I did that, it was difficult.When I left university, I came out into a job market that was in the middle of a recession. When I started my business as a micro-business, I moved from side hustling into the business being the full-time thing.Yeah, it was lovely. I got paid money to leave my job. I took my redundancy money and I was as happy as Larry – and then another recession hit.<h2>This is Where the Trouble Started</h2>And interestingly, all of my clients disappeared almost overnight.At that time my business was in training and personal development. And the first thing that happens in a recession with most organisations is that they cut all unnecessary spending&nbsp;– and one of those is training.Where things had actually been going really well, they started going really wrong. What I can say now – and I say it to all of the people that I work with is – business is nothing but a series of curveballs.One of the key things when I’m working on business planning with business owners is to talk about risk management; to identify what could go wrong.This comes very much from this point of view; things go wrong. Things go wrong for lots of businesses, so part of my job is to try and prepare them for that.I had no way of dealing with what went wrong because I had, at that particular point in time, I had no experience. I didn’t have a network around me.The way the world is today where we can network face-to-face (maybe not right now) and we have all of the virtual things that are available to us. At that point in time, when I first started, those things weren’t there. There wasn’t the amount of information, or easy access to the information you need for business.It was quite a difficult time. Where do you go? Who do you turn to?An interesting time to be starting a business by somebody who is incredibly naive about business. But I think that’s the biggest strength that I’ve got. If things could go wrong, they went wrong for me. What I had to do is find methodologies for getting myself out of the wrong and into the right.When I’m working with a client now, what I do is, I help them not by telling them what to do, but giving them examples and talking through with them what possibly they could do, what would fit with them, what would fit with their personality? How would they manage those kinds of things?So, yeah, lots of things went wrong. There were lots of ups, some really nice times. There were quite a few downs.With downs, things seem to come up all at the same time.I took my redundancy, recession hit. My redundancy money didn’t last very long, financially we were really quite tight at home and then an awful thing happened – my pension was defrauded. So, everything that I’d prepared myself for the future, almost 30-years worth of investment into a pension, was gone overnight.It was a really, really dark time financially and emotionally.<h2>The Light Bulb Moment</h2>But it was when I hit that bottom point that the light bulb came on. What the light bulb was about was the fact that I was doing all the things the textbooks said I should be doing when running a business – but I had no business. I wasn’t actually really running a business.I wasn’t treating my business as an entity. It was still almost as if it was a side hustle.When I was running my side hustle, I was working full-time. I had a regular salary coming in. So, if I didn’t make money in the business, it didn’t really matter because the salary was coming in. If I made a loss it didn’t really matter, I’d enjoyed what I was doing.But what I needed now was to get serious about it because things&nbsp;were&nbsp;serious, and I needed to start making some money and paying my own way.<h2>Putting the Business Into My Business</h2>I’m incredibly lucky that I’ve got a hugely supportive husband who has been my rock through all of these years. That is very much a plus point, But I had to get serious about what I was doing.The thing that I realised is that business is actually really quite simple.You have to be able to do two things.You don’t have to be extraordinarily clever. You don’t have to be fascinating. You don’t have to be mega creative.What you do need to be able to do is add up – because numbers in business matter – and you do have to be able to plan.That was really my light bulb; that’s what I realised.Although I’d been doing this stuff for quite a long time, I didn’t really understand how businesses worked. I didn’t understand how to plan. And I didn’t understand how to, within the business plan, plan for the amounts of money coming in and the amounts of money going out.Now to some of you that might sound, “What, she’s a bit daft. What does she mean she didn’t know those kinds of things.”But you’d be surprised the number of people that I come up against on a day-to-day basis who make up a price because they think that’s what people are going to pay rather than thinking about:<ul><li>How much does my business cost?</li><li>How do I build my pricing around what it is I do?</li><li>How do I build it around the level of experience and expertise that I’ve got?</li></ul>So, it might sound simplistic but it actually isn’t.That was my light bulb moment. I needed to understand how numbers worked in my business and I needed to understand how to plan my business. So, I made it my job to go and do that.<h2>How Business Planning Saved the Day</h2>I found that most of the business planning processes that were out there were not written for a business like mine. They were written for businesses that were going to be hiring staff, maybe had premises and probably go out somewhere to finance for business start-up or business growth.I wasn’t a business like that.I’m a micro-business. I am the business. I’m the chief cook and the bottle washer. If it doesn’t get done by me, it doesn’t get done. Okay, these days I do outsource some things but at that point I couldn’t afford to, I had to do it all myself.That’s why that planning wasn’t suitable for me.I had to ingest all this business stuff and then start thinking about how would I do it in a business like mine?I needed to think about:<ul><li>my products</li><li>my prices</li><li>my customers</li><li>how I get my message out to my customers</li><li>how can I do all of these things that within a business like mine, where I’m the person that’s in charge and I’m the person responsible for doing everything?</li></ul> I started to develop my own planning process and that worked. I also started to be much more systemized and systematic in what I did. I introduced automations and processes so that I wasn’t reinventing wheels all the time.That’s the worst thing as a sole businessperson, when you’re on your own having to do things over and over and over again or repeating things. If you can put process in place that allow you to get on with what you do best and they take care of themselves in the background – that’s really what you should be doing.That’s what I did in my business. I took the numbers much more seriously and I developed my own version of business planning.Then interesting things started to happen. My business started to become more successful.I was still engaged in things to do with personal development. I was working within the concept of a personal branding. I was helping people understand how to promote themselves and delivering training on things like public speaking and effective networking.That’s when an interesting thing started to happen. People I networked with – other business owners – would say, “Kathy, can we go and have a cup of coffee and have a chat? I’ve got a bit of an issue. I know that you do this, I’d like to talk to you about how you do it and how I might be able to introduce that kind of thing into my business.”<h2>Enter Kathy, the Business Mentor</h2>I would go out for a cup of coffee, sit in a coffee shop, have a cup of coffee. I’m very visual person, so I’d probably grab a napkin and I’d draw a diagram on it for the person and say, “Do this, do that, do the other thing.” And they’d go off and they’d start doing that thing and they’d start getting more successful.I remember a friend saying to me one day – after I had said “Oh, I’m so busy. I haven’t had time to do….” (I can’t even remember what it was now) – “ Where are you spending your time?” I explained to them and they said, “So how much are you charging for that?” And I said, “What do you mean?” And they said, “Well, people are making use of your knowledge and your understanding. So what are you charging for that?” I said, “Nothing.” And they said, “You’re daft.”And I thought, “I am daft?”!I thought, actually, I’m offering a service here. It’s based on what I’ve learned about business, what I’ve learned about planning and what I’ve learned about managing the money in my business. It’s based on the things that I’ve attempted and have gone wrong and the things that I’ve done and have gone right. I’m saving that person grief, time, effort and money by the benefit of that experience and some of that guidance that I’m giving.So, I spoke to somebody about that and said, “What do you think I’m doing?” And they said, “You are mentoring. It’s not coaching because there’s too much bossiness!” After that I started investigating this concept of ‘business mentoring’.I found the&nbsp;<a href="https://www.associationofbusinessmentors.org/" rel="noopener noreferrer" target="_blank" style="background-color: initial; color: rgb(242, 4, 91);">Association of Business Mentors</a>&nbsp;and I became a member of that. I did my qualifications with them and then I gained accreditation with&nbsp;<a href="https://coach-accreditation.services/" rel="noopener noreferrer" target="_blank" style="background-color: initial; color: rgb(242, 4, 91);">International Authority of Professional Coaching and Mentoring</a>.That’s what I spend my time doing now. I work with micro businesses, side hustlers, freelancers, consultants; your proverbial what might have been called ‘one-man-bands’.The businesses I work with can be any type of business. A Pilates teacher, a nutritionist, somebody who sells courses, oh goodness me, “the world is your lobster” as my dad used to say.The thing that holds them together is that it’s generally either one person running the business – being everything in the business – or very few people.I work with them to help them be as successful as they can. I made all the mistakes so they don’t have to, that’s what I always tell them. I act as a helicopter on their business. I’m invested in them as individuals but I’m not invested in their businesses. Because I am outside I can actually see what’s happening, probably clearer than they can because they’re so entrenched in it.So, that’s the thing that I do. My biggest, biggest, biggest learning – the thing that I talk about all of the time and I advocate hugely – is that businesses will succeed if they are planned.I don’t mean that one you take off to the bank, but I do mean that one that says, “This is my objective for the year.” And it has to be measurable. It can’t be anything else. If you can’t measure it, it’s just a wish. “This is my objective or objectives for the year. These are the steps I’m going to take to get there. This is how I’m going to measure what actually happens so that I can make adjustments along the way. And these are the systems and processes that I’m going to put into my business.”I think that it for me. That’s the thing that will make micro-businesses, side hustle businesses, consultant businesses, solopreneurs, freelancers – call it what you will – those businesses that are generally one person operated. That’s what will make them successful.<h2>Me and My Podcast</h2>I’m going to be sharing in my podcast information to help businesses like that, I’m going to be doing some how tos, I’m going to be helping as much as I possibly can businesses on the very micro side be very macro with their product services. And, because I don’t think it’s a dirty word, their profit.I hope you found this useful. I hope it’s given you a bit of background as to where I’m coming from in terms of what this podcast is about. And I look forward to you joining me on some of my future episodes.Thank you very much for joining me. Until next time.

The Micro Pod Episode 1: Why Micros, Why Side Hustles and Why Me

<h2>The Transcript of The Micro Pod Episode 2: Busting Some Micro Business Myths</h2>Hello, my name is Kathy Ennis. Welcome to this edition of The Micro Pod.In today’s edition, I want to do a little bit of myth busting about Micro businesses. So let’s get into the first things.<h2>What is A Micro Business?</h2>Firstly, what is a Micro business as this is something that taxes people’s brains sometimes. However, there is a very specific set of definitions about what constitutes a micro business in the UK.When I started my business over 20 years ago, we had Small, Medium, and Large enterprises. And they were defined by the number of people that they employed. So, a Small business was designated as a business that employs between one and 49 people; a Medium enterprise employed 50 to 249; and a Large business employs 250+ people.,As I said, I started my first business over 20 years ago. And, being a solopreneur, a one person business, I sat – or I thought I sat – within the Small business umbrella, because, you know, it’s one to 49. So obviously, Small business applied to me, right?But what I found was that it didn’t always marry with the reality of my life as a business owner; the way I ran my business, and the sorts of things that I had to do in order to make my business successful. And it was pretty frustrating. You know, you’d go along to events, and they would talk about how you might manage things in your business. And I could quite honestly say “I can’t do that, I don’t have the time, I don’t have the resource and, actually, I don’t have the staff.” Because I didn’t have the knowledge and skills for some of the things that they were talking about.So it made it really difficult for me to get to grips with the kinds of support and information that I was being given in terms of the type of business that that I was running.This is what really got me thinking about the types of businesses in the UK that were like mine. Businesses that were perhaps one or two people running something, maybe even running them in their back bedrooms. But it wasn’t the location of the business that was the key. It was the ambition of the business.The fact that I wanted control over what I did and how I did it. I didn’t ever want to employ anybody. I have been I’d been in employment myself, I’ve managed people, and I didn’t want to go back into that again. I wanted to continue doing the thing that I love to do. When I was an employee, the problem that I had (and this isn’t blowing trumpets at all) because I was good at certain things I got promoted. The problem was the promotion meant that I moved away from doing the thing that I loved, and I didn’t want that in my in my business.I wanted to stay on my own and outsource to other people, the things that I couldn’t do. I think a lot of other business people are in the same state as me.That that was the environment that I found myself in.<h2>The State of Small Business Britain</h2>Meanwhile, all of the newspapers, the reports, the things coming out from government, we’re talking about SMEs, SMEs, SMEs – which didn’t apply to me. Then, back in 2018, there was a report published that solidified some of the things that I’d been concerned about. It was called&nbsp;The State of Small Business Britain. In that report, there was a nice chunky section about Micro businesses.What had started to happen was that the SME description had started to become SMME – Small, Medium and Micro Enterprises. So here we are, all of a sudden, there’s a recognition that there is something smaller than Small. We’ve got we’ve got the Micro.What we have now, in terms of size definitions of businesses, a Micro business is designated as 1 to 9 people, Small 10 to 49, Medium 50 to 249, and then 250 and above is Large. Now there is a definitive definition of a Micro.Interestingly, looking at that report, one of the things that it did highlight is that over 90% of the businesses in the UK fall within the Micro category; they fall within that space of 1 to 9 people, which makes them an incredibly powerful force.Within that, what you have are businesses that have a Founder, or maybe a partnership and some with staff. So up to nine people.You also have people like me. The one person business. You have people who describe themselves as freelancers, consultants, solopreneurs. Basically, it’s everybody who is responsible for putting their own salary into their own bank account.; that runs a business in a businesslike way (hopefully); with fewer than nine people.That’s a Micro business.As I say, over 90% of the businesses in the UK fall into that category. And, interestingly – back to that report again – in 2017 Micro businesses accounted for a £552 billion in sales contribution to the UK economy.<h2>Myth One: A Micro Business is the Same as a Small Business</h2>So, in terms of myth busting, the first myth that I want to bust is that a Micro business is the same as a Small business. It’s not, they are different.The way a Micro business is structured; the way that they are set up; the way they operate (because of their size) is different to a Small business.I will say that I do love a stat. Of that 90%+ of businesses in the UK that are Micros, 80% of them are businesses run by two people or fewer. This means we have a massive number of businesses in the UK that are run by two or, most likely, one person.The way&nbsp;that&nbsp;business runs, the way it responds to what it needs to do, the way it sells, the way it engages with customers is going to be different to the way a Small business does.I mean, for goodness sake, let’s just take the idea of having departments to do things in a business, I must say I am the department. If something needs to get done, I need to make sure it gets done. I don’t have a marketing department, I don’t have an accounts department, I don’t have a sales department. These days, I do outsource to people, because I believe it when I say “do what you do best and outsource the rest”. But in the beginning, I couldn’t afford to, so I was ‘the business’ and all of the departments were within me. If I didn’t do it, it didn’t get done.That’s why I really want to get rid of that that myth that Micros are the same as Small. Can we learn from what small businesses do? Absolutely!. We can learn from what Small, Medium and Large businesses do. We can learn from what they do in terms of the organisation of the business, we can think about how we organise our time or organise our mindset in terms of getting things done in the business.The other thing is to recognise is that, as a Micro, we won’t necessarily have somebody who is giving us a push in the right direction. As a Business Mentor, that’s part of my role with businesses that I work with. And I do work with Micro Businesses. And I often say to them, my role is “ a brain to pick an ear to listen and a push in the right direction”. But as a Micro Business person, sometimes you might wake up and think, oh, I don’t really don’t want to do that today. And the choices are don’t do it today or ‘I have to do it today because, if I don’t do that thing today, I won’t have a client tomorrow’. So yeah, we do need to think about that. If you’re a small business, if you’re a medium business or a large business, the work goes on whatever. So we need to work things into our micro businesses that makes that happen.<h2>Myth Two: A Micro Business is a Lifestyle Business</h2>Here’s the second thing that I want to myth bust.This isn’t aimed at Micro business owners. It’s aimed at some of the people outside the Micro business community. It’s aimed at those that say a Micro business is a lifestyle business.I have had that said to me so many times by people.My business is not a hobby. It’s not something that just passes the time because you know, I’m a lady who lunches, and I just want to do this little thing to get my name out there or to keep me occupied.A Micro business is a business. And the people that are running them are running them for exactly the same reasons that other people are running businesses of other sizes. It’s something that they’re passionate about, it’s something that they want to do. And it’s something that they want to bring out to the community that they call their customers or their clients.It is not, it is not a lifestyle business.There are over 4 million Micro businesses in the UK, are they all run perfectly? Are they all making a profit? Absolutely not. I’m on a mission, I suppose to get as many of them to do that as possible. But the fact is, that somebody who is running a Micro business is actually running a business, it just happens to be ultra-small. And just because sometimes the powers-that-be can’t understand that, or they don’t have a perception of that, doesn’t mean that these businesses are hobbies.On the other side, we, as Micro business owners then need to take a serious business approach to our businesses. Because if we if we approach them in a laissez faire, “Oh, I didn’t really know I had to do that way”, then we will not be as successful as we could, or should, be.So, it behoves us as Micro businesses to understand how business work, to make our businesses more successful and more profitable for us. At the end of the day, it is a benefit to us to do that.And it’s a benefit to our wider communities. If we are successful, that means that we’ve got money to oil the wheels of the rest of the economy.So that’s the second myth busted; a Micro businesses is not a lifestyle business.<h2>Myth Three: Micro Businesses Don’t Need a Business Plan</h2>The third myth I want to bust – and this comes from a very personal and my own business viewpoint – is that Micro businesses don’t need a business plan.Micro businesses don’t necessarily need what might be seen as the traditional business plan. That’s the very full business plan that you’d need to take out if you were going to get finance for your business. You might be taking it to a bank or an angel investor or something like that. It’s a very research driven and financially strong document. Something you would take out to prove to somebody that it is a viable business and that if they invest in it they will get their money back.Micro businesses do need to plan.There are some micro businesses that need that traditional business plan because, although they’re small, and they’re aiming to stay small in terms of the size, the number of people operating within the business etc. But they’re not intending to say small in terms of the turnover of that business. I’m thinking perhaps about tech type companies that that sort of thing. They can get very large and very profitable very quickly. So the traditional investment-driven plan would be needed by them.But for the vast majority of Micros, that 80% of businesses that operate with two or fewer people, they may not need a business plan of that nature. But they still need to plan. Because without sitting down and thinking about:<ul><li>What is my business?</li><li>What is my vision?</li><li>What are my business values?</li><li>What is my brand?</li><li>What message am I trying to send to people?</li></ul>Without writing all of this down it’s going to be almost impossible to attract the right type of customer to pay the sort of money that you need for your products and services.Another thing about planning is that it’s for today, it’s for the future.So, with traditional business planning, many people may create something that is for a year, or maybe two or three. I always like people to think a little bit further than that. I like my clients to think about where they want to be in five years from now. The method they use, rather than working forwards from where they are now is to work backwards from where they want to be in five years. This will help them see what have to do on a day-to-day basis to reach their goals.So a Micro business business plan should be about<ul><li>This is why I’m doing what I’m doing</li><li>This is who I’m doing. doing it for</li><li>This is why what I’m doing is of value to the people that I’m doing it for</li><li>This is what I want to get out of the business I am running it</li><li>This is where I want the business to take me</li></ul>My strapline in my business is&nbsp;Taking Businesses from Passion to Profit&nbsp;In the Micro business arena there is masses of passion. But there’s not always that leap from passion through to profit.My firm belief is that the missing link between passion and profit is planning.If a Micro business doesn’t plan and commit to objectives – to say ‘this year I want my turnover this year to be x’ – it’s impossible to know how many clients you need, how many of those widgets you need to sell, the kinds of marketing activity you need to integrate into what you’re doing.So, planning is an intrinsic part of being a Micro business.It allows the business owner to know exactly what they should be doing on a day to day basis. It allows them to plan their time. And it allows them to understand which tasks they can do, and which ones they’re going to need to outsource.So for me, those are the three big myths that I wanted to bust in this podcast.<ul><li>If you’re a Micro, you’re not the same as a small</li><li>If you’re a micro, you are not running a lifestyle business, and</li><li>If you’re a micro you do need a business plan, but it doesn’t have to be difficult.</li></ul>Thank you so much for listening. Thank you so much for being here today.As I said, my name is Kathy Ennis, my business is LittlePiggy. I’d love to talk to you. If you like to talk about anything that you’ve heard in this podcast, please&nbsp;<a href="https://calendly.com/littlepiggyuk/breakthrough" rel="noopener noreferrer" target="_blank" style="background-color: initial; color: rgb(242, 4, 91);">get in contact</a>.Until next time, Kathy Ennis, from LittlePiggy signing out of The Micro Pod.

The Micro Pod Episode 2: Busting Some Micro Business Myths

Richard Bridgman was awarded an OBE for his tireless efforts to help young people onto the employment ladder. His company Warren Services in Thetford have used apprentices over many years, to great success - listen to his story and the lessons we can all learn from his endeavours.To find out more about the Business Growth Club and its growing online community, go to<a href="https://www.businessgrowthclub.net/" rel="noopener noreferrer" target="_blank">www.businessgrowthclub.net</a>We think you may also find this interesting: <a href="https://www.norfolkknowledgehub.co.uk/video/24505" rel="noopener noreferrer" target="_blank">Apprenticeship Levy Transfer Interview</a>

How apprenticeships have been key to Warren Services

An interesting perspective from a dual nationality British/Swiss national, who has lived and worked in both countries with a surprising viewpoint!To find out more about the Business Growth Club and its growing online community, go to<a href="https://www.businessgrowthclub.net/" rel="noopener noreferrer" target="_blank">www.businessgrowthclub.net</a>We think you may also find this interesting: <a href="https://www.norfolkknowledgehub.co.uk/article/27360" rel="noopener noreferrer" target="_blank">Understanding your mindset</a>

What can the Swiss teach us about Business? What can the Swiss teach us about Business?

This episode of the Your Recipe for Financial Success podcast was published on 30th July 2020. You can listen again by heading to our Episodes page, or on your favourite podcast player.In this episode, the team slice up and share their favourite budgeting tips, sprinkled with an anecdote or two. Which ideas are you going to pour into your mixing bowl?<h2>Episode Highlights</h2><h3>Top 5 Budgeting Tips</h3><ol><li>Put money into your savings account on the day you are paid, or just after.</li><li>Putting money aside at the beginning of the month means you can’t accidentally spend the money you were supposed to save!</li><li>Look back over your bank statements to see exactly where your money goes.</li><li>What do all your transactions relate to and did you really need to make them all?</li><li>Check your direct debits.</li><li>If you have money going out monthly but you don’t know what it’s for, or if you are paying a subscription for something you no longer use, cancel them!</li><li>&nbsp;Set up a separate account for your bills.</li><li>This is especially handy if you are living with your partner. You can both put money in for bills, rent and food whilst keeping your own money for personal bills and spending separate. Pay into your joint account when you get paid so you know the monthly outgoings are covered.</li><li>Check to see if your bank account has a ‘save the change’ feature.</li><li>Some accounts will allow you to round up your transactions to the nearest whole pound by saving the extra pennies.</li></ol>So, money bakers, hopefully our 5 top tips for budgeting have given you a little food for thought. There could be an ingredient in there which you will take away and put into practice, or maybe you already put in to practice some of our ideas, in which case – good for you!<h3>Bonus Tips</h3><ul><li>Take on the penny challenge.</li><li>On day one you save 1p, on day two you save 2p on day three its 3p, day four is 4p, and so on, so forth. By the last day of the year you will save £3.65. If you stick to this pattern every day you should have £667.95 saved up – not bad, hey?</li><li>Don’t pay full price.</li><li>If you are looking to buy yourself something new, try to avoid paying full price. Check for discount codes and use cashback websites when ordering online.</li><li>Save your coins.</li><li>Fill a good old fashioned money box with coins and see how much it can hold.</li><li>Download apps like&nbsp;<a href="https://emma-app.com/" rel="noopener noreferrer" target="_blank" style="background-color: initial; color: rgb(187, 47, 75);">Emma</a>,&nbsp;<a href="https://www.yolt.com/" rel="noopener noreferrer" target="_blank" style="background-color: initial; color: rgb(187, 47, 75);">Yolt</a>&nbsp;and&nbsp;<a href="https://www.moneydashboard.com/" rel="noopener noreferrer" target="_blank" style="background-color: initial; color: rgb(187, 47, 75);">Money Dashboard</a>&nbsp;to keep track of your money.</li><li>They are really useful for keeping tabs on your cash by seeing all of your accounts in one place, keeping on track with your savings and avoiding overdrafts, for example.</li></ul>If you have any other tips or tricks for budgeting and saving you would like to share, why not head to our&nbsp;<a href="https://www.facebook.com/recipeforfinancialsuccess/?epa=SEARCH_BOX" rel="noopener noreferrer" target="_blank" style="color: rgb(187, 47, 75);">Facebook page</a>&nbsp;and join the discussion?We think you may also find this interesting: <a href="https://www.norfolkknowledgehub.co.uk/article/27356" rel="noopener noreferrer" target="_blank">The basics of cash-flow forecasting</a>

Essential Recipes: Five Top Tips for Budgeting

The majority of the UK have not made a Will, which seems a tad bizarre as we are all going to die at some point, we just don't know when! We explore with Natalie Chapman, legal expert for Trusted- Wills, what happens if you die without a Will and what steps we all need to take to protect our loved ones. Promise it is not morbid!To find out more about the Business Growth Club and it growing online community, go to<a href="https://www.businessgrowthclub.net/" rel="noopener noreferrer" target="_blank">www.businessgrowthclub.net</a>We think you may also find this interesting: <a href="https://www.norfolkknowledgehub.co.uk/audio/5100/26381" rel="noopener noreferrer" target="_blank">Why it's important to have a will </a>

 We plan our life, so why not plan for our death?

By being authentic and genuine, just who you are and people will relate to you - that's what building a personal brand is all about. Social media expert Chris Reeve reveals his top tips and how to stand out in today's crowded social media space.To find out more about the Business Growth Club and its growing online community, go to<a href="https://www.businessgrowthclub.net/" rel="noopener noreferrer" target="_blank">www.businessgrowthclub.net</a>We think you may also find this interesting: <a href="https://www.norfolkknowledgehub.co.uk/article/27548" rel="noopener noreferrer" target="_blank">The value of Personality tests</a>

Why Building A Personal Brand Is Vital - Chris Reeve Reveals All!

This episode of the Your Recipe for Financial Success podcast was published on 10th September 2020. You can listen again by heading to our Episodes page, or on your favourite podcast player.In this episode, Emma, Julie and Becky are sieving through all you need to know about banks and building societies. It’s an essential recipe for anyone looking to get a grip on their personal finance.<h2>Episode Highlights</h2>Banks are owned by shareholders.Any profit the bank makes is shared between the shareholders in dividends.A Building Society is owned by its members.Those with a savings account or mortgage (members) own a small part of the building society, so should benefit from the profit.Are there any risks with bank accounts and building societies?<ul><li>Interest rates don’t keep up with inflation.</li><li>Risk of default. This is the risk the bank will run out of money and wont be able to pay you the savings interest rates they promised. The FSCS protects you and your money against this, up to the amount of £85,000.</li></ul>What should you use a bank account for?<ul><li>Current accounts are ideal for holding your income. Use them for your everyday outgoings, such as the weekly shop or buying the school uniform.</li><li>Savings accounts should be used for short-term savings, to be used over the next few years. This could be money for a summer holiday, Christmas presents or some new windows.</li><li>Have an emergency fund to cover unexpected costs. Try and set aside 3 months worth of wages to be used only for an emergency. This could be used if you need a new boiler or find yourself out of work.</li></ul>How to find the best bank or building society accountThere are so many accounts on offer, and they change all the time. To find the best account to suit your need ask yourself a few questions:1. Are you planning on using it for spending or saving?2. Will you need instant access to your money?Then, use a comparison site like&nbsp;<a href="https://moneyfacts.co.uk/" rel="noopener noreferrer" target="_blank" style="color: rgb(187, 47, 75); background-color: initial;">Moneyfacts.co.uk</a>&nbsp;or&nbsp;<a href="https://www.moneysupermarket.com/" rel="noopener noreferrer" target="_blank" style="color: rgb(187, 47, 75); background-color: initial;">MoneySuperMarket</a>&nbsp;to find the best option for you. Always make sure the provider of the account you choose is regulated by the FCA.So, hopefully you have filled up on everything you need to know about bank accounts! If this has left you inspired to learn another recipe, check out our other podcasts on our&nbsp;<a href="https://www.recipeforfinancialsuccess.co.uk/episodes/" rel="noopener noreferrer" target="_blank" style="color: rgb(187, 47, 75); background-color: initial;">episodes page.</a>Don’t forget about our&nbsp;<a href="https://www.facebook.com/recipeforfinancialsuccess/?epa=SEARCH_BOX" rel="noopener noreferrer" target="_blank" style="color: rgb(187, 47, 75); background-color: initial;">Facebook page</a>&nbsp;too where you can ask questions and join in discussions about all of our topics. We look forward to chatting all things personal finance with you!We think you may also find this interesting: <a href="https://www.norfolkknowledgehub.co.uk/video/26172" rel="noopener noreferrer" target="_blank">Five steps to planning your finances</a>

Essential Recipes: Control your Money after Lockdown

This episode of the Your Recipe for Financial Success podcast was published on 10th September 2020. You can listen again by heading to our Episodes page, or on your favourite podcast player.In this episode, Emma, Julie and Becky are sieving through all you need to know about banks and building societies. It’s an essential recipe for anyone looking to get a grip on their personal finance.<h2>Episode Highlights</h2>Banks are owned by shareholders.Any profit the bank makes is shared between the shareholders in dividends.A Building Society is owned by its members.Those with a savings account or mortgage (members) own a small part of the building society, so should benefit from the profit.Are there any risks with bank accounts and building societies?<ul><li>Interest rates don’t keep up with inflation.</li><li>Risk of default. This is the risk the bank will run out of money and wont be able to pay you the savings interest rates they promised. The FSCS protects you and your money against this, up to the amount of £85,000.</li></ul>What should you use a bank account for?<ul><li>Current accounts are ideal for holding your income. Use them for your everyday outgoings, such as the weekly shop or buying the school uniform.</li><li>Savings accounts should be used for short-term savings, to be used over the next few years. This could be money for a summer holiday, Christmas presents or some new windows.</li><li>Have an emergency fund to cover unexpected costs. Try and set aside 3 months worth of wages to be used only for an emergency. This could be used if you need a new boiler or find yourself out of work.</li></ul>How to find the best bank or building society accountThere are so many accounts on offer, and they change all the time. To find the best account to suit your need ask yourself a few questions:1. Are you planning on using it for spending or saving?2. Will you need instant access to your money?Then, use a comparison site like&nbsp;<a href="https://moneyfacts.co.uk/" rel="noopener noreferrer" target="_blank" style="color: rgb(187, 47, 75); background-color: initial;">Moneyfacts.co.uk</a>&nbsp;or&nbsp;<a href="https://www.moneysupermarket.com/" rel="noopener noreferrer" target="_blank" style="color: rgb(187, 47, 75); background-color: initial;">MoneySuperMarket</a>&nbsp;to find the best option for you. Always make sure the provider of the account you choose is regulated by the FCA.So, hopefully you have filled up on everything you need to know about bank accounts! If this has left you inspired to learn another recipe, check out our other podcasts on our&nbsp;<a href="https://www.recipeforfinancialsuccess.co.uk/episodes/" rel="noopener noreferrer" target="_blank" style="color: rgb(187, 47, 75); background-color: initial;">episodes page.</a>Don’t forget about our&nbsp;<a href="https://www.facebook.com/recipeforfinancialsuccess/?epa=SEARCH_BOX" rel="noopener noreferrer" target="_blank" style="color: rgb(187, 47, 75); background-color: initial;">Facebook page</a>&nbsp;too where you can ask questions and join in discussions about all of our topics. We look forward to chatting all things personal finance with you!We think you may also find this interesting: <a href="https://www.norfolkknowledgehub.co.uk/audio/5099/26207" rel="noopener noreferrer" target="_blank">Not all banks are the same, Andy Gray, Business Growth Enabler with Nat West </a>

Essential Recipes: The Benefits of having a Bank Account

This episode of the Your Recipe for Financial Success podcast was published on 24th September 2020. You can listen again by heading to our Episodes page, or on your favourite podcast player.In this episode, Becky and Emma are serving up the ingredients needed to write a will. They take a look at why you need one, when you need one and what should be included in one.<h2>Episode Highlights</h2>Why is it important to have a will?According to Which? in 2018, 54% of UK adults didn’t have a willWills are important as they make sure your assets and estate are given to the people you want them to. You should consider writing a will if you own savings and investments, if you have children/ stepchildren or if you have a partner who you are not married to.Although it’s not the most appealing topic, you should definitely think about it. Writing a will won’t make you die any sooner but it will ensure your wishes are carried out when the time comes.What happens if you don’t have a will when you die?If you die and haven’t written a will, you will die intestate. This means there are a set of rules, called the rules of intestacy, which determines who inherits your assets. This means your belongings may not go to the people you want them to.Below is a flow chart explaining exactly who would inherit your estate should you pass away without a will.<img src="https://www.recipeforfinancialsuccess.co.uk/wp-content/uploads/2020/09/Rules-of-Intestacy.png" alt="A flowchart explaining the rules of intestacy" height="3509" width="2481">What needs to go in a will?There is no right or wrong answer when it comes to writing a will. They are a very individual thing as each person will want different things.You need to elect an Executor. This is a person who will be responsible for carrying out your wishes and funeral plans on your behalf once you pass away.If you have children under the age of 18 you will want to nominate guardians to care for them. You should also decide at what age they can inherit by using trusts.The most common type of will is a mirror will. Married couples tend to use this type of will, it means their wills would be identical. They would leave everything to each other and then onto their children.We hope that this episode has cleared up all of your questions around why you should have a will. Maybe this was the motivation you needed to get your spatulas in a row and finally put your will in place.If this has left you hungry for another recipe, check out our other podcasts on our&nbsp;<a href="https://www.recipeforfinancialsuccess.co.uk/episodes/" rel="noopener noreferrer" target="_blank" style="color: rgb(187, 47, 75); background-color: initial;">episodes page.</a>Don’t forget about our&nbsp;<a href="https://www.facebook.com/recipeforfinancialsuccess/?epa=SEARCH_BOX" rel="noopener noreferrer" target="_blank" style="color: rgb(187, 47, 75); background-color: initial;">Facebook page</a>&nbsp;too where you can ask questions and join in discussions about all of our topics. We look forward to chatting all things personal finance with you!We think you may also find this interesting: <a href="https://www.norfolkknowledgehub.co.uk/audio/5100/26381" rel="noopener noreferrer" target="_blank">Essential Recipes: Why it's Important to have a Will</a>

Essential Recipes: Why it's Important to have a Will

This episode of the Your Recipe for Financial Success podcast was published on 13th August 2020. You can listen again by heading to our Episodes page, or on your favourite podcast player.In this episode, Becky, Emma and Julie introduce the ingredients needed to rustle up a steaming pot of Income Protection.<h2>Episode Highlights</h2>Would you be able to support yourself financially if you were unable to work due to illness or injury? Or, would the statutory sick pay of £95.85 per week for 28 weeks see you through?No? Well then, you’ll probably want to think about protecting yourself.Income Protection<ul><li>If you are unable to work due to illness or injury, your income is protected and you will still receive money to support yourself. It will pay out until you are able to return to work, or you retire.</li><li>You can choose a waiting period before your policy begins to pay out. The longer you are able to support yourself before needing the pay outs, the lower your premiums are likely to be.</li><li>Income protection is not a one-off lump sum. You can claim more than once on the same policy if necessary.</li><li>If you are working age and you don’t have savings to fall back on or the state benefits wouldn’t be enough to cover your outgoings, you should seriously consider Income Protection.</li></ul>Critical Illness Cover<ul><li>This pays out as a single lump sum payment. It means that you will have to make the money last until you are able to go back to work. If you suffer an injury which means you are unable to work again, this kind of cover may not be suitable. Especially for younger workers.</li></ul>&nbsp;We hope you are full up on everything you need to know about income protection. If it’s left you hungry for more, check out our other podcasts on our&nbsp;<a href="https://www.recipeforfinancialsuccess.co.uk/episodes/" rel="noopener noreferrer" target="_blank" style="color: rgb(187, 47, 75); background-color: initial;">episodes page.</a>&nbsp;Don’t forget about our&nbsp;<a href="https://www.facebook.com/recipeforfinancialsuccess/?epa=SEARCH_BOX" rel="noopener noreferrer" target="_blank" style="color: rgb(187, 47, 75); background-color: initial;">Facebook page</a>&nbsp;too where you can ask questions and join in discussions about all of our topics!We think you may also find this interesting: <a href="https://www.norfolkknowledgehub.co.uk/article/27368" rel="noopener noreferrer" target="_blank">How to get paid on time</a>

Essential Recipes: What is Income Protection? 

This episode of the Your Recipe for Financial Success podcast was published on 19th November 2020. You can listen again by heading to our Episodes page, or on your favourite podcast player.In this episode, Becky, Emma and Julie explain everything you need to know about store cards. If you’re not entirely sure what the deal is with store cards, settle down with a cuppa, we’re about to bake you up a treat!<h2>Episode Highlights</h2>87.9 million people in the UK use a store card. The question is, do they all understand how they work?<h3>What is a store card?</h3>A store card is basically the same as a credit card, but you can only use it in one high street chain or a group of stores that are perhaps owned by the same company. You purchase your goodies on the card and pay for them later, with added interest.<h3>What you need to know about store cards</h3><ul><li>You must be 18 to have a store card</li><li>When you apply for a store card, you have to undergo a credit check. You don’t have to have any credit history to be accepted for a card, though</li><li>It’s important to remember that store cards often have a higher interest than ‘normal’ credit cards</li><li>There are often special offers and discounts on offer when you sign up for a store card. Whether that is in store or online</li><li>It’s worth bearing in mind that store cards are often given out by sales assistants who may not fully understand the implications of what they are telling you to sign up for</li></ul><h3>Charges and costs of store cards</h3>When you’re looking at the interest rate on your store card you need to be looking at the annual percentage rate, which is usually abbreviated to the APR. This is the cost of borrowing, for example, 28.9% APR.&nbsp;You will then be charged a minimum set percentage or fee depending on the terms of your store card. For example, 3.65% of your balance or £3.65, whichever is higher.&nbsp;You could end up paying back more than you spent on the card. Say you bought something for £100 and pay £5 back a month on a 28.9% APR rate, it would take you 17 months to pay back and therefore you will end up paying a total of £132.&nbsp;Remember, the rated on cards are variable so that 28.9% could increase over the time you are paying back the balance of your card.<h3>What if you get in a muddle and can’t afford the repayments?</h3>If you get in a little trouble with your store cards and can’t afford the repayments, there are a few things you can do:&nbsp;<ul><li>Call the lender and ask if you can take a payment holiday. This will pause the interest charges for a month to give you a chance to catch up.</li><li>Another thing that you can do is speak to&nbsp;<a href="https://www.citizensadvice.org.uk/" rel="noopener noreferrer" target="_blank" style="color: rgb(187, 47, 75); background-color: initial;">Citizens Advice</a>, because they can provide you with free impartial guidance to hopefully point you on on the right tracks.</li><li>Speak to a charity like&nbsp;<a href="https://www.stepchange.org/" rel="noopener noreferrer" target="_blank" style="color: rgb(187, 47, 75); background-color: initial;">StepChange</a>. They may be able to help you sort of get out of the position that you’re in.</li></ul>Check out our other delicious podcasts on our&nbsp;<a href="https://www.recipeforfinancialsuccess.co.uk/episodes/" rel="noopener noreferrer" target="_blank" style="color: rgb(187, 47, 75); background-color: initial;">episodes page</a>&nbsp;if you would like to get your teeth stuck into even more tips and information on personal finance. Don’t forget about our&nbsp;<a href="https://www.facebook.com/recipeforfinancialsuccess/?epa=SEARCH_BOX" rel="noopener noreferrer" target="_blank" style="color: rgb(187, 47, 75); background-color: initial;">Facebook page</a>&nbsp;too where you can ask questions and join in discussions about all of our topics!We think you may also find this interesting: <a href="https://www.norfolkknowledgehub.co.uk/article/24666" rel="noopener noreferrer" target="_blank">10 Jargon Busters: finance</a>

Essential Recipes: Store Cards explained

This episode of the Your Recipe for Financial Success podcast was published on 25th February 2021. You can listen again by heading to our&nbsp;<a href="https://www.recipeforfinancialsuccess.co.uk/episodes/" rel="noopener noreferrer" target="_blank" style="color: rgb(187, 47, 75); background-color: initial;">Episodes page</a>, or on your favourite podcast player.In this episode, Becky, Emma and Julie are tempting your taste buds with a little tipple of funds!<h2>Episode Highlights</h2>Here is everything you need to know about Funds, at a glance:<ul><li>What is a fund?&nbsp;A fund is an investment used by investors to pool their money in together with other investors. You buy the fund and the fund manager then selects the underlying shares and holdings which the fund buys and invests in</li><li>What is a share?&nbsp;A share is a piece of ownership in one company</li><li>What is a dividend?&nbsp;A dividend is what investors get paid out of the company profits. These can be linked to how well the company has been doing and can vary</li><li>How many fund are there?&nbsp;There are lots and lots of funds to choose from! Emma did some research and found there are around 9,000 funds globally</li><li>Who do funds invest in?&nbsp;Funds may have lots of different underlying holdings so unbeknown to you, you are probably investing in lots of different companies</li><li>What are Active funds?&nbsp;Within Active funds, the fund manager is looking at the fund and reviewing, buying and selling holdings and actively watching the markets to try and outperform them</li><li>What are Passive funds?&nbsp;Passive funds are designed to track a market index or benchmark. They are usually done by a computer algorithm with less input from the fund manager</li></ul>We hope we have whet your appetite with our tipple of information on funds. Stay tuned in the coming months to learn even more about the recipe for investing, including finding out what exactly attitude to risk is and what asset allocation means.If you would like to get your teeth into even more financial recipes, check out our other podcasts on our&nbsp;<a href="https://www.recipeforfinancialsuccess.co.uk/episodes/" rel="noopener noreferrer" target="_blank" style="color: rgb(187, 47, 75); background-color: initial;">episodes page.</a>We think you may also find this interesting: <a href="https://www.norfolkknowledgehub.co.uk/video/24789" rel="noopener noreferrer" target="_blank">Archant: How do I get more leads without just spending more money?</a>

Essential Recipes: All about Funds

This episode of the Your Recipe for Financial Success podcast was published on 28th January 2021. You can listen again by heading to our&nbsp;<a href="https://www.recipeforfinancialsuccess.co.uk/episodes/" rel="noopener noreferrer" target="_blank" style="color: rgb(187, 47, 75); background-color: initial;">Episodes page</a>, or on your favourite podcast player.In this episode, Becky, Emma and Julie are talking about a staple in any financial cookbook – pensions.<h2>Episode Highlights</h2>Here is everything you need to know about pensions, at a glance:<ul><li>You can have a pension from any age – even an under 16 can have a pension. You can’t access your pension until the age of 55, however, no matter what age you started paying into your pot</li><li>You can pay in to a pension until you reach the age of 75</li><li>Money Purchase Pensions = the more you pay in the more you get out at retirement</li><li>There is no set amount that you have to pay in to your pension pot. There are, however, limits on the maximum amount you can pay in any one year; either £40,000 or your entire earnings if less than £40,000</li><li>You get 20% tax relief on any payments you make into your pot. So if you make a contribution of £100, £125 actually goes in to your pot</li><li>When it comes to withdrawing money from your pension pot, you can normally take 25% as a tax free lump sum. The remaining 75% will be taxed at your marginal rate of income tax.</li></ul>Hopefully we have filled you up with the basics of pensions and you feel more confident to take control of your pension pot. If you would like to get your teeth into even more financial recipes, check out our other podcasts on our&nbsp;<a href="https://www.recipeforfinancialsuccess.co.uk/episodes/" rel="noopener noreferrer" target="_blank" style="color: rgb(187, 47, 75); background-color: initial;">episodes page.</a>&nbsp;Don’t forget about our&nbsp;<a href="https://www.facebook.com/recipeforfinancialsuccess/?epa=SEARCH_BOX" rel="noopener noreferrer" target="_blank" style="color: rgb(187, 47, 75); background-color: initial;">Facebook page</a>&nbsp;too where you can ask questions and join in discussions about all of our topics!

Essential Recipes: Pensions

Hey friends. This episode is a special one, as I am celebrating the International Women's Day 2021. Please join me in this little message. Today (and also the rest of the year) I am celebrating all women. I hope you get inspired, and feel empowered, you deserve it.We think you may also find this interesting: <a href="https://www.norfolkknowledgehub.co.uk/audio/5100/23711" rel="noopener noreferrer" target="_blank">MHA Larking Gowen - Tackling diversity in The Workplace; Interview With Sue Liburd MBE, and Andy Nicol</a>

Dr Noelia Falcon, 'I Belong here' International Women's Day 

Impromptu Business Chat from MHA Larking Gowen - In the second of their series of special interview episodes, Mark Curtis and James Lay lift the lid on the important topic of diversity in the workplace and discuss what business leaders can do now to tackle this pertinent issue.&nbsp;Joining Mark and James this month are guest speakers from Abstract, an award-winning learning and development company that changes people’s lives. Sue Liburd MBE is an award-winning businesswoman, human capital innovation consultant and business mentor; and Andy Nicol is a former rugby union player, who represented his country for 10 years from 1991, and also played for the British Lions on two tours in New Zealand in 1993 and Australia in 2001. Andy is now the CEO of Abstract.&nbsp;Sue and Andy talk through the importance, for business leaders, of the key elements of inclusive leadership and how to ensure diversity in the workplace. Then, to wrap up, three key points to take away, from Mark and James.&nbsp;You can subscribe to Impromptu Business Chat on&nbsp;Apple Podcasts, Spotify, or wherever else you get your podcasts. <a href="https://www.larking-gowen.co.uk/insights/?t=Podcast" rel="noopener noreferrer" target="_blank">Click here to find out more about MHA Larking Gowen podcasts</a><a href="https://www.larking-gowen.co.uk/insights/podcast-tackling-diversity-in-the-workplace-interview-with-sue-liburd-mbe-and-andy-nicol/" rel="noopener noreferrer" target="_blank" style="background-color: rgb(255, 255, 255);">MHA Larking Gowen</a>We think you may find this interesting: <a href="https://www.norfolkknowledgehub.co.uk/video/23714" rel="noopener noreferrer" target="_blank">10 Essential Leadership Skills for Changing Times </a>

Impromptu Business Chat

MHA Larking Gowen - Tackling diversity in The Workplace; Interview With Sue Liburd MBE, and Andy Nicol

Impromptu Business Chat from MHA Larking Gowen -&nbsp;In this week's podcast, James Lay and Mark Curtis reflect on the choice many business owners and employees are now facing as to whether to return to the office and the knock-on impact this will have on the surrounding economies. Building on comments from Dame Carolyn Fairbairn of the CBI, and referencing Richard Jackson MBE of The Winning Edge, the Rolling Stones and The Wurzels, they come up with three top tips on how to make the right choice for you and your business.You can subscribe to Impromptu Business Chat on&nbsp;Apple Podcasts, Spotify, or wherever else you get your podcasts. <a href="https://www.larking-gowen.co.uk/insights/?t=Podcast" rel="noopener noreferrer" target="_blank">Click here to find out more about MHA Larking Gowen podcasts</a>We think you may find this interesting: <a href="https://www.norfolkknowledgehub.co.uk/article/24107" rel="noopener noreferrer" target="_blank">What if an Employee Cannot Work from Home?</a>

MHA Larking Gowen - Working in a ghost town - Pivot your business model for quieter town centres and more home working

Impromptu Business Chat from MHA LArking Gowen - High and consistent energy levels are crucial for personal and business success.&nbsp;This week James Lay and Mark Curtis give 3 top tips to help improve energy levels drawing inspiration from motivational legend Jim Rohn, cycling hero Tommy Voeckler and Pavlov's salivating dogs.You can subscribe to Impromptu Business Chat on&nbsp;Apple Podcasts, Spotify, or wherever else you get your podcasts. <a href="https://www.larking-gowen.co.uk/insights/?t=Podcast" rel="noopener noreferrer" target="_blank">Click here to find out more about MHA Larking Gowen podcasts</a>We think you may also find this interesting: <a href="https://www.norfolkknowledgehub.co.uk/video/24008" rel="noopener noreferrer" target="_blank">New World New You</a>

MHA Larking Gowen - Increase your energy levels: Up your energy (part 1 of 2)

Impromptu Business Chat from MHA Larking Gowen - In this week's podcast, James Lay and Mark Curtis build on previous episodes to help business leaders and their teams feel more energised in work and life. Breaking tradition, this time they provide a bonus forth top tip, taking inspiration from the likes of Dr John Briffa, the 5am Club, Fat Boy Slim and cold showers.You can subscribe to Impromptu Business Chat on&nbsp;Apple Podcasts, Spotify, or wherever else you get your podcasts. <a href="https://www.larking-gowen.co.uk/insights/?t=Podcast" rel="noopener noreferrer" target="_blank">Click here to find out more about MHA Larking Gowen podcasts</a><a href="https://www.larking-gowen.co.uk/insights/podcast-tackling-diversity-in-the-workplace-interview-with-sue-liburd-mbe-and-andy-nicol/" rel="noopener noreferrer" target="_blank" style="background-color: rgb(255, 255, 255);">MHA Larking Gowen</a>We think you may also find this interesting: <a href="https://www.norfolkknowledgehub.co.uk/video/24114" rel="noopener noreferrer" target="_blank">Start 2021 with calm, focus, creativity and a smile!</a>

MHA Larking Gowen - Increase your energy levels: Eat, sleep, run, repeat (part 2 of 2)

Impromptu Business Chat from MHA Larking Gowen - In this week's Impromptu Business Chat, Mark Curtis and James Lay reflect on the importance of trust between leaders and their teams. Using the co-founder of Netflix, Feargal Sharkey, and Mark's fashion sense, they come up with 3 great ideas to help build greater trust.You can subscribe to Impromptu Business Chat on&nbsp;Apple Podcasts, Spotify, or wherever else you get your podcasts. <a href="https://www.larking-gowen.co.uk/insights/?t=Podcast" rel="noopener noreferrer" target="_blank">Click here to find out more about MHA Larking Gowen podcasts</a><a href="https://www.larking-gowen.co.uk/insights/podcast-tackling-diversity-in-the-workplace-interview-with-sue-liburd-mbe-and-andy-nicol/" rel="noopener noreferrer" target="_blank" style="background-color: rgb(255, 255, 255);">MHA Larking Gowen</a>We think you may also find this interesting:<a href="https://www.norfolkknowledgehub.co.uk/video/24050" rel="noopener noreferrer" target="_blank"> People, Performance, Productivity and Workplace Wellbeing</a>

MHA Larking Gowen - Trust me, I'm an employee: Improve trust within your team

There are some fantastic businesses throughout our region. The idea of the tech corridor is to help companies collaborate, share ideas and grow together. The breadth of ideas and talent is astonishing, tackling some of the big issues of our time.Linn Clabburn is Programme Director for the Cambridge Norwich Tech Corridor for the New Anglia Local Enterprise Partnership. The Tech corridor is a partnership between the New Anglia LEP as well as a range of public sector partners, district and county councils, and numerous other stakeholders to include businesses and research institutions.There are lots of businesses along the dual carriageway between Cambridge and Norwich. The partnership was really set up on the back of the fact we’ve had 100 million pounds of investment from central government. So now how do we drive economic growth, inclusive economic growth along this geography. Even though it is along the A11 dual carriageway, it’s much broader in its remit.The tech corridor initiative is about linking up and telling the clear story and narrative of all the businesses, research and all the other assets that we have in the corridor area. This includes all those smaller market towns and areas along the corridor, not just Cambridge and Norwich.<a href="https://businessgrowthclub.net/" rel="noopener noreferrer" target="_blank">Business Growth Club</a> / <a href="https://www.techcorridor.co.uk/" rel="noopener noreferrer" target="_blank">Cambridge-Norwich Tech Corridor</a>We think you may also find this interesting:<a href="https://www.norfolkknowledgehub.co.uk/video/24061" rel="noopener noreferrer" target="_blank"> Quickfire Digital Transformation</a>

Cambridge-Norwich Tech Corridor - Neil Foley & Linn Clabburn

We are all more concerned now with where our food comes from, as provenance is everything.&nbsp;Richard Ewin founded Norfolk Veg Box to deliver fresh, locally grown produce throughout the county.His idea was to support local growers and provide the best, freshest produce with minimal waste and food miles, to communities in Norfolk. It’s a labour of love and the business is growing nicely.&nbsp;Richard explains in his podcast why he started out and his journey to date, which now includes fresh fruit being delivered to offices too!<a href="https://businessgrowthclub.net/" rel="noopener noreferrer" target="_blank">Business Growth Club</a> / <a href="https://norfolkvegbox.com/" rel="noopener noreferrer" target="_blank">Norfolk Veg Box</a>We think you may also find this interesting: <a href="https://www.norfolkknowledgehub.co.uk/article/24123" rel="noopener noreferrer" target="_blank">Are you ready to build back greener? </a>

Norfolk Veg Box Story - Neil Foley & Richard Ewin

Cassandra Andrews and Brian Bush of <a href="https://www.engagingnorfolk.org/" rel="noopener noreferrer" target="_blank">Engaging Norfolk</a> joins Rob Lawrence at the Norfolk Chambers of Commerce at the Royal Norfolk Show 2019. The pair talk to us about how important an engaged workforce is to a successful organisation.We think you may also find this interesting: <a href="https://www.norfolkknowledgehub.co.uk/video/22448" rel="noopener noreferrer" target="_blank">How to motivate your staff - beyond the curve</a>

Engaging Norfolk at Royal Norfolk Show 2019

This episode of the Your Recipe for Financial Success podcast was published on 25 March 2021. You can listen again by heading to our Episodes page, or on your favourite podcast player.In this episode, Julie, Becky and Emma are carefully measuring out all of the ingredients needed in asset allocation and how they make our investments taste so good.<h2>Episode Highlights</h2>Here’s what you need to know about asset allocation, at a glance:<ul><li>Asset allocation is a technique used when investing. The aim of asset allocation is finding a balance in your portfolio by investing your money into different areas and sectors</li><li>Your asset allocation is usually linked to your attitude to risk, as each asset class has a different risk level associated with it</li><li>Asset allocation is different to funds, funds usually sit within an asset class. For example, a fund investing in UK companies would fall under the UK Equity asset class</li><li>It is important to help build a diverse portfolio to protect your investment if there are problems in one asset class. As a rule the other asset classes will help to cushion the fall and may even rise as the other is falling</li><li>Some examples of asset classes: Cash, Fixed Interest, UK Equities, Developed Markets, Emerging Markets.</li></ul>Now that you have a belly full of asset allocation, why not check out our other podcasts on our&nbsp;<a href="https://www.recipeforfinancialsuccess.co.uk/episodes/" rel="noopener noreferrer" target="_blank" style="color: rgb(187, 47, 75); background-color: initial;">episodes page</a>?

Essential Recipes: Asset Allocation

<h4>My audience has changed what can I do?</h4>Released: Apr 14, 2020This podcast is packed full of actionable hints tips and tools to help you adapt, pivot and change your business to reflect your audience's wants and needs.&nbsp;Including if its now a totally different audience.Lynsey and Ed chat through real examples and share their top tips on the importance of really understanding your audience, listening, using data and regardless if your business is b2b or b2c how to adapt and change your marketing to generate awareness and revenue.We hope you enjoy our podcast, do let us know how you get on with improving your website.Best Wishes&nbsp;Lynsey

SocialB - My audience has changed what can I do?

Hello friends! Welcome to the last episode of this 1st season. Can't believe it! Today I had the pleasure to interview Kiara. Kiara Sofia Vega Bellido is a queer 25 year old who was born and raised in the small college town of Mayagüez (which is right on the west coast of the Island of Puerto Rico). She’s currently pursuing the goal she established for herself in 11th grade to earn a PhD in Neuroscience. Moreover, she’s still figuring out the most effective and healthy treatment for her bipolar disorder type II diagnosis with the aim of achieving a consistency that will allow her to forge a meaningful and fulfilling career outside of academia. She’s the doting mother of the world’s most adorable rat: cofi. You are awesome Kiara!!

I belong here Podcast - Dr Noelia Falcon and Kiara Sofia Vega Bellido on gaining a PHD in Neuroscience and living with Bipolar disorder

This episode of the Your Recipe for Financial Success podcast was published on 8th April 2021. You can listen again by heading to our&nbsp;<a href="https://www.recipeforfinancialsuccess.co.uk/episodes/" rel="noopener noreferrer" target="_blank" style="color: rgb(187, 47, 75); background-color: initial;">Episodes page</a>, or on your favourite podcast player.In this episode, Emma , Becky and Julie are putting saving and paying off your debts to the taste test.<h2>Episode Highlights</h2>So, should you be saving your spare cash or using it to pay off your debts? Well, generally, that will depend on whether it is good debt or bad debt and the interest rate you have. Here is everything you need to know at a glance.<ul><li>Good debt.&nbsp;These are debts like mortgages and student finance. They are often for a fixed period and have relatively low interest rate. This means you can budget each month for re-payment as the amount isn’t going to increase.</li><li>Bad Debt.&nbsp;Debts accumulated on store cards and credit cards, for example. They have high interest and are often on variable rates too which means the amount you have to pay back each month can change.</li><li>Think logically.&nbsp;If the interest on your debt is 7% but you could only earn 1% in a savings account, paying off the debt is going to save you more money in the long run. You will be adding more debt via interest rates than you would earn by putting it into a savings account earning 1%.</li><li>There isn’t necessarily a right or wrong answer.&nbsp;Some people love the idea of paying off their mortgage early – even though the interest rate is relatively low and they could in fact make the money work for them better by placing it into a savings account. It’s often in the mindset of the person.</li><li>Check PIPSI before saving.&nbsp;If you are considering saving and investing your spare money, remember to refer back to our&nbsp;<a href="https://www.recipeforfinancialsuccess.co.uk/5-steps-to-plan-your-finances/" rel="noopener noreferrer" target="_blank" style="color: rgb(187, 47, 75); background-color: initial;">PIPSI and 5 Steps to Plan your Finances episode</a>&nbsp;to make sure you have considered all other aspects of your finances.</li></ul>Don’t forget to check out our previous podcasts on our&nbsp;<a href="https://www.recipeforfinancialsuccess.co.uk/episodes/" rel="noopener noreferrer" target="_blank" style="color: rgb(187, 47, 75); background-color: initial;">episodes page.</a>

Essential Recipes - Savings vs paying off debt

Many organisations waste leads as they don't have the right process in place or don't take the right steps to identify the right leads in the first place.Sarah from Find New Business &amp; Lynsey chat about their top tips on the importance of B2B organisations having the right sales process in place.Full of actionable tips this podcast is well worth a listen if you want to be stepping up your sales figures for this year.If you'd like a copy of the document referred to in this podcast please email&nbsp;<a href="https://mailto:Lynsey@socialb.co.uk" rel="noopener noreferrer" target="_blank" style="color: rgb(51, 122, 183); background-color: transparent;">Lynsey@socialb.co.uk</a>&nbsp;with the subject line mentioning this podcast&nbsp;

SocialB - How to generate & convert more leads into profitable sales for your B2B organisation

Lynsey chats to Rand Fiskin about creating powerful content, not just creating content with no real purpose. Rand shares how his software could help all kinds of marketers but also how he educates his own target audience about a product they don't know they need yet, a tricky stage that is often overlooked by marketers. This podcast is packed full of tips you can try yourself today and really makes you think about your customers' intent. Head to&nbsp;<a href="https://www.youtube.com/redirect?event=video_description&amp;redir_token=QUFFLUhqa2k0VUw2MEJ0SmFCUkV3QS1NZ09KR09INFB6Z3xBQ3Jtc0ttalNJSjVfT1FLUFVqSHdtbnpHdTZHdUx3NUd0bFMzTFduSWt4cUV5bG5sc3FOUDFYSU9xYmRtRWNMLVg5NVJVMXkwZWEwWlNaZHp6OUhLN2tDbE1WQndjcTVwdFJ1ckszaG9kd21TOWJvSnFLMlEybw&amp;q=https%3A%2F%2Fsparktoro.com%2F" rel="noopener noreferrer" target="_blank" style="color: rgb(51, 122, 183); background-color: transparent;">https://sparktoro.com/</a>​ to learn more and for a free trial.&nbsp;we hope you enjoy the podcast

SocialB - How To Create Content That Really Resonates With Your Audience 

In this episode of our Student FI Podcast directors and tutors, Ben Bullman and David Malthouse will be discussing how social media can be a great tool to help position yourself professionally, enhance your career and build a network of contacts.&nbsp;If you want to be part of our live audience and get your questions answered we go live on Wednesday at 6 pm every week on Zoom&nbsp;<a href="https://zoom.us/meeting/register/upEpf-ygrTIrfrplKnpKRQkOWLXQuA4X3A" rel="noopener noreferrer" target="_blank" style="color: rgb(131, 131, 131);">register here.</a><a href="https://www.firstintuition.co.uk/about/" rel="noopener noreferrer" target="_blank">FI</a> has a goal to develop financially fluent professionals who can make an impact for talent hungry employers.<a href="https://www.firstintuition.co.uk/contact/" rel="noopener noreferrer" target="_blank">Get in touch </a>

First Intuition - Using Social Media As A Tool; Enhancing Your Career

In this episode of our Student FI Podcast director and tutor, Ben Bullman is joined by FI Student and AAT qualified Andy Murray as they share their experiences with stress and anxiety whilst studying.If you want to be part of our live audience and get your questions answered we go live on Wednesday at 6 pm every week on Zoom register here.<a href="https://www.firstintuition.co.uk/about/" rel="noopener noreferrer" target="_blank">FI</a> has a goal to develop financially fluent professionals who can make an impact for talent hungry employers.<a href="https://www.firstintuition.co.uk/contact/" rel="noopener noreferrer" target="_blank">Get in touch </a>

First Intuition -  Stress Stories; Dealing with Stress and Anxiety

A <a href="https://www.littlegreenbutton.com/" rel="noopener noreferrer" target="_blank" style="color: rgba(0, 0, 0, 0.9);">Little Green Button</a> podcast for professionals who are passionate about the security and safety of their colleagues and employees.&nbsp;Specialist trainer and keynote speaker at&nbsp;<a href="https://www.linkedin.com/company/safety-solutions-training-limited/" rel="noopener noreferrer" target="_blank" style="color: var(--color-action);">Safety Solutions Training Limited</a>,&nbsp;<a href="https://www.linkedin.com/in/ACoAAAA7ESEBMXLGkDrp3V78PeKe8iYto6UVzjk" rel="noopener noreferrer" target="_blank" style="color: var(--color-action);">Vince Donovan</a>, joins us for episode 1 to discuss the challenges his clients have faced during the pandemic and explains why staff safety should be every employer's number one priority. <a href="https://www.littlegreenbutton.com/contact/" rel="noopener noreferrer" target="_blank">Get in touch with us to find out more here </a> The Front Desk - Vince Donovan

Little Green Button - The Front Desk 

Emma is joined by guest baker Leanne Gunns this week. They are talking all things business as they delve into the world of accountancy, including a weigh up of limited companies against sole traders. Tune in for helpings of plenty other useful tips for accounting for your business.

Essential Recipe- Special Guest Business Accounting with Leanne Gunns

This episode of the Your Recipe for Financial Success podcast was published on 1st July 2021. You can listen again by heading to our Episodes page, or on your favourite podcast player.In this episode, Becky, Julie and Emma are explaining everything you need to know about Business Investments. Find out if and how you should be investing your Business’ profits.<h2>Episode Highlights</h2><ul><li>With interest rates being so low, rather than leaving the money sitting in a bank account, it might be worth considering an investment for the capital within your business.</li><li>Just because your money is in your business, doesn’t necessarily mean that it will be outside of your estate for Inheritance tax purposes on your death</li><li>Make sure you get proper advice on this as it’s a complex topic.</li></ul> Hopefully we have inspired you to go on your own budget holiday? Let us know where you go and how little you managed to spend on our&nbsp;<a href="https://www.facebook.com/recipeforfinancialsuccess/?epa=SEARCH_BOX" rel="noopener noreferrer" target="_blank" style="background-color: initial; color: rgb(187, 47, 75);">Facebook page</a>.If you would like to get your teeth into any more financial recipes, check out our other podcasts on our&nbsp;<a href="https://www.recipeforfinancialsuccess.co.uk/episodes/" rel="noopener noreferrer" target="_blank" style="background-color: initial; color: rgb(187, 47, 75);">episodes page.</a>

Essential Recipes: Business Investment

This episode of the Your Recipe for Financial Success podcast was published on 20th May 2021. You can listen again by heading to our&nbsp;<a href="https://www.recipeforfinancialsuccess.co.uk/episodes/" rel="noopener noreferrer" target="_blank" style="color: rgb(187, 47, 75); background-color: initial;">Episodes page</a>, or on your favourite podcast player.In this episode, Emma, Julie and Becky are venturing into the depths of credit cards!<h2>Episode Highlights</h2>Here is everything you need to know about Credit Cards, at a glance:<ul><li>Credit Cards are different to store cards (<a href="https://www.recipeforfinancialsuccess.co.uk/store-cards-explained/" rel="noopener noreferrer" target="_blank" style="color: rgb(187, 47, 75); background-color: initial;">see our other episode on store cards for more information</a>)</li><li>Credit Cards can be really good and even advantageous when in the right hands and monthly repayments are kept up with. They are useful for building up your credit score</li><li>Some Credit Cards may offer you points or benefits when you spend money on them</li><li>Balance transfers can be useful to give you a breather from further interest accumulating on the credit card, especially if transferring to a 0% deal</li><li>Money transfers are where the balance is added to the credit card, but the money is sent as a payment directly to your bank account. They usually have a negative impact on your credit rating and can have a high level of interest charged.</li></ul> If you would like to get your teeth into even more financial recipes, check out our other podcasts on our&nbsp;<a href="https://www.recipeforfinancialsuccess.co.uk/episodes/" rel="noopener noreferrer" target="_blank" style="color: rgb(187, 47, 75); background-color: initial;">episodes page.</a><h3>&nbsp;</h3>

Essential Recipes: Credit Cards

This episode of the Your Recipe for Financial Success podcast was published on 8th April 2021. You can listen again by heading to our&nbsp;<a href="https://www.recipeforfinancialsuccess.co.uk/episodes/" rel="noopener noreferrer" target="_blank" style="color: rgb(187, 47, 75); background-color: initial;">Episodes page</a>, or on your favourite podcast player.In this episode, Emma , Becky and Julie are putting saving and paying off your debts to the taste test.<h2>Episode Highlights</h2>So, should you be saving your spare cash or using it to pay off your debts? Well, generally, that will depend on whether it is good debt or bad debt and the interest rate you have. Here is everything you need to know at a glance.<ul><li>Good debt.&nbsp;These are debts like mortgages and student finance. They are often for a fixed period and have relatively low interest rate. This means you can budget each month for re-payment as the amount isn’t going to increase.</li><li>Bad Debt.&nbsp;Debts accumulated on store cards and credit cards, for example. They have high interest and are often on variable rates too which means the amount you have to pay back each month can change.</li><li>Think logically.&nbsp;If the interest on your debt is 7% but you could only earn 1% in a savings account, paying off the debt is going to save you more money in the long run. You will be adding more debt via interest rates than you would earn by putting it into a savings account earning 1%.</li><li>There isn’t necessarily a right or wrong answer.&nbsp;Some people love the idea of paying off their mortgage early – even though the interest rate is relatively low and they could in fact make the money work for them better by placing it into a savings account. It’s often in the mindset of the person.</li><li>Check PIPSI before saving.&nbsp;If you are considering saving and investing your spare money, remember to refer back to our&nbsp;<a href="https://www.recipeforfinancialsuccess.co.uk/5-steps-to-plan-your-finances/" rel="noopener noreferrer" target="_blank" style="color: rgb(187, 47, 75); background-color: initial;">PIPSI and 5 Steps to Plan your Finances episode</a>&nbsp;to make sure you have considered all other aspects of your finances.</li></ul> Don’t forget to check out our previous podcasts on our&nbsp;<a href="https://www.recipeforfinancialsuccess.co.uk/episodes/" rel="noopener noreferrer" target="_blank" style="color: rgb(187, 47, 75); background-color: initial;">episodes page.</a><h3>&nbsp;</h3>

Essential Recipes: Saving vspaying off debt

This episode of the Your Recipe for Financial Success podcast was published on 6th May 2021. You can listen again by heading to our Episodes page, or on your favourite podcast player.In this episode, Julie, Emma and Becky go over some ways that you can encourage your little ones to save money. They chat about some of the formative aspects of money habits and how they can be picked up in childhood, as well as looking at some apps that you can use to help encourage your little ones to get better with money. Plus, special guest Eddie Teddie talks about his new projects!<h2>Episode Highlights</h2>Here are some of the top tips from the podcast:<ul><li>It’s never too soon to start teaching children to save, and talk to them about the value of money.</li><li>Open a bank account for your child – make it into a fun outing!</li><li>Shop around for savings accounts – there are some deposit accounts paying interest in the region of 3%, including Junior ISAs!</li><li>You can also buy Premium Bonds for your children too!</li><li>Have a look at some Pocket Money Apps – Go Henry and Rooster look like good places to start!</li><li>Try the NatWest game, Pigby’s Fair to get your children thinking about money.</li></ul>

Essential Recipes: Saving tips for children

Hopefully we have inspired you to go on your own budget holiday? Let us know where you go and how little you managed to spend on our&nbsp;<a href="https://www.facebook.com/recipeforfinancialsuccess/?epa=SEARCH_BOX" rel="noopener noreferrer" target="_blank" style="background-color: initial; color: rgb(187, 47, 75);">Facebook page</a>.If you would like to get your teeth into any more financial recipes, check out our other podcasts on our&nbsp;<a href="https://www.recipeforfinancialsuccess.co.uk/episodes/" rel="noopener noreferrer" target="_blank" style="background-color: initial; color: rgb(187, 47, 75);">episodes page.</a>

Essential Recipes: Tanya Ibberson's Money Journey

The Front Desk is a podcast for professionals who are passionate about the security and safety of their colleagues and employees. In each episode, a host from Little Green Button interviews those who are at the forefront of employee well-being. Topics can include an analysis of incidents, de-escalation procedures and overall employee wellness. Ultimately, the Front Desk helps professionals understand how to ensure the security and safety of their employees in today’s world.In today's episode of the Front Desk podcast, our hosts, Bradley and Alex, welcome Shaun Bainbridge, security liaison manager, non-clinical risk team, at St Helens and Knowsley Teaching Hospitals NHS Trust to discuss safety in a workplace.As our guest explains, keeping staff safe and establishing preventive security measures is the number one priority of every organization. Aside from creating projects and adopting policies, managers must develop a culture of communication within their teams. In the last year, the outbreak of COVID-19 was the flywheel for many conversations regarding employees' safety.During the episode, Shaun shares alarming statistics from the NHS 2019 staff survey. According to the national survey, 28.5% of staff in the NHS experienced harassment, bullying, or abuse from patients or their relatives. Nearly 15% of staff suffered from violent acts, and only 49% reported those incidents.&nbsp;Bradley, Alex, and Shaun also take a deeper dive into the role of technology in the area of safety. Shaun believes that "technology is always going to be a leading light in how we move forward."&nbsp;Being open to innovation is the key to success. However, as Shaun explains, some things take time, and mistakes are inevitable. "We can all make mistakes every single day. It's about learning from those mistakes and making sure we try our best, so those mistakes don't happen in the future."&nbsp;

The front Desk: Learning How Technology Helps With Tackling Security Issues

Released: Jul 1, 2021Digital marketing gallops along and it’s a struggle to stay up to date. Each month our wonderful digital team collates the most useful updates to what's changed, what's new, how to use/adapt and be agile in this constantly changing arena.In this <a href="https://socialb.co.uk/podcast/" rel="noopener noreferrer" target="_blank">podcast</a>, we cover:-- Facebook commerce updates x 4 of them!- Google Search Console Insights- Googles new Inaccurate Availability policy- Spotify Greenroom launch- Instagram desktop features- Google third-party update (delay)- NEW - topical spotlight on brands who aced it during JuneBest wishesLynsey

socialb: Digital Marketing Round Up June 2021

Released: Jun 18, 2021Brand storytelling on social media influences your customers increases your brand awareness and attracts new followers. Your story is how your company will be remembered by customers. Building a unique brand story on social media involves telling it through different social platforms. Lynsey talks to Jonathan Trippet about why your company should be storytelling.

socialb: Connect With Your Audience: Story Telling & Content Marketing

Talking to Vicky Fraser, of Moxie Books, (<a href="http://www.moxiebooks.co.uk/" rel="noopener noreferrer" target="_blank">www.moxiebooks.co.uk</a>) about writing my book in the first lockdown last year and what inspired me to do so. The book is “Rubbing Shoulders With The Best – Growing a Massage Business Without The Stress” and is a personal account of the highs and lows of running a small business with tips and advice which would resonate with many small business owners, not just for massage therapists.<h3>Copies available from <a href="http://www.rubbingshoulderswiththebest.co.uk/" rel="noopener noreferrer" target="_blank">www.rubbingshoulderswiththebest.co.uk</a> </h3><h2> </h2>Meet the <a href="https://norfolkknowledgehub.co.uk/article/37174" rel="noopener noreferrer" target="_blank">Workplace Massage Specialist</a>, Kathy Scott here on the Norfolk Knowledge Hub

Write A Better Book – Grow Your Business: Vicky Fraser interviews Kathy Scott

Talking to Marie Jenkins, a Wellbeing Coach Professional, from Advance Your Wellbeing, about the challenges business face particularly with regard to mental ill health in the workplace.www.<a href="http://www.advanceyourwellbeing.co.uk/" rel="noopener noreferrer" target="_blank">advanceyourwellbeing.co.uk&nbsp;&nbsp;</a>

Advance Your Wellbeing: Mental Illness at work

Hello friends,Welcome to the 10th episode of this podast! Woohoo! Today we will listen to the phenomenal Prathyusha Konda. Prathyusha received her Bachelors in Technology from the Indian Institute of Technology (IIT-Madras), India. She is currently pursuing her Ph.D. at Dalhousie University, Canada. Her research interests include immunomics and cancer immunotherapies. Outside research, she is involved in various leadership roles as the president of the graduate student society. She has been developing a Peer Support Network program for her peers at the university for the last couple of years. She has also been involved in initiating several graduate student mental health initiatives on campus. She paints during her spare time and auctions them for a cause she finds important.

I belong here podcast with Dr Noelia Falcon and Prathyusha Konda who is studying her PHD in immunomics and cancer immunotherapies.

<h4>Digital Marketing Round Up July 2021</h4>Released: Aug 5, 2021Digital marketing gallops along and it’s a struggle to stay up to date. Each month our wonderful digital team collates the most useful updates to what's changed, what's new, how to use/adapt and be agile in this constantly changing arena.In this podcast, we cover:-- Facebook Campaign Ideas Generator- Instagram Reels update- Clubhouse out of beta- Instagram story translations- Tik Tok launches Spark Ads- Google July Core Update&nbsp;

Socialb: Digital Marketing Round Up – July 2021

Digital connectivity, digital funding and innovations in LoRaWan connections across Norfolk are all part of Norfolk County Council’s strategy to make Norfolk the best-connected rural county in the UK.As part of Norfolk County Council's digital takeover, Nova Fairbank, Norfolk Chambers' Chief Operating Officer is talking with <a href="https://www.linkedin.com/in/geoffconnell/" rel="noopener noreferrer" target="_blank">Geoff Connell</a>, Director of Information Management &amp; Technology &amp; Chief Digital Officer&nbsp;and <a href="https://www.linkedin.com/in/kurtfrary/" rel="noopener noreferrer" target="_blank">Kurt Frary</a>, Deputy Director of Information Management &amp; Technology &amp; Chief Technical Officer.

How can better digital connectivity help your business? Find out in this Norfolk Chambers and Norfolk County Council podcast

Episode 6 - The Norfolk Chambers Podcast: Funding and the Future of Great YarmouthWelcome to the Norfolk Chambers Podcast!In todays’ podcast Haze Carver (The Zinger) chats with&nbsp;<a href="https://www.linkedin.com/in/simonbest/" rel="noopener noreferrer" target="_blank" style="color: var(--color-accent) ;">Simon Best</a>, Funding and programmes specialist &amp;&nbsp;<a href="https://www.linkedin.com/in/harry-harris-32204426/" rel="noopener noreferrer" target="_blank" style="color: var(--color-accent) ;">Harry Harris</a>, Business Advisor from Great Yarmouth Borough Council to find out more on the success of their incredible £20 million grants programme, securing the town centre regeneration fund and what this means for the future of Great Yarmouth.<a href="http://www.great-yarmouth.gov.uk/" rel="noopener noreferrer" target="_blank" style="color: blue;">www.great-yarmouth.gov.uk</a>

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