Penny Radio

Penny Radio

The personal finance podcast that will help you master your money. Does sorting out your money seem daunting to you? Do you ignore letters from your bank because they all sound like gobbledegook? Have you been meaning to sort out your finances for a while but keep putting it off? Maybe you think you’re bad at Maths so there’s no point even trying? Well do not fear, Penny Radio is here! Now is the time to take control of your financial future!

Episodes

February 14, 2021 41 min

You've heard of a Will - do you know why you need one though? What happens if you die without a Will in place? How do you write a Will? Tune in to Where There's A Will There's A Way today to find out answers to these important personal finance questions.

How about Lasting Powers of Attorney and Trusts? These are just as important as Wills but like their less famous (and less welcome) cousins!

The legal side of personal ...

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Are you walking a personal finance tightrope without a safety net?! Is your safety net as strong as it should be? Or is it full of holes?

In this episode we take a look at insurance - what it is and why we have it. Most importantly we discuss how it can protect you and your loved ones from disaster and financial ruin.

We also delve a bit deeper into the State Welfare system and how it provides a bit of a weak but very important saf...

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December 8, 2020 36 min

We wrap up our quick foray into pensions by delving into what the State Pension is and why it is important to your future.

We also look at how the State Pension has been decreasing in value and how you may not end up with as much as you think, or at the point you want to retire. So to really take control of our financial futures, we need to build up our private pensions.

It's really important to know where we are now - how much...

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November 5, 2020 55 min

Do you feel like you need a PhD to understand pensions? Does it seem like retirement is lifetime away, so who cares anyway? Well this is the episode for you. Tune in to learn about private pensions and how they can help you take control of your financial future.

Have you ever asked yourself when can I retire? Or how much do I need to retire? Check out the show notes for a useful retirement calculator to help you figure this out and...

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October 11, 2020 48 min

On this episode of Penny Radio we take a look at all the comings and goings of our bank accounts. We discuss how tracking your spending can help build your financial framework and helps you see if you are heading in the right direction. Most importantly we tell you how to do it as well. Make sure you check out the Comings & Goings show notes to help you do this for yourself.

Craig tells us how craft beer is never too far away; ...

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September 11, 2020 51 min

We kick off a deeper dive into our current position - something we will be exploring over the next few episodes. This will help us figure out our own starting point when it comes to planning for our financial futures. This really is step 1 of our financial framework. If you know where you currently are and you know where you want to get to, then you can start figuring out how to get there. Find out how this can help stop you from g...

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May 27, 2020 31 min

Welcome to the second season of Penny Radio - Knowing Me, Knowing You!  This season we will be focusing on where we are now and where we ultimately want to be. In this first episode, Going For Goals, we'll be taking a first look at what we want to achieve.

The sooner we start thinking about this, the more we can develop and refine this into achievable goals.  This is because setting goals can really be an ongoing process.  So a...

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What a shocking few months it has been! The World is in chaos, we are all in lockdown and the memes and Netflix have almost run out...  Whilst we are all sitting around, stuffing our faces with Easter eggs, saving the NHS and waiting to emerge into A Brave New World - we should probably take a few minutes to think about what all of this means for our personal finances.

Join my new co-host Craig and I as we dazzle you with our Frenc...

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March 11, 2020 52 min

Have you ever made a financial decision and then looked back and thought WTF was I thinking? Why did I do that?! Well if so, join the club! The way we act can really impact our financial wellbeing, now and in the future. And the way we behave is often because of the way we think and feel at the time and the way we feel about finance more generally.

Tune in today to find out the common behavioural pitfalls and biases we face when it...

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March 4, 2020 32 min

Tune in to Penny Radio today to discover what debt is and what types of debt there are out there. Now I'm sure you know this already and you may have debt of your own. Debt can be a big drain on our finances and a big risk to our financial health. So we'll also be looking at the difference between bad debt and useful debt. And what to do if you are struggling to repay your debt.

But most importantly we will be taking a look...

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February 26, 2020 30 min

You've probably heard of wrappers and platforms before and wondered what they are.  This is more financial jargon that we need to bust and understand.  So tune in today to find out what wrappers and platforms are and how they work.  Discover how wrappers are like a big bag of tasty sweets.  Find out how they can be one of your best friends and help you make the most of compound interest.  We'll also look at how platforms ar...

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February 19, 2020 51 min

Do you find tax tricky to get your head round?  Do you look at your payslip and wonder where a big chunk of it has gone?  And why?!  Or do you just accept that you have to pay taxes but you don't really know how it's all worked out?  HMRC says that tax doesn't have to be taxing - but just how trues is that?  How taxing is tax?

Tune in to today's episode to find out!  We'll look at what tax is.  And what the diff...

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Tune in to this week's episode of Penny Radio.  In this second of two episodes on inflation, we take a look at how damaging inflation can be on our financial wealth and health.  We go through some real world examples to help you understand what inflation means for you.  And we take a look at what we can do about it!  Remember to check out the show notes at https://pennyradio.co.uk to see the examples we talk about, for yourself...

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Tune in to this week's episode of Penny Radio and join us as we bust the jargon of inflation.  In this first of two episodes we look at what inflation actually is and the different types.  Find out how governments calculate them and why they want inflation.  Even if it means our money is worth less today than it was yesterday!

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January 29, 2020 29 min

Tune in to Penny Radio for the second part of our exploration of interest.  In this episode we look at some real world examples of when you'll come across interest.  We'll find out what the Annual Equivalent Rate on savings accounts and the Annual Percentage Rate of Charge on loans are.  We'll also look at whether using our savings to pay off expensive debt is a good idea.  Remember to check out the show notes on the we...

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January 22, 2020 35 min

In this week's episode we tackle one of the most fundamental of the Fundamental Finance season's topics - interest.  We go through what interest is; why it is important in helping us to build wealth and financial health; where we might come across it; and the difference between simple and compound interest.  Most importantly we look at how to calculate interest for ourselves.  Make sure to check out the examples in the show...

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January 15, 2020 32 min

Join me for this episode where we take a look at banks accounts - what they are and why they are one of the first steps to mastering your money.  We also take a look at what debit and credit mean and how we use them in everyday life.

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January 8, 2020 17 min

Listen now as we kick-off Fundamental Finance - the first season of Penny Radio, by taking a look at what money actually is.  We delve into whether money really exists and touch upon what types of money there are, how we get it and how we use it.

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January 1, 2020 15 min
Happy New Year! Welcome to the first ever episode of Penny Radio. Listen to find out how this podcast can help you finally take control of your financial future! Start the New Year and decade off on the right foot and make a New Year's resolution that you can stick to and that future you will be extremely glad you did!
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December 18, 2019 1 min

Exciting news! Penny Radio is launching on 1st January 2020!!

Subscribe now and tune in on New Year's Day to find out how to finally take control of your financial future. If you can't wait, head over to pennyradio.co.uk to find out more!

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