Some key points of interest covered in this episode include the following:

1. Simon explains the nature of hybrid families, noting that because they can be complex, their financial arrangements and issues can also be quite complicated. [00:48]
2. From the outset, it is important to acknowledge and appreciate the previous experiences, including those relating to financial matters, that each couple brings to a hybrid family. [03:39]
3. An option that can be worth considering is a prenuptial agreement – or, indeed, a postnuptial agreement – as each of these creates a formal structure and clear expectations that can provide reassurance and safeguards for each member of a couple involved in creating a hybrid family. [06:00]
4. As ever, communication is a vital skill, and Simon recommends being as proactive, deliberate and specific as possible when talking about money. [07:54]
5. In response to a question from Bex, Simon explains that merging and distributing assets within a hybrid family can be complicated. He goes on to stress the importance of understanding the full nature of the choices that need to be made, and of discussing them openly and thoroughly. [08:46]
6. On a practical note, wills [10:55] and expressions of wishes for pensions [12:11] are two key ways of specifying how wealth should be distributed in the event of a parent in a hybrid family dying. Again, it is important to understand fully the details and consequences of the arrangements being put in place.
7. A major challenge can be to treat all members of a hybrid family fairly when dealing with financial matters. [14:20] Sometimes, situations can be complicated by the different spending capabilities and behaviour of the parents involved in a hybrid family. In such cases, Simon recommends being open, honest, balanced and sensitive when talking to children about the situation. [15:49]
8. Prompted by Bex, Simon goes into further detail about how wills, trusts, pensions and expressions of wishes can be used to bring clarity and fulfilment of previously stated wishes when a relationship ends, for whatever reason. [17:35]
9. When it comes to foster children, it is important to know that they do not have automatic rights to inherit in the way that biological or adopted children do. Therefore, specific provision has to be stated, recorded and formalised in situations where it is desired that a foster child will benefit financially. [20:40]
10. When summing up, Simon comments that because the financial affairs of hybrid families are very often complex, it can be helpful to seek assistance from a financial adviser or planner. Very often, a first consultation can be free of charge and will provide the opportunity to explore whether or not it is likely to be genuinely helpful to take up that option. [22:29]
11. After a short break, up next on the podcast will be a bonus episode; and if you feel that you would have something to contribute to such an episode in the future, please get in touch with us as we are always open to receiving fresh input. [24:23]
12. In closing, Simon invites listeners to spread the word about the podcast by all means possible, including making friends listen to episodes on long journeys! [25:09]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

Our Instagram page will also provide you with additional content and features.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking here: https://where-your-treasure-is.kit.com/13c7b5fec6

Some key points of interest covered in this episode include the following:

1. Simon comments that while he lived through a divorce as a child and feels that it is a very important topic to cover in the current ‘Family Matters’ season, he is not a financial specialist in that area. [01:27]
2. In response to a question from Bex, Simon explains that this episode’s discussion will focus on financial issues associated with marriages and civil partnerships coming to an end; cohabiting couples have different rights under the law, which fall outside the scope of this episode. [02:43]
3. The first financial step to take once a divorce is in process is to identify relevant assets. This can be quite a complex task, partly because it can comprise so many different elements and partly because it is not always a straightforward matter to understand and identify the exact nature and value of items such as pensions. [04:57]
4. Another complicating factor is that it is not necessarily the case that every possible asset belonging to each member of the couple will be deemed to be available for sharing. [06:39] In that context, it can be important to understand the following terms: (i) matrimonial property – wealth that has been added during the relationship [07:59]; (ii) non-matrimonial property – assets that have been brought into the relationship [08:57]; (iii) matrimonialised property - resources that have been brought into the relationship and have then been deployed in some way during it. [09:42]
5. The process of valuing assets during a divorce can be complex and contentious. It can be difficult to arrive at agreed valuations, with pensions posing a particular challenge because of the tax and timing factors that need to be taken into account. [10:46]
6. Prompted by Bex, Simon suggests that it is good financial planning for assets in a relationship to be allocated, as far as possible, to each member of the couple on a fairly equal basis so that each of them can have access to an emergency fund, for example. That kind of approach can also help to provide the basis of a fair arrangement, should wealth need to be divided as part of a divorce settlement. [12:32]
7. When it comes to splitting assets, it can often be hard to know how best to deal with a property. The situation with a house can be difficult, if it is not being sold, as it cannot simply be divided in half, and the process of deciding what kind of price to place on it is also not entirely straightforward. [15:01]
8. Whether or not assets should be divided completely equally is a legal decision. [17:11]
9. Because of tax considerations, pensions can be particularly complicated assets to distribute. [18:22] As part of a divorce, pensions can be allocated in one of three ways: (i) pension sharing [20:04]; pension offsetting [21:38]; (iii) pension attachment [22:51].
10. Generally, offsetting is the approach taken to dividing investments, but it can be important to understand any taxation arrangements that apply so that fair and balanced arrangements can be made. [23:47]
11. Finally, Simon suggests that a collaborative approach to divorce, as described on the resolution.org.uk website, can have definite benefits, as long as both parties are on board with the process. [26:17]
12. The final episode of the ‘Family Matters’ season will explore some of the financial matters that can affect hybrid families. [27:42]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

Our Instagram page will also provide you with additional content and features.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking here: https://where-your-treasure-is.kit.com/13c7b5fec6

Some key points of interest covered in this episode include the following:

1. Simon describes the aim of this episode as being to help us to consider our options in light of the potential financial implications of various accident and illness events that can affect us and our families. [00:57]
2. Simon suggests that the first area to explore should be insurance because it provides a means of preparing ourselves financially, to some extent at least, for unexpected changes in our circumstances. [02:29] He goes on to explain that insurance is a way of allowing a number of people to share risks together in a manageable fashion in order to reduce the impact of events that would otherwise have a very detrimental effect upon their financial situations. [03:12]
3. When we are trying to decide what kinds of insurance we should take out, Simon suggests that it is helpful to establish a hierarchy of priorities so that we take out insurance options that are relevant and appropriate for our circumstances. [05:38] Illness insurance might, for example, be more important for a single person to have, compared with life insurance. [06:55]
4. Simon suggests that most insurance decisions are heavily influenced by our emotions and that it can therefore be helpful to adopt an overview of insurance that appreciates the peace of mind that it can provide rather than focusing on the fact that it can end up being an outlay of finances without any tangible return. [08:52]
5. Simon explains that a power of attorney arrangement can be an invaluable provision to have made when significant illness and accident events occur. It can be used in normal life - for example, to give access to a bank account while a spouse is overseas. However, its greatest benefit comes from its use to transfer decision-making powers (relating to finances, property and medical treatment) when someone has lost mental capacity and is no longer able to manage their own affairs. [10:45]
6. A spouse or adult child will often be selected for power of attorney responsibilities, but a friend or trusted adviser would also be an appropriate choice. [12:12]
7. There is no default power of attorney arrangement that comes into force If no such provision has been made, and this can lead to upsetting and expensive consequences for individuals and families. Simon therefore urges listeners to put a power of attorney arrangement in place sooner rather than later. [12:51]
8. A power of attorney can be arranged through a solicitor in Scotland; in England, this can now be completed online. [15:14]
9. The need for long-term care – caused by accident, illness or old age – can also have significant, unforeseen financial consequences. Professional advice can often be very helpful in such circumstances. [16:49] In addition, good family communication is vital in this area, so Bex and Simon encourage listeners to be proactive in raising financial matters in a constructive manner with other family members. [18:57] Simon reiterates that point in his closing remarks. [20:32]
10. Bex invites listeners to share comments and questions through the usual channels: whereyourtreasureis@freerangepodcasting.co.uk via email and @whereyourtreasureispodcast on Instagram. [21:22]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

Our Instagram page will also provide you with additional content and features.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking here: https://where-your-treasure-is.kit.com/13c7b5fec6

Some key points of interest covered in this episode include the following:

1. Simon and Bex acknowledge that death can be a difficult topic to discuss but suggest that there are real benefits to be gained from talking about financial matters related to death in an open and honest manner. [00:34]
2. In response to a question from Bex, Simon suggests that a key moment to start thinking about making preparations for death is when other people will be financially impacted by our passing. [03:49]
3. The top priority when preparing our estate for death is to have a will drafted by a solicitor. Without that, things can become very messy and expensive. [05:41]
4. Other preparations that can be very helpful include the following: lifetime cash flow modelling to predict future income and expenditure [09:15]; simplification and streamlining of bank accounts, pensions, investments etc. [09:53]; clear communication about what we have and where key information can be found [10:32]; updating details of our ‘financial footprint’ annually [11:47]; sharing accounts and transferring assets once it is clear that death may not be far away [12:20].
5. Simon explains how a deed of variation can be a helpful tool that can allow beneficiaries of an estate to make changes to a will if they all agree to implement a new arrangement. [13:10]
6. In connection with estate planning, it can be helpful to be aware that a will doesn’t include instructions regarding pensions [14:46] and that national laws can take priority on occasion, as is the case with the ‘prior rights’ of spouses and the legal rights of children in Scotland. [16:23]
7. When it comes to the potentially complicated question of to whom should we give what when we die, Simon notes that there are many factors that may need to be taken into account. Ultimately, the decision is ours to make, but good communication will always be a vital part of the process. [17:35]
8. Simon shares some thoughts on how wealth can be passed on to grandchildren, if desired. The use of a trust can be an appropriate and cost-effective way to do this, as inheritance tax can be avoided and the trustees can ensure that the right amount of money is passed on at the right time and in an appropriate manner. [21:09]
9. Simon rounds off his comments by suggesting that if we can be well prepared for death, we will manage our financial arrangements in a manner that, potentially, will help to soften the blow of our death for our loved ones. [23:31]
10. Next week’s episode will focus on dealing with financial matters related to accident and/or illness that can affect families. [23:55]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

Our Instagram page will also provide you with additional content and features.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking here: https://where-your-treasure-is.kit.com/13c7b5fec6

Some key points of interest covered in this episode include the following:

1. Simon and Bex introduce the episode by explaining what they mean by ‘wider family’ [00:50] before going on to explain how their own circumstances have influenced their thoughts on the extent to which they might feel prompted, or not, to engage financially with members of their respective wider families. [02:46] and [03:34]
2. A sensible starting point, as so often with financial planning, is to know the nature and extent of your own resources. [04:05]
3. It can also be sensible and helpful to try to establish some kind of appropriate ‘hierarchy of needs’ when thinking about our wider family relationships, but a great deal of openness, honesty and thoughtfulness is likely to be necessary to achieve that outcome. [05:02] It can, however, be well worth going through that process if it leads to money being used as a tool for the benefit of others. [06:33]
4. Another approach that can be useful when trying to decide how generous we can afford to be to wider family is to establish criteria and responses that can assist with the decision-making process – these could include, for example, the option of giving time, skills or practical support rather than money. [08:08]
5. In response to a question from Bex, Simon shares some suggestions about how to communicate honestly, clearly and well in wider family contexts that can often be emotionally charged as a result of money being the subject under discussion. [12:02]
6. Simon also draws attention to third parties which can provide financial assistance, information, advice and support: the Government (national and local), charities and the local church. [16:21]
7. In his concluding remarks, Simon encourages us to be alert to the needs of those who do not have family or wider family available to support them. [19:55]
8. The next episode, which will be published after a short mid-season break, will focus on dealing with death-related financial matters that can affect families. [22:13]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

Our Instagram page will also provide you with additional content and features.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking here: https://where-your-treasure-is.kit.com/13c7b5fec6

Some key points of interest covered in this episode include the following:

1. Simon and Bex start off by talking about the importance of establishing an updated, shared understanding when adult children and their parents discuss money matters. Pete Scazzero’s ‘Emotionally Healthy’ resources are very helpful in this respect, and our own season on ‘Talking About Money’ may also be of interest. [02:17]
2. It can be helpful for an adult child to consider how best to broach the topic of money with a parent as it can be an emotive subject, and the motivation for raising it can sometimes be called into question. For their part, parents can often make the situation easier if they are willing to take the initiative and introduce a conversation on a money theme. [03:38]
3. The principle of honouring and respecting our parents is crucial to this whole area, with the most desirable outcome being an ability to tackle issues collaboratively rather than combatively. [06:38]
4. It can be a complete nightmare if financial affairs are not left in order, so Simon suggests ways in which the necessary conversations and subsequent action points can be implemented in a timely and appropriate manner. [08:36]
5. In response to a question from Bex, Simon talks about the importance of sharing relevant information with at least one other person if others are going to be affected practically and financially by your death. [11:03]
6. For those wishing to find out more about legal matters such as wills and power of attorney, Bex draws attention to the input given by Fiona Clarke, a private client solicitor, when she appeared on Season 3 Bonus Episode 2 of the podcast. [12:27]
7. When it comes to the question of whether we have a definite responsibility to support our parents in financial matters, Simon suggests that the starting point should be to have an honest and open conversation about the situation and then see where that leads. [12:46]
8. Similarly, timely and thoughtful conversations with other family members are often required, for example when issues arise of how best to care for and support parents when they are ill or can no longer live independently. [15:47]
9. Simon then shares some thoughts on possible care scenarios, with Age UK being mentioned as a possible source of helpful information and advice. [18:21]
10. Bex and Simon conclude the episode by reiterating the importance of taking opportunities to have financial conversations with family members, not least because the sooner those chances are taken the more likely it is that there will be positive outcomes. [22:26]
11. Next week’s episode will expand the conversation to include financial matters that affect the wider family. [23:34]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

Our Instagram page will also provide you with additional content and features.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking here: https://where-your-treasure-is.kit.com/13c7b5fec6

Some key points of interest covered in this episode include the following:

1. When asked how much money people need to have in order to be able to afford to have children, Simon suggests that couples should fully discuss the matter but should not make it a financial decision. [01:17]
2. On the topic of what do children need to know about money, Simon notes that it is a complex area and that it is hard to prepare children for what their ‘real world’ use of money is going to be like. Approaches that are likely to be helpful include talking openly about money and the reasons for the financial decisions that we make, including in connection with our giving. [03:32] Modelling certain behaviour – eg giving to the church – can also have a significant impact, as Bex observes. [05:39]
3. Simon comments that it is becoming more complex and challenging for young people to become financially knowledgeable, adept and independent, with the result that practical and emotional support from parents has become more important than ever. [06:27]
4. Some tips and tricks from Simon for educating children financially include getting them to save for items or to pay instalments to parents for special purchases, as well as briefing them on payment options such as interest free loans, buy now pay later, and credit cards. [08:18]
5. As far as specific accounts for children are concerned, the disadvantage of Junior ISAs is that they can give an 18-year-old unfettered access to a significant amount of money, which may not always be helpful or wise. Parents can, however, use their own ISAs to build up savings for a child in a more controlled manner. Current accounts for children can get them used to managing their own money while prepayment cards, in particular, can provide them with useful hands-on experience of making their own purchases. [09:41]
6. Simon talks through the pros and cons of taking on debt through loans, with a particular focus on student loans. [11:47]
7. Simon explains some of the factors that need to be taken into account when parents are considering assisting children financially with the purchase of a property. [14:58]
8. Other factors worth considering when parents are thinking about giving money to their children include tax efficiency, fairness/equality and clear communication with all relevant parties. [17:40]
9. Simon offers some thoughts for parents on the tricky issue of how to deal financially with a child who is making contrary lifestyle choices. [20:03]
10. When asked what end of life, financial preparations parents can make that will be helpful to their children, Simon emphasises the benefits of simplification and good communication. [22:08]
11. Bex draws attention to Season 4 of the podcast as a useful resource for anyone looking for tips and practical suggestions about having conversations about money. [24:25]
12. The focus of next week’s episode will be on financial issues that have particular relevance for parents. [24:55]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

Our Instagram page will also provide you with additional content and features.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking here: https://where-your-treasure-is.kit.com/13c7b5fec6

Some key points of interest covered in this episode include the following:

1. Simon and Bex introduce the new season and draw particular attention to the interplay between finances and relationships that will run through it. [00:33]
2. Opening up the topic of financial matters relating to spouses and long-term romantic partners, Simon outlines his reasons for recommending that people in those kinds of relationships should combine their finances. [03:03]
3. Key elements that are vital to merging finances successfully include good communication, openness, an appreciation that people take different approaches to dealing with money and good budgeting practices. [05:57]
4. Bex mentions that CAP (Christians Against Poverty) run excellent budgeting courses for individuals or couples looking to acquire skills in that area. [11:00]
5. Speaking about our relationship with money, Simon notes that ‘our heart’ can often help us discern how much is appropriate to spend in a particular circumstance. In addition, ‘practice’, experience and welcoming input from others can all help us to make thoughtful and appropriate adjustments to our spending habits. [12:58]
6. There are elements, such as pensions and ISAs, that have to be apportioned individually, but Simon suggests that a key principle should be to approach family finances holistically. [14:46] And in that context, the focus and aim should not be on the material goal of maximising household income but on the family priority of maximising household value. [16:18]
7. Planning, preparation and, most of all, communication are vital elements to include when looking ahead to the potential financial implications of the death of a partner or spouse. [19:01]
8. In his closing comments, Simon suggests that the allocation of ‘pocket money’ can be a really helpful way of introducing flexibility, individual discretion, trust and clear expectations into shared financial arrangements. [20:16]
9. Next week’s episode will focus on managing our finances with children in the mix. [23:12]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

Our Instagram page will also provide you with additional content and features.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking here: https://where-your-treasure-is.kit.com/13c7b5fec6

Some key points of interest covered in this episode include the following:

1. Stew introduces himself and talks about his Christian upbringing. [01:13]
2. Stew then goes on to describe how he became involved in the banking sector. [03:43]
3. In response to a question from Simon, Stew explains the nature of his role, working on financial projects with healthcare professionals. [06:19]
4. Simon’s follow-up question is about the requirement for a bank to make a profit, prompting Stew to explain how a strong ethical approach can be entirely consistent with that goal. [08:26]
5. Stew then provides some comments, in response to a question from Bex, outlining some steps to take in order to ensure that any loan undertaken is appropriate and manageable. [10:35]
6. When asked about the attitudes displayed by those requesting loans, Stew highlights the benefits of deliberately seeking out advice rather than assuming that current knowledge will be sufficient. [12:37]
7. As far as expressing his faith in the workplace is concerned, Stew emphasises the importance of consistently demonstrating integrity and honesty, especially when the awkward moments and difficult conversations come along. [14:29]
8. Stew acknowledges that there has been a stereotypical image of banks dealing very formally with customers, but his experience and practice is that banks now make it their top priority to be client focused and to deliver really high quality services. [16:09]
9. When given the opportunity to share some final thoughts, Stew talks passionately about stewardship and generosity being two key principles that are the hallmarks of how he aspires to use the money with which he has been entrusted by the Lord. [17:56]
10. The focus of Season 12 of the podcast will be on financial issues around ‘family matters’, with the first episode dropping on 28 January 2026. [21:09]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

Our Instagram page will also provide you with additional content and features.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking here: https://where-your-treasure-is.kit.com/13c7b5fec6

Some key points of interest covered in this episode include the following:

• Caralyn introduces herself, speaks about how she became a Christian and explains how her involvement in the insolvency profession came about. [01:19]
• Next, Carolyn describes the nature of the role that she fulfilled and the importance of being thorough but also sensitive when carrying out required tasks. [04:19]
• When asked about the factors that can lead to people finding themselves in significant debt, Caralyn explains that these can be wide-ranging and that situations can spiral downwards very quickly if they are not addressed directly. [07:13]
• Caralyn talks about the impact on individuals and those around them of a formal debt-related process, highlighting that the consequences can often be particularly unexpected and distressing for family members and employees. [11:20]
• In response to a question from Simon, Caralyn explains the circumstances under which bankruptcy might be viewed as an expedient, or even an appropriate and helpful, course of action. [13:36]
• Caralyn emphasises the importance of honestly acknowledging debt problems when they arise and of communicating promptly and well when seeking assistance to deal with them. [15:43]
• Certainly, the earlier that formal debt support activities, from the likes of Christians Against Poverty (CAP), can be triggered the better. [17:51]
• When asked about approaches that can lead to faith and finance interacting well, Caralyn referred to 2 Peter 1.5-8: “For this very reason, make every effort to add to your faith goodness; and to goodness, knowledge; and to knowledge, self-control; and to self-control, perseverance; and to perseverance, godliness; and to godliness, mutual affection; and to mutual affection, love. For if you possess these qualities in increasing measure, they will keep you from being ineffective and unproductive in your knowledge of our Lord Jesus Christ.” The development of such qualities, Caralyn suggests, will result in a greatly increased likelihood of managing our money well and responsibly. [18:23]
• Jesus' parable of the tower builder in Luke 14.28-30 is also helpfully pragmatic in the context of taking on risk, and business risk in particular. [19:41]
• When asked for her thoughts on living lives characterised by integrity, Caralyn suggests that intimacy with Jesus is a key element, mentioning John Mark Comer’s ‘Practicing the Way’ as a resource that she has found very helpful. [20:52]
• When drawing her comments to a close, and prompted by some reflections that had featured in Lectio365 that morning, Caralyn quoted from Isaiah 35.3-4: “Strengthen the feeble hands, steady the knees that give way; say to those with fearful hearts, Be strong, do not fear; your God will come”. It is not easy to take advice, but having the courage to step up and be open about issues will go a long way to addressing any difficult situation in which we find ourselves. [22:40]
• For anyone concerned about debt problems, Christians against Poverty and Citizens Advice provide really helpful free advice. [24:02]
• A further bonus episode with a special guest will be published on 14 January 2026. [25:16]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

Our Instagram page will also provide you with additional content and features.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking here: https://where-your-treasure-is.kit.com/13c7b5fec6

Some key points of interest covered in this episode include the following:

• Bex and Simon explain that their aim in this episode is to provide an overview of family-related matters which can pose challenges for us as we endeavour to use our money wisely and responsibly in such contexts. Because so many such situations of this nature have been identified, this theme will form the basis of the next season (Season 12) of the podcast. [00:33]
• The first topic to be mentioned is the challenge for single people of working out individually how to develop relevant and appropriate money management habits. [01:52]
• Those who are on the point of getting married / committing themselves to a future with another person have particular points to consider, including how best to share and combine finances. [02:58]
• The importance of money for those who do get married is highlighted by the fact that statistics suggest that finances are a major factor in most marriages that break down. [03:58]
• Having children inevitably has many money-related consequences which, ideally, would be discussed in advance. [05:01]
• Being a positive role model for our children in the way that we view money and use it is another important challenge to take on. [05:53]
• Another major area of focus is likely to be the relationship that we have with our parents and how finances feature within that, not least because levels of dependency can change so significantly over time. [06:49]
• Caring for others within a family context can often have significant implications on the resources that we have, including our time and money. [09:26]
• In some contexts, intergenerational family planning can be very worthwhile but it needs to be handled carefully and appropriately. [12:56]
• While acknowledging that it can be a difficult topic to address, Simon highlights the benefits of making appropriate and detailed end of life arrangements to cover personal, practical and financial matters. [15:31]
• In response to a question from Bex, Simon talks about the financial elements that can arise in connection with divorce or separation. One option that aims to create a constructive environment for decision-making in such circumstances is the possibility of involving collaborative lawyers, who will endeavour to find outcomes that are acceptable to both parties. There are also collaborative financial planners who can support that type of process as well. [18:00]
• Simon and Bex warmly invite listeners to send in comments, thoughts and questions that will help to frame our next season, during which the topics touched upon in this episode will be discussed further. [22:05]
• A couple of bonus episodes will be published over the next few weeks, and then Season 12 will launch at the end of January. [22:41]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

Our Instagram page will also provide you with additional content and features.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking here: https://where-your-treasure-is.kit.com/13c7b5fec6

Some key points of interest covered in this episode include the following:

• When providing an overview of types of insurance [01:14], Simon begins with car insurance because it is widely familiar to people as a result of it being a legal requirement for driving in the UK. [01:44]
• Home insurance is also very common and offers a range of options, depending on an individual’s circumstances. [03:39]
• The extent to which someone requires life insurance is also determined by circumstances, including whether or not anyone else is financially dependent on that person. [05:10]
• When it comes to health insurance, there are four main types: critical illness insurance [08:13]; income protection [09:20]; accident, sickness and unemployment insurance [10:41]; and private medical insurance [11:23].
• In response to a question from Bex, Simon talks about the contexts in which pet insurance might be considered. [12:11]
• The final main type of insurance is holiday insurance. [13:46]
• Bex explains how ’excess’ payments work and how they can reduce the premium paid when buying insurance. [15:10]
• Simon explains the concept of ‘group risk’, which underpins the insurance system. [17:07]
• Simon shares some thoughts on how we might decide whether or not we need insurance in particular instances. On some occasions, for example, it may be more cost effective for us to ‘self-insure’. [19:12]
• When asked what the ‘Christian’ response to this topic should be, Simon suggests that, if we can afford it, insurance can be an effective way of helping us to avoid unmanageable crises and to steward our resources well. [21:54]
• In the final episode of this season, the focus will be on financial issues around ‘family matters’, which will lead on to further coverage of that theme in Season 12. [25:17]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

Our Instagram page will also provide you with additional content and features.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking here: https://where-your-treasure-is.kit.com/13c7b5fec6

Some key points of interest covered in this episode include the following:

• Simon starts off by explaining why debt is a relevant and important topic for all of us. [00:33]
• Simon talks about ‘good debt’ and ‘bad debt’, highlighting the importance of being able to distinguish between our ‘needs’ and our ‘wants’. [03:29]
• Another important skill is to be able to discern between ‘manageable debt’ and ‘unmanageable debt’, and to organise our financial affairs accordingly. [05:43]
• When reviewing what the Bible says about debt, Bex and Simon comment on the following verses: Romans 13.7-8, ‘Give to everyone what you owe them: if you owe taxes, pay taxes; if revenue, then revenue; if respect, then respect; if honour, then honour. Let no debt remain outstanding, except the continuing debt to love one another.’; Matthew 5.42, ‘Give to the one who asks you, and do not turn away from the one who wants to borrow from you.’; Matthew 6.12, ‘And forgive us our debts, as we also have forgiven our debtors.’; Proverbs 22.7, ‘The rich rule over the poor, and the borrower is slave to the lender.’ [08:16]
• Simon explores the various ways that we can get into debt and highlights behaviours (including distinguishing between ‘needs’ and ‘wants’ and talking to others about our spending habits) that can help us to steer away from unmanageable debt. [11:30]
• Setting our own expectations for expenditure or articulating our budgetary boundaries to others (eg through ‘loud budgeting’) can also be helpful ways of putting sensible limits on what we spend. [16:59] Bex draws attention to previous podcast topics dealing with this area: Season 8 Ep9: Top 10 Money Tips for Teenagers with Dave Hall, Youth Pastor (‘loud budgeting’ at 25 mins 26 secs); Season 4: Talking About Money; and Season 2 Bonus Episode 2: Press 'Reset' on Some of our Major Expenses. [18:05]
• In response to a question from Bex, Simon explains how the concept of delayed gratification – deliberately waiting until costs have been covered before enjoying something – can help us not only to spend within our means but also to gain pleasure from the anticipation of looking forward to something that has been paid for. [18:42]
• In his closing comments, Simon speaks about how we can be good with money and do good with money when dealing with the topic of debt. [21:10] He also mentions ‘Christians Against Poverty’ and ‘Citizens Advice Scotland’ as two highly respected organisations that can provide assistance to individuals struggling with unmanageable debt. [22:18]
• Wrapping up the episode, Bex draws attention to previous podcast episodes about ‘Debt’. In particular, the content covered in Episodes 6 and 7 of Season 1 and Season 7 Episode 3 could provide some additional useful listening material. [24:21]
• Next week’s episode will focus on the topic of ‘Insurance’.

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

Our Instagram page will also provide you with additional content and features.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking here: https://where-your-treasure-is.kit.com/13c7b5fec6

Some key points of interest covered in this episode include the following:

• Simon introduces the topic of taxes by quoting from the UK Parliament’s introduction to taxes on its website. [01:44] He then makes mention of Tax Freedom Day to illustrate the extent, variety and significance of our tax system. [03:36]
• When it comes to our attitude towards taxes, Simon and Bex note the importance of recognising how much we as individuals, and also society as a whole, benefit from the UK’s taxation arrangements. [05:04]
• For its part, the Government has made a priority of explaining how taxes are used, with HMRC publishing detailed information about the expenditure that has been made possible through taxation. [06:55]
• Simon suggests that the ‘right’ amount of tax to pay should be based on honest and accurate personal financial information, combined with any valid reductions that can be applied for specific, recognised purposes. [08:24]
• To illustrate the challenge that the Government faces in trying to make the tax system efficient and effective, Simon talks about the Laffer Curve, explaining that it shows how individuals and businesses alter their behaviour in response to changing tax rates. [09:49]
• References to tax in the Bible include the following: Jesus saying that we should give to Caesar what is Caesar’s and give to God what is God’s (Matthew 22.15-22); Jesus providing a coin from a fish to pay the temple tax (Matthew 17.24-27); and Paul saying that it is right to pay taxes (Romans 13.6-7). [12:20]
• Simon explains the difference between tax evasion and tax avoidance: the former means that the right amount of tax is not being paid, which is illegal; the latter is sanctioned, and indeed promoted, by the Government in order to prompt people to participate in specific schemes (eg investing in their pensions) that - over the long term - will produce better outcomes for the government, for society and for the individual. [17:59]
• Simon suggests that our default position should be to obey the law by paying the taxes that we owe. If we are unhappy about the amount of tax that we can pay, we can look into allowable, practical ways of improving our individual circumstances, and we can also engage with the politics of the situation by lobbying for change. [20:18]
• In Simon’s concluding remarks, he encourages us to be deliberate, thoughtful and prayerful in this area while also seeking practical advice, as appropriate. [21:59]
• Next week’s episode will explore the very important topic of ‘Debt’. [23:37]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

Our Instagram page will also provide you with additional content and features.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking here: https://where-your-treasure-is.kit.com/13c7b5fec6

Some key points of interest covered in this episode include the following:

• Simon explains why pensions can be so important to our attempts to be good with money throughout our lives [00:51] despite the fact that, as Bex points out, it is now being reported that a significant number of working age adults are currently not paying into a private or workplace pension. [02:42]
• Simon outlines what a pension is [04:18] and then goes on to describe different types of pension, including the state pension, the defined benefit workplace pension, the Career Average Revalued Earnings pension and personal pensions. [06:17]
• Drawing on her own experience, Bex notes that personal pension providers have become adept at simplifying and streamlining pension arrangements for their customers. [09:18]
• In response to questions from Bex, Simon talks about the different factors that can influence our pension-related behaviour ranging from being in our 20s (when any pension contributions can ultimately yield a high return) [12:39], then progressing into the very busy and expensive middle stage of life [15:50], and finally into the pre-retirement phase. [19:33]
• For some people, the pre-retirement period can be a helpful time to seek professional financial advice. [20:14] Among the options that can be worth considering at this time are exploring the possibility of phased, or even ‘multiple’, retirements [22:05] and proactively planning the detail of what we would like our retirement to look like. [23:29]
• Concluding his comments, Simon stresses the importance of having a realistic and effective plan to manage money throughout retirement, for however long that may last [24:17]. He also notes the invaluable benefits, to family members in particular, of being organised and communicating well when it comes to putting our affairs in order in preparation for the end of life. [25:56]
• After a week’s break, our next ‘Good with Money’ episode will be on the theme of ‘Taxes’. [27:13]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

Our Instagram page will also provide you with additional content and features.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking here: https://where-your-treasure-is.kit.com/13c7b5fec6

Some key points of interest covered in this episode include the following:

• Simon starts off by explaining the two core elements of investing: to counteract the effects of inflation [04:48]; and to achieve an expected return, very often for a specific purpose. [06:14]
• Simon talks about the different kinds of ‘bonds’ (including premium bonds, bank bonds and corporate bonds) that can be used for investing. [08:23]
• In response to a question from Bex, Simon explains that activities such as acquiring gold, buying currency and day trading do not have an expected return and should not therefore be classified as ‘investing’ in the pure sense of the term. [11:05]
• Simon uses a story about the respective business needs of a farmer and a baker to illustrate how hedge fund traders can attempt to take advantage of the commodities market. [14:24]
• Property is another interesting area – unlike many other investments, it is generally not a passive income stream; instead, it requires active management and involvement from those wishing to make a profit from investing in that area. [16:06]
• Simon then goes on to address the issue of whether investing should be regarded as a form of gambling, with the key point being the presence, or not, of an expected return. [17:18]
• Quoting from Luke 12.16-21, Mark 10.17-21 and 1 Timothy 6.10, Bex and Simon highlight the importance of resisting the temptation to make money a goal in its own right when engaged in investing activities. [19:40]
• For anyone interested in exploring how we can adopt a heavenly perspective and have pure motivation when working and earning money, Bex would recommend ‘The Garden City’ by John Mark Comer. [23:34]
• Concluding his comments, Simon emphasises the importance of investing in order to achieve a specific and appropriate purpose. [24:01]
• Next week’s episode will focus on the related topic of ‘Pensions’. [25:20]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

Our Instagram page will also provide you with additional content and features.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking here: https://where-your-treasure-is.kit.com/13c7b5fec6

Some key points of interest covered in this episode include the following:

• Simon introduces this episode by explaining that saving allows us to control our money by moving it through time so that it is available when we need it. [01:44] He goes on to explain that saving is a means of putting money aside while the aim of investing is to generate a financial return from money that has been placed into some kind of venture with that purpose in mind. [02:37]
• In response to a question from Bex, Simon comments that, generally, saving should be our second priority (after giving) when organising and deploying our money. [03:55]
• When it comes to deciding on a desirable size for an emergency fund being created by saving, Simon suggests that the key consideration is to go for a proportionate amount or ratio that suits our particular circumstances. [06:03]
• When asked to pinpoint a key benefit of saving, Simon talks about the resilience that it gives to our financial journey, for example by cushioning the shock of a sudden spike in expenditure that happens annually for most people at Christmas and which otherwise could push us into debt. [08:13]
• However, a saving strategy can only protect us against known future expenses [12:09] if we are able and willing to use our emergency fund when the need arises. [13:59]
• Being flexible in how we respond to financial pressure points or competing demands on our resources can be assisted significantly by maintaining a God-focused perspective of, ‘It’s His money; what would He have me do with it? [15:24]
• Simon remarks that the need to save is likely to be less of a priority for those who are approaching retirement or who are already retired. [17:57]
• When wrapping up the episode, Simon comments that the next stage after saving is to consider investing. He also addresses the issue of whether or not we should attempt to save if we are in debt. Regarding that latter point, he mentions that a number of previous episodes of the podcast have focused on the issue of debt; for example, , Season 8 Episode 6 looks at ten top tips for dealing with debt. [19:46]
• Simon’s final, final, final observation is that John Wesley, in his ‘Use of Money’ sermon, encourages his congregation to earn, give and save as much as they can – notably, omitting any mention of ‘spending’ as a significant priority. [22:30]
• Next week’s episode will focus on the topic of ‘Investing’. [23:23]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

Our Instagram page will also provide you with additional content and features.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking here: https://where-your-treasure-is.kit.com/13c7b5fec6

Some key points of interest covered in this episode include the following:

• Simon and Bex start off the show by announcing the three charities that will each receive £100 as part of the celebrations for the podcast’s 100th episode, aired on July 30th. [00:37]
• Bex and Simon explain that Season 11 is going to be about using our money well and not just managing it well. Topics covered in the eight core episodes of the season will comprise the following: budgeting, saving, investing, pensions, tax, debt, insurance and family matters. [02:22]
• Simon uses a couple of examples to support his comment that budgeting is a pervasive topic when dealing with money and is therefore a really good place to start when aspiring to be good with money. [06:22]
• The power of a budget is that it enables us to plan ahead and to decide how we are going to ensure that we give ‘every pound a purpose’. Equally important is the encouragement not to pay ourselves first, but instead to give to God first, as illustrated by Proverbs 3.9: ‘Honour the Lord with your wealth, with the first fruits of all you produce.’ [12:46]
• In response to a question from Bex, Simon gives an example of how ‘framing’ our priorities can help us to strike the right balance between what we allocate to current expenditure and what we earmark for the future. [14:16]
• Simon provides a broad-brush overview of Christian budgeting, starting off with Psalm 24.1 (‘The earth is the Lord's and everything in it’) to illustrate that we are stewards of any wealth we have, and going on to mention the importance of prioritising our giving and ensuring, also, that we live within our means. [17:43]
• When asked to identify some additional key principles, Simon highlights the following behaviours: use money as a tool rather than making it a goal in its own right; be aware of the danger of having a rigid attitude to budgeting that can inhibit our ability to be sensitive to prompts from God about how He wants us to use our money; be open about money matters with others and seek wisdom from them. [21:46]
• Listeners are warmly invited to share their thoughts and experiences related to budgeting. Next week’s episode will explore the topic of ‘Saving’ [24:07]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

Our Instagram page will also provide you with additional content and features.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking here: https://where-your-treasure-is.kit.com/13c7b5fec6

Some key points of interest covered in this episode include the following:

• Naomi introduces herself, speaks about her Christian upbringing and explains how it came about that she completed a degree in philosophy and theology and then entered the world of finance and financial services. [01:02]
• In response to questions from Bex and Simon, Naomi talks about how her attitude towards money has been affected by living in a number of different countries [04:38] and also by examples of sacrificial generosity from the Bible and her own experience. [06:06]
• For Naomi, the last few years have been an interesting time of responding to new financial challenges and opportunities, as well as a period of trying to put in place good money management building blocks for the future. [09:56] Looking to the long-term, her hope would be that she would build up a track record of using money well, wisely and for the benefit of others. [11:13]
• When asked about the relationship that her peers currently have with money, Naomi suggested that a number of different trends seem to be emerging, including a genuine appetite to talk about money, a desire to deal with it well and to ‘work it out’. [12:29]
• Prompted by Simon, Naomi talks about an occasion when God’s provision for a mission trip came as a natural outcome of responding positively to what she felt that God was saying to her about getting a job. [16:09]
• When asked about practical money tips that have helped her, Naomi highlights the value of using written notes to help her plan ahead, coupled with an honest and pragmatic approach that ensures that she doesn’t ignore problems and neither is she unhelpfully optimistic about her financial position. [18:06]
• Naomi proffers some comments on her generation’s awareness of scams and also the extent to which they have embraced the variety of payment and purchase options available these days. [19:41]
• On the topic of things that money can’t buy, Naomi comments that ‘if money is your goal, you won’t ever achieve it,’ and observes that, as far as she is concerned, relationships – with others and with God – are priceless. [21:57]
• Despite Bex’s lack of awareness of what is next for the podcast, these show notes can reveal that Episode 1 of Season 11 (‘Good with Money’) of the ‘Where your Treasure Is…’ podcast will drop on Wednesday 1 October 2025! [23:21]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

Our Instagram page will also provide you with additional content and features.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking here: https://where-your-treasure-is.kit.com/13c7b5fec6

Some key points of interest covered in this episode include the following:

• Simon introduces Frank [00:56], who talks about his Christian upbringing [02:05] before going on to explain how his career in financial services came about. [03:15]
• Next, Frank speaks about the challenges of maintaining a faith perspective within the workplace [04:53] and of becoming more open and natural about his Christian beliefs over time. [06:55]
• In response to a question from Bex, Frank shares some thoughts about his experiences of having conversations with people about money, outside the work context. [10:14]
• Prompted by Simon, Frank remembers a lesson in generosity and compassion that he learnt from his father. [12:07]
• When asked about generational attitudes to money, Frank highlights the different experiences of, and perceptions of, the availability of credit and the nature of debt. In that context, the money course run by CAP (Christians Against Poverty) has proved to be a very useful resource. [16:28]
• For Frank, the standout passage from the Bible that deals with attitudes to money is Hebrews 13.5: ‘Keep your lives free from the love of money and be content with what you have, because God has said, “Never will I leave you; never will I forsake you.”.’ He then goes on to share a story of God’s provision to illustrate that verse in action. [19:48]
• When asked about a possible tip to share with his younger self, Frank highlights the importance of letting God into our financial situations and getting to the point where we genuinely trust Him to provide what we need. [22:21]
• On the issue of things that money can’t buy, Frank agrees with The Beatles and also prizes genuine, deep-rooted friendships far above worldly wealth. [24:14]
• The second bonus episode of this ‘Money and Me’ season will feature a conversation with another of Simon’s colleagues – whose identity is currently shrouded in mystery! – which will serve as a companion piece to this episode. [25:21]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

Our Instagram page will also provide you with additional content and features.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking here: https://where-your-treasure-is.kit.com/13c7b5fec6

Some key points of interest covered in this episode include the following:

• Simon explains why, in the context of the ‘Money and Me’ season, it seemed worthwhile to have a podcast episode which explores what money can’t do. [01:20]
• Simon suggests that the familiar expression, ‘Money can’t buy happiness,’ isn’t entirely true as money can certainly make a difference by addressing basic necessities, enabling people to move beyond the lowest rungs of Maslow’s ‘Hierarchy of Needs’. [02:14]
• Money can also make a difference to our health, but it definitely can’t cover all the bases. [06:51]
• Similarly, money can help to support our social interactions, but it can’t, for example, buy a best friend! [09:47]
• Simon notes that if we are offering practical help to someone, it can make a real difference if we are specific about the ways in which we can help. [12:59] He also points out that creating time for people by the way that we provide support can be an invaluable gift for them [15:35], as can something that we are able to do for them because of a skill that we have. [17:27]
• Many of the things that money can’t buy can contribute to a sense of joy that is more deep-rooted and significant than just feeling happy. [18:05] Bex quotes from Philippians 4.11-13 to illustrate the nature of the deep contentment and trust that Paul suggests should be the experience and hallmark of Christians: ‘I am not saying this because I am in need, for I have learned to be content whatever the circumstances. I know what it is to be in need, and I know what it is to have plenty. I have learned the secret of being content in any and every situation, whether well fed or hungry, whether living in plenty or in want. I can do all this through him who gives me strength.’ [19:05]
• Simon suggests that a godly perspective (the Perspective Hack) can make all the difference to the way that we live our lives and the degree to which we feel a sense of purpose. [19:58]
• And, of course, as the Beatles sang, one vital element of life that can’t be bought is love! [21:30]
• Bex invites listeners to send in their ideas about ways in which we can help others [22:11], and also recommends listening to our 100th episode to learn about the charity giveaway that is currently taking place. [22:47]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

Our Instagram page will also provide you with additional content and features.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking here: https://where-your-treasure-is.kit.com/13c7b5fec6

Some key points of interest covered in this episode include the following:

• Simon introduces the episode by explaining that there is nothing dodgy about the hacks that he will be sharing with listeners. Instead, they are simply different ways of looking at money matters, or dealing with money tasks, that are designed to enhance our ability to use and manage money well. [01:04]
• Hack number one is the Toolbox Hack, which emphasises the importance of treating money as a tool rather than making it an objective in its own right. [02:06]
• Simon’s second hack is the Purpose Hack, based on the principle that every pound should be given a purpose. [02:58]
• The Three Pots Hack guides us into dividing our money into three separate elements: what we’re going to spend; what we’re going to save; and what we’re going to give. [04:19]
• Some hacks can be boring but necessary, and the Track Your Spending Hack [04:46] and the Renewals Reminder Hack [06:15] are good examples of that category.
• The Snowballing Hack provides two very helpful approaches to paying off debt. [07:21]
• One way to try to avoid having regrets about how we have spent and used our money is to imagine how we will look back on our financial track record in the future, as illustrated by the Rocking Chair Hack. [09:33]
• In response to a question from Bex about her experience of a banking app that had set bank customers a One Penny per Day challenge, Simon suggests that the situation that has been created could be described as the outcome of a Compounding Hack operating in conjunction with a Gamification Hack! [10:31]
• Like the Rocking Chair Hack, the Seesaw Hack aims to encourage the responsible and prudent use of resources but it does so by prompting us to look ahead rather than backwards. It can be a really useful mechanism for weighing up the complex competing needs and desires of our current self and our future self. [12:07]
• Following an invitation from Simon to name a hack describing the inability of some people to use their emergency fund, Bex settles on the Gilded Cage Hack. [15:09]
• Simon explains why he has come to appreciate the Investing in Presents Hack [16:12] before going on to talk about two time-related hacks. The Time Machine Hack [17:01] delves further into the consequences for our future self of decisions that we make now, and the Relativity Hack [18:53] highlights the significance of the choices that we make when we decide to whom we are going to compare ourselves.
• Simon concludes by describing the benefits of giving money away (the Generosity Hack) [20:12], the advantages of applying automatic processes to the income we receive (the Non-stick Hack) [21:11] and the importance of identifying and prioritising what is most important to us in the long-term (the Ladder Hack, as articulated by Stephen R Covey). [23:03]
• Listeners are invited to get in touch and share – for publication, if so desired - their own money hacks. [24:37]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking here: https://where-your-treasure-is.kit.com/13c7b5fec6

Some key points of interest covered in this episode include the following:

• Simon and Bex set the celebratory tone for Episode 100 with an impromptu drum roll, cupcake chat and a review of favourite 100s, including the FTSE 100. [00:33]
• Biblical references to 100 are also covered although Simon notes that the number doesn’t seem to have been as significant to that culture as it is to ours. [06:22]
• Bex puts Simon on the spot by asking him how many of the ten podcast seasons that have generated one hundred episodes he can remember! [09:10]
• Simon acquits himself much better when he and Bex talk about the episodes that they have enjoyed the most! [10:25]
• Bex and Simon explain that they want to emulate a Hobbit tradition by using a notable event to give something away to others. In this instance, they are inviting listeners to participate in some ‘spontaneous planned giving’, inspired by the content of last week’s podcast episode: Season 10 Episode 6 – The Great Giveaway. [13:10]
• Listeners are invited to nominate a worthy charity that would, if selected, make excellent use of one of three £100 gifts being made available by the ‘Where Your Treasure Is…’ team of Simon, Bex and Mike. Nominations should be submitted by 31 August 2025 via Instagram - @whereyourtreasureispodcast – or email - whereyourtreasureis@freerangepodcasting.co.uk [16:48]
• Inspired by its ability to provide food for the soul, Simon signs off by reading Psalm 100. [19:24]
• Simon and Bex demonstrate great trust by introducing outtakes without knowing what bloopers, surprise content and mangled email addresses may lie ahead! [20:12]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking here: https://where-your-treasure-is.kit.com/13c7b5fec6

Some key points of interest covered in this episode include the following:

• Simon introduces the topic of generosity by describing it as a highly significant, God-initiated ‘Great Giveaway’ in which we can participate as enthusiastic stewards of all that we have been given. [00:33]
• Simon stresses the importance of having a holistic attitude to generosity so that our giving is not restricted solely to monetary gifts. [01:47]
• In response to a prompt from Bex, Simon explains how generosity can benefit both the giver and the recipient, acknowledging the influence that the book, ‘Happy Money’, has had on his thinking in this area. [04:37]
• One approach that Simon has found to be very helpful and effective is to engage in ‘spontaneous planned giving’. This has also proved to be a great way of encouraging others to be generous as well. [07:36]
• Simon goes on to share two other practical tips. First of all, he talks about giving as a means of investing in our relationships with other people by supporting family, friends and colleagues who are raising money for causes that are important to them. [10:25] Secondly, Simon suggests that the ‘good’ that we can do with our money can also include making deliberate shopping choices that benefit the local community. [11:54]
• Simon comments on the value of joining in the ‘grace of giving’, even if we can give only a tiny amount. He then goes on to talk about the great benefits - for all concerned, and also for society - of giving our time - and very often our expertise as well - through volunteering activities. [14:29]
• Simon’s remarks on the benefits of sharing expertise and encouraging community prompt him to invite listeners to engage further with the podcast and to share suggestions and requests with him and Bex through the contact details that are included at the end of these show notes. [ 21:22]
• Next week’s episode will be the hundredth edition of the ‘Where Your Treasure Is…’ podcast – worth ‘a minuscule drum roll’, according to Bex! Simon and Bex will not only be celebrating with cake, they will also be sharing a way of marking the occasion that seems to fit in with the content that has been covered in this episode and will also provide listeners with the opportunity to join in with the ‘grace of giving, if they would like to do so. [22:57]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking here: https://where-your-treasure-is.kit.com/13c7b5fec6

Some key points of interest covered in this episode include the following:

• Bex and Simon open up the topic by discussing why talking about money can be a difficult thing to do and the extent to which our culture affects our attitudes towards money and the way that we speak about it – or not, as the case may be! [01:33]
• It is noted that it can be easier to talk about money in a business context, but therein lies a danger because that can lead to a skewed perspective in which individuals are assessed and evaluated according to their monetary worth or potential. [04:29]
• Furthermore, if ‘price tag thinking’ takes hold, it can have a detrimental influence on the ‘value’ that we place on people and on the contribution that they make to life. [09:07]
• Another factor that we have to overcome if we are to have meaningful and helpful conversations about money is the worry and anxiety that it can provoke because of its potential significance in our lives. [11:16]
• Our ability to be ‘content’ with what we have emerges as a key point of interest, prompting Bex to share a couple of extracts from the Bible on that theme. In Philippians 4.12-13, Paul comments, ‘I know what it is to be in need, and I know what it is to have plenty. I have learned the secret of being content in any and every situation - whether well fed or hungry, whether living in plenty or in want. I can do all this through Him who gives me strength.’ And Psalm 37.16-17 says, ‘Better the little that the righteous have than the wealth of many wicked; for the power of the wicked will be broken, but the Lord upholds the righteous.’ [14:57]
• Simon’s top tip for opening up conversations about money is to do so in a way that draws people into an exchange of views rather than making them feel defensive as a result of feeling that they are having to justify the way that they deal with money issues. [18:31]
• For Bex, being open and transparent has helped to facilitate constructive discussions and better decision-making as far as money matters are concerned. [20:22]
• The next episode in the ‘Money and Me’ season will be ‘The Great Giveaway’ in which Simon and Bex will explore why and how we might want to make generosity an intrinsic element of our journey with money. [23:33]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking here: https://where-your-treasure-is.kit.com/13c7b5fec6

Some key points of interest covered in this episode include the following:

• In response to a question from Bex about factoring life’s uncertainties into our financial planning, Simon dives in at the deep end and talks about death. It serves as a useful illustration of the mixture of certainty and uncertainty that we experience in our lives – on the one hand, we know that we are all going to die at some point; on the other hand, we don’t know when that will happen and what financial impact it will have on others. [00:33]
• While it is not particularly pleasant to think about life’s uncertainties and reflect on the possible consequences of death and serious injury, doing so can prompt us to consider positive actions such as writing a will, taking out insurance and being prudent in our financial planning and expenditure. [06:20]
• Simon picks up on the insurance point and acknowledges that people can have mixed attitudes towards it, including querying it from a faith perspective. However, it can be extremely helpful when difficult life events occur and can also significantly reduce the impact and trauma of such happenings on individuals and families. [09:26]
• Simon goes on to offer some thoughts about limiting our exposure to the risk of redundancy and the benefits of proactively building resilience through our financial planning and the choices that we make. [13:09]
• When it comes to contingency planning, it can be worthwhile to think about setting up our finances so that some checks and balances - such as using bank or savings accounts requiring notice for withdrawals - are in place. [16:07]
• Simon’s top tips when it comes to thinking about the uncertainties that can arise in connection with buying a house is to do our best to remember all of the associated costs that come with moving home and to resist the temptation to stretch ourselves to the limit when taking on a mortgage. [17:34]
• ’Everyday emergencies’ – when expensive bills arise from unforeseen incidents and events – can be very stressful and difficult, so Simon urges listeners to put in place whatever proportionate and sensible financial contingency planning they can afford. A beneficial side-effect of taking that approach is that it increases the likelihood that we will be able to help others when they are in need. [22:46]
• After a short break, the next two episodes in this ‘Money and Me’ series will explore the challenges involved in talking about money and the benefits of being generous. [26:15]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking here: https://where-your-treasure-is.kit.com/13c7b5fec6

Some key points of interest covered in this episode include the following:

• Simon starts off by commenting that because people deal with issues in different ways, there is not a single, ideal way to manage our money. Instead, we need to select - from a range of options - the strategies and tools that are going to work best for us. [01:35]
• Rather than launching straight into an evaluation of money management tools, Simon highlights the importance of adopting key attitudes from the outset: being deliberate; being diligent; being discerning. [03:09]
• Unless we are deliberate in our approach to money, we will not take on the sense of responsibility that is required if we are going to be good and effective stewards of our wealth and possessions. [04:02]
• Diligence is the action of following through so that appropriate and thoughtful actions are taken. Research and study of relevant topics can really help us to achieve that goal, and Simon mentions a couple of specific recommendations that he has found particular helpful: the work of Mark Lloydbottom and books from www.eden.co.uk [05:47]
• Building up our ‘discernment muscle’ over time can really help us to align our decision making with godly principles and practice. [08:59]
• When it comes to the practicalities of managing our money, it is important to look both backwards and forwards. Looking backwards enables us to check for mistakes and also to review our spending. [10:47] Looking forward gives us the opportunity to plan the way that we use our money so that we can achieve goals that are important to us and are aligned with God’s call on our lives. [13:17]
• In response to a question from Bex, Simon mentions some money management ‘tools’ that he has found helpful. Currently, he uses a paid product, ‘You Need a Budget’ software, for his own purposes but he stressed the availability of free products that will serve most people’s money management needs – banking apps, spreadsheet tools and phone notes can all be really useful in helping us to track and plan expenditure etc. Bex added that she finds a digital ‘to do’ list, such as todoist, a great way of setting reminders to undertake particular financial tasks. [17:32]
• Simon concludes by emphasising the importance of taking account of both the ‘certainties’ and the uncertainties of life when planning our finances. Forethought, flexibility and allowing for unexpected contingencies can therefore be very helpful strategies to identify and develop. [19:38]
• Next week’s episode, ‘Life Happens!’, will drill down further into ways in which we can prepare ourselves and build resilience that can help us deal with the range of unwelcome surprises that we can end up having to deal with in our lives. [22:49]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking here: https://where-your-treasure-is.kit.com/13c7b5fec6

Some key points of interest covered in this episode include the following:

• Simon suggests that the first step in getting to grips with money is being willing to think and talk about it [01:25]; the second stage is to start exploring and understanding what we believe as a result of our faith and how that then affects the way that we think about money and how it should be used. [05:32]
• Simon talks about the importance of identifying a small number of key guiding values that tie in with our circumstances, experiences and personal priorities. We can test whether these values are likely to be appropriate and helpful for us over the long-term through the likes of the rocking chair test, which prompts us to evaluate our anticipated direction of travel by looking into the future and thinking about the kind of person we might become. [07:44]
• Simon comments that one of the biggest challenges that we face arises from the fact that the culture of the society in which we live can exert a huge influence on our attitudes towards wealth and possessions. If we are to exercise integrity in our dealings with money, we not only need to be alert to that factor, we will also need to make our own decisions, based on our view of the nature and purpose of money. [12:25]
• In response to a question from Bex, Simon talks about possible ways in which we can find an appropriate balance between being responsive and generous with our money while, at the same time, managing it in a godly and wise manner. Two very significant principles for us to consider in that context are to include others in our money journey and to have a ‘stewardship’ mindset. [16:05]
• Next week’s episode, ‘Do I Need a Spreadsheet?’, will explore some of the practical tools that can help us to turn our principles into practice when it comes to managing and using our money well. [21:16]
• Bex rounds off the episode by encouraging listeners to pick up the challenge of having a money conversation this week and to get in touch to say how that went. [22:30]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking here: https://where-your-treasure-is.kit.com/13c7b5fec6

Some key points of interest covered in this episode include the following:

• Simon talks about a Peugeot 204 and the part that it played in the first ‘gripping memory’ that he has of money. [03:45]
• Simon's first significant experience of managing his own money was when he became a student. [06:06]
• Being left some money in his Gran’s will prompted Simon to consider the relevance of biblical teaching to what he did with his money. [08:32]
• Getting married was a really formative time in Simon’s journey with money, especially in terms of coming to appreciate the difference between ‘managing’ money and ‘using’ it. [13:19]
• Thinking of money as a tool helped Simon and his wife set goals for their mortgage and the kind of house that they wanted to buy that were in line with their desire to create a really good home for their family and to be hospitable. [16:04]
• Simon explains some factors that have influenced his approach to financial planning, highlighting, in particular, the need for people to identify and understand what is most important to them if they are going to use money well. [18:10]
• Simon concludes the episode by talking about why the ‘Where Your Treasure Is…’ podcast exists. [21:05]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed through @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking here: https://where-your-treasure-is.kit.com/13c7b5fec6

Some key points of interest covered in this episode include the following:

• Kemi introduces herself, explaining the steps that led her to become the CEO of Somebody Cares. Her achievements en route include becoming the first black woman to serve as a University Chancellor in Scotland. [01:09] Kemi goes on to talk about how Somebody Cares gives immediate relief and support for people in hardship and poverty in and around Aberdeen by providing furniture and running a food bank. [02:40]
• In response to a question from Bex, Kemi outlines her journey of faith from childhood, through her professional life and into the present day. [05:24]
• Kemi describes the nature of her role at Somebody Cares and the importance of finding time both for immediate, practical priorities and for long-term, strategic planning. [13:21]
• When asked about the significance of money to her role, Kemi speaks about funding, contingency planning and using the money well so that it makes the greatest possible impact. [16:43]
• Kemi drills deeper into funding arrangements and explains how listeners can support Somebody Cares and similar charities. [22:18]
• Kemi responds to a question from Simon about how her attitude to her own personal giving has been affected by her involvement with a charity. [27:45]
• As well as the website that explains charity VAT(!), Kemi has found www.goodfinance.org very helpful as it provides key performance indicators and examples linked to social impact reporting. [29:39]
• Kemi’s final piece of advice is directed towards anyone who feels that God may be calling them to some kind of involvement in the charitable sector. As well as praying about the options, Kemi would suggest exploring the possibility of becoming a trustee of a charity because that can provide such great insights into charitable activities while also being of huge benefit to a charity. [31:31]
• With this being the final episode of Season 9 of the ‘Where Your Treasure Is…’ podcast, Simon invites listeners to provide feedback and suggestions that will help to shape Season 10, which will commence after a short break. [34:40]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Malcolm introduces himself, explaining how he became a Christian and the steps that led him to become the accountant of a multi-site church serving Aberdeen and Aberdeenshire. [01:48]
• In response to a question from Bex, Malcolm describes some of the dynamics of being the accountant of a church other than the one that he attends himself. [07:01]
• As part of a discussion about tracking donations and the purposes for which they have been given, Bex reminds Malcolm of a time when the response of church members to a special appeal had been so generous that it caused the bank to be in touch to check that nothing untoward was taking place! [11:53]
• Responding to a question from Simon, Malcolm talks about the challenge of balancing his professional responsibility to operate ‘by sight’ with his personal conviction that he has been called to live ‘by faith’. [13:42]
• When asked for a top tip to help with the running of the finance function of a church, Malcolm recommends taking advantage of available technology (especially Excel), streamlining processes and encouraging donors to set up standing orders. [18:48]
• When it comes to training others to manage money well on behalf of a church or charity, Malcolm highlights the importance of developing understanding and an inquiring mind. [21:09]
• Having previously quoted Psalm 50 verse 10 (“for every animal of the forest is mine, and the cattle on a thousand hills”), Malcolm identifies the Parable of the Bags of Gold (Matthew 25.14-30) as another biblical passage that has been influential in shaping his thoughts on money and what our attitude towards it should be. [23:39]
• When asked if he has a story of seeing God’s generosity at work, Malcolm talks about the capacity of the church to initiate social transformation, as illustrated by the cafe that has recently been set up with a clear vision that it will develop its own ‘ministry’ for the benefit of others. [25:27]
• Having been invited to do so by Bex, Malcolm prays for those who are feeling called by God to initiate or take forward a church-related project or idea that requires financial expertise or resources. [27:22]
• Simon talks about the hidden, but vital, role of the church accountant; Malcolm responds by commenting that, in fact, the nature of financial communication these days (eg through Zettle transactions and detailed bank statements) means that he is very aware of what is going on in church life and often feels that he has been given a ‘front row seat’ to observe it. [29:10]
• A second Season 9 bonus episode will follow shortly, also featuring a guest with significant experience of dealing with faith and finance matters in the charity sector. [32:51]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Bex and Simon introduce the topic of vision and provision in church and charity work, noting from the outset that there is a crucial balance that needs to be struck between having faith and being realistic about financial matters. [00:34] Bex gives some biblical examples to illustrate the fact that God provides for his people in many different ways, sometimes through quite unexpected means. [02:45]
• Simon uses his own experience as a church trustee to highlight the key principle of identifying the individual responsibilities that people undertake, observing that this will lead them to weigh faith and finance elements differently from those who fill other roles within a church or charity. [03:31] Simon then develops the point, suggesting that it can be helpful to recognise that complementary contributions can be made by those who are very good at managing money and those who are very good at using money. [05:49]
• In response to a question from Bex, Simon talks about the type of discernment that is needed to deal with circumstances in which there is a gap between the scope and vision for a project and the current level of provision. [07:05]
• By inviting listeners to put themselves into the position of someone appealing for money to support a vision, Simon highlights the importance of engagement from those who are responsible for the finances of a church or charity; otherwise, important opportunities can be missed or watered down. [10:37]
• There is a balance to be struck between holding the resources that God has provided lightly and appreciating what has been entrusted to us so that we are diligent and responsible in the ways that we use those resources. [13:22]
• Simon describes ways in which the issues associated with operating a church or charity budget can be tackled, with a structured approach, oversight, discernment, flexibility and good communication being key factors. [15:35]
• There are also legal requirements that have to be fulfilled, so Simon speaks about ways in which a good working relationship can be built up with the charity regulator. [18:22]
• In order to exercise due diligence, there needs to be a plan for bringing a charity to an end, if need be. Simon explains some steps that can be taken to accommodate that possibility. [20:12]
• Responding to a question from Bex, Simon explains how charities can borrow money, for example by taking out a mortgage. [21:45]
• Simon concludes by praying for those already involved in charitable work and also for those with a vision to be involved in activity of that nature in the future. [23:42]
• Bex invites listeners to get in touch with their questions and also with stories about their own experiences of charity and finance. Up next will be a bonus episode, airing in a few weeks’ time, in which Malcolm Webb, a church accountant, will share his experiences of balancing faith and finance on a daily basis. [24:58]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Bex starts off the discussion by asking Simon whether all charities and churches need ‘staff’ [00:50] and then goes on to enquire about essential personnel, such as trustees, for a charity. (01:51)
• Simon explains that the nature and vision of a charity will determine if, and when, it should start employing staff. [05:01]
• Simon talks about the advantages for some charities of adopting selected elements of a business organisational structure [06:38] and follows up by outlining key principles that should underpin the approach of a charity that has decided to operate along the lines of a not-for-profit business. [08:41]
• When it comes to employing staff, Simon notes that it can be a complex area to navigate – not least because there are legal requirements and regulatory policies that need to be observed – and therefore it can be a moment in time when it can be very helpful to enlist some expert assistance. [10:38]
• When asked about contracts, Simon explains the circumstances under which a temporary contract can be appropriate and also highlights the importance of good communication in relation to contracts in general. [12:43]
• Simon shares some thoughts about approaches that can be taken in connection with the important task of making decisions regarding appropriate levels of remuneration for staff. [14:17]
• Once staff have been employed, there is an onus on a charity or church to put in place appropriate communication, review, appraisal, training and contract processes. [17:18]
• Given the complex and ever-changing nature of employment regulations and tax arrangements, it quickly becomes highly desirable to have access to an accountant, payroll services, HR personnel etc. [19:33]
• When staffing appointments don’t work out for whatever reason, Simon would recommend taking professional advice (eg from an HR expert or solicitor) as it is very important to adhere to legal and other processes in such situations. [20:49] Once again, the significant role of the trustees is highlighted as they are often to the fore when it comes to ensuring that issues are dealt with in the best and most professional manner possible. [23:59]
• The next episode in this season will focus on ways in which faith can be put before finance so that vision is turned into provision! [24:31]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Simon starts off the discussion by mentioning a number of different types of projects – including special events, new initiatives and building projects – that can require a specific financial response from a church or charity. [01:49]
• In response to a question from Bex, Simon suggests that the first priority should be to establish the timescale of the project as that will determine how best to manage and schedule the communication and financial elements of the venture. Simon notes that it is important to keep the timescale under review and to be willing to make adjustments to it under certain circumstances. [05:23]
• Simon identifies the cost of a project as being another important priority when undertaking a special project. He explains that it is important to undertake a ‘scaling’ process to establish the implications for a charity or church of taking on this new commitment, especially if the target amount is equivalent to a high proportion of the expected annual income. [09:33]
• When asked about how best to predict and control project expenditure, Simon highlights the following points: include some contingency costs in the budget; if possible, increase financial commitments gradually; be realistic and pragmatic when communicating to donors and supporters about money matters. [12:05]
• Simon outlines some people-related considerations that need to be taken into account when planning a project. [13:48]
• Simon explains the issues that can arise from donations that fall into the category of ‘restricted giving’ (ie gifts that have been targeted at a specific outcome or purpose). [16:34] Clear communication is the best way for a charity to avoid unwelcome outcomes in this context while for donors, the answer is to state that their gifts can be used for general purposes / in any way that the charity feels is appropriate. [21:03]
• Simon concludes by referring listeners to Season 5 of this podcast for further content on the topic of ‘Giving’ and also encourages those working in charities to be encouraged and to keep making a difference. [22:38]
• The next episode in this season will focus on approaches that charities and churches can take to dealing with staffing and other business factors. [23:46]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Simon starts off by suggesting that when it comes to talking about money, churches and charities should be proactive by initiating conversations, and also by determining their content and direction. [01:41] He adds that money cannot be a ‘secret topic’ for a church or charity for legal reasons and also because transparency and accountability are required in order to demonstrate that donations etc have been managed well and appropriately. [03:13]
• In response to a question from Bex, Simon identifies some key elements of communicating well about money: use a variety of methods to communicate because people assimilate facts in different ways; and create a picture (eg by telling stories) of how the money received has been transformed into positive outcomes for individuals and communities. [05:10] On a year-by-year basis, a ‘compare and contrast’ approach can also work well, especially if this includes some visual elements, such as charts and infographics. [07:10]
• On the topic of when and how often should churches and charities talk about money to their supporters / congregations, Simon suggests that the following approach is sensible and balanced: create (and explain) a ‘rhythm’ of regular (but not excessive) financial updates; stick to that cycle; be consistent in the way that information is presented on each occasion. [08:37]
• Simon notes that it is important to understand the reason behind any communication about money as that will affect the way in which it is conveyed and the outcome that is achieved. [11:14] Focusing on why a particular communication is taking place can also help us to ‘stand aside’, review and adapt it in a manner that helps to ensure that the listener receives the desired message in exactly the way that it was intended. [12:44]
• Simon goes on to suggest three key reasons for a charity or church to communicate regularly with its donors: to provide feedback on the benefits that are being achieved through their donations; to keep them informed so that they can be engaged and proactive in their giving; to inspire them to spread the word about the good outcomes being achieved through the donations received so far. [14:15]
• Simon agrees with Bex that a great deal can be achieved when people give their influence by endorsing or praising a cause. [17:01] He also notes that a well-crafted financial report of the type sent out by some charities once a year can be an effective way of getting a positive money message out to potential supporters. [17:55]
• Bex and Simon then discuss the benefits that can arise when a church or charity shares with its staff and volunteers regular, helpful and transparent updates on money matters and the outcomes being achieved. [18:26]
• Bex and Simon talk about how an Appreciation Dinner initiated by Simon has been a means of inviting others to hear about what can be achieved through giving and to get involved themselves. [20:52]
• In addition, partnerships forged through compassion and respect have the potential to achieve more than solo endeavours and can even lead to charities coming together formally in a helpful manner, in certain contexts. [22:11]
• Simon’s final exhortation is not to shy away from talking about money; even in difficult circumstances, it is important to keep communication channels open, and there can still be good stories to tell. [23:39]
• The next episode in this season will consider how charities and churches can make finances work for specific projects. [24:07]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Simon starts off by explaining that managing budgets and cash flow well are vital factors to prioritise for anyone aiming to run a viable charity. [01:10]
• In response to a question from Bex, Simon notes that a charity must have its own dedicated bank account; in addition, each charity must also be managed and overseen by a board of trustees. [02:16]
• Simon goes on to explain that effective cash flow is a vital element of any charity: to fulfil its purpose, the charity will need to have money going out of its account as well as having money coming in. A sensible approach is to identify a manageable number of charitable objectives and to focus consistently on meeting those aims. [04:29]
• Bex asks Simon how a charity should aim to balance its financial commitments and charitable obligations with unpredictable income, as experienced by many charities. He comments that a sensible, business-inspired attitude can serve charities well in this context, especially in terms of adopting a flexible approach that includes prudent contingency plans for unexpected necessary expenditure. [06:54]
• Bex notes that the task of balancing expenditure to income can create an additional layer of complexity for faith-based charities because of their belief in the possibility of divine provision. Simon reflects on his own experiences as a trustee of endeavouring to achieve an appropriate balance between trusting in God for successful outcomes and managing a charity’s finances in a responsible and legally compliant manner. He suggests, also, that it should always be borne in mind that the money held by a charity exists not as a goal in its own right but in order to serve a defined purpose. [09:19]
• When it comes to the personnel dealing with a charity’s finances, Simon highlights the importance of ensuring – even in ‘a one person charity’ - that individuals in such roles are well equipped and supported to deal with all relevant tasks and responsibilities. [11:45]
• Effective communication and oversight are also very important to good financial management, especially in situations where there are several budget and sub-budget holders. [13:09]
• Major providers of support and training for those involved in managing a charity’s finances include organisational and local networks, as well as the charity, Stewardship. [14:12]
• Simon provides more detail about how a charity can prepare itself for unexpected financial challenges by planning wisely, anticipating specific scenarios and prioritising effective and targeted communication about best practice and contingency plans. [16:23]
• Another benefit of having good systems and communication in place is that they can enable charities to make sensible adjustments to budgets and financial priorities on an ongoing basis rather than having to wait for an annual review to make such changes. [20:02]
• Simon also draws attention to the need to make objective, evidence-based decisions on current performance and priorities rather than falling for the ‘sunk cost fallacy’ by continuing with tasks and projects simply because so much time and effort has been invested in them already. [22:47]
• Simon encourages churches and faith-based charities not just to rely on money to solve problems but to continually bring situations to God and to seek wisdom regarding how best to focus on creating benefits for people and communities. [25:15]
• Simon concludes by commenting that finances are ‘the beating heart’ of most charities, meaning that charities and churches need to make sure that they have at least one person with the appropriate financial skills in their set-up. [26:47]
• The next episode in this season will consider what kinds of conversations about money should take place within charities and churches: how, when and with whom? [27:44]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Bex and Simon start off the discussion by identifying possible sources of revenue for charities and churches, including individual donors, companies, grant-making bodies, other charities and government organisations. [01:34]
• In response to a question from Bex, Simon talks about possible responsibilities and obligations that may arise when making applications for financial support from sources other than individual donors. [03:54]
• When thinking about how best to attract individual donors, Simon suggests that the primary focus should be on building a community of engaged supporters, with the first task being to identify like-minded people who are most likely to be committed to the vision and purpose of your church or charity. [05:15]
• When asked about what it takes for people to give to a cause, Simon suggests that making a personal connection is vital. People tend to respond positively when it is clear that a charity or church is relevant to them and is making a difference to a situation or issue that is important to them. [08:09] A related point that should not be underestimated is the ability to leverage additional support that can be accomplished by supporters who share enthusiastically with others their passion for a charity or church. [08:56]
• When asked what would encourage her to give to a cause, Bex comments that she responds positively to personal connection and relevance, and also to evidence that a genuine difference is being made. [10:26] Factors that tend to inhibit her from giving include a ‘cold approach’ on the doorstep that insists on an immediate response or an appeal for money that disregards other aspects of an individual’s involvement with a charity. [11:48] Simon goes on to speak about the importance of integrity and transparency when making such approaches. [12:36]
• Simon talks about how individuals can give to charities, including the following points: cash donations; regular giving through bank transfers / standing orders; lump sums; and fundraising activities. [14:48]
• Two tax-efficient ways to give to charity are to leave a legacy in your will [17:09] and to take advantage of gift aid. [19:34]
• Simon goes on to explain how matching donation schemes work [20:51], and he also highlights the advantages of planned spontaneous giving in that context. [21:55]
• If a charity is faced with the unwelcome prospect of running out of money, the following two approaches can be helpful: try to maximise current income sources; ensure that you abide by charity legislation and that you have set up a contingency plan for this kind of circumstance. [22:39]
• The next episode in this season will focus on budgeting and cash flow issues that can arise when managing the finances of a church or charity. [25:02]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• First of all, Simon explains that there are various legal and regulatory requirements that need to be fulfilled when setting up a charity. These include compliance with HMRC guidelines, providing annual accounts and following legal advice when communicating about the charity and initiating its activities. [02:05]
• Secondly, Simon emphasises the need to ensure, through internal communication, that the charity meets the requirements of being a ‘going concern’. This process includes various key activities, including the following tasks: setting budgets; identifying goals, objectives and priorities; monitoring and managing cash flow; responding in a timely and effective manner to changes in circumstances. [04:09]
• Simon notes that mistakes and difficulties can arise within charities and churches simply because those involved are so often volunteers or enthusiasts who do not have the business skills and experience that would be helpful when dealing with some of the challenges that can arise. It can be important, therefore, to ensure that people are allocated to appropriate roles, good internal communication is facilitated (eg regarding budgets), and external help is sought when required. [11:06]
• Thirdly, communication with external parties - such as supporters, volunteers and donors - should always be a top priority for charities, not least because they are so reliant on the support of the individuals in these groups if they, and their activities, are going to flourish. Examples that Simon provides to illustrate this point include a presentation made to a bank when requesting a mortgage and explaining to a congregation what a difference it can make to church finances if giving is done through standing order rather than on an ad hoc basis. [13:54]
• Bex notes the impact that it can make when a charity identifies and celebrates life-changing outcomes that have been made possible by supporters’ donations. [16:41] This prompts Simon to mention the concept of ‘anchoring bias’ and that it can be important for a charity or church to gauge the ‘culture’, circumstances and expectations of its audience when putting out communications. [17:52]
• In response to a question from Bex, Simon shares some thoughts on how a charity or church might need to adopt different approaches and styles when endeavouring to make requests for donations in a way that will take account of the whole spectrum of financial ability to give within an audience. [19:59]
• Simon rounds off his comments by encouraging those involved in church or charity finances to seek out the help and resources that are out there and to concentrate on building up a vibrant community of loyal and committed supporters. [23:11]
• The next episode in this season will consider the various ways in which churches and charities can acquire the money that they require to fund their activities. [25:10]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Simon and Bex introduce themselves [00:48] and explain that the focus in this season will be less on personal money matters and more on dealing with faith and finance issues from a church or charity perspective. [02:39]
• Simon starts off the discussion by asking Bex why it is necessary to talk about money topics relating to churches and charities in a different way from how we talk about financial matters that affect individuals or businesses. [04:37]
• In response to a question from Simon, Bex describes her expectations of a charity or church and, in particular, comments that she would anticipate that they will use her money ‘to do something good in the world’. [06:39]
• When asked by Simon why churches or charities should ensure that they talk about money, Bex speaks about the importance of using good communication to build trust and goodwill in pursuit of a shared interest. As Simon puts it, we give money to churches and charities to do a job for us that we can’t do ourselves, and it is therefore important for us to receive feedback on the progress that is being made to achieve our shared goals. [07:48]
• A key recommendation from Simon to churches and charities is to communicate with their supporters how the money that has been received has led directly to hoped-for, good outcomes being accomplished. [09:19]
• Bex comments that talking regularly and openly about money can help churches and charities to demonstrate that their ‘whole image’ does ‘add up’ and that they are consistently acting with complete integrity, as desired and required by their supporters. [10:07]
• Because of the tremendous contribution that charities make to society, they are given ‘registered’ status and certain tax advantages by the Government, but these also come with various legal responsibilities and a requirement to be accountable and to report fully and accurately (to HMRC and also to The Charity Commission or Scottish Charity Regulator) on their activities. [10:59]
• Bex and Simon discuss the roles and responsibilities of the trustees of a charity [14:25], including the very important contribution that they, along with the staff of a charity or church, make by communicating with professional / legal bodies, with those working or volunteering for the charity, and also with supporters of the charity. [15:58]
• In a discussion of key principles for communicating to supporters on behalf of a charity, emphasis is placed on the importance of explaining clearly and in detail how donations have been turned into positive outcomes, such as volunteer activities. [21:28] Being open and proactive is also recommended: for example, by proffering answers to key questions rather than waiting for those questions to be asked. [22:41] It is also noted that telling a variety of relevant and uplifting stories is a great way of illustrating how a charity has been able to make a real difference to people’s lives and experiences. [23:32]
• Simon invites questions and feedback from listeners. [25:32]
• Episode 2 of this season will consider ‘Key Principles and First Steps’ for charities and churches that are at an early stage in their development. [26:14]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Jim introduces himself and talks about P3 Business Care (a community interest company and social enterprise) [01:17], before going on to explain how he became a Christian. [03:25]
• Jim’s first top tip is to have integrity in all transactions, ‘doing the right thing even when no one’s watching’. Proverbs 10.9 adds weight to this point: ‘Whoever walks in integrity walks securely, but whoever takes crooked paths will be found out.’ [05:20]
• Top tip number two is to approach every aspect of business through the lens of being ‘a good steward’ of the finance and resources with which God has entrusted us. [07:04]
• Thirdly, Jim highlights the importance of seeking wisdom from God (James 1.5), ethical decision-making and standing firm on our convictions. [08:46]
• Next, Jim talks about generosity and giving as ‘a heart issue’, as illustrated by 2 Corinthians 9.7: ‘Each of you should give what you have decided in your heart to give, not reluctantly or under compulsion, for God loves a cheerful giver.’ He goes on to suggest a number of ways in which businesses can be generous in both financial and practical ways. Bex draws attention to the additional content on ‘Giving’ that was covered in Season 5 of this podcast. [10:28]
• Jim emphasises the importance of valuing employees, treating them fairly and upholding dignity in the workplace. [11:44]
• Jim suggests that financial literacy and education should be prioritised in order to equip employees to carry out business tasks and to help them deal with challenges and issues that could otherwise have a detrimental effect upon their wellbeing. [14:31]
• From personal experience, Jim describes some of the benefits – including accountability, collaboration and mutual encouragement - of developing faith-based, business-related communities and networks. [16:51]
• Another key point from Jim, and one that epitomises how P3 Business Care operates, is faith integration: weaving our beliefs into business practices. As well as enabling Christians to be fully themselves in the workplace, this approach can create nurturing and inspiring environments. When, for example, leaders model faith-driven decision-making, prioritising people over profits, this can set the agenda in a stimulating and very positive manner. [18:46]
• Jim’s penultimate tip is to avoid debt, not least because a business taking on debt can become obligated to those from whom they borrow, as suggested by Proverbs 22.7: ‘The rich rule over the poor, and the borrower is slave to the lender.’ Jim and Bex go on to mention Christians Against Poverty, which is a debt charity that can provide great support for anyone grappling with debt issues. [21:58]
• Jim’s final top tip, and the hundredth of this season, is to seek God’s guidance in decision-making through prayer and discernment. He explains some of the practical ways in which P3 Business Care seeks to put into practice the verses from Proverbs 3 that led to ‘P3’ being used in its name: ‘Trust in the Lord with all your heart and lean not on your own understanding; in all your ways submit to him, and he will make your paths straight.’ [24:56]
• The next season of the podcast, airing in 2025, will look at financial matters associated with churches and charities; anyone involved in those areas is encouraged to send in requests for topics to be discussed. [28:43]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Dave introduces himself [01:24], explaining how he became a Christian [01:57] and the steps that led him to become Youth Pastor of Catalyst Vineyard Church, Aberdeen. [03:26]
• Dave’s first top tip is to be a good steward. [06:12]
• Top tip number two is to live simply and to be generous with any surplus. [07:56]
• Thirdly, Dave highlights the importance of regarding money as a tool. Of itself, it is neither good nor bad; rather, it is ‘the love of money’ (1 Timothy 6. 10) that creates issues. [10:17]
• Next, Dave uses the example of King David (2 Samuel 24) to illustrate the importance of giving ‘until you feel it’ in response to God’s love and out of a desire to bless others. [12:31]
• Another key point for teenagers to take on board is to realise that the way that they use their money can have significant and far-reaching consequences. [15:26]
• Dave draws attention to the ways in which teenagers are influenced these days and suggests that they are more interested than we might think in receiving input from wise, genuine, trusted adults whom they know. [18:18]
• Arising from his own experience, Dave’s next tip is to learn budgeting, with the Christians Against Poverty Money Course being recommended as one good source of information and instruction on this topic. [21:57]
• Dave also feels that teenagers can benefit hugely from learning the value of saving and also of delaying gratification. [23:06]
• Dave’s penultimate tip is to be open and accountable about money matters, with ‘loud budgeting’ receiving a mention as a relatively new trend that could be helpful in this regard. [25:26]
• Dave’s final top tip is to have conversations about money little and often rather than relying on lengthy, one-off discussions. [27:28]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Simon’s first top tip is to know what we think about money and to have a good grasp of key values that will determine how we deal with financial matters in the workplace. [01:48]
• Top tip number two is to know why we are working, beyond simply to acquire money to pay the bills. Simon recommends ‘God at Work’ by Ken Costa as a book that can be helpful and thought-provoking on this theme. [04:16]
• Thirdly, Simon highlights the desirability of understanding the financial world and its challenges, issues and complexities. [07:52]
• Next, Simon talks about the importance of bringing our work before God on a regular basis. [10:08]
• Another key point is to talk openly with others about our work and, in particular, to endeavour to find peers operating in a similar line of work with whom we can share insights and queries. [12:08]
• Top tip number six is to embed generosity and giving into our beliefs and actions around work and the workplace. [14:37]
• In addition, the ability to develop and apply our values across a whole range of workplace situations can really help us to respond consistently in a godly and appropriate manner to new challenges and predicaments. [17:12]
• There can also be great advantages in building up a network of contacts with relevant skills and knowledge who can help us to anticipate issues, as well as being available to provide support, wisdom and encouragement in a bespoke and meaningful manner when necessary. [19:42]
• Simon’s penultimate tip is to encourage us to be bold and courageous in the workplace, to respond to prompts from our conscience and to stand up for what we believe to be right. [21:47]
• Simon’s final top tip is to reread Proverbs regularly because it has so much to say about money that can bring wisdom, thought-provoking insight and a godly perspective. [24:25]
• In the penultimate episode in this season, a guest contributor in the form of Dave Hall, youth pastor, will be giving his top ten tips for young people wanting to manage their money well. [25:52]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Simon’s first top tip when planning for retirement is to start early. [01:14]
• Top tip number two is to try to keep abreast of the current, basic rules affecting pensions. Various websites such as Gov.UK, Money Saving Expert and those belonging to debt charities, such as Christians Against Poverty, can be very helpful in this regard. [03:17]
• Thirdly, Simon stresses the importance of maximising one’s State Pension eg by buying additional years, if need be. The Money Saving Expert website has some particularly helpful articles on this topic. [06:10]
• A tip for those who are one or two years off retirement is to maximise their pension contributions during that period. [08:57]
• Because of the number of different pension schemes available these days, the next tip is to ensure that you understand fully the nature of your pension arrangements and, in particular, the best way of taking money out of your pension(s). [10:09]
• Simon explains why it is important to create a retirement budget and to take account of how the cost of living might change over time. [11:49]
• The next priority identified by Simon is to collate information about your possible sources of income during retirement so that your plans can be as realistic as possible. [15:32]
• Simon suggests that, depending on circumstances, a useful tip for some people could be to consider consulting a financial planner. [17:10]
• Simon’s penultimate tip is to start applying for pensions early; don’t wait until just before you retire as it’s not an instant process. [20:15]
• Simon’s final top tip is to consider phased retirement, if that is an option for you. [21:51]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Simon’s first top tip for dealing with debt if it has become an issue for us is to admit that we are ‘in debt’. [01:21]
• Top tip number two is to quantify and define our debt, including acknowledging the situation if the debt is best described as being ‘unmanageable’. [04:37]
• Thirdly, Simon stresses the importance of asking for help and support, especially if the debt is ‘unmanageable’, in which case professional assistance is available from the likes of Christians Against Poverty. [06:37]
• Next, Simon highlights the need to make a list of all our debts and their details because an effective action plan cannot be drawn up without that information. [08:50]
• When implementing an action plan, we should aim to create a balance between achieving our repayment goals as quickly as possible and building in budgetary resilience that will keep us on track even when unexpected expenditure occurs. [10:03]
• Simon outlines a couple of ‘snowballing’ options that can be used as the core element of a plan to pay down the debts we owe. [12:24]
• Tackling debt issues can be challenging and emotionally draining, so Simon encourages us to celebrate our debt-related ‘victories’ – which can come in a variety of different forms - in an appropriate and meaningful manner. [15:32]
• Simon explains how we can consolidate and rationalise our debts without having to pay a third party to do this for us. [18:08]
• Simon’s penultimate tip is to avoid short-term thinking; taking the long view is a real key to success when it comes to debt management. [20:13]
• Simon’s final top tip is to allow our attitude to money to be shaped by the biblical principle of avoiding the love of money and, instead, use money as a way of expressing love to others. [22:05]
• The next episode in this season will comprise ten top tips about preparing for retirement. [24:32]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Simon’s first top tip on this subject is to consider the investing options for our financial circumstances only once we have put in place the foundational budgetary practices that best suit our needs. [01:36]
• Top tip number two is to be clear about our objectives (‘give every pound a purpose’) and to understand the timescale for each objective. [03:52]
• Thirdly, Simon explains the importance of understanding the nature of risk and of being able to evaluate the level of risk associated with the options available to us at any one time. [05:46]
• Next, Simon suggests that minimising investment-related costs is a sensible approach to take and, if done thoughtfully, can be achieved without compromising the benefits that we are aiming to receive from investing. [07:26]
• On a related note, Simon highlights the advantages of maximising the various tax efficiency options that are legitimately available to us. [09:50]
• When it comes to the practicalities of how and when to invest, Simon suggests that keeping things simple by automating our investing (and creating a ‘pound cost averaging’ approach through that process) can be helpful and cost-effective. [12:25]
• Simon would also encourage us to review our investments from time to time (eg annually) but would urge us not to check on them frequently because they are long-term processes that can involve significant, but irrelevant, fluctuations in the short-term. [13:36]
• In addition, Simon would advise against trying to ‘time the market’. [15:26]
• Simon’s penultimate tip is to take an evidence-based approach so that we avoid being drawn into ‘speculating’ rather than ‘investing’. [18:27]
• Simon’s final top tip is to recognise the significance of investment decisions by researching the options thoroughly and by taking appropriate advice (which can generally be available without incurring cost). [20:29]
• The next episode in this season will focus on top tips for dealing with debt. [23:02]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Simon’s first top tip for giving and being generous is to give first and then budget with what is left. [01:17]
• Top tip number two is to decide how much to give before we decide to whom we wish to give. [04:34]
• Thirdly, Simon explains the principle of giving regularly but also on an ad hoc basis. [06:13]
• Next, Simon talks about the benefits of being deliberate in the act of giving even when it happens through an automated process. [07:01]
• Simon highlights the importance of using the likes of Gift Aid and automated money transfer options (such as standing orders and direct debits) to help us to be as efficient as possible in our giving. [09:37]
• Another important element to prioritise is to review our giving on a regular basis. [11:29]
• Simon explains why he would suggest that we commit ourselves to giving to a cause for a specific period of time and communicate that arrangement clearly to those to whom we are giving. [13:13]
• Simon encourages us to include others in our giving endeavours so that they can learn from that involvement and can be inspired to go on to experience for themselves the joy and benefits of being generous. [15:26]
• Simon’s penultimate tip is to be inquisitive about the charities to which we are giving and to develop a meaningful connection with them. [18:06]
• Simon’s final top tip is to recognise that giving isn’t just about money; there are many ways in which we can make significant contributions to the charities that we wish to support. [19:49]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Simon’s first top tip for practical budgeting is to itemise carefully all of our income so that we know how much money will be coming in monthly and over the course of a year. [01:43]
• Because of the great importance of giving and being generous (as discussed in Season 5), Simon suggests that top tip number two should be to decide how much we are going to give. [04:02]
• Thirdly, Simon highlights the importance of prioritising budgetary items through a process of identifying essential payments and then discretionary items, with the latter category being ranked according to their importance to us. [05:33]
• Top tip number four is ‘Write it down!”. [07:33]
• Next, Simon suggests that we should ensure that we review our financial commitments regularly. [09:32]
• Simon explains the ‘three bank account system’, which can help us manage our money according to the type of expenditure involved; ‘pots’ that are available through banking apps can be used to achieve the same outcome. [11:06]
• Simon explains how we can put in place an arrangement for coping with less frequent, but potentially very significant, expenses [14:22]
• Another key principle is to focus on reducing and then eliminating any debts that we may have. [17:16]
• Simon’s penultimate point is that we should try to balance our budget on an ongoing basis so that we are living within our means. [20:39]
• Simon’s final top tip on practical budgeting is to develop the habit of saving to buy rather than borrowing to buy. [22:21]
• The focus of the next episode in this season will be on generosity when Simon and Bex will discuss ten top tips relating to giving well and effectively. [24:28]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Simon explains that this episode is designed to be a practical guide to developing a healthy relationship with money. [01:10]
• Simon’s first top tip is budgeting because of the immediate, practical benefits of putting in place a deliberate and organised way of managing money. [01:29]
• Top tip number two is to recognise that our relationship with money can have a strong emotional aspect, which needs to be understood and managed. [03:46]
• Thirdly, Simon stresses the importance of establishing healthy and wholesome priorities, as captured by the saying, ‘Use money and love people; don’t use people and love money’. [05:38]
• Next, Simon suggests that it is worthwhile to be aware of, and to reflect on, the idea of ‘the marginal return of money’. This theory acknowledges that money can be very important and desirable for people with little or no money but suggests that once someone has ‘enough money’, ‘more is not always better’. Bex draws attention to a BBC Radio 4 ‘Money Box’ episode on this theme, which may be of interest to listeners. [06:21]
• Simon encourages listeners to avoid accumulating more and more possessions; instead, a thoughtful and well considered approach of buying ‘experiences’ can prove to be beneficial, especially when used to deepen and enhance relationships with others. [08:46]
• Another principle that can have emotional as well as practical benefits is, ‘Pay now; consume later’. [10:48]
• Simon also highlights the importance of ‘valuing things that money can’t buy’ and of freeing up time to spend on the activities and people that are most important to us. [14:31]
• ’Making it a treat’ is another approach that can help us to use our money in an effective and fulfilling manner. [17:17]
• Simon’s penultimate point is the vital one of making sure that we talk about money with others normally, naturally and regularly. [19:05]
• Simon’s final tip for developing a healthy relationship with money is to make a habit of saving regularly, even if that involves only small amounts at a time. [21:33]
• The next episode in this season will focus on top tips for practical budgeting. [23:40]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Simon and Bex start off the episode by explaining that this new season will comprise ten ‘Top Ten’ lists on a faith and finance theme, starting off with Simon’s favourite ten biblical passages about money and possessions. [00:52]
• Simon’s first choice is a verse which underpins many of the comments that he has made about stewardship in this podcast - Psalm 24.1: ‘The Earth is the Lord’s, and everything in it’. [03:17]
• Being disciplined in giving is a theme covered in Simon’s second selection, 1 Corinthians 16.1-2: ‘Now about the collection for the Lord’s people: Do what I told the Galatian churches to do. On the first day of every week, each one of you should set aside a sum of money in keeping with your income, saving it up, so that when I come no collections will have to be made.’ [05:10]
• Simon’s third verse (Mark 12.43) makes a significant contribution to the topic of how much we should give: ‘Truly I tell you, this poor widow has put more into the treasury than all the others.’ [07:13]
• Simon uses the well-known expression, ‘God loves a cheerful giver’ (from 2 Corinthians 9.7) to introduce some comments about the importance of our attitude when we give. [09:11]
• Simon then comments on Acts 4.32-37, especially verses 34-35: ‘For from time to time those who owned land or houses sold them, brought the money from the sales and put it at the apostles’ feet, and it was distributed to anyone who had need.’ [11:40]
• Simon draws attention to how love can be expressed through the use of money, as illustrated through the ‘Parable of the Good Samaritan’ and Luke 10.35, in particular: ‘The next day he took out two denarii and gave them to the innkeeper. “Look after him,” he said, “and when I return, I will reimburse you for any extra expense you may have.”.’ [14:14]
• Simon’s next choice, Matthew 6.19-21, is a passage that is well known to the listeners of this podcast: ‘Do not store up for yourselves treasures on earth, where moths and vermin destroy, and where thieves break in and steal. But store up for yourselves treasures in heaven, where moths and vermin do not destroy, and where thieves do not break in and steal. For where your treasure is, there your heart will be also.’ [16:20]
• Warnings are also included in the Bible verses selected, with Ezekiel 28.5 sounding a note of caution: ‘By your great skill in trading you have increased your wealth, and because of your wealth your heart has grown proud.’ Simon then takes the opportunity to sneak in an additional warning verse in the form of 1 Timothy 6.10: ‘For the love of money is a root of all kinds of evil.’ [19:02]
• The Parable of the Shrewd Manager also provides a warning, with Luke 16.10 making it clear that there will be consequences if we mismanage the resources that have been entrusted to our care: ‘Whoever can be trusted with very little can also be trusted with much, and whoever is dishonest with very little will also be dishonest with much.’ [20:57]
• Simon’s final verse in his top ten list comes from the Parable of the Talents, with Matthew 25.23 putting forward an end of life accolade that is worthy of our aspiration: ‘Well done, good and faithful servant!’ [22:13]
• The focus of our next episode will be on ten ways to achieve a healthy relationship with money. [23:21]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points covered in this episode include the following:

• The first question from a listener about individual faith and finance choices is from Charlie, who asks about giving principles: how much should we give, and to whom or what should we give? [02:24]
• The next question is from Morven, who is interested in hearing thoughts about principles that can help us to decide how much it is appropriate to spend on ourselves. [09:14]
• Simon then provides responses to three questions from Bex that are particularly relevant to the later stages of life: (i) Should Christians take out life / health insurance? [13:40]; (ii) What should the Christian attitude to inheritance be? [16:28]; (iii) What are three top faith and finance tips that Christian parents can pass on to their children? [20:38]
• A couple of questions about how we should react to financial stress are then posed by Ruth, through Bex. [23:33]
• Next up, Simon comments in response to three questions about best practice when managing church finances that were sent in by Guy. [27:19]
• The final question provided by listeners was submitted by Alison, who asks: ‘How do we step out in faith responsibly?’ [32:15]
• Simon rounds off the episode by encouraging listeners to get in touch with requests for topics to be discussed on the podcast, especially as future plans have not yet been finalised. [33:54]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points covered in this episode include the following:

• Bex explains that the Season 7 bonus episodes will feature faith and finance FAQs. The first episode focuses on using our money in an ethical and responsible manner that benefits society and the second one explores issues to do with our personal finances and the choices that we make in that context. [00:30]
• The first question from listeners that Bex poses to Simon is from Don: ‘How much should we be digging to find out what our money is funding down the chain whilst it sits in bank/savings/investment accounts, and what options are available to us for more 'ethical' investing?’ [02:33]
• Reflecting on ways of influencing situations [07:23], Bex notes that campaigns and protests can become quite complex in their impact and invites Simon to share his thoughts on that area. [08:36]
• Simon explains and explores the issues that arise when trying to achieve a good balance between benefiting from investments and creating benefits by investing. [10:46] For those wishing to take an ethical approach to investing, Simon describes a range of options that runs from ESG (Environmental, Social and Governance) investing through Ethical and Impact investing to Philanthropy. [11:54] He then goes to speak about some steps that are being taken to reduce the ability of companies to ‘greenwash’ their products in order to make them appear more ethical and responsible than they actually are. [15:36]
• In response to a question from Bex, Simon outlines some suggestions that can help us to identify and implement ways of using our money to support causes that we are passionate about. [18:39]
• Bex then asks Simon for some top tips for anyone interested in setting up a Christian charity or social enterprise. [21:51]
• Simon proffers some comments about whether or not there should be any expectation that church members should provide services to churches at preferential rates. [26:44]
• Simon provides three top tips for ways in which Christians can make a difference in a financial context. [30:26]
• The second bonus episode of this season will focus on FAQs relating to the faith and finance choices that we make as individuals. [31:47]
• In closing, Simon recommends the information and resources provided by the charity, ‘Stewardship’, as being relevant and helpful in connection with the content of this episode. [32:22]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Bex introduces the topic of Scams [00:33] before asking Simon whether he thinks that the number and type of scams are increasing. [03:07]
• In response to a question from Bex, Simon identifies three main warning signs / red flags to watch out for: an offer that is too good to be true [04:06]; when help is requested for a crisis situation that is too bad to be true [05:43]; tell-tale language, formatting and tone clues [09:02]. She also asks Simon about common scams and current trends. [11:42]
• Simon gives some tips for dealing with potential scams [13:55] and then goes on to give advice about what to do if you become the victim of a scam. [15:25]
• Simon provides listeners with four top tips to help them to avoid being scammed. [21:08]
• Simon explains that a couple of bonus episodes on the theme of faith and finance FAQs will be forthcoming shortly and invites listeners to send in their questions. [23:31]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Bex starts off by asking Simon what tax is and how it works. [01:32]
• In response to further questions from Bex, Simon explains the nature and practicalities of each of the following: National Insurance [06:06]; Income Tax [11:11]; VAT [12:53]; Capital Gains Tax [16:07]; Inheritance Tax [19:17].
• Simon explains what is meant by ‘tax efficiency’, ‘tax avoidance’ and ‘tax evasion’ [21:39] and goes on to outline three HMRC and Government approved tax avoidance mechanisms that exist in the UK: pensions [22:22], ISAs [22:56] and Charitable Giving [23:18].
• Bex asks Simon to explain the circumstances in which someone in normal employment should complete a tax self-assessment. [24:27]
• Simon provides three top tips arising from this week’s discussion. [26:53]
• The final episode of this season will focus on the subject of Scams. [29:29]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Bex starts off by asking Simon about the nature of financial planning, whether anyone can do it, [01:43] and how best to go about it. [02:59]
• Bex goes on to ask Simon to explain how financial planning can help us to identify when we can retire [08:36] and whether or not there are any general guidelines regarding how much we should aim to save towards a pension. [12:02]
• Simon outlines the different kinds of pension that are available and how they operate. [14:46]
• Bex draws attention to some previous podcast episodes on the themes of pensions and planning for retirement (Season 2 Episode 6, Season 2 Episode 7 and Season 3 Episode 2) which may be of interest to listeners. [19:18]
• Simon suggests that there are two main circumstances in which it can be particularly helpful to seek assistance with financial management and planning. [19:45]
• In response to a request from Bex for recommendations of helpful resources that are freely available, Simon draws attention to the ScamSmart, Money Helper and Money & Pension Service websites. He also notes that you can check your state pension online. [22:37]
• Simon provides three top tips arising from this week’s discussion. [25:51]
• The focus of next week’s episode will be on Taxes. [28:34]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Bex starts off by asking Simon for his thoughts on how we know whether or not it is appropriate and prudent for us to decide to buy a house. [02:02]
• Bex goes on to ask Simon to explain the nature and purpose of a mortgage. [03:26]
• Bex then follows up with questions about what kind of deposit is required for a mortgage [08:21] and the kind of checks that lenders undertake in order to establish the ability of a borrower to pay off the mortgage being requested. [10:16]
• Further questions asked by Bex are as follows: Are mortgages fixed or variable? [13:53] Are mortgages secured or unsecured? [16:18] Can mortgages be paid off early? [17:29] What additional costs need to be included in a budget when planning to buy a property? [22:36]
• Simon provides three top tips arising from this week’s discussion. [25:01]
• The focus of next week’s episode will be on Financial Planning. [28:57]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Bex starts off by asking Simon to explain what investing is [01:13] before going on to enquire about how Christians should approach that topic. [04:05]
• Bex then asks Simon a series of questions to which people have been frequently looking for answers on the Internet: What is an ISA [06:30], and also a LISA? [07:42] What are bonds? [09:29] What is an ETF? [11:40] What are ‘short term’, ‘medium term’ and ‘long term’ periods of time, in a financial context? [15:05] What is a hedge fund? [19:52] What are dividends? [21:20] What is cryptocurrency? [23:42]
• Bex asks Simon to respond to a question which she has identified as being one for which people ‘really want to know’ the answer: ‘What shares should I buy and how?’ [25:45]
• Simon explains what ‘advice’ means in a formal, financial context. [31:47]
• Simon provides three top tips arising from this week’s discussion. [33:28]
• The focus of next week’s episode will be on answering questions associated with buying a house. [34:27]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Bex starts off by asking Simon to explain what debt is [01:39] before going on to enquire about the possible impact of taking out a loan. [03:03]
• In response to a further question from Bex, Simon provides information about both ‘secured’ and ‘unsecured’ loans. [04:59]
• Simon discusses the evolving relationship between lenders and those who provide loans for them [11:41] and points out that some arrangements are riskier than others. [14:12]
• Bex talks about her own experience, as a small business owner, of dealing with clients who became indebted to her. [16:37]
• Simon provides some comments aimed at assisting individuals who are in danger of falling into significant debt [17:39], including an explanation of consolidation loans. [19:42]
• Bex highlights the emotional impact that can accompany being in debt [21:57], and Simon draws attention to the helpful advice and observations provided by Ben Clift of Christians Against Poverty in Bonus Episode 2 of Season 2. [22:32]
• Simon provides three top tips arising from this week’s discussion, including – for anyone who is grappling with significant debt – making mention of the support that is available through charities such as Citizens Advice and Christians Against Poverty. [24:41]
• The emphasis will change in the next episode of this season, when the focus will be on Investment, as a principle and in practice. [28:54]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Simon starts off by explaining what a credit score is [02:04] before going on to deal with related questions about the need for credit and credit scores, and how a credit score can be improved. [04:57]
• In response to a question from Bex, Simon describes the difference that a credit score can make to the terms of a loan. [11:57]
• Simon then goes on to outline how credit cards work [15:22] and the advantages and disadvantages that can be associated with using them. [17:11]
• Bex asks Simon to explain APR (Annual Percentage Rate) as it is mentioned frequently when credit card arrangements are being described. [23:41] His response prompts Bex to comment on the significant, negative impact of compound interest in this context. [25:42]
• Simon provides various pointers and suggestions for anyone wishing to take out a credit card. [26:40]
• Simon provides three top tips arising from this week’s discussion [29:24], including some comments about dealing with credit card debt in which he mentions a previous episode which may be of interest. [30:47]
• The focus of next week’s episode will be on debt and borrowing. [31:48]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Bex and Simon introduce this new season of the podcast by explaining that it is based on which questions about finance are asked most frequently on Google. [00:35]
• Bex asks Simon to start things off by providing some introductory comments about inflation and cost of living. [03:02]
• Bex delves deeper into the potential causes of inflation, asking why prices in the supermarket have gone up when people have had less money to spend. [08:19]
• Bex’s next query is to ask how the Bank of England’s interest rates tie in with inflation [12:09], which prompts Simon to explain how ‘a basket of goods’ is used to calculate the annual level of inflation [14:08] and how the Bank endeavours to use interest rates to keep inflation at desirable levels. [17:17]
• Simon draws attention to the difference between ‘deflation’ and ‘decreasing inflation’ [20:59] and goes on to explain why it is regarded as being beneficial for an economy to have a modest level of inflation on an ongoing basis. [21:45]
• Bex asks Simon to explain and comment on the term, ‘recession’, which has been used widely recently in connection with the cost of living crisis. [24:26]
• Simon provides three top tips arising from this week’s discussion. [27:37]
• Points mentioned in response to a question about the options available to people who are feeling overwhelmed by the cost of living include seeking professional help from charities that provide debt support, such as CAP (Christians Against Poverty) and Citizens Advice. It was also noted that this podcast’s Season 2 Bonus Episode on ‘Providing Support during the Cost of Living Crisis’ might be of interest. [30:35]
• The focus of next week’s episode will be on credit scores and credit cards. [34:09]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points covered in this episode include the following:

• Chuck introduces himself, explaining how he became a Christian and the steps that led him and his wife, Taryn, to become lead pastors of a multi-site church serving the North-East of Scotland. [01:51]
• In response to questions from Simon and Bex, Chuck reflects on his experience of endeavouring to ensure that the decisions that he makes – on a personal level and also on behalf of the church – are always in harmony with God’s will. [05:10]
• Simon asks Chuck to speak about how finance fits into his job description. [10:52]
• In light of the finance-related pressures that can be experienced by church leaders, Bex asks what members of a congregation can do to be supportive. [16:24]
• Chuck describes the kind of faith and finance journey that can happen as people become involved in a church. [18:54]
• Simon asks Chuck how he deals with the challenge of talking about money matters in a context in which individual financial circumstances can vary very significantly from person to person. [24:04]
• Chuck talks about how much he values the journey that he, Taryn and their children have experienced in connection with generosity and God’s provision. [26:10]
• At Simon’s request, Chuck provides a couple of summaries of how he tends to convey key biblical principles about money, wealth and possessions to a congregation. [28:35]
• Bex then invites Chuck to outline what it looks like when the principles being described are applied to the working environment of the church. [31:18]
• Prompted by Simon, Chuck goes on to comment on the challenges that can arise when trying to be financially prudent and realistic while at the same time making room for faith to play a significant role in decision-making. [33:41]
• Chuck concludes his comments by explaining why he thinks that the local church is worthy of strong consideration when Christians are thinking about their giving and the causes that they would like to support. [35:13]
• Simon rounds off the episode by talking about the benefits that can arise when faith and finance combine; he also invites listeners to get in touch with their comments, questions and suggestions. [36:49]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points covered in this episode include the following:

*Mark introduces himself, explaining how he became a Christian and the steps that led him to follow a university career as an Accounting Academic. [01:30]

*In response to a query from Bex about his approach towards financial issues, Mark highlights the importance of asking good questions and being open to information and opinions from a wide range of sources and perspectives. [05:11]

Simon follows up by asking Mark whether we tend to be too ‘culturally narrow’ in our interpretation of faith and finance matters, which in turn leads to Bex recommending ‘Misreading Scripture with Western Eyes: Removing Cultural Blinders to Better Understand the Bible’ (by E Randolph Richards & Brandon J O'Brien) for anyone interested in delving further into that area. [09:40]

*Mark explains what he means by ‘financialization’ as a term to describe the way that money can be used as a universal form of measurement within society. [12:30]

*Simon comments that King David’s reliance on the size of his army, as recorded in 1 Chronicles 21.1-2, provides an interesting comparison with the way in which we can rely on money rather than on God and our relationship with Him. [15:44]

*Mark provides a couple of examples to illustrate how his own attitude to money as a measurement of success has changed over time. [16:55]

*Simon asks Mark to identify key questions [20:12] and principles [22:44] that he feels are significant regarding how we deal with money.

*With reference to the Parable of the Rich Fool (Luke 12.16-21), Mark engineers a question of his own, asking Simon about how, in his professional role, he helps clients to strike a healthy balance in their relationship with money. [24:55]

*Mark mentions the temptations that were dangled before Jesus by the Devil (Luke 4.1-13) and then goes on to reflect on the importance of maintaining integrity on the journey that we each make in connection with our own finances. [31:16]

*Prompted by Bex, Simon explains that Season 7 of the ‘Where Your Treasure is…’ podcast will take as its starting point the challenge of trying to provide helpful, faith-related responses to some of the most Frequently Asked Questions about financial matters on the Internet. [32:38]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Bex starts off by noting the prominence given to Moses in the Letter to the Hebrews (Hebrews 11.24-28) as a result of his decision to place his faith in God rather than relying on the wealth and status to which he was entitled. [01:31]
• The focus then turns to the Book of James, starting off with his call to put belief into action and to ‘walk the walk’ as well as ‘talking the talk’, as illustrated by his words in chapter 2 verses 14-17. [05:48]
• James expands on the nature of ‘religion’ that is ‘pure and faultless (James 1.27) by stressing the importance of acting out of humility and without any selfish motivation (James 3.13-16). [09:34]
• James’s warning and strong words for ‘the rich’ (James 5.1-6) prompt Bex and Simon to reflect on the implications for us and for modern society as far as issues such as fair pay, fair trade and ethical shopping are concerned. [12:23]
• The final point that Simon highlights from the Book of James is the emphasis placed on adopting a God-focused attitude - ‘if it is the Lord’s will’ – as a crucial element of our decision-making processes (James 4.13-17). [16:28]
• Prompted by the words of 1 Peter 2.18-20, Bex asks Simon for his thoughts on how we should respond when we encounter unfairness in our lives. [18:17]
• In response to the warning about idols found in Revelation 9.20, Bex and Simon discuss the modern-day preoccupations that can replace God’s rightful place in our lives. [21:55]
• Simon draws attention to the fact that our attitude to money has been a key theme throughout this podcast season and that it is no surprise, therefore, that the final book of the Bible includes statements designed to turn around our perception of riches and wealth (Revelation 2.9 and 3.17). [24:30]
• The recurring theme of stewardship is also revisited and reinforced in a passage about the judgment of the dead (Revelation 20.11-12). [25:21]
• Season 7 of the ‘Where Your Treasure Is…’ podcast is likely to return to matters relating to practical financial planning. In the meantime, listeners should watch out for a couple of bonus episodes that will be coming up soon. [27:55]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Simon explains that the focus of this episode will be on the money-related themes covered by Paul in his letters to new and developing churches [02:02]. Bex notes that a major point picked up by Paul is God’s ownership over everything, to which he draws attention in verses such as Romans 11.36 (“For from him and through him and for him are all things”) and 1 Corinthians 10.26 (in which Psalm 24.1 is quoted: “The earth is the Lord’s, and everything in it.”). [02:44]
• A second major, recurring theme, as highlighted in 2 Corinthians 9.6-15 for example, is that of giving generously and cheerfully. [04:20]
• Prompted by comments made in 1 Timothy 5.17-18 and then in Thessalonians (1 Thessalonians 2.9 & 2 Thessalonians 3.7-9), Bex asks Simon what he thinks Paul is saying about the kind of financial provision that should, or should not, be made for church leaders and teachers. [08:24]
• Bex and Simon discuss the implications of Paul’s inclusion of generosity in the list of spiritual gifts that he provides in Romans 12.6-8. [12:17]
• Simon refers to 1 Timothy 6.6-10 (which includes the well-known statement, “The love of money is a root of all kinds of evil.”) when talking about the need to train our hearts to be disposed towards ‘giving’ rather than ‘wanting’. [16:52]
• Simon identifies one final progression that is required to complete the journey of our hearts in their relationship with money: the importance of being motivated by love in all that we do, as mentioned in 1 Corinthians 13. [18:50]
• Simon draws attention to some of Paul’s other observations about money, wealth and possessions in his letters, including comments on issues relating to the workplace. [20:30]
• Quoting 2 Corinthians 12.14 (“Children should not have to save up for their parents, but parents for their children.”), Bex asks Simon what the financial relationship between parents - especially as they grow older - and their children should be. [24:11]
• When wrapping up the episode, Simon refers to 1 Timothy 6 again – verses 17-19 on this occasion – to emphasise the importance of the recurring message from the Bible that we should not rely on money but should regard it as a tool or a resource, instead placing our trust in God. [26:21]
• The final episode of this season will explore what the books of the New Testament that haven’t been covered yet, including the Book of Revelation, have to say about money. [28:33]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Bex and Simon introduce this episode, which explores what we can learn from the way that the early church dealt with money and possessions, as described in the Book of Acts. [00:54]
• Bex begins by asking Simon for his thoughts on two very well-known passages in Acts (Acts 2.42-47 and Acts 4.32-37), which describe the willingness of members of the community of believers to sell all they possessed for the benefit of others. [02:37]
• Simon brings in the story of Ananias and Sapphira from Acts 5 to illustrate how things can go badly wrong when underlying principles of honesty, trust and community are disregarded. [07:54]
• Simon and Bex reflect on the example provided by Paul, in Acts 28 and Acts 18 respectively, of an attitude of holding money, possessions and a home lightly, and also of working his passage as a tentmaker despite his priority being to preach the gospel. [11:00]
• Bex highlights the approach taken in Acts 6 towards providing for the widows, who were a particularly vulnerable group in society at that time. By appointing additional leaders and delegating responsibilities and tasks, the disciples found a way of meeting that need while also ensuring that they were able to continue spreading the message of hope and good news available through Jesus. [16:03]
• The account of Cornelius and his appeal to Peter in Acts 10 shows how one individual’s generosity and softness of heart can be used by God to produce positive and far-reaching consequences. [20:03]
• Simon wraps up the episode by quoting the words of Paul from Acts 20.32-35: “Now I commit you to God and to the word of his grace, which can build you up and give you an inheritance among all those who are sanctified. I have not coveted anyone’s silver or gold or clothing. You yourselves know that these hands of mine have supplied my own needs and the needs of my companions. In everything I did, I showed you that by this kind of hard work we must help the weak, remembering the words the Lord Jesus himself said: ‘It is more blessed to give than to receive.’ ” There will be more from Paul in the next episode of this season as it will focus on ‘Money According to the Letters of Paul. [23:37]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• When introducing the episode, Simon and Bex note that Jesus spoke extensively about attitudes towards wealth, money and possessions during his ministry and did so in a manner that was new and radical at the time. [00:36]
• To start off, various points are drawn out of the Parable of the Talents (Matthew 25.14-30 & Luke 19.12-27), especially the emphasis that is placed on being a good, wise and effective steward of resources by using money received wisely and effectively in support of the purpose for which it was given. [04:11]
• When it comes to the Parable of the Good Samaritan (Luke 10.25-37), it is suggested that the key message being put across is that what is important is not our role, status or wealth but how we use what we have. In this example, it is the understated and less ‘noteworthy’ individual who shows up his more ‘illustrious’ co-travellers by his instinctively generous action in putting aside personal inconvenience and risk to come to the aid of a victim of circumstances who has been abandoned to his fate. [09:40]
• The crucial importance of attitude is further illustrated in the parable of The Pharisee and the Tax Collector (Luke 18.10-14) and also by the example of sacrificial giving provided in the account of The Widow’s Offering (Mark 12.41-43 & Luke 21.1-4). [11:11]
• Simon then draws attention to the message conveyed via the Parable of the Hidden Treasure and the Parable of the Pearl (Matthew 13.44-45): that our perception of what is truly ‘valuable’ is subject to change when it is placed alongside something of infinite value. And when that happens, it is not just money but also reputation, power and authority that are worth sacrificing in pursuit of that new goal. [15:35]
• Bex asks Simon to comment on two seemingly contradictory parables associated with wealth and forward planning: the Parable of the Tower (Luke 14.28-30) and the Parable of the Rich Fool (Luke 12.13-21). Simon’s suggestion is that the distinguishing factor between the two situations is likely to be the motivation behind each of these enterprises as it seems that the second endeavour was much more of a self-serving activity than the former. [18:47]
• The final Bible extract explored in this episode is Matthew 6.19-21, from which the name of this podcast is derived. Simon sums up the message of this passage as being an encouragement to put our money where God wants it to go, which will have the outcome of drawing us closer to God and His purposes. [23:07]
• Bex warmly invites comments and feedback before eliciting from Simon that next week’s episode will consider what the Book of Acts says about money. [25:14]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Bex starts off the episode by remarking that, through verses such as Haggai 2.8 and Jeremiah 27.5, the Prophets continue a key theme that has run throughout the rest of the Old Testament: that everything belongs to God and our role is to be responsible and diligent in the way that we steward, on His behalf, the resources which have been entrusted to us. [02:15]
• Simon then uses the example of Isaiah being given a message by God for King Cyrus to highlight the importance of understanding the context in which the Prophets operated. [03:10]
• Simon refers to Amos 8 to illustrate another recurring theme of the Old Testament: the importance of putting God first rather than allowing greed and a preoccupation with acquiring wealth to become the factors that determine and drive our behaviour. [06:00]
• Encouragement to adopt a different, and life-giving, approach - of handling our possessions with integrity and as faithful stewards – is conveyed in Malachi 3.7-11. [08:13]
• Daniel is then introduced as a case study of an individual who consistently displayed integrity and obedience to God, even when subjected to highly challenging situations and pressures from the foreign, and very intimidating, rulers whom he was serving: Nebuchadnezzar, Belshazzar and Darius. [11:35]
• Simon wraps up the episode by suggesting that we can learn all kinds of things from the Prophets, including – thanks to Hezekiah’s experience, as recounted in Isaiah 38 – prompts that may cause us to reflect on ways in which we might come to terms with our own mortality. [19:02]
• In the next episode, the focus will switch to the New Testament and, in particular, to what Jesus had to say about money. [21:42]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Simon and Bex introduce the episode, with Bex commenting that The Bible Project has helpful resources that can assist us to understand and appreciate the various literary styles used in the Bible. [00:54]
• Simon starts off by sharing some reflections on the key biblical theme of stewardship, prompted by Psalm 24.1, one of his favourite money-related verses from the Bible: ‘The Earth is the Lord’s, and everything in it, the World, and all who live in it’. [02:57]
• For Bex, the poetic extract that immediately captured a significant theme for her – in this instance, the importance of dealing with debt promptly and effectively - was Proverbs 3.27-28: ‘Do not withhold good from those to whom it is due, when it is in your power to act. Do not say to your neighbour, “Come back tomorrow and I’ll give it to you”— when you already have it with you.’ [05:35]
• Bex and Simon discuss the Book of Ecclesiastes and the striking approach taken by the writer in using poetic form to highlight aspects of the human condition, including the frustration and sense of futility that can be experienced if God and His principles are ignored. [09:55]
• A number of intriguing and thought-provoking comments are made in Proverbs about attitudes and behaviour relating to work and how we go about our daily business, prompting Bex and Simon to delve into what this book of the Bible has to say about those topics. [16:42]
• Bex asks Simon for his thoughts on the ‘wife of noble character’ from Proverbs 31, who is held up as an example for others to follow not only in a domestic context but also in business and trade endeavours. [20:41]
• Simon concludes by commenting on one passage from Job and another from the Song of Songs. [25:42]
• The next episode in this season will explore what the Old Testament Prophets have to say about money and possessions. [29:29]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Simon identifies the Old Testament Books of History and then previews some of the topics that will be covered in the episode. [00:42]
• David’s passion for giving generously to support the building of the temple, as described in 1 Chronicles 29, is used to draw attention to the importance that is attached throughout the Bible to being a cheerful, enthusiastic and committed giver. [03:39]
• Obedience and selfless integrity when dealing with financial matters is also noted as a key theme throughout the History books [06:42] and is exemplified by Samuel’s challenge to Saul in 1 Samuel 15.22 that ‘To obey is better than sacrifice’. [09:33]
• The story of Ruth is then used to illustrate the far-reaching and positive consequences of (i) the gleaning arrangements that, under Old Testament Law, are designed to support the poor, and (ii) the godly actions of a wealthy individual in the form of Boaz, who behaves with such compassion and integrity. [16:16]
• By contrast, Haman, in the Book of Esther, is the epitome of a talented, wealthy and influential figure who falls foul of events, having allowed his power and position to undermine his judgement. Meanwhile, Esther demonstrates what can be achieved by those are willing to sacrifice everything and place their trust in God. [20:33]
• In Simon’s concluding comments, he observes that the History Books of the Old Testament provide us with many examples of God’s people failing to hold land, possessions or wealth lightly, creating much frustration, disappointment and pain for themselves as a consequence. [24:19]
• The focus of the next episode will be on money-related themes that were emphasised by the Poets of the Old Testament. [25:37]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Simon explains that this new season of the podcast will explore what the Bible says about money by tracing key themes as they emerge and develop through the Old and New Testaments. He has been helped in this endeavour by being able to draw on a resource produced by Howard Dayton called ‘2350 Verses on Money and Possessions’. [02:54]
• This episode identifies some key themes that are introduced in the Old Testament Books of the Law (Genesis, Exodus, Leviticus, Numbers and Deuteronomy). [03:54]
• Simon notes that the topic of how much we should give is mentioned early on in the Bible, with the concept of donating a tithe (a tenth) of our wealth to God receiving a mention as early as Genesis 14. [06:07]
• Bex then goes on to remark that while the expectation that God’s people will give is in the process of being formalised into a legal requirement, there is also very strong emphasis on generosity and a willingness to give being crucial ingredients. This point is illustrated with reference to Exodus 35, a chapter which also provides examples of other themes which will go on to be significant throughout the Bible, including (i) giving not being restricted to money, and (ii) the contribution that creativity can make to giving. [10:16]
• Two other key principles are identified: the importance of prioritising giving to God by setting aside ‘first fruits’ for Him; and the importance of providing for those in need, for example by means of a ‘Sabbath Year’ from which they can benefit. [13:49]
• Simon draws attention to the thought-provoking and challenging concept of the Year of Jubilee (the ’Sabbath of Sabbaths’) as outlined in Leviticus 25, which embodies principles of social justice, debt relief and stewardship. [18:38]
• When wrapping up this episode, Bex and Simon talk about the opportunities and challenges that arise from the theme that is developed in the Bible of there being a ‘Promised Land’ for God’s people. [22:46]
• Finally, Simon lists a number of other themes relating to money, wealth and possessions (including investing, borrowing and debt) that are brought to our attention within the first five books of the Bible. [25:04]
• The next episode in this season will explore what the Books of History in the Old Testament have to say about money. [26:08]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points covered in this episode include the following:

• Simon introduces the episode, with Bex then explaining that the first question posed to participants was ‘What has influenced your attitude to giving / being generous?’ [00:56]
• In the next section, answers are proffered in response to being asked ‘What can you / we give?’ [04:10]
• The third question answered by our guests for this episode focused on practicalities, such as how much, when and to whom we should give. [10:05]
• The fourth question to feature in this episode was ’How have you seen the impact of giving in your own life and/or in the lives of those around you?’ [13:41]
• Finally, our contributors were asked ‘What is your top tip regarding giving?’ [20:51]
• Simon concludes by thanking those who have taken part in these two vox pop episodes before Bex explains that the next season of the podcast, airing in the new year, will be looking into the topic of ‘Money, According to the Bible’. [24:23]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points covered in this episode include the following:

• Simon introduces the episode [00:44] and thanks the contributors. [02:26]
• The first question that participants answer is, ‘Why do you think you should (or shouldn’t) give?’ [02:58]
• Next up, answers are proffered in response to being asked, ‘What is lost if people don't give / are not generous?’ [09:53]
• The third question posed to our guests for this episode was, ‘What does the Bible say about giving that you have found to be helpful / significant?’ [12:49]
• Finally, our participants were asked, ‘What expression or quotation about giving / being generous has made the greatest impact on you?’ [19:13]
• In the second vox pop bonus episode, contributors will talk about the practicalities of giving and the impact that generosity has had on their own lives and on the lives of others. [22:55]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points covered in this episode include the following:

• Olivia introduces herself [02:03] and describes how, from an early age, she felt a passionate desire to be involved somehow in supporting the global poor. [03:29]
• Olivia explains how she came to visit Uganda and, in due course, set up Kids Club Kampala with co-founders, Corrie and Sam. [05:55]
• In response to a question from Simon, Olivia provides an update on the charity, describing how its staffing provision, activities and services have evolved over time. [13:49]
• Olivia talks about the challenges of being totally reliant on the generosity of others via voluntary donations [16:50] before going on to describe the best way that people can give [18:53] and how God has always met their needs. [21:47]
• In response to a question from Bex, Olivia shares some thoughts about how Christians can interact with charities [24:19] and then responds to a question from Simon about ways in which charities can be accountable to donors and can provide good feedback. [27:57]
• Olivia concludes by providing contact information and by encouraging listeners to respond positively to any ‘nudge’ that they are feeling from God and to say ‘Yes’ to partnering with Him to be generous to others. [31:18]
• Bex explains that another bonus episode will be released soon and will feature “the most voices that we have ever had on a podcast” in the form of responses submitted by listeners to a range of questions on the theme of Giving. [33:30]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Simon starts off by describing the very significant, but not widely known, role of Humphrey Monmouth (a wealthy cloth merchant) in spreading the gospel as a result of his financial support of Bible translator, William Tyndale, during the first part of the 16th century. Monmouth’s story is one of a number of interesting and inspiring accounts included by John Rinehart in his book, Gospel Patrons. [02:18]
• Simon’s second tale of the impact of individual generosity features 18th century businessman, John Thornton, a supporter of many charitable causes, who provided the financial and practical assistance that made it viable for former slave trader, John Newton, to publish his first book of hymns, which included ‘Amazing Grace’. [07:16]
• Simon describes the improved conditions and facilities for workers initiated by businessman and social reformer, George Cadbury, at Bourneville before going on to recount the part played by another member of the Cadbury family, Sir Adrian Cadbury, in the building of the first purpose-built Serbian Orthodox Church in the United Kingdom. [10:26]
• A salutary tale of the importance of consistency and acting with integrity in every circumstance comes in the form of the mixed legacy arising from the various endeavours and activities of William Lever (Lord Leverhulme). On the one hand, he created in Port Sunlight a widely admired model village, founded on Christian principles; and, on the other hand, his reputation has been seriously compromised not only because he could be uncomfortably paternalistic in his attitudes but, most significantly, because of his links to slave labour in the Solomon Islands and the Belgian Congo. [16:03]
• In Simon’s final historical example, he brings his narrative full circle by giving an example of modern philanthropists, the Laing Family, who have supported and extended the work of sharing biblical knowledge and understanding that had been started by William Tyndale and Humphrey Monmouth. [21:15]
• Simon concludes by sharing his own experience of being a recipient of generosity and the impact that it had upon him. [26:37]
• The ‘Where Your Treasure Is…’ podcast will return with Season 6 early in 2024. In the meantime, a couple of bonus episodes on the theme of ‘Giving’ will air before Christmas. [30:50]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Simon explains that, originally, the focus of this episode was to have been on the question of ‘When to give?’ but, ultimately, it went on to explore wider issues, notably the different kinds of attitudes that we can have towards giving. [00:27]
• Simon identifies four broad categories into which givers can fall, with each one being the result of a specific attitude that has been adopted towards giving. He suggests that the first type of giver can be described as being desultory, because they have a tendency to be haphazard and irregular in their giving. [02:40]
• A second possible approach towards giving is exemplified by the deliberate giver. [08:22]
• In a brief aside, Simon notes that other ways of categorising levels of giving have been devised in the past, most notably by the twelfth century Jewish scholar, Maimonides. [11:00]
• Next up in Simon’s scale is disciplined giving. [13:36]
• And finally, Simon describes the characteristics of the dedicated giver, as illustrated by the sacrificial giving of the Macedonian church that is described in 2 Corinthians chapter 8. [17:07]
• Simon explains that the final episode of this season on Giving will feature various stories from history that he hopes will demonstrate how powerful the impact can be when God’s people give freely and generously. [22:24]

Contributions, suggestions or feedback in response to this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Bex begins the episode by mentioning biblical principles relating to giving that have been covered in discussions to date. Simon explains that, on this occasion, his emphasis is going to be on practical and context-sensitive factors that can help us to implement our giving in an effective, efficient and appropriate manner. [00:42]
• One point to take into account is the tendency of our giving to depreciate ‘in real terms’ over time if it remains at the same amount. For that reason, it makes sense to review our giving regularly, taking account of that factor and other relevant considerations. [02:35]
• Being clear about your priorities when giving to charities and causes will help you to make appropriate and strategic decisions about how much to give and whether your giving in specific instances should take the form of a one-off gift or regular donations. [08:37]
• Building on previous discussions, Simon highlights the importance of thinking through carefully how much time we should give to various causes and activities. [12:53] He uses a personal example to illustrate the kind of approach that can be adopted to ensure that there is helpful clarity and openness about commitments to give time. [15:53]
• Simon includes the following points in his concluding remarks: giving should be a priority and should be responsive to what is ‘normal’ as far as your spending patterns are concerned; it should be sacrificial and it should take into account how much you have left over after you have given; and it should be done thoughtfully and strategically, for example by allocating resources with awareness that gifts may achieve more in certain contexts compared with others. [20:47]
• The next episode in this season will deal with the question of when to give. [24:27]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Simon and Bex start their conversation about to whom to give by discussing which comes first: the decision to give or identifying who we are going to give to? [01:15]
• Simon introduces the idea of ‘opportunity cost’ because the fact that we have ‘limited resources’ means that we are likely to have to choose between ‘mutually exclusive alternatives’ ie a decision to give in one direction will often rule out a donation towards another possible recipient. [04:32]
• The key question then becomes: 'What criteria do we use to determine how we should prioritise our giving?', especially when members of our family can be in the mix as one of the options. It is suggested that a giving policy can be really helpful when weighing up the issues prior to making a decision of this nature. [10:10]
• Simon and Bex begin their consideration of specific giving options by itemising a number of different ways in which we can give to church-related activities. [16:07]
• Similar decision-making processes also need to be employed when considering to which non-church charities and causes we might want to give. [18:38]
• In Simon’s concluding remarks, he highlights the importance of being deliberate in our giving, making sure that we are giving effectively and reviewing our giving periodically. [19:47]
• The question being examined in the next episode of this season will be ‘How much to give?’ [21:12]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• After a quick recap on Gift Aid [00:50], Simon introduces the three main topics that will be covered in this episode: Give as you Earn/Payroll Giving; Wills and Legacies; Limited Company Donations. [03:15]
• Simon explains how Give as you Earn/Payroll Giving works [03:46] and then, in response to a question from Bex, goes over the pros and cons of using this option as opposed to Gift Aid. [05:02]
• Simon then turns his attention to lifetime giving at the point of death (and even after death), which can be managed through wills and legacies. Apart from providing clarity regarding bequests and charitable donations etc, this approach can be of great benefit in connection with any Inheritance Tax factors that may arise. [14:08] NB Bex points out that listeners may find it useful to listen to the conversation with Fiona Clarke, private client solicitor, in Season 3 Bonus Episode 2 as many helpful points relating to wills and legacies are covered during that discussion.
• Bex asks Simon for his thoughts on balancing lifetime giving with giving solely at the point of death, typically via a will. [20:41]
• Simon outlines the arrangements that pertain for donations made by limited companies. [22:01]
• Bex then asks Simon to comment on the pros and cons of one-off gifts compared with regular giving [24:15] and on how best we can ensure that we are accountable in connection with our giving. [25:26]
• The focus of the next episode in this season will be on ‘Who to give to?’ [28:09]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Bex starts the episode with a quotation emphasising that Giving is essentially a matter of the heart [00:52], and Simon lists 17 approaches to Giving which the Bible encourages us to adopt. [02:03]
• Simon goes on to explain that the focus in this two-parter is going to be on how to give - specifically on the best way to give money to a charity or organisation, and how the UK tax system can enhance the amount that we give. [03:06]
• Simon explains the nature of Gift Aid [04:48] and answers some questions from Bex [06:38] regarding the detail of how it works in practice, including how the arrangements can vary depending on the amount of tax paid [11:57] & [18:16].
• Simon concludes the episode by highlighting a number of additional points relating to Gift Aid that may be of interest to listeners. [20:26]
• Part 2 of ‘How to Give?’ will explore some other ways in which charitable giving can be made more tax efficient, as well as considering the balance to be struck between lifetime giving and giving at the point of death. [26:19]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Simon and Bex start by talking about matters relating to giving money. [01:12]
• When turning to what we can give other than our money, the first option that Simon and Bex talk about is how we can give our time. [06:20]
• Prompted by Simon’s comments about volunteering time, Bex asks him to suggest how else we can donate our expertise and skills to a church or charity. [12:42]
• Simon then comments that we can give our reputation to a cause and goes on to explain the benefits and impact that can come from doing that. [15:15]
• Simon then talks about a number of practical ways in which we can support charities by donating and selling items and also by buying goods and services from them. [17:06]
• We can also show love and commitment by giving away ‘space’ in our homes by being hospitable, which some people will extend to providing accommodation for others. [18:22]
• Simon concludes by suggesting a number of other ways in which we can give, including by giving property, shares, our career and through wills and legacies. [21:03]
• The next episode will focus on how we give in order to ensure that we are doing so as effectively and efficiently as possible. [24:22]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Simon and Bex introduce the topic of Giving by considering some recent statistics about the extent to which people in the UK give to charity and the reasons that people give for donating. [02:15]
• Reference is made to what the Bible says about Giving, with particular attention being drawn to 2 Corinthians 9.6-11: ‘Remember this: Whoever sows sparingly will also reap sparingly, and whoever sows generously will also reap generously. Each of you should give what you have decided in your heart to give, not reluctantly or under compulsion, for God loves a cheerful giver. And God is able to bless you abundantly, so that in all things at all times, having all that you need, you will abound in every good work. As it is written: “They have freely scattered their gifts to the poor; their righteousness endures forever.” Now he who supplies seed to the sower and bread for food will also supply and increase your store of seed and will enlarge the harvest of your righteousness. You will be enriched in every way so that you can be generous on every occasion, and through us your generosity will result in thanksgiving to God.' [06:04]
• Simon shares seven advantages of the practice of Giving that were identified by Mark Lloydbottom in his 2009 book, ‘The Money Devotional: 40 Bible Reflections on Money Wealth and Possessions’. [10:03]
• Time is spent considering whether Christians are under an obligation to give, what our motivations to give should be and how those factors might affect the way that we deal with requests to give. [11:48]
• Simon draws attention to the fascinating conclusions about using money strategically and generously that are included in the 2014 book, ‘Happy Money’ by Elizabeth Dunn and Michael Norton. [18:37]
• The positive effects that donating money can have on society are illustrated with reference to the principles outlined in the Old Testament books of Leviticus, Deuteronomy and Ruth (eg Deuteronomy 14.28-29) and by the contemporary benefits and importance of food banks. [22:16]
• Generosity as a theme is highlighted by reflecting on the positive nature of so many individuals who are generous and also by noting that the Bible encourages us (eg in Romans 12.6-8) to eagerly desire spiritual gifts, including the gift of Giving, with the exhortation being to give enthusiastically and generously. [24:11]
• In a change of tack, it is noted that there are practical ways in which our giving can be assisted or enhanced - including through tax relief, which will be covering fully in a future episode. [25:55]
• Finally, this introductory episode concludes with some thoughts about giving to our families and the kinds of questions that can arise in that context. [27:15]
• The next episode in this season will consider the question, ‘What should we give?’ [30:46]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Various items covered in this episode that may be of particular interest include the following:

• Simon starts off by outlining the purpose and nature of the HMRC tax return, as well as explaining who needs to complete it on an annual basis. [01:19]
• Simon talks about the circumstances in which people might find it helpful to have professional input or assistance from the likes of a financial planner or an accountant. [08:01]
• Simon mentions the importance of good record keeping before going over the information that needs to be reported and the distinctions (eg between allowable and non-allowable expenses) that need to be made when completing a tax return. [09:41]
• Particular attention is drawn to the opportunity to report Gift Aid contributions because of the relevance of this option for those who give money to charities (including churches). [15:07]
• Simon then goes on to explain the dates by which tax returns and payments are required. [16:59]
• Simon speaks about payment matters, including what to do if you think that you won’t be able to pay the tax due or will be late in making a payment. [21:57]
• Simon explains how tax codes work. [26:45]
• Simon concludes by listing some top tips for anyone required to complete a tax self-assessment. His recommendations include the following: consult an accountant if you are finding the process challenging; put money aside for tax payments as the year goes on; be aware of the likelihood of needing to make payments ‘on account’; take advantage, if helpful to do so, of the flexibility available when allocating Gift Aid to a tax year; bear in mind that pension contributions can reduce tax payments; if relevant, carry forward a loss on an investment so that it can be used to offset tax in the future; use the HMRC app to help you to manage your tax information. [29:34]
• Season 5 of the ‘Where Your Treasure Is…’ podcast, on the theme of ‘Giving’, is coming soon. In the meantime, please use the contact details below to send in any questions that you have about the HMRC tax return that were not answered during this episode. [32:25]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points covered in this episode include the following:

• Simon describes an incident that triggered his appreciation of the power of generosity [01:38] and goes on to talk about various other factors that shaped his thinking about why we might want to cultivate the habit of giving some of our money away. [03:18]
• Prioritising giving money away and exploring what it means to give sacrificially were two themes that came to the fore for Simon when moving on from being a student to the world of paid employment. [06:00]
• Simon outlines the steps and experiences that led him to conclude that God was prompting him to start up his own business. [11:43]
• Simon identifies three key values [16:34] and six big goals [18:28] that he feels have been the hallmark of his business and have distinguished it from other financial planning companies.
• In response to a question from Bex, Simon provides some headline advice for anyone interested in following in his footsteps by setting up a generosity-inspired business venture of their own. [22:52]
• In his concluding remarks, Simon encourages each of us to make a priority of identifying the unique skills and abilities that God has given us and also the individual passions that He has put within our hearts. That will then provide a great platform for us to serve God’s purposes in an individually fulfilling and distinctive manner. [25:02]
• Next up will be a second bonus episode, explaining the intricacies of the HMRC Tax Return, which will then be followed by Season 5, on the theme of Giving, which will commence in early September. [27:25]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Stumbling block number one to having good conversations about money is failing to actually start the process! [01:48]
• The second barrier is that talking about money can have an emotional dimension that many people find difficult to handle. [05:23]
• Thirdly, if you find financial content difficult and don’t fully understand the issues, you are going to struggle to have good money conversations. [13:12]
• Similarly, if you are unclear about the objectives of a money conversation or don’t want to face up to what needs to be addressed, no progress is going to be made. [18:50]
• Finally, Bex and Simon highlight the importance of following up our conversations about money and revisiting them, as appropriate. [23:49]
• As this is the final episode of Season 4, Simon asks Bex whether or not the ‘Where Your Treasure Is…’ podcast is going to continue! [27:06]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Simon and Bex introduce the episode by talking about the individual goals that they feel that God has placed on their hearts and how important these are to them. [01:43]
• They then go on to discuss what contribution money can make to the efforts that we each make to fulfil our goals and what that might look like in practice. [04:52]
• Bex comments that each of us faces a challenge in trying to establish an appropriate balance between effective stewardship and living generously; Simon suggests that people are likely to respond to this issue in different ways, and what is most important is for each person to develop their own response through a process of hearing from God regarding what is right for them individually. [07:48]
• When it comes to putting into practice the personal principles that we have established, Simon suggests that, for much of the time, it can be a case of simply using the godly common sense, discernment and responsiveness that we each tend to develop over time if we are following the Lord sincerely and are interacting meaningfully with other Christians. [12:02] It is also noted, however, that it is very easy to over-commit or to end up being pulled in several different directions. For that reason, it can be very important to be rigorous and pragmatic in our decision-making processes. [15:05]
• Various suggestions are made about how we can start to respond practically to the challenge of managing our money effectively to support a long-term goal that God has put on our hearts. It is noted that, rather than being a solo undertaking, it can have all kinds of benefits to join with others in pursuit of such objectives. [18:45]
• Simon stresses the importance of taking action and getting started, even if that is at a very modest level or is in combination with others. [24:03] He also highlights the benefits of ensuring that we have conversations about money on an ongoing basis. [26:37]
• The final episode of the ‘Money Conversations’ season will consider how we can deal with the challenges that arise when we try to have conversations about money. [27:50]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Simon introduces the key elements of this week’s discussion: how should we shape our current attitudes, behaviours and emotions relating to money; and what can we do now to create better outcomes in the future? [01:18] It is suggested that a vital element in that process is to have conversations about money with someone whom you can trust and who seems to set a good example in the way that they deal with money matters. [02:47]
• When discussing money with a trusted individual, it is important to ask good questions but also to be clear about the nature of the relationship with the other person and the goals that you are hoping to achieve through those conversations. [06:17]
• Simon asks Bex what role church leaders can play in money conversations [08:57] and goes on to suggest ways in which we can benefit from input with a spiritual emphasis that they can provide. [11:24]
• In response to a question from Bex, Simon talks about ways in which conversations can be used to help us to determine priorities and to be discerning in our decision-making. A particular point of interest is what we can do to achieve an appropriate balance between being responsible stewards of our resources and having an attitude of faith that God will provide, even though the odds may be against that happening. [13:04]
• Establishing priorities and addressing current financial situations can really help our decision-making while also giving us confidence that we are making good and appropriate decisions. [18:44]
• Simon suggests some first steps that can be taken by anyone looking to start exercising the ‘muscle’ of faith and generosity. [22:12]
• Next week’s episode considers how our money can affect the future, and can even have an eternal impact. [24:53]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Simon explains that the next three episodes will focus on how factors connected with the past, the present and the future can affect our attitudes towards, and our experiences of, money. In this episode, the spotlight will be on the way in which previous conversations and experiences involving money may have influenced the way in which we are currently dealing with financial matters. [00:36]
• Simon and Bex start off the discussion by identifying various people and factors that are likely to have played a role in shaping and influencing our view of money. [02:06]
• Attention then shifts to what kinds of attitudes might be developed in individuals through interaction with other people regarding money matters and also as a result of observing or experiencing situations in which money has been a key factor in determining an outcome. [05:32]
• Simon then makes some comments on how we can start to change the situation and move forward if we are not entirely happy with the relationship that we currently have with money. Gambling is used as an example of a topic that requires us to think through, and discuss, a subject ourselves in order to arrive at our own view of a matter. [10:15]
• The desirability of using a credit card is provided as another example to illustrate that there are money matters on which there is not a cut and dried, biblical point of view. [16:19]
• Simon highlights the importance of learning from mistakes and moving on our attitudes and opinions in a positive manner. [18:20]
• Simon suggests that the following practical steps can be taken to address issues that have been identified as being an unsatisfactory legacy from the past: (i) acknowledge that there is a problem [20:22]; (ii) speak to others and learn from a trusted friend who seems to handle money well [20:48]; (iii) put in the necessary hard graft eg by putting a budget in place [21:42]; (iv) if necessary, seek debt recovery advice from the likes of Christians Against Poverty [21:58].
• In response to a final question from Bex, Simon comments on steps that can be taken to deal with emotional hurt arising from previous money incidents or conversations. [22:45] He notes that in some cases, such as those involving divorce, the ramifications can be very significant and far-reaching. [25:02]
• The next episode in this season will explore how the decisions that we make about money in the present affect us not only just now but also in the future. [26:53]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Simon introduces the episode by explaining that the focus is going to be on the range of people with whom we can have money conversations and the different contexts in which those discussions occur. He describes the situation as having many layers of financial interaction while Bex uses the analogy of each of us having various spheres of financial relationships around us, with which we engage to a greater or lesser extent. [00:34]
• The primary, and earliest, sphere of financial interaction for Bex had been with her parents. She and Simon discuss the potential for parent / child dynamics in this context to be very complex because of personal development factors and also as a result of the different phases of life and significant changes that occur in families over time. [04:02]
• Inevitably, conversations about money that occur with peers are quite different from those that occur with parents or anyone else with whom there are money-related ‘authority dynamics’ in play. Such conversations can, however, still include elements of accountability and taking advice. [08:54]
• Bex and Simon discuss the responsibilities and decision-making that come with being a budget holder, whether that be in a church or a business context. [10:47]
• When asked about other contexts in which she has money conversations, Bex comments that these can occur almost anywhere and, quite often, unexpectedly. Simon suggests that this shows that many people are looking for thoughtful and informed input on money matters and are quite likely to be interested in hearing our views if it is clear that we have considered issues seriously and are not afraid to admit that we don’t have all of the answers. [14:17]
• Simon goes on to talk about situations in which our voice can have a wider impact when, for instance, we provide input which enables money to be used for the good of the community. It is also noted that sharing our views on the principles that we apply when spending money - on clothes for example - can influence others and can contribute to a broader conversation taking place across society. [18:57]
• Bex extends the scope of ‘wider impact’ by asking Simon how we can engage meaningfully with opposing points of view while remaining true to our personal beliefs when having conversations about politics. [22:01]
• Bex wraps up the conversation by highlighting three points to reflect on: know what you think and why; your opinion matters; we have a challenge and an opportunity to share the light and hope that is at the heart of our Christian faith. [24:40]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Simon identifies four factors that can contribute significantly to the success of conversations about money: identifying purpose; recognising approaches that can be constructive; being clear about actions that need to be taken; reviewing the conversation. [01:12]
• When discussing possible purposes for having conversations about money, Simon suggests that these tend to fall into four main categories: to develop an understanding of money matters; to support attempts to achieve a future goal; to discuss ways of tackling a financial issue that has arisen; to find, as a matter of urgency, a way of dealing with a situation affecting personal finances that could become a major crisis for an individual. [01:56]
• It is then suggested that the key characteristics of a good conversation about money are as follows: they are based on godly, biblical principles [06:36]; they take emotional responses into account and are open and honest about them [08:33]; they are realistic [11:31]; they are conducted in a thoughtful and considerate manner. [14:12]
• Factors that can increase the chances of a money conversation being constructive and successful include the following: choose an appropriate time and place [18:01]; take advantage of natural opportunities to have free ranging conversations [19:13]; make sure that everyone has the ‘knowledge’ they need to participate meaningfully. [19:51]
• The following tips were mentioned in connection with the challenge of concluding money conversations well: reflect back what has been said so that there is a shared understanding of what has been discussed and (where appropriate) agreed, regarding actions to be taken [23:16]; revisit conversations as and when it is appropriate to do so. [23:58]
• It is acknowledged that money is an emotive subject and that most people struggle to talk about it. However, having those conversations can be a huge help, so Simon encourages listeners to ‘start small’ but to commit to opening up money as a subject for ongoing conversations. It is also very important, though, to deal with a situation immediately if crisis point has already been reached and, in such cases, the advice is to get immediate professional input and help from the likes of Christians Against Poverty and Citizens Advice. [25:52]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Bex explains what she means by ‘internal conversations about money’ and why they are important. [00:42]
• In response to a question from Simon, Bex talks about how we can identify and then explore the many factors and experiences that can contribute to our internal dialogues about money and influence our long-term views and attitudes. [04:05]
• Bex comments on the benefits of increased self-awareness regarding our attitudes towards money and then asks Simon how much that matters: does the way that we deal with money have significance just in the here and now, or can it actually have consequences that are far reaching and highly significant? [12:43]
• Bex talks about being aware of her emotions when thinking and talking about money. She suggests that those feelings are often influenced by a narrative about money that has developed within her over time and that it can help her to make better decisions if she takes stock and reviews situations in light of those reactions. [17:33]
• Simon comments that, for a long while, he had adopted a logical, but rather limited, attitude towards money that had inhibited his ability to use money naturally and freely for his own needs, and also for the benefit of others. Conversations about money with his wife have helped Simon to progress from managing money in a rigorously functional manner to being more flexible and rounded in the way that he deals with financial matters. [19:06]
• Bex notes that as well as benefiting by receiving input from others, we can help to increase the likelihood of developing a godly perspective on money issues if we open ourselves up to the Holy Spirit. [21:38]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Money is intrinsic to our lives – we deal with it all the time and in lots of different ways – so if we don’t learn how to talk about money matters (including the relevance of what the Bible says about money), we are likely to be storing up issues that we will have to deal with at a later point. [02:00]
• Simon emphasises the importance of normalising conversations about money because managing money badly - often caused by a simple lack of awareness or understanding - can lead to significant personal, practical and social problems while an informed, confident and appropriate attitude towards money can really help us to live life well. [05:03]
• In response to a question from Bex, Simon provides some thoughts on possible topics of conversation and how these can be opened up and then structured in a way that removes barriers rather than creating them. [08:17]
• Another question prompts Simon to talk about the various people with whom we might have conversations and the range of different contexts and circumstances that can affect the nature of these discussions. [12:53]
• Simon comments on various practical elements - such as location, timing and opening words – that can help or hinder conversations about money. He suggests that the success of such conversations should be measured according to the extent that they manage to serve the needs of both parties. [16:23]
• When making some concluding remarks, Simon observes that conversations about money tend to run through the key moments of our lives and that it can make a huge difference if we can cultivate a positive and open attitude towards having such conversations. [20:34]
• Listeners are warmly invited to take part in the collaborative conversation about money that we are hoping will take place throughout the course of this season of the podcast. Emails can be sent to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast. In the first instance, contributions about memories of formative experiences involving money and comments about money-related topics that can be hard to broach would be particularly welcome. [22:56]

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points covered in this episode include the following:

• Fiona introduces herself [01:13] and describes how she became a Christian. [02:01] She goes on to explain how she developed an interest in the Law [03:53] and the steps that led her to become a Private Client Solicitor. [04:42]
• In response to a question from Bex, Fiona talks about the way in which her faith interacts with her job on a day-by-day basis. [05:45]
• When asked to share some top tips from her area of expertise that may be of interest to listeners, Fiona highlights the vital importance of having a Will [08:23], putting in place a Power of Attorney arrangement [09:44] and taking proper financial advice, especially with regard to Pensions. [10:42]
• Fiona then covers various practical matters relating to the priorities that she has identified. In this section, she emphasises the importance of not using a Will template or Do It Yourself pack [11:38] and explains when someone should consider putting a will in place [16:18] and how much that is likely to cost. [20:53]
• Fiona also highlights the importance of not taking financial actions on the basis that a particular arrangement worked for someone else. When making significant gifts, for example, it can be very important to take specific financial advice because of the impact that an individual’s own, particular circumstances can have in that kind of situation. [21:52]
• In reply to a query from Simon about the best way of finding Private Client solicitors, Fiona draws attention to the useful information provided by the following organisations: the Society of Trust and Estate Practitioners; The Legal 500 and Chambers and Partners. [26:44]
• When asked for some concluding remarks, Fiona comments on the vital importance of good communication in this whole area – between and among advisers, but also for each individual in their contact with friends and family regarding such matters. [29:21]

Feedback and questions regarding this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk or by contacting @whereyourtreasureispodcast on Instagram.

Otherwise, please join us for Season 4 of the ‘Where Your Treasure Is’ podcast, which will begin on Wednesday 3rd May 2023.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points covered in this episode include the following:

• Don introduces himself [01:24] and describes how he became a Christian [02:14] before going on to talk about how he came to study Theology at Aberdeen University [04:20] and the contribution made by an early version of Vineyard Leadership College to his thoughts about church planting. [08:09]
• In response to a question from Bex, Don speaks about the financial matters that had to be considered when making the decision to move to Inverclyde in February 2019 to plant a new church in that area. [11:15]
• Simon then asks Don about the role of faith in his own life and in the church planting process. [14:42]
• Don talks about the factors and experiences that he feels have equipped him to deal with the financial challenges of his role as a church planter. [18:50]
• Bex asks Don to share some top tips about faith and finance that he has learnt as a result of his church planting experiences over the last few years. [22:05]
• Answering a further question from Bex, this time about key biblical principles that have guided him, Don talks about the importance of examining our attitudes and our ‘heart’ to check that they are aligned with God’s heart and His purposes. [26:11]
• Simon then asks Don what he thinks God wants to say to us about our relationship with money, especially in connection with supporting the church and living generous lives. [28:46]
• Simon concludes by inviting listeners to drop into Inverclyde Vineyard Church at 10.30 on a Sunday morning if they are in the area and also to contact Don if they have an interest in church planting and would like to pick his brains on that topic. [33:00]

Feedback and questions regarding this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk or by contacting @whereyourtreasureispodcast on Instagram.

Season 3 Bonus Episode 2 will be released on Wednesday 12 April 2023, with the first episode of Season 4 arriving on Wednesday 3rd May 2023.

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Bex and Simon invite listeners to contribute suggestions for topics to be covered in future seasons of the podcast. [00:52]
• Simon explains what he means by ‘estate planning’, noting that its key purpose is to help people to arrange their financial matters so that, when they die, the right people get the right amount at the right time. [02:35]
• Simon outlines the vital importance to effective estate planning of having a will. [04:42]
• Inheritance tax is the second key factor to take on board in connection with estate planning. Simon explains how it works. [06:27]
• In response to a question from Bex about effective ways of passing on what we have to others when we die, Simon covers the following three points: the advantages of not waiting until death to pass on our assets [09:55]; the importance of understanding the seven year tax rule in connection with gifts that we make during our lifetime [13:25]; and the fact that trusts can be used as a way of placing gifts ‘on hold’ until the right time for making them is reached. [16:51]
• Simon identifies two other approaches to estate planning that can be very useful: ensuring that, for married couples in particular, they hold some assets jointly so that one party is not left without access to money when the other dies [19:39]; being generous and, in particular, making gifts to charity can lead to an outcome where more of our money can be used for purposes that we have decided on, rather than being allocated as a tax payment. [21:00]
• Bex rounds off the season by explaining that there will be a bit of a break before Season 4 and invites listeners to get in touch with feedback, but also with suggestions for the new season, by emailing whereyourtreasureis@freerangepodcasting.co.uk or by sending a message via Instagram to @whereyourtreasureispodcast. [23:20]

This show has been brought to you by Free Range Podcasting.

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points covered in this episode include the following:

• Simon explains why end of life planning is important. [00:25]
• Simon highlights that a key factor affecting financial planning in this area is the extent to which resources can be passed on to others. In the first instance, he describes the situation as far as pensions are concerned. [03:15]
• Simon goes on to talk about the heritability factors that apply to Individual Savings Accounts (ISAs). [10:45]
• Simon then explains the heritability characteristics of General Investment Accounts (GIAs) and Investment Bonds. [13:08]
• Simon speaks about the importance of simplifying financial arrangements [15:34] at this stage of life, before going on to cover Wills and Powers of Attorney [18:53], Deeds of Variation [20:10] and the Nil Rate Band [21:17].
• He concludes with some quickfire pieces of advice: be organised [23:01]; consider running a credit check on yourself [23:30]; get your family involved sooner rather than later [23:48]; and if you have more than you need, spend it or give it away [24:23].
• Simon draws attention to the fact that the recording of Season 3, ‘Practical Financial Planning’ is now complete. The final episode, ‘Estate Planning’, will be released next week. [25:26]

This show has been brought to you by Free Range Podcasting.

If you would like to contact us with some feedback, questions or requests, please do so via whereyourtreasureis@freerangepodcasting.co.uk (email) or @whereyourtreasureispodcast (Instagram).

You can sign up to receive news and updates about this podcast by clicking on this link.

Some key points of interest covered in this episode include the following:

• Simon explains that the aim of a decumulation strategy is to manage the timing and order of financial withdrawals during retirement. [01:06] A good decumulation strategy is based on a clear understanding of the tax arrangements that apply to investments that have been made in preparation for retirement. [03:44]
• Simon works through examples of how a newly retired individual might release money in retirement. [06:18] He demonstrates that for anyone who has more than one source of income, understanding the relevant tax factors can make a huge difference to the right order in which to withdraw money. [14:15]
• In response to a question from Bex, Simon explains how to use crystallisation to manage the process of taking withdrawals from a pension fund in a tax efficient manner. [18:14]
• Simon explains that not all pensions include a 25% tax free cash element, meaning that different types of pensions can require different treatments in order to maximise withdrawals. [21:24]
• Simon deals briefly with points to note when taking money from Individual Savings Accounts (ISAs) and General Investment Accounts (GIAs). [23:43]
• Simon summarises key points covered in this episode. [26:11]
• The final ‘Practical Financial Planning’ episode will deal with ‘Estate Planning’, including various matters relating to inheritance tax. [28:24]

This show has been brought to you by Free Range Podcasting. If you would like to contact us with some feedback, questions or requests, please do so via whereyourtreasureis@freerangepodcasting.co.uk (email) or @whereyourtreasureispodcast (Instagram).

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points covered in this episode include the following:

• Simon identifies four factors that can come into play when considering what ‘retirement’ means for each individual [02:09]: Age [02:44]; Stage [03:25]; Health [03:57]; Income. [04:38]
• Simon explains that the process of ‘retirement transition’ requires people to weigh up their priorities regarding matters such as money, career, health, family and other relationships. [06:19]
• In response to a question from Bex, Simon provides some top tips for doing retirement well, based on his experiences of working with clients over the years. [10:34]
• Bex draws attention to the relevance of the Season 3 episode on ‘Decumulation’ (which is being released next week) because of its focus on managing money in retirement. [17:02]
• Using Numbers 8.24-26 as his starting point, Simon comments on what the Bible says about retirement and then puts forward some suggestions for inclusion in a Christian perspective on retirement in the 21st century. [20:02]

The final 'Key Life Stages’ episode will be devoted to the topic of ‘End of Life Planning'.

This show has been brought to you by Free Range Podcasting. If you would like to contact us with some feedback, questions or requests, please do so via whereyourtreasureis@freerangepodcasting.co.uk (email) or @whereyourtreasureispodcast (Instagram).

You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Some key points of interest covered in this episode include the following:

• Bex and Simon set the scene by quoting the following biblical references: Luke 14.28-30 & 12.31-41; Proverbs 31.16-21 & 21.5. These verses flag up a number of topics relevant to financial planning, including anticipating future needs, providing for family, inheritance and generosity, but also greed, laziness, haste and lack of planning. [01:05]
• Simon starts talking about the concept of cash flow planning by explaining the long-term perspective that it provides when he uses it in a business capacity with clients. [04:13]
• Software can be a great help when undertaking cash flow planning, so Simon draws attention to 'Truth About Money', a free version of a cash flow modelling tool that he uses professionally. [08:32]
• Simon goes on to describe how a long-term cash flow model works and in what ways it can be helpful. [16:00]
• Simon suggests that financial planning decisions should not be determined purely by monetary considerations. The faith perspective is vital for Christians and, in his final comments, Simon mentions the importance of seriously considering matters such as working out “how much is enough?”, being generous and serving God. [21:06]
• As ever, please contact us via whereyourtreasureis@freerangepodcasting.co.uk, or on Instagram via @whereyourtreasureispodcast. The next ‘Practical Financial Planning’ episode will be ‘Decumulation Strategy’, which will be released after a break for Christmas. [24:42]

This show has been brought to you by Free Range Podcasting.

Some key points covered in this episode include the following:

• Simon provides a brief overview of planning for retirement and explains why it is important to prepare well for that stage of life. [04:06]
• The first, and most obvious, step is to build up your State Pension. [06:49]
• The next key factor is to increase your pension(s), whether company pension schemes or personal pensions. [08:08]
• The third main strategy to adopt is to make a conscious decision to decrease pre-retirement expenditure in a sensible and considered manner. [09:24]
• Simon highlights the benefits to be gained from saving money in the final years before retirement and putting it into a pension. [12:06]
• Simon acknowledges that there are many different factors that can affect people’s priorities and actions as they get ready to retire. [14:55]
• Simon suggests that the best way of being able to retire at your preferred point in time is to set up a budget with that goal in mind. [16:55]
• Simon concludes by listing five additional points, aka ‘nuggets of wisdom’, to consider when preparing for retiring: (1) the significance for couples of discussing retirement matters with each other beforehand [19:33]; (2) the benefits of including all relevant factors when making affordability calculations [20:36]; (3) the need to consider various principles and practicalities when considering leaving an inheritance [21:12]; (4) the advantages of taking a flexible approach towards ‘retirement goals’, recognising the benefits of putting some plans into effect before retirement itself actually takes place [21:32]; (5) the importance of considering being generous and planning how and when giving can occur during retirement. [22:38]
• If you would like to contact us with some feedback, questions or requests, please do so via whereyourtreasureis@freerangepodcasting.co.uk (email) or @whereyourtreasureispodcast (Instagram). The next life stage episode will be devoted to the topic of ‘Retirement’ itself. [22:56]

This show has been brought to you by Free Range Podcasting.

Some key points of interest covered in this episode include the following:

• Simon uses the analogy of buckets (places we put money) on a shelf (a way to organise our money) to explain how we can accumulate various products (bank accounts, pensions, ISAs, savings accounts etc) from different providers (banks; building societies; brands such as Visa, PayPal, Mastercard; insurance companies etc), which then require to be organised if we are going to manage them efficiently. [01:13]
• Simon explains how platforms (‘integrated’ platforms in the first instance) were developed as technology enabled people to interact to a greater extent with financial matters. [09:55]
• The DIY platform (sometimes called 'Fund Supermarkets') allows investors to hold different types of investment in one consolidated account, without having to go through a provider. [12:09]
• The 'adviser facilitated' platform enables independent financial advisers and planners to manage their clients’ money in a manner similar to the DIY platforms, with the result that investments do not have to be restricted to a single provider's funds. [13:40]
• When asked about the relative merits of a provider's own integrated platform, a DIY platform or an adviser platform, Simon explains that four factors need to be taken into account: Product [17:11]; Cost [18:11]; Funds [22:36]; Advice [25:11].
• As ever, please contact us via whereyourtreasureis@freerangepodcasting.co.uk, or on Instagram via @whereyourtreasureispodcast. The next ‘Practical Financial Planning’ episode will be ‘Cash Flow Planning’. [28:07]

This show has been brought to you by Free Range Podcasting.

Some key points covered in this episode include the following:

• Simon introduces the topic of ‘Career Progression’, explaining what is going to be covered in this episode. [00:55]
• Bex and Simon consider some of the things that the Bible says about work, referring to Genesis 2.15, Revelation 22.3, Colossians 3.23, 2 Thessalonians 3.10, Proverbs 14.23 & 16.3, and concluding with Ephesians 4.28, which highlights the potentially transformative effect of work. [02:27]
• Simon suggests that any point at which our financial circumstances change is an opportunity to think about how generous we can be and to review our giving. [05:17]
• Simon then covers four further topics that merit fresh consideration at this time: protection [09:39], debt [10:48], pensions [14:12] and saving & investing [17:28].
• Simon concludes by mentioning briefly some other topics (including inflation, and also individual and family considerations) that are worth thinking about in connection with career progression. [19:41]

If you would like to contact us with some feedback, questions or requests, please do so via whereyourtreasureis@freerangepodcasting.co.uk (email) or @whereyourtreasureispodcast (Instagram). The next life stage episode will be ‘Getting Ready for Retirement’. [21:28]

This show has been brought to you by Free Range Podcasting.

Some key points covered in this episode include the following:

• Following an entertaining difference of opinion between Bex and Simon about whether or not Simon had foreshadowed Ben Clift as their guest in this episode [00:53], Bex asks Ben to describe his role as a CAP Debt Centre Manager and what an average day looks like. [01:17]
• Ben explains that CAP is a national/international charity which operates on a significant scale but is also able to target support very effectively within communities as a result of being based in local churches. [02:41]
• Ben goes on to talk about the biblical principles behind CAP’s activities [04:43] and how that translates into practical support, especially in connection with the charity’s endeavours to assist people to overcome debt-related issues. [08:00]
• In response to a question from Bex, Ben provides information about the number of people who have been helped to become debt-free as a result of their contact with the debt centre in which he works. [10:05] He also speaks about the kinds of answers to prayer that people have experienced as a result of having shared their concerns, needs, aspirations etc with members of the CAP team. [11:24]
• A couple of questions from Simon prompt Ben to explain some of the practicalities in which CAP representatives become involved when helping clients deal with financial correspondence [13:23] and negotiations with debtors. [15:14]
• Ben talks about the fact that many people are experiencing an uncomfortable ‘squeeze’ as a result of the Cost of Living Crisis that has been precipitated by global factors (including the war in Ukraine), inflation pressures and political turbulence. [17:27]
• Simon explains that the ‘wealthy’ are not immune from being affected by an unbalanced budget and can certainly experience financial shock under the kinds of circumstances that are affecting so many people at this point in time. [19:37]
• Ben talks about the CAP Money Course, which is designed to provide people with money management skills that will help them to handle their finances effectively and wisely. [22:03]
• Bex asks Simon and Ben what they think that Jesus would say to people who are currently experiencing stress and turmoil as a result of financial pressures. [23:30]
• Responding to a question from Simon, Ben explains how people can get involved with CAP and support its work in a variety of different ways. [26:45] (NB Such is the nature of the world at present that the details of the Prime Minister [27:58] have changed between this episode being recorded and then published, with Rishi Sunak now having taken over that role from Liz Truss!)
• Information about Christians Against Poverty can be found at capuk.org, and feedback or questions regarding this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk or by contacting @whereyourtreasureispodcast on Instagram. [29:39]

Season 2 of ‘Where Your Treasure Is…’ resumes on 23 November.

This show has been brought to you by Free Range Podcasting.

Some key points covered in this episode include the following:

• Bex asks Simon for some tips on how to deal with major expenses that can wreck a budget, such as birthdays, Christmas, weddings and holidays. [00:41] As part of his response, Simon explains that, as described in the writings of JRR Tolkien, hobbits have an unusual but thought-provoking way of dealing with birthday presents. [02:18] Bex is prompted by Simon’s comments about the dangers of ever-increasing expenditure on presents to share how her family has reduced the number of presents that family members are expected to buy for each other. [03:27] Simon goes on to highlight the importance of having conversations about expectations for presents etc as that can assist individuals and families to avoid falling into practices that can ultimately exert unhelpful pressures upon them. [06:29]
• Thinking about the biblical reference to God giving good gifts to his children (Matthew 7.11 and Luke 11.13), Bex is prompted to reflect on the importance of expressing our love and appreciation to others in ways that are not dependent on money. [08:42]
• Simon outlines five principles for dealing with major expenses in a practical and manageable manner: (a) Anticipate expenses [12:53]; (b) Budget for this expenditure [13:54]; (c) Cut down on credit [16:09]; (d) Delayed gratification: paying in advance, where possible [17:52]; (e) ‘Extreme organisation’ – using a spreadsheet, for example, as a means of planning and tracking spending on presents [21:13]
• Bex and Simon develop further their discussion about alternative ways in which love and affection can be expressed [23:38], including reference to Gary Chapman’s book, , ‘The Five Love Languages’, [24:56], hand written notes from Bex’s mum [25:45] and a poetic tribute to mellifluousness! [27:56]
• Bex and Simon conclude by sharing some thoughts about approaching Christmas (a potentially major source of expense) in a thoughtful and outward looking manner that can change the way that we do things and what we focus on at that time. [28:49]
• Feedback on bonus episode content and format was invited and can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk or by contacting @whereyourtreasureispodcast on Instagram. [33:10]
• (NB A further bonus episode will follow on 16 November before Season 2 resumes on 23 November.)

This show has been brought to you by Free Range Podcasting.

Some key points of interest covered in this episode include the following:

• Simon defines investment as something that has an ‘expected return’ and illustrates this comment by examining whether or not various purchases (eg a car or a house) and financial strategies (putting money in the bank, acquiring shares or buying gold) meet the terms of that definition. [02:13]
• In response to a question from Bex about why we might want to invest, Simon outlines the way in which inflation can reduce the spending power of our money. Investing is a good way to combat that issue, especially as the effect of compound interest on invested money is to cause it to grow by a greater amount year on year. [09:15]
• When considering the options for long term investing, the stock market can be a good option as long as you don’t try to ‘ride the wave’ and attempt to pick ‘winners’ all the time. [13:40]
• Simon describes four key steps that should give investors the best chance of getting a ‘good return’: (1) Pick an investment that gives you access to as much of the stock market as possible [19:05]; (2) Invest in index funds that cover as many countries as possible [20:01]; (3) Pick as low cost a fund as possible [20:30]; (4) Remember that you don't need to put all your money for investing into the Stock Market [21:18].
• As ever, please contact us via whereyourtreasureis@freerangepodcasting.co.uk, or on Instagram via @whereyourtreasureispodcast. After a fortnight’s break, we will be back with a couple of bonus episodes and will then resume our current seasons with Life Stage 5: Career Progression. [23:01]

This show has been brought to you by Free Range Podcasting.

Some key points covered in this episode include the following:

• Bex and Simon quote various verses from the Old and New Testaments (Micah 4.4; John 14.2 & 14.23; Acts 2.46, 4.32-35 & 18.26; 2 Corinthians 5.1-2) to illustrate the importance placed on homes in the Bible. [00:25]
• It is noted, however, that the Bible also stresses the importance of not storing up treasures on earth. (Matthew 6.19) This prompts Bex to acknowledge that there is an inherent challenge involved in investigating the financial practicalities of buying your first home – as this episode aims to do – while maintaining a clear focus on biblical teaching and a faith-based perspective. [03:03]
• Simon starts off the discussion by providing some home ownership facts and figures, which demonstrate that people are currently finding it really hard in the UK to get their feet on the first rung of the property ladder. [03:15]
• Purchasing your own home may not be the right option for everyone, and Simon provides examples of some situations in which people might want to rent their accommodation rather than buying it. [06:00]
• There are, however, a number of advantages of buying your own home, which make it an appropriate and prudent option in many instances. [06:47]
• Once you have decided that you want to purchase your own home, you need to tackle two initial requirements: (1) to provide an appropriate deposit (2) to demonstrate that you can afford to pay off the loan (mortgage) that you will be taking out on your chosen property. [09:31]
• When deciding on the mortgage payments to which you are going to commit yourself, it is important to consider the whole picture. One point to think about is the length of time over which you are going to repay your mortgage. The shorter the term of the mortgage, the less money you will pay out overall… but your monthly payments will be higher. [11:34]
• Calculating your surplus income will help you to establish what is affordable in your situation. [13:40]
• Having a contingency plan in case interest rates go up over time is also important. For that reason, you might want to consider signing up to a fixed rate (rather than a variable rate) mortgage, especially if you can afford monthly payments that will allow you to take out one that will last for five years or more. [15:46]
• Because taking on a mortgage is a major financial commitment… and because life happens, Bex asks Simon to outline some ways in which we can respond if we encounter difficulties that place in doubt our ability to meet our mortgage payments. [18:53]
• If you would like to contact us with some feedback, questions or requests, please do so via whereyourtreasureis@freerangepodcasting.co.uk (email) or @whereyourtreasureispodcast (Instagram). Otherwise, please join us for next week’s episode, ‘Make Money Make Money’ (Episode 4 of the ‘Practical Financial Planning’ season), which will be all about investing. [20:44]

This show has been brought to you by Free Range Podcasting.

The following points are among those covered by Simon and Bex in their discussion:

• Simon explains that investment vehicles are ‘containers’ that have been created to ‘carry’ money in order to help investors gain positive returns on their money. [00:44]
• Two of the best known investment vehicles are pensions and ISAs (Individual Savings Accounts). Each of these can create benefits for an investor, especially as a result of the special tax arrangements that are a key aspect of how they each operate. [01:59]
• Pensions and ISAs have been deliberately created as tax efficient products, which means that they assist investors to grow their money by avoiding certain taxes which would otherwise apply to their savings. (Simon stresses that these arrangements are completely different from tax evasion, which is unequivocally illegal!) [03:43]
• Bex and Simon summarise the different tax arrangements for pensions and ISAs. [06:12]
• When considering whether a pension or an ISA is better for you, two key factors should be taken into account: (1) your objectives (2) the tax arrangements relevant to your situation. First of all, Simon examines the possible tax permutations. [06:56]
• The objectives of the investment are then considered, with Simon explaining that an ISA can be a great way to save for a deposit on a house, for example, while the primary purpose of a pension is to provide an income during retirement. [12:38]
• The LISA (Lifetime ISA) is highlighted as a particular kind of ISA that potentially has real benefits for anyone looking to use it to buy a first home. As long as the specific rules governing the LISA are followed, investors stand to gain from a 25% bonus that the government will add to their savings. [13:41]
• Following a summary of key points from Bex [18:15], Simon mentions three final points to note: (1) Generally, Cash ISAs tend not to have any significant, unique benefits for investors at the present time [18:30]; (2) If, for any reason, you need to invest more money than can be accommodated within an ISA, you could consider a General Investment Account, and it might also be worth investigating the option of seeking advice from a financial planner [19:32]; (3) Listeners to the podcast may have heard of Investment Bonds, but it would usually be expected that this option would be explored only after other investment vehicles have been fully utilised. [20:18]
• As ever, please contact us via whereyourtreasureis@freerangepodcasting.co.uk, or on Instagram via @whereyourtreasureispodcast. The next Season 3 episode will be on investment strategy; in the meantime, Episode 4 of Season 2 (Your First Home) will be published next week. [20:50]

This show has been brought to you by Free Range Podcasting.

• Simon and Bex introduce their comments on payslip deductions by making some observations on tax, including some examples of occasions when tax is mentioned in the Bible. [02:01]
• In response to a question from Bex, Simon explains why income tax and National Insurance are collected separately by the Government. [04:12]
• With the aim of helping listeners to understand their payslip and the salary deductions that are made, Simon talks about the Personal Tax Allowance and explains that wages and tax are scheduled evenly over the tax year, which runs from 6th April in one year to 5th April the following year. [05:51]
• The rate of tax to be paid depends on the annual salary but there are also some regional variations, affecting Scotland, in particular. [10:25]
• The amount and nature of National Insurance contributions are explained. [13:35]
• Pension deductions also have to be taken into account before the final amount of ‘take home pay’ can be calculated. [16:08]
• The figures are calculated for a worker earning £22,570 per year / £1880 per month:

1. The tax to be paid is £1,774.30 for the year (£2,000 minus £225.70, saved on pension payments).
2. National Insurance contributions will be £1,3324.20.
3. And the pension contributions will be £1,128.50 for the year.
4. So, the total deductions for the year are £4,227.
5. The overall net (‘take home pay’) pay per year is therefore £18,343.
6. And the monthly amount actually received by the worker, as recorded on their payslip, is £1,528. [19:03]

• Simon then highlights the fact that other expenses and payments can be included in payslips as time goes on. The crucial point to note, however, is the importance of checking (at least annually) that you understand your payslip and are confident that you are receiving the expected amount of pay and are making correct income tax and National Insurance etc payments. You are responsible for ensuring that these payments are correct, so it is vital that you get into the habit of checking the figures in order to avoid issues arising at a later date. [21:08]
• The next episode in the ‘Key Life Stages’ season will be ‘Buying Your First Home’ while the next ‘Where Your Treasure Is…’ episode to be published (next week) will be all about ISAs (Individual Savings Account). As usual, please get in touch with us through whereyourtreasureis@freerangepodcasting.co.uk, or on Instagram via whereyourtreasureispodcast. [23:27]

This show has been brought to you by Free Range Podcasting.

Some key points of interest covered in this episode include the following:

• Simon introduces the topic of pensions and explains the ages at which they can become available. [01:53]
• Simon goes on to describe the three different types of pensions that are available: State Pension [04:25]; Occupational Pensions, which are divided into final salary defined benefit schemes [06:00] and career average schemes [07:18]; and Personal Pensions [08:35]
• The importance of learning about, and understanding, pensions sooner rather than later is highlighted. [10:11]
• Simon draws attention to the fact that the tax arrangements that apply to pensions make them a very effective way of saving money. He goes on to provides examples including some figures and explaining that by paying money into your employer’s pension scheme, you not only gain from money going into your pension pot that would normally be taken away in tax, you also benefit from a significant contribution to your pension fund by your employer. In addition, the arrangements for withdrawing money from your pension (once you have reached the required age) are also beneficial, for example because 25% of your pension money can be taken out without paying any tax. [12:04]
• Simon talks about the two main issues that can stop people embracing the opportunities and advantages available through pensions: their complexity; and people’s previous experience of them (especially before 2015). [19:15]
• Simon refers to Numbers 8.24-26 when speaking about retirement: ‘This applies to the Levites; men twenty-five years old or more shall come and take part in the work at the tent of meeting, but at the age of fifty, they must retire from their usual duties and work no longer. They may assist their brothers in performing their duties in the tent of meeting, but they themselves must not do the work.’ He suggests that the biblical view of retirement is not that it should be one long holiday but that it can provide an opportunity to serve God in new and different ways. [23:51]
• As ever, please get in touch with us through whereyourtreasureis@freerangepodcasting.co.uk, or on Instagram via whereyourtreasureispodcast. In Season 3 Episode 3, we will be digging into the only other type of investment product that most people will ever need: the ISA, or Individual Savings Account. We hope that you will join us then. [25:08]

This show has been brought to you by Free Range Podcasting.

Some key points of interest covered in this episode include the following:

• Simon explains that he will be considering three key elements in this episode: joint finances; children; and hybrid families. [00:52]
• In response to a question from Bex, Simon talks about the importance to family life of couples discussing financial issues and goals so that they can jointly plan and manage their use of money, even if they each have different roles within that process. Simon’s comments on this topic include a quotation from Gary Chapman’s book, Things I Wish I'd Known Before We Got Married [01:52]
• Simon describes some of the financial consequences that have been identified in connection with having children. [05:51]
• Mention is made of some options that are available for saving or investing on behalf of a child. [08:11]
• Various family related financial planning priorities are identified, including the importance of wills, insurance, Power of Attorney arrangements and discussing money matters with your children. [12:12]
• Communication is also a key factor as far as hybrid families are concerned, and it is suggested that, within that context, a trusted friend or relative can sometimes provide helpful input. Financial issues that can arise in connection with elderly parents are also mentioned. [14:20]
• When making some concluding remarks, Simon highlights how complicated and challenging it can be to try to apply the principle of fairness to money matters affecting our children. [17:45]
• The next episode in the Key Life Stages season will be ‘Your First Job’ while the next episode to be published (in a week's time) will be ‘Your Longest Holiday, on the subject of Pensions, in the Practical Financial Planning season. [20:19]

This show has been brought to you by Free Range Podcasting.

Some key points of interest covered in this episode include the following:

• Simon explains that the practicalities of financial planning need to be preceded by a process of setting clear objectives and goals. [01:45]
• Simon uses a spot of role play to illustrate the importance of drilling down into the underlying reason(s) for the financial planning decisions that we make. [02:39]
• Simon provides an example of a practical financial planning goal – saving for a family holiday – arising from a life objective of showing love and care for one’s family. [06:10]
• Mention is made of various ways of keeping track of money in order to achieve a financial planning goal that has been set. [08:58]
• Overall, the aim is not to reduce every life objective to a financial goal, but to ensure that every financial goal is linked to a life objective, as Simon demonstrates with a number of examples. [12:47]
• Bex asks Simon what difference it should make to our decision-making that the Bible tells us that 'the earth is the Lord’s and everything in it' (Psalm 24.1) and that we are called to be good stewards of what God has given us. [14:25]
• Simon responds to a question from Bex about how to deal with both a deficit and a surplus in our personal finances. [16:29]
• Simon concludes by providing examples of ways in which we can use money positively, as a tool. [18:44]
• Season 3 Episode 2 will cover the topic of Pensions. As ever, contact can be made with us through whereyourtreasureis@freerangepodcasting.co.uk, or on Instagram via @whereyourtreasureispodcast. [21:04]

This show has been brought to you by Free Range Podcasting.

A good understanding of biblical principles, clarity of purpose and effective budgeting are identified as key elements that will help individuals to steward responsibly the money and resources given to them by God.

Some key points of interest covered in this episode include the following:

• In response to a question from Bex, Simon explains the vital importance of starting with the bigger picture, your values and objectives before investigating any financial practicalities. [02:51]
• Simon goes on to highlight the importance for the Christian of setting a course from the outset which is based on biblical references to money, such as the advisory warning contained in 1 Timothy 6.10: ‘For the love of money is the root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs.’ [05:06]
• Simon gives examples of the benefits of setting spiritual objectives and then considering how best to use money to achieve those goals, rather than allowing money to become a goal in itself. [06:36]
• Simon provides some personal examples of setting priorities and making decisions that have guided his money habits over the years. [10:03]
• When moving on to the practicalities of managing money wisely, Simon emphasises how helpful it can be to develop a well considered, realistic and personalised budgeting strategy. [13:27]
• Debt is described as being ‘the opposite of budgeting’ and it is noted that sometimes debt issues need to be addressed directly and fully before meaningful progress on a financial planning journey can be made. Expert professional help is available, if required, and Simon would highly recommend the support and services provided by two Christian charities, CAP and Crosslight. [18:58]

Please feel free to send feedback or questions to us via email at whereyourtreasureis@freerangepodcasting.co.uk or on Instagram to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

Season 2 starts on 31st August and will cover eight Key Life Stages, exploring the main financial decisions and actions that need to be considered in each phase.

Season 3 will provide a deeper dive into Practical Financial Planning, and its first episode will arrive on 7th September. Topics covered will include understanding pensions and ISAs, how to model your financial future, and why and how you might want to invest.

As ever, feedback, questions and requests can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk or by sending a message on Instagram to @whereyourtreasureispodcast.

This show has been brought to you by Free Range Podcasting.

Seven aspects of creating a podcast are covered, as follows:

1. To produce a podcast, you need sound, and to produce sound you need a microphone (preferably one that is switched on). [02:40]
2. To hear the sound produced during a recording, you need headphones (preferably a set that don't require pressure to be applied to an electrical connection in order to work). [03:36]
3. Audio software settings also need to be mastered if good quality sound is to be produced. [05:01]
4. A very distinctive element of audio recordings and podcasting is the need to neutralise the risk of sounds such as plosives and sibilance creating an unpleasant listening experience. [07:23]
5. The technical issues aren't restricted to equipment and software, however. The brain also needs to be engaged. [08:00]
6. And once recording has begun, an alert brain continues to be important if lapses in concentration and delivery are to be avoided. [09:44]
7. The importance of keeping "the main thing the main thing" is emphasised, particularly as far the show's email address and the name of the show are concerned. [13:08]

• Finally, and in the spirit of the rest of the episode, three top tips for navigating the podcasting journey are shared! [15:23]

• Simon explains the nature of his recent trip to Poland to deliver humanitarian aid and how he became involved in it. [00:35]
• When asked how this trip ties in with some of the content covered in the ‘Where Your Treasure Is…’podcast, Simon speaks about the engagement with a cause that can arise from giving to it. [05:35]
• Replying to a question from Bex, Simon talks about the different ways in which we can give. [10:16]
• Simon makes comments in response to a question about how we can decide what we should give in particular situations. [15:13]
• Simon talks about the arrangement that his business has adopted in order to ensure that each person in the team can give time to others on an annual basis. [17:22]
• Simon concludes by suggesting that there is a ‘grace of giving’ which means that when you participate in a practical way in a ‘giving’ activity, it is likely to have benefits for you, your community and your relationship with God. [20:09]

The following points are among those covered by Simon and Bex in their discussion:

• Simon starts off by referring to the Parable of the Talents (Matthew 25.14-18) - also known as the Parable of the Bags of Gold - to illustrate the fact that the Bible describes money as a tool which needs to be used well. [01:12]
• However, Simon also goes on to acknowledge that our attitude towards money can be a major obstacle to faith, as can be seen from Jesus’s comment that, “It is easier for a camel to go through the eye of a needle than for someone who is rich to enter the kingdom of God” (Matthew 19.24; Mark 10.25); this point of view is reinforced by a passage in 1 Timothy 6 (verses 9-11), which includes the statement, “the love of money is a root of all kinds of evil”. [04:09]
• Bex asks whether investing money is therefore incompatible with the Christian faith because its aim is to increase how much money a person has. Simon responds by suggesting that the key issue is a person’s attitude, with generosity and obedience to God being crucial, as illustrated by 1 Timothy 6.17-19, with its exhortation to “those who are rich in this present world” to “be generous and willing to share”. This principle is reinforced in Acts 4.34-35, which describes an ongoing pattern of generosity: “from time to time those who owned land or houses sold them, brought the money from the sales and put it at the apostles’ feet, and it was distributed to anyone who had need.” [05:15]
• Simon also mentions that the Bible indicates that it is right to provide for our families (both now and in the future) but, again, the crucial point is to ensure that wealth and money do not get in the way of following God. [06:54]
• Moving on from the theological perspective to practical matters, Simon explains that his aim is to provide a framework for understanding how we can, and why we should, put our money to work by investing it. The points that he covers when outlining this framework are as follows: Inflation [08:14]; Bank Accounts [09:52]; Shares and Shareholders [11:27]; and Pensions. [13:30]
• Simon then goes on to explain the following key terms and factors that are important to understand in connection with Investing: Asset Classes [15:16]; Tax Wrappers (including ISAs and salary sacrifice arrangements) [18:07]; Investment Funds (including the principle of diversification, to which there is a reference in Ecclesiastes chapter 11!) [20:55]; Risk [21:48]; Time [22:57]; Cost and Fees. [24:01]
• Bex notes that the points covered in this episode will be taken up and expanded in one of the two new podcast seasons that will be running after the break being taken over the summer: Season 2 will go into greater detail on matters relating to financial planning for each key life stage, with an episode being devoted to each life stage, while Season 3 will focus on practical tasks associated with financial planning. [24:55]

Thank you for listening to Season 1 of ‘Where Your Treasure Is…’

We will be back after a short break, but look out for at least one bonus episode from us in the meantime!

Points of particular significance that are covered in this episode include the following:

• Having concentrated last time on the first life stage (‘Starting Out’), Simon begins by considering issues associated with ‘Starting a Family’, whether that be establishing a lifelong relationship or having children. [01:29] He highlights the fact that the arrival of children can be a good reason to review matters associated with the principle of protection. [03:09]
• Understanding tax, budgeting for a surplus, pensions and investing are among the topics covered when commenting on the third life stage, ‘Your First Job’. [04:21]
• When discussing the fourth life stage, ‘Your First Home’, Simon considers property matters ranging from personal priorities for a home to affordability considerations, including the benefits of adopting a cautious and pragmatic approach to buying a home and moving house. [12:30]
• Simon suggests that it is worth spending time thinking about protection, pensions, building an effective saving habit and investing during the fifth life stage, ‘Career Progression’. [16:07]
• When speaking about life stage six, ‘Getting Ready for Retirement’, Simon gives the following tips: (i) get organised and gather together all of the relevant information (ii) check your state pension (iii) make specific plans regarding how you want to spend your retirement (iv) aim to make the financial transition to retirement as smooth as possible (eg by bolstering your pension during the final 5-10 years when you are working). [20:07]
• Talking about ‘Retirement’ itself, Simon highlights the importance of checking carefully all of your pension and national insurance details, as well as prioritising your health. [23:21]
• The final life stage, ‘End of Life Planning’, involves not only putting your affairs in order but also simplifying your finances, leaving behind clear information (including a will and power of attorney arrangements) and considering whether you wish to, and are able to, make some financial gifts while you are still alive. [24:55]
• The episode concludes with an explanation of the two new seasons that will be launched, following a break after the conclusion of season 1. One season will go into greater detail on matters relating to financial planning for each key life stage, with an episode being devoted to each life stage; the other season will focus on practical tasks associated with financial planning, with the aim of making topics accessible and relevant for listeners. The final episode of the current, introductory season will be ‘Investment Strategies’, which will look at some essential points that can assist people to invest wisely. [28:06]

Foundational principles are explored by considering the situation faced by those who are starting out on their financial journey, but those principles are generic and are relevant for listeners whatever their life stage may be.

Specific points of interest covered in this episode include the following:

• The podcast has attracted a wide audience from all stages of life, so the aim of this episode is to identify some key principles that will be relevant and useful for listeners regardless of the particular stage that they have reached in their own financial journey. [01:00]
• Simon refers to the acronym PEPSI to identify the generic principles that can be used to assess our financial needs and priorities at each stage of life: Protection; Emergency Fund; Pension, Savings, Investment [03:25]
• It is noted that while debt management does not appear as a category in its own right, it is an important “thread” that runs through all life stages and requires appropriate attention to avoid issues arising. [04:18]
• Simon explains the meaning of ‘Protection’ in a financial planning context. [05:53]
• Bex provides a list of eight life stages that each have their own distinct financial circumstances and would therefore benefit from having the five core principles applied to their specific needs and priorities. [06:23]
• Simon describes the first group identified by Bex: individuals who are “starting out’ on their financial journey. [07:09] He then goes on to analyse the relevance and usefulness of each element of the PEPSI approach to their situation: Protection [07:51], including a discussion about what a Christian’s attitude should be towards Insurance [10:23]; Emergency Fund [13:52]; Pension, Savings and Investment [17:23]
• Simon provides some closing observations that he hopes will be helpful for each of us as we endeavour to take forward our own financial journeys well. [19:55]
• The next episode of ‘Where Your Treasure Is…’ will continue the financial planning theme, covering the remaining key life stages and applying the PEPSI principle to them. [21:25]

Some key points of interest covered in this episode include the following:

• Initially, a quick recap of Part 1 of this topic is provided. [01:02]
• Some points to consider regarding bank overdrafts are put forward. [02:49]
• When discussing credit cards, it is acknowledged that they can be useful, but Simon suggests that they should be treated with caution and an awareness that they can prove problematic if they are not managed carefully. [04:37]
• Bex and Simon talk about various kinds of loans, and issues associated with them, [09:14] before Simon goes on to remind listeners of the two key questions to ask when considering the possibility of taking on any kind of debt. [11:31]
• Specific points relating to student loans are considered. [12:33] Simon highlights the fact that we are our own most valuable financial asset (because of our ability to work, earn money etc), so it can be a “good debt” to invest in our education, health and personal development. [14:51]
• Bex asks Simon about “buy now, pay later” arrangements (including those offered online by Klarna) and whether we should consider them to be good or bad debt options. [17:06]
• Simon talks about ‘snowballing’ approaches to paying off multiple debts. [19:56] If, however, attempts to manage debt are unsuccessful, very helpful information and advice can be provided by Christians Against Poverty and Citizens Advice [23:35]
• In next week’s episode of ‘Where Your Treasure Is…’, the topic under discussion will be ‘Financial Planning for Key Life Stages’. [24:30]

A key theme running through the show is the importance of being able to distinguish between “what we need” and “what we want”.

Some key points of interest covered in this episode include the following:

• In response to a question from Bex, Simon explains why he has chosen to call the episode ‘Negative Money’ rather than ‘Debt’. [00:48]
• Bex asks Simon what kinds of financial transaction he would include under the heading of ‘Negative Money’. [01:48]
• As his starting point for opening up a discussion about debt and borrowing, Simon comments on the Shakespearean quotation: “Neither a borrower nor a lender be”. [02:50]
• Simon highlights the following verses from the Bible which mention debt and borrowing: Deuteronomy 15.1-15; Proverbs 22.7 (“The rich rule over the poor, and the borrower is slave to the lender”); Romans 13.8 (“Let no debt remain outstanding, except the continuing debt to love one another, for whoever loves others has fulfilled the law.”) [04:55]
• Three key principles arising from biblical teaching on debt are identified: try to avoid getting into debt; if you are in debt, try to get out of it as soon as possible; if you can make a payment to reduce or remove debt, do so. [06:44]
• Bex comments that it is virtually impossible to avoid debt in contemporary society and asks Simon whether all debt is bad. [08:19]
• Simon talks about mortgages as a means of considering issues raised by a couple of key questions: Does God want me to borrow money in certain circumstances? Can there be such a thing as a “good debt”? [09:43]
• Bex asks Simon to apply the “good debt” principles that he has identified to another significant purchase: buying a car. [13:54] As part of his response, he highlights the importance of recognising the difference between “what we need” and “what we want”. [14:59]
• Affordability (in this case, of a debt rather than of an item being purchased) is identified as another key point that needs to be taken into account in this area, along with the associated “risk and reward” considerations. [18:44]
• However, even if careful decision making has taken place, with the aim of managing any possible risks, financial shocks can still happen. In such instances, Christians Against Poverty and Citizens Advice can be invaluable sources of information and advice. [22:09]
• The next episode of ‘Where Your Treasure Is…’ will continue the theme of ‘Negative Money’, including some thoughts on how to get out, and then stay out, of debt. [23:53]

Key points that are covered in this episode include the following:

• Bex invites Simon to share his thoughts about tithing, a topic which can prompt a fair amount of debate among Christians. [03:09] Bible verses to which he refers when discussing the principles behind tithing, and how we should interpret them, include the following: Matthew 23.23 where Jesus endorses tithing but stresses that it must be accompanied by principled living and a focus on justice and mercy [07:24]; Mark 12.41-44 (the widow’s offering) as an example of proportionate and sacrificial giving [08:10]; 1 Corinthians 16.1-2 to highlight the importance of planned and regular giving [09:32]; and 2 Corinthians 9.6-13 as a passage that draws attention to the joy and blessing that is widely experienced when God’s people are generous in their attitudes and behaviour. [10:56]

• Simon comments that much of what he has been saying can be summarised as follows: “It's not about how much we give but about what we do with the how much that we have been given." [13:01]

• Simon explains the practices that he has adopted in this area in the hope that they will provide listeners with a helpful starting point for their own reflections on the topic. He covers the following points: (1) To whom should we give? [13:59]; (2) When should we give? (Part 1 – in general terms) [15:11]; (3) When should we give? (Part 2 – dealing more specifically with the practicalities of regular giving) [16:38] (4) How should we give? (Part 1 - the benefits of a standing order) [17:32]; (5) How much should we give? [19:18]; (6) How should we give? (Part 2 – the advantages of Gift Aid) [21:55]; (7) How can we factor in irregular giving? [24:14]; (8) How can we involve our family in this area? [25:10]

• In response to a question from Bex, Simon provides some thoughts on how people might start giving if this is something that they haven’t done before and they are finding the issue quite daunting. [20:27]

• Simon indicates that he is very happy to take queries and requests for further information from listeners on this topic. This can be done by emailing whereyourtreasureis@freerangepodcasting.co.uk [26:26]

• We would love you to join us for the next episode of ‘Where Your Treasure Is...’, when our theme will be 'Negative Money', covering topics such as Debt, Loans, Credit Cards, Overdrafts, Mortgages and Buy Now Pay Later. [26:58]

Key points that are covered in this episode include the following:

• In response to a question from Bex, Simon identifies three elements that are at the heart of his endeavours to be faithful to God in the way that he deals with his finances: faith, family and philanthropy. [00:53]

• He goes on to explain what he means by ‘philanthropy’. [01:36] (NB Despite describing his core values as the three ‘F’s, Simon does know how to spell ‘philanthropy’. 😉)

• Simon observes that while the composition of the foundations of faithful finance are likely to differ from person to person, the faith aspect – our relationship with God – should always come first. He uses the following Bible verses to illustrate that point: “To obey is better than sacrifice” 1 Samuel 15.22; “Woe to you, teachers of the law and Pharisees, you hypocrites! You give a tenth of your spices – mint, dill and cumin. But you have neglected the more important matters of the law – justice, mercy and faithfulness. You should have practised the latter, without neglecting the former.” Matthew 23.23 [03:16]

• Simon provides thoughts on the relationship between faith and finance, which can be very challenging in this day and age when money is given such prominence. [07:06]

• Simon goes on to speak about the challenge of giving family its rightful place as one of his priorities when it can be so easy to persuade yourself that establishing financial security for your family is the best way of achieving that goal. [08:20]

• It is acknowledged that not everyone will have philanthropy as one of their personal, faith-related, financial priorities, with Simon explaining that he regards it as a specific and particular ‘gift’ entrusted to him by God, along the lines outlined in Roman 12.6-8: “We have different gifts, according to the grace given to each of us. If your gift is prophesying, then prophesy in accordance with your faith; if it is serving, then serve; if it is teaching, then teach; if it is to encourage, then give encouragement; if it is giving, then give generously; if it is to lead, do it diligently; if it is to show mercy, do it cheerfully.” [10:55]

• Simon lists five foundations of faithful finance that are applicable to everyone and will be explored in future episodes: Budgeting [14:08]; An Emergency Fund [15:48]; Compound Interest [16:47]; Protection [18:33]; Pensions [20:20]

• Four more topics will be covered during this first season: Giving; Negative Money; Life Stages in Financial Planning; and Investment Strategy. These themes will also be developed in future episodes, with Season 2 concentrating on the Life Stages strand. [22:34]

• The priority, however, continues to be to provide content that is genuinely useful to our listeners, so please contact us at whereyourtreasureis@freerangepodcasting.co.uk with any feedback, requests, queries or suggestions. [24:00]

• You are warmly invited to join us for the next episode of ‘Where Your Treasure Is...’, which will focus on Giving. [25:26]

Points that may be of particular interest in this episode include the following:

• In response to a question from Simon, Bex provides two examples from the Bible of references to planning involving finances: (1) Jesus’ illustration of the need to calculate the overall costs before starting to build a tower, Luke 14.28-30; (2) the Parable of the Rich Fool, Luke 12.16-21 [01:36]
• Simon explains that although the passages seem to be at odds with each other, they make sense when interpreted in context: one is highlighting the need to count the cost before undertaking a venture; the other is warning of the dangers of greed and placing trust in wealth and possessions. In a broad sense, they each deal with financial planning issues but, in each instance, they do so in a distinctive, specific manner which needs to be understood in its own right. [03:13]
• Simon provides an overview of what financial planning is, going on to comment that it can enable us to use today’s money to meet not only today’s needs but also the needs that we (and possibly others linked to us) may have in the future. [04:59]
• Simon comments that financial planning does not start with money! Instead, it begins with a clear understanding of what we consider our purpose in life to be and what our priorities are. [06:37]
• Simon talks about a common purpose that he thinks that all Christians share: to worship and glorify God. He then goes on to outline specific purposes to which he feels that God has called him, such as devoting himself to his marriage, family and relationships, and also using his financial skills to create wealth so that it can be passed on to others. [08:19]
• It is recognised that not everyone will be absolutely clear about all aspects of their purpose and priorities in life; financial planning is, nevertheless, relevant and important for all of us because it can help us to explore the relationship between our faith and our possessions, prompting us to consider how we can become the best possible stewards of what we have. [10:03]
• Simon observes that the type of financial planning that we do depends on our stage in life. Whatever our circumstances, though, Simon would encourage us to have open and natural conversations about money. [12:26]
• Simon explains the difference between financial planning and financial advice. The former continually bears in mind the overview of an individual’s finances, taking into account their values, principles and priorities; the latter adopts a more ‘technical’ approach, concentrating on the practicalities of how to set up effective financial processes, where to invest etc. [17:05]
• Simon goes on to comment that it is generally better to get some kind of assistance and external input when dealing with matters relating to financial planning and advice but stresses that, much of the time, this does not need to come from experts. Conversations with others and reference materials (including podcasts!) can be very helpful in this area. This topic will be developed in future episodes but, as an example of the way in which financial matters can be simplified, Simon mentions that a work pension and an ISA can meet the core needs of most people in the UK. [18:18]
• When asked who should use a financial planner, Simon comments that large and complex financial arrangements may require that kind of input and that it can also be very helpful when planning for retirement. [20:09]
• However, everyone can undertake basic and important financial planning that will give them a good foundation for managing their money. The earlier that people can start doing this the better [21:11]
• How often should a financial plan be updated? [22:11]
• And how do we make a plan resilient so that it can cope with unforeseen circumstances? [23:47]
• For anyone who is in the category that Simon mentions of looking for assistance in response to finding themselves in financial difficulties [26:25], Simon would highly recommend seeking advice from Christians Against Poverty (https://capuk.org/), who also run a very practical CAP Money Course, which could be relevant and helpful for anyone.

Links

Christians Against Poverty: https://capuk.org/

CAP Money Course: https://capuk.org/i-want-help/courses/cap-money-course/introduction

Key points covered include God being the creator and owner of all things, with our role being one of stewardship: to be wise, faithful and responsible managers of the wealth and possessions entrusted to us.

Specific points of interest in this episode include the following:

• Simon starts by observing that the Bible has a great deal to say about money, referring to it in many different contexts and highlighting regularly its relevance and significance for us. [01:04]
• The aim of this episode is to provide an overview of key themes relating to money that are mentioned in the Bible in order to establish a foundation for topics that will be covered in greater depth in future episodes. [02:41]
• The first key theme is that God is the creator and owner of all things. Bible verses: “The earth is the Lord’s, and everything in it” Psalm 24.1; “To the Lord your God belong the heavens... the earth and everything in it” Deuteronomy 10.14; the Parable of the Talents, Matthew 25.14-30; “Everything comes from you, and we have given you only what comes from your hand” 1 Chronicles 29.14; “Who has ever given to God, that God should repay them? For from him and through him and for him are all things.” Romans 11.35-36; “But seek first his kingdom and his righteousness, and all these things will be given to you as well.” Matthew 6.33 [03:33]
• ‘Stewardship’ seems to best describe the biblical relationship between mankind and money: God delegates authority and responsibility to us for what he has given us but also holds us accountable for the way in which we do that in practice. Bible verses: “The highest heavens belong to the Lord, but the earth he has given to the human race.” Psalm 115.16 (see also Genesis 1.28 and Psalm 8.6); the Parable of the Talents, Matthew 25.14-30; “From everyone who has been given much, much will be demanded; and from the one who has been entrusted with much, much more will be asked.” Luke 12.48; "For we must all appear before the judgement seat of Christ, so that each of us may receive what is due to us for the things done while in the body, whether good or bad." 2 Corinthians 5.10 [06:17]
• Simon explains that he has drawn heavily from Mark Lloydbottom’s excellent book ‘Blueprint: Reflections on Money, Wealth and Possessions’ when identifying themes to be covered in the podcast. [10:01]
• The Bible’s attitude towards debt is explored, highlighting some of the implications of being in debt and possible responses to being in that situation. The discussion also considers briefly the nature of ‘debt’ in modern society and some of the different ways in which it is handled. [10:39]
• For anyone for whom debt is a current issue, Simon would highly recommend seeking advice from Christians Against Poverty (https://capuk.org/), who also run a very practical CAP Money Course, which could be relevant and helpful for anyone. [15:01]
• Honesty runs through the Bible as a key principle, which can be challenging in modern society where we can often be tested on matters of integrity relating to financial matters. [15:43]
• Another key biblical principle is the importance of generosity and giving to others. It can be hard for us to get our heads fully around what the Bible says about giving; in addition; it is not always an easy topic to discuss in a church setting. It is, nevertheless, of crucial importance, especially as – through ‘the grace of giving’ - it can be a means by which blessings can be experienced not only by the recipients of gifts but also by those who give. [19:07]
• Contemporary financial topics – such as saving options and investments – will be covered during the podcast. In addition, matters relating to retirement – a concept that does not feature strongly in the Bible – will be discussed against a backdrop of established biblical principles and priorities. [24:30]
• The Bible also covers topics such as budgeting, financial planning, teaching our children about money, taxation and lifestyle – these will also be explored with the aim of helping listeners to develop a clear understanding of modern financial planning, supported by a strong biblical foundation. [25:24]
• The next episode will focus on Financial Planning. [27:18]

Links

Mark Lloydbottom: ‘Blueprint: Reflections on Money, Wealth and Possessions’

Christians Against Poverty: https://capuk.org/

CAP Money Course: https://capuk.org/i-want-help/courses/cap-money-course/introduction

Overall, the healthiest approach that we can take in this area is to look to God as our Provider first and foremost rather than focusing attention on money in its own right, which is likely to lead to worry and a sense of dissatisfaction.

Specific points of interest in this episode include the following:

• Simon explains the history of money and comments that it originally used items, such as gold, that were regarded as possessing their own intrinsic value and could therefore be used as a medium of exchange. [02:36]
• In the modern world, however, money has developed more into a ‘promise’ which is usually processed in a digital manner rather than existing in a physical format. [04:46]
• Our attitudes to, and appreciation of, money can be affected by the fact that it has become a fluid concept and can often be ‘virtual’ in form when we encounter it. [06:47]
• Education and experience are important in helping us to understand how money works. [08:38]
• Simon talks about the emotion around, and the ‘value’ of, money, noting that the Bible comments regularly on the significance and impact of our habits and attitudes in this area. [09:49]
• Bex gives the story of the Rich Young Ruler (Matthew 19: 16-30; Mark 10: 17-31; Luke 18: 18-30) as a biblical example of someone who put his trust in the wrong place. [10:48]
• Simon observes that people can find that money on its own does not necessarily fix major concerns in life, such as health and relationships, and that is why this podcast explores what we should value as ‘treasure’, and how our money and possessions should then fit into that perspective. [11:38]
• Simon speaks about using money as a tool to support our own values and priorities rather than focusing on it as an end in itself. [14:04]
• Simon asks Bex about her purpose in life to illustrate a key issue underpinning the choices that we make in connection with our use of money. [16:07]
• Bex observes that widely varying attitudes towards money can be prevalent in churches and asks Simon for his thoughts on that point. [18:31]
• Simon comments that there are basic principles that are important when trying to arrive at a biblical understanding of how we should deal with money. The first is recognising that God owns all things and that everything we have is a gift from Him. (Psalm 24:1  “The Earth is the Lord’s and everything in it.”) [20:11]
• The second principle is Stewardship, the idea that we don’t actually ‘own’ our money and possessions; instead, we look after and manage them on behalf of God. [21:11]
• Thirdly, there is the Trust and Test principle, which prompts us to be faithful and conscientious in the manner in which we handle any wealth or possessions entrusted to us by God. [22:31]
• Simon concludes by highlighting the fact that the Bible talks about worry being the outcome when people make money their focus. Instead, the best foundation for developing good practices and attitudes in our personal finances is to look to God, first and foremost, as our Provider. [24:38]
• Feedback, comments and questions are invited from listeners, who can direct emails to whereyourtreasureis@freerangepodcasting.co.uk. [25:58]
• The next episode will explore what the Bible has to say about money. [26:39]

Podchaser Reference Code:

Qf9qwIBwDv5z04yPvmTE

In this introduction to the show, co-hosts Simon Glazier and Bex Elder pose some initial questions for listeners to set the scene, before going on to introduce themselves: Simon is an award-winning financial planner who now runs his own business while Bex is a freelance writer and translator who also works one day per week for her church as its Assistant Youth Pastor.

Simon concludes the trailer by explaining that he and Bex will be exploring financial principles that they see in the Bible and will be discussing how these can be applied to our lives and financial situations.

The show launched on Wednesday 11 May 2022, with subsequent episodes appearing weekly, apart from when short breaks are taken between seasons.

For more information, please follow us at https://where-your-treasure-is.captivate.fm/ and https://www.instagram.com/whereyourtreasureispodcast/or contact us at whereyourtreasureis@freerangepodcasting.co.uk

This show has been brought to you by Free Range Podcasting.