'Where Your Treasure Is...': The Podcast where Faith and Finance Meet

In the fourth episode of this ‘Family Matters’ season, Simon and Bex discuss various financial matters that can arise from our interactions with members of our wider family.Some key points of interest covered in this episode include the following: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]A sensible starting point, as so often with financial planning, is to know the nature and extent of your own resources. [04:05]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]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]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]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]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]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

In the third episode of this ‘Family Matters’ season, Simon and Bex discuss various financial matters that can arise from the interactions that we have with our parents, especially later on in life.Some key points of interest covered in this episode include the following: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]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]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]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]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]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]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]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]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]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...

In the second episode of this ‘Family Matters’ season, Simon and Bex discuss various financial matters that arise in connection with having children.Some key points of interest covered in this episode include the following: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]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]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]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]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]Simon talks through the pros and cons of taking on debt through loans, with a particular focus on student loans. [11:47]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]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]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]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]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....

In the first episode of this ‘Family Matters’ season, Simon and Bex discuss various financial matters that have particular relevance and significance for spouses and romantic partners who are in committed, long-term relationships.Some key points of interest covered in this episode include the following: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]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]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]Bex mentions that CAP (Christians Against Poverty) run excellent budgeting courses for individuals or couples looking to acquire skills in that area. [11:00]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]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]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]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]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: a...

In the second bonus episode of this ‘Good with Money’ season, Stew Denholm, Relationship Manager at Bank of Scotland, speaks in a personal capacity about banks, their role in our lives and the ethical principles that underpin best banking practice.Some key points of interest covered in this episode include the following:Stew introduces himself and talks about his Christian upbringing. [01:13]Stew then goes on to describe how he became involved in the banking sector. [03:43]In response to a question from Simon, Stew explains the nature of his role, working on financial projects with healthcare professionals. [06:19]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]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]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]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]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]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]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

In the first bonus episode of this ‘Good with Money’ season, Caralyn Nolan, a former Insolvency Accountant, shares thoughts about the issues created by out of control debts and some ways of dealing with the difficult situations that they create.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

In the final episode of this ‘Good with Money’ season, Simon and Bex discuss how we can ‘be good with money’ and ‘do good with money’ when dealing with various family-related financial topics.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

In Episode 7 of this ‘Good with Money’ season, Simon and Bex discuss the different kinds of ‘Insurance’ that are available and what our attitude to them should be.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

In Episode 6 of this ‘Good with Money’ season, Simon and Bex discuss how we should navigate the issue of debt on our money journey.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...

In Episode 5 of this ‘Good with Money’ season, Simon and Bex discuss what our attitude towards taxes should be.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:

In the fourth episode of this ‘Good with Money’ season, Simon and Bex talk about the key role that pensions can play in assisting us to manage our money well, right through to the end of our lives.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

In the third episode of this ‘Good with Money’ season, Simon and Bex talk about when and why ‘Investing’ may be worth considering in the context of our personal finances.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

In the second episode of this ‘Good with Money’ season, Simon and Bex talk about the advantages of including ‘Saving’ as a core element of the way that we manage and use our personal finances.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

In the first episode of this ‘Good with Money’ season, Simon and Bex talk about ways in which budgeting can help us get off to a great start if we want to be good with money and also to do good with our money.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

In the final episode of the ‘Money and Me’ season, Simon and Bex put money into its proper perspective, discussing a number of ways in which there is more to life than money. 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

In Episode 7 of the ‘Money and Me’ season, Simon shares a number of 'hacks' that he hopes will be helpful in assisting listeners to use and manage money well. 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...

In this special bonus edition to mark the hundredth episode of the ‘Where Your Treasure Is…’ podcast, Simon and Bex celebrate all things 100, invite listeners to nominate charities to receive £100 and introduce some surprise outtakes.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

In Episode 6 of the ‘Money and Me’ season, Simon and Bex talk about the importance and benefits of being open and generous in our outlook and practice. 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

In Episode 5 of the ‘Money and Me’ season, Simon and Bex talk about talking about money, and why it is a good thing to do!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

In Episode 4 of the ‘Money and Me’ season, Simon and Bex discuss strategies for anticipating and dealing with personal financial emergencies that can arise in life.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