Skint

What IS a divident? This week, Connie and Mik break down dividends - what they actually are, how they work, and why some people get weirdly excited about being paid for… doing nothing.Connie learns exactly what a dividend is (spoiler: it’s not free money falling from the sky, sadly), how dividends show up on fund platforms, and why people talk about them so much when investing for the long term.They also dig into how dividends can be used alongside the so-called 8th wonder of the world - compounding - and why reinvesting those small, boring payments can quietly turn into something much bigger over time.If you’ve ever wondered why investors care about dividends, how they fit into funds, or whether they’re worth paying attention to at all, this episode makes it simple, practical, and very normal-person friendly.For education and entertainment only. Not financial advice ❤️

Cash. The stuff we barely think about until we really need it. From power cuts and dead phones to being stranded with no way to pay, Connie shares why she now keeps emergency cash at home.Mik breaks down the two big questions everyone avoids. Why cash still matters in day-to-day life, and how much of it you should actually be holding as part of your savings or investments.They cover rainy day money, emergency buffers, savings accounts, gilts, ISAs, and why selling investments at the wrong time can cost you far more than you think. For education and entertainment only. Not financial advice.

This week, Connie and Mik break down how spreading your investments can help protect you from bad luck, bad timing and bad decisions. In other words, diversification. They discuss how much cash to keep, why putting all your eggs in one basket is risky, and how normal people can build a 'diversified portfolio' without needing lots of money or a finance degree. If you have savings, a pension or even just a few quid set aside, this is one of the most important money basics to get right.For education and entertainment only. Not financial advice.

Want to know what happens after you decide to invest? Where does the money go, how do you buy shares, and what are all these platforms people keep talking about? This week, Mik explains how investment platforms work, from opening an account and moving your money in, to buying funds, shares, ISAs and pensions. They look at fees, how to choose a platform, and why some are better for small pots while others suit bigger ones.We'll unpack how to get started, how much you really need, why it's easier than it sounds and how to avoid panicking when the numbers go up and down.New to investing? Start here. For education and entertainment only. Not financial advice.

If you've ever heard the term “bond” and thought it was related to spy movies, this episode is for you. This week, Connie and Mik explain how large companies borrow money, what corporate bonds are, and how you (yes, YOU) can get paid for lending to them.They cover why some companies pay more interest than others, what makes a bond safer or riskier, and how this kind of investing can fit into a normal person’s finances.It's an essential guide to one of the most confusing bits of the money world, without the jargon or the stress.For education and entertainment only. Not financial advice.

Connie and Mik explain what gilts are and why they have nothing to do with feeling bad about something you did or said. Mik breaks down how lending money to the government works, how you get paid interest, and how you get your money back at the end. They cover what “coupon” and “maturity” mean, how they're are priced, and why some can be an efficient (and legal) way to pay less tax. If you have ever wondered how the government borrows money and how you can earn from it, this episode is a good starting point. For education and entertainment only. Not financial advice.

Connie has crypto FOMO. Her friends are all seemingly making small fortunes trading digital currencies and wants to know if she has missed the chance.Mik explains what crypto and blockchain really are, why people trade them, and why it's more of a gamble than a real investment. They also look at tax on crypto profits, how HMRC tracks trades, and what happens if you make money.It is a clear, honest chat about the risks, the hype and the often under-reported realities of crypto.If you've ever wondered whether to jump in on the latest alt-coin or stay well away, this episode will help you decide. For education and entertainment only. Not financial advice.

“Tractors, taxes, and tricky inheritances.”This week on SKINT, Connie and Mik dig into inheritance tax - why farmers are fuming, what it actually means, and how money rules can get a little muddy. No advice, just laughs and straight talk.

“Funds, family, and the fine print.”This week on SKINT, Connie and Mik chat all things funds & inheritance - from passing down pennies to what happens when politics and property mix (yep, that Angela Rayner story in the news). No financial advice, just good chat and real talk.

“Why do I feel broke… even when I’m not?” (or vice versa)This week on SKINT, Connie and Mik unpack money dysmorphia - that weird feeling when your bank balance and your brain don’t match. Funny, real, and painfully relatable.This is not financial advice! Just fun times.

This week on SKINT, Connie and Mik dive into your juiciest TikTok questions and comments - unfiltered and totally relatable. No advice here, just honest chat and a lot of laughs.

Let's be honest everyone, what on earth is the Bank of England?!Who are they? What do they do? - And why does inflation HAVE to stay at 2%?Well Mik is here to save us all! Have a listen as Connie (and yourself) learn fundamental financial things etc!Stay learning, peace out <3

“The budget is extreme.” ... “Rachel Reeves declined my selfie.”This week on SKINT, Connie and Mik spill the tea on the latest Budget rumours - what’s real, what’s hype, and how it could hit your wallet. Listen to find out more !

Still feel like you have no idea what's going on with your finances? Same. That’s why we’ve launched a new segment of 30 Flirty & Not Thriving, - 30 Flirty & Learning Finance.In this episode, we’re breaking down mega pensions and the pension dashboard - what’s planned, what’s rumoured, and what it could mean for your future money. Plus, Connie shares the story of how she recently “met” Rachel Reeves ! Tune in and check out our other episodes too!Disclaimer: This isn’t financial advice, just mildly responsible fun.

Welcome to 30 Flirty & Learning Finance, our new segment where we unpack the money stuff no one bothered to explain.In this episode, we’re diving into your payslip - what all those confusing numbers mean, how to actually read it, and the key things to check so you know where your money’s really going. Think of it as a payslip tutorial, minus the corporate jargon and with slightly fewer tears than payday.Disclaimer: This isn’t financial advice, just mildly responsible fun.

Still feel like you have no idea what's going on with your finances, especially when it comes to holidays? Same. That’s why we’ve launched a new segment of 30 Flirty & Not Thriving, called 30 Flirty & Learning Finance.In this episode, we’re breaking down what a fund actually is, how it works, the different types of investment funds available, and how they can fit into your money goals. Spoiler: it’s not about starting a GoFundMe for your brunch habit.Disclaimer: This isn’t financial advice, just mildly responsible fun.

Still feel like you have no idea what's going on with your finances, especially when it comes to holidays? Same. That’s why we’ve launched a new segment of 30 Flirty & Not Thriving, called 30 Flirty & Learning Finance.In this episode, we’re unpacking Buy Now, Pay Later - how it works, why it’s tempting, and what to watch out for so you don’t end up paying way more than you planned. Tune in and check out our other episodes too!Disclaimer: This isn’t financial advice, just mildly responsible fun.

Still feel like you have no idea what's going on with your finances? Same.That’s why we’ve launched a new segment of 30 Flirty & Not Thriving, called 30 Flirty & Learning Finance.In this episode, we’re talking student loans, budgeting basics, and how to make your money last longer than your lecture attention span. Tune in and check out our other episodes while you're at it.Disclaimer: This isn’t financial advice, just mildly responsible fun.

Still feel like you have no idea what's going on with your finances? Same. That’s why we’ve launched a new segment of 30 Flirty & Not Thriving, called 30 Flirty & Learning Finance.In this episode, we're diving into everything you need to know about ISAs and how to actually make your savings work harder. Tune in and check out our other episodes too!Disclaimer: This isn’t financial advice, just mildly responsible fun.

Still feel like you have no idea what's going on with your finances, especially when it comes to holidays? Same. That’s why we’ve launched a new segment of 30 Flirty & Not Thriving, called 30 Flirty & Learning Finance.In this episode, we're diving into everything you need to know before you file: understanding what counts as income, avoiding last-minute stress, and making the most of your allowable expenses. Tune in and check out our other episodes too!Disclaimer: This isn’t financial advice, just mildly responsible fun.