The Bungalow

You’re earning well. You’ve worked hard. You’ve done what you were “supposed” to do.So why does it still feel like your money isn’t really going anywhere?In this episode of The Bungalow, Kim and Nicky break down the five everyday habits that quietly keep people stuck financially. Even smart, capable people with good incomes and decent savings.This isn’t about blame. And it’s definitely not about hustle or hype.It’s about the small, invisible behaviours that drain momentum over time: – Paying yourself last – Letting bad debt linger – Avoiding your numbers – Confusing saving with investing – Waiting for the “right time” to startIf you’ve ever thought “I should be further ahead than this”, this conversation will hit home.Calm, honest, practical…and completely fixable.🎧 Listen now, take notes, and start making small changes your future self will thank you for.

Most people aren’t stuck. They’re busy — and quietly drifting.In this episode of The Bungalow, Kim shares the single question she was asked at a packed property event that stopped her in her tracks and ultimately changed the direction of her life.Nothing was “wrong”. The business was working. The money was coming in.But one question forced her to step back and ask whether what she was building was actually taking her where she wanted to be — or just keeping her occupied.This episode isn’t about motivation or hustle. It’s about direction. About recognising when effort, comfort and momentum are no longer aligned with the life you want — and having the courage to change course.If you’ve ever felt:busy but unfulfilledsuccessful on paper but restless underneathunsure whether to double down or step backthis is the conversation you need.

Good Debt, Bad Debt — And the Quiet Mistakes Keeping You Working Longer Than You Need ToMost of us were taught that debt is bad. But no one ever explained that some debt quietly makes you poorer… while other debt can help you build real, lasting wealth.In this episode of The Bungalow, we break down the difference between good debt and bad debt — without jargon, hype, or pressure.We talk honestly about:Why car finance, credit cards and “buy now, pay later” keep people stuckHow banks are incentivised to say yes to the wrong kind of borrowingWhy good debt takes intention (and bad debt creeps up on you)How property, inflation and leverage can work in your favour — if you understand the rulesAnd the quiet mindset shift that separates people who look wealthy from people who actually areThis isn’t about judgement or telling you what to do. It’s about understanding the game - so you can decide how you want to play it.If you’ve done “all the right things” but still feel like your money isn’t working hard enough… this episode is for you.

You don’t need more money. You need more choice.In this episode, we unpack the real meaning of FIRE — Financial Independence Retire Early — and why staying comfortable can quietly keep you financially stuck.We explore how people with decent incomes and healthy savings still lose ground over time, not through bad decisions, but through inaction, fear and outdated ideas about risk, retirement and security.You’ll hear:why FIRE is about freedom, not retiring earlythe different FIRE paths — from Lean to Coast — and how to choose what fits your lifehow to work backwards from the life you want, not forwards from your salarypractical ways to start building financial independence without hype or pressureThis is a calm, honest conversation for people who want their money working harder — safely, intentionally, and without being sold to.If you’re ready to stop standing still and start designing your future properly, this episode will change how you think about money.The Bungalow is presented by Nicky Brewin & Kim Rossiterwww.thebungalowpodcast.com Did you know that we’re now on YouTube? Watch this episode at https://www.youtube.com/@TheBungalow_PodcastIf you want to say hi, drop us a line hello@thebungalowpodcast.com

What Actually Matters When You Invest in Stocks & SharesMost people don’t avoid investing because they’re bad with money. They avoid it because it’s been overcomplicated.In this episode, we cut through the jargon and strip stocks and shares back to what actually matters: how they work, why simplicity beats cleverness, and how long-term investors grow money without watching the market or second-guessing every move.If you’ve got cash sitting on the sidelines, feel overwhelmed by conflicting advice, or just want a clear, calm starting point before you invest, this episode gives you the low-down — minus the noise, pressure, or hype.

Most people are taught to save money.The wealthy are taught to understand it.If you’ve done everything right but still feel your money could be doing more, this episode explains the difference that actually matters.In this episode of The Bungalow, we unpack the quiet distinctions that separate people who feel stuck — even on decent incomes — from those who build real financial freedom over time.We talk about:Why the wealthy see money as a tool, not something to hoardThe difference between saving for safety and investing for choiceWhy fear of “getting it wrong” keeps capable people frozenHow assets — not income — quietly fund the wealthy lifestyleThe mindset shift from “Can I afford this?” to “What would pay for this?”How risk looks very different once you understand it properlyThis isn’t about champagne lifestyles or overnight success.It’s about learning how calm, rational people gradually make money work harder for them — without hype, pressure, or doing anything reckless.If you’ve done “everything right” but still feel like time is speeding up and your money could be doing more… this conversation will give you a clearer way of thinking about what comes next.

The Middle-Class Trap: Why Earning More Still Feels Like Falling BehindDescription:You’re earning more than you used to.You’ve done what you were told.So why does it still feel like nothing is really moving?In this episode of The Bungalow, Kim and Nicky unpack the middle-class trap — the quiet cycle where rising income is matched by rising expenses, leaving even high earners feeling stuck, stretched, and surprisingly fragile.We talk about:why lifestyle creep happens without you noticinghow social pressure and “normal” upgrades drain progresswhy income alone doesn’t create securitythe psychological forces that keep smart people trappedand the practical steps you can take to build real financial breathing roomThis isn’t about cutting joy or living like a monk.It’s about defining what enough actually means to you, resisting silent pressure, and making intentional choices that lead to freedom — not just comfort.If you’ve ever thought, “I’m doing well… so why don’t I feel ahead?”This episode is for you.

Is buy-to-let finished for the everyday investor… or are we all just reading the market wrong?In this episode of The Bungalow, Kim and Nicky go head-to-head in a rare, unfiltered debate on the future of the UK’s most talked-about investment strategy. One of us believes BTL is now a “hassle asset class” with razor-thin margins, endless regulation and a shrinking upside. The other argues it remains one of the strongest long-term wealth vehicles available — if you understand how to adapt.Inside, we break down:Why rising interest rates, Section 24 and EPC reforms are pushing small landlords outHow big players like Lloyds and John Lewis are quietly reshaping the marketThe fundamentals that still make buy-to-let powerful — leverage, capital growth and generational demandWhether the strategy is dead… or simply evolvingWhat today’s investors need to know before buying their next propertyThis isn’t a highlight reel. It’s the honest conversation the industry avoids — two experts, two opposite views, one goal: to help you make smarter financial decisions in a changing market.Whether you’re planning your first investment or rethinking your entire approach, this episode will challenge your assumptions, sharpen your strategy and give you the clarity you’ve been craving.Press play. Your future self will thank you.

Episode Title: The Real Reason You’re Not Building Wealth — And How to Fix It FastProgramme description:Forget everything you were taught about money. In this episode of The Bungalow, we tear down the biggest money myth still holding people back: that saving alone will make you wealthy.Nicky and Kim break down why the old rules no longer work — and how inflation, low interest rates, and outdated generational advice are quietly melting your money away. Through simple metaphors (ice cream in the sun, cash in the fridge) and clear explanations, they reveal the truth: wealth isn’t built by saving… it’s built by owning assets.Inside the episode:Why saving feels safe but is actually losing you moneyThe three-bucket wealth system: income, savings, assetsHow inflation erodes your savings (and why banks love that you don’t notice)Property, stocks, shares & leverage — explained simplyThe psychology of fear, risk, and why most people never investReal-world examples (like the £4.20 iced latte that costs £188k over a lifetime)How to develop an investor mindset even if you’re starting from zeroThis is the episode that will change how you think about money forever — and finally show you the moves that actually build long-term wealth.

Kim and Nicky deep dive into a little known property strategy called rent to rent. Learn who might benefit from this passage into property and how it can potentially start creating passive income for you with very little money down.

Compound interest is one of the most powerful forces in finance because it allows your money to grow exponentially over time. Einstein called it the eighth wonder of the world.Instead of earning interest only on the original amount you invested, compound interest lets you earn interest on both. This snowball effect means that even small, consistent contributions can grow into significant wealth if given enough time. It rewards patience, long-term planning, and consistent investing.Those who understand it earn it, those who don't understand it, pay it!

In this mindset episode the girls chat everything 'Fear' and how to overcome it in relation to investing. How to continue your personal development, moving forward with your life and all the rewards of pushing yourself out of your comfort zone can bring.

Welcome to The Bungalow—your new HQ for money, property and mindset that actually move the needle. In this premiere, co-hosts Nicky (Cambridge property investor/refurb rebel) and Kim (TV powerhouse turned deal-hunter) pull you into the real bungalow where it all began—wheelie-bin loft inspections and all. You’ll hear how TV careers, burnout, and a “there’s-got-to-be-a-better-way” moment led to Airbnb cashflow, buy-to-lets, and planning life backwards to exit the 9–5 grind. Expect honest stories, practical strategies, and weekly deep dives into property plays, financial freedom, and the mindset to back it up. If you’re ready to think bigger and make your money work harder, you’re in the right place.Listen now and join us at: thebungalowpodcast.com

Welcome to The Bungalow—your new HQ for money, property and mindset that actually move the needle. In this premiere, co-hosts Nicky (Cambridge property investor/refurb rebel) and Kim (TV powerhouse turned deal-hunter) pull you into the real bungalow where it all began—wheelie-bin loft inspections and all. You’ll hear how TV careers, burnout, and a “there’s-got-to-be-a-better-way” moment led to Airbnb cashflow, buy-to-lets, and planning life backwards to exit the 9–5 grind. Expect honest stories, practical strategies, and weekly deep dives into property plays, financial freedom, and the mindset to back it up. If you’re ready to think bigger and make your money work harder, you’re in the right place.Listen now and join us at: thebungalowpodcast.com