The 3Bz Podcast - Building Better Business

The Chancellor has delivered the Autumn Budget.But forget the political point-scoring for a minute.What does it actually mean for YOUR money?Last week, in EP187, we looked at the announcements affecting businesses.This week, we're looking at the personal side.Your wages. Your savings. Your pension. Your household bills. And the changes that could affect how much money you've actually got left at the end of the month.In EP188 of The 3Bz Podcast, I'm breaking down the personal finance announcements from the Autumn Budget 2026, including:Energy bills and household supportFuel duty and the cost of getting aroundChanges affecting savings and ISAsProperty income and personal taxFirst-time buyers and getting onto the property ladderPensions and retirement planningSupport for parents and carersWhat you should be reviewing now and what's changing further down the lineNo unnecessary jargon.No dramatic headlines just for the sake of it.And definitely no pretending that every announcement will affect everybody in exactly the same way.Just a practical look at what was announced, who it affects and what it could mean for your finances.🎧 Listen to EP188 now wherever you get your podcasts or watch on YouTube.Because understanding your money shouldn't require a degree in economics.You can purchase Finance 4 Life here: https://www.amazon.co.uk/Finance-Life-Everything-financially-cohesive/dp/B0DVBSG5LW

The Autumn Budget 2026 has arrived, but what do the announcements actually mean for your business?In this special episode of The 3Bz Podcast, Stephanie Marshall, founder of A B C S UK™, goes beyond the headlines to explain the changes that UK business owners need to know about.After listening to the Chancellor's speech, working through the official Budget documents and preparing a comprehensive written round-up, Stephanie shares the key announcements in plain English.From increases to the National Minimum Wage and changes to business mileage allowances to Capital Gains Tax reliefs, VAT, e-invoicing and HMRC's plans for more frequent tax payments, this episode focuses on what could affect your costs, cash flow and future business decisions.Stephanie also explores the opportunities announced for women-led businesses, entrepreneurs and growing companies.In this episode:What the economic forecasts could mean for small businessesMinimum wage increases from April 2027Changes to business mileage and the trading allowanceBusiness Asset Disposal Relief and the new Founders' ReliefCapital allowances and business investmentVAT, online marketplaces and e-invoicingHMRC's plans for more frequent tax paymentsFunding and growth opportunities for entrepreneursFive practical things to review in your businessBecause understanding the Budget isn't about memorising tax rules. It's about knowing which changes actually affect you.Want to understand your business finances better?Book a free 15-minute Let's Talk Business call with A B C S UK™ at https://abcsuk.com/.For the full written Autumn Budget 2026 round-up, contact A B C S UK™ to request a copy.And don't miss Part Two, where Stephanie explores what the Budget means for your personal finances.The 3Bz Podcast: Building Better Business.This episode provides general information based on announcements made on 28 October 2026. Some measures are subject to legislation or further guidance. It is not personalised financial or tax advice.

The £500 Client Who Quietly Became a £900 JobYou agreed to provide a service for £500 a month.Everyone was happy.Then the client needed a little extra help.Then another meeting.Another report.A few more emails.Another "Could you just..."And before you know it, you're delivering what should be a £900 service for £500.The worst part?You probably agreed to every single extra thing along the way. 😂In EP186 of The 3Bz Podcast, I'm talking about how client relationships evolve, why the work you're delivering doesn't always match the price you're charging, and how those little extras can quietly become part of the service.We're covering:How a £500 package can become £900 worth of workWhy a one-off favour can become an ongoing expectationThe hidden cost of additional meetings, emails and supportWhy long-standing clients aren't automatically profitableHow to review what's included without blaming the clientThe question to ask before reviewing your pricesHow to have the conversation without making it awkwardAnd no, this isn't about sending clients surprise invoices for the last eighteen months.It's about making sure the service you're delivering and the price you're charging still make sense.🎧 Listen to EP186 now.If you're running an established business but aren't sure whether your pricing reflects the work you're actually delivering, book a call with A B C S UK: https://bookings.cloud.microsoft/book/[email protected]?ismsaljsauthenabled=trueBecause your business deserves better.

Fully booked. Waiting list. No availability.Sounds like business is going brilliantly, doesn't it?Except what happens when your diary is so full that you can't take on the clients you actually want? Or you're working evenings and weekends, but the profit doesn't seem to reflect how busy you are?In EP185 of The 3Bz Podcast, I'm challenging the idea that being permanently busy automatically means you're running a successful business.We're talking about:Why a full diary doesn't automatically mean a profitable businessThe £1,000 opportunity you might not have room forHow low-margin work can fill your capacityThe business development you keep putting offPricing when demand exceeds capacityWhy hiring isn't always the answerFive questions to ask before taking on more workAnd no, I'm not suggesting you should sit around doing nothing all day. 😂It's about making sure the work filling your diary is actually helping you build the business you want.🎧 Listen to EP185 now wherever you get your podcasts, or watch on YouTube.If you're fully booked but aren't seeing the profit you'd expect, book a call with A B C S UK and let's look at what's happening behind the numbers.Because your business deserves better.

Who’s your best client?The one who pays you the most?The one who’s been with you the longest?The one with the biggest contract?Maybe.But revenue only tells you what a client pays you. It doesn’t tell you what it costs you to earn that money.In EP184 of The 3Bz Podcast, I’m looking at client profitability and why the client you think is brilliant for your business might look very different once you factor in the time, additional work, chasing, meetings, rework and support involved.We’re talking about:Why your highest-paying client isn’t automatically your most profitableThe hidden time surrounding client workHow scope creep quietly changes profitabilityLong-standing clients and legacy pricingThe clients who look great on the sales report but drain your capacityClient concentration riskThe question that can completely change how you look at your client listAnd no, this isn’t an instruction to sack every client who sends an annoying email. 😂It’s about knowing which clients are genuinely good for your business so you can make better decisions about pricing, capacity and growth.🎧 Listen to EP184 now wherever you get your podcasts.If you’re running an established business but don’t know which clients or services are actually making you money, book a call with A B C S UK™Because your business deserves better.