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Session 2, Episode 2 - Lez talk about "X":  Jana & Jo are back in your ears, reunited and only slightly chaotic. Expect:

• Xmas reflections you didn’t ask for but will absolutely relate to

• New Year’s resolutions we may or may not keep

• One final holiday update 

• A fan‑off between two listeners who are convinced they are the superior fan

• And yes — we each brought a joke. No promises. No refunds

If you need festive debriefs, questionable wisdom, and unserious competition, this one’s for you.

Press play. Pretend you missed us.

Jo talks about her amazing fitness classes with Mel - check her out on insta! https://www.instagram.com/workout_with_mel?igsh=amk4emczbnJwcnNt

Here are some financial resources if you want to plan ahead: Government & Non-Profit Resources (UK-Focused)

These organisations offer free and impartial advice on a wide range of financial topics:

• MoneyHelper: Backed by the UK government, this service offers guidance on money, pensions, and connects users to free debt advisers via phone, webchat, or online resources. They also provide a useful Budget Planner tool.
• Citizens Advice: Provides free, independent advice on debt, benefits, housing, employment, and consumer rights. They offer support online, over the phone, or in person via a network of local branches. Visit the Citizens Advice website for more details.
• StepChange: A leading debt charity that provides free, confidential debt advice and management solutions.
• National Debtline: Run by the Money Advice Trust, it offers a free and confidential debt advice service through phone, webchat, or a digital advice tool. 

Online Tools & Calculators

Numerous free online tools can help with specific aspects of financial planning:

• Budget Planners: Tools from MoneyHelper and MoneySavingExpert help you track spending and identify areas to save.
• Retirement & Savings Calculators: Investor.gov offers a range of tools including a compound interest calculator, a retirement estimator, and a mutual fund analyzer (note: these are US-focused).

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