Episode Summary

Michelle and Nicola kick off the episode with a lighthearted catch-up about holidays, autumn weather, and the joys (and disasters) of caravanning. The conversation quickly turns to money—how we save, spend, and the mindsets we inherit and develop around finances.

Key Topics Discussed

• Holiday Recap: Stories from Wales, caravan mishaps, and the universe’s mysterious ways.
• Money Mindset:
  • Saving vs. spending habits
  • How upbringing shapes financial attitudes
  • Teaching kids about money
  • The importance of budgeting for both home and business
• Business Finances:
  • Knowing your numbers
  • Pricing services and overcoming the “ick” of quoting
  • The difference between a hobby and a business
  • Managing business accounts and tools (from spreadsheets to accounting software)
• Listener Question: Rachel asks, “What do you like most about doing a podcast?” The hosts reflect on the value of conversation, different perspectives, and the joy of Monday morning chats.
• Random Acts of Kindness & TV Recommendations:
  • A shoutout to "The Crowded Room" on Apple TV
  • The challenge of disconnecting from technology (no data experiment)
  • The importance of reviews and feedback

Notable Quotes

• “You have to keep an eye on your figures. You have to know your numbers.”
• “It’s interesting how different people are with money—some are savers, some are spenders, and some are a bit of both.”
• “Saying things out loud makes things clearer.”

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