Skint

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.

“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.