IE Hub's Pocket Perspectives

Welcome to a fresh episode where we chat about why "Debt Free is the New Rich" might just be the best lifestyle shift you can make! We break down the myth that wealth is all about flashy gadgets and designer labels. Instead, we highlight how avoiding debt brings peace of mind, less stress, and genuine happiness.

We'll also look at how today's consumer culture has changed. Spending used to be seen as a driver of success, but with the challenges of the pandemic and soaring living costs, we're seeing a big shift.

T and Jack, share their personal journeys—from Jack's realisations about material desires to T's strategies for working smarter, not harder.

In this episode, we also dive into the FIRE movement, which champions saving fiercely and living simply to achieve financial independence early. Plus, we'll discuss the delicate balance between saving for tomorrow and paying off debts today.

Our next hot take that we discuss is "Holidays Don't Have to Break the Bank" , we'll share how you can enjoy amazing vacations and fun times without breaking the bank. It's all about making smart choices and finding joy in what really matters.

About IE Hub

📊 IE Hub is completely free of charge, designed to simplify tracking your income and expenses! Once logged in, you’ll see your income, essential expenses, and what’s left for paying off any debts you may have. If you want to share this with any company in hopes of reducing your payments, you can do so through your IE Hub portal.

💡 We’ll also help you discover any extra income opportunities and check if you qualify for special service provider tariffs

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.iehub.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

So Season 2 is done and we wanted to come back with an even better Season 3. Last time, we chatted, recording each episode for so long, we had to split the episode into three parts! We have decided this season, we are making them much shorter, and much more casual.

Today's episode covers hot takes, but we're not going to be giving too many controversial opinions here. While we're calling it "Hot Takes," we're actually going into our perspectives on some pretty controversial topics. We want to kick start conversations and hear what you think too.

First up: Loud Budgeting. Ever heard of it? Maybe you've seen it trending on TikTok or popping up in your feed. It's all about openly discussing your financial boundaries and being unapologetic about saying no to things that don't fit your budget. We'll share our experiences and how it's helped us navigate saving for big milestones like weddings, honeymoons, and more. Tinisha’s take reflects on a journey from secretive spending to embracing Loud Budgeting, while Jack has always been open about his financial goals, finding motivation in accountability. 

Plus, we'll discuss why staying in is becoming the new going out. From DIY date nights to saving on costly outings, we're all about finding joy in the comforts of home.

Join us as we talk about our thoughts, experiences, and maybe a few laughs along the way. Whether you're a budgeting pro or just dipping your toes into the staying-in trend, we've got something for everyone. 

About IE Hub

📊 IE Hub is completely free of charge, designed to simplify tracking your income and expenses! Once logged in, you’ll see your income, essential expenses, and what’s left for paying off any debts you may have. If you want to share this with any company in hopes of reducing your payments, you can do so through your IE Hub portal.

💡 We’ll also help you discover any extra income opportunities and check if you qualify for special service provider tariffs

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.iehub.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Thinking of starting a side hustle while holding down a full-time job? You're not alone! 

Many of us are finding that a little extra work can make a big difference to our finances. But there's a lot to consider before diving in. 

In this episode of Pocket Perspectives Podcast, Jack and T delve deep into the practicalities, legalities, and financial implications of managing self-employment or a side hustle alongside full-time employment.

From understanding the maximum work hours to the tax implications and strategies for maintaining your health and well-being, we cover everything you need to know. We also discuss the benefits of setting up separate bank accounts, using accounting software, and when it might be time to hire an accountant.

Whether you're just curious or seriously considering making the leap, listen for valuable insights on transitioning to self-employment, tax deductions, and allowable expenses to ensure your side hustle is as rewarding as it is enriching. 

About IE Hub

📊 IE Hub is completely free of charge, designed to simplify tracking your income and expenses! Once logged in, you’ll see your income, essential expenses, and what’s left for paying off any debts you may have. If you want to share this with any company in hopes of reducing your payments, you can do so through your IE Hub portal.

💡 We’ll also help you discover any extra income opportunities and check if you qualify for special service provider tariffs

Welcome to a heart-to-heart episode of Pocket Perspectives, where we basically have a therapy session and rake up all of our childhood stories from growing up in working-class families and high levels of debt. 

To brace this topic, Tinisha and Jack have got two amazing guests taking us on a trip down memory lane and giving us insight into their own upbringing. 

Dan Kelsall - The guy who went from maxing out store credit cards to shaking up the marketing world with his bold agency Offended. Let’s just say, he knows how to leave a mark (especially with giants like Ladbrokes and KFC).

Gemma Cryan - Our Marketing Director at IE Hub who has worked her way out of a childhood seeing her mam face financial struggles to a successful marketer with a beautiful young family. She has worked her way up to managing the marketing for the likes of Frankie and Benny’s and even the Ministry of Defence!

An Overview:

💼 From Humble Beginnings: How growing up without much money can change the way you handle it later.

📘 Breaking the Cycle: We chat about why it’s really important to teach our kids about being smart with their money.

🤝 Let's Talk About Debt: There’s zero shame in talking about money problems, and we’re here to prove it.

🎢 Life's Ups & Downs: Gemma and Dan share how they’ve handled everything life has thrown at them, with some laughs along the way.

🍼 Baby News Alert! Gemma's already started planning how she will teach her little girl about money, while Dan’s about to join the parent club!

Grab your headphones and hit play for stories that’ll make you laugh, nod, and maybe even shed a happy tear.

About IE Hub

📊 IE Hub is completely free of charge, designed to simplify tracking your income and expenses! Once logged in, you’ll see your income, essential expenses, and what’s left for paying off any debts you may have. If you want to share this with any company in hopes of reducing your payments, you can do so through your IE Hub portal.

💡 We’ll also help you discover any extra income opportunities and check if you qualify for special service provider tariffs

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.iehub.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Welcome back! Are you struggling to break out of the debt cycle, wondering if you will ever be free of debt? StepChange Debt Charity is your go to! In this episode, we shed light on the differences between priority and non-priority debts, highlighting the potential consequences of each. Joined by Tom from StepChange Debt Charity, we discuss the importance of proactive debt management, strategies for budgeting, and seeking help when needed. You can also gain insights into debt payment plans, including Debt Management Plans (DMPs). 

Whether you're facing financial challenges or simply want to improve your financial literacy, this episode offers practical advice and support for a brighter financial future. Have a listen and learn all about the ways to free yourself of debt! 

About IE Hub

📊 IE Hub is completely free of charge, designed to simplify tracking your income and expenses! Once logged in, you’ll see your income, essential expenses, and what’s left for paying off any debts you may have. If you want to share this with any company in hopes of reducing your payments, you can do so through your IE Hub portal.

💡 We’ll also help you discover any extra income opportunities and check if you qualify for special service provider tariffs

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.iehub.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

We are back, and have you ever looked at your payslip and thought… I have absolutely no idea what I am looking at, is this even right? Taxes can feel like a headache, but understanding them is crucial for managing your money effectively. If you're an employed individual in the UK, this episode is for you! 

Join us as we unravel the mysteries of the PAYE system, explain how your tax code works, and decode National Insurance contributions.

We'll even share relatable personal stories that demonstrate why it's so important to understand your own tax situation. Get ready to ditch the confusion and take control of your finances!

About IE Hub

📊 IE Hub is completely free of charge, designed to simplify tracking your income and expenses! Once logged in, you’ll see your income, essential expenses, and what’s left for paying off any debts you may have. If you want to share this with any company in hopes of reducing your payments, you can do so through your IE Hub portal.

💡 We’ll also help you discover any extra income opportunities and check if you qualify for special service provider tariffs

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.iehub.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Welcome back! Have you ever tried saving and thought… it's just not for me? 🎉 In our latest episode of Pocket Perspectives, Tinisha and Jack are spilling all the beans on how to make saving money a bit more fun. We're diving deep into the psychology behind saving, sharing personal stories, and exploring creative ways to stash away your cash. From the 100 envelope challenge to side hustles- we cover it all.

Join us as we chat about why saving is so important, how your upbringing and environment can influence your saving habits, and why finding alternative savings methods might just be the key to saving. Plus, we'll dish out some insider tips on how IE Hub's budgeting tool and benefits checker can help you take control of your finances like never before.

Have a listen and learn all about the exciting world of saving money. 

About IE Hub

📊 IE Hub is completely free of charge, designed to simplify tracking your income and expenses! Once logged in, you’ll see your income, essential expenses, and what’s left for paying off any debts you may have. If you want to share this with any company in hopes of reducing your payments, you can do so through your IE Hub portal.

💡 We’ll also help you discover any extra income opportunities and check if you qualify for special service provider tariffs

⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.iehub.co.uk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Facebook: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.facebook.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠IEHubCustomer⁠⁠⁠⁠⁠⁠⁠⁠⁠

TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠www.tiktok.com/@iehub⁠⁠⁠⁠⁠⁠⁠⁠⁠

In this eye-opening episode, hosts Tinisha and Jack dive deep into the murky waters of illegal money lending/loan sharks.

Joined by special guest Cath Wohlers, Liaise Manager at Stop Loan Sharks, they uncover the truth behind this topic and arm you with the essential knowledge to safeguard your finances.

🔍 Explore the concept of illegal money lending and learn how loan sharks prey on vulnerable individuals.

💡 Discover red flags and warning signs that someone may be involved with a loan shark, and find out what you can do to protect yourself and your loved ones.

😱 Hear real-life stories and case studies that illustrate the devastating impact of illegal lending on victims and communities.

👮‍♀️ Gain valuable insights into reporting illegal money lending activities and getting help from organisations like the England Illegal Money Lending Team.

Contact the Illegal Money Lending Team

Contacting the England Illegal Money Lending Team (IMLT) is easy, and they're here to help. Here's how you can get in touch:

🎙️ Hey there, welcome back to Pocket Perspectives Season 2!

Join your usual hosts Jack and Tinisha as they dive into the wonderful world of money mindset with the incredible Laura Ann Moore, Money Mindset Coach, and Personal Finance Guru.

🤑 Laura spills the beans on the emotional rollercoaster of money and dishes out practical tips to flip your money mindset to abundance. Get ready to conquer your financial fears and embrace a guilt-free spending spree!

💼 Listen in as Laura shares heartwarming success stories from her clients and reveals how tech-savvy solutions like IE Hub can sprinkle some magic into your finances. Say goodbye to those awkward creditor calls – with just one click, we've got your back!

🔍 Don't miss out on our Q&A session and action steps to supercharge your money mindset.

Trust us, this episode is packed with words of wisdom from Laura!

🌟 Connect with Laura on her website at https://www.mindmoneysoul.co.uk/ and give her a shoutout on Instagram (@laura_ann_moore) and TikTok (@lauraannmoore) for even more friendly advice. Let's make money magic together!

About IE Hub

📊 IE Hub is completely free of charge, designed to simplify tracking your income and expenses! Once logged in, you’ll see your income, essential expenses, and what’s left for paying off any debts you may have. If you want to share this with any company in hopes of reducing your payments, you can do so through your IE Hub portal.

💡 We’ll also help you discover any extra income opportunities and check if you qualify for special service provider tariffs

🌟 Welcome to a brand-new episode of Pocket Perspectives Podcast! Today, we're diving into a topic that touches each of our wallets: Inflation and the Cost of Living Crisis. 🚀📈

🔍 What's Inflation Anyway?

We kick off with a fun, easy-to-understand breakdown of inflation. Imagine last year you bought 5 apples for £1, but this year, you only get 4 for the same price. Yep, that's inflation for you! We discuss why it happens, from increased demand to supply shortages, and why it's crucial to keep an eye on your budget when prices soar. 🍏💷

🌍 The Cost of Living Crisis Unpacked

Next, we delve into the cost of living crisis that hit hard between 2022 and 2023. From rising inflation to the ripple effects of the Russia/Ukraine conflict and the COVID-19 pandemic, we explore the big whys behind this challenging period. 🌐🔥

📊 The Stats Speak:

We bring you the latest, with the annual inflation rate dropping to 4.7% in October 2023 from a high of 6.3%. But it's not all sunshine yet. We talk about the cumulative impact of past high inflation, reduced purchasing power, and why basics like food and housing are still heavy on the pocket. 💼📉

🌟 Why Tune In?

Whether you're a student, a professional, or just someone trying to make sense of these economic changes, this episode is packed with relatable stories and practical tips. We're all about keeping it light-hearted and friendly, even when the topics are as serious as your hard-earned cash. 🎧💬

So grab a coffee, settle in, and let's demystify inflation and the cost of living crisis together! Remember, knowledge is power, especially when it comes to your finances. 💪💰

About IE Hub

📊 IE Hub is completely free of charge, designed to simplify tracking your income and expenses! Once logged in, you’ll see your income, essential expenses, and what’s left for paying off any debts you may have. If you want to share this with any company in hopes of reducing your payments, you can do so through your IE Hub portal.

💡 We’ll also help you discover any extra income opportunities and check if you qualify for special service provider tariffs

🌟 Welcome to a special episode of Pocket Perspectives Podcast, brought to you by IE Hub! Join your regular hosts, Jack and Tinisha, as they welcome a very special guest - Manuel (Manu) Peleteiro, the innovative co-founder of InBest. 🎙️

🚀 Dive into the world of welfare benefits with us! We're breaking down the complex world of financial aid provided by the UK government.

Manu sheds light on different types of benefits and how these benefits are essential in supporting those in need, whether it’s dealing with health conditions, raising children, or simply making ends meet.

🔍Did you know over 8 million UK households are missing out on £19 billion in benefits?

We discuss the reasons behind this staggering number, from lack of awareness and complex application processes to misconceptions and social stigma.

🤝The IE Hub and Inbest Partnership - Exciting insights ahead! We delve into the groundbreaking partnership between IE Hub and inBest. Hear from Manu about how this collaboration integrates seamlessly into the customer journey, offering a free, user-friendly option to check for benefits.

This partnership is not just about accessing services; it's about empowering users to increase their income. And the impact? A staggering £106 million in potential benefits was identified in just one year!

About IE Hub

📊 IE Hub is completely free of charge, designed to simplify tracking your income and expenses! Once logged in, you’ll see your income, essential expenses, and what’s left for paying off any debts you may have. If you want to share this with any company in hopes of reducing your payments, you can do so through your IE Hub portal.

💡 We’ll also help you discover any extra income opportunities and check if you qualify for special service provider tariffs

Happy New Year!🎉 Ready to conquer your money goals in style? Join the dynamic duo, Tinisha Osu and Jack Suddaby, on Pocket Perspectives Podcast for Episode 6, where they're bringing you the inside scoop on New Year's resolutions with a financial twist! 💰💪

🌟 In this episode, you'll journey through time, exploring how resolutions evolved from ancient Babylonians to today's self-improvement quests. Discover the highs and lows of setting resolutions, and why so many of us give up by February. But don't worry, it's not all doom and gloom! 🙌

💡 We're spilling the beans on the science behind setting achievable financial goals. Your brain is a powerful ally on your resolution journey, and we'll show you how to make it work for you. From dopamine boosts to forming habits, we've got your back! Plus, learn the art of SMART goals with real-life examples that'll have you saying, "I can do this!" 🧠🏆

💼 Want to turn your financial dreams into reality? We've got budgeting tips that'll make your wallet sing. From tracking income and expenses to taming debt, we've got the playbook for financial peace of mind. And don't forget the cool tools like IE Hub to level up your game! 💸💼

📈 Worried about staying on track? We've got your back there too! Learn the ropes of tracking financial progress, adjusting goals when life throws a curveball, and keeping the fire alive without burning out. 📊🔥

But hey, we're not just talking at you! We want to hear your resolutions too! Share your financial goals with us on social media using #PocketPerspectivesPodcast, and let's inspire each other to make 2024 our best year yet! 🚀✨

So grab your headphones and a cup of your favorite brew, because it's time to rock those financial resolutions together! Tune in now and let's make this year a money masterpiece! 🎧💸🎉

About IE Hub

📊 IE Hub is completely free of charge, designed to simplify tracking your income and expenses! Once logged in, you’ll see your income, essential expenses, and what’s left for paying off any debts you may have. If you want to share this with any company in hopes of reducing your payments, you can do so through your IE Hub portal.

💡 We’ll also help you discover any extra income opportunities and check if you qualify for special service provider tariffs

Hello, Pocket Perspectives listeners! 🎧 Welcome back to another episode where we dive into the ever-twisting journey of managing money in your 20s, especially when life throws those unexpected career curveballs.

Today, we're super excited to have Ben Ellis with us. He's got a story that's both unique and relatable - from diving into university life, flipping the script to become an entrepreneur, and then shifting gears again into the world of full-time employment. Plus, we get some expert insights from an ex-debt advisor!🚀

We're not just sharing stories here; we're diving deep into how emotional factors play a HUGE role in our financial decisions during these career shifts. We'll touch on everything from the "pandemic skip" (you know, that career pause or detour many of us faced) to the intense pressure of comparing ourselves with others on social media. 📱

And, of Course, Those Handy Financial Tips

Because what's a chat about money without some solid, tried-and-tested tips? We're going to cover how to budget during these transitions, the importance of an emergency fund, and why keeping your debt in check is crucial. Plus, we'll explore the little ways to make ends meet when switching careers. 💸

So, tune in, get comfy, and let's unravel the mysteries of managing money through those unpredictable yet exciting career shifts in your 20s! 🌈🎙️

About IE Hub

📊 IE Hub is completely free of charge, designed to simplify tracking your income and expenses! Once logged in, you’ll see your income, essential expenses, and what’s left for paying off any debts you may have. If you want to share this with any company in hopes of reducing your payments, you can do so through your IE Hub portal.

💡 We’ll also help you discover any extra income opportunities and check if you qualify for special service provider tariffs

It's time for episode 4, and with the festive season in full swing, Tinisha Osu and Jack Suddaby from IE Hub are here to chat about a topic we all wrestle with - the financial pressures of Christmas.

We all know Christmas isn't just about festivities and food. Behind the tinsel and twinkling lights, there's a whole world of financial stress. From the pressure to buy the perfect gifts to the rising costs of holiday meals, we're dissecting the real cost of Christmas cheer.

We'll also dive into the dangers of overspending and accumulating debt – a Christmas tradition nobody wants. Those post-Christmas financial stress blues? We're talking about how to avoid them and break the cycle of debt that many find themselves trapped in year after year.

Finally, we're encouraging you to start planning for next Christmas early. Yes, we're serious! We'll share strategies to minimise stress and maximize joy, including taking advantage of off-season sales and spreading gift purchases throughout the year.

To wrap up, we'll remind you of what Christmas is really about. It's not just the gifts or the glitter; it's about spending time with loved ones, sharing good food, and appreciating each other.

So, grab a cup of hot choccy, snuggle up, and let's figure it out together. Cheers to a stress-free holiday season!

About IE Hub

Hey there, listeners! Welcome back to Pocket Perspectives podcast, where your hosts, Tinisha Osu and Jack Suddaby from IE Hub, are ready to dive into a topic that's a bit of a spicy one - Money and Dating.

So, let's start with the big question: Are you and your partner financially compatible? It's not just about being on the same page with your hobbies and favourite movies; how you spend and save your money can really make or break a relationship. Imagine a spender and a saver trying to plan a weekend getaway. Yep, we're going there.

But it's not just about spending habits. We're also talking about how these money matters tie into perceptions of stability and security. Ever wondered if your date's splurging habits are a red flag or just their way of having fun? We've got some thoughts on that.

Also, we are getting a bit personal here, as always. We're sharing our own financial 'icks' and deal-breakers in relationships. And for those in the early stages of dating, we're dishing out some insights on how to navigate the money talk without stepping on too many toes.

And a serious note - we're also talking about financial abuse and coercive control in relationships. This is a tough topic, but we believe it's crucial to understand the signs and know where to find help.

Welcome to the second episode of the Pocket Perspectives Podcast!

For this episode, you are joined again by Tinisha Osu and Jack Suddaby- who both currently work in the marketing department of IE Hub.

In this wholesome episode, we're talking all things money and mental health. Of course, it is a very serious and often upsetting topic. However, Tinisha and Jack share their personal experiences with mental health issues and how money has affected that. They discuss ways to manage and resources that are out there to help.

If you are struggling with your mental health, please reach out to an organisation able to help support you. Such as:

• Samaritans: 116 123 to talk to a trained listener, available 24/7 

• Mind Infoline: 0300 123 3393 or text 86463 for information and support regarding mental health- Mon-Fri 9-6

• NHS Talking Therapies: Your GP can refer you or you can refer yourself

About IE Hub

Welcome to the very first episode of the Pocket Perspectives Podcast!

For this episode, you are joined by Tinisha Osu and Jack Suddaby- who both currently work in the marketing department of IE Hub.

In this jam-packed episode, we're diving headfirst into the world of finances. Don't worry- it's not as scary as it sounds. Get cosy as we spill the beans on why financial education is an absolute game-changer in today's world.

You'll hear Tinisha and Jack's firsthand tales of trials and triumphs, straight from relatable experiences that highlight the importance of making smart money moves.

And that's not all! We're getting into the nitty-gritty details of credit and debt. Ever wondered what that sneaky APR really means? Brace yourselves for an informal and chatty journey through responsible credit card usage.

But wait, there's more! We're not leaving you hanging. We've got your back with practical strategies—yes, you heard that right! From the Snowball and Avalanche methods to insider tips on where to seek help if you do fall into debt, we've got the ultimate playbook ready for you.

So, get comfy, grab your favourite snack, and join us on this adventure towards financial freedom.

About IE Hub