In this weeks episode, Julie, Emma and Becky are dispelling some of the most common myths about pensions. Is the state pension really enough to live off? Should you put off paying into your pension until later down the line? Tune in to find out what the Money Compass team think!Visit themoneycompass.co.uk for more information on this topic, news and more episodes.
In our latest Money Compass Podcast, Emma and Julie discuss the importance of knowing what money you have coming in, what money you have going out and what money you have saved in order to make great
financial future plans. They share their top tips on how to take control of your own personal finances and give great advice on how to do so. Tune in to hear more!
In our latest money compass Podcast, Julie is joined by the lovely Niki Matyjasik an amazing Business Mentor. Tune in to find out how Niki’s life experiences have made her excel even further in her business.
In our latest Money Compass podcast, Emma is joined by the lovely Nicola Rowley an amazing PR Strategist. Tune in to find out not only the importance of PR but also how to reach higher credibility and visibility within your business.
In our latest Money Compass podcast, Emma is joined by an amazing Business Protection Expert Gregor Sked. Tune in to find out how to build a business protection solution, who could benefit from business protection conversations and much more!
In our latest Money Compass podcast, Julie and Emma discuss the importance of setting out a clear plan for your future. They share their short-term and long-term goals, and explain the importance of having a financial freedom date planned early on. Tune in to hear more!
This episode of the Your Recipe for Financial Success podcast was published on 2nd September 2021. You can listen again by heading to our Episodes page, or on your favourite podcast player.
In our latest Money Journey episode, Julie is joined by Lisa Johnson who helps entrepreneurs make passive and semi-passive income streams in their business and life.
My earliest memory is my parents arguing about money. So we never had any money when I was growing up and I think my mum had bought something that my dad thought was frivolous, that we didn’t need. And so there was always arguing, and I remember that particular time, but there was always arguing over money and that’s my earliest memory.
We’re all now familiar with the cost of living crisis – how households are struggling to keep up with bills and afford the rapidly rising cost of food, fuel and other essentials.
But there’s another crisis, similar to the struggle households are going through, which is dramatically hitting businesses, and that’s the ‘cost of doing business’ crisis. Firms across the country are being confronted by rapidly rising costs of vital raw materials, fuel, wages and, of course, energy.
Many businesses simply don’t have either the spare income, or the spare savings, to manage such instant and dramatic increases.
What’s caused this?
The current price inflation is one of many impacts of the Covid-19 pandemic, which interrupted supply chains, clogged manufacturing, and created the global delays that are being seen years later.
This has been worsened by worldwide issues such as the conflict in Ukraine, and the continuing Covid-19 lockdowns in China, which have also increased prices.
Battered businesses now face a stark choice – whether to pass on the increases to their customers, or to try and absorb these new expenses to keep prices down.
A positive step for businesses
In order to cope with these dramatic cost increases, firms need to get a grip on their expenditure. Unexpected bills are the last thing they need in this current climate – and in particular energy bills are a significant worry for a lot of bosses.
There’s some good news though – installing a smart meter is a positive step in taking control of business outgoings. Once installed, energy readings will be sent directly to the supplier, bringing an end to estimated bills.
That means that businesses will only pay for what they use – and some energy suppliers may also offer an in-home display screen, to show exactly how much energy is being used. A handy way to bring an end to shocks at the end of the month!
Firms with 10 employees or less could be eligible for a smart meter. To find out more please click here. You can also contact your energy supplier or broker.
Andrew Gray, NatWest Local Enterprise Manager discusses in the this event the Low carbon economy and the Net Zero banking alliance.
“As we begin our path to recovery from the immense disruption caused by COVID-19 and move towards COP26 and a sustainable future, we have an unprecedented opportunity to Build Back Responsibly with business taking action that creates positive outcomes for people and nature.
Businesses are traditionally judged on economic success – their turnover, strategy and profits – but increasingly the public are looking to companies to take a lead on creating a better society, be it on climate change or racial equality.
Join Andy Gray and a host of guests for an honest and thought-provoking round table on the journey towards a better world for organisations and communities in the UK.
Peter Ellington, Charlie Flanagan, Alasdair Wilcock and Fran Ellington will be taking on the big questions
Climate change has been a key priority for NatWest Group since the bank unveiled its purpose-led strategy last February.
NatWest Group has become one of 43 banks globally to join the Net Zero Banking Alliance, a coalition of financial services companies that have pledged to work together to help deliver the Paris Agreement. As the banking sponsor of the COP26 climate summit, NatWest Group’s membership of this global alliance demonstrates its commitment to work collaboratively with its peers, policy makers and other stakeholders to play its part in bringing about significant change at speed and to help build a more climate-resilient economy.
The NatWest Group has signed up to the Net Zero Banking Alliance commitments, which includes transitioning all operational and financed emissions to net zero by 2050 at the latest. The bank had previously said it would halve the climate impact of its financing activity by 2030, having reached net zero carbon on its own emissions last year. Earlier this year, the NatWest Group became the first UK major bank to publish analysis of its financed emissions of oil and gas extraction, automotive manufacturing and agriculture sectors as well as to residential mortgage properties, which represent 45% of its loan book. It will continue to analyse the rest of its financing this year.”
We all have to spend money with third parties in our businesses but the art is to make sure that this money is helping you work towards your business goals and not costing more than it needs to.
This introduction to Procurement focusses on practical steps on how to get started and improve your supply chain.
It’s in plain English and easy to follow, so you can get your supply chain powering your business goals.
We’ll look at how you distinguish between the ‘core’ products that are important to your business and the ‘non-core’ products that you need but don’t directly impact your customers. Then, we’ll look at different approaches for these products, including quick wins to get you on the right track.
Content / Takeaway
Course content:
After this course, you’ll be able to:
When you register for your place, you will be sent a calendar invitation as confirmation of your place. The invite will include a unique link from Zoom for you to join the video call.
About the Speaker
Beth Seager, Independent Procurement Consultant of Espaze Ltd
Beth is an Independent Procurement Consultant who helps SMEs get a grip on their supply chain and save money.
She’s spent her career in procurement working on direct and indirect goods, including leading a procurement team for a busy international manufacturer. Now a Chartered professional, she runs her own consultancy firm and loves the challenge of solving a complex supply problem by working with the client’s team to create a tailored solution.
Outside of that, you’ll find her listening to Taylor Swift.
About Espaze Ltd
Espaze makes procurement fun and understandable. We believe that every company should be able to make their supply chain power their business goals, not drain their cash.
Espaze offers consulting services and downloadable resources that you can put into action to build the right supply chain at the right price. Check out the shop here: https://payhip.com/Espaze.
This online entrepreneur seminar looks at how you can grow your business online. How can you sell to an online consumer? What challenges and legal risks are there in an online environment? How can you build brand awareness on a small budget so that your business is visible in a noisy digital space?
Content / Takeaway
Joining us for this seminar is Alistair Ponder, Company Commercial Solicitor for Steeles Law, Brian Bush, Business Growth Specialist for BBUSHONLINE, and Dan Bradfield, Director and James Hale, Head of Digital & Marketing from Naked Marketing.
As part of our recovery programme of virtual events, this seminar will look at:
After attending the seminar you will go away knowing:
About the Speaker
Alistair Ponder, Senior Commercial Lawyer for Steeles Law Solicitors
Alistair Ponder who has over 20 years’ experience is a leading commercial solicitor, has a keen focus on supporting business clients across a range of sectors. Alistair provides practical, no-nonsense advice, in honest, plain-English, focusing on delivering a cost-effective, value-adding service and regularly receives very high client-satisfaction feedback.
Brian Bush, Business Growth Specialist for BBUSHONLINE
Brian is often introduced as the ´most connected person I know´ and has spent the last 20 years growing and refining his network to cover most sectors and countries. Having worked across the private, public and 3rd sector he has set up businesses, run existing companies and advised countless organisations in sales and business strategy. A business coach, connector and growth specialist Brian believes passionately that we are all born equipped to connect and sell.
Dan Bradfield, Creative Director & Head of Design and Branding for Naked Marketing
Dan co-runs Naked as Creative Director and specialises in branding and design. A graduate of NUA with over 10-years of agency experience, Dan has worked on new brands, rebrands and brand design for businesses of all shapes and sizes.
James Hale, Head of Digital and Marketing for Naked Marketing
James has a thorough understanding of digital and marketing – specialising in combining the two. He gained digital marketing experience from one of the UK’s largest self-catering cottage companies. James works very closely with clients, assisting in marketing and digital planning, production and reporting accordingly.
