A Little Bit Richer

Is Your Debt Under Control? Spot The Red Flags

There are so many ways for debt to build up, but when might it become a problem and what can you do about this? We’re unpacking the not so obvious warning signs of debt being out of control and the impact it can have. In this episode of A Little Bit Richer, host Iona Bain is joined by Vikki Brownridge from debt charity, Step Change. Together they discuss how easy it is to get into debt, the impact it has on your credit score, how to manage it and recognising when it is becoming a problem. Plus advice on what to do if you are in financial difficulty and struggling. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer For free debt advice and support, visit Step Change: https://www.stepchange.org/ Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser. See omnystudio.com/listener for privacy information.

What Habits Are Your Bank Statements Masking? Here's What To Look Out For

When was the last time you properly looked at your bank statements or payslips? They often reveal far more about you than you might think. Your habits, good and bad, and even how likely you are to build wealth. In this episode of A Little Bit Richer, our host Iona Bain is joined by financial content creator Gabriel Nussbaum, aka That Money Guy. With a 1.5 million followers across social media, Gabriel teaches people all about money, how to be better with it, and how to grow it. He shares the five key indicators that show if someone is on track for a strong financial future. Plus, some great tips on how to keep a lid on emotional spending. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Follow Gabriel Nussbaum on TikTok, Instagram & YouTube Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser. See omnystudio.com/listener for privacy information.

Don’t Miss Out: Benefits From Work That’ll Make You Richer

Are you making the most of the benefits your employer is offering? Most of us go straight to the salary when eyeing up a role, but many of us don’t know all the valuable employee benefits available, or even what they’re legally entitled to. Be it extra employer pension contributions, private healthcare, discount vouchers or loans for equipment, there might be more on offer than you realise. In this episode of A Little Bit Richer, host Iona Bain sits down with Jodie Greenway from L&G's benefits team to discuss everything from salary sacrifice and tax-efficient bonuses, to nap-pods and ‘get-ready-rooms’, and why your pension is still likely the most valuable perk you'll ever be offered. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser. See omnystudio.com/listener for privacy information.

How Much Does Being Healthy Cost?

How much time and money should you invest in being healthy? With so much noise and choice out there, it’s easy to forget the fundamentals of a healthy and balanced lifestyle. We’re unpacking the key areas to prioritise and help protect our health and wellness now and in the future. In this episode of A Little Bit Richer, host Iona Bain is joined by GP, health educator and presenter Dr Tosin. Best known for her work on the BBC's Operation Ouch, Dr Tosin joins Iona to explore what it really means to invest in your health. From nutrition and exercise to rest and recovery, they discuss the everyday choices that can have a long-lasting impact on our health and wellbeing. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Check out Dr Tosin on https://www.instagram.com/drtosinofficial Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser. See omnystudio.com/listener for privacy information.

Think You'd Never Fall For It? The New Scams Targeting Millennials

With scams rising at an alarming rate and AI giving fraudsters unlimited new ways, it’s getting harder and harder to recognise what’s real. Stats show 18-34 year olds are twice as likely to be targeted as older people. So knowing how to recognise new methods, protect yourself and spot the red flags has never been more important. In this episode of A Little Bit Richer, our host Iona Bain is joined by Harleen Nottay, presenter and reporter on the BBC’s award winning Scam Interceptors. Harleen shares some eye-opening stats and facts, practical advice and simple steps that will help you protect everything you've worked so hard to build. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Check out Harleen on https://www.instagram.com/harleennottay Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser. See omnystudio.com/listener for privacy information.

Money Lessons All Kids Should Learn

What age did you learn about money and how has it shaped your relationship with it now? Research suggests that core money habits are often set by age 7, which means the conversations we have with children today could shape their entire financial future. So how do we make sure those conversations are happening in a way that's age appropriate, engaging and actually sticks? In this episode of A Little Bit Richer, our host Iona Bain is joined by Leon Ward from financial education charity, Money Ready. Leon breaks down the simple, practical and highly effective ways to get children engaged with money from an early age, helping to build the financial foundations that will shape their future. Plus, he explains why financial literacy is one of the most important gifts we can give a child, and why starting early makes all the difference. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Check out Money Ready and their work here: https://moneyready.org/ Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser. See omnystudio.com/listener for privacy information.

Is Financial Freedom Real?

How much money would you need to feel financially free? It’s a tricky question to answer for many and understandably. If we haven’t sat down to work out what financial freedom means to us, how can we ever know what it will take to get there? We all want to have a strong financial future and live life on our own terms, but what does that look like in practice? And how can we do it faster? In this episode of A Little Bit Richer, our host Iona Bain is joined by financial content creator Sammie Ellard-King, known across social media as Up the Gains. He’s helping people get financially fit with his podcast, The Money Gains and his Gains app. Together they explore ways to help work out what financial freedom means to you, how to figure out your ‘number’ and the habits and steps you can make to close the gap between where you currently are and where you want to be. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Check out Sammie Ellard-King and Up the Gains on Instagram https://www.instagram.com/upthegainsmoney/ and on TikTok https://www.tiktok.com/@upthegainsmoney Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser. See omnystudio.com/listener for privacy information.

The Smartest Investment You Can Make (Is You!)

Self-worth and financial worth are interlinked, yet many of us don’t prioritise this. Your personal growth is your biggest asset. By regularly investing in you and your development, you will likely see some serious returns in your earning potential. In this episode of A Little Bit Richer, our host Iona Bain is joined by Amy Kean - Founder of Good Shout - a learning and development company helping people communicate with confidence. Amy explains how we should all be continually learning and investing in ourselves - as well as finding ways to boost our confidence and let our unique and authentic voice be heard. This increase in self-worth matters way more to your bank balance than you might think. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Check out Amy Kean and Good Shout here Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser. See omnystudio.com/listener for privacy information.

Sort Your Life (and Death!) Out

We all have to do life admin, but some tasks feel far heavier than others. And so, many of us avoid doing them altogether. Whether it’s having an up-to-date Will, nominating your pension beneficiaries, or figuring out who you’d want to act on your behalf if something were to happen, this is the kind of life or death admin many of us run from - until we can’t! In this episode of A Little Bit Richer, our host Iona Bain is joined by Mike Hiner, who’s an estate planner from Strategic Asset Protection. Together they discuss the practical steps, common misconceptions and the small actions you can take now that will make a huge difference for the people you would leave behind. From choosing who you’d like to benefit from any cherished possessions and savings to ensuring the paperwork is legally binding - we are making the conversation around this important admin feel a little less overwhelming. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer You can find Mike on TikTok @theassetprotectionguy Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser. See omnystudio.com/listener for privacy information.

Is Your Attitude To Money Making You Poorer or Wealthier?

How does your attitude towards money affect your current finances and shape your long-term financial wellbeing? And where does this mindset come from? From your spending and saving habits to how much you can earn and what you think you’re worth. It has all been quietly shaped by your family, your upbringing and your friends. All the little messages you were absorbing without even realising have played a part in shaping your attitude towards finances or money script. And it ultimately shapes your future financial wellbeing. In this episode of A Little Bit Richer, our host Iona Bain is joined by Selina Flavius, Financial Coach and Author of Black Girl Finance. Selina went from having a huge fear around money and debt, to shifting her attitude and allowing herself to thrive financially. Together they delve into the different money scripts we have, the behaviours they encourage and how we might want to re-write them if they’re not serving us. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer For more information on Selina Flavius and to see her work, you can check out Black Girl Finance Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser. See omnystudio.com/listener for privacy information.

Family Planning - Talking Numbers Not Nappies

Parenthood changes everything- including your bank balance. With shifts in your income, sleep deprivation and little ones to care for, how do you make sure your money is working as hard as you are? From parental leave rights and pension gaps to childcare costs and budgeting on a tighter income, the financial side of starting a family can feel overwhelming. But it doesn't have to. In this episode of A Little Bit Richer, our host Iona Bain is joined by Katie Guild, mum and co-founder of Nugget Savings - the online financial community, offering membership, masterclasses and the tools to help parents forecast and plan whilst navigating their money and their rights Together they explore all the financial aspects of starting and raising a family, childcare support and ways to thrive while balancing it all. So whether you're thinking about starting a family, already expecting or in the thick of those early years- this one's for you. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer For more information on managing finances and your rights when starting a family, check out Nugget Savings website Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser. See omnystudio.com/listener for privacy information.

Under The Bonnet On Car Finance: What You Need To Know

Buying a car used to be relatively simple. But with so many options and ways to buy nowadays, it can be tough to know which option is best and what you’re actually signing up for. With approximately 80% of new cars in the UK now bought on finance, it’s a decision millions of people are making, often without fully understanding the options and the impact on their long-term finances. In this episode of A Little Bit Richer, our host Iona Bain is joined by Stuart Masson, founder of The Car Expert. Stuart unpacks the economics of car ownership and shares lots of knowledge to help you understand the fine print behind car buying and how choosing the wrong option now can impact your future finances. From HP, to PCP, to taking out a personal loan, Stuart breaks down what the different finance options actually mean, the hidden costs to watch out for, and how to decide what is best for you. So if you’ve been considering a new set of wheels, this episode will help you better understand all the ways you can pay for it and the pros and cons of each option. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer For more information on car buying check out The Car Expert website Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser. See omnystudio.com/listener for privacy information.

Your Workplace Pension - The Easiest Way To Build Wealth?

If you think pensions are complex and something to put off for another day, then this episode is probably for you. In this episode of A Little Bit Richer, our host Iona Bain is joined by Tom Trennery from the Workplace Pensions team at L&G to recap the basics. Tom highlights how the choices we make about our pension savings now will impact the life we can live in later years. Tom breaks down why your workplace pension might actually be one of the easiest (and smartest) ways to build long-term wealth. And together, they unpack how it all works, from your contributions, your employer’s top ups (aka “free money”) and why tax perks make workplace pensions so powerful. If you’ve not taken much notice of your workplace pension, this episode will help you feel more in control. Tom shares practical tips to help you boost your pension pot over time, without too much of an impact on your current lifestyle - and ultimately reminds us that making smart moves today will help you have the life you want tomorrow. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer The pension consolidation episode that Tom & Iona reference is called: The Easy Explainer to combining your pension savings The Easy Explainer on Combining Your Pension Savings - A Little Bit Richer - Omny.fm Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser. See omnystudio.com/listener for privacy information.

What Your Future Self Would Want You to Do Right Now

What does your future financial self really need from you today? In this episode of A Little Bit Richer, our host Iona Bain is joined by financial educator and content creator Tolu Frimpong to explore the powerful (and often overlooked) relationship between your present-day decisions and your longer-term wealth. Tolu shares the real-life choices and mindset shifts that transformed her relationship with money. And together, they unpack being stuck in “survival mode” with finances, why you can’t afford not to invest in your future and how your identity shapes your financial outcomes. If you’ve ever told yourself “I’ll start saving later” or “I just don’t have enough,” this episode will challenge that thinking and give you practical ways to start showing up for your future self today and make that life a little bit richer. Because whether you plan for it or not… your future is coming. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Follow Tolu on Instagram Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser. See omnystudio.com/listener for privacy information.

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The Secret to Investing Like a Pro

In part two of our investing special on A Little Bit Richer, Iona Bain is back with financial educator and founder of Vestpod, Emilie Bellet. Together they unpack the practical side of investing from building a balanced portfolio to understanding risk, diversification and the difference between passive and active investing. They talk about a good mindset, why spreading your money across a range of investments matters, and Emilie shares a simple habit that can help you build wealth over time. So if you’d like to be more active with investing, this episode will give you a roadmap. If you missed part one, go back and listen to their chat on the foundations of investing – ‘Why playing it safe with money can be risky’. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Follow Emilie on Instagram Just a reminder that investments are for the longer term. Their value will go down as well as up and you may get back less than you put in. Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser. See omnystudio.com/listener for privacy information.

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Why Playing It Safe with Money Can Be Risky

In this first part of a two-episode investing special on A Little Bit Richer, our host Iona Bain sits down with financial educator and founder of Vestpod, Emilie Bellet, to explore the foundations of investing. Emilie and Iona talk through the differences between saving and investing and offer some tips for those who’re keen to build their longer term wealth. They delve into the emotional side of investing and how fear, greed, FOMO and panic can all influence our decisions, often at the worst possible moments. Emilie shares some of her early mistakes with tips on keeping calm in chaotic markets. Then they discuss balancing short-term goals with long-term investing. Whether you’re already investing, thinking about starting, or currently sitting on the sidelines, this episode will help you understand the mindset behind successful investing and why even small steps can make a meaningful difference, helping you be a little bit richer in the future. Stay tuned for Part Two where we’ll get practical on ways to build a diversified portfolio that works for you. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Follow Emilie on Instagram Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser. See omnystudio.com/listener for privacy information.

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ISAs Explained: How to Make Your Money Work Harder

With new ISA changes announced in the Autumn Budget and updates to cash ISA limits on the horizon, now is the perfect time to get clear on how these powerful, tax-efficient savings and investment tools can help you build long-term financial confidence. In this episode of A Little Bit Richer, our host Iona Bain is joined by Paula Hughes from L&G to demystify the world of ISAs and help you understand how they can work for you at every stage of life. Together, they explore the different types of ISAs available and how to choose the best one for you. They also discuss the “use it or lose it” rule and what the upcoming changes could mean for savers and investors. So whether you’re saving for your first home, building long-term wealth, or simply trying to protect your money from inflation, this episode will help you decide how to make your ISA allowance work harder for you. Because when it comes to tax-efficient growth, the earlier you start, the bigger that snowball can get for a future that’s a little bit richer. You don’t pay tax on the interest, income or capital gains you make inside an ISA. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser. See omnystudio.com/listener for privacy information.

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Financial Survival Tips for The Self-Employed

Being self-employed can be incredibly freeing but financially, it can also feel like a rollercoaster. In this episode of A Little Bit Richer, our host Iona Bain is joined by accountant and behavioural expert Krystal McGilvery to discuss ways to manage money when your income isn’t guaranteed. From cash-flow anxiety and chasing invoices to saving for retirement without an employer pension, Krystal shares practical, no-nonsense tips to help you feel more in control of your finances. Together, they explore how to smooth out irregular income, build a financial buffer and plan for the long term, without sacrificing the freedom and joy that comes with being your own boss. So whether you’re newly self-employed, years into freelancing, or just thinking about taking the leap, this episode is packed with reassurance and clarity to help you build a more stable and sustainable financial future that’s a little bit richer. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Follow Krystle on Instagram Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser. See omnystudio.com/listener for privacy information.

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What You Need to Know About Divorce, Money and Starting Again

Divorce can emotionally, practically and financially turn your world upside down. In this episode of A Little Bit Richer, our host Iona Bain is joined by friend of the show Jenny Hazan to unpack the impact on your finances when a relationship ends and how to protect your future. Drawing on both her professional expertise at L&G and her personal experience of divorce, Jenny explains why separation is often “two break-ups”, how the so-called “singles tax” can hit overnight, and she shares one of the most overlooked areas of divorce that can prevent regret later in life. Whether you’re navigating a divorce, supporting someone who is, or simply want to be better prepared for the future, this episode offers reassurance and practical steps for taking control of your finances one step at a time. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer You can find the Pension Calculator here: Pension Calculator | Legal & General Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser. See omnystudio.com/listener for privacy information.

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These Books Will Change How You Think About Money

In our special Book Club episode, we’re starting the year a little differently by digging into the books that can genuinely transform how we think, feel, and behave around money. Because personal finance isn’t just about numbers. It starts with mindset, habits, and our relationship with money. Our host Iona Bain is joined by self-confessed bookworm Sean Philip from L&G’s Workplace Pension team, to explore four powerful reads: The Psychology of Money by Morgan Housel Money Together by Heather and Doug Boneparth Atomic Habits by James Clear The Anxiety Solution by Chloe Brotheridge Together, they unpack the big ideas, uncomfortable truths, and “aha” moments from each book. From why consistency beats luck when building wealth, to how couples can talk about money without conflict, how habits shape financial confidence, and why tackling anxiety is key to making better financial decisions. Whether you’ve read all four books, skimmed the highlights, or haven’t picked them up yet, consider this your guided tour through the insights that really matter and the small changes that can make a big difference to making your financial future a little bit richer. You can watch episodes on L&G’s YouTube channel And see behind the scenes content on TikTok and Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from Legal & General’s take on things. They give information for a UK audience that’s relevant at the time of recording. See omnystudio.com/listener for privacy information.

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