Skint

What IS a divident?
This week, Connie and Mik break down dividends - what they actually are, how they work, and why some people get weirdly excited about being paid for… doing nothing.
Connie learns exactly what a dividend is (spoiler: it’s not free money falling from the sky, sadly), how dividends show up on fund platforms, and why people talk about them so much when investing for the long term.
They also dig into how dividends can be used alongside the so-called 8th wonder of the world - compounding - and why reinvesting those small, boring payments can quietly turn into something much bigger over time.
If you’ve ever wondered why investors care about dividends, how they fit into funds, or whether they’re worth paying attention to at all, this episode makes it simple, practical, and very normal-person friendly.
For education and entertainment only. Not financial advice ❤️

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.