Keep The Change

• Spend smarter this Christmas with Tynah Matembe

  Christmas is meant to feel joyful, but between gifts, travel, food, and family plans, December can quickly turn a bit manic. Tom is joined by Tynah Matembe, founder of MoneyMatix, to share simple ways to enjoy the festive season without overspending. Expect honest chat on setting a Christmas budget, having “awkward” money conversations, cheaper gift ideas (including the Boxing Day trick), and how to reset in January by taking stock and setting one clear intention.Send us a text

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• The Autumn Budget 2025: What changed, what didn’t, and what to do next

  The Autumn budget landed yesterday: the headlines were noisy and the detail was confusing, so we pulled it apart.Tom and Kristian break down the Autumn Budget in plain English: What changed, what stayed frozen, and what this means for your money. We also took some of your questions to bring the changes to life.Got ideas for our next episode? Send us a textSend us a text

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• Parenthood, pay and pensions: two CEOs on beating the penalty

  Kids are pricey. But the hidden costs hit harder: not in your trolley, but in your payslip, pension and career.Tom is joined by two female CEOs to unpack the parenthood penalty and how to fight it. Michelle Kennedy, founder of Peanut and author of It Takes a Village, shares what new mums really face. Ruth Handcock, CEO of Octopus Money, explains why childcare is an investment in your career and how planning early changes outcomes. You’ll hear honest talk on parenthood and how two leaders are rewriting the rules on work, family and finance.Send us a text

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• How to Prepare for the Autumn Budget

  The Autumn Budget always grabs attention. This year’s, on 26 November, has sparked plenty of speculation about what it could mean for pensions, property and investing. But what really matters for your money?In this solo episode of Keep the Change, Tom Francis, Head of Personal Finance at Octopus Money, takes a look at the Autumn Budget rumours: what’s realistic, what’s just noise and how to prepare your finances before any changes land.This podcast is for informational purposes only and does not constitute personal advice. Send us a text

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• The True Cost of Divorce with Kate Daly

  Divorce can be messy. Not just emotionally, but financially too. Legal fees, two sets of lawyers, two homes: the costs rack up fast.After going through it herself, Kate Daly co-founded Amicable to prove there’s a better way and help people separate without the stress. She joins Elsie to talk about the real price of splitting up, the financial traps people don’t see coming, and how to get back on your feet without staying stuck in survival mode.And stick around for this week’s Dear Elsie, where Kate tackles your money questions.Send us a text

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