Switch Your Money On

Sarah Coles and Helen Morrissey explain HMRC self-assessment, including the self-assessment tax return deadline, late filing penalties, common mistakes, what to do after the deadline passes and how to amend a return. They cover who needs to file, pension tax relief, capital gains, child benefit charges and what to do if you miss the deadline.

This podcast isn’t personal advice. If you’re unsure what’s right for you, seek financial advice. Tax and pension rules can change, and benefits depend on personal circumstances. Investments can fall as well as rise in value, so you could get back less than you invest.
Hosted on Acast. See acast.com/privacy for more information.

In this episode, Emma Wall and Sarah Coles unpack the latest bout of global market volatility and what it means for investors.

They discuss the impact of geopolitical tensions, from Greenland and Venezuela to renewed focus on Trump, tariffs and trade risks – and how these forces are shaping global stock markets. The episode looks at why gold and defence stocks are back in focus, what recent client activity reveals about investor behaviour, and where risks and opportunities may be emerging.

This podcast isn’t personal advice. If you’re unsure what’s right for you, seek financial advice. Pension and tax rules can change, and benefits depend on personal circumstances. Investments can fall as well as rise in value, so you could get back less than you invest.
Hosted on Acast. See acast.com/privacy for more information.

In this episode, Sarah Coles and Helen Morrissey explore the hidden financial risks that can catch people out in mid-life. They talk about job losses among older workers, the financial impact of ill health and divorce, and why many people discover gaps in their emergency savings and pensions later than they expect.

This episode also covers how to build financial resilience by reviewing the protections you have in place – looking at life insurance, income protection and critical illness cover.

This podcast isn’t personal advice. If you’re unsure what’s right for you, seek financial advice. Pension and tax rules can change, and benefits depend on personal circumstances. Investments can fall as well as rise in value, so you could get back less than you invest.
Hosted on Acast. See acast.com/privacy for more information.

In this episode, Sarah Coles and Helen Morrissey explore how much debt UK households are really carrying and why borrowing can quietly spiral out of control, even for higher earners.
They also share practical steps for tackling debt, including prioritising repayments, choosing between the avalanche and snowball methods, cutting costs, and using balance transfers carefully, alongside the importance of emergency savings in avoiding future debt.
This podcast isn’t personal advice. If you’re unsure what’s right for you, seek financial advice. Tax and pension rules can change, and benefits depend on personal circumstances. Investments can fall as well as rise in value, so you could get back less than you invest.
Hosted on Acast. See acast.com/privacy for more information.

In this episode, Sarah Coles and Helen Morrissey look ahead to what 2026 could hold for your finances.

They discuss key dates to watch in the year ahead, including the rise in the state pension, higher dividend tax and the continued freeze on income tax thresholds. The episode also explores what this means for savers, investors and pensioners and the outlook for household financial resilience.

This podcast isn’t personal advice. If you’re unsure what’s right for you, seek financial advice. Pension and tax rules can change, and benefits depend on personal circumstances. Investments can fall as well as rise in value, so you could get back less than you invest.
Hosted on Acast. See acast.com/privacy for more information.