Welcome this is Season 14 Episode 1 of Zulftalks Podcast Working for Yourself. Today I delve into a wealth of valuable information. Particularly focused on money and how to save money. I aim to guide you through various aspects, including bank accounts, credit cards, mortgages, and borrowing. Let’s focus on how to save money first.

A Personal Journey: Navigating Finances

Drawing from my personal experiences, I’ll share insights, not as financial advice, but as practical information to help you understand the roadblocks and challenges. From overcoming obstacles to navigating the intricacies of borrowing money as a limited company, we’ll explore how these lessons apply to private individuals and small, self-employed businesses.

Record Keeping: A Crucial Aspect

Understanding the importance of record-keeping, especially for tax returns, is fundamental. I’ll discuss various methods, including my use of Excel spreadsheets during my self-employed journey. Additionally, stay tuned for a dedicated episode this season, where I’ll showcase and provide a downloadable version of my spreadsheet—a valuable resource for effective financial management.

How to Save Money

The main focus is understanding where you are and how much you already spend. Then we can track the ways you can save even a little each day or month. This can then build up to a nice saving over time. In my podcast i discuss a lot more details so check that out here or even the video on Spotify. I will embed that video here to make it easy for you.

Evaluating Financial Tools: Apps, Spreadsheets, and More

This season will also shed light on financial tools, exploring the realm of apps, spreadsheets, and tracking mechanisms. With approximately 30 episodes planned, we’re at the inception of a journey that aims to empower you with practical knowledge and resources.

Assessing Expenses: A Critical Examination

A key aspect of managing finances is scrutinizing expenses. Using examples like Amazon Prime, we’ll explore the thought process of questioning services, evaluating benefits, and determining whether certain expenditures are essential. I’ll share considerations on how these decisions can impact your overall financial landscape.

Savings Strategies: Balancing Big and Small Expenses

Uncover strategies for saving money by balancing significant expenses, such as car insurance, against smaller monthly subscriptions. Learn the art of questioning and negotiating to ensure you’re getting the best value for your money. Small changes can accumulate into substantial savings over time.

Looking Ahead: Individual Bank Accounts

In a future episode, we’ll dive into the intricacies of individual bank accounts. From payment methods and credit cards to credit references and borrowing, we’ll explore how these factors contribute to building a robust financial profile—crucial for both individuals and new businesses.

Season 14 Preview: Setting the Stage

As we embark on Season 14, expect an engaging exploration of opening bank accounts, tailored especially for our audience in the UK. While some insights may be universally applicable, the focus remains on providing context for various finance systems. Stay tuned for a season dedicated to unraveling the complexities of finances and empowering you on your financial journey.

Conclusion and Resources

For detailed show notes and additional resources, visit my website at ZTtalks.com. Your reviews and feedback, wherever you’re tuning in, are highly appreciated. Don’t forget to sign up for the mailing list on the website for valuable information to support you on your journey of working for yourself. Episode two awaits, where we’ll guide you on setting up a bank account—a crucial step often overlooked in traditional education. Let’s navigate the financial landscape together!

Think of this podcast as if you are sitting and chatting with friends. A lot of business tips and advice on how I progressed from my 9-5 office role to a Director of my own company. There will be banter about success and financial freedom the odd motivational speech to also give you a boost. I will share thoughts on various subjects and use this to document my career journey occasionally joined by guests. be sure to reach out if you have any questions. Resources:

This Season has its own dedicated show notes and resources on my website – www.ZulfTalks.com.

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Clarity

📣: The information talked about in this episode is not financial advice or recommendations. The information does not constitute financial advice or recommendation and should not be considered as such. I am not regulated by the Financial Conduct Authority (FCA), therefore not authorised to offer financial advice. Do your own research and seek independent advice when required.

📣Views and opinions expressed in this episode by the guests and or speakers are those of their own and do not necessarily reflect the views of Zulftalks.com or TrustedCreators.org. Having guests on this podcast does not endorse them, their services or their products.

🎯Disclaimer: Please see the link for our disclaimer policy for all of our videos on the TrustedCreators, ZulfPhotography and other encompassed channels created by TrustedCreators LTD here- https://trustedcreators.org/disclaimer/