'Where Your Treasure Is...': The Podcast where Faith and Finance Meet

In the first episode of this season of Faith and Finance Top 10s, Simon selects his Top 10 Bible Passages about Money and Possessions.Some key points of interest covered in this episode include the following:Simon and Bex start off the episode by explaining that this new season will comprise ten ‘Top Ten’ lists on a faith and finance theme, starting off with Simon’s favourite ten biblical passages about money and possessions. [00:52]Simon’s first choice is a verse which underpins many of the comments that he has made about stewardship in this podcast - Psalm 24.1: ‘The Earth is the Lord’s, and everything in it’. [03:17]Being disciplined in giving is a theme covered in Simon’s second selection, 1 Corinthians 16.1-2: ‘Now about the collection for the Lord’s people: Do what I told the Galatian churches to do. On the first day of every week, each one of you should set aside a sum of money in keeping with your income, saving it up, so that when I come no collections will have to be made.’ [05:10]Simon’s third verse (Mark 12.43) makes a significant contribution to the topic of how much we should give: ‘Truly I tell you, this poor widow has put more into the treasury than all the others.’ [07:13]Simon uses the well-known expression, ‘God loves a cheerful giver’ (from 2 Corinthians 9.7) to introduce some comments about the importance of our attitude when we give. [09:11]Simon then comments on Acts 4.32-37, especially verses 34-35: ‘For from time to time those who owned land or houses sold them, brought the money from the sales and put it at the apostles’ feet, and it was distributed to anyone who had need.’ [11:40]Simon draws attention to how love can be expressed through the use of money, as illustrated through the ‘Parable of the Good Samaritan’ and Luke 10.35, in particular: ‘The next day he took out two denarii and gave them to the innkeeper. “Look after him,” he said, “and when I return, I will reimburse you for any extra expense you may have.”.’ [14:14]Simon’s next choice, Matthew 6.19-21, is a passage that is well known to the listeners of this podcast: ‘Do not store up for yourselves treasures on earth, where moths and vermin destroy, and where thieves break in and steal. But store up for yourselves treasures in heaven, where moths and vermin do not destroy, and where thieves do not break in and steal. For where your treasure is, there your heart will be also.’ [16:20]Warnings are also included in the Bible verses selected, with Ezekiel 28.5 sounding a note of caution: ‘By your great skill in trading you have increased your wealth, and because of your wealth your heart has grown proud.’ Simon then takes the opportunity to sneak in an additional warning verse in the form of 1 Timothy 6.10: ‘For the love of money is a root of all kinds of evil.’ [19:02]The Parable of the Shrewd Manager also provides a warning, with Luke 16.10 making it clear that there will be consequences if we mismanage the resources that have been entrusted to our care: ‘Whoever can be trusted with very little can also be trusted with much, and whoever is dishonest with very little will also be dishonest with much.’ [20:57]Simon’s final verse in his top ten list comes from the Parable of the Talents, with Matthew 25.23 putting forward an end of life accolade that is worthy of our aspiration: ‘Well done, good and faithful servant!’ [22:13]The focus of our next episode will be on ten ways to achieve a healthy relationship with money. [23:21]Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

In this bonus episode, Simon and Bex discuss FAQs relating to the faith and finance choices that we make as individuals.Some key points covered in this episode include the following:The first question from a listener about individual faith and finance choices is from Charlie, who asks about giving principles: how much should we give, and to whom or what should we give? [02:24]The next question is from Morven, who is interested in hearing thoughts about principles that can help us to decide how much it is appropriate to spend on ourselves. [09:14] Simon then provides responses to three questions from Bex that are particularly relevant to the later stages of life: (i) Should Christians take out life / health insurance? [13:40]; (ii) What should the Christian attitude to inheritance be? [16:28]; (iii) What are three top faith and finance tips that Christian parents can pass on to their children? [20:38]A couple of questions about how we should react to financial stress are then posed by Ruth, through Bex. [23:33]Next up, Simon comments in response to three questions about best practice when managing church finances that were sent in by Guy. [27:19]The final question provided by listeners was submitted by Alison, who asks: ‘How do we step out in faith responsibly?’ [32:15] Simon rounds off the episode by encouraging listeners to get in touch with requests for topics to be discussed on the podcast, especially as future plans have not yet been finalised. [33:54]Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

In this bonus episode, Simon and Bex discuss FAQs about using our money in an ethical and responsible manner that benefits society. Some key points covered in this episode include the following:Bex explains that the Season 7 bonus episodes will feature faith and finance FAQs. The first episode focuses on using our money in an ethical and responsible manner that benefits society and the second one explores issues to do with our personal finances and the choices that we make in that context. [00:30] The first question from listeners that Bex poses to Simon is from Don: ‘How much should we be digging to find out what our money is funding down the chain whilst it sits in bank/savings/investment accounts, and what options are available to us for more 'ethical' investing?’ [02:33]Reflecting on ways of influencing situations [07:23], Bex notes that campaigns and protests can become quite complex in their impact and invites Simon to share his thoughts on that area. [08:36]Simon explains and explores the issues that arise when trying to achieve a good balance between benefiting from investments and creating benefits by investing. [10:46] For those wishing to take an ethical approach to investing, Simon describes a range of options that runs from ESG (Environmental, Social and Governance) investing through Ethical and Impact investing to Philanthropy. [11:54] He then goes to speak about some steps that are being taken to reduce the ability of companies to ‘greenwash’ their products in order to make them appear more ethical and responsible than they actually are. [15:36]In response to a question from Bex, Simon outlines some suggestions that can help us to identify and implement ways of using our money to support causes that we are passionate about. [18:39]Bex then asks Simon for some top tips for anyone interested in setting up a Christian charity or social enterprise. [21:51]Simon proffers some comments about whether or not there should be any expectation that church members should provide services to churches at preferential rates. [26:44]Simon provides three top tips for ways in which Christians can make a difference in a financial context. [30:26]The second bonus episode of this season will focus on FAQs relating to the faith and finance choices that we make as individuals. [31:47]In closing, Simon recommends the information and resources provided by the charity, ‘Stewardship’, as being relevant and helpful in connection with the content of this episode. [32:22] Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

In the final episode of this season on financial FAQs gleaned from the Internet, Bex picks Simon’s brain on the topic of Scams.Some key points of interest covered in this episode include the following:Bex introduces the topic of Scams [00:33] before asking Simon whether he thinks that the number and type of scams are increasing. [03:07]In response to a question from Bex, Simon identifies three main warning signs / red flags to watch out for: an offer that is too good to be true [04:06]; when help is requested for a crisis situation that is too bad to be true [05:43]; tell-tale language, formatting and tone clues [09:02]. She also asks Simon about common scams and current trends. [11:42]Simon gives some tips for dealing with potential scams [13:55] and then goes on to give advice about what to do if you become the victim of a scam. [15:25]Simon provides listeners with four top tips to help them to avoid being scammed. [21:08]Simon explains that a couple of bonus episodes on the theme of faith and finance FAQs will be forthcoming shortly and invites listeners to send in their questions. [23:31]Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

In the penultimate episode of this season on financial FAQs gleaned from the Internet, Bex picks Simon’s brain on the topic of Taxes.Some key points of interest covered in this episode include the following:Bex starts off by asking Simon what tax is and how it works. [01:32]In response to further questions from Bex, Simon explains the nature and practicalities of each of the following: National Insurance [06:06]; Income Tax [11:11]; VAT [12:53]; Capital Gains Tax [16:07]; Inheritance Tax [19:17].Simon explains what is meant by ‘tax efficiency’, ‘tax avoidance’ and ‘tax evasion’ [21:39] and goes on to outline three HMRC and Government approved tax avoidance mechanisms that exist in the UK: pensions [22:22], ISAs [22:56] and Charitable Giving [23:18].Bex asks Simon to explain the circumstances in which someone in normal employment should complete a tax self-assessment. [24:27]Simon provides three top tips arising from this week’s discussion. [26:53]The final episode of this season will focus on the subject of Scams. [29:29]Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

In the sixth episode of this season on financial FAQs gleaned from the Internet, Bex picks Simon’s brain on the topic of Financial Planning.Some key points of interest covered in this episode include the following:Bex starts off by asking Simon about the nature of financial planning, whether anyone can do it, [01:43] and how best to go about it. [02:59]Bex goes on to ask Simon to explain how financial planning can help us to identify when we can retire [08:36] and whether or not there are any general guidelines regarding how much we should aim to save towards a pension. [12:02]Simon outlines the different kinds of pension that are available and how they operate. [14:46]Bex draws attention to some previous podcast episodes on the themes of pensions and planning for retirement (Season 2 Episode 6, Season 2 Episode 7 and Season 3 Episode 2) which may be of interest to listeners. [19:18]Simon suggests that there are two main circumstances in which it can be particularly helpful to seek assistance with financial management and planning. [19:45] In response to a request from Bex for recommendations of helpful resources that are freely available, Simon draws attention to the ScamSmart, Money Helper and Money & Pension Service websites. He also notes that you can check your state pension online. [22:37]Simon provides three top tips arising from this week’s discussion. [25:51]The focus of next week’s episode will be on Taxes. [28:34]Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

In the fifth episode of this season on financial FAQs gleaned from the Internet, Bex picks Simon’s brain on the topic of Buying a House.Some key points of interest covered in this episode include the following:Bex starts off by asking Simon for his thoughts on how we know whether or not it is appropriate and prudent for us to decide to buy a house. [02:02]Bex goes on to ask Simon to explain the nature and purpose of a mortgage. [03:26]Bex then follows up with questions about what kind of deposit is required for a mortgage [08:21] and the kind of checks that lenders undertake in order to establish the ability of a borrower to pay off the mortgage being requested. [10:16]Further questions asked by Bex are as follows: Are mortgages fixed or variable? [13:53] Are mortgages secured or unsecured? [16:18] Can mortgages be paid off early? [17:29] What additional costs need to be included in a budget when planning to buy a property? [22:36]Simon provides three top tips arising from this week’s discussion. [25:01]The focus of next week’s episode will be on Financial Planning. [28:57] Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

In the fourth episode of this season on financial FAQs gleaned from the Internet, Bex picks Simon’s brain on the topic of Investing.Some key points of interest covered in this episode include the following:Bex starts off by asking Simon to explain what investing is [01:13] before going on to enquire about how Christians should approach that topic. [04:05]Bex then asks Simon a series of questions to which people have been frequently looking for answers on the Internet: What is an ISA [06:30], and also a LISA? [07:42] What are bonds? [09:29] What is an ETF? [11:40] What are ‘short term’, ‘medium term’ and ‘long term’ periods of time, in a financial context? [15:05] What is a hedge fund? [19:52] What are dividends? [21:20] What is cryptocurrency? [23:42]Bex asks Simon to respond to a question which she has identified as being one for which people ‘really want to know’ the answer: ‘What shares should I buy and how?’ [25:45]Simon explains what ‘advice’ means in a formal, financial context. [31:47]Simon provides three top tips arising from this week’s discussion. [33:28]The focus of next week’s episode will be on answering questions associated with buying a house. [34:27] Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

In the third episode of this season on financial FAQs gleaned from the Internet, Bex picks Simon’s brain on the topics of Borrowing and Debt.Some key points of interest covered in this episode include the following:Bex starts off by asking Simon to explain what debt is [01:39] before going on to enquire about the possible impact of taking out a loan. [03:03]In response to a further question from Bex, Simon provides information about both ‘secured’ and ‘unsecured’ loans. [04:59]Simon discusses the evolving relationship between lenders and those who provide loans for them [11:41] and points out that some arrangements are riskier than others. [14:12] Bex talks about her own experience, as a small business owner, of dealing with clients who became indebted to her. [16:37]Simon provides some comments aimed at assisting individuals who are in danger of falling into significant debt [17:39], including an explanation of consolidation loans. [19:42] Bex highlights the emotional impact that can accompany being in debt [21:57], and Simon draws attention to the helpful advice and observations provided by Ben Clift of Christians Against Poverty in Bonus Episode 2 of Season 2. [22:32]Simon provides three top tips arising from this week’s discussion, including – for anyone who is grappling with significant debt – making mention of the support that is available through charities such as Citizens Advice and Christians Against Poverty. [24:41] The emphasis will change in the next episode of this season, when the focus will be on Investment, as a principle and in practice. [28:54]Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

In the second episode of this season on financial FAQs gleaned from the Internet, Bex picks Simon’s brain on the topics of Credit Scores and Credit Cards.Some key points of interest covered in this episode include the following:Simon starts off by explaining what a credit score is [02:04] before going on to deal with related questions about the need for credit and credit scores, and how a credit score can be improved. [04:57]In response to a question from Bex, Simon describes the difference that a credit score can make to the terms of a loan. [11:57]Simon then goes on to outline how credit cards work [15:22] and the advantages and disadvantages that can be associated with using them. [17:11]Bex asks Simon to explain APR (Annual Percentage Rate) as it is mentioned frequently when credit card arrangements are being described. [23:41] His response prompts Bex to comment on the significant, negative impact of compound interest in this context. [25:42]Simon provides various pointers and suggestions for anyone wishing to take out a credit card. [26:40]Simon provides three top tips arising from this week’s discussion [29:24], including some comments about dealing with credit card debt in which he mentions a previous episode which may be of interest. [30:47]The focus of next week’s episode will be on debt and borrowing. [31:48]Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

In the first episode of this season on financial FAQs gleaned from the Internet, Bex picks Simon’s brain on the topics of Inflation, Cost of Living & Recession.Some key points of interest covered in this episode include the following:Bex and Simon introduce this new season of the podcast by explaining that it is based on which questions about finance are asked most frequently on Google. [00:35]Bex asks Simon to start things off by providing some introductory comments about inflation and cost of living. [03:02]Bex delves deeper into the potential causes of inflation, asking why prices in the supermarket have gone up when people have had less money to spend. [08:19]Bex’s next query is to ask how the Bank of England’s interest rates tie in with inflation [12:09], which prompts Simon to explain how ‘a basket of goods’ is used to calculate the annual level of inflation [14:08] and how the Bank endeavours to use interest rates to keep inflation at desirable levels. [17:17]Simon draws attention to the difference between ‘deflation’ and ‘decreasing inflation’ [20:59] and goes on to explain why it is regarded as being beneficial for an economy to have a modest level of inflation on an ongoing basis. [21:45]Bex asks Simon to explain and comment on the term, ‘recession’, which has been used widely recently in connection with the cost of living crisis. [24:26]Simon provides three top tips arising from this week’s discussion. [27:37]Points mentioned in response to a question about the options available to people who are feeling overwhelmed by the cost of living include seeking professional help from charities that provide debt support, such as CAP (Christians Against Poverty) and Citizens Advice. It was also noted that this podcast’s Season 2 Bonus Episode on ‘Providing Support during the Cost of Living Crisis’ might be of interest. [30:35]The focus of next week’s episode will be on credit scores and credit cards. [34:09]Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

In this bonus episode, Simon and Bex talk faith and finance with Chuck Freeland, Lead Pastor of a multi-site church in Aberdeen / Aberdeenshire. Some key points covered in this episode include the following:Chuck introduces himself, explaining how he became a Christian and the steps that led him and his wife, Taryn, to become lead pastors of a multi-site church serving the North-East of Scotland. [01:51]In response to questions from Simon and Bex, Chuck reflects on his experience of endeavouring to ensure that the decisions that he makes – on a personal level and also on behalf of the church – are always in harmony with God’s will. [05:10] Simon asks Chuck to speak about how finance fits into his job description. [10:52]In light of the finance-related pressures that can be experienced by church leaders, Bex asks what members of a congregation can do to be supportive. [16:24]Chuck describes the kind of faith and finance journey that can happen as people become involved in a church. [18:54] Simon asks Chuck how he deals with the challenge of talking about money matters in a context in which individual financial circumstances can vary very significantly from person to person. [24:04]Chuck talks about how much he values the journey that he, Taryn and their children have experienced in connection with generosity and God’s provision. [26:10]At Simon’s request, Chuck provides a couple of summaries of how he tends to convey key biblical principles about money, wealth and possessions to a congregation. [28:35]Bex then invites Chuck to outline what it looks like when the principles being described are applied to the working environment of the church. [31:18]Prompted by Simon, Chuck goes on to comment on the challenges that can arise when trying to be financially prudent and realistic while at the same time making room for faith to play a significant role in decision-making. [33:41]Chuck concludes his comments by explaining why he thinks that the local church is worthy of strong consideration when Christians are thinking about their giving and the causes that they would like to support. [35:13]Simon rounds off the episode by talking about the benefits that can arise when faith and finance combine; he also invites listeners to get in touch with their comments, questions and suggestions. [36:49]Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

In this bonus episode, Simon and Bex talk faith and finance with Mark Whittington, Senior Lecturer in Accounting & Finance at Aberdeen University.Some key points covered in this episode include the following:*Mark introduces himself, explaining how he became a Christian and the steps that led him to follow a university career as an Accounting Academic. [01:30]*In response to a query from Bex about his approach towards financial issues, Mark highlights the importance of asking good questions and being open to information and opinions from a wide range of sources and perspectives. [05:11]Simon follows up by asking Mark whether we tend to be too ‘culturally narrow’ in our interpretation of faith and finance matters, which in turn leads to Bex recommending ‘Misreading Scripture with Western Eyes: Removing Cultural Blinders to Better Understand the Bible’ (by E Randolph Richards & Brandon J O'Brien) for anyone interested in delving further into that area. [09:40]*Mark explains what he means by ‘financialization’ as a term to describe the way that money can be used as a universal form of measurement within society. [12:30]*Simon comments that King David’s reliance on the size of his army, as recorded in 1 Chronicles 21.1-2, provides an interesting comparison with the way in which we can rely on money rather than on God and our relationship with Him. [15:44]*Mark provides a couple of examples to illustrate how his own attitude to money as a measurement of success has changed over time. [16:55]*Simon asks Mark to identify key questions [20:12] and principles [22:44] that he feels are significant regarding how we deal with money.*With reference to the Parable of the Rich Fool (Luke 12.16-21), Mark engineers a question of his own, asking Simon about how, in his professional role, he helps clients to strike a healthy balance in their relationship with money. [24:55]*Mark mentions the temptations that were dangled before Jesus by the Devil (Luke 4.1-13) and then goes on to reflect on the importance of maintaining integrity on the journey that we each make in connection with our own finances. [31:16]*Prompted by Bex, Simon explains that Season 7 of the ‘Where Your Treasure is…’ podcast will take as its starting point the challenge of trying to provide helpful, faith-related responses to some of the most Frequently Asked Questions about financial matters on the Internet. [32:38]Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

In the concluding episode of the ‘Money According to the Bible’ season, Simon and Bex discuss various points made in the final books of the Bible about wealth, possessions and our attitudes towards them.Some key points of interest covered in this episode include the following:Bex starts off by noting the prominence given to Moses in the Letter to the Hebrews (Hebrews 11.24-28) as a result of his decision to place his faith in God rather than relying on the wealth and status to which he was entitled. [01:31]The focus then turns to the Book of James, starting off with his call to put belief into action and to ‘walk the walk’ as well as ‘talking the talk’, as illustrated by his words in chapter 2 verses 14-17. [05:48]James expands on the nature of ‘religion’ that is ‘pure and faultless (James 1.27) by stressing the importance of acting out of humility and without any selfish motivation (James 3.13-16). [09:34]James’s warning and strong words for ‘the rich’ (James 5.1-6) prompt Bex and Simon to reflect on the implications for us and for modern society as far as issues such as fair pay, fair trade and ethical shopping are concerned. [12:23]The final point that Simon highlights from the Book of James is the emphasis placed on adopting a God-focused attitude - ‘if it is the Lord’s will’ – as a crucial element of our decision-making processes (James 4.13-17). [16:28] Prompted by the words of 1 Peter 2.18-20, Bex asks Simon for his thoughts on how we should respond when we encounter unfairness in our lives. [18:17]In response to the warning about idols found in Revelation 9.20, Bex and Simon discuss the modern-day preoccupations that can replace God’s rightful place in our lives. [21:55]Simon draws attention to the fact that our attitude to money has been a key theme throughout this podcast season and that it is no surprise, therefore, that the final book of the Bible includes statements designed to turn around our perception of riches and wealth (Revelation 2.9 and 3.17). [24:30]The recurring theme of stewardship is also revisited and reinforced in a passage about the judgment of the dead (Revelation 20.11-12). [25:21]Season 7 of the ‘Where Your Treasure Is…’ podcast is likely to return to matters relating to practical financial planning. In the meantime, listeners should watch out for a couple of bonus episodes that will be coming up soon. [27:55]Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

In the penultimate episode of the ‘Money According to the Bible’ season, Simon and Bex discuss various points made in the Letters of Paul about wealth, possessions and our attitudes towards them.Some key points of interest covered in this episode include the following:Simon explains that the focus of this episode will be on the money-related themes covered by Paul in his letters to new and developing churches [02:02]. Bex notes that a major point picked up by Paul is God’s ownership over everything, to which he draws attention in verses such as Romans 11.36 (“For from him and through him and for him are all things”) and 1 Corinthians 10.26 (in which Psalm 24.1 is quoted: “The earth is the Lord’s, and everything in it.”). [02:44]A second major, recurring theme, as highlighted in 2 Corinthians 9.6-15 for example, is that of giving generously and cheerfully. [04:20]Prompted by comments made in 1 Timothy 5.17-18 and then in Thessalonians (1 Thessalonians 2.9 & 2 Thessalonians 3.7-9), Bex asks Simon what he thinks Paul is saying about the kind of financial provision that should, or should not, be made for church leaders and teachers. [08:24]Bex and Simon discuss the implications of Paul’s inclusion of generosity in the list of spiritual gifts that he provides in Romans 12.6-8. [12:17]Simon refers to 1 Timothy 6.6-10 (which includes the well-known statement, “The love of money is a root of all kinds of evil.”) when talking about the need to train our hearts to be disposed towards ‘giving’ rather than ‘wanting’. [16:52]Simon identifies one final progression that is required to complete the journey of our hearts in their relationship with money: the importance of being motivated by love in all that we do, as mentioned in 1 Corinthians 13. [18:50]Simon draws attention to some of Paul’s other observations about money, wealth and possessions in his letters, including comments on issues relating to the workplace. [20:30]Quoting 2 Corinthians 12.14 (“Children should not have to save up for their parents, but parents for their children.”), Bex asks Simon what the financial relationship between parents - especially as they grow older - and their children should be. [24:11]When wrapping up the episode, Simon refers to 1 Timothy 6 again – verses 17-19 on this occasion – to emphasise the importance of the recurring message from the Bible that we should not rely on money but should regard it as a tool or a resource, instead placing our trust in God. [26:21]The final episode of this season will explore what the books of the New Testament that haven’t been covered yet, including the Book of Revelation, have to say about money. [28:33]Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

In the sixth episode of the ‘Money According to the Bible’ season, Simon and Bex discuss various points made in the Book of Acts about wealth, possessions and our attitudes towards them.Some key points of interest covered in this episode include the following:Bex and Simon introduce this episode, which explores what we can learn from the way that the early church dealt with money and possessions, as described in the Book of Acts. [00:54]Bex begins by asking Simon for his thoughts on two very well-known passages in Acts (Acts 2.42-47 and Acts 4.32-37), which describe the willingness of members of the community of believers to sell all they possessed for the benefit of others. [02:37]Simon brings in the story of Ananias and Sapphira from Acts 5 to illustrate how things can go badly wrong when underlying principles of honesty, trust and community are disregarded. [07:54]Simon and Bex reflect on the example provided by Paul, in Acts 28 and Acts 18 respectively, of an attitude of holding money, possessions and a home lightly, and also of working his passage as a tentmaker despite his priority being to preach the gospel. [11:00] Bex highlights the approach taken in Acts 6 towards providing for the widows, who were a particularly vulnerable group in society at that time. By appointing additional leaders and delegating responsibilities and tasks, the disciples found a way of meeting that need while also ensuring that they were able to continue spreading the message of hope and good news available through Jesus. [16:03] The account of Cornelius and his appeal to Peter in Acts 10 shows how one individual’s generosity and softness of heart can be used by God to produce positive and far-reaching consequences. [20:03] Simon wraps up the episode by quoting the words of Paul from Acts 20.32-35: “Now I commit you to God and to the word of his grace, which can build you up and give you an inheritance among all those who are sanctified. I have not coveted anyone’s silver or gold or clothing. You yourselves know that these hands of mine have supplied my own needs and the needs of my companions. In everything I did, I showed you that by this kind of hard work we must help the weak, remembering the words the Lord Jesus himself said: ‘It is more blessed to give than to receive.’ ” There will be more from Paul in the next episode of this season as it will focus on ‘Money According to the Letters of Paul. [23:37]Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

In the fifth episode of the ‘Money According to the Bible’ season, Simon and Bex discuss various points made by Jesus about wealth, possessions and our attitudes towards them.Some key points of interest covered in this episode include the following:When introducing the episode, Simon and Bex note that Jesus spoke extensively about attitudes towards wealth, money and possessions during his ministry and did so in a manner that was new and radical at the time. [00:36]To start off, various points are drawn out of the Parable of the Talents (Matthew 25.14-30 & Luke 19.12-27), especially the emphasis that is placed on being a good, wise and effective steward of resources by using money received wisely and effectively in support of the purpose for which it was given. [04:11]When it comes to the Parable of the Good Samaritan (Luke 10.25-37), it is suggested that the key message being put across is that what is important is not our role, status or wealth but how we use what we have. In this example, it is the understated and less ‘noteworthy’ individual who shows up his more ‘illustrious’ co-travellers by his instinctively generous action in putting aside personal inconvenience and risk to come to the aid of a victim of circumstances who has been abandoned to his fate. [09:40]The crucial importance of attitude is further illustrated in the parable of The Pharisee and the Tax Collector (Luke 18.10-14) and also by the example of sacrificial giving provided in the account of The Widow’s Offering (Mark 12.41-43 & Luke 21.1-4). [11:11]Simon then draws attention to the message conveyed via the Parable of the Hidden Treasure and the Parable of the Pearl (Matthew 13.44-45): that our perception of what is truly ‘valuable’ is subject to change when it is placed alongside something of infinite value. And when that happens, it is not just money but also reputation, power and authority that are worth sacrificing in pursuit of that new goal. [15:35]Bex asks Simon to comment on two seemingly contradictory parables associated with wealth and forward planning: the Parable of the Tower (Luke 14.28-30) and the Parable of the Rich Fool (Luke 12.13-21). Simon’s suggestion is that the distinguishing factor between the two situations is likely to be the motivation behind each of these enterprises as it seems that the second endeavour was much more of a self-serving activity than the former. [18:47]The final Bible extract explored in this episode is Matthew 6.19-21, from which the name of this podcast is derived. Simon sums up the message of this passage as being an encouragement to put our money where God wants it to go, which will have the outcome of drawing us closer to God and His purposes. [23:07]Bex warmly invites comments and feedback before eliciting from Simon that next week’s episode will consider what the Book of Acts says about money. [25:14]Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

In the fourth episode of the ‘Money According to the Bible’ season, Simon and Bex discuss various points about attitudes to wealth and possessions that are highlighted by the Old Testament Prophets.Some key points of interest covered in this episode include the following:Bex starts off the episode by remarking that, through verses such as Haggai 2.8 and Jeremiah 27.5, the Prophets continue a key theme that has run throughout the rest of the Old Testament: that everything belongs to God and our role is to be responsible and diligent in the way that we steward, on His behalf, the resources which have been entrusted to us. [02:15]Simon then uses the example of Isaiah being given a message by God for King Cyrus to highlight the importance of understanding the context in which the Prophets operated. [03:10]Simon refers to Amos 8 to illustrate another recurring theme of the Old Testament: the importance of putting God first rather than allowing greed and a preoccupation with acquiring wealth to become the factors that determine and drive our behaviour. [06:00] Encouragement to adopt a different, and life-giving, approach - of handling our possessions with integrity and as faithful stewards – is conveyed in Malachi 3.7-11. [08:13]Daniel is then introduced as a case study of an individual who consistently displayed integrity and obedience to God, even when subjected to highly challenging situations and pressures from the foreign, and very intimidating, rulers whom he was serving: Nebuchadnezzar, Belshazzar and Darius. [11:35]Simon wraps up the episode by suggesting that we can learn all kinds of things from the Prophets, including – thanks to Hezekiah’s experience, as recounted in Isaiah 38 – prompts that may cause us to reflect on ways in which we might come to terms with our own mortality. [19:02]In the next episode, the focus will switch to the New Testament and, in particular, to what Jesus had to say about money. [21:42]Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

In the third episode of the ‘Money According to the Bible’ season, Simon and Bex discuss various points about wealth and possessions that are highlighted by the Old Testament Poets.Some key points of interest covered in this episode include the following:Simon and Bex introduce the episode, with Bex commenting that The Bible Project has helpful resources that can assist us to understand and appreciate the various literary styles used in the Bible. [00:54]Simon starts off by sharing some reflections on the key biblical theme of stewardship, prompted by Psalm 24.1, one of his favourite money-related verses from the Bible: ‘The Earth is the Lord’s, and everything in it, the World, and all who live in it’. [02:57]For Bex, the poetic extract that immediately captured a significant theme for her – in this instance, the importance of dealing with debt promptly and effectively - was Proverbs 3.27-28: ‘Do not withhold good from those to whom it is due, when it is in your power to act. Do not say to your neighbour, “Come back tomorrow and I’ll give it to you”— when you already have it with you.’ [05:35]Bex and Simon discuss the Book of Ecclesiastes and the striking approach taken by the writer in using poetic form to highlight aspects of the human condition, including the frustration and sense of futility that can be experienced if God and His principles are ignored. [09:55]A number of intriguing and thought-provoking comments are made in Proverbs about attitudes and behaviour relating to work and how we go about our daily business, prompting Bex and Simon to delve into what this book of the Bible has to say about those topics. [16:42]Bex asks Simon for his thoughts on the ‘wife of noble character’ from Proverbs 31, who is held up as an example for others to follow not only in a domestic context but also in business and trade endeavours. [20:41]Simon concludes by commenting on one passage from Job and another from the Song of Songs. [25:42]The next episode in this season will explore what the Old Testament Prophets have to say about money and possessions. [29:29]Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

In the second episode of the ‘Money According to the Bible’ season, Simon and Bex discuss various points about wealth and possessions that are highlighted in the Old Testament Books of History.Some key points of interest covered in this episode include the following:Simon identifies the Old Testament Books of History and then previews some of the topics that will be covered in the episode. [00:42]David’s passion for giving generously to support the building of the temple, as described in 1 Chronicles 29, is used to draw attention to the importance that is attached throughout the Bible to being a cheerful, enthusiastic and committed giver. [03:39]Obedience and selfless integrity when dealing with financial matters is also noted as a key theme throughout the History books [06:42] and is exemplified by Samuel’s challenge to Saul in 1 Samuel 15.22 that ‘To obey is better than sacrifice’. [09:33]The story of Ruth is then used to illustrate the far-reaching and positive consequences of (i) the gleaning arrangements that, under Old Testament Law, are designed to support the poor, and (ii) the godly actions of a wealthy individual in the form of Boaz, who behaves with such compassion and integrity. [16:16]By contrast, Haman, in the Book of Esther, is the epitome of a talented, wealthy and influential figure who falls foul of events, having allowed his power and position to undermine his judgement. Meanwhile, Esther demonstrates what can be achieved by those are willing to sacrifice everything and place their trust in God. [20:33]In Simon’s concluding comments, he observes that the History Books of the Old Testament provide us with many examples of God’s people failing to hold land, possessions or wealth lightly, creating much frustration, disappointment and pain for themselves as a consequence. [24:19]The focus of the next episode will be on money-related themes that were emphasised by the Poets of the Old Testament. [25:37]Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

In the first episode of this season on ‘Money According to the Bible’, Simon and Bex identify key themes that are introduced in the Old Testament Books of the Law.Some key points of interest covered in this episode include the following:Simon explains that this new season of the podcast will explore what the Bible says about money by tracing key themes as they emerge and develop through the Old and New Testaments. He has been helped in this endeavour by being able to draw on a resource produced by Howard Dayton called ‘2350 Verses on Money and Possessions’. [02:54]This episode identifies some key themes that are introduced in the Old Testament Books of the Law (Genesis, Exodus, Leviticus, Numbers and Deuteronomy). [03:54]Simon notes that the topic of how much we should give is mentioned early on in the Bible, with the concept of donating a tithe (a tenth) of our wealth to God receiving a mention as early as Genesis 14. [06:07]Bex then goes on to remark that while the expectation that God’s people will give is in the process of being formalised into a legal requirement, there is also very strong emphasis on generosity and a willingness to give being crucial ingredients. This point is illustrated with reference to Exodus 35, a chapter which also provides examples of other themes which will go on to be significant throughout the Bible, including (i) giving not being restricted to money, and (ii) the contribution that creativity can make to giving. [10:16]Two other key principles are identified: the importance of prioritising giving to God by setting aside ‘first fruits’ for Him; and the importance of providing for those in need, for example by means of a ‘Sabbath Year’ from which they can benefit. [13:49]Simon draws attention to the thought-provoking and challenging concept of the Year of Jubilee (the ’Sabbath of Sabbaths’) as outlined in Leviticus 25, which embodies principles of social justice, debt relief and stewardship. [18:38]When wrapping up this episode, Bex and Simon talk about the opportunities and challenges that arise from the theme that is developed in the Bible of there being a ‘Promised Land’ for God’s people. [22:46]Finally, Simon lists a number of other themes relating to money, wealth and possessions (including investing, borrowing and debt) that are brought to our attention within the first five books of the Bible. [25:04]The next episode in this season will explore what the Books of History in the Old Testament have to say about money. [26:08]Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

In this second vox pop bonus episode on the theme of ‘Giving’, guest contributors talk about the practicalities of giving and the impact that generosity has had on their own lives and on the lives of others.Some key points covered in this episode include the following:Simon introduces the episode, with Bex then explaining that the first question posed to participants was ‘What has influenced your attitude to giving / being generous?’ [00:56]In the next section, answers are proffered in response to being asked ‘What can you / we give?’ [04:10]The third question answered by our guests for this episode focused on practicalities, such as how much, when and to whom we should give. [10:05]The fourth question to feature in this episode was ’How have you seen the impact of giving in your own life and/or in the lives of those around you?’ [13:41]Finally, our contributors were asked ‘What is your top tip regarding giving?’ [20:51]Simon concludes by thanking those who have taken part in these two vox pop episodes before Bex explains that the next season of the podcast, airing in the new year, will be looking into the topic of ‘Money, According to the Bible’. [24:23]Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

In this first vox pop bonus episode on the theme of ‘Giving’, guest contributors talk about why we might want to be generous and they also discuss the principles (including a number mentioned in the Bible) that have affected their attitudes towards this topic. Some key points covered in this episode include the following:Simon introduces the episode [00:44] and thanks the contributors. [02:26]The first question that participants answer is, ‘Why do you think you should (or shouldn’t) give?’ [02:58]Next up, answers are proffered in response to being asked, ‘What is lost if people don't give / are not generous?’ [09:53]The third question posed to our guests for this episode was, ‘What does the Bible say about giving that you have found to be helpful / significant?’ [12:49]Finally, our participants were asked, ‘What expression or quotation about giving / being generous has made the greatest impact on you?’ [19:13]In the second vox pop bonus episode, contributors will talk about the practicalities of giving and the impact that generosity has had on their own lives and on the lives of others. [22:55]Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

In this bonus episode, Simon and Bex talk with Olivia Barker White about her involvement and role in the inspirational story of Kids Club Kampala, a charity supporting vulnerable children in underprivileged communities in Uganda.Some key points covered in this episode include the following:Olivia introduces herself [02:03] and describes how, from an early age, she felt a passionate desire to be involved somehow in supporting the global poor. [03:29]Olivia explains how she came to visit Uganda and, in due course, set up Kids Club Kampala with co-founders, Corrie and Sam. [05:55]In response to a question from Simon, Olivia provides an update on the charity, describing how its staffing provision, activities and services have evolved over time. [13:49] Olivia talks about the challenges of being totally reliant on the generosity of others via voluntary donations [16:50] before going on to describe the best way that people can give [18:53] and how God has always met their needs. [21:47]In response to a question from Bex, Olivia shares some thoughts about how Christians can interact with charities [24:19] and then responds to a question from Simon about ways in which charities can be accountable to donors and can provide good feedback. [27:57]Olivia concludes by providing contact information and by encouraging listeners to respond positively to any ‘nudge’ that they are feeling from God and to say ‘Yes’ to partnering with Him to be generous to others. [31:18]Bex explains that another bonus episode will be released soon and will feature “the most voices that we have ever had on a podcast” in the form of responses submitted by listeners to a range of questions on the theme of Giving. [33:30]Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Drawing on a number of examples from history, Simon and Bex discuss the amazing impact that generous giving can have on individuals, communities and society as a whole.Some key points of interest covered in this episode include the following:Simon starts off by describing the very significant, but not widely known, role of Humphrey Monmouth (a wealthy cloth merchant) in spreading the gospel as a result of his financial support of Bible translator, William Tyndale, during the first part of the 16th century. Monmouth’s story is one of a number of interesting and inspiring accounts included by John Rinehart in his book, Gospel Patrons. [02:18]Simon’s second tale of the impact of individual generosity features 18th century businessman, John Thornton, a supporter of many charitable causes, who provided the financial and practical assistance that made it viable for former slave trader, John Newton, to publish his first book of hymns, which included ‘Amazing Grace’. [07:16]Simon describes the improved conditions and facilities for workers initiated by businessman and social reformer, George Cadbury, at Bourneville before going on to recount the part played by another member of the Cadbury family, Sir Adrian Cadbury, in the building of the first purpose-built Serbian Orthodox Church in the United Kingdom. [10:26]A salutary tale of the importance of consistency and acting with integrity in every circumstance comes in the form of the mixed legacy arising from the various endeavours and activities of William Lever (Lord Leverhulme). On the one hand, he created in Port Sunlight a widely admired model village, founded on Christian principles; and, on the other hand, his reputation has been seriously compromised not only because he could be uncomfortably paternalistic in his attitudes but, most significantly, because of his links to slave labour in the Solomon Islands and the Belgian Congo. [16:03]In Simon’s final historical example, he brings his narrative full circle by giving an example of modern philanthropists, the Laing Family, who have supported and extended the work of sharing biblical knowledge and understanding that had been started by William Tyndale and Humphrey Monmouth. [21:15]Simon concludes by sharing his own experience of being a recipient of generosity and the impact that it had upon him. [26:37]The ‘Where Your Treasure Is…’ podcast will return with Season 6 early in 2024. In the meantime, a couple of bonus episodes on the theme of ‘Giving’ will air before Christmas. [30:50]Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Simon and Bex discuss the different attitudes that we can have to giving and how that can influence when we give. Some key points of interest covered in this episode include the following:Simon explains that, originally, the focus of this episode was to have been on the question of ‘When to give?’ but, ultimately, it went on to explore wider issues, notably the different kinds of attitudes that we can have towards giving. [00:27]Simon identifies four broad categories into which givers can fall, with each one being the result of a specific attitude that has been adopted towards giving. He suggests that the first type of giver can be described as being desultory, because they have a tendency to be haphazard and irregular in their giving. [02:40]A second possible approach towards giving is exemplified by the deliberate giver. [08:22]In a brief aside, Simon notes that other ways of categorising levels of giving have been devised in the past, most notably by the twelfth century Jewish scholar, Maimonides. [11:00]Next up in Simon’s scale is disciplined giving. [13:36]And finally, Simon describes the characteristics of the dedicated giver, as illustrated by the sacrificial giving of the Macedonian church that is described in 2 Corinthians chapter 8. [17:07]Simon explains that the final episode of this season on Giving will feature various stories from history that he hopes will demonstrate how powerful the impact can be when God’s people give freely and generously. [22:24]Contributions, suggestions or feedback in response to this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Simon and Bex discuss various practical and strategic points relating to giving as they discuss the question, ‘How much should we give?’Some key points of interest covered in this episode include the following:Bex begins the episode by mentioning biblical principles relating to giving that have been covered in discussions to date. Simon explains that, on this occasion, his emphasis is going to be on practical and context-sensitive factors that can help us to implement our giving in an effective, efficient and appropriate manner. [00:42]One point to take into account is the tendency of our giving to depreciate ‘in real terms’ over time if it remains at the same amount. For that reason, it makes sense to review our giving regularly, taking account of that factor and other relevant considerations. [02:35]Being clear about your priorities when giving to charities and causes will help you to make appropriate and strategic decisions about how much to give and whether your giving in specific instances should take the form of a one-off gift or regular donations. [08:37]Building on previous discussions, Simon highlights the importance of thinking through carefully how much time we should give to various causes and activities. [12:53] He uses a personal example to illustrate the kind of approach that can be adopted to ensure that there is helpful clarity and openness about commitments to give time. [15:53]Simon includes the following points in his concluding remarks: giving should be a priority and should be responsive to what is ‘normal’ as far as your spending patterns are concerned; it should be sacrificial and it should take into account how much you have left over after you have given; and it should be done thoughtfully and strategically, for example by allocating resources with awareness that gifts may achieve more in certain contexts compared with others. [20:47]The next episode in this season will deal with the question of when to give. [24:27]Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Simon and Bex discuss the factors that come into play when we are going through the process of deciding to whom we wish to give.Some key points of interest covered in this episode include the following:Simon and Bex start their conversation about to whom to give by discussing which comes first: the decision to give or identifying who we are going to give to? [01:15]Simon introduces the idea of ‘opportunity cost’ because the fact that we have ‘limited resources’ means that we are likely to have to choose between ‘mutually exclusive alternatives’ ie a decision to give in one direction will often rule out a donation towards another possible recipient. [04:32]The key question then becomes: 'What criteria do we use to determine how we should prioritise our giving?', especially when members of our family can be in the mix as one of the options. It is suggested that a giving policy can be really helpful when weighing up the issues prior to making a decision of this nature. [10:10]Simon and Bex begin their consideration of specific giving options by itemising a number of different ways in which we can give to church-related activities. [16:07]Similar decision-making processes also need to be employed when considering to which non-church charities and causes we might want to give. [18:38]In Simon’s concluding remarks, he highlights the importance of being deliberate in our giving, making sure that we are giving effectively and reviewing our giving periodically. [19:47]The question being examined in the next episode of this season will be ‘How much to give?’ [21:12]Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Simon and Bex delve further into the practicalities of Giving, focusing on three further ways in which charitable giving can be made more tax efficient. Some key points of interest covered in this episode include the following:After a quick recap on Gift Aid [00:50], Simon introduces the three main topics that will be covered in this episode: Give as you Earn/Payroll Giving; Wills and Legacies; Limited Company Donations. [03:15]Simon explains how Give as you Earn/Payroll Giving works [03:46] and then, in response to a question from Bex, goes over the pros and cons of using this option as opposed to Gift Aid. [05:02]Simon then turns his attention to lifetime giving at the point of death (and even after death), which can be managed through wills and legacies. Apart from providing clarity regarding bequests and charitable donations etc, this approach can be of great benefit in connection with any Inheritance Tax factors that may arise. [14:08] NB Bex points out that listeners may find it useful to listen to the conversation with Fiona Clarke, private client solicitor, in Season 3 Bonus Episode 2 as many helpful points relating to wills and legacies are covered during that discussion.Bex asks Simon for his thoughts on balancing lifetime giving with giving solely at the point of death, typically via a will. [20:41]Simon outlines the arrangements that pertain for donations made by limited companies. [22:01]Bex then asks Simon to comment on the pros and cons of one-off gifts compared with regular giving [24:15] and on how best we can ensure that we are accountable in connection with our giving. [25:26]The focus of the next episode in this season will be on ‘Who to give to?’ [28:09]Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Simon and Bex delve into the practicalities of Giving, concentrating on Gift Aid in this episode. Some key points of interest covered in this episode include the following:Bex starts the episode with a quotation emphasising that Giving is essentially a matter of the heart [00:52], and Simon lists 17 approaches to Giving which the Bible encourages us to adopt. [02:03]Simon goes on to explain that the focus in this two-parter is going to be on how to give - specifically on the best way to give money to a charity or organisation, and how the UK tax system can enhance the amount that we give. [03:06]Simon explains the nature of Gift Aid [04:48] and answers some questions from Bex [06:38] regarding the detail of how it works in practice, including how the arrangements can vary depending on the amount of tax paid [11:57] & [18:16].Simon concludes the episode by highlighting a number of additional points relating to Gift Aid that may be of interest to listeners. [20:26]Part 2 of ‘How to Give?’ will explore some other ways in which charitable giving can be made more tax efficient, as well as considering the balance to be struck between lifetime giving and giving at the point of death. [26:19]Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

In the second episode of this season on Giving, Simon and Bex discuss what we can give, noting that money is an obvious choice but is by no means the only option.Some key points of interest covered in this episode include the following:Simon and Bex start by talking about matters relating to giving money. [01:12]When turning to what we can give other than our money, the first option that Simon and Bex talk about is how we can give our time. [06:20]Prompted by Simon’s comments about volunteering time, Bex asks him to suggest how else we can donate our expertise and skills to a church or charity. [12:42]Simon then comments that we can give our reputation to a cause and goes on to explain the benefits and impact that can come from doing that. [15:15]Simon then talks about a number of practical ways in which we can support charities by donating and selling items and also by buying goods and services from them. [17:06]We can also show love and commitment by giving away ‘space’ in our homes by being hospitable, which some people will extend to providing accommodation for others. [18:22]Simon concludes by suggesting a number of other ways in which we can give, including by giving property, shares, our career and through wills and legacies. [21:03]The next episode will focus on how we give in order to ensure that we are doing so as effectively and efficiently as possible. [24:22]Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

In the first episode of this season on Giving, Simon and Bex discuss some basic principles of the topic in response to the question, ‘Why Give?’Some key points of interest covered in this episode include the following:Simon and Bex introduce the topic of Giving by considering some recent statistics about the extent to which people in the UK give to charity and the reasons that people give for donating. [02:15]Reference is made to what the Bible says about Giving, with particular attention being drawn to 2 Corinthians 9.6-11: ‘Remember this: Whoever sows sparingly will also reap sparingly, and whoever sows generously will also reap generously. Each of you should give what you have decided in your heart to give, not reluctantly or under compulsion, for God loves a cheerful giver. And God is able to bless you abundantly, so that in all things at all times, having all that you need, you will abound in every good work. As it is written: “They have freely scattered their gifts to the poor; their righteousness endures forever.” Now he who supplies seed to the sower and bread for food will also supply and increase your store of seed and will enlarge the harvest of your righteousness. You will be enriched in every way so that you can be generous on every occasion, and through us your generosity will result in thanksgiving to God.' [06:04]Simon shares seven advantages of the practice of Giving that were identified by Mark Lloydbottom in his 2009 book, ‘The Money Devotional: 40 Bible Reflections on Money Wealth and Possessions’. [10:03]Time is spent considering whether Christians are under an obligation to give, what our motivations to give should be and how those factors might affect the way that we deal with requests to give. [11:48]Simon draws attention to the fascinating conclusions about using money strategically and generously that are included in the 2014 book, ‘Happy Money’ by Elizabeth Dunn and Michael Norton. [18:37] The positive effects that donating money can have on society are illustrated with reference to the principles outlined in the Old Testament books of Leviticus, Deuteronomy and Ruth (eg Deuteronomy 14.28-29) and by the contemporary benefits and importance of food banks. [22:16]Generosity as a theme is highlighted by reflecting on the positive nature of so many individuals who are generous and also by noting that the Bible encourages us (eg in Romans 12.6-8) to eagerly desire spiritual gifts, including the gift of Giving, with the exhortation being to give enthusiastically and generously. [24:11]In a change of tack, it is noted that there are practical ways in which our giving can be assisted or enhanced - including through tax relief, which will be covering fully in a future episode. [25:55]Finally, this introductory episode concludes with some thoughts about giving to our families and the kinds of questions that can arise in that context. [27:15]The next episode in this season will consider the question, ‘What should we give?’ [30:46]Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

In this bonus episode, Simon talks listeners through the HMRC tax return, highlighting some key points that they may find useful. Various items covered in this episode that may be of particular interest include the following:Simon starts off by outlining the purpose and nature of the HMRC tax return, as well as explaining who needs to complete it on an annual basis. [01:19]Simon talks about the circumstances in which people might find it helpful to have professional input or assistance from the likes of a financial planner or an accountant. [08:01]Simon mentions the importance of good record keeping before going over the information that needs to be reported and the distinctions (eg between allowable and non-allowable expenses) that need to be made when completing a tax return. [09:41]Particular attention is drawn to the opportunity to report Gift Aid contributions because of the relevance of this option for those who give money to charities (including churches). [15:07]Simon then goes on to explain the dates by which tax returns and payments are required. [16:59]Simon speaks about payment matters, including what to do if you think that you won’t be able to pay the tax due or will be late in making a payment. [21:57]Simon explains how tax codes work. [26:45]Simon concludes by listing some top tips for anyone required to complete a tax self-assessment. His recommendations include the following: consult an accountant if you are finding the process challenging; put money aside for tax payments as the year goes on; be aware of the likelihood of needing to make payments ‘on account’; take advantage, if helpful to do so, of the flexibility available when allocating Gift Aid to a tax year; bear in mind that pension contributions can reduce tax payments; if relevant, carry forward a loss on an investment so that it can be used to offset tax in the future; use the HMRC app to help you to manage your tax information. [29:34]Season 5 of the ‘Where Your Treasure Is…’ podcast, on the theme of ‘Giving’, is coming soon. In the meantime, please use the contact details below to send in any questions that you have about the HMRC tax return that were not answered during this episode. [32:25]Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

In this bonus episode, Bex interviews Simon about his own faith and finance journey, including the values and principles that have underpinned the creation and development of his business, Stewardship Wealth.Some key points covered in this episode include the following:Simon describes an incident that triggered his appreciation of the power of generosity [01:38] and goes on to talk about various other factors that shaped his thinking about why we might want to cultivate the habit of giving some of our money away. [03:18]Prioritising giving money away and exploring what it means to give sacrificially were two themes that came to the fore for Simon when moving on from being a student to the world of paid employment. [06:00]Simon outlines the steps and experiences that led him to conclude that God was prompting him to start up his own business. [11:43]Simon identifies three key values [16:34] and six big goals [18:28] that he feels have been the hallmark of his business and have distinguished it from other financial planning companies.In response to a question from Bex, Simon provides some headline advice for anyone interested in following in his footsteps by setting up a generosity-inspired business venture of their own. [22:52]In his concluding remarks, Simon encourages each of us to make a priority of identifying the unique skills and abilities that God has given us and also the individual passions that He has put within our hearts. That will then provide a great platform for us to serve God’s purposes in an individually fulfilling and distinctive manner. [25:02]Next up will be a second bonus episode, explaining the intricacies of the HMRC Tax Return, which will then be followed by Season 5, on the theme of Giving, which will commence in early September. [27:25]Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Simon and Bex identify five common stumbling blocks to having great conversations about money and discuss ways of overcoming them.Some key points of interest covered in this episode include the following:Stumbling block number one to having good conversations about money is failing to actually start the process! [01:48]The second barrier is that talking about money can have an emotional dimension that many people find difficult to handle. [05:23]Thirdly, if you find financial content difficult and don’t fully understand the issues, you are going to struggle to have good money conversations. [13:12]Similarly, if you are unclear about the objectives of a money conversation or don’t want to face up to what needs to be addressed, no progress is going to be made. [18:50]Finally, Bex and Simon highlight the importance of following up our conversations about money and revisiting them, as appropriate. [23:49]As this is the final episode of Season 4, Simon asks Bex whether or not the ‘Where Your Treasure Is…’ podcast is going to continue! [27:06]Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Simon and Bex discuss how an awareness of the future can have a positive influence on our conversations about money.Some key points of interest covered in this episode include the following:Simon and Bex introduce the episode by talking about the individual goals that they feel that God has placed on their hearts and how important these are to them. [01:43]They then go on to discuss what contribution money can make to the efforts that we each make to fulfil our goals and what that might look like in practice. [04:52]Bex comments that each of us faces a challenge in trying to establish an appropriate balance between effective stewardship and living generously; Simon suggests that people are likely to respond to this issue in different ways, and what is most important is for each person to develop their own response through a process of hearing from God regarding what is right for them individually. [07:48]When it comes to putting into practice the personal principles that we have established, Simon suggests that, for much of the time, it can be a case of simply using the godly common sense, discernment and responsiveness that we each tend to develop over time if we are following the Lord sincerely and are interacting meaningfully with other Christians. [12:02] It is also noted, however, that it is very easy to over-commit or to end up being pulled in several different directions. For that reason, it can be very important to be rigorous and pragmatic in our decision-making processes. [15:05]Various suggestions are made about how we can start to respond practically to the challenge of managing our money effectively to support a long-term goal that God has put on our hearts. It is noted that, rather than being a solo undertaking, it can have all kinds of benefits to join with others in pursuit of such objectives. [18:45]Simon stresses the importance of taking action and getting started, even if that is at a very modest level or is in combination with others. [24:03] He also highlights the benefits of ensuring that we have conversations about money on an ongoing basis. [26:37]The final episode of the ‘Money Conversations’ season will consider how we can deal with the challenges that arise when we try to have conversations about money. [27:50]Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Simon and Bex discuss the importance of establishing – in the here and now – thoughtful, discerning and healthy priorities that will have a positive impact on our attitudes towards, and our use of, money in the future.Some key points of interest covered in this episode include the following:Simon introduces the key elements of this week’s discussion: how should we shape our current attitudes, behaviours and emotions relating to money; and what can we do now to create better outcomes in the future? [01:18] It is suggested that a vital element in that process is to have conversations about money with someone whom you can trust and who seems to set a good example in the way that they deal with money matters. [02:47]When discussing money with a trusted individual, it is important to ask good questions but also to be clear about the nature of the relationship with the other person and the goals that you are hoping to achieve through those conversations. [06:17]Simon asks Bex what role church leaders can play in money conversations [08:57] and goes on to suggest ways in which we can benefit from input with a spiritual emphasis that they can provide. [11:24]In response to a question from Bex, Simon talks about ways in which conversations can be used to help us to determine priorities and to be discerning in our decision-making. A particular point of interest is what we can do to achieve an appropriate balance between being responsible stewards of our resources and having an attitude of faith that God will provide, even though the odds may be against that happening. [13:04]Establishing priorities and addressing current financial situations can really help our decision-making while also giving us confidence that we are making good and appropriate decisions. [18:44] Simon suggests some first steps that can be taken by anyone looking to start exercising the ‘muscle’ of faith and generosity. [22:12]Next week’s episode considers how our money can affect the future, and can even have an eternal impact. [24:53]Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Simon and Bex discuss the very significant influence that past conversations and experiences involving money can have upon us. Some key points of interest covered in this episode include the following:Simon explains that the next three episodes will focus on how factors connected with the past, the present and the future can affect our attitudes towards, and our experiences of, money. In this episode, the spotlight will be on the way in which previous conversations and experiences involving money may have influenced the way in which we are currently dealing with financial matters. [00:36]Simon and Bex start off the discussion by identifying various people and factors that are likely to have played a role in shaping and influencing our view of money. [02:06]Attention then shifts to what kinds of attitudes might be developed in individuals through interaction with other people regarding money matters and also as a result of observing or experiencing situations in which money has been a key factor in determining an outcome. [05:32]Simon then makes some comments on how we can start to change the situation and move forward if we are not entirely happy with the relationship that we currently have with money. Gambling is used as an example of a topic that requires us to think through, and discuss, a subject ourselves in order to arrive at our own view of a matter. [10:15]The desirability of using a credit card is provided as another example to illustrate that there are money matters on which there is not a cut and dried, biblical point of view. [16:19]Simon highlights the importance of learning from mistakes and moving on our attitudes and opinions in a positive manner. [18:20]Simon suggests that the following practical steps can be taken to address issues that have been identified as being an unsatisfactory legacy from the past: (i) acknowledge that there is a problem [20:22]; (ii) speak to others and learn from a trusted friend who seems to handle money well [20:48]; (iii) put in the necessary hard graft eg by putting a budget in place [21:42]; (iv) if necessary, seek debt recovery advice from the likes of Christians Against Poverty [21:58]. In response to a final question from Bex, Simon comments on steps that can be taken to deal with emotional hurt arising from previous money incidents or conversations. [22:45] He notes that in some cases, such as those involving divorce, the ramifications can be very significant and far-reaching. [25:02]The next episode in this season will explore how the decisions that we make about money in the present affect us not only just now but also in the future. [26:53]Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Simon and Bex discuss the many types of conversations that we can have about money and how we can get the most out of each of these.Some key points of interest covered in this episode include the following:Simon introduces the episode by explaining that the focus is going to be on the range of people with whom we can have money conversations and the different contexts in which those discussions occur. He describes the situation as having many layers of financial interaction while Bex uses the analogy of each of us having various spheres of financial relationships around us, with which we engage to a greater or lesser extent. [00:34]The primary, and earliest, sphere of financial interaction for Bex had been with her parents. She and Simon discuss the potential for parent / child dynamics in this context to be very complex because of personal development factors and also as a result of the different phases of life and significant changes that occur in families over time. [04:02] Inevitably, conversations about money that occur with peers are quite different from those that occur with parents or anyone else with whom there are money-related ‘authority dynamics’ in play. Such conversations can, however, still include elements of accountability and taking advice. [08:54]Bex and Simon discuss the responsibilities and decision-making that come with being a budget holder, whether that be in a church or a business context. [10:47]When asked about other contexts in which she has money conversations, Bex comments that these can occur almost anywhere and, quite often, unexpectedly. Simon suggests that this shows that many people are looking for thoughtful and informed input on money matters and are quite likely to be interested in hearing our views if it is clear that we have considered issues seriously and are not afraid to admit that we don’t have all of the answers. [14:17]Simon goes on to talk about situations in which our voice can have a wider impact when, for instance, we provide input which enables money to be used for the good of the community. It is also noted that sharing our views on the principles that we apply when spending money - on clothes for example - can influence others and can contribute to a broader conversation taking place across society. [18:57]Bex extends the scope of ‘wider impact’ by asking Simon how we can engage meaningfully with opposing points of view while remaining true to our personal beliefs when having conversations about politics. [22:01]Bex wraps up the conversation by highlighting three points to reflect on: know what you think and why; your opinion matters; we have a challenge and an opportunity to share the light and hope that is at the heart of our Christian faith. [24:40]Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

Simon and Bex identify and discuss various factors that can help us to have good conversations about money. Some key points of interest covered in this episode include the following:Simon identifies four factors that can contribute significantly to the success of conversations about money: identifying purpose; recognising approaches that can be constructive; being clear about actions that need to be taken; reviewing the conversation. [01:12]When discussing possible purposes for having conversations about money, Simon suggests that these tend to fall into four main categories: to develop an understanding of money matters; to support attempts to achieve a future goal; to discuss ways of tackling a financial issue that has arisen; to find, as a matter of urgency, a way of dealing with a situation affecting personal finances that could become a major crisis for an individual. [01:56]It is then suggested that the key characteristics of a good conversation about money are as follows: they are based on godly, biblical principles [06:36]; they take emotional responses into account and are open and honest about them [08:33]; they are realistic [11:31]; they are conducted in a thoughtful and considerate manner. [14:12] Factors that can increase the chances of a money conversation being constructive and successful include the following: choose an appropriate time and place [18:01]; take advantage of natural opportunities to have free ranging conversations [19:13]; make sure that everyone has the ‘knowledge’ they need to participate meaningfully. [19:51] The following tips were mentioned in connection with the challenge of concluding money conversations well: reflect back what has been said so that there is a shared understanding of what has been discussed and (where appropriate) agreed, regarding actions to be taken [23:16]; revisit conversations as and when it is appropriate to do so. [23:58]It is acknowledged that money is an emotive subject and that most people struggle to talk about it. However, having those conversations can be a huge help, so Simon encourages listeners to ‘start small’ but to commit to opening up money as a subject for ongoing conversations. It is also very important, though, to deal with a situation immediately if crisis point has already been reached and, in such cases, the advice is to get immediate professional input and help from the likes of Christians Against Poverty and Citizens Advice. [25:52]Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

In the second episode of our ‘Money Conversations’ season, Simon and Bex explore the importance of acknowledging that, from an early age, we are prone to having internal conversations about money that can then go on to influence our views on a whole range of topics. Identifying this tendency, and specific factors that have affected our attitudes, can help us to be discerning and balanced when we start discussing money matters with other people.Some key points of interest covered in this episode include the following:Bex explains what she means by ‘internal conversations about money’ and why they are important. [00:42]In response to a question from Simon, Bex talks about how we can identify and then explore the many factors and experiences that can contribute to our internal dialogues about money and influence our long-term views and attitudes. [04:05]Bex comments on the benefits of increased self-awareness regarding our attitudes towards money and then asks Simon how much that matters: does the way that we deal with money have significance just in the here and now, or can it actually have consequences that are far reaching and highly significant? [12:43]Bex talks about being aware of her emotions when thinking and talking about money. She suggests that those feelings are often influenced by a narrative about money that has developed within her over time and that it can help her to make better decisions if she takes stock and reviews situations in light of those reactions. [17:33] Simon comments that, for a long while, he had adopted a logical, but rather limited, attitude towards money that had inhibited his ability to use money naturally and freely for his own needs, and also for the benefit of others. Conversations about money with his wife have helped Simon to progress from managing money in a rigorously functional manner to being more flexible and rounded in the way that he deals with financial matters. [19:06]Bex notes that as well as benefiting by receiving input from others, we can help to increase the likelihood of developing a godly perspective on money issues if we open ourselves up to the Holy Spirit. [21:38]Suggestions or feedback arising from this episode can be sent via email to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

In the first episode of our ‘Money Conversations’ season, Simon and Bex discuss some basic principles for having helpful, healthy, Spirit-led conversations about financial matters throughout our lives. Some key points of interest covered in this episode include the following:Money is intrinsic to our lives – we deal with it all the time and in lots of different ways – so if we don’t learn how to talk about money matters (including the relevance of what the Bible says about money), we are likely to be storing up issues that we will have to deal with at a later point. [02:00] Simon emphasises the importance of normalising conversations about money because managing money badly - often caused by a simple lack of awareness or understanding - can lead to significant personal, practical and social problems while an informed, confident and appropriate attitude towards money can really help us to live life well. [05:03] In response to a question from Bex, Simon provides some thoughts on possible topics of conversation and how these can be opened up and then structured in a way that removes barriers rather than creating them. [08:17]Another question prompts Simon to talk about the various people with whom we might have conversations and the range of different contexts and circumstances that can affect the nature of these discussions. [12:53] Simon comments on various practical elements - such as location, timing and opening words – that can help or hinder conversations about money. He suggests that the success of such conversations should be measured according to the extent that they manage to serve the needs of both parties. [16:23]When making some concluding remarks, Simon observes that conversations about money tend to run through the key moments of our lives and that it can make a huge difference if we can cultivate a positive and open attitude towards having such conversations. [20:34]Listeners are warmly invited to take part in the collaborative conversation about money that we are hoping will take place throughout the course of this season of the podcast. Emails can be sent to [email protected] while messages via Instagram should be directed to @whereyourtreasureispodcast. In the first instance, contributions about memories of formative experiences involving money and comments about money-related topics that can be hard to broach would be particularly welcome. [22:56]This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

In this bonus episode, Simon and Bex talk with Fiona Clarke, an Aberdeen Solicitor who specialises in Private Client work, an area of the Law which includes Estate Planning, Wills and Powers of Attorney.Some key points covered in this episode include the following:Fiona introduces herself [01:13] and describes how she became a Christian. [02:01] She goes on to explain how she developed an interest in the Law [03:53] and the steps that led her to become a Private Client Solicitor. [04:42]In response to a question from Bex, Fiona talks about the way in which her faith interacts with her job on a day-by-day basis. [05:45]When asked to share some top tips from her area of expertise that may be of interest to listeners, Fiona highlights the vital importance of having a Will [08:23], putting in place a Power of Attorney arrangement [09:44] and taking proper financial advice, especially with regard to Pensions. [10:42]Fiona then covers various practical matters relating to the priorities that she has identified. In this section, she emphasises the importance of not using a Will template or Do It Yourself pack [11:38] and explains when someone should consider putting a will in place [16:18] and how much that is likely to cost. [20:53]Fiona also highlights the importance of not taking financial actions on the basis that a particular arrangement worked for someone else. When making significant gifts, for example, it can be very important to take specific financial advice because of the impact that an individual’s own, particular circumstances can have in that kind of situation. [21:52]In reply to a query from Simon about the best way of finding Private Client solicitors, Fiona draws attention to the useful information provided by the following organisations: the Society of Trust and Estate Practitioners; The Legal 500 and Chambers and Partners. [26:44]When asked for some concluding remarks, Fiona comments on the vital importance of good communication in this whole area – between and among advisers, but also for each individual in their contact with friends and family regarding such matters. [29:21]Feedback and questions regarding this episode can be sent via email to [email protected] or by contacting @whereyourtreasureispodcast on Instagram.Otherwise, please join us for Season 4 of the ‘Where Your Treasure Is’ podcast, which will begin on Wednesday 3rd May 2023. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

In this bonus episode, Simon and Bex talk with Don Thomas of Inverclyde Vineyard Church about his experience of becoming a church planter, which Don describes as having ‘a dream in your heart that you’ve heard God whisper to you’. Don describes the financial and faith challenges that he and his wife, Abi, encountered along the way.Some key points covered in this episode include the following:Don introduces himself [01:24] and describes how he became a Christian [02:14] before going on to talk about how he came to study Theology at Aberdeen University [04:20] and the contribution made by an early version of Vineyard Leadership College to his thoughts about church planting. [08:09]In response to a question from Bex, Don speaks about the financial matters that had to be considered when making the decision to move to Inverclyde in February 2019 to plant a new church in that area. [11:15] Simon then asks Don about the role of faith in his own life and in the church planting process. [14:42]Don talks about the factors and experiences that he feels have equipped him to deal with the financial challenges of his role as a church planter. [18:50]Bex asks Don to share some top tips about faith and finance that he has learnt as a result of his church planting experiences over the last few years. [22:05]Answering a further question from Bex, this time about key biblical principles that have guided him, Don talks about the importance of examining our attitudes and our ‘heart’ to check that they are aligned with God’s heart and His purposes. [26:11] Simon then asks Don what he thinks God wants to say to us about our relationship with money, especially in connection with supporting the church and living generous lives. [28:46]Simon concludes by inviting listeners to drop into Inverclyde Vineyard Church at 10.30 on a Sunday morning if they are in the area and also to contact Don if they have an interest in church planting and would like to pick his brains on that topic. [33:00]Feedback and questions regarding this episode can be sent via email to [email protected] or by contacting @whereyourtreasureispodcast on Instagram.Season 3 Bonus Episode 2 will be released on Wednesday 12 April 2023, with the first episode of Season 4 arriving on Wednesday 3rd May 2023. This show has been brought to you by Free Range Podcasting. You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

In the final episode of our ‘Practical Financial Planning’ season, Simon puts forward some key points to note regarding the arrangements that we can make in connection with the belongings and assets that we leave behind when we die.Some key points of interest covered in this episode include the following:Bex and Simon invite listeners to contribute suggestions for topics to be covered in future seasons of the podcast. [00:52]Simon explains what he means by ‘estate planning’, noting that its key purpose is to help people to arrange their financial matters so that, when they die, the right people get the right amount at the right time. [02:35]Simon outlines the vital importance to effective estate planning of having a will. [04:42]Inheritance tax is the second key factor to take on board in connection with estate planning. Simon explains how it works. [06:27]In response to a question from Bex about effective ways of passing on what we have to others when we die, Simon covers the following three points: the advantages of not waiting until death to pass on our assets [09:55]; the importance of understanding the seven year tax rule in connection with gifts that we make during our lifetime [13:25]; and the fact that trusts can be used as a way of placing gifts ‘on hold’ until the right time for making them is reached. [16:51]Simon identifies two other approaches to estate planning that can be very useful: ensuring that, for married couples in particular, they hold some assets jointly so that one party is not left without access to money when the other dies [19:39]; being generous and, in particular, making gifts to charity can lead to an outcome where more of our money can be used for purposes that we have decided on, rather than being allocated as a tax payment. [21:00]Bex rounds off the season by explaining that there will be a bit of a break before Season 4 and invites listeners to get in touch with feedback, but also with suggestions for the new season, by emailing [email protected] or by sending a message via Instagram to @whereyourtreasureispodcast. [23:20]This show has been brought to you by Free Range Podcasting.You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

In the final episode of the ‘Key Life Stages’ season, Simon and Bex discuss key financial elements involved in making thoughtful, appropriate and helpful end of life arrangements.Some key points covered in this episode include the following:Simon explains why end of life planning is important. [00:25]Simon highlights that a key factor affecting financial planning in this area is the extent to which resources can be passed on to others. In the first instance, he describes the situation as far as pensions are concerned. [03:15]Simon goes on to talk about the heritability factors that apply to Individual Savings Accounts (ISAs). [10:45]Simon then explains the heritability characteristics of General Investment Accounts (GIAs) and Investment Bonds. [13:08]Simon speaks about the importance of simplifying financial arrangements [15:34] at this stage of life, before going on to cover Wills and Powers of Attorney [18:53], Deeds of Variation [20:10] and the Nil Rate Band [21:17].He concludes with some quickfire pieces of advice: be organised [23:01]; consider running a credit check on yourself [23:30]; get your family involved sooner rather than later [23:48]; and if you have more than you need, spend it or give it away [24:23].Simon draws attention to the fact that the recording of Season 3, ‘Practical Financial Planning’ is now complete. The final episode, ‘Estate Planning’, will be released next week. [25:26]This show has been brought to you by Free Range Podcasting.If you would like to contact us with some feedback, questions or requests, please do so via [email protected] (email) or @whereyourtreasureispodcast (Instagram). You can sign up to receive news and updates about this podcast by clicking on this link.

In Episode 7 of our ‘Practical Financial Planning’ season, Simon explains the relevance of a decumulation strategy to managing finances in retirement. Typically, money needs to be taken from various sources during this phase of life in order to fund expenditure, but the choices to be made regarding the timing and order of such withdrawals can make a big difference. Some key points of interest covered in this episode include the following:Simon explains that the aim of a decumulation strategy is to manage the timing and order of financial withdrawals during retirement. [01:06] A good decumulation strategy is based on a clear understanding of the tax arrangements that apply to investments that have been made in preparation for retirement. [03:44]Simon works through examples of how a newly retired individual might release money in retirement. [06:18] He demonstrates that for anyone who has more than one source of income, understanding the relevant tax factors can make a huge difference to the right order in which to withdraw money. [14:15]In response to a question from Bex, Simon explains how to use crystallisation to manage the process of taking withdrawals from a pension fund in a tax efficient manner. [18:14]Simon explains that not all pensions include a 25% tax free cash element, meaning that different types of pensions can require different treatments in order to maximise withdrawals. [21:24]Simon deals briefly with points to note when taking money from Individual Savings Accounts (ISAs) and General Investment Accounts (GIAs). [23:43]Simon summarises key points covered in this episode. [26:11]The final ‘Practical Financial Planning’ episode will deal with ‘Estate Planning’, including various matters relating to inheritance tax. [28:24]This show has been brought to you by Free Range Podcasting. If you would like to contact us with some feedback, questions or requests, please do so via [email protected] (email) or @whereyourtreasureispodcast (Instagram). You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

In Episode 7 of the ‘Key Life Stages’ season, Simon and Bex explain that the nature of retirement can vary from person to person and they discuss how to thrive in retirement. Some key points covered in this episode include the following:Simon identifies four factors that can come into play when considering what ‘retirement’ means for each individual [02:09]: Age [02:44]; Stage [03:25]; Health [03:57]; Income. [04:38]Simon explains that the process of ‘retirement transition’ requires people to weigh up their priorities regarding matters such as money, career, health, family and other relationships. [06:19]In response to a question from Bex, Simon provides some top tips for doing retirement well, based on his experiences of working with clients over the years. [10:34]Bex draws attention to the relevance of the Season 3 episode on ‘Decumulation’ (which is being released next week) because of its focus on managing money in retirement. [17:02]Using Numbers 8.24-26 as his starting point, Simon comments on what the Bible says about retirement and then puts forward some suggestions for inclusion in a Christian perspective on retirement in the 21st century. [20:02]The final 'Key Life Stages’ episode will be devoted to the topic of ‘End of Life Planning'.This show has been brought to you by Free Range Podcasting. If you would like to contact us with some feedback, questions or requests, please do so via [email protected] (email) or @whereyourtreasureispodcast (Instagram). You can sign up to receive news and updates about this podcast by filling out the brief form to which you will be taken when clicking on this link.

In Episode 6 of our ‘Practical Financial Planning’ season, Simon explains how cash flow planning can help to create a useful 'budget for life'.Some key points of interest covered in this episode include the following:Bex and Simon set the scene by quoting the following biblical references: Luke 14.28-30 & 12.31-41; Proverbs 31.16-21 & 21.5. These verses flag up a number of topics relevant to financial planning, including anticipating future needs, providing for family, inheritance and generosity, but also greed, laziness, haste and lack of planning. [01:05]Simon starts talking about the concept of cash flow planning by explaining the long-term perspective that it provides when he uses it in a business capacity with clients. [04:13]Software can be a great help when undertaking cash flow planning, so Simon draws attention to 'Truth About Money', a free version of a cash flow modelling tool that he uses professionally. [08:32] Simon goes on to describe how a long-term cash flow model works and in what ways it can be helpful. [16:00]Simon suggests that financial planning decisions should not be determined purely by monetary considerations. The faith perspective is vital for Christians and, in his final comments, Simon mentions the importance of seriously considering matters such as working out “how much is enough?”, being generous and serving God. [21:06]As ever, please contact us via [email protected], or on Instagram via @whereyourtreasureispodcast. The next ‘Practical Financial Planning’ episode will be ‘Decumulation Strategy’, which will be released after a break for Christmas. [24:42]This show has been brought to you by Free Range Podcasting.

In Episode 6 of the ‘Key Life Stages’ season, Simon and Bex discuss various points to consider in connection with getting ready for retirement.Some key points covered in this episode include the following:Simon provides a brief overview of planning for retirement and explains why it is important to prepare well for that stage of life. [04:06]The first, and most obvious, step is to build up your State Pension. [06:49]The next key factor is to increase your pension(s), whether company pension schemes or personal pensions. [08:08]The third main strategy to adopt is to make a conscious decision to decrease pre-retirement expenditure in a sensible and considered manner. [09:24]Simon highlights the benefits to be gained from saving money in the final years before retirement and putting it into a pension. [12:06] Simon acknowledges that there are many different factors that can affect people’s priorities and actions as they get ready to retire. [14:55] Simon suggests that the best way of being able to retire at your preferred point in time is to set up a budget with that goal in mind. [16:55] Simon concludes by listing five additional points, aka ‘nuggets of wisdom’, to consider when preparing for retiring: (1) the significance for couples of discussing retirement matters with each other beforehand [19:33]; (2) the benefits of including all relevant factors when making affordability calculations [20:36]; (3) the need to consider various principles and practicalities when considering leaving an inheritance [21:12]; (4) the advantages of taking a flexible approach towards ‘retirement goals’, recognising the benefits of putting some plans into effect before retirement itself actually takes place [21:32]; (5) the importance of considering being generous and planning how and when giving can occur during retirement. [22:38] If you would like to contact us with some feedback, questions or requests, please do so via [email protected] (email) or @whereyourtreasureispodcast (Instagram). The next life stage episode will be devoted to the topic of ‘Retirement’ itself. [22:56]This show has been brought to you by Free Range Podcasting.