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

In Episode 5 of our ‘Practical Financial Planning’ season, Simon explains how an understanding of platforms (technology that enables us to interact with various financial elements) can help us to manage our money.Some key points of interest covered in this episode include the following:Simon uses the analogy of buckets (places we put money) on a shelf (a way to organise our money) to explain how we can accumulate various products (bank accounts, pensions, ISAs, savings accounts etc) from different providers (banks; building societies; brands such as Visa, PayPal, Mastercard; insurance companies etc), which then require to be organised if we are going to manage them efficiently. [01:13]Simon explains how platforms (‘integrated’ platforms in the first instance) were developed as technology enabled people to interact to a greater extent with financial matters. [09:55]The DIY platform (sometimes called 'Fund Supermarkets') allows investors to hold different types of investment in one consolidated account, without having to go through a provider. [12:09]The 'adviser facilitated' platform enables independent financial advisers and planners to manage their clients’ money in a manner similar to the DIY platforms, with the result that investments do not have to be restricted to a single provider's funds. [13:40]When asked about the relative merits of a provider's own integrated platform, a DIY platform or an adviser platform, Simon explains that four factors need to be taken into account: Product [17:11]; Cost [18:11]; Funds [22:36]; Advice [25:11].As ever, please contact us via [email protected], or on Instagram via @whereyourtreasureispodcast. The next ‘Practical Financial Planning’ episode will be ‘Cash Flow Planning’. [28:07]This show has been brought to you by Free Range Podcasting.

In Episode 5 of the ‘Key Life Stages’ season, Simon and Bex discuss various issues and opportunities connected with career progression.Some key points covered in this episode include the following:Simon introduces the topic of ‘Career Progression’, explaining what is going to be covered in this episode. [00:55]Bex and Simon consider some of the things that the Bible says about work, referring to Genesis 2.15, Revelation 22.3, Colossians 3.23, 2 Thessalonians 3.10, Proverbs 14.23 & 16.3, and concluding with Ephesians 4.28, which highlights the potentially transformative effect of work. [02:27]Simon suggests that any point at which our financial circumstances change is an opportunity to think about how generous we can be and to review our giving. [05:17]Simon then covers four further topics that merit fresh consideration at this time: protection [09:39], debt [10:48], pensions [14:12] and saving & investing [17:28].Simon concludes by mentioning briefly some other topics (including inflation, and also individual and family considerations) that are worth thinking about in connection with career progression. [19:41] 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 ‘Getting Ready for Retirement’. [21:28]This show has been brought to you by Free Range Podcasting.

In this bonus episode, Simon and Bex talk with Ben Clift, of Christians Against Poverty (CAP), about the Cost of Living Crisis and various ways in which support can be provided.Some key points covered in this episode include the following:Following an entertaining difference of opinion between Bex and Simon about whether or not Simon had foreshadowed Ben Clift as their guest in this episode [00:53], Bex asks Ben to describe his role as a CAP Debt Centre Manager and what an average day looks like. [01:17]Ben explains that CAP is a national/international charity which operates on a significant scale but is also able to target support very effectively within communities as a result of being based in local churches. [02:41] Ben goes on to talk about the biblical principles behind CAP’s activities [04:43] and how that translates into practical support, especially in connection with the charity’s endeavours to assist people to overcome debt-related issues. [08:00] In response to a question from Bex, Ben provides information about the number of people who have been helped to become debt-free as a result of their contact with the debt centre in which he works. [10:05] He also speaks about the kinds of answers to prayer that people have experienced as a result of having shared their concerns, needs, aspirations etc with members of the CAP team. [11:24]A couple of questions from Simon prompt Ben to explain some of the practicalities in which CAP representatives become involved when helping clients deal with financial correspondence [13:23] and negotiations with debtors. [15:14]Ben talks about the fact that many people are experiencing an uncomfortable ‘squeeze’ as a result of the Cost of Living Crisis that has been precipitated by global factors (including the war in Ukraine), inflation pressures and political turbulence. [17:27]Simon explains that the ‘wealthy’ are not immune from being affected by an unbalanced budget and can certainly experience financial shock under the kinds of circumstances that are affecting so many people at this point in time. [19:37]Ben talks about the CAP Money Course, which is designed to provide people with money management skills that will help them to handle their finances effectively and wisely. [22:03]Bex asks Simon and Ben what they think that Jesus would say to people who are currently experiencing stress and turmoil as a result of financial pressures. [23:30]Responding to a question from Simon, Ben explains how people can get involved with CAP and support its work in a variety of different ways. [26:45] (NB Such is the nature of the world at present that the details of the Prime Minister [27:58] have changed between this episode being recorded and then published, with Rishi Sunak now having taken over that role from Liz Truss!)Information about Christians Against Poverty can be found at capuk.org, and feedback or questions regarding this episode can be sent via email to [email protected] or by contacting @whereyourtreasureispodcast on Instagram. [29:39]Season 2 of ‘Where Your Treasure Is…’ resumes on 23 November.This show has been brought to you by Free Range Podcasting.

In this bonus episode, Simon and Bex discuss practical approaches to budgeting for ‘big ticket items’ but also talk about ways in which we can ‘refresh’ our thinking regarding these expenses.Some key points covered in this episode include the following:Bex asks Simon for some tips on how to deal with major expenses that can wreck a budget, such as birthdays, Christmas, weddings and holidays. [00:41] As part of his response, Simon explains that, as described in the writings of JRR Tolkien, hobbits have an unusual but thought-provoking way of dealing with birthday presents. [02:18] Bex is prompted by Simon’s comments about the dangers of ever-increasing expenditure on presents to share how her family has reduced the number of presents that family members are expected to buy for each other. [03:27] Simon goes on to highlight the importance of having conversations about expectations for presents etc as that can assist individuals and families to avoid falling into practices that can ultimately exert unhelpful pressures upon them. [06:29]Thinking about the biblical reference to God giving good gifts to his children (Matthew 7.11 and Luke 11.13), Bex is prompted to reflect on the importance of expressing our love and appreciation to others in ways that are not dependent on money. [08:42]Simon outlines five principles for dealing with major expenses in a practical and manageable manner: (a) Anticipate expenses [12:53]; (b) Budget for this expenditure [13:54]; (c) Cut down on credit [16:09]; (d) Delayed gratification: paying in advance, where possible [17:52]; (e) ‘Extreme organisation’ – using a spreadsheet, for example, as a means of planning and tracking spending on presents [21:13]Bex and Simon develop further their discussion about alternative ways in which love and affection can be expressed [23:38], including reference to Gary Chapman’s book, , ‘The Five Love Languages’, [24:56], hand written notes from Bex’s mum [25:45] and a poetic tribute to mellifluousness! [27:56]Bex and Simon conclude by sharing some thoughts about approaching Christmas (a potentially major source of expense) in a thoughtful and outward looking manner that can change the way that we do things and what we focus on at that time. [28:49]Feedback on bonus episode content and format was invited and can be sent via email to [email protected] or by contacting @whereyourtreasureispodcast on Instagram. [33:10](NB A further bonus episode will follow on 16 November before Season 2 resumes on 23 November.)This show has been brought to you by Free Range Podcasting.

In the fourth episode of our ‘Practical Financial Planning’ season, Simon and Bex discuss Investing: what it is; why you might want to do it; and some principles you may wish to follow.Some key points of interest covered in this episode include the following:Simon defines investment as something that has an ‘expected return’ and illustrates this comment by examining whether or not various purchases (eg a car or a house) and financial strategies (putting money in the bank, acquiring shares or buying gold) meet the terms of that definition. [02:13]In response to a question from Bex about why we might want to invest, Simon outlines the way in which inflation can reduce the spending power of our money. Investing is a good way to combat that issue, especially as the effect of compound interest on invested money is to cause it to grow by a greater amount year on year. [09:15]When considering the options for long term investing, the stock market can be a good option as long as you don’t try to ‘ride the wave’ and attempt to pick ‘winners’ all the time. [13:40]Simon describes four key steps that should give investors the best chance of getting a ‘good return’: (1) Pick an investment that gives you access to as much of the stock market as possible [19:05]; (2) Invest in index funds that cover as many countries as possible [20:01]; (3) Pick as low cost a fund as possible [20:30]; (4) Remember that you don't need to put all your money for investing into the Stock Market [21:18].As ever, please contact us via [email protected], or on Instagram via @whereyourtreasureispodcast. After a fortnight’s break, we will be back with a couple of bonus episodes and will then resume our current seasons with Life Stage 5: Career Progression. [23:01]This show has been brought to you by Free Range Podcasting.

In Episode 4 of the ‘Key Life Stages’ season, Simon and Bex highlight the significance given to homes in the Bible before going on to discuss the financial practicalities and implications of buying your first home.Some key points covered in this episode include the following:Bex and Simon quote various verses from the Old and New Testaments (Micah 4.4; John 14.2 & 14.23; Acts 2.46, 4.32-35 & 18.26; 2 Corinthians 5.1-2) to illustrate the importance placed on homes in the Bible. [00:25]It is noted, however, that the Bible also stresses the importance of not storing up treasures on earth. (Matthew 6.19) This prompts Bex to acknowledge that there is an inherent challenge involved in investigating the financial practicalities of buying your first home – as this episode aims to do – while maintaining a clear focus on biblical teaching and a faith-based perspective. [03:03]Simon starts off the discussion by providing some home ownership facts and figures, which demonstrate that people are currently finding it really hard in the UK to get their feet on the first rung of the property ladder. [03:15]Purchasing your own home may not be the right option for everyone, and Simon provides examples of some situations in which people might want to rent their accommodation rather than buying it. [06:00]There are, however, a number of advantages of buying your own home, which make it an appropriate and prudent option in many instances. [06:47]Once you have decided that you want to purchase your own home, you need to tackle two initial requirements: (1) to provide an appropriate deposit (2) to demonstrate that you can afford to pay off the loan (mortgage) that you will be taking out on your chosen property. [09:31]When deciding on the mortgage payments to which you are going to commit yourself, it is important to consider the whole picture. One point to think about is the length of time over which you are going to repay your mortgage. The shorter the term of the mortgage, the less money you will pay out overall… but your monthly payments will be higher. [11:34]Calculating your surplus income will help you to establish what is affordable in your situation. [13:40]Having a contingency plan in case interest rates go up over time is also important. For that reason, you might want to consider signing up to a fixed rate (rather than a variable rate) mortgage, especially if you can afford monthly payments that will allow you to take out one that will last for five years or more. [15:46]Because taking on a mortgage is a major financial commitment… and because life happens, Bex asks Simon to outline some ways in which we can respond if we encounter difficulties that place in doubt our ability to meet our mortgage payments. [18:53]If you would like to contact us with some feedback, questions or requests, please do so via [email protected] (email) or @whereyourtreasureispodcast (Instagram). Otherwise, please join us for next week’s episode, ‘Make Money Make Money’ (Episode 4 of the ‘Practical Financial Planning’ season), which will be all about investing. [20:44]This show has been brought to you by Free Range Podcasting.

In episode 3 of ‘Practical Financial Planning’ (the third season of the ‘Where Your Treasure Is…’ podcast), Simon and Bex explore the whys and wherefores of considering an ISA, (Individual Savings Account) as an investment option.The following points are among those covered by Simon and Bex in their discussion:Simon explains that investment vehicles are ‘containers’ that have been created to ‘carry’ money in order to help investors gain positive returns on their money. [00:44]Two of the best known investment vehicles are pensions and ISAs (Individual Savings Accounts). Each of these can create benefits for an investor, especially as a result of the special tax arrangements that are a key aspect of how they each operate. [01:59]Pensions and ISAs have been deliberately created as tax efficient products, which means that they assist investors to grow their money by avoiding certain taxes which would otherwise apply to their savings. (Simon stresses that these arrangements are completely different from tax evasion, which is unequivocally illegal!) [03:43]Bex and Simon summarise the different tax arrangements for pensions and ISAs. [06:12]When considering whether a pension or an ISA is better for you, two key factors should be taken into account: (1) your objectives (2) the tax arrangements relevant to your situation. First of all, Simon examines the possible tax permutations. [06:56]The objectives of the investment are then considered, with Simon explaining that an ISA can be a great way to save for a deposit on a house, for example, while the primary purpose of a pension is to provide an income during retirement. [12:38]The LISA (Lifetime ISA) is highlighted as a particular kind of ISA that potentially has real benefits for anyone looking to use it to buy a first home. As long as the specific rules governing the LISA are followed, investors stand to gain from a 25% bonus that the government will add to their savings. [13:41]Following a summary of key points from Bex [18:15], Simon mentions three final points to note: (1) Generally, Cash ISAs tend not to have any significant, unique benefits for investors at the present time [18:30]; (2) If, for any reason, you need to invest more money than can be accommodated within an ISA, you could consider a General Investment Account, and it might also be worth investigating the option of seeking advice from a financial planner [19:32]; (3) Listeners to the podcast may have heard of Investment Bonds, but it would usually be expected that this option would be explored only after other investment vehicles have been fully utilised. [20:18]As ever, please contact us via [email protected], or on Instagram via @whereyourtreasureispodcast. The next Season 3 episode will be on investment strategy; in the meantime, Episode 4 of Season 2 (Your First Home) will be published next week. [20:50] This show has been brought to you by Free Range Podcasting.

In the third episode of the Key Life Stages season, Simon and Bex delve into the things that you need to know about your payslip when you get your first job.Simon and Bex introduce their comments on payslip deductions by making some observations on tax, including some examples of occasions when tax is mentioned in the Bible. [02:01]In response to a question from Bex, Simon explains why income tax and National Insurance are collected separately by the Government. [04:12]With the aim of helping listeners to understand their payslip and the salary deductions that are made, Simon talks about the Personal Tax Allowance and explains that wages and tax are scheduled evenly over the tax year, which runs from 6th April in one year to 5th April the following year. [05:51]The rate of tax to be paid depends on the annual salary but there are also some regional variations, affecting Scotland, in particular. [10:25]The amount and nature of National Insurance contributions are explained. [13:35]Pension deductions also have to be taken into account before the final amount of ‘take home pay’ can be calculated. [16:08] The figures are calculated for a worker earning £22,570 per year / £1880 per month:The tax to be paid is £1,774.30 for the year (£2,000 minus £225.70, saved on pension payments).National Insurance contributions will be £1,3324.20.And the pension contributions will be £1,128.50 for the year.So, the total deductions for the year are £4,227.The overall net (‘take home pay’) pay per year is therefore £18,343.And the monthly amount actually received by the worker, as recorded on their payslip, is £1,528. [19:03]Simon then highlights the fact that other expenses and payments can be included in payslips as time goes on. The crucial point to note, however, is the importance of checking (at least annually) that you understand your payslip and are confident that you are receiving the expected amount of pay and are making correct income tax and National Insurance etc payments. You are responsible for ensuring that these payments are correct, so it is vital that you get into the habit of checking the figures in order to avoid issues arising at a later date. [21:08]The next episode in the ‘Key Life Stages’ season will be ‘Buying Your First Home’ while the next ‘Where Your Treasure Is…’ episode to be published (next week) will be all about ISAs (Individual Savings Account). As usual, please get in touch with us through [email protected], or on Instagram via whereyourtreasureispodcast. [23:27]This show has been brought to you by Free Range Podcasting.

In the second episode of ‘Practical Financial Planning’ (the third season of the ‘Where Your Treasure Is…’ podcast), Simon and Bex discuss pensions: how they work, the different types and why they are so important. Some key points of interest covered in this episode include the following:Simon introduces the topic of pensions and explains the ages at which they can become available. [01:53]Simon goes on to describe the three different types of pensions that are available: State Pension [04:25]; Occupational Pensions, which are divided into final salary defined benefit schemes [06:00] and career average schemes [07:18]; and Personal Pensions [08:35]The importance of learning about, and understanding, pensions sooner rather than later is highlighted. [10:11]Simon draws attention to the fact that the tax arrangements that apply to pensions make them a very effective way of saving money. He goes on to provides examples including some figures and explaining that by paying money into your employer’s pension scheme, you not only gain from money going into your pension pot that would normally be taken away in tax, you also benefit from a significant contribution to your pension fund by your employer. In addition, the arrangements for withdrawing money from your pension (once you have reached the required age) are also beneficial, for example because 25% of your pension money can be taken out without paying any tax. [12:04]Simon talks about the two main issues that can stop people embracing the opportunities and advantages available through pensions: their complexity; and people’s previous experience of them (especially before 2015). [19:15]Simon refers to Numbers 8.24-26 when speaking about retirement: ‘This applies to the Levites; men twenty-five years old or more shall come and take part in the work at the tent of meeting, but at the age of fifty, they must retire from their usual duties and work no longer. They may assist their brothers in performing their duties in the tent of meeting, but they themselves must not do the work.’ He suggests that the biblical view of retirement is not that it should be one long holiday but that it can provide an opportunity to serve God in new and different ways. [23:51]As ever, please get in touch with us through [email protected], or on Instagram via whereyourtreasureispodcast. In Season 3 Episode 3, we will be digging into the only other type of investment product that most people will ever need: the ISA, or Individual Savings Account. We hope that you will join us then. [25:08]This show has been brought to you by Free Range Podcasting.

In the second episode of the Key Life Stages season, Simon and Bex discuss various finance related matters that come to the fore when starting a family. As well as covering the significant changes that inevitably occur with the arrival of children, points relating to hybrid families and managing finances jointly are also explored.Some key points of interest covered in this episode include the following:Simon explains that he will be considering three key elements in this episode: joint finances; children; and hybrid families. [00:52]In response to a question from Bex, Simon talks about the importance to family life of couples discussing financial issues and goals so that they can jointly plan and manage their use of money, even if they each have different roles within that process. Simon’s comments on this topic include a quotation from Gary Chapman’s book, Things I Wish I'd Known Before We Got Married [01:52]Simon describes some of the financial consequences that have been identified in connection with having children. [05:51]Mention is made of some options that are available for saving or investing on behalf of a child. [08:11] Various family related financial planning priorities are identified, including the importance of wills, insurance, Power of Attorney arrangements and discussing money matters with your children. [12:12]Communication is also a key factor as far as hybrid families are concerned, and it is suggested that, within that context, a trusted friend or relative can sometimes provide helpful input. Financial issues that can arise in connection with elderly parents are also mentioned. [14:20]When making some concluding remarks, Simon highlights how complicated and challenging it can be to try to apply the principle of fairness to money matters affecting our children. [17:45] The next episode in the Key Life Stages season will be ‘Your First Job’ while the next episode to be published (in a week's time) will be ‘Your Longest Holiday, on the subject of Pensions, in the Practical Financial Planning season. [20:19]This show has been brought to you by Free Range Podcasting.

In the first episode of the third season of the ‘Where Your Treasure Is…’ podcast, Simon and Bex explore the importance of establishing clear personal goals before embarking on any kind of practical financial planning.Some key points of interest covered in this episode include the following:Simon explains that the practicalities of financial planning need to be preceded by a process of setting clear objectives and goals. [01:45]Simon uses a spot of role play to illustrate the importance of drilling down into the underlying reason(s) for the financial planning decisions that we make. [02:39]Simon provides an example of a practical financial planning goal – saving for a family holiday – arising from a life objective of showing love and care for one’s family. [06:10]Mention is made of various ways of keeping track of money in order to achieve a financial planning goal that has been set. [08:58]Overall, the aim is not to reduce every life objective to a financial goal, but to ensure that every financial goal is linked to a life objective, as Simon demonstrates with a number of examples. [12:47]Bex asks Simon what difference it should make to our decision-making that the Bible tells us that 'the earth is the Lord’s and everything in it' (Psalm 24.1) and that we are called to be good stewards of what God has given us. [14:25]Simon responds to a question from Bex about how to deal with both a deficit and a surplus in our personal finances. [16:29]Simon concludes by providing examples of ways in which we can use money positively, as a tool. [18:44]Season 3 Episode 2 will cover the topic of Pensions. As ever, contact can be made with us through [email protected], or on Instagram via @whereyourtreasureispodcast. [21:04]This show has been brought to you by Free Range Podcasting.

In the first episode of Key Life Stages, the second season of the ‘Where Your Treasure Is…’ podcast, Simon and Bex discuss what the priorities should be for people who are starting out on their individual journeys of applying principles of the Christian faith to their own financial planning. A good understanding of biblical principles, clarity of purpose and effective budgeting are identified as key elements that will help individuals to steward responsibly the money and resources given to them by God.Some key points of interest covered in this episode include the following:In response to a question from Bex, Simon explains the vital importance of starting with the bigger picture, your values and objectives before investigating any financial practicalities. [02:51]Simon goes on to highlight the importance for the Christian of setting a course from the outset which is based on biblical references to money, such as the advisory warning contained in 1 Timothy 6.10: ‘For the love of money is the root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs.’ [05:06]Simon gives examples of the benefits of setting spiritual objectives and then considering how best to use money to achieve those goals, rather than allowing money to become a goal in itself. [06:36]Simon provides some personal examples of setting priorities and making decisions that have guided his money habits over the years. [10:03]When moving on to the practicalities of managing money wisely, Simon emphasises how helpful it can be to develop a well considered, realistic and personalised budgeting strategy. [13:27]Debt is described as being ‘the opposite of budgeting’ and it is noted that sometimes debt issues need to be addressed directly and fully before meaningful progress on a financial planning journey can be made. Expert professional help is available, if required, and Simon would highly recommend the support and services provided by two Christian charities, CAP and Crosslight. [18:58]Please feel free to send feedback or questions to us via email at [email protected] or on Instagram to @whereyourtreasureispodcast.This show has been brought to you by Free Range Podcasting.

Co-hosts Simon Glazier and Bex Elder introduce what will be covered in the two new seasons of the ‘Where Your Treasure Is…’ podcast.Season 2 starts on 31st August and will cover eight Key Life Stages, exploring the main financial decisions and actions that need to be considered in each phase.Season 3 will provide a deeper dive into Practical Financial Planning, and its first episode will arrive on 7th September. Topics covered will include understanding pensions and ISAs, how to model your financial future, and why and how you might want to invest.As ever, feedback, questions and requests can be sent via email to [email protected] or by sending a message on Instagram to @whereyourtreasureispodcast. This show has been brought to you by Free Range Podcasting.

In this bonus episode, Mike Elder - who produces 'Where Your Treasure Is...' on behalf of Free Range Podcasting - takes a light-hearted look at some of the technical issues and challenges that Simon and Bex encountered during the recording of the first season of the podcast.Seven aspects of creating a podcast are covered, as follows:To produce a podcast, you need sound, and to produce sound you need a microphone (preferably one that is switched on). [02:40]To hear the sound produced during a recording, you need headphones (preferably a set that don't require pressure to be applied to an electrical connection in order to work). [03:36]Audio software settings also need to be mastered if good quality sound is to be produced. [05:01]A very distinctive element of audio recordings and podcasting is the need to neutralise the risk of sounds such as plosives and sibilance creating an unpleasant listening experience. [07:23]The technical issues aren't restricted to equipment and software, however. The brain also needs to be engaged. [08:00]And once recording has begun, an alert brain continues to be important if lapses in concentration and delivery are to be avoided. [09:44]The importance of keeping "the main thing the main thing" is emphasised, particularly as far the show's email address and the name of the show are concerned. [13:08]Finally, and in the spirit of the rest of the episode, three top tips for navigating the podcasting journey are shared! [15:23]

This bonus episode, following the conclusion of Season 1 of the ‘Where Your Treasure Is…’ podcast, is a spin-off from the fifth episode, ‘Giving’. In it, Simon explains how he came to take part in a humanitarian aid trip to Poland in June 2022. As well as describing the nature and purpose of the journey, Simon reflects on the importance of being open to participating in different types of ‘giving’, including donating our time, energy and support.Simon explains the nature of his recent trip to Poland to deliver humanitarian aid and how he became involved in it. [00:35]When asked how this trip ties in with some of the content covered in the ‘Where Your Treasure Is…’podcast, Simon speaks about the engagement with a cause that can arise from giving to it. [05:35]Replying to a question from Bex, Simon talks about the different ways in which we can give. [10:16]Simon makes comments in response to a question about how we can decide what we should give in particular situations. [15:13]Simon talks about the arrangement that his business has adopted in order to ensure that each person in the team can give time to others on an annual basis. [17:22]Simon concludes by suggesting that there is a ‘grace of giving’ which means that when you participate in a practical way in a ‘giving’ activity, it is likely to have benefits for you, your community and your relationship with God. [20:09]

In this final episode of Season 1 of ‘Where Your Treasure Is...’, Simon and Bex discuss the topic of Investing: what it is, what the Bible says about it and how to go about doing it wisely.The following points are among those covered by Simon and Bex in their discussion:Simon starts off by referring to the Parable of the Talents (Matthew 25.14-18) - also known as the Parable of the Bags of Gold - to illustrate the fact that the Bible describes money as a tool which needs to be used well. [01:12]However, Simon also goes on to acknowledge that our attitude towards money can be a major obstacle to faith, as can be seen from Jesus’s comment that, “It is easier for a camel to go through the eye of a needle than for someone who is rich to enter the kingdom of God” (Matthew 19.24; Mark 10.25); this point of view is reinforced by a passage in 1 Timothy 6 (verses 9-11), which includes the statement, “the love of money is a root of all kinds of evil”. [04:09]Bex asks whether investing money is therefore incompatible with the Christian faith because its aim is to increase how much money a person has. Simon responds by suggesting that the key issue is a person’s attitude, with generosity and obedience to God being crucial, as illustrated by 1 Timothy 6.17-19, with its exhortation to “those who are rich in this present world” to “be generous and willing to share”. This principle is reinforced in Acts 4.34-35, which describes an ongoing pattern of generosity: “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.” [05:15]Simon also mentions that the Bible indicates that it is right to provide for our families (both now and in the future) but, again, the crucial point is to ensure that wealth and money do not get in the way of following God. [06:54]Moving on from the theological perspective to practical matters, Simon explains that his aim is to provide a framework for understanding how we can, and why we should, put our money to work by investing it. The points that he covers when outlining this framework are as follows: Inflation [08:14]; Bank Accounts [09:52]; Shares and Shareholders [11:27]; and Pensions. [13:30]Simon then goes on to explain the following key terms and factors that are important to understand in connection with Investing: Asset Classes [15:16]; Tax Wrappers (including ISAs and salary sacrifice arrangements) [18:07]; Investment Funds (including the principle of diversification, to which there is a reference in Ecclesiastes chapter 11!) [20:55]; Risk [21:48]; Time [22:57]; Cost and Fees. [24:01]Bex notes that the points covered in this episode will be taken up and expanded in one of the two new podcast seasons that will be running after the break being taken over the summer: Season 2 will go into greater detail on matters relating to financial planning for each key life stage, with an episode being devoted to each life stage, while Season 3 will focus on practical tasks associated with financial planning. [24:55]Thank you for listening to Season 1 of ‘Where Your Treasure Is…’ We will be back after a short break, but look out for at least one bonus episode from us in the meantime!

In Season 1 Episode 9 of ‘Where Your Treasure Is…’, Simon and Bex continue to look at ways in which financial planning strategies can be applied to key life stages. Generic principles grouped together under the acronym PEPSI (Protection; Emergency Fund; Pension, Savings, Investment) are again used to identify financial needs and priorities at each life stage.Points of particular significance that are covered in this episode include the following:Having concentrated last time on the first life stage (‘Starting Out’), Simon begins by considering issues associated with ‘Starting a Family’, whether that be establishing a lifelong relationship or having children. [01:29] He highlights the fact that the arrival of children can be a good reason to review matters associated with the principle of protection. [03:09]Understanding tax, budgeting for a surplus, pensions and investing are among the topics covered when commenting on the third life stage, ‘Your First Job’. [04:21]When discussing the fourth life stage, ‘Your First Home’, Simon considers property matters ranging from personal priorities for a home to affordability considerations, including the benefits of adopting a cautious and pragmatic approach to buying a home and moving house. [12:30]Simon suggests that it is worth spending time thinking about protection, pensions, building an effective saving habit and investing during the fifth life stage, ‘Career Progression’. [16:07]When speaking about life stage six, ‘Getting Ready for Retirement’, Simon gives the following tips: (i) get organised and gather together all of the relevant information (ii) check your state pension (iii) make specific plans regarding how you want to spend your retirement (iv) aim to make the financial transition to retirement as smooth as possible (eg by bolstering your pension during the final 5-10 years when you are working). [20:07]Talking about ‘Retirement’ itself, Simon highlights the importance of checking carefully all of your pension and national insurance details, as well as prioritising your health. [23:21]The final life stage, ‘End of Life Planning’, involves not only putting your affairs in order but also simplifying your finances, leaving behind clear information (including a will and power of attorney arrangements) and considering whether you wish to, and are able to, make some financial gifts while you are still alive. [24:55]The episode concludes with an explanation of the two new seasons that will be launched, following a break after the conclusion of season 1. One season will go into greater detail on matters relating to financial planning for each key life stage, with an episode being devoted to each life stage; the other season will focus on practical tasks associated with financial planning, with the aim of making topics accessible and relevant for listeners. The final episode of the current, introductory season will be ‘Investment Strategies’, which will look at some essential points that can assist people to invest wisely. [28:06]

In Season 1 Episode 8 of ‘Where Your Treasure Is…’, the focus is on ‘Financial Planning for Key Life Stages’. Foundational principles are explored by considering the situation faced by those who are starting out on their financial journey, but those principles are generic and are relevant for listeners whatever their life stage may be. Specific points of interest covered in this episode include the following:The podcast has attracted a wide audience from all stages of life, so the aim of this episode is to identify some key principles that will be relevant and useful for listeners regardless of the particular stage that they have reached in their own financial journey. [01:00]Simon refers to the acronym PEPSI to identify the generic principles that can be used to assess our financial needs and priorities at each stage of life: Protection; Emergency Fund; Pension, Savings, Investment [03:25]It is noted that while debt management does not appear as a category in its own right, it is an important “thread” that runs through all life stages and requires appropriate attention to avoid issues arising. [04:18]Simon explains the meaning of ‘Protection’ in a financial planning context. [05:53]Bex provides a list of eight life stages that each have their own distinct financial circumstances and would therefore benefit from having the five core principles applied to their specific needs and priorities. [06:23]Simon describes the first group identified by Bex: individuals who are “starting out’ on their financial journey. [07:09] He then goes on to analyse the relevance and usefulness of each element of the PEPSI approach to their situation: Protection [07:51], including a discussion about what a Christian’s attitude should be towards Insurance [10:23]; Emergency Fund [13:52]; Pension, Savings and Investment [17:23]Simon provides some closing observations that he hopes will be helpful for each of us as we endeavour to take forward our own financial journeys well. [19:55]The next episode of ‘Where Your Treasure Is…’ will continue the financial planning theme, covering the remaining key life stages and applying the PEPSI principle to them. [21:25]

In Season 1 Episode 7 of ‘Where Your Treasure Is…’, Simon and Bex continue to explore the theme of ‘Negative Money’, a term used by Simon to prompt us to think about various kinds of debt and borrowing that can be part of our financial experience these days.Some key points of interest covered in this episode include the following:Initially, a quick recap of Part 1 of this topic is provided. [01:02]Some points to consider regarding bank overdrafts are put forward. [02:49]When discussing credit cards, it is acknowledged that they can be useful, but Simon suggests that they should be treated with caution and an awareness that they can prove problematic if they are not managed carefully. [04:37]Bex and Simon talk about various kinds of loans, and issues associated with them, [09:14] before Simon goes on to remind listeners of the two key questions to ask when considering the possibility of taking on any kind of debt. [11:31]Specific points relating to student loans are considered. [12:33] Simon highlights the fact that we are our own most valuable financial asset (because of our ability to work, earn money etc), so it can be a “good debt” to invest in our education, health and personal development. [14:51]Bex asks Simon about “buy now, pay later” arrangements (including those offered online by Klarna) and whether we should consider them to be good or bad debt options. [17:06]Simon talks about ‘snowballing’ approaches to paying off multiple debts. [19:56] If, however, attempts to manage debt are unsuccessful, very helpful information and advice can be provided by Christians Against Poverty and Citizens Advice [23:35]In next week’s episode of ‘Where Your Treasure Is…’, the topic under discussion will be ‘Financial Planning for Key Life Stages’. [24:30]

In Season 1 Episode 6 of ‘Where Your Treasure Is…’, Simon and Bex consider the topic of ‘Negative Money’, a term used by Simon to prompt us to think about various kinds of debt and borrowing that can be part of our financial experience these days.A key theme running through the show is the importance of being able to distinguish between “what we need” and “what we want”.Some key points of interest covered in this episode include the following:In response to a question from Bex, Simon explains why he has chosen to call the episode ‘Negative Money’ rather than ‘Debt’. [00:48]Bex asks Simon what kinds of financial transaction he would include under the heading of ‘Negative Money’. [01:48]As his starting point for opening up a discussion about debt and borrowing, Simon comments on the Shakespearean quotation: “Neither a borrower nor a lender be”. [02:50]Simon highlights the following verses from the Bible which mention debt and borrowing: Deuteronomy 15.1-15; Proverbs 22.7 (“The rich rule over the poor, and the borrower is slave to the lender”); Romans 13.8 (“Let no debt remain outstanding, except the continuing debt to love one another, for whoever loves others has fulfilled the law.”) [04:55]Three key principles arising from biblical teaching on debt are identified: try to avoid getting into debt; if you are in debt, try to get out of it as soon as possible; if you can make a payment to reduce or remove debt, do so. [06:44]Bex comments that it is virtually impossible to avoid debt in contemporary society and asks Simon whether all debt is bad. [08:19]Simon talks about mortgages as a means of considering issues raised by a couple of key questions: Does God want me to borrow money in certain circumstances? Can there be such a thing as a “good debt”? [09:43]Bex asks Simon to apply the “good debt” principles that he has identified to another significant purchase: buying a car. [13:54] As part of his response, he highlights the importance of recognising the difference between “what we need” and “what we want”. [14:59]Affordability (in this case, of a debt rather than of an item being purchased) is identified as another key point that needs to be taken into account in this area, along with the associated “risk and reward” considerations. [18:44]However, even if careful decision making has taken place, with the aim of managing any possible risks, financial shocks can still happen. In such instances, Christians Against Poverty and Citizens Advice can be invaluable sources of information and advice. [22:09]The next episode of ‘Where Your Treasure Is…’ will continue the theme of ‘Negative Money’, including some thoughts on how to get out, and then stay out, of debt. [23:53]

In the fifth episode of Season 1 of ‘Where Your Treasure Is...’, Simon and Bex take a deeper dive into the topic of Giving. They consider what the Bible says about the subject and discuss how various key points should be interpreted. Simon outlines his own thoughts and practice in this area with the aim of providing listeners with some points which may be helpful to them as they consider this aspect of their finances.Key points that are covered in this episode include the following:• Bex invites Simon to share his thoughts about tithing, a topic which can prompt a fair amount of debate among Christians. [03:09] Bible verses to which he refers when discussing the principles behind tithing, and how we should interpret them, include the following: Matthew 23.23 where Jesus endorses tithing but stresses that it must be accompanied by principled living and a focus on justice and mercy [07:24]; Mark 12.41-44 (the widow’s offering) as an example of proportionate and sacrificial giving [08:10]; 1 Corinthians 16.1-2 to highlight the importance of planned and regular giving [09:32]; and 2 Corinthians 9.6-13 as a passage that draws attention to the joy and blessing that is widely experienced when God’s people are generous in their attitudes and behaviour. [10:56]• Simon comments that much of what he has been saying can be summarised as follows: “It's not about how much we give but about what we do with the how much that we have been given." [13:01] • Simon explains the practices that he has adopted in this area in the hope that they will provide listeners with a helpful starting point for their own reflections on the topic. He covers the following points: (1) To whom should we give? [13:59]; (2) When should we give? (Part 1 – in general terms) [15:11]; (3) When should we give? (Part 2 – dealing more specifically with the practicalities of regular giving) [16:38] (4) How should we give? (Part 1 - the benefits of a standing order) [17:32]; (5) How much should we give? [19:18]; (6) How should we give? (Part 2 – the advantages of Gift Aid) [21:55]; (7) How can we factor in irregular giving? [24:14]; (8) How can we involve our family in this area? [25:10]• In response to a question from Bex, Simon provides some thoughts on how people might start giving if this is something that they haven’t done before and they are finding the issue quite daunting. [20:27]• Simon indicates that he is very happy to take queries and requests for further information from listeners on this topic. This can be done by emailing [email protected] [26:26]• We would love you to join us for the next episode of ‘Where Your Treasure Is...’, when our theme will be 'Negative Money', covering topics such as Debt, Loans, Credit Cards, Overdrafts, Mortgages and Buy Now Pay Later. [26:58]

In the fourth episode of Season 1 of ‘Where Your Treasure Is...’, Simon and Bex consider the key topic of Foundations of Faithful Finance, first of all from an individual point of view, and then by looking at five foundations that everyone can use when managing their finances. Key points that are covered in this episode include the following:• In response to a question from Bex, Simon identifies three elements that are at the heart of his endeavours to be faithful to God in the way that he deals with his finances: faith, family and philanthropy. [00:53]• He goes on to explain what he means by ‘philanthropy’. [01:36] (NB Despite describing his core values as the three ‘F’s, Simon does know how to spell ‘philanthropy’. 😉)• Simon observes that while the composition of the foundations of faithful finance are likely to differ from person to person, the faith aspect – our relationship with God – should always come first. He uses the following Bible verses to illustrate that point: “To obey is better than sacrifice” 1 Samuel 15.22; “Woe to you, teachers of the law and Pharisees, you hypocrites! You give a tenth of your spices – mint, dill and cumin. But you have neglected the more important matters of the law – justice, mercy and faithfulness. You should have practised the latter, without neglecting the former.” Matthew 23.23 [03:16]• Simon provides thoughts on the relationship between faith and finance, which can be very challenging in this day and age when money is given such prominence. [07:06]• Simon goes on to speak about the challenge of giving family its rightful place as one of his priorities when it can be so easy to persuade yourself that establishing financial security for your family is the best way of achieving that goal. [08:20]• It is acknowledged that not everyone will have philanthropy as one of their personal, faith-related, financial priorities, with Simon explaining that he regards it as a specific and particular ‘gift’ entrusted to him by God, along the lines outlined in Roman 12.6-8: “We have different gifts, according to the grace given to each of us. If your gift is prophesying, then prophesy in accordance with your faith; if it is serving, then serve; if it is teaching, then teach; if it is to encourage, then give encouragement; if it is giving, then give generously; if it is to lead, do it diligently; if it is to show mercy, do it cheerfully.” [10:55]• Simon lists five foundations of faithful finance that are applicable to everyone and will be explored in future episodes: Budgeting [14:08]; An Emergency Fund [15:48]; Compound Interest [16:47]; Protection [18:33]; Pensions [20:20]• Four more topics will be covered during this first season: Giving; Negative Money; Life Stages in Financial Planning; and Investment Strategy. These themes will also be developed in future episodes, with Season 2 concentrating on the Life Stages strand. [22:34]• The priority, however, continues to be to provide content that is genuinely useful to our listeners, so please contact us at [email protected] with any feedback, requests, queries or suggestions. [24:00]• You are warmly invited to join us for the next episode of ‘Where Your Treasure Is...’, which will focus on Giving. [25:26]

In this episode of ‘Where Your Treasure Is...’, Season 1 (Foundations of Faith & Finance), Simon and Bex discuss Financial Planning and its potential benefits for anyone wanting to manage their money wisely and effectively. They comment that a key point to note is that it is important to establish personal priorities at the outset so that finances can then be used to achieve relevant and desirable goals.Points that may be of particular interest in this episode include the following:In response to a question from Simon, Bex provides two examples from the Bible of references to planning involving finances: (1) Jesus’ illustration of the need to calculate the overall costs before starting to build a tower, Luke 14.28-30; (2) the Parable of the Rich Fool, Luke 12.16-21 [01:36]Simon explains that although the passages seem to be at odds with each other, they make sense when interpreted in context: one is highlighting the need to count the cost before undertaking a venture; the other is warning of the dangers of greed and placing trust in wealth and possessions. In a broad sense, they each deal with financial planning issues but, in each instance, they do so in a distinctive, specific manner which needs to be understood in its own right. [03:13]Simon provides an overview of what financial planning is, going on to comment that it can enable us to use today’s money to meet not only today’s needs but also the needs that we (and possibly others linked to us) may have in the future. [04:59]Simon comments that financial planning does not start with money! Instead, it begins with a clear understanding of what we consider our purpose in life to be and what our priorities are. [06:37]Simon talks about a common purpose that he thinks that all Christians share: to worship and glorify God. He then goes on to outline specific purposes to which he feels that God has called him, such as devoting himself to his marriage, family and relationships, and also using his financial skills to create wealth so that it can be passed on to others. [08:19]It is recognised that not everyone will be absolutely clear about all aspects of their purpose and priorities in life; financial planning is, nevertheless, relevant and important for all of us because it can help us to explore the relationship between our faith and our possessions, prompting us to consider how we can become the best possible stewards of what we have. [10:03]Simon observes that the type of financial planning that we do depends on our stage in life. Whatever our circumstances, though, Simon would encourage us to have open and natural conversations about money. [12:26]Simon explains the difference between financial planning and financial advice. The former continually bears in mind the overview of an individual’s finances, taking into account their values, principles and priorities; the latter adopts a more ‘technical’ approach, concentrating on the practicalities of how to set up effective financial processes, where to invest etc. [17:05]Simon goes on to comment that it is generally better to get some kind of assistance and external input when dealing with matters relating to financial planning and advice but stresses that, much of the time, this does not need to come from experts. Conversations with others and reference materials (including podcasts!) can be very helpful in this area. This topic will be developed in future episodes but, as an example of the way in which financial matters can be simplified, Simon mentions that a work pension and an ISA can meet the core needs of most people in the UK. [18:18]When asked who should use a financial planner, Simon comments that large and complex financial arrangements may require that kind of input and that it can also be very helpful when planning for retirement. [20:09]However, everyone can undertake basic and important financial planning that will give them a good foundation for managing their money. The earlier that people can start doing this the better [21:11]How often should a financial plan be updated? [22:11]And how do we make a plan resilient so that it can cope with unforeseen circumstances? [23:47]For anyone who is in the category that Simon mentions of looking for assistance in response to finding themselves in financial difficulties [26:25], Simon would highly recommend seeking advice from Christians Against Poverty (https://capuk.org/), who also run a very practical CAP Money Course, which could be relevant and helpful for anyone.LinksChristians Against Poverty: https://capuk.org/CAP Money Course: https://capuk.org/i-want-help/courses/cap-money-course/introduction

In the second episode of ‘Where Your Treasure Is...’, Season 1 (Foundations of Faith & Finance), Simon and Bex explore what the Bible has to say about money.Key points covered include God being the creator and owner of all things, with our role being one of stewardship: to be wise, faithful and responsible managers of the wealth and possessions entrusted to us.Specific points of interest in this episode include the following:Simon starts by observing that the Bible has a great deal to say about money, referring to it in many different contexts and highlighting regularly its relevance and significance for us. [01:04]The aim of this episode is to provide an overview of key themes relating to money that are mentioned in the Bible in order to establish a foundation for topics that will be covered in greater depth in future episodes. [02:41]The first key theme is that God is the creator and owner of all things. Bible verses: “The earth is the Lord’s, and everything in it” Psalm 24.1; “To the Lord your God belong the heavens... the earth and everything in it” Deuteronomy 10.14; the Parable of the Talents, Matthew 25.14-30; “Everything comes from you, and we have given you only what comes from your hand” 1 Chronicles 29.14; “Who has ever given to God, that God should repay them? For from him and through him and for him are all things.” Romans 11.35-36; “But seek first his kingdom and his righteousness, and all these things will be given to you as well.” Matthew 6.33 [03:33]‘Stewardship’ seems to best describe the biblical relationship between mankind and money: God delegates authority and responsibility to us for what he has given us but also holds us accountable for the way in which we do that in practice. Bible verses: “The highest heavens belong to the Lord, but the earth he has given to the human race.” Psalm 115.16 (see also Genesis 1.28 and Psalm 8.6); the Parable of the Talents, Matthew 25.14-30; “From everyone who has been given much, much will be demanded; and from the one who has been entrusted with much, much more will be asked.” Luke 12.48; "For we must all appear before the judgement seat of Christ, so that each of us may receive what is due to us for the things done while in the body, whether good or bad." 2 Corinthians 5.10 [06:17]Simon explains that he has drawn heavily from Mark Lloydbottom’s excellent book ‘Blueprint: Reflections on Money, Wealth and Possessions’ when identifying themes to be covered in the podcast. [10:01]The Bible’s attitude towards debt is explored, highlighting some of the implications of being in debt and possible responses to being in that situation. The discussion also considers briefly the nature of ‘debt’ in modern society and some of the different ways in which it is handled. [10:39]For anyone for whom debt is a current issue, Simon would highly recommend seeking advice from Christians Against Poverty (https://capuk.org/), who also run a very practical CAP Money Course, which could be relevant and helpful for anyone. [15:01]Honesty runs through the Bible as a key principle, which can be challenging in modern society where we can often be tested on matters of integrity relating to financial matters. [15:43]Another key biblical principle is the importance of generosity and giving to others. It can be hard for us to get our heads fully around what the Bible says about giving; in addition; it is not always an easy topic to discuss in a church setting. It is, nevertheless, of crucial importance, especially as – through ‘the grace of giving’ - it can be a means by which blessings can be experienced not only by the recipients of gifts but also by those who give. [19:07]Contemporary financial topics – such as saving options and investments – will be covered during the podcast. In addition, matters relating to retirement – a concept that does not feature strongly in the Bible – will be discussed against a backdrop of established biblical principles and priorities. [24:30]The Bible also covers topics such as budgeting, financial planning, teaching our children about money, taxation and lifestyle – these will also be explored with the aim of helping listeners to develop a clear understanding of modern financial planning, supported by a strong biblical foundation. [25:24]The next episode will focus on Financial Planning. [27:18]LinksMark Lloydbottom: ‘Blueprint: Reflections on Money, Wealth and Possessions’Christians Against Poverty: https://capuk.org/CAP Money Course: https://capuk.org/i-want-help/courses/cap-money-course/introduction

In this first episode of ‘Where Your Treasure Is...’, Simon and Bex go back to basics and open up a discussion about what money actually is and how it can affect our attitudes towards financial matters. Three core principles that can help to shape our thinking about money are identified as being as follows: (1) Everything belongs to God – He is the originator and true owner of wealth (2) Our role is to be good stewards of the wealth and possessions entrusted to us by God, managing them faithfully and effectively on His behalf (3) If we demonstrate that we can be trusted to use resources in a godly manner, we may well find that further responsibilities of that nature come our way.Overall, the healthiest approach that we can take in this area is to look to God as our Provider first and foremost rather than focusing attention on money in its own right, which is likely to lead to worry and a sense of dissatisfaction.Specific points of interest in this episode include the following:Simon explains the history of money and comments that it originally used items, such as gold, that were regarded as possessing their own intrinsic value and could therefore be used as a medium of exchange. [02:36]In the modern world, however, money has developed more into a ‘promise’ which is usually processed in a digital manner rather than existing in a physical format. [04:46]Our attitudes to, and appreciation of, money can be affected by the fact that it has become a fluid concept and can often be ‘virtual’ in form when we encounter it. [06:47]Education and experience are important in helping us to understand how money works. [08:38]Simon talks about the emotion around, and the ‘value’ of, money, noting that the Bible comments regularly on the significance and impact of our habits and attitudes in this area. [09:49]Bex gives the story of the Rich Young Ruler (Matthew 19: 16-30; Mark 10: 17-31; Luke 18: 18-30) as a biblical example of someone who put his trust in the wrong place. [10:48] Simon observes that people can find that money on its own does not necessarily fix major concerns in life, such as health and relationships, and that is why this podcast explores what we should value as ‘treasure’, and how our money and possessions should then fit into that perspective. [11:38]Simon speaks about using money as a tool to support our own values and priorities rather than focusing on it as an end in itself. [14:04]Simon asks Bex about her purpose in life to illustrate a key issue underpinning the choices that we make in connection with our use of money. [16:07]Bex observes that widely varying attitudes towards money can be prevalent in churches and asks Simon for his thoughts on that point. [18:31]Simon comments that there are basic principles that are important when trying to arrive at a biblical understanding of how we should deal with money. The first is recognising that God owns all things and that everything we have is a gift from Him. (Psalm 24:1  “The Earth is the Lord’s and everything in it.”) [20:11]The second principle is Stewardship, the idea that we don’t actually ‘own’ our money and possessions; instead, we look after and manage them on behalf of God. [21:11]Thirdly, there is the Trust and Test principle, which prompts us to be faithful and conscientious in the manner in which we handle any wealth or possessions entrusted to us by God. [22:31]Simon concludes by highlighting the fact that the Bible talks about worry being the outcome when people make money their focus. Instead, the best foundation for developing good practices and attitudes in our personal finances is to look to God, first and foremost, as our Provider. [24:38]Feedback, comments and questions are invited from listeners, who can direct emails to [email protected]. [25:58]The next episode will explore what the Bible has to say about money. [26:39]Podchaser Reference Code:Qf9qwIBwDv5z04yPvmTE

The 'Where Your Treasure Is...' podcast has been designed to provide information and ideas for anyone wishing to understand principles that can help Christians to be faithful and effective in their use of money.In this introduction to the show, co-hosts Simon Glazier and Bex Elder pose some initial questions for listeners to set the scene, before going on to introduce themselves: Simon is an award-winning financial planner who now runs his own business while Bex is a freelance writer and translator who also works one day per week for her church as its Assistant Youth Pastor.Simon concludes the trailer by explaining that he and Bex will be exploring financial principles that they see in the Bible and will be discussing how these can be applied to our lives and financial situations.The show launched on Wednesday 11 May 2022, with subsequent episodes appearing weekly, apart from when short breaks are taken between seasons.For more information, please follow us at https://where-your-treasure-is.captivate.fm/ and https://www.instagram.com/whereyourtreasureispodcast/or contact us at [email protected] This show has been brought to you by Free Range Podcasting.