In part two of our tax special, our host Iona Bain and accountant Tim Paul dive deeper into the tax topics that matter most - from side hustles and rental income to tax-free childcare and ISAs.

Tim breaks down what the rules really mean, how to stay on the right side of HMRC, and the quick wins that can stop you overpaying tax like checking your tax code, understanding allowances, and making the most of your pension.

If you’ve ever wondered how much you can earn tax-free, when you need to declare your extra income, or how to make your savings truly tax-efficient, this is your jargon-free guide to keeping more of what you earn.

You can watch episodes on L&G’s YouTube channel

And see behind the scenes content on TikTok and Instagram

You can play the podcast and find other useful content on L&G’s website:

https://www.legalandgeneral.com/podcasts/a-little-bit-richer

Follow Tim Paul on Instagram

The information in this episode is correct when published on 13 November 2025. However if you’re listening at a later date, please double check as there may have been changes.

Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser.

See omnystudio.com/listener for privacy information.

Tax. It’s something we all pay, but few of us truly understand much about this large deduction from our earnings. In this first of two bite-sized episodes, our host Iona Bain sits down with accountant and finance content creator Tim Paul to shed some light on how it works.

Tim explains how you can reduce your tax bill through clever tools like salary sacrifice and pension contributions, putting more of your hard-earned money to good use while still playing by the rules.

If you’ve ever wondered whether you making the most of tax-free benefits through your employer, this episode will leave you feeling a little bit richer and a lot more tax-savvy.

You can watch episodes on L&G’s YouTube channel

And see behind the scenes content on TikTok and Instagram

You can play the podcast and find other useful content on L&G’s website:

https://www.legalandgeneral.com/podcasts/a-little-bit-richer

Follow Tim Paul on Instagram

Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser.

The information in this episode is correct when published in October 2025. However if you’re listening at a later date, please double check as there may have been changes.

See omnystudio.com/listener for privacy information.

If you’ve ever changed jobs, chances are you’ve collected a few different pension pots along the way. Did you know bringing them together is easy and could save you money and time in the long term?

In this episode, our host Iona Bain is joined by Mike Crossley, Head of Workplace Pension Consolidation at L&G, to demystify the process of consolidation.

Together, they tackle the big questions: How easy is it to do? Could lower fees and clearer tracking of your savings make it worthwhile? How do you know if this is the best thing for you to do? Do you need an expert to help?

Mike explains how pension transfers work (often faster and simpler than you might think), the potential long-term benefits, and the key safeguards designed to protect savers.

Whether you’ve got £200 or £200,000 saved, this episode will help you take control of your retirement planning and maybe reduce your future life admin too.

You can watch episodes on L&G’s YouTube channel

And see behind the scenes content on TikTok and Instagram

You can play the podcast and find other useful content on L&G’s website:

https://www.legalandgeneral.com/podcasts/a-little-bit-richer

Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from L&G’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser.

See omnystudio.com/listener for privacy information.