In Episode 9 of this Faith and Finance Top 10s season, guest contributor, Dave Hall, shares his top ten money tips for teenagers.

Some key points of interest covered in this episode include the following:

• Dave introduces himself [01:24], explaining how he became a Christian [01:57] and the steps that led him to become Youth Pastor of Catalyst Vineyard Church, Aberdeen. [03:26]
• Dave’s first top tip is to be a good steward. [06:12]
• Top tip number two is to live simply and to be generous with any surplus. [07:56]
• Thirdly, Dave highlights the importance of regarding money as a tool. Of itself, it is neither good nor bad; rather, it is ‘the love of money’ (1 Timothy 6. 10) that creates issues. [10:17]
• Next, Dave uses the example of King David (2 Samuel 24) to illustrate the importance of giving ‘until you feel it’ in response to God’s love and out of a desire to bless others. [12:31]
• Another key point for teenagers to take on board is to realise that the way that they use their money can have significant and far-reaching consequences. [15:26]
• Dave draws attention to the ways in which teenagers are influenced these days and suggests that they are more interested than we might think in receiving input from wise, genuine, trusted adults whom they know. [18:18]
• Arising from his own experience, Dave’s next tip is to learn budgeting, with the Christians Against Poverty Money Course being recommended as one good source of information and instruction on this topic. [21:57]
• Dave also feels that teenagers can benefit hugely from learning the value of saving and also of delaying gratification. [23:06]
• Dave’s penultimate tip is to be open and accountable about money matters, with ‘loud budgeting’ receiving a mention as a relatively new trend that could be helpful in this regard. [25:26]
• Dave’s final top tip is to have conversations about money little and often rather than relying on lengthy, one-off discussions. [27:28]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk while messages via Instagram should be directed to @whereyourtreasureispodcast.

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In Episode 8 of this Faith and Finance Top 10s season, Simon and Bex discuss ten top tips for Christians in the Workplace.

Some key points of interest covered in this episode include the following:

• Simon’s first top tip is to know what we think about money and to have a good grasp of key values that will determine how we deal with financial matters in the workplace. [01:48]
• Top tip number two is to know why we are working, beyond simply to acquire money to pay the bills. Simon recommends ‘God at Work’ by Ken Costa as a book that can be helpful and thought-provoking on this theme. [04:16]
• Thirdly, Simon highlights the desirability of understanding the financial world and its challenges, issues and complexities. [07:52]
• Next, Simon talks about the importance of bringing our work before God on a regular basis. [10:08]
• Another key point is to talk openly with others about our work and, in particular, to endeavour to find peers operating in a similar line of work with whom we can share insights and queries. [12:08]
• Top tip number six is to embed generosity and giving into our beliefs and actions around work and the workplace. [14:37]
• In addition, the ability to develop and apply our values across a whole range of workplace situations can really help us to respond consistently in a godly and appropriate manner to new challenges and predicaments. [17:12]
• There can also be great advantages in building up a network of contacts with relevant skills and knowledge who can help us to anticipate issues, as well as being available to provide support, wisdom and encouragement in a bespoke and meaningful manner when necessary. [19:42]
• Simon’s penultimate tip is to encourage us to be bold and courageous in the workplace, to respond to prompts from our conscience and to stand up for what we believe to be right. [21:47]
• Simon’s final top tip is to reread Proverbs regularly because it has so much to say about money that can bring wisdom, thought-provoking insight and a godly perspective. [24:25]
• In the penultimate episode in this season, a guest contributor in the form of Dave Hall, youth pastor, will be giving his top ten tips for young people wanting to manage their money well. [25:52]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk 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 Episode 7 of this Faith and Finance Top 10s season, Simon and Bex discuss ten top tips in connection with preparing for retirement.

Some key points of interest covered in this episode include the following:

• Simon’s first top tip when planning for retirement is to start early. [01:14]
• Top tip number two is to try to keep abreast of the current, basic rules affecting pensions. Various websites such as Gov.UK, Money Saving Expert and those belonging to debt charities, such as Christians Against Poverty, can be very helpful in this regard. [03:17]
• Thirdly, Simon stresses the importance of maximising one’s State Pension eg by buying additional years, if need be. The Money Saving Expert website has some particularly helpful articles on this topic. [06:10]
• A tip for those who are one or two years off retirement is to maximise their pension contributions during that period. [08:57]
• Because of the number of different pension schemes available these days, the next tip is to ensure that you understand fully the nature of your pension arrangements and, in particular, the best way of taking money out of your pension(s). [10:09]
• Simon explains why it is important to create a retirement budget and to take account of how the cost of living might change over time. [11:49]
• The next priority identified by Simon is to collate information about your possible sources of income during retirement so that your plans can be as realistic as possible. [15:32]
• Simon suggests that, depending on circumstances, a useful tip for some people could be to consider consulting a financial planner. [17:10]
• Simon’s penultimate tip is to start applying for pensions early; don’t wait until just before you retire as it’s not an instant process. [20:15]
• Simon’s final top tip is to consider phased retirement, if that is an option for you. [21:51]

Suggestions or feedback arising from this episode can be sent via email to whereyourtreasureis@freerangepodcasting.co.uk 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.