WEBVTT - From Side hustles To Childcare. Tax-Free Hacks: Part Two

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<v Speaker 1>This  series  is  brought  to  you  by  L&amp; G,  helping 

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<v Speaker 1>you  build  a  future  but  a  little  bit  richer.

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<v Iona Bain >Hello  and  welcome  to  A  Little  Bit  Richer  with  me 

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<v Iona Bain >Iona  Bain,  brought  to  you  by  Legal &amp;  General.  Now  we're 

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<v Iona Bain >back  with  part  two  of  our  tax  special  with  accountant 

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<v Iona Bain >Tim  Paul.  You  can  go  back  and  have  a  listen 

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<v Iona Bain >to  part  one  if  you  haven't  already  had  a  chance 

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<v Iona Bain >to  do  so.  Definitely  recommend  it  but  for  now  let's 

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<v Iona Bain >dive  in.  Tim,  are  you  ready?

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<v Tim Paul>I'm ready.

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<v Iona Bain >Let's  go.  Let's  talk  about  side-hustles  because  I  get  asked 

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<v Iona Bain >a  lot  about  whether  you  should  pay  tax  on  your  side-

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<v Iona Bain >hustle.  What's  the  answer?

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<v Tim Paul>It  depends  on  how  much you  earn.  So  with  this  the 

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<v Tim Paul>key  thing  that  you  want  to  look  at  is  something 

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<v Tim Paul>called  the  trading  allowance. And  the  trading  allowance  in  the  UK 

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<v Tim Paul>everyone  is  entitled  to  earn  up  to £1, 000  a  year 

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<v Tim Paul>through  side- hustles,  separate  income  outside  of  what  you  earn 

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<v Tim Paul>from  your  day- to- day  salary  and  job.  And  up 

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<v Tim Paul>to  this  amount  you  don't  have  to  declare  the  income, 

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<v Tim Paul>you  don't  have  to  pay  any  tax  on  it.  Obviously 

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<v Tim Paul>when  you  go  above the £1, 000  that's  where  it  gets  a 

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<v Tim Paul>bit  more  interesting.  At  that  point  you  have  to  start 

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<v Tim Paul>declaring  it,  you  have have  to  register  for  self- assessment  and you 

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<v Tim Paul>have  to  do  this  within  a  certain  date.
 So  let's 

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<v Tim Paul>say  you're  selling  clothes  online,  on  Vinted  which  a  lot 

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<v Tim Paul>of  people  do  these  days,  or  Uber  driving  as  a  side-

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<v Tim Paul>hustle,  if you earn  above  that £1, 000,  let's  say  the  current  tax 

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<v Tim Paul>year,  so  the  tax  year  runs  from  April  '25  to 

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<v Tim Paul>April  '26,  if  you  earn  say £ 3, 000, £4,000  in  that 

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<v Tim Paul>tax  year  through your  side-hustles,  you've  gone  above  the  trading  allowance, 

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<v Tim Paul>so  what  you  need  to  do  is  register  for  self-

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<v Tim Paul>assessment  by  October  5th  2026  and  then  pay  the  applicable 

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<v Tim Paul>tax  on  the  self- assessment  in  January  of  2027.  That's 

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<v Tim Paul>essentially  how  the  process  works  and  it  will  basically  be 

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<v Tim Paul>added  on  as  additional  income  to  what  your  salary  is. 

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<v Tim Paul>So  if  you earn £40, 000  from  your  salary  and  you've  earned £ 4,

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<v Tim Paul>000  from  your  side- hustle  you'll  by  paying  the  extra 

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<v Tim Paul>tax  as  in  total  you've  earned £ 44,000  for  that  tax 

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<v Tim Paul>year.  So  yeah,  you'll  pay  the  20%  income  tax, the 8%  National 

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<v Tim Paul>Insurance  on  that  income  that  you've  earned  from  side- hustles.


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<v Tim Paul>The  key  thing  to  remember  is  that  obviously  you  can 

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<v Tim Paul>deduct  expenses  so  any  subscriptions  fees,  travel  costs  that  you've 

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<v Tim Paul>incurred,  any  equipment  that  you've  bought,  stationary,  even  if  it's 

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<v Tim Paul>something  really  small  like  pens  and  notepads  or  books,  whatever 

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<v Tim Paul>it  might  be  that  you've  used  whilst  doing  the  side-

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<v Tim Paul>hustle,  you  can  obviously  deduct  that  as  an  expense  and 

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<v Tim Paul>then  you  get  to  a  figure  that  will  be  called 

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<v Tim Paul>profit  and  then  you  pay  the  tax  on  that  profit.

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<v Iona Bain >So  keep  the  receipts.

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<v Tim Paul>Keep  your  receipts  people.

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<v Iona Bain >And  if  anyone's  thinking " Do  I  have  to  declare  this 

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<v Iona Bain >really?  Will  the  taxman  get  to  find  out  about  it?" 

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<v Iona Bain >what's  your  advice.

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<v Tim Paul>Well  my  advice  is  don't  even  think  about  that  because 

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<v Tim Paul>HMRC  receive  date  from  Etsy,  from  Airbnb,  from  Uber,  from 

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<v Tim Paul>all of  the  online  platforms  where  people  commonly  earn  extra  income. 

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<v Tim Paul>They  get  all  of  the  data  so  they  can  see 

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<v Tim Paul>everything.  They  can  get  access  to  your  bank  account.  No 

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<v Tim Paul>matter  what  it  is,  if you go  above  the  threshold  you  unfortunately 

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<v Tim Paul>have  no  choice  but  to  pay  the  applicable  tax.

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<v Iona Bain >Yeah.  No  hiding  place.  You've  got  to  come  clean.  But 

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<v Iona Bain >I  think  there  has  been  this  misperception  that  if  you 

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<v Iona Bain >earn  any  money  from  side-hustles,  then  you'll  have  to  pay 

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<v Iona Bain >tax  on  it.  I  think  there  were  quite  a  lot 

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<v Iona Bain >of  scary  headlines  about  this  when  it  was  reported  that 

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<v Iona Bain >HMRC  would  be  contacting  a  lot  of  theses  platforms  to 

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<v Iona Bain >get  that  data.  But £1, 000  is  quite  a  lot  to 

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<v Iona Bain >earn  over  the  year  especially  if  you're  selling  clothes  on Vinted or 

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<v Iona Bain >Depop  for  example.  A  lot  of  us  would  be  really 

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<v Iona Bain >lucky  to  get  to  that  amount.  So  it's  probably  fair 

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<v Iona Bain >to  say  that  it's  not  going  to  affect  everyone  who 

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<v Iona Bain >has  a  side- hustle.

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<v Tim Paul>No,  exactly  not.  If  you're  below  that  threshold  you  don't even 

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<v Tim Paul>have  to  think  about  it.  It's  just  a  case  of 

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<v Tim Paul>tracking  what  you're  earning  because  you  don't  want  to  accidentally 

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<v Tim Paul>go  above  and  forget  to  do  it.  So  it's  just 

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<v Tim Paul>make  sure  you're  looking  at  your  numbers  and if you  have  to 

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<v Tim Paul>pay,  you  have  to  pay.

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<v Iona Bain >Exactly.  Stay  on  top  of  it.
 Now  tax- free  childcare 

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<v Iona Bain >can  be  a  real  help  for  so  many  families  but 

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<v Iona Bain >it  can  be  lost  if  your  income  goes  past  a 

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<v Iona Bain >certain  level.  Can  you  just  talk  us  through  how  that works?

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<v Tim Paul>So  there's  two  main  benefits.  So  there's  tax- free  childcare 

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<v Tim Paul>and  there's  Child  Benefit.  People  confuse  the  two.  We'll  go 

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<v Tim Paul>through  tax- free  childcare  first.  So  that  is  a  scheme 

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<v Tim Paul>where  for  every £ 8  you  put  in for  tax- free  childcare, 

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<v Tim Paul>its  an  account  that  you  have  online  the  government,  you 

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<v Tim Paul>then  get  an  extra £ 2  back.  So  it's a  25%  bonus 

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<v Tim Paul>essentially.  So  if  you put in £ 80  then  you'll  get £ 100  back, 

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<v Tim Paul>an  additional £ 20.  That  benefit  will  get  lost  once  you 

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<v Tim Paul>or  your  spouse  is  earning £100, 000  or  more.  It's  not 

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<v Tim Paul>combined,  it's  each.  So  if  you  both  earned £ 99, 000 

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<v Tim Paul>each  you'd  still  qualify.

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<v Iona Bain >Oh.

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<v Tim Paul>Yeah,  the  threshold  is  quite  high  for  tax- free  childcare 

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<v Tim Paul>and  obviously  that  money  that  you  get,  the  bonus,  can 

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<v Tim Paul>be  put  towards  obviously  help  with  costs  for  raising  your 

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<v Tim Paul>child  or  children.
 Then  Child  Benefit  is  a  little  bit 

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<v Tim Paul>more  strict.  So  with  Child  Benefit,  you  get £1, 300  roughly 

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<v Tim Paul>for  your  first  child  for  the  year,  each  year  for 

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<v Tim Paul>your  first  child,  and  then  additional  children  you  have  it 

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<v Tim Paul>will  be  about £ 800, £900 per  year  that  you  receive  from  the 

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<v Tim Paul>government,  again  to  help  with  childcare  costs.  This  gets  lost 

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<v Tim Paul>or  starts  to  get  lost  once  you  hit  above £ 60,000. 

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<v Tim Paul>Again  that's  either  you  or  your  partner  earns £ 60,000  individually. 

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<v Tim Paul>Once  you  go  above  that  threshold  you  start  to lost  the 

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<v Tim Paul>benefit  or  the  amount  of  the  childcare  that  you  get 

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<v Tim Paul>by  1%  for  every £ 100.  Eventually,  once  you  hit £80, 000 

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<v Tim Paul>in  income  you  lose  the  Child  Benefit  completely  and  at 

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<v Tim Paul>that  point  you  don't  get  any  tax- free  income  though 

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<v Tim Paul>Child  Benefit  from  the  government.

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<v Iona Bain >So  it's  worth  being  mindful  of  that  especially  if  you 

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<v Iona Bain >are  starting  to  earn  a  decent  income.  Very  good  advice. 

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<v Iona Bain >Okay.  Let's  do  a  quickfire  round  on  some  of  the 

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<v Iona Bain >tax  thresholds.  Are  you  ready?

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<v Tim Paul>I'm  ready.

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<v Iona Bain >Great.  Personal  Allowance  on income.

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<v Tim Paul>So 0  to £ 12, 570  you  don't  pay  any  Income  Tax 

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<v Tim Paul>or  National  Insurance.

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<v Iona Bain >Personal  Savings  Allowance?

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<v Tim Paul>For  basic- rate  taxpayers,  that  is £1, 000  in  tax- free 

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<v Tim Paul>interest  you  can  earn.  For  higher- rate  taxpayers  that's £ 500 

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<v Tim Paul>in  tax- free  interest  and  then  for  additional  rate  taxpayers, 

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<v Tim Paul>again  when  you're  earning £ 125, 000  plus,  you  don't  get 

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<v Tim Paul>any  tax- free  interest.

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<v Iona Bain >Interesting  to  know. Dividend Allowance?

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<v Tim Paul>Yes,  so  dividends  if  you  are  a  director  of  a 

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<v Tim Paul>limited  company  or  if  you  invest  in  stocks  that  pay 

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<v Tim Paul>dividends,  you  can  earn £ 500  a  year  tax- free  from 

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<v Tim Paul>dividends that  you  don't  have  to  declare.  Above  that  you  have 

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<v Tim Paul>to  declare.

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<v Iona Bain >And  Capital  Gains  Tax  Allowance?

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<v Tim Paul>Capital  Gains  Tax  again,  if  you  own  shares,  stocks,  you 

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<v Tim Paul>have  to  pay  Capital  Gains  Tax  on  the  sale,  on 

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<v Tim Paul>the  gain  that  you  make.  So  if  you  bought  something 

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<v Tim Paul>for £ 10,000, you sold it for £20, 000,  you  then  have  to  pay  Capital  Gains 

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<v Tim Paul>Tax  on  the  gain  of the £10, 000  that  you  make.  You  get a £3,

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<v Tim Paul>000  annual  allowance  so  any  gains  you  make  that  are 

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<v Tim Paul>below £ 3000  no  tax  to  pay  and  you  can  actually 

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<v Tim Paul>transfer  that  to  a  spouse  to  make  it £ 6000  in  total.

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<v Iona Bain >I  think  you  smashed  that.

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<v Tim Paul>Thank  you.

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<v Iona Bain >Its  almost  like  you're  an  expert.  So  we've  just  mentioned 

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<v Iona Bain >a  few  more  taxes  that  people  might  have  to  think 

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<v Iona Bain >about  if  they're  saving  and  investing.  How  can  we  manage 

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<v Iona Bain >these  to  be  more  tax  efficient.

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<v Tim Paul>I  thing  I  talk  about  all  the  time,  nearly  every 

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<v Tim Paul>single  content  I  post  online  is  your  ISA,  Individual  Savings 

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<v Tim Paul>Allowance.  If  you  don't  know  what  that  is,  please  go 

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<v Tim Paul>and  research  what  that  is.  It  will  be  your  best 

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<v Tim Paul>friend  from  now  until  retiring.  So  what  the  allowance  is 

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<v Tim Paul>is £ 20,000  per  tax  year  that  you  can  invest  and 

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<v Tim Paul>put  into  your  ISA. There's  a  few  different  types  of  ISA 

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<v Tim Paul>as  well.  If  you  want  to  invest,  there's  a  stocks 

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<v Tim Paul>and  shares  ISA. If  you  just  want  guaranteed  interest  like  a 

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<v Tim Paul>normal  savings  account  but  tax- free  then  you'd  put  into 

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<v Tim Paul>a  cash  ISA,  and  if  you  want  to  save  towards 

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<v Tim Paul>a  home  you'd  put  it  into  a  lifetime  ISA. They are  the 

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<v Tim Paul>main  ones.
 But  it's £ 20,000 a  year  you  can  put  into 

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<v Tim Paul>this  ISA,  combined  across  all  of  them,  and all  the  gains, 

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<v Tim Paul>dividends,  interest  is  completely  tax- free.  It's  sheltered  so  the 

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<v Tim Paul>government  can't  touch  it.  They  can  get  everything  else  that 

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<v Tim Paul>you  earn  but  they  can't  get  the  gains  that  you 

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<v Tim Paul>make  from  within  your  ISA.  So  with  the  benefit  of 

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<v Tim Paul>compound  interest  where  you  can  earn  interest  year- on- year, 

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<v Tim Paul>if  you  start  investing  from  a  young  age  then  by 

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<v Tim Paul>the  time  you  reach  65  and  retire,  you  can  have 

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<v Tim Paul>a  huge  pot  of  money  saved  up  and  again,  all 

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<v Tim Paul>of  it  goes  to  you,  not  a  penny  goes  to 

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<v Tim Paul>the  taxman.  So  it's  a  huge  lever  that  we've  got 

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<v Tim Paul>in  order  to  mitigate  tax  and  actually  build  wealth  for 

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<v Tim Paul>ourselves  in  this  country.

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<v Iona Bain >And  again,  entirely  legal.

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<v Tim Paul>Entirely  legal.

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<v Iona Bain >And  finally,  say  you  own  a  property,  you're  renting  out 

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<v Iona Bain >a  room  to  help  bring  in  a  bit  of  extra 

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<v Iona Bain >cash,  can  you  talk  us  though  what  Rental  Income  Tax is?

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<v Tim Paul>Yeah,  so  rental  income  is  treated  slightly  differently.  So  there's 

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<v Tim Paul>a  scheme  called  The  Rent  a  Room  Scheme  which  means 

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<v Tim Paul>you  can  essentially  earn  up  to £ 7, 500  per  year 

0:08:39.840 --> 0:08:41.970
<v Tim Paul>from  rental  income  by  renting  out  a  spare  room  in 

0:08:41.970 --> 0:08:45.719
<v Tim Paul>your  house  and  essentially  that  is  all  tax- free.  So 

0:08:45.720 --> 0:08:48.150
<v Tim Paul>regardless  of  whether,  so  you've  got  a  side- hustle  that 

0:08:48.150 --> 0:08:51.480
<v Tim Paul>you've  already  earned £1, 000  or  you've  got  dividends  of £ 500, 

0:08:51.690 --> 0:08:54.870
<v Tim Paul>it's  a  separate  allowance.  So  regardless  of  the  other  income, 

0:08:54.870 --> 0:08:58.410
<v Tim Paul>regardless  of  your  salary  or  tax  band,  you  get that £7, 500 

0:08:58.440 --> 0:09:00.929
<v Tim Paul>allowance  you  can  earn  from  renting  out  a  room  and 

0:09:00.929 --> 0:09:02.850
<v Tim Paul>only  once  you  go  above  that  do  you  then  have 

0:09:02.850 --> 0:09:05.850
<v Tim Paul>to  do  the  self- assessment,  declaring  the  income  above  that 

0:09:05.850 --> 0:09:07.890
<v Tim Paul>amount.  But  that's  quite  a  good  allowance  that  a  lot 

0:09:07.890 --> 0:09:10.140
<v Tim Paul>of  people  can  make  use  of  but  obviously  only  if 

0:09:10.140 --> 0:09:10.860
<v Tim Paul>you've  got  the  spare  room.

0:09:11.520 --> 0:09:14.429
<v Iona Bain >Got  it.  And  what  if  you  think you  might  have  underpaid 

0:09:14.429 --> 0:09:16.800
<v Iona Bain >tax?  How  would  you  go  about  declaring  that?

0:09:16.800 --> 0:09:20.819
<v Tim Paul>If  you  are  thinking  that  you've  under- declared  or  underpaid 

0:09:20.970 --> 0:09:24.720
<v Tim Paul>via  self- assessment  you've  been  earning  from a  side- hustle,  that 

0:09:24.720 --> 0:09:27.360
<v Tim Paul>will be though  your  self- assessment  so  you'll  need  to  go  online, 

0:09:27.420 --> 0:09:30.090
<v Tim Paul>look  up  your  self- assessment  and  make  an  adjustment  or 

0:09:30.090 --> 0:09:32.520
<v Tim Paul>declare  the  correct  amount.  Best  thing  to  do  with  that 

0:09:32.520 --> 0:09:34.440
<v Tim Paul>is  to  speak  to  an  accountant  because  they  can  obviously 

0:09:34.440 --> 0:09:36.450
<v Tim Paul>guide  you  though  the  process  and  fill  out  the  form 

0:09:36.450 --> 0:09:39.960
<v Tim Paul>for  you.  If  it's  through  your  employment  you  will  always 

0:09:39.960 --> 0:09:42.570
<v Tim Paul>get  a  letter  in  the  post  if  you've  underpaid  your 

0:09:42.570 --> 0:09:45.870
<v Tim Paul>tax  so  that  will  tell  you  how  much  you've  underpaid 

0:09:45.870 --> 0:09:48.030
<v Tim Paul>by,  how  much  you  need  to  pay,  and  you'll  have 

0:09:48.030 --> 0:09:49.979
<v Tim Paul>a  link  to  where  to  go  online  to  then  pay 

0:09:49.980 --> 0:09:52.740
<v Tim Paul>that.  So  yeah,  there's  not  really  anything  that  you  need 

0:09:52.740 --> 0:09:54.960
<v Tim Paul>to  do  as  such,  it's  really  only  if  you  think 

0:09:54.960 --> 0:09:57.929
<v Tim Paul>that  you've  overpaid,  then  you  can  go  online and  look  that 

0:09:57.929 --> 0:10:01.559
<v Tim Paul>up  and  see if you're due  a  rebate.  But  if  you've  underpaid,  then 

0:10:01.559 --> 0:10:03.871
<v Tim Paul>they  will  make  sure  that  they  get  the  money  that they're owed.

0:10:03.871 --> 0:10:07.980
<v Iona Bain >Yeah, it's something that  you  really  do  need  to  pay  attention  to  and 

0:10:07.980 --> 0:10:10.709
<v Iona Bain >not  just  hope  will  go  away  because  yeah,  you  own 

0:10:10.710 --> 0:10:12.300
<v Iona Bain >that  money  and  it  needs  to  be  paid  back.

0:10:12.360 --> 0:10:12.510
<v Tim Paul>Yes.

0:10:12.570 --> 0:10:16.170
<v Iona Bain >So,  before  I  let  you  go,  what are  your  three  quick 

0:10:16.170 --> 0:10:20.460
<v Iona Bain >wins  for  people  that  can  help  them  ensure  that  they're 

0:10:20.460 --> 0:10:21.900
<v Iona Bain >not  paying  any  more  tax  than  they need to?

0:10:22.740 --> 0:10:25.290
<v Tim Paul>The  first  thing  I  would  say  is  checking  your  tax 

0:10:25.290 --> 0:10:29.400
<v Tim Paul>code.  So  for  the  majority  of  people  this  should  be 

0:10:30.360 --> 0:10:34.079
<v Tim Paul>1257L  to  reflect  their  personal  allowance.  If  your  code  on 

0:10:34.080 --> 0:10:36.929
<v Tim Paul>your  payslip  is  anything  other  that  1257L  and  you  don't 

0:10:36.929 --> 0:10:40.559
<v Tim Paul>know  why,  then  immediately  you  want  to  contact  your  employer 

0:10:40.620 --> 0:10:42.690
<v Tim Paul>and  get  that  sorted  out.  That  would  be  the  first 

0:10:42.690 --> 0:10:45.300
<v Tim Paul>thing.
 The  second  thing  I  would  say  is  there's  a 

0:10:45.300 --> 0:10:48.150
<v Tim Paul>government  app  now.  HMRC  have  an  app.  The  government  have 

0:10:48.150 --> 0:10:51.000
<v Tim Paul>an  app.  Download  both  because  what  you  can do is you  can  go 

0:10:51.000 --> 0:10:52.620
<v Tim Paul>on  the  app  and  you  can  actually  put  in  your 

0:10:52.620 --> 0:10:55.230
<v Tim Paul>details  and  then  it  can  tell  you  what  benefits  and 

0:10:55.230 --> 0:10:59.970
<v Tim Paul>allowances  you're  entitled  to:  childcare,  Child  Benefit,  Marriage  Allowance,  those 

0:10:59.970 --> 0:11:02.190
<v Tim Paul>kinds  of  things.  So  it's  actually  a  very,  very  good 

0:11:02.190 --> 0:11:04.290
<v Tim Paul>app  and  it  does  give  you  all  the  information  that 

0:11:04.290 --> 0:11:06.809
<v Tim Paul>you  need:  your  National  Insurance  contributions,  how  much  tax  you're 

0:11:06.840 --> 0:11:10.620
<v Tim Paul>paying,  your  self- assessment  record,  even  your  National  Insurance  Number, 

0:11:10.710 --> 0:11:13.050
<v Tim Paul>everything  like  that.  So  that  would  be  the  second  thing 

0:11:13.050 --> 0:11:15.720
<v Tim Paul>to  see  what  you  can  get.
Then  the  third  thing  is 

0:11:15.780 --> 0:11:19.050
<v Tim Paul>the  pensions  point.  Get  your  pension  sorted.  If  you  don't 

0:11:19.050 --> 0:11:21.569
<v Tim Paul>know  what  pots  you've  got  where,  or  if  you  don't 

0:11:21.570 --> 0:11:23.460
<v Tim Paul>know  how  much  you're  contributing,  if  you  don't  know  how 

0:11:23.460 --> 0:11:26.640
<v Tim Paul>much  your  employer's  contributing,  find  that  out.  Find  out  what 

0:11:26.640 --> 0:11:29.490
<v Tim Paul>the  pension's  being  invested  into  and  make  sure  that  you've 

0:11:29.490 --> 0:11:32.580
<v Tim Paul>got  that  sorted  because  that  is  the  quickest  win  in 

0:11:32.580 --> 0:11:35.100
<v Tim Paul>order  to  make  sure  that  you're  not  overpaying  on  your  taxes.

0:11:35.400 --> 0:11:37.620
<v Iona Bain >Well,  we're  all  singing  from  the  same  hymn  sheet  there. 

0:11:37.620 --> 0:11:41.069
<v Iona Bain >Here,  here.  That's  all  fantastic  advice  Tim.  Thank  you  very  much.

0:11:41.070 --> 0:11:41.429
<v Tim Paul>Thank  you.

0:11:43.410 --> 0:11:46.110
<v Iona Bain >Well,  we  hope  you  now  feel  just  a  wee  bit 

0:11:46.110 --> 0:11:48.900
<v Iona Bain >more  enlightened  on  ways  to  help  your  finances.  If  this 

0:11:48.900 --> 0:11:51.329
<v Iona Bain >episode  has  sparked  a  conversation  you  want  to  have  with 

0:11:51.330 --> 0:11:53.400
<v Iona Bain >friends  or  family,  I  would  love  it  if  you  could 

0:11:53.400 --> 0:11:56.460
<v Iona Bain >share  the  podcast  and  help  others  get  a  little  bit 

0:11:56.460 --> 0:11:59.970
<v Iona Bain >richer  too.
 Next  time,  Laura  Ann  Moore  will  be  here 

0:11:59.970 --> 0:12:02.820
<v Iona Bain >to  show  us  how  we  can  gamify  our  finances  with 

0:12:02.820 --> 0:12:06.720
<v Iona Bain >lots  of  great  hacks  that  might  make  saving,  dare  I 

0:12:06.720 --> 0:12:09.839
<v Iona Bain >say  it?  fun.
 This  podcast  is  brought  to  you  by  L&amp;

0:12:09.990 --> 0:12:14.100
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0:12:14.429 --> 0:12:17.730
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0:12:17.730 --> 0:12:20.250
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0:12:20.250 --> 0:12:23.070
<v Iona Bain >please  do  get  in  touch  on  our  socials.  We  would 

0:12:23.070 --> 0:12:26.520
<v Iona Bain >absolutely  love  to  hear  from  you.  Until  next  time,  see 

0:12:26.520 --> 0:12:26.880
<v Iona Bain >you  soon.