CFO Voicenotes from Harriet Formby

Today I'm chatting all things Making Tax Digital! What Making Tax Digital actually is Does this affect me, and when? Including what changes from April 2026 and who it actually applies to What counts towards the threshold (and what doesn't) "Should I just set up a Ltd company to avoid it?" (Spoiler: probably not just for that reason) What to do now, if you're in MTD from April 2026 (and what t...

Why does the 31 January tax deadline feel so viscerally wrong? I'm naming the feelings, unpicking the nervous system stuff, and explaining why paying taxes in deep winter goes against everything our bodies and ancestors knew about survival. We get into some practicalities too like: - why you might be feeling unexpectedly uneasy even though it’s all totally fine on paper. - what to do if the tax bi...

This week, I’m exploring some major news for small UK companies - but also pulling back the curtain a bit on what a company really is. Because underneath the filings and frameworks, a limited company is kind of… imaginary. A structure we all agree to treat as real. And when you start to see it that way, Companies House becomes more than compliance - it becomes an archive of stories. Some centuries...

If you’re just tuning in for the first time hi! I’ve ditched all polish and podcast formalities…. to bring you a genuinely authentic voice note  Today I’m talking about how to fund the world we actually want to live in right now - even when the world’s on fire and finances might feel wobbly! This is about enabling your money to match your values - through small but mighty shifts in how you sp...

Back after a break, with a reminder that we don’t need to follow the rules - not in podcasting, and definitely not in business planning. In this episode: When a rough week spirals into guilt and questioning what “being professional” even means The pressure of quarterly targets and seasonal productivity - and what to do if it doesn’t work for you Why even gentle financial advice can become another...

Could your pet be your best business mentor? For those of us with pets, they’re not just cute distractions while we work—they’re witnesses to our business journey. From snoozing beside us during client work to crashing our Zoom meetings, they see it all. But what if they actually have something profound and practical to teach us about business, money, and confidence? In this episode, we explore: &...

Are you tired of financial routines that just don’t work for you? In this episode, we’ll explore how to create a routine that feels supportive and doable, without the overwhelm. Personalise your routine to fit your lifestyle and energy levels, making it easier to stay on top of your finances. Tips for neurodivergent business owners , offering ways to make routines more manageable and stress-free....

Did you know debt has a surprising historical significance as a connector between people and communities , going far beyond finances? In this episode we: Redefine debt in business as not something to fear but as a tool that, when approached with care and strategy, can be an empowering resource rooted in community and connection.   Examine the key difference between debt and bringing on i...

Discover how to tell if the money in your business account is really yours (hint: it’s probably not all spendable). In This Episode: Learn the importance of setting aside money for taxes and how much to save. Find out why you should be paying yourself a regular salary —and not just dipping into your business funds. Get practical tips on organising your finances with separate “pots” or accounts for...

Ever felt like you’re just terrible with numbers ? You’re not alone—but what if that’s not actually true? In This Episode: I’ll be sharing a surprising secret about my own journey with finances that might just change how you feel about managing money. We’ll explore why finances feel so emotional and how you can start reshaping your relationship with money in a simple but powerful way. Plus, I’ll i...

Introducing Voice Notes from Your CFO Bestie and explain the purpose behind the podcast.   In This Episode: We explore about the emotional side of finances and how sometimes all you need is a pep talk to feel more confident and in control. I share why short, bite-sized episodes are perfect for busy business owners and entrepreneurs who need practical, relatable financial insights on the go. W...

Welcome to Voice Notes from Your CFO Bestie! The podcast where we make managing the financial side of your business lighter, more fulfilling, and dare we say—enjoyable! Hosted by Harriet Formby , a Fractional CFO and business mentor, behind Below The Line Finance Chartered Accountants & Business Advisors and G et Number Savvy Finance Training this podcast offers bite-sized insights to hel...