For Finances Sake (FFS)

We’re diving into the headlines around Angela Rayner’s resignation as Deputy PM and Housing Secretary, following revelations about underpaid stamp duty on her Hove flat. It’s a story with politics, ethics, and a few painful tax lessons – and we’re unpacking it all. We’ll also debate the big question: should a mistake like this cost a political career, or is it simply proof that even ministers shou...

In today’s episode, Rachael’s tackling something every UK business owner needs to hear. This isn’t background noise or another piece of red tape to shove to the bottom of your to-do list. This is law. This is action. And it’s coming fast. From November 18th, Companies House is rolling out brand-new identity verification rules that will affect directors and anyone with significant control of a comp...

Tax investigations aren’t just the stuff of financial nightmares – they’re becoming a reality for more and more business owners. This week, Rachael is joined by fellow accountant (and calm voice of reason) Shaun Caddick to pull back the curtain on what really happens when HMRC comes knocking. From first VAT returns that trigger red flags, to frozen cash flow, delayed refunds, and the crucial role...

Rachael and Joanna dive into a topic that sparks fear in many business owners: Tax Investigations But don’t panic, this isn’t about shady dealings or stashing receipts in your freezer. Instead, we’re breaking down why HMRC might come knocking, the most common triggers we’ve seen in nearly 20 years of practice, and most importantly, how you can prevent it from happening to you. From VAT reclaims to...

In today’s episode, "Tax Traps & Tangled Tales: What You Don’t Know Will Cost You", we’re diving into some of the most common – and costly – tax mistakes small business owners make. From surprise VAT bills to undeclared income and spending tax money that isn’t really yours, we’re breaking it all down. And joining Rachael is our resident “non-tax expert,” Beth Davis – aka the perfect civilian c...

When HR goes wrong, the financial consequences can be brutal. In this episode Rachael is joined by Fiona Godfrey, CEO of Inicio HR, to shine a spotlight on the hidden risks buried in your everyday people processes — and why even small oversights in HR can lead to major headaches for finance. From botched payroll handovers to IR35 misclassifications and overlooked right-to-work checks, they unpack...

Statutory pay. Yes, that glorious alphabet soup: SSP, SMP, SPP, SHPP, SAP. Confused already? You're not alone. Whether you're an employer trying to stay on the right side of HMRC, or an employee wondering what you're actually entitled to, this episode is for you. Rachael is joined by fellow director and payroll expert Christopher Harrison, and together they are cutting through the red tape to help...

In this episode, we're diving into something that sounds dry as toast... but is actually the secret sauce to scaling your business properly: budgeting for new hires. Yep, we’re talking salaries, hidden costs, and the stuff most business owners forget until it’s biting them in the balance sheet. Joining me in the spreadsheet trenches is Julia – our resident number whisperer who’s seen more hiring b...

We’re back with Part 2 of our property series! Rachael is once again joined by our in-house tax expert, Monty, to unpack how to structure your property investment the smart way and steer clear of expensive mistakes. If you’re considering buying an investment property, this episode is essential listening. We explore the tax pros and cons of owning property in your personal name, jointly, or through...

This week, we’re diving into Furnished Holiday Lets – once the ultimate tax-savvy investment for landlords, now caught in a perfect storm of rule changes, council crackdowns, and a not-so-little platform called Airbnb. Are FHLs still a smart move in 2025? Or are they turning into a money pit with a smile? We’ll unpack everything from tax rule shakeups and the death of Business Property Relief, to...

This episode lands during Men’s Mental Health Awareness Month, a time to spotlight the conversations we too often avoid, especially in industries where toughness is worn like a badge of honour. Today, we’re tackling a subject that affects more people than we realise, but rarely gets the airtime it deserves: mental health in the workplace, particularly for men. We’re incredibly grateful to be joine...

In this Property Series, Rachael is joined by one of our Senior Accountants at Chadwicks, James (Monty) Montague and we’re asking the big question: So you think you're a property investor? Or… is your buy-to-let dream actually a cash-draining nightmare? We break down the real costs of property investment, challenge some dangerous myths, and explain why your tenants aren’t actually paying your mort...

Today, we’re diving into the career of Colin Parselle, a finance leader who made it to FD in his early 30s, steered companies through crises like Travel liquidation during COVID, and isn’t afraid to talk about failures, imposter syndrome, and what it really takes to succeed. Colin shares lessons that every finance professional and business owner needs to hear, from making bold career leaps and lea...

This week Rachael demystifies VAT, what it is, why and when a business needs to register and how to not fall victim to the VAT Trap! 

In this episode of FFS, we sit down with Andy Comyn, former professional footballer turned CFO, to explore the unexpected path that led him from the pitch to the boardroom. Andy shares how a physics degree, a bookkeeping course, and a love for numbers laid the foundation for a successful finance career that spans Big Four firms, industry, and education. 

What happens when a top finance leader breaks rank and tells it like it is?  In our first episode, Fiona Roberts joins Rachael Chadwick Harrison to talk toxic workplaces, system meltdowns, mum guilt and why Lurpak is the ultimate guilty pleasure! From boardroom chaos to breaking bias, it's smart, bold conversation with zero filter. If you’ve ever felt like an imposter or wondered how the hell anyo...

Welcome back to another episode of For Finances Sake! In this episode, Rachael dives into a topic that might not sound exciting at first—but trust us, it’s crucial for keeping your business running smoothly: credit control. Whether you’re a small business owner, freelancer, or just trying to get a better grip on your finances, understanding how to manage customer payments, avoid late payers, and m...

Welcome to For Finances Sake, the podcast where we navigate the complexities of the tax world while keeping things calm, clear, and approachable. In this episode Rachael, your host, has a special guest joining the show. Annie is an Executive Coach with years of experience helping leaders and professionals unlock their potential, sharpen their skills, and achieve true balance in their careers and p...

This week we have a special guest on For Finances Sake. Glenn Cameron. Glenn loves connecting folks in business for advice connections. He has a background of building and selling multiple businesses from startup to £20m+ turnover and empowering success for others by leveraging the tools available and our networks. He's a big believer that everyone can find their tribe for networking.  

In this episode, we’re exploring a key factor in business growth and sustainability—funding options. Securing the right funding can make all the difference in scaling your business, managing cash flow, and seizing new opportunities. But with so many options available, how do you choose the best one for your needs? Let’s break it down, with Rachael Chadwick Harrison- your host!

For Finances Sake (FFS) : Maximising Your Revenue  In this episode, we’re diving into proven strategies to maximise your revenue, with expert insights from Rachael at Chadwick Accountants. We’ll explore: ✅ Getting your pricing right – mastering cost pricing to ensure sustainable growth. ✅ Knowing your margins – because understanding your numbers is the key to profitability. And remember: Turnove...

In today’s episode, Rachael Chadwick Harrison from Chadwick Accountants, dives into a topic that can make or break your business — cash flow. She explores why managing your cash flow is so critical, common pitfalls to avoid, and practical strategies to help keep your business finances healthy and stress-free.  

Welcome to For Finances Sake (FFS) with Rachael Chadwick Harrison. In today’s episode, we’re tackling an essential topic for any business or organisation—staff management. Whether you're a seasoned leader, a new manager, or someone looking to sharpen your team-building skills, this episode is packed with insights on how to motivate, support, and lead your team effectively. We’ll explore key aspect...

The podcast that believes taxes don’t have to be something you dread. With the right preparation and knowledge, it can be a smooth and stress-free part of running your business. In Today's episode, Rachael is talking KPI’s! KPIs, or Key Performance Indicators, are measurable values that demonstrate how effectively a business or individual is achieving a key objective. In the context of staff manag...

Tax deadlines can be a major source of stress and confusion for both businesses and individuals, especially when juggling multiple obligations. In this episode, Rachael breaks down some of the most common and crucial questions people have about tax deadlines. Whether you're unsure about when your filings are due, or what to do if you miss a deadline, we’ve got you covered. Stay tuned as we navigat...