Below The Line Finance: Chartered Accountants & Business Advisors

Below The Line Finance: Chartered Accountants & Business Advisors Fractional CFO, Accountancy & Coaching | To build your best life with profits, purpose & good vibes ✨

She works hard for the money 🎶 but why does it have to be so hard?Money is one of those things we don’t just learn about...
08/03/2025

She works hard for the money 🎶 but why does it have to be so hard?

Money is one of those things we don’t just learn about in school - it’s something we absorb, often without even realising it.

Pop culture plays a huge role in shaping how we think and feel about money.

The songs we grew up hearing on car rides, in movies, at parties, and in the background of everyday life all reinforce certain ideas.

If we want a good life, we have to be workin’ 9 to 5, just trying to make a living.

Money, money, money must be funny in a rich man’s world.

That cash rules everything around us, so we better hustle.

We sing along probably without thinking too much about the message, but over time, these ideas sink in.

Struggling? That’s normal. Just work harder.

Want more? Be careful - too much money is greedy.

Making good money easily? That must mean you cheated the system.

Between the hustle-until-you-drop anthems and the rags-to-riches fantasies, we’re taught to believe:

If you work too little, you’re lazy.
If you work too much, you’re a corporate sellout.
If you make money too easily, it’s suspicious.
If you don’t care about money at all, you’re naive.

Too little, and you’re struggling. Too much, and you’re selfish.
No wonder so many of us feel uncomfortable talking about money.

And then there’s the gender bias.

When a song is about men and money, it’s often framed as power, success, and ambition. The message is that they earned it. They deserve it.

When a song is about women and money, the script flips.

If she wants wealth, she’s a gold digger.

If she enjoys spending it, she’s a material girl.

If she dares to own her success, she gets a special label ✨boss babe✨ as if women making money in business still needs its own category.

A man flexing his wealth is ambitious.
A woman doing the same? She better explain herself.

A man providing for his family is responsible.
A woman doing the same? Get’s critiqued.

A man rapping about splashing the cash? Aspirational.
A woman? High maintenance.

Why is financial success still seen as something men earn but women are given?

If pop culture tells us that too little money means you haven’t worked hard enough, and too much money means you’re greedy, what are we actually supposed to believe?

Do we start thinking struggle is a sign of worthiness?

Do we assume having enough must mean sacrificing something else - health, time, ethics?

Do we feel uncomfortable talking about money at all, because we don’t want to be seen as obsessed with it?

And since it’s International Women’s Day*, it’s a chance to highlight the gender biases in the hidden (and not-so-hidden) messages around money.

What’s a lyric that really makes you think about money? Maybe it’s one you never questioned before, or one that hits differently now.

*IWD is mostly performative, but I’ll take any excuse to talk about money and equality - calling out outdated norms and inviting in something better 💪

Could your pet be your best business mentor? 🐶For those of us with pets, they’re not just cute distractions while we wor...
08/02/2025

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:

🐾What our pets can teach us about business—and why they don’t hesitate, overthink, or undervalue themselves.

🐾 Lessons from my whippet, Alfonzo—how his boldness, confidence, and ability to just go for it are exactly what I needed in business.

🐾 A fun experiment: What would your pet say if you asked them for financial or business advice? (And yes, I’m serious—try it!)

🐾 Why business finance doesn’t have to be dry, jargon-heavy, or overwhelming—and what’s coming next on the podcast to make it more engaging, clear, and actually useful.

This podcast is especially for small business owners, founders and entrepreneurs looking to make peace with their finances and have a lot of fun, impact and creativity.

Delivered through money chats, pep talks and financial know how that’s practical, relatable and actually feels good 🙌

Just like receiving a voice note from your cfo bestie Harriet Formby behind and 🥰

You can listen to ‘Voice Notes With Your CFO Bestie’ by searching on Spotify, Apple Podcasts or by visiting the podcast home page.

Be sure to follow for the latest updates and to get involved!

You can also submit your very own question there by using the Google form and Harriet will ‘voice note you back’ on a future episode! 🗣️

Ever felt like you’re ‘broken’ because the finance method everyone else seems to be raving about doesn’t work for you?  ...
03/02/2025

Ever felt like you’re ‘broken’ because the finance method everyone else seems to be raving about doesn’t work for you? Then this episode is definitely worth a listen!

I’m excited to share that I was recently a guest on The Gross Profit Podcast with James Kennedy from we had a lively discussion about the book “Profits First” by Mike Michalowicz.

The popular business finance approach outlined through Profits First has sparked a movement among entrepreneurs—many of whom are encouraged to set up a series of bank accounts to allocate funds in a particular way with the goal of growing healthy profits.

But what if it doesn’t work?!

During our conversation, we explored how a Profits First approach can benefit your business, and - crucially - why it might not always be the ideal fit.

Here I recommended some alternative approaches if Profit First doesn’t quite align for your type of business or set up.

We explored the ups, downs, and all the possibilities in between—so whether you’re a fan of the Profits First method or looking for something new to try, there’s plenty of food for thought.

Check out the episode and I’d love to know what you think!

You’ve probably been told that ‘being good with money’ is about having:👍Discipline👍 Logical & Analytical skills👍 Financi...
02/02/2025

You’ve probably been told that ‘being good with money’ is about having:

👍Discipline
👍 Logical & Analytical skills
👍 Financial Literacy
👍 Goals, Budgets & Financial Plans
👍 Willpower
👍 Risk Management

But there is much more below the surface 🌊

Were you told about these foundational and often crucial elements to becoming ‘good with money’?

Tools that empower us to create sustainable, life changing outcome for ourselves and society like… :

🥰 Regulating our nervous systems

🥰 Healing financial trauma

🥰 Overcoming scarcity mindset

🥰 Engaging in somatic & holistic practices

🥰 Understanding & influencing dopamine

🥰 Redefining Capitalism & consumerism

🥰 Reimagining money as neutral energy

🥰 Prioritising space & pausing

🥰 Dreaming, imagining & clarifying desired outcomes & impact

When it comes to managing money, we’re not ‘just’ business owners - were if we just follow the method, and copy the formula we will get the outcomes ❌

Because firstly we are unique humans, shaped and influenced by our own personal story, experiences, background, ancestry, trauma, fears, hopes and dreams 💭

Of course this affects how we manage our money, sometimes consciously, sometimes subconsciously, sometimes as a product of a harsh and imperfect world 🌍

Enabling more wonderful individuals to build their dreams sustainability and bring more wealth into the hands of good people involves us compassionately giving space to our whole selves.

With the self-assessment deadline (January 31) behind us, it’s the perfect moment to refresh both your financials and yo...
01/02/2025

With the self-assessment deadline (January 31) behind us, it’s the perfect moment to refresh both your financials and your inner money mindset.

Imbolc is a traditional Celtic festival celebrated around February 1st. It marks the first stirrings of spring—a time of cleansing, renewal, and hope, honoring both the return of light and the promise of new beginnings.

Here’s how you can infuse Imbolc’s energy into your financial practices:

✨ Cleanse & Organize:

Declutter Your Records: Take some time to organize your digital and paper files. Reconcile your accounts and tidy up your finance admin.

Fire Ceremony for the Old: Got a few scrappy receipts lying around? Snap a quick photo to save them digitally, then safely burn just those physical copies as a symbolic gesture of letting go of the old.

✨ Review Regular Subscriptions:

Evaluate recurring expenses and cancel or adjust those that no longer serve your goals. This will free up resources for investments that truly nurture your growth.

✨ Set Fresh Intentions:

Reflect on your past financial experiences and challenge any old money beliefs that no longer align with your vision.

Write down clear, empowering financial goals for this season.

✨ Light the Path Forward – Get Practical:

Embrace Modern Tools: Use banking apps like Monzo or Starling to manage your money with ease. Create a dedicated “pot” for a new savings goal—be it an emergency fund, a special project, or an investment in your personal growth. Or giving to causes close to your heart.

Invest in Yourself: Whether it’s a course, a new tool, or a project that fuels your passion, let the energy of Imbolc guide you towards wise investments.

✨ Journaling Prompt for Reflection:

“What old financial habits or beliefs am I ready to let go of, and what new practices will I welcome to create lasting impact?”

Imbolc reminds us that every ending makes way for a vibrant new beginning. Embrace this moment to reset, refresh, and let your renewed perspective guide you toward a balanced and prosperous future.

If your self assessment tax return is still on your to do list and you are feeling the impending doom here are 3 surpris...
27/01/2025

If your self assessment tax return is still on your to do list and you are feeling the impending doom here are 3 surprising upsides that you may not be aware of ⬇️

1️⃣👍 If life is throwing you a lot of drama - the deadline can be moved

You’ll see a lot of chat about the imposing deadline of 31 January

Have HMRC been spamming you with emails, letters and texts or is it just me?!

Remember you are not obliged to do the filing early - yes life can be easier if its out the way and you know what to pay early on - but you don’t owe HMRC any more than filing/paying by 31 January.

And if life is a total sh*t show right now - HMRC are not total monsters - they do accept ‘reasonable excuses’ for late filing that you can explain to appeal against late filing fees.

Check specific HMRC guidance on this for more details.

2️⃣👍If you are feeling caught out by a chunky tax bill or those sneaky ‘payments of account’ there is a solution

This can seem like an impossible situation and a huge financial pressure but did you know it is possible to agree a payment plan with HMRC to get you back on track.

Search guidance on .gov.uk for how.

3️⃣👍 2024/25 is a fresh start! You get to choose how it feels next time

So what if you left it till the last minute this time?

You’re only human and it’s likely one of a million things on your plate. 😵‍💫

But the brilliant thing is you GET TO DECIDE how it goes down next time around 🙌

Whether that’s:
👉getting extra support
👉building finance routines and accountability that keep you on track through the year
👉auto allocating a % of earnings to a tax savings pot
👉reviewing your pricing and business structure so it’s all a lot smoother and more achievable next time.

Why not share this post with a business pal who’s feeling the pressure of tax return season you might just make their day a little more calm 🧘‍♀️

Address

Bath

Alerts

Be the first to know and let us send you an email when Below The Line Finance: Chartered Accountants & Business Advisors posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Share

Category