Mum & Son On The Money Podcast is a fresh, down-to-earth series that brings warmth, humour and honesty to the world of finance. Hosted by mother-and-son duo Lorraine Stone and Travus Wynne from Happy Days Accounting, the show strips away the jargon to make money talk simple, relatable and even entertaining. Each episode shares real experiences, practical advice and candid conversations about running a business, managing finances, and navigating life’s ups and downs. It’s a podcast that proves accountants aren’t all spreadsheets and calculators – they’ve got stories, laughs and real-life lessons to share.
Mum & Son On The Money Podcast
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6 episodes
Updated Daily
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Podcast Overview
Mum & Son On The Money Podcast is a fresh, down-to-earth series that brings warmth, humour and honesty to the world of finance. Hosted by mother-and-son duo Lorraine Stone and Travus Wynne from Happy Days Accounting, the show strips away the jargon to make money talk simple, relatable and even entertaining. Each episode shares real experiences, practical advice and candid conversations about running a business, managing finances, and navigating life’s ups and downs. It’s a podcast that proves accountants aren’t all spreadsheets and calculators – they’ve got stories, laughs and real-life lessons to share.
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Publishing Since
11/2/2025
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Recent Episodes
April 20, 2026
Episode 6 | A clear, honest and practical guide to VAT for small businesses
Lorraine and Travus from Happy Days Accountants break down everything small business owners need to know about VAT in this practical and wide-ranging episode of Mum and Son on the Money. From understanding what VAT actually is and when you need to register, to the pros and cons of voluntary registration, this episode tackles one of the most confusing areas of running a business. They explore the £90,000 threshold, explain how reclaiming VAT works, and highlight why being VAT registered isn’t always the advantage it might seem. There’s a clear look at the difference between cash and accrual VAT schemes, how pricing and profitability are affected, and why B2B and B2C businesses experience VAT very differently. The conversation also covers common mistakes—like charging VAT when you’re not registered, using incorrect VAT codes in accounting software, and misunderstanding zero-rated vs “no VAT” transactions. They dive into more advanced areas too, including marginal VAT schemes, international VAT complications, and the risks of trying to split businesses to avoid registration. There’s plenty of real-world advice on staying compliant, preparing for VAT inspections, managing cash flow by setting aside VAT, and knowing when to seek professional help. Plus, a reminder that while mistakes can happen, good record-keeping and honesty go a long way with HMRC. A must-listen for anyone running—or thinking of starting—a small business. #VAT #SmallBusinessUK #AccountingTips #BusinessFinance #HMRC #EntrepreneurUK #TaxAdvice #Bookkeeping #StartupTips #MoneyMatters
March 26, 2026
Episode 5 | Running for a Reason: Harry’s Rainbow, Community Impact & Charities
In this special episode of Mom and Son on the Money, Lorraine and Travis from Happy Days Accountants are joined in the studio by guests from local Milton Keynes charity Harry’s Rainbow. Together, they reflect on the powerful experience of the MK Festival of Running, where over 170 runners came together to support bereaved children and families. The conversation explores the emotional impact of the event, from personal running challenges to the incredible community spirit that carried participants across the finish line. Dominique and Allison share the inspiring story behind Harry’s Rainbow, founded after the sudden loss of a young boy, and how the charity has since supported over 1,000 children and young people through grief. There’s also a practical side to the discussion, offering valuable insight into running a charity. The team break down different organisational structures such as charities, CIOs and CICs, highlighting the importance of financial processes, funding strategies and choosing the right people to grow a sustainable organisation. This episode blends heartfelt storytelling with real-world advice, giving listeners a deeper understanding of the challenges and rewards of charity work, while shining a light on the vital support available for families facing bereavement. Plus, hear about upcoming events including the Harry’s Rainbow Firewalk and how you can get involved in supporting this incredible cause. #Podcast #Charity #MiltonKeynes #HarrysRainbow #Fundraising #Community #Running #BereavementSupport #NonProfit #CIO #SmallCharities #Inspiration #BusinessAdvice
March 3, 2026
Episode 4: Making Tax Digital (MTD)
In this episode of Mum and Son on the Money, the Happy Days Accounting podcast, Lorraine and Travis sit down withIn this episode of Mum and Son on the Money, the Happy Days Accounting podcast, Lorraine and Travis sit down with Chris to talk about everything from personal motivation to major upcoming tax changes affecting sole traders across the UK. The conversation begins on a lighter note with Lorraine sharing her journey training for a 10K run at the Milton Keynes Festival of Running in support of Harry’s Rainbow. What started as a challenge outside her comfort zone has become a story about perseverance, health improvements, and the surprising benefits of regular exercise. Lorraine explains how running has helped improve her asthma and boosted her overall wellbeing, while Travis reveals how he persuaded her to sign up for the race in the first place. They also talk about the power of stepping outside your comfort zone, the importance of routine and accountability, and how setting goals can dramatically improve both physical and mental health. The discussion then moves into the world of business networking around Milton Keynes. Lorraine and Travis share their experiences attending events like Meet of MK and Collaborate MK, highlighting the importance of building relationships within the local business community. From breakfast networking events to raffle wins and community support, the episode gives a behind-the-scenes look at how small business owners connect, collaborate and grow their networks. But the main focus of the episode is an important topic that many UK sole traders need to understand: Making Tax Digital (MTD). Lorraine and Travis break down what Making Tax Digital means in simple terms, including: • Who the new rules will affect first • The turnover thresholds for compliance • Why quarterly digital reporting will soon become standard • How the system will change the way businesses manage their finances • The benefits of using accounting software like Xero • Why good bookkeeping habits are becoming essential They also explain the difference between turnover and profit, something many business owners misunderstand, and why turnover is the key figure HMRC uses when determining whether MTD applies. The conversation explores how digital bookkeeping systems can actually make life easier for business owners by improving financial visibility, helping with tax planning, and avoiding those stressful year-end surprises. Lorraine and Travis also discuss common mistakes they see from businesses that still rely on paper records and explain why transitioning to digital systems now will make the future much smoother. Throughout the episode, they emphasise that Making Tax Digital shouldn’t be seen as something to fear. Instead, it’s part of a wider move towards modern, streamlined financial management that gives business owners more control over their numbers. The episode wraps up with a look ahead to upcoming events, including International Women’s Day celebrations in Milton Keynes, industry networking events, and Lorraine’s upcoming race on Mother’s Day. If you're a sole trader, small business owner, or simply interested in understanding how tax and accounting changes affect everyday businesses, this episode offers practical advice, real experiences, and a clear explanation of what’s coming next. #MakingTaxDigital #SmallBusinessUK #SoleTrader #AccountingPodcast #BusinessFinance #TaxAdvice #EntrepreneurUK #MiltonKeynesBusiness #BookkeepingTips #HappyDaysAccountants
6 total episodes available
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Frequently asked questions
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- What is Mum & Son On The Money Podcast?
- How often does this podcast release new episodes?
This podcast updates daily.
- Where can I listen to this podcast?
This podcast is available on 4 platforms including Apple Podcasts, Spotify, and more. You can also use the RSS feed directly.
- Does this podcast accept guests?
Yes, this podcast regularly features guests.
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