Voice Notes From Your CFO Bestie
Hosted by CFO Bestie · Harriet Formby
- 12
- Episodes
- 2024
- First episode
About Voice Notes From Your CFO Bestie
CFO Voicenotes is unfiltered, unscripted, unedited finance chat. Just like receiving a voice note from your pal. This came about because my clients love to receive my heartfelt pep talks, explainers, rants, and words of wisdom on all things finance - and why not expand it? Sometimes you need a pep talk. Sometimes you need someone to explain a money thing without making you feel stupid. Sometimes you need permission to do it differently, or a reminder that the way we've been told to run businesses is mostly bullsh*t patriarchal nonsense. Sometimes you just need to hear someone else ramble while you're on a walk or doing the dishes. That's what this is. often unhinged. Blunt. Trauma-informed. Real and hopefully a really helpful and accessible way to engage with finances and money. I'm Harriet Formby founder of Below The Line Finance® and a Fractional CFO, ICAEW Chartered Accountant and trauma-informed finance coach. I work with mission-driven founders who refuse to choose between profit and purpose. I'm also (probably) AuDHD, pro entrepreneurship but very much anti-capitalist, and running my business from an off-grid office in Somerset woodland surrounded by horses and chickens. There's no rules and no schedule - I simply press record when I have something to share. That could mean three times a week and then nothing for six months but I will always return! Note: This podcast is for educational and entertainment purposes only and is not financial advice.
- Publisher
- Harriet Formby
- Category
- business · business · society & culture
- Language
- en
- Explicit
- No
- First episode
- 8 Sept 2024
- Latest episode
- 1 Apr 2026
Latest episodes
12 episodes in the feed.
1 Apr 2026
11. Making Tax Digital (without loosing the plot)
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 to do if you're not) You can access the MTD presentation slides (https://cdn.prod.website-files.com/68810a63f2880012a8306180/69cd6a0acc38080aeb45a615_MTD%20workshop%20Slides%201%20April%202026.pdf) and check out my LTD vs ST comparison guidance and Google Sheet (https://www.belowthelinefinance.co.uk/resources/should-i-go-limited-run-the-numbers). And if you want to watch the full MTD workshop I delivered especially for Wild Coworking (https://www.wildcoworking.com/), you can get the recording in the Wild member's library by joining the community (https://www.wildcoworking.com/join)! Connect with Harriet Formby: Instagram (https://www.instagram.com/belowthelinefinance/) Linked In (https://www.linkedin.com/in/harrietformby/) Website (https://www.belowthelinefinance.co.uk/) The information shared in this episode is for general guidance only, as at the publication date. It is not tax advice. I recommend that you obtain appropriate, tailored professional advice to inform your own business or tax decisions.
1 Feb 2026
10. The ancestors don't want you to pay taxes now
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 bill feels unmanageable and why there is no shame in this. - how the enforced focus on tax time can amplify pressures and ‘shoulds’ and the wider context that bring us back into perspective - when demand avoidance kicks in and how I relate to this too!
5 Jul 2025
9. The Imaginary Company
Host explores the imaginary nature of limited companies, examining their history, the reversal of UK financial disclosure plans, and the taxes relevant to Ltd company owners.
28 Jun 2025
8. Resourcing Good Things
The host discusses aligning business finances with personal values through creative shifts in spending, pricing, and resourcing to fund a more desirable world.
18 Jun 2025
7. Let’s Ditch The Pressure
The host discusses releasing pressure from business planning and quarterly targets, encouraging listeners to trust their existing foundation and plan from truth.
8 Feb 2025
6. What Would Your Pet Say About Your Business?
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. 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 (https://www.belowthelinefinance.co.uk/about/), a Fractional CFO and business mentor, behind Below The Line Finance Chartered Accountants & Business Advisors (https://www.belowthelinefinance.co.uk) and Get Number Savvy Finance Training (https://www.getnumbersavvy.co.uk) this podcast offers bite-sized insights to help you feel in control of your business finances. Whether you’re grabbing a coffee, walking the dog, or on the go, hit subscribe and start your journey toward financial clarity and peace of mind. Connect: Dedicated Podcast Instagram: @cfo_voicenotes (https://www.instagram.com/cfo_voicenotes/) Follow Harriet on Instagram: @belowthelinefinance (https://www.instagram.com/belowthelinefinance/) Connect on: Linked In (https://www.linkedin.com/in/harrietformby/) Facebook (https://www.facebook.com/groups/848729706208428) Get involved with the podcast: Submit your very own question (https://docs.google.com/forms/d/e/1FAIpQLSf-0BE9c3WQyoRH-LHvAI3W5LuxJA-7IKz5VNGXyph5pYhpnQ/viewform) to be covered on the podcast - and receive a 'voice note from Harriet' Subscribe Now: Be sure to follow for more episodes, and leave a review if you enjoy the show! More ways to listen: Spotify (https://open.spotify.com/show/6h2uXAlOXr9tpWC2ZRxcbK) or Apple Podcasts (https://podcasts.apple.com/us/podcast/voice-notes-from-your-cfo-bestie/id1767255754) Visit: Podcast Homepage (https://www.getnumbersavvy.co.uk/podcasts/voice-notes-from-your-cfo-bestie) Visit www.belowthelinefinance.co.uk (https://www.belowthelinefinance.co.uk) for more tips and insights. Disclaimer: This podcast is for educational and entertainment purposes only and is not financial advice.
3 Oct 2024
Creating Financial Routines That Work for YOU
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. Simple tools and techniques for tracking finances—whether with software or a basic spreadsheet. The power of accountability and self-care to help make financial routines easier and more enjoyable. 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 (https://www.belowthelinefinance.co.uk/about/), a Fractional CFO and business mentor, behind Below The Line Finance Chartered Accountants & Business Advisors (https://www.belowthelinefinance.co.uk) and Get Number Savvy Finance Training (https://www.getnumbersavvy.co.uk) this podcast offers bite-sized insights to help you feel in control of your business finances. Whether you’re grabbing a coffee, walking the dog, or on the go, hit subscribe and start your journey toward financial clarity and peace of mind. Connect: Dedicated Podcast Instagram: @cfo_voicenotes (https://www.instagram.com/cfo_voicenotes/) Follow Harriet on Instagram: @belowthelinefinance (https://www.instagram.com/belowthelinefinance/) Connect on: Linked In (https://www.linkedin.com/in/harrietformby/) Facebook (https://www.facebook.com/groups/848729706208428) Get involved with the podcast: Submit your very own question (https://docs.google.com/forms/d/e/1FAIpQLSf-0BE9c3WQyoRH-LHvAI3W5LuxJA-7IKz5VNGXyph5pYhpnQ/viewform) to be covered on the podcast - and receive a 'voice note from Harriet' Subscribe Now: Be sure to follow for more episodes, and leave a review if you enjoy the show! More ways to listen: Spotify (https://open.spotify.com/show/6h2uXAlOXr9tpWC2ZRxcbK) or Apple Podcasts (https://podcasts.apple.com/us/podcast/voice-notes-from-your-cfo-bestie/id1767255754) Visit: Podcast Homepage (https://www.getnumbersavvy.co.uk/podcasts/voice-notes-from-your-cfo-bestie) Visit www.belowthelinefinance.co.uk (https://www.belowthelinefinance.co.uk) for more tips and insights. Disclaimer: This podcast is for educational and entertainment purposes only and is not financial advice.
13 Sept 2024
Healthy Debts: Why Debt in Business Can Be a Good Thing
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 investors—and how choosing debt can allow you to grow while keeping full control over your business and its vision. Explore three practical, supportive tips to manage debt with confidence, including crafting a repayment plan that feels safe and only borrowing what truly aligns with your needs. Release the fear of debt and shift towards viewing it as an opportunity for growth and support, helping you make empowered decisions for your business. 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 (https://www.belowthelinefinance.co.uk/about/), a Fractional CFO and business mentor, behind Below The Line Finance Chartered Accountants & Business Advisors (https://www.belowthelinefinance.co.uk) and Get Number Savvy Finance Training (https://www.getnumbersavvy.co.uk) this podcast offers bite-sized insights to help you feel in control of your business finances. Whether you’re grabbing a coffee, walking the dog, or on the go, hit subscribe and start your journey toward financial clarity and peace of mind. Connect: Dedicated Podcast Instagram: @cfo_voicenotes (https://www.instagram.com/cfo_voicenotes/) Follow Harriet on Instagram: @belowthelinefinance (https://www.instagram.com/belowthelinefinance/) Connect on: Linked In (https://www.linkedin.com/in/harrietformby/) Facebook (https://www.facebook.com/groups/848729706208428) Get involved with the podcast: Submit your very own question (https://docs.google.com/forms/d/e/1FAIpQLSf-0BE9c3WQyoRH-LHvAI3W5LuxJA-7IKz5VNGXyph5pYhpnQ/viewform) to be covered on the podcast - and receive a 'voice note from Harriet' Subscribe Now: Be sure to follow for more episodes, and leave a review if you enjoy the show! More ways to listen: Spotify (https://open.spotify.com/show/6h2uXAlOXr9tpWC2ZRxcbK) or Apple Podcasts (https://podcasts.apple.com/us/podcast/voice-notes-from-your-cfo-bestie/id1767255754) Visit: Podcast Homepage (https://www.getnumbersavvy.co.uk/podcasts/voice-notes-from-your-cfo-bestie) Visit www.belowthelinefinance.co.uk (https://www.belowthelinefinance.co.uk) for more tips and insights. Disclaimer: This podcast is for educational and entertainment purposes only and is not financial advice.
11 Sept 2024
How to Tell if the Money in Your Business Bank Account is Actually Yours
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 taxes, savings, and expenses. Access a free cash flow forecast template to help you track your expenses and stay in control of your money. Sign up to our email lis (https://www.getnumbersavvy.co.uk/email-list)t to receive the cashflow template in your inbox 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 (https://www.belowthelinefinance.co.uk/about/), a Fractional CFO and business mentor, behind Below The Line Finance Chartered Accountants & Business Advisors (https://www.belowthelinefinance.co.uk) and Get Number Savvy Finance Training (https://www.getnumbersavvy.co.uk) this podcast offers bite-sized insights to help you feel in control of your business finances. Whether you’re grabbing a coffee, walking the dog, or on the go, hit subscribe and start your journey toward financial clarity and peace of mind. Connect: Dedicated Podcast Instagram: @cfo_voicenotes (https://www.instagram.com/cfo_voicenotes/) Follow Harriet on Instagram: @belowthelinefinance (https://www.instagram.com/belowthelinefinance/) Connect on: Linked In (https://www.linkedin.com/in/harrietformby/) Facebook (https://www.facebook.com/groups/848729706208428) Get involved with the podcast: Submit your very own question (https://docs.google.com/forms/d/e/1FAIpQLSf-0BE9c3WQyoRH-LHvAI3W5LuxJA-7IKz5VNGXyph5pYhpnQ/viewform) to be covered on the podcast - and receive a 'voice note from Harriet' Subscribe Now: Be sure to follow for more episodes, and leave a review if you enjoy the show! More ways to listen: Spotify (https://open.spotify.com/show/6h2uXAlOXr9tpWC2ZRxcbK) or Apple Podcasts (https://podcasts.apple.com/us/podcast/voice-notes-from-your-cfo-bestie/id1767255754) Visit: Podcast Homepage (https://www.getnumbersavvy.co.uk/podcasts/voice-notes-from-your-cfo-bestie) Visit www.belowthelinefinance.co.uk (https://www.belowthelinefinance.co.uk) for more tips and insights. Disclaimer: This podcast is for educational and entertainment purposes only and is not financial advice.
10 Sept 2024
Why You’re Not Just Terrible with Numbers
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 introduce you to a unique exercise that could help you let go of financial stress and gain a clearer perspective. 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 (https://www.belowthelinefinance.co.uk/about/), a Fractional CFO and business mentor, behind Below The Line Finance Chartered Accountants & Business Advisors (https://www.belowthelinefinance.co.uk) and Get Number Savvy Finance Training (https://www.getnumbersavvy.co.uk) this podcast offers bite-sized insights to help you feel in control of your business finances. Whether you’re grabbing a coffee, walking the dog, or on the go, hit subscribe and start your journey toward financial clarity and peace of mind. Connect: Dedicated Podcast Instagram: @cfo_voicenotes (https://www.instagram.com/cfo_voicenotes/) Follow Harriet on Instagram: @belowthelinefinance (https://www.instagram.com/belowthelinefinance/) Connect on: Linked In (https://www.linkedin.com/in/harrietformby/) Facebook (https://www.facebook.com/groups/848729706208428) Get involved with the podcast: Submit your very own question (https://docs.google.com/forms/d/e/1FAIpQLSf-0BE9c3WQyoRH-LHvAI3W5LuxJA-7IKz5VNGXyph5pYhpnQ/viewform) to be covered on the podcast - and receive a 'voice note from Harriet' Subscribe Now: Be sure to follow for more episodes, and leave a review if you enjoy the show! More ways to listen: Spotify (https://open.spotify.com/show/6h2uXAlOXr9tpWC2ZRxcbK) or Apple Podcasts (https://podcasts.apple.com/us/podcast/voice-notes-from-your-cfo-bestie/id1767255754) Visit: Podcast Homepage (https://www.getnumbersavvy.co.uk/podcasts/voice-notes-from-your-cfo-bestie) Visit www.belowthelinefinance.co.uk (https://www.belowthelinefinance.co.uk) for more tips and insights. Disclaimer: This podcast is for educational and entertainment purposes only and is not financial advice.
9 Sept 2024
The Power Of A Pep Talk
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. 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 (https://www.belowthelinefinance.co.uk/about/), a Fractional CFO and business mentor, behind Below The Line Finance Chartered Accountants & Business Advisors (https://www.belowthelinefinance.co.uk) and Get Number Savvy Finance Training (https://www.getnumbersavvy.co.uk) this podcast offers bite-sized insights to help you feel in control of your business finances. Whether you’re grabbing a coffee, walking the dog, or on the go, hit subscribe and start your journey toward financial clarity and peace of mind. Connect: Dedicated Podcast Instagram: @cfo_voicenotes (https://www.instagram.com/cfo_voicenotes/) Follow Harriet on Instagram: @belowthelinefinance (https://www.instagram.com/belowthelinefinance/) Connect on: Linked In (https://www.linkedin.com/in/harrietformby/) Facebook (https://www.facebook.com/groups/848729706208428) Get involved with the podcast: Submit your very own question (https://docs.google.com/forms/d/e/1FAIpQLSf-0BE9c3WQyoRH-LHvAI3W5LuxJA-7IKz5VNGXyph5pYhpnQ/viewform) to be covered on the podcast - and receive a 'voice note from Harriet' Subscribe Now: Be sure to follow for more episodes, and leave a review if you enjoy the show! More ways to listen: Spotify (https://open.spotify.com/show/6h2uXAlOXr9tpWC2ZRxcbK) or Apple Podcasts (https://podcasts.apple.com/us/podcast/voice-notes-from-your-cfo-bestie/id1767255754) Visit: Podcast Homepage (https://www.getnumbersavvy.co.uk/podcasts/voice-notes-from-your-cfo-bestie) Visit www.belowthelinefinance.co.uk (https://www.belowthelinefinance.co.uk) for more tips and insights. Disclaimer: This podcast is for educational and entertainment purposes only and is not financial advice.
8 Sept 2024
Welcome to Voice Notes With Your CFO Bestie!
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 (https://www.belowthelinefinance.co.uk/about/), a Fractional CFO and business mentor, behind Below The Line Finance Chartered Accountants & Business Advisors (https://www.belowthelinefinance.co.uk) and Get Number Savvy Finance Training (https://www.getnumbersavvy.co.uk) this podcast offers bite-sized insights to help you feel in control of your business finances. Whether you’re grabbing a coffee, walking the dog, or on the go, hit subscribe and start your journey toward financial clarity and peace of mind. In This Trailer: Meet your host, Harriet Formby, your CFO bestie. Learn what this podcast is all about: making finance simpler, lighter, and actually enjoyable. Get ready for short, practical episodes that give you the confidence to manage your money and grow your business. Subscribe Now: Be sure to follow for more episodes, and leave a review if you enjoy the show! Get involved with the podcast: Submit your very own question (https://docs.google.com/forms/d/e/1FAIpQLSf-0BE9c3WQyoRH-LHvAI3W5LuxJA-7IKz5VNGXyph5pYhpnQ/viewform) to be covered on the podcast - and receive a 'voice note from Harriet' Connect: Dedicated Podcast Instagram: @cfo_voicenotes (https://www.instagram.com/cfo_voicenotes/) Follow Harriet on Instagram: @belowthelinefinance (https://www.instagram.com/belowthelinefinance/) Connect on: Linked In (https://www.linkedin.com/in/harrietformby/) Facebook (https://www.facebook.com/groups/848729706208428) Visit: Podcast Homepage (https://www.getnumbersavvy.co.uk/podcasts/voice-notes-from-your-cfo-bestie) Or listen on: Spotify (https://open.spotify.com/show/6h2uXAlOXr9tpWC2ZRxcbK) or Apple Podcasts (https://podcasts.apple.com/us/podcast/voice-notes-from-your-cfo-bestie/id1767255754) Go to www.belowthelinefinance.co.uk (https://www.belowthelinefinance.co.uk) for more tips and insights. Disclaimer: This podcast is for educational and entertainment purposes only and is not financial advice.
Podcast Authority Score: 12 / 100
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