We want to say thank you to everyone who has supported our podcast over the last two years. A huge shout out to all the guests we’ve had and the change makers who are taking us to new heights. Check out The New Blxck https://www.thenewblxck.com/home

Today we are joined by Zainab Kwaw-Swanzy, a millennial finance specialist at Barclays. Zainab is responsible for creating innovative features for the Barclays app and is a prominent voice for the millennial finance sector within the business. She’s also co-Chair of the Barclays Black Professionals Forum (BPF) and winner of the Black British Business Awards Financial Services Rising Star 2020 Award. We discuss the culture of corporations changing, FOMO, splitting bills, work/life balance and...

On today’s episode we talk about the Budget and what was announced. From increased funding in housing to more money being given to support families, it’s clear Rishi’s generosity is shining through for this budget. We also discuss who we would vote for if it were Rishi vs Boris. Make sure you tune in for all the details and hit us up on our socials. Rishi Sunak OBR has revised up uk economic growth OBR expects GDP to expand by 6.5% this year compared to 4% forecasted in March This is below...

This week we discussed a variety of scams, schemes and robberies regarding finance. From ponzi schemes, fishing, rogue traders and money heisters! 

On this episode we were joined by Ken & Mary, the creators of The Humble Penny. A business started in 2017 that has skyrocketed to over 50,000 subscribers and counting. Disu and Bola ask about how they keep consistent in making quality content. Ken gets into his role as CFO prior to becoming a full time entrepreneur. Last but not least Ken and Mary discuss how they paid off their mortgage in 7 years. Make sure you tune in to the full episode, it’s not one to be missed! You can find Ken...

Bola gets into why she’s got a subscription at £20 per month at Pret and why it’s worth it. We get into the current food shortages and what it means for the Christmas period. With M&S already having 7000 orders for turkeys, we question whether shopping early is the way to get ahead of the curb. We also talk about Telegraph’s article around degree choices based on gender and what that means in terms of financial returns.

Why are people queuing for petrol? With less HGV drivers available, Disu gets into how messy the current supply chain is. With Christmas coming up around the corner, there’s been an offer of temporary visas to 5000 foreign fuel tanker and food lorry drivers. Disu and Bola get into how some immigrants have been treated in the UK and why some of them prefer to work abroad. We also read out Nana’s question on the glorification of uni and white collar roles. We move on to the current issues...

We start the podcast by talking about why Nego is currently on a water fast, what’s making Bola look into life insurance and how Disu is coping with his return to work after coming back from holiday. We get into one of the most common mistakes in bookkeeping which is the misallocation of the cost of goods sold. Alexey gets into how the ecommerce market differs in Singapore, Hong Kong and the UK where Osome operates. Nego asks what bookkeeping tips are needed for business growth and Alexey...

We start by celebrating Nego having broadband after using hotspot for the last week. We move on to the main topic of the podcast about selling your business which led us to ask, what makes someone sell their business? Apart from money being the leading factor, we discussed having more time, energy and hopefully less stress. Taimur takes us through the importance of having your books in order before selling as well as the importance of getting a good team in place prior to making the sale. We...

We start this weeks podcast by discussing recent government news of national insurance and dividends going up. We also get into the effect Brexit has had on businesses that have customers outside of the UK. Taimur talks us through all the of the new regulations and how it put some e-commerce businesses off trading for the last 7 months. Tune in to get informed! This episode is sponsored by Osome. If you’re looking for an e-commerce accountant, check them out:...

In today’s episode, we discuss some of the best ways e-commerce businesses can scale up their revenue. We dive into pop up shops and how they can be effective in gaining new customers for your business. Another tactic that can work well is email marketing although we are aware that some businesses make it impossible for you to unsubscribe. Moreover, when business is booming, it’s important to know when to grow your team effectively. We ask Taimur about supply chains, how a business can build...

This weeks episode the gang discuss ageing with money!

Title: Online Selling In 2021 The Last 3 Digits discuss how online selling became part of our everyday lives. We look back at the first thing we ever ordered on the internet and reminisce on a time where we used to pay for ringtones. With ecommerce rising in recent years, we look at the growth of online selling in 2020 as a result of the pandemic and predict where we see it going. Taimur talks to us about the difference between social selling and selling via social media as well as...

This week we start the podcast by answering some questions from a TL3D listener about credit cards. We delve into APR and why the lower percentage is better. Plus, we talk about how to choose the right card for you depending on your current needs. Would you uproot the life you have with your family for the right amount of money? We discuss how often sports players have to be on the move for the sake of their career. As Messi leaves Barcelona, we look into the financial laws in football.

Nego, Bola & Disu discuss the cost of socialising now we’ve been outside for over a month. We talk about our spending now vs pre pandemic and what we’re doing to make sure our finances don’t take anymore serious hits as a result. We get into the costs of running a charity and whether they should have cash reserves in case anything happens. TL3D also talk about how Go Fund Me makes the majority of their money and the most bizarre things we’ve seen individuals raise money for. Nonetheless,...

We’re joined again today by Taimur from Osome who gave us insight on how an accountant can help us with our taxes. Nego lists the penalties businesses can get themselves into by avoiding tax deliberately which leads into further questioning about what counts as intentional tax avoidance. Taimur also touches on how accountants maintain compliance for their clients. We know all accountants don’t provide the same services so we discuss what else an accountant can do apart from filing our taxes....

We were joined by Taimur from Osome and we spoke about his journey to becoming an accountant and how Osome is helping entrepreneurs make their journey a little simpler. From understanding what a sole trader is to knowing when you should become a limited company, we get into the differences from a tax and legal perspective as well as the advantages of each option. Disu talks about the wildest accounting expense he has ever heard which came up to £35,000 which led to us talking to Taimur about...

With restrictions coming to an end soon, TL3D discuss how they feel about being out and about from a financial and health aspect. We also discuss how much it pays to be on Love Island on a weekly basis as well as the potential income that can be amassed after. Nego, Bola and Disu discuss how what deals would be worth it vs what wouldn’t be from an integrity standpoint. Disu gets into the stats of what a popular member of Love Island can make on a single post. We also touch on TikTok banning...

TL3D discuss the difference between giving financial advice and guidance. You usually have to pay a fee for financial advice which is usually given alongside the purchase of products such as shares, bonds, funds, some types of insurance, and pensions through an advisors firm. Guidance includes giving general information that doesn’t come with personal recommendations which can be great for those trying to narrow down their options before deciding the way to use your money. Nego, Bola and...

Given the events of last year, graduates are struggling to find jobs irrespective of their degrees and grades. Disu, Nego and Bola talk about their experience when they left university and the advice they’d give to their younger selves. We go on to discuss whether arduous applications and long winded interview processes are worth the hassle. Is working for a top company as good as it seems? Disu gets into what it means to work for a top firm and why it’s worth it. Tune in and get involved in...

TL3D get into how property raffles work and the terms and conditions involved. We get into the costs just to advertise on social media alone as well as what happens if enough people don’t enter. Is house flipping still worth it in this economy? We discuss what return on investment is worth flipping a property within 12 months. Conversations of the football and our top 5 artists also come into play. Who’s your top 5? Would you buy tickets for a property raffle? Let us know on our socials.

On this weeks episode, The Last 3 Digits begin discussing how many billionaires there are in the world as well as how many came from Africa. With most billionaires wealth being held in the companies they own, we talk about delayed gratification and the type of salary we would pay ourselves if we owned a company that had a valuation that was over £100 billion. Nego, Bola and Disu talk about the causes they’d be willing to be a part of from a philanthropic/charitable standpoint which led to the...

This week we explore the costs of being a man vs being a woman. Disu and Nego discuss how the costs of haircuts have risen since the early 2000s. They also talk about the costs of their hobbies, keeping up with fitness and what they’re happy to cover financially for their partner without expectations playing a part. Bola goes into the costs of hair care for women highlighting how extortionate prices can be for black women’s hair products. We also cover the gender pay gap, how feminine branded...

The first bank holiday weekend hit when the sun was shining and outside was open. This resulted in individual’s expenditure hitting an all time high after months of staying indoors physically and financially. We asked our audience how much they spent on the weekend and we heard ranges from £50-£4K. People questioned if costs had gone up and inflation figures confirmed this. In March inflation was 0.7% and by April, it rose to 1.5%. We discuss what this means for the cost of our goods and...