The 3Bz Podcast

In this episode of The 3Bz Podcast, I’m pulling back the curtain on the most common red flags we see when new clients come to A B C S UK for bookkeeping or accountancy support...and how to avoid them.

From missing receipts and guesswork tax returns to spreadsheets named “FINALfinalVERSION3”, these red flags are more common than you think, but they’re also completely fixable.

Whether you’re doing everything yourself or know deep down it’s time to hand it over, this episode will help you spot the habits that are holding your business back (and what to do instead!)

This one’s honest, practical and probably a bit too relatable.

In this week’s episode of The 3Bz Podcast, I’m joined by legendary cartoonist Neil Kerber whose work has been featured in everything from Private Eye to The Times.

Think you're “not ready” for a bookkeeper or accountant because your business is still small? Think again. In this episode of The 3Bz Podcast, we’re challenging one of the biggest myths in business: that you need to be turning over six figures before you deserve proper financial support. Whether you’re a sole trader, freelancer or a growing small business, getting bookkeeping and accountancy help early can save you time, money and serious stress down the line.

If you’re tired of guessing your numbers, avoiding tax deadlines, or spending hours on admin that doesn’t bring in income; this episode's for you.

Making Tax Digital for Income Tax is coming, but what does it actually mean for self-employed business owners and landlords? In this episode, I’m breaking down what MTDIT is, who’s included, when it comes into play, and what you need to do to get ready. If you’re earning over £20,000 from self-employment or property, this is what you need to know.

Listen now. Give me your ear for 15 minutes and get ahead of the game.

Here’s the final part of the series; the last of the 34 things I’ve learned by 34. We’re ending on a mix of mindset shifts, honest lessons and the kind of stuff that comes from real experience, not theory.

If you’ve been listening to the first two parts, this one rounds it off with a strong finish. If you’re just jumping in now, you’ll still get loads from it but the full set gives the full picture.

Real talk, useful takeaways and a few things you might want to pin to your wall.

We’re back for Part 2, picking up where we left off with the next chunk of 34 things I’ve learned by 34; from the messy middle of business to the things no one warns you about when you go all in on your goals.

Some lessons are big, some are tiny but mighty and all of them come with a bit of honesty, a bit of humour and hopefully something you can take away for yourself.

If you’ve ever felt like you’re figuring it out as you go, you’re in the right place with this episode. Make sure to listen to Part 1 if you haven’t already, but if you’re jumping in here, you’ll still take loads away.

This week’s episode of The 3Bz Podcast sees host Stephanie Marshall breaking down the latest National Insurance changes and what they actually mean for UK small business owners who run a payroll.

With multiple updates announced across Class 1 National Insurance, it’s no wonder so many business owners are left confused. Stephanie cuts through the jargon and gives you the facts in plain English like always: no fluff, no scaremongering, just what you need to know to stay informed and make smart financial decisions.

If you’re wondering how much more it's going to cost, whether you still need to pay Class 1, or how these changes impact your bottom line then this is the episode for you.

Tune in for a quick, clear and practical update that could make a real difference to how you plan your year.

This week’s episode of The 3Bz Podcast sees host Stephanie Marshall joined by Nicole Louise Geddes, founder of Manic Stage Productions and Performerpreneur, for a bold, honest conversation about what it really means to be unemployable and why that might just be your biggest strength.

From walking away from traditional jobs to creating careers that celebrate creativity, control and freedom, Stephanie and Nicole talk about what happens when you stop trying to fit into systems that were never built for you.

Think mindset behind building something of your own, embracing being a multi-passionate creative and redefining what success looks like when you’re the one writing the rules.

If you’ve ever thought “I don’t think I could ever work for someone else again”, entrepreneur, this episode’s for you.

This week’s episode of The 3Bz Podcast sees host Stephanie Marshall breaking down the key points from the Spring Statement 2025 and what it means for UK small business owners. Stephanie highlights the announcements that actually matter to entrepreneurs; cutting through the political noise and jargon.

Whether you’re a sole trader, limited company director or self-employed creative, this episode will help you understand what’s changing, what’s staying the same, and what you need to do next.

Tune in to get clear and simple insights on the Spring Statement and how it might affect you and your business.

This week’s episode of The 3Bz Podcast marks the final episode of Series 2 and host Stephanie Marshall is getting honest about what it really means to build a business that works for you.

From the pressure to follow the “right” strategies to the guilt of not doing it all, Stephanie reminds listeners that their business doesn’t have to look like anyone else’s. This is your permission slip to keep it simple, go at your own pace and define success on your terms; without the overwhelm or comparison.

If you’re tired of feeling like you need to tick every box, this one’s for you.

This week’s episode of The 3Bz Podcast sees host Stephanie Marshall tackling one of the biggest barriers to business growth...yourself!

If you’ve ever thought, "No one can do it as well as I can!" or "I just don’t have time to grow!", this episode is for you.

Stephanie breaks down the common mindset blocks that hold business owners back, from perfectionism to the fear of delegating. She shares practical strategies to let go of control, trust your team and focus on the right things so your business can scale without you being the bottleneck.

Listen to this episode to discover how to shift your mindset, delegate effectively and finally get out of your own way.

Have you ever felt frustrated that your employees don’t put in the same effort you do? Or that your customers don’t fully appreciate all the hard work behind your products or services? Does your family not quite understand what it’s like to run a business? You are not alone.

This week’s episode of The 3Bz Podcast sees host Stephanie Marshall tackling the reality that no one will ever care about your business as much as you do and why that’s completely fine.

If you’ve ever felt like you’re carrying your business on your back alone, this episode is a must-listen.

This week’s episode of The 3Bz Podcast sees host Stephanie Marshall tackling the myth of work life balance as a business owner. We’re constantly told we need to “balance” everything, but is that even possible when you’re running a business? Stephanie shares the reality of what work-life balance actually looks like, why it’s not a perfect 50/50 split and how you can create a version that works for you (without the guilt!)

If you’ve ever felt like you’re failing at the whole balance thing, this episode is for you. Tune in to hear why some weeks will always be unbalanced, why chasing the “perfect” work life split is a waste of time and how to structure your business so that you can take time off without everything falling apart.

100 episodes already?! This week’s episode of The 3Bz Podcast is a special one as host Stephanie Marshall reflects on the journey so far. From the very first episode to now, she shares how the podcast has evolved, the lessons learned along the way and the things that have remained at the heart of The 3Bz Podcast and always will. Whether you’ve been here from the start or you’re just joining in, this milestone episode is packed with insights, gratitude and much more.

Are you tired of being forced to reveal every tool you use in your business? This week's episode of The 3Bz Podcast sees host Stephanie candidly discuss the irony of today's AI regulations. Do you remember Clippy the paperclip assistant from Microsoft Word back in the early 2000s? It helped you work smarter without any disclosure, yet now, if you're using AI to streamline your operations you're expected to label it every step of the way.

This episode is a little different as Stephanie lays out her frustration with these double standards, comparing it to how major companies like Cadbury's keep their trade secrets under wraps. If you're a small business owner ready to harness the power of AI while retaining the freedom to innovate on your own terms, tune in for practical tips, honest insights, and a refreshing take on why your business is yours to build as you wish.

Are you unknowingly sabotaging your business finances? From cash flow struggles to pricing pitfalls, many business owners make costly mistakes without even realizing it. In this episode of The 3Bz Podcast, host Stephanie breaks down the most common financial missteps and more importantly, how to avoid them!

The end of January is almost here and this week’s episode is the 4th and final part of the self-assessment series; payments. Payments on accounts catch out 90% of the business owners host Stephanie works with so this episode breaks down what a payment on account is and how you can reduce it.

In the last 2 episodes we've covered who needs to submit a self-assessment and what income needs to be declared. Following this theme, this week's episode covered what expenses can be claimed on your self-assessment including those that are often forgotten.

We know Tax Returns can be complex so this week's episode of The 3Bz Podcast sees host Stephanie detail the different types of income including those that are often forgotten.

Got a question?

This week's episode of The 3Bz Podcast sees host Stephanie discuss who needs to submit a self-assessment tax return as the January deadline quickly approaches.

The first episode of 2025 and Host Stephanie discusses the #365 Challenge posted by TV Presenter and Entrepreneur Jake Humphrey. It's a new way of reviewing the year and holding yourself accountable for the year ahead.

2024 has seen us have conversations with some incredible guests and this week's episode of The 3Bz Podcast showcases some marketing golden nuggets from 3 marketing masters; Ashley Leeds, Aaron Patrick & Callum Macrae.

As we approach the end of 2024, social media will be full of everyone's 2024 highlights. Business (and Life) is a rollercoaster and by sharing the good, the bad and the ugly, Host Stephanie hopes to help business owners use their 2024 failures to build better businesses into 2025 and beyond.

This week's episode sees Host Stephanie break down the Class 1 Employer's National Insurance changes that were announced in the UK's Autumn Budget 2024 and how you can minimize the impact of these changes.

90% of businesses fall down when it comes to communication and in this week's episode, Host Stephanie discussed the 3 key areas to review when looking to build a better business. Whether it's communication with your customers, suppliers or your network, this episode contains real-world examples and actionable tips you can easily implement to improve all 3.

Perfectionism might seem like a badge of honour, but in reality, it could be holding you back from success. In this week’s episode of The 3Bz Podcast, Host Stephanie gets vulnerable sharing real world examples of falling into the perfectionism trap and how it might be costing you valuable time, opportunities, and growth in your business.

Following host Stephanie's LUCA Award win last week, this week's episode sees Stephanie share how winning an award can boost your business as well as how to maximise an award win or finalist announcement.

This week's episode of The 3Bz Podcast sees host Stephanie joined by Jo O'Neil as they discuss tips to help disabled entrepreneurs to build their businesses as well as how business owners can become the best employers, supporting their disabled employees to thrive in their roles.

This week's episode sees the 15 minute LinkedIn guy meet the 15 minute girl! Tune in to this episode to reframe your opinions on LinkedIn; especially if you think LinkedIn is not for you!

Following yesterday's UK Autumn Budget, this week's episode of The 3Bz Podcast sees host Stephanie share the changes which she thinks will affect businesses most moving forward in less than 15 minutes.

In this week's episode, host Stephanie shares actionable strategies you can implement immediately to enhance your customer experience w and help you stand out in your industry! Whether you are a service-based business, product based or a hybrid mix of both, in just 15 minutes you'll not only have actionable strategies to implement into your business, you'll also have a better understanding of the customer experience as well as why it's important to look at yours.

This week's episode of The 3Bz Podcast sees host Stephanie discuss the often-ignored topic of employee development and training. If you want to build a better business (and I think you do!) training your employees could be the key to boosting productivity, morale and profit!

You can email Stephanie at hello@the3bz.com

This week's episode of The 3Bz Podcast see Host Stephanie discuss all thing CPD including what is CPD? why all business owners should be doing their CPD and how it can put you ahead of your competition (or leave you behind).

With less than 100 days to go, this week's episode of The 3Bz Podcast sees host Stephanie discuss the fast-approaching Christmas and holiday season, sharing her insight and experience, why it is important to make plans now as well as sharing how this applies to both product based and service based businesses.

Host Stephanie is joined again by marketing expert Callum Macrae for this week's episode of The 3Bz Podcast where they continue their discussion on all things Gen Z, business and marketing.

Host Stephanie is joined by marketing expert Callum Macrae for this week's episode of The 3Bz Podcast where they discuss all things Gen Z and business. The first of 2 parts, this is not to be missed!

Join Host Stephanie and special guest Aaron Patrick as they continue to discuss their podcasting journeys and how it has helped their businesses (and could benefit yours too).

Make sure you subscribe to hear the last of our conversation next week.

Join Host Stephanie with special guest Aaron Patrick as they discuss their podcasting journeys and how it has helped their businesses.

Make sure you subscribe to hear more of our conversation next week.

This week's episode sees Host Stephanie discuss some essential leadership skills business owners need to hold to set themselves up for success as their business grows. Don't have them yet? It's time to hone those skills and Stephanie explains why.

This week's episode sees host Stephanie discuss her top tips for building and maintaining a positive company culture.

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