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  • The VAT Cut That Misses the Point — Ep 73

    The VAT Cut That Misses the Point — Ep 73
    2026/06/08
    The government just announced a VAT cut for hospitality. Read the small print and it looks a lot less generous than the headline.In this episode, Matt and Charlie pull apart the Great British Summer Savings VAT cut: ten weeks at 5% on a narrow band of qualifying supplies, running from 25 June to 1 September. It sounds like a lifeline. The detail tells a different story.They get into why a ten-week window doesn't even cover a single VAT quarter, how the measure quietly picks winners inside the sector, and why the pubs and restaurants on their knees see almost nothing from it.Along the way: whether business owners ever really switch off on holiday, the treadmill feeling when growth doesn't show up in the numbers, and why doing well in Britain still feels like something you're meant to apologise for.Takeaways:📉 Why a ten-week VAT cut doesn't even cover one VAT quarter🍽️ How the small print leaves out most pubs and restaurants🎢 The way the measure quietly picks winners inside hospitality💷 What rising wage costs are really doing to the sector🔁 Why real support needs to run all year, not ten weeksFollow Matt:📸 Instagram - https://www.instagram.com/mrmattholland/👨‍💻 LinkedIn - https://www.linkedin.com/in/mrmattholland/📱 TikTok - https://www.tiktok.com/@mrmattholland❌ X - https://x.com/mrmattholland1Follow Charlie:📸 Instagram - https://www.instagram.com/theworkwearexpert👨‍💻 LinkedIn - https://www.linkedin.com/in/charlie-smith-1a55295b/
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    46 分
  • What We'd Tell Ourselves Five Years Ago — Ep 72

    What We'd Tell Ourselves Five Years Ago — Ep 72
    2026/06/01
    Five years ago we were coming out of a pandemic, growing too fast, and not stopping to think. Now we'd handle the same problems with half the stress — but we never sit down long enough to notice how far we've come.In Ep 72, Matt and Charlie look backwards properly. What they'd do differently, what they wish they'd done sooner, and the patience and perspective that only experience buys.They unpack a brutal stat — almost 40% of UK businesses incorporated between 2020 and 2024 have already closed, and just 40% of UK small businesses are still trading after five years — and ask why anyone takes the leap at all when the odds look like that.Along the way, they get into personal guarantees, the cost of risk-taking in the UK, hires made too late, kit bought too soon, and why kids and your mid-thirties seem to flip the switch from "I've got time" to "this has to happen now."Takeaways:⏳ Why founders never stop to look back — and what it costs them📉 What 40% five-year survival rates say about the UK climate🔥 Where the fire actually comes from (and why it shows up late)💰 Money mistakes you only see clearly with hindsight🪜 Why the problems don't shrink as you grow — they just change shapeFollow Matt:📸 Instagram - https://www.instagram.com/mrmattholland/👨‍💻 LinkedIn - https://www.linkedin.com/in/mrmattholland/📱 TikTok - https://www.tiktok.com/@mrmattholland❌ X - https://x.com/mrmattholland1Follow Charlie:📸 Instagram - https://www.instagram.com/theworkwearexpert👨‍💻 LinkedIn - https://www.linkedin.com/in/charlie-smith-1a55295b/
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    50 分
  • When the Internet Has an Opinion — Ep 71

    When the Internet Has an Opinion — Ep 71
    2026/05/25
    When a podcast clip goes semi-viral on Instagram, the comments tell you more about how the public sees business owners than any survey ever could.In Ep 71, Matt and Charlie unpack the fallout from a reel asking what businesses would do if minimum wage jumped overnight to £15 an hour — 20,000 views, 100+ comments, and a real-time look at the gap between operator reality and online opinion.They get into why so many people think SMEs are interchangeable with multinationals, the rising cost stack founders are absorbing quietly, and what the backlash says about respect (or lack of it) for the people taking the risk.Along the way, they talk about social media as a double-edged sword for SMEs — when your following gets bigger than your business, when "looking busy" online costs you support, and why most of us still aren't consistent enough with it.Takeaways:📱 What a semi-viral reel exposes about how the public sees business owners💷 Why an overnight 18% wage jump isn't the same conversation as fair pay🧾 The cost stack founders absorb that nobody outside business sees🪞 When your social presence over-eggs the reality of the business🎯 Why consistency on content beats clever every single timeFollow Matt:📸 Instagram - https://www.instagram.com/mrmattholland/👨‍💻 LinkedIn - https://www.linkedin.com/in/mrmattholland/📱 TikTok - https://www.tiktok.com/@mrmattholland❌ X - https://x.com/mrmattholland1Follow Charlie:📸 Instagram - https://www.instagram.com/theworkwearexpert👨‍💻 LinkedIn - https://www.linkedin.com/in/charlie-smith-1a55295b/
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    42 分
  • The £15 Minimum Wage Problem — Ep 70

    The £15 Minimum Wage Problem — Ep 70
    2026/05/18
    161 UK pubs shut their doors in Q1 2026 alone — one publican turning the lights out every 13 hours. And the pressure isn't easing.In this episode, Matt and Charlie unpack two damning stats from the British Beer and Pub Association and UK Hospitality, before tearing into the Green Party's proposal to push the national living wage from £12.71 to £15 an hour — an 18% jump in a single year.They debate what a hike like that would actually do to small businesses already buckling under April's 4.1% wage rise, employer NI at 15%, and a £1.4bn cost increase across hospitality alone. Spoiler: it's not the politicians who pick up the bill.Along the way, they get into youth unemployment, the death of the middle-market restaurant, why this only accelerates AI adoption and offshoring, and what it really takes to keep moving forward when the game keeps changing underneath you.Takeaways:📉 Why 161 pub closures in one quarter is a warning shot for every SME💷 What an 18% minimum wage jump would actually cost small business🤖 Why higher labour costs only speed up AI and offshoring decisions👷 The youth unemployment problem nobody in Westminster is solving🔪 Why Matt thinks the next 12 months are about taking market share, not playing safeFollow Matt:📸 Instagram - https://www.instagram.com/mrmattholland/👨‍💻 LinkedIn - https://www.linkedin.com/in/mrmattholland/📱 TikTok - https://www.tiktok.com/@mrmattholland❌ X - https://x.com/mrmattholland1Follow Charlie:📸 Instagram - https://www.instagram.com/theworkwearexpert👨‍💻 LinkedIn - https://www.linkedin.com/in/charlie-smith-1a55295b/
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    1 時間 6 分
  • Is AI Coming for UK SME Jobs? — Ep 69

    Is AI Coming for UK SME Jobs? — Ep 69
    2026/05/11
    UK job vacancies have just dropped to 711,000 — the lowest level since the pandemic, and now below pre-pandemic levels. At the same time, unemployment has climbed to 4.9%, with 206,000 more people out of work than a year ago. Something's shifting.Matt and Charlie unpack what's really going on. Meta, Amazon, Oracle, Citigroup, Accenture and Block have all confirmed major redundancies in recent weeks — and most of them are citing AI as the reason. The question is whether that trend is about to trickle down to UK SMEs.Matt shares a conversation he had with a Manchester recruiter who's just made 25% of his own team redundant — because his clients have stopped hiring. Charlie pushes back on the AI narrative and asks whether some of this is just big businesses using the moment to trim fat. They get into employment costs, the April 2026 NI hikes, offshoring, and why hiring at home has become a last resort for so many UK founders.If you run a UK business and you're trying to work out what hiring looks like over the next 12 months — or whether you should be hiring at all — this one is for you.Takeaways:📉 Why UK job vacancies have hit their lowest level since the pandemic🤖 The big-name companies citing AI as the reason for layoffs💼 What a Manchester recruiter is seeing inside his own client base💷 How rising employment costs are pushing UK founders to offshore🔍 What the next hiring cycle could look like for SMEsFollow Matt:📸 Instagram - https://www.instagram.com/mrmattholland/👨‍💻 LinkedIn - https://www.linkedin.com/in/mrmattholland/📱 TikTok - https://www.tiktok.com/@mrmattholland❌ X - https://x.com/mrmattholland1Follow Charlie:📸 Instagram - https://www.instagram.com/theworkwearexpert👨‍💻 LinkedIn - https://www.linkedin.com/in/charlie-smith-1a55295b/
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    58 分
  • Claude Check-In: What's Working, What's Not — Ep 68

    Claude Check-In: What's Working, What's Not — Ep 68
    2026/05/04
    Failing to prepare is preparing to fail — Matt learned that the hard way at the Manchester Marathon on Sunday.In this Claude Check-In, Matt and Charlie sit down with their favourite AI co-worker for an honest update on what's actually working and what isn't. Charlie's gone deep — using Claude to build a full direct-to-consumer safety footwear website, front end and back end, on a shoestring budget. Matt's been too busy to touch it for two weeks, and openly admits it.They get into the difference between LLMs, agentic AI, and automation — and why most founders are still treating AI like a chatbot when it can now run their browser, build their websites, and stress-test their plans. Plus the British Business Bank stat that poor planning is a top three reason UK small businesses fail in year one — and what that has in common with running a marathon you didn't train for.Takeaways:🏃 Why "failing to prepare" applies as much to business as it does to a marathon🤖 The difference between LLMs, agentic AI, and automation — and why it matters🛠️ How Charlie used Claude to build a full D2C website without big budget📋 Why a SWOT analysis is the best starting point for using AI in your business📓 Matt's two-diary system for separating day-to-day from big-picture ideasFollow Matt:📸 Instagram - https://www.instagram.com/mrmattholland/👨‍💻 LinkedIn - https://www.linkedin.com/in/mrmattholland/📱 TikTok - https://www.tiktok.com/@mrmattholland❌ X - https://x.com/mrmattholland1Follow Charlie:📸 Instagram - https://www.instagram.com/theworkwearexpert👨‍💻 LinkedIn - https://www.linkedin.com/in/charlie-smith-1a55295b/
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    58 分
  • Why Founders Should Never Stop Learning — Ep 67

    Why Founders Should Never Stop Learning — Ep 67
    2026/04/27
    You can't grow what you stop learning from — and the best founders never switch off.In this episode, Matt and Charlie unpack why peer-to-peer conversations, mentoring and time with other business owners is one of the most underrated growth tools out there. Matt's just back from two days in Essex — a one-to-one with James Sinclair, a guest spot on Paul and Lee's podcast, and hours on the phone with James from Nutriseed — and the takeaway is the same every time.They get into why 76% of small business owners say mentoring has been key to their growth, but most have never done any of it. Why bigger isn't always better when it comes to who you learn from. And why putting yourself in front of someone further ahead than you is uncomfortable for a reason.Plus — the official rebrand reveal. New name. New jingle. Same two of us.Takeaways:🎙️ Why we've rebranded to British Business: The Bottom Line🤝 The difference between networking and a real peer-to-peer conversation📈 Why 76% of SME owners credit mentoring with their growth🧠 Why you can learn just as much from smaller businesses as bigger ones⏳ How to push hard, then pull back — without burning outFollow Matt:📸 Instagram - https://www.instagram.com/mrmattholland/👨‍💻 LinkedIn - https://www.linkedin.com/in/mrmattholland/📱 TikTok - https://www.tiktok.com/@mrmattholland❌ X - https://x.com/mrmattholland1Follow Charlie:📸 Instagram - https://www.instagram.com/theworkwearexpert👨‍💻 LinkedIn - https://www.linkedin.com/in/charlie-smith-1a55295b/
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    49 分
  • Charge What You're Worth — Ep 66

    Charge What You're Worth — Ep 66
    2026/04/20
    Most small business owners know their prices should go up. They just can't bring themselves to do it.In Episode 66, Matt and Charlie get into the real psychology behind pricing — why founders undercharge, why the fear of losing customers is almost always bigger than the reality, and why putting your prices up is often the most commercially responsible thing you can do right now. Recorded with Charlie calling in from Spain, surrounded by palm trees and Brent crude updates.They also pull back the curtain on their own businesses — from shipping thresholds and delivery gap tracking to labour cost percentages and the compounding effect of letting small inefficiencies slide. Because pricing confidence and cost control aren't separate conversations. They're the same one.Takeaways:💸 Why undercharging can actually cost you the job📦 How tweaking your delivery threshold saved one business £150k in a year🧮 The percentage mindset every founder needs to understand their real margins😬 Why the customers you lose when you raise prices are often the ones you didn't want anyway🔧 Price and cost control — why both have to happen at the same timeFollow Matt:📸 Instagram - https://www.instagram.com/mrmattholland/👨‍💻 LinkedIn - https://www.linkedin.com/in/mrmattholland/📱 TikTok - https://www.tiktok.com/@mrmattholland❌ X - https://x.com/mrmattholland1Follow Charlie:📸 Instagram - https://www.instagram.com/theworkwearexpert👨‍💻 LinkedIn - https://www.linkedin.com/in/charlie-smith-1a55295b/
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    49 分