Cash Chats

More than 4 million mortgage, credit card and loan payments have been deferred since the pandemic began, and though most have started repaying what they owe, there are still hundreds of thousands of people who could find things even harder after 31st October. In this episode, I'm joined by Sara Williams from the Debt Camel blog to talk through what you need to be doing if you've had a payment holiday, and what to do when your's ends. * Please do leave a review and rating if this saves you money. * FURTHER READING Car finance after a payment break Mortgages after a payment break Priority debts explained Sara's recommended places for debt help Episode 87 of Cash Chats on overdrafts ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podcast has been featured as one of the top finance podcasts by Apple, Good Housekeeping and the Independent. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. On each Cash Chats episode you c

With another new account from Monzo (this one at £15 a month) and Chip introducing a £1.50 monthly fee, is this a sign that we'll have to pay for fintech apps that help us manage our money and save. I've taken a look at Monzo Premium, Monzo Plus, Chip and Curve, and asked whether you need to pay for them. * Please do leave a review and rating if this saves you money. * FURTHER READING Monzo Premium review https://becleverwithyourcash.com/monzo-premium-review/ Monzo Plus review https://becleverwithyourcash.com/monzo-plus-review/ Curve review https://becleverwithyourcash.com/curve-card-and-app-review/ Chip review https://becleverwithyourcash.com/chip-savings-app-review/ This week's deals https://becleverwithyourcash.com/category/vouchers-deals/  ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podcast has been featured as one of the top finance podcasts by Apple, Good Housekeeping and the Independent. In 2019 it was awarded Best Money Podcast at the SHOMOS - the U

Here's my monthly update on the changes in UK savings in October 2020 and the accounts with the highest interest right now. Plus, I look at whether negative interest rates could be on the way and what that could mean for your savings. * Please do leave a review and rating if this saves you money. * FURTHER READING My updated article with the best savings accounts https://becleverwithyourcash.com/cash-savings-beat-inflation/ ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podcast has been featured as one of the top finance podcasts by Apple, Good Housekeeping and the Independent. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. On each Cash Chats episode you can hear Andy share ways to get the most from your money. He's often joined for friendly and accessible conversations by a friend from the UK Money Blogger community to cover topics as diverse as freebies and investments. Then at the end of each week stay tuned f

With everyone being at home more in 2020 and probably 2021 we're using a lot more energy - and our bills will increase as a result. So it's vital to make sure we're taking the easy steps to bring down the cost of electricity, gas and water. In this episode I'll take you through why not all comparison sites are equal, whether you should bother with auto-switching sites and when a water meter can and can't save money. Don't forget to join the Cash Chats community on Facebook. * Please do leave a review and rating if this saves you money. * FURTHER READING My guide to cutting your energy bills   My guide to the pros and cons of smaller energy companies  My guide to automatic energy switching services   Cheap Energy Club – my pick of the comparison sites   Why the energy cap probably won’t save you money  Is a smart meter worth it?  My guide to water meters and whether they’ll save you money  Deals of the week ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the

Here's your quick roundup of the best credit card promotions and savings including 0% balance transfers, 0% purchases, 0% money transfers, cashback, travel and credit building. Don't forget to join the Cash Chats community on Facebook. * Please do leave a review and rating if this saves you money. * FURTHER READING My best credit card offers and promotions article on the blog https://becleverwithyourcash.com/the-best-bank-switching-cashback-interest-offers/ ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podcast has been featured as one of the top finance podcasts by Apple, Good Housekeeping and the Independent. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. On each Cash Chats episode you can hear Andy share ways to get the most from your money. He's often joined for friendly and accessible conversations by a friend from the UK Money Blogger community to cover topics as diverse as freebies and investments. Then at

This week I'm joined by Timi Merriman-Johnson (aka Mr Money Jar) to talk about the special offers that make us think we're saving money but are really making us worse off. Plus how to make sure you're getting a decent price ahead of Amazon's Prime Day and the Black Friday sales. * Please do leave a review and rating if this saves you money. * FURTHER READING > Timi on Instagram https://www.instagram.com/mrmoneyjar/  > How to compare prices and price history https://becleverwithyourcash.com/how-to-search-price-history-and-know-if-youre-getting-a-good-deal/  > Green Homes Grants explained https://becleverwithyourcash.com/green-homes-grant-how-to-get-one/ > Deals of the week ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podcast has been featured as one of the top finance podcasts by Apple, Good Housekeeping and the Independent. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. On each Cash Chats episode you can hear

Here's your October update on the best current accounts for you and your money.  Changes this month impact anyone with a TSB Classic Plus, Club Lloyds, Bos Vantage or Santander 123 account. Plus a look at a new account from TSB which offers the chance to get £80 in cashback. Don't forget to join the Cash Chats community on Facebook. * Please do leave a review and rating if this saves you money. * FURTHER READING ARTICLE: All the latest offers, as referenced in this article https://becleverwithyourcash.com/the-best-bank-switching-cashback-interest-offers/ VIDEO: How cashback works https://www.youtube.com/watch?v=DNdUo_ZhH9Q&t ARTICLE: Santander 123 vs Santander 123 Lite https://becleverwithyourcash.com/best-cashback-current-account/ VIDEO: How to get £375 free money https://www.youtube.com/watch?v=8qsJSFffVxY&t VIDEO: The new overdraft charges https://www.youtube.com/watch?v=zj8RNZ3CuXw&t  ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podcast has

Time for another Side Hustle Spotlight episode, and this time I'm joined by blogger Laura Dempster to share our five rules you need to follow when setting up your own side hustle. We also look at the ingenious "print-on-demand" mini businesses where you can set up with no real overheads and sell your own t-shirts, cards and more. Don't forget to join the Cash Chats community on Facebook. * Please do leave a review and rating if this saves you money. * FURTHER READING Print on Demand (Thrifty Londoner blog) The Winter Economic Statement and furlough replacement (Be Clever With Your Cash) Andy's deals (Be Clever With Your Cash) ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podcast has been featured as one of the top finance podcasts by Apple, Good Housekeeping and the Independent. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. On each Cash Chats episode you can hear Andy share ways to get the most from your mo

If you're someone who's concerned about the climate crisis, injustice in society and other ethical issues, you probably do something to mitigate it. You probably recycle and give to charities. You might boycott brands or buy organic. All good positive actions. But you might be surprised to learn that who you bank with or where your pension is invested can do more damage to the climate, society and peace than pretty much anything else you do. in this episode I look why you might want to move your money, and share a few places that are better than others.   * Please do leave a review and rating if this saves you money. * FURTHER READING > Ethical Consumer magazine https://www.ethicalconsumer.org/ethical-consumer-magazine > UK Money Bloggers conference panel on ethical investments https://www.facebook.com/UKmoneyBloggers/posts/3116290621826698  > Andy's deals https://becleverwithyourcash.com/category/vouchers-deals/  ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the

How to get the highest paying interest rates on your savings in easy access and regular saver accounts in September 2020. Don't forget to join the Cash Chats community on Facebook. * Please do leave a review and rating if this saves you money. * FURTHER READING BLOG: My roundup of the different accounts https://becleverwithyourcash.com/cash-savings-beat-inflation/ ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podcast has been featured as one of the top finance podcasts by Apple, Good Housekeeping and the Independent. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. On each Cash Chats episode you can hear Andy share ways to get the most from your money. He's often joined for friendly and accessible conversations by a friend from the UK Money Blogger community to cover topics as diverse as freebies and investments. Then at the end of each week stay tuned for a bonus “deals of the week” rundown of the hottest offers

This week I'm joined by Pete Matthew, a financial advisor and the host of the UK finance podcast Meaningful Money. We talk about the concept of paying yourself first, as well as when you should - and when you shouldn't - get financial advice. Don't forget to join the Cash Chats community on Facebook. * Please do leave a review and rating if this saves you money. * FURTHER READING Meaningful Money https://meaningfulmoney.tv/ Pete's episode on finding a financial advisor https://meaningfulmoney.tv/2013/03/25/mmp008-how-to-find-a-financial-adviser-podcast/ Andy's deals of the week https://becleverwithyourcash.com/category/vouchers-deals/ ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podcast has been featured as one of the top finance podcasts by Apple, Good Housekeeping and the Independent. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. On each Cash Chats episode you can hear Andy share ways to get the most from yo

Here's your quick roundup of the best credit card promotions and savings including 0% balance transfers, 0% purchases, 0% money transfers, cashback, travel and credit building. Don't forget to join the Cash Chats community on Facebook. * Please do leave a review and rating if this saves you money. * FURTHER READING My best credit card offers and promotions article on the blog https://becleverwithyourcash.com/the-best-bank-switching-cashback-interest-offers/ ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podcast has been featured as one of the top finance podcasts by Apple, Good Housekeeping and the Independent. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. On each Cash Chats episode you can hear Andy share ways to get the most from your money. He's often joined for friendly and accessible conversations by a friend from the UK Money Blogger community to cover topics as diverse as freebies and investments. Then at

Every month I'm going to take a look at a key expense and show you how to reduce how much you spend. This week, ahead of the new Apple iPhone launch next week, I'm sharing the ways to cut the cost of new mobile phone handsets and your monthly bill. Plus, the usual deals of the week. * Please do leave a review and rating if this saves you money. * Don't forget to join the Cash Chats community on Facebook. FURTHER READING My guide to getting the best price on your mobile phone bill How much data do you really need? Virtual networks explained Check your mobile network signal where you live How to keep your old phone number when you switch network How to avoid 0845 and 0870 numbers How to sell your old phone Mobile phone 0% finance and SIM-only deals Airtime Rewards review  Deals of the week ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podcast has been featured as one of the top finance podcasts by Apple, Good Housekeeping and the Independent. In 2019 it w

Get a free £100 for switching to one of two banks. I'm trying out a new bonus episode of the podcast where I'll take you through the best accounts for banking, savings and credit cards. This first one focuses on Current Accounts. Let me know what you think and if you like this extra content. Don't forget to join the Cash Chats community on Facebook. * Please do leave a review and rating if this saves you money. * FURTHER READING The best bank switching, interest, cashback and overdraft offers https://becleverwithyourcash.com/the-best-bank-switching-cashback-interest-offers/ ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podcast has been featured as one of the top finance podcasts by Apple, Good Housekeeping and the Independent. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. On each Cash Chats episode you can hear Andy share ways to get the most from your money. He's often joined for friendly and accessible conver

This month marks both London Fashion Week and Oxfam's #SecondHandSeptember campaign so it feels like a good time to talk about why fast fashion clothing is so cheap. Joining me is Clare Carlile from Ethical Consumer magazine, and we talk about the impact low prices has on working conditions and the environment. * Please do leave a review and rating if this episode helps your finances* Don't forget to join the Cash Chats community of Facebook https://www.facebook.com/groups/2661970707423383/ FURTHER READING How to find bargain second-hand clothes https://becleverwithyourcash.com/how-to-find-bargain-second-hand-clothes/  How factory audits work (The Guardian) https://www.theguardian.com/business/2020/aug/28/factory-audits-how-they-work-and-what-they-reveal Claim your free copy of Ethical Consumer magazine https://www.ethicalconsumer.org/free-issue-ethical-consumer-magazine Spotify deal https://becleverwithyourcash.com/music-deals/  Bank switching deal https://becleverwithyourcash.com/the-best-bank-switc

This week TV's Matt Allwright (Watchdog, Rogue Trader, The One Show) joins me to talk about his new book - The Consumer Survival Guide - as well as discuss our consumer pet hates. We talk about ticket touts, auto-renewals, retention centres, smart speakers and more. Plus a couple of hot deals to save you money. * Please do leave a review and rating if this saves you money. * FURTHER READING > Buy Matt's book (Hive Books) https://www.hive.co.uk/Product/Matt-Allwright/Watchdog-The-Consumer-Survival-Guide/24730057 > Twickets fan-to-fan ticket marketplace https://www.twickets.live/?locale=en_GB > Scarlett Mist non-profit ticket marketplace http://www.scarletmist.com/ > Deals round-up https://becleverwithyourcash.com/category/vouchers-deals/ > Join the Cash Chats community on Facebook https://www.facebook.com/groups/2661970707423383/  ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podcast has been featured as one of the top finance podcasts by Apple, Good Housekee

Every month I'm going to look in detail at a side hustle to earn you some extra cash on top of your 9-5 or to help make up for any lost earnings. This week I'm joined by money blogger Jordon Cox to look at freelance marketplace Fiverr. Jordon has been using it to get work as a voiceover artist and is able to tell us how it works and the ways to help boost the "gigs" you get. But as with all these ways to earn more money there are cons as well as pros which we'll go into as well. * Please do leave a review and rating if this saves you money. * Don't forget to join the Cash Chats community on Facebook. https://www.facebook.com/groups/2661970707423383/ FURTHER READING > Fiverr https://www.fiverr.com/ > Jordon's blog on his Fiverr experience https://jordoncox.com/how-to-make-money-on-fiverr/ > Deals of the week https://becleverwithyourcash.com/category/vouchers-deals/ ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podcast has been featured as one of the top financ

So the latest figures show that the UK economy is officially in recession, with a whopping 20.4% contraction in the last quarter. In this week's episode I explain what that means and what impact that's likely to have on all of us. Plus the things we can do with our money to help weather the storm. * Please do leave a review and rating if this saves you money. * FURTHER READING The latest ONS figures and charts on the UK economy entering recession My Money Makeover series on YouTube ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podcast has been featured as one of the top finance podcasts by Apple, Good Housekeeping and the Independent. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. On each Cash Chats episode you can hear Andy share ways to get the most from your money. He's often joined for friendly and accessible conversations by a friend from the UK Money Blogger community to cover topics as diverse as freebie

With more people facing redundancy or starting their own side-hustles it's important to know just what going self-employed entails. I've been joined by David Thomas to discuss when to do it, when you're likely to make money, how to manage your finances and more. Don't forget to join the Cash Chats community on Facebook for more from this conversation. * Please do leave a review and rating if this saves you money. * FURTHER READING David Thomas Media - resources, courses and more Best free business bank accounts Halifax Reward current account review > Deals of the week ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podcast has been featured as one of the top finance podcasts by Apple, Good Housekeeping and the Independent. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. On each Cash Chats episode you can hear Andy share ways to get the most from your money. He's often joined for friendly and accessible conversatio

With more job losses announced every day, and many more likely to happen as furlough begins to tail off, there's talk of 10% unemployment this year. That means there's a strong possibility we're all going affected personally. So it's really important we understand how redundancy works. To help, I've been joined in this episode by employment lawyer Jodie Hill. We talk about what your entitlements are for notice and pay, how people are selected for redundancy, whether furlough will effect how much you'll get, what consultancy is, whether you'll get more if you volunteer to leave and much more. Don't forget to join the Cash Chats community on Facebook. * Please do leave a review and rating if this saves you money. * FURTHER READING Thrive Law news (Jodie's practice) Jodie on Twitter ACAS website Calculate your statutory redundancy pay Turn To Us guide to redundancy & benefits Deals of the week ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podc