Cash Chats UK Money & Personal Finance podcast
441 episodes - English - Latest episode: 5 days ago - ★★★★★ - 1 ratingCash Chats is one of the top money and personal finance podcasts in the UK.
Hosted by award-winning broadcaster Andy Webb, founder of BeCleverWithYourCash.com and YouTube's Andy Clever Cash channel, the show will help you save, make and manage money here.
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Episodes
Deals of the week 29th May 2019
May 29, 2019 17:55 - 10 minutes - 6.19 MBMore quick fire offers and savings for this week from Andy Webb including: How to watch Liverpool vs Tottenham in the Champions League Final on BT Sport for free Ticketmaster's Flash Sale 20% off family activities at Expedia £1 for a big bottle of Brewdog's Lost Lager Odeon cinema and Chili movie rentals bundle More details on these over at https://becleverwithyourcash.com/deals-index/
Deals of the week 22nd May 2019
May 22, 2019 18:53 - 12 minutes - 7.8 MBThis week's hottest offers as found by money geek Andy Webb include: £175 switching bonus from HSBC Free cinema tickets with packs of sweets and chocs £38 bargain printer with a year's supply of ink £1 trial of Tastecard for three months Sky Sports season pass discount You can find the links and more info on these deals at https://becleverwithyourcash.com/deals-index/
Deals of the Week 16th May 2019
May 16, 2019 16:30 - 13 minutes - 8.36 MBThis week's quickfire deals include: An Odeon ticket and £10 movie rental credit for under £6 A bargain £255 Samsung TV Flight flash sale on routes to Rio, Buenos Aires, New York and Florida Spotify Premium for 99p More info on these are more over at https://becleverwithyourcash.com/
Deals of the Week 9th May 2019
May 09, 2019 17:02 - 15 minutes - 9.47 MBThe deals you don't want to miss, including £15.98 Echo Dot speaker trick from Amazon £50 discount for Amazon Business accounts Big discounts on festivals including All Points East and British Summer Time £10 MOT from Halfords Tesco's "100 years" sale for Clubcard members Get more info on these and more at https://becleverwithyourcash.com/category/vouchers-deals/
#83 Save money at the cinema
April 14, 2019 16:45 - 26 minutes - 16.1 MBThis week I'm talking about going to the cinema. I love watching films on the big screen but it doesn't always come cheap. Still, I manage to pay around £6 or less each time I go, and you can too. Ahead of Avengers Endgame hitting cinemas, this week's episode shares how you can get your hands on six free tickets to Vue or Cineworld, have a year of 2-4-1 movies for around £1 and why you should shop around. Plus, I've taken a look at whether memberships are worth it. More info over at ht...
Deals of the week 11th April 2019
April 11, 2019 10:41 - 12 minutes - 7.66 MBThis week's deals include: How to get paid to watch the new series of Game of Thrones Smart home bargains in the Amazon spring sale (and how to check the price is a good one) New £175 bank switching incentive Free craft beer! You can read more about all these deals over at https://becleverwithyourcash.com/
#82 Happy New Financial Year
April 07, 2019 13:02 - 24 minutes - 15.7 MBIt's the start of a new tax year and with it are a fair few changes to your finances. Here's a quick run through of the major things you need to know. I've put some bullets below of the main points, but I've gone into more detail in this week's podcast episode. Changes affecting your earnings Tax threshold increases Personal allowance up to £12,500 from £11,850 Higher rate threshold up to £50000 from £46,350 In Scotland the personal allowance is also rising to £12,500, but above ...
Deals of the week 4th April 2019
April 04, 2019 15:54 - 11 minutes - 7.41 MBThe latest bitesize podcast with five top deals you need to grab before they are gone. This week: A cinema ticket a week for £9.99 a month with Mubi £5 or £10 Amazon vouchers when you shop via Vouchercodes Family discounts via a Little Bird trial for £1 John Lewis sale - can you price match? Last chance for an iTunes discount via O2 More information over at https://becleverwithyourcash.com/
#81 Do you need an ISA?
April 01, 2019 12:45 - 20 minutes - 12.5 MBAs we approach the end of the financial year and the start of the new one, banks and building societies are pushing ISAs hard. Newspapers are full of adverts encouraging you to max your allowance or open a new account. But is that the best thing to do with your savings? In this episode of the podcast, I've shared why most people won't benefit from an ISA - largely thanks to the Personal Savings Allowance. Plus, why they can be good for anyone with lots of money saved up, or if you're a fir...
Deals of the week 28th March 2019
March 28, 2019 16:35 - 11 minutes - 6.88 MBAnother mini-episode of the podcast with some hot deals that'll be gone before you know it. This week's featured deals: £10 back at Boots Free chocolates after £3 cashback £150 bank switch bonus ending soon Amazon Echo Dot/Fire TV bundle Craft beer sales More information and the links for these over at https://becleverwithyourcash.com/category/vouchers-deals/
#80 Should you pay the TV Licence fee?
March 23, 2019 19:12 - 32 minutes - 19.5 MBDoes paying to watch normal TV represent good value for money? And if not, do you have to pay the Licence Fee? Over the next few weeks, quite a few bills are going up. One - from the 1st April - is the TV Licence, which will increase by £4 a year. It means you're paying the equivalent of £12.88 a month to watch live TV (and not just the BBC). With the rise of streaming services such as Netflix and Amazon Prime, it might seem like you could do without the BBC and other terrestrial broadca...
Deals of the week 21st March 2019
March 21, 2019 16:39 - 13 minutes - 8.31 MBA new extra minipod with the best offers and deals you can get right now. This week: How you can get a Google Home Mini smart speaker for free, £5 or £15 A half-price sale on Chilly's reusable bottles Mother's Day flower discount codes Half-price Easter Eggs 4% off Netflix More info on all these deals at https://becleverwithyourcash.com/deals-index/
#79 My 14 current accounts
March 15, 2019 10:00 - 32 minutes - 19.7 MBAre you still with the same bank you joined when you first got an account? Chances are that's the case, or perhaps you've switched once, maybe twice. If so, you're losing out. There's no reason you can't have more than one account, and there are definitely advantages to having more. This week on Cash Chats I've delved into my wallet to take you through each of my 14 current accounts - and why I've got them. The benefits include high interest on savings, cashback on bills, monthly rewards...
#78 Your Money MOT
March 06, 2019 18:09 - 25 minutes - 15.6 MBIn this week's episode, I want to take you through a simple money warm-up. You can make sure everything is working ok with your finances before you start doing anything good or bad with your money. It's not complicated and won't take you long, but at the end of this MOT you should know the true state of your finances. Find the links I discuss over at https://becleverwithyourcash.com/cashchats78
#77 Should you be stockpiling food?
February 28, 2019 15:28 - 29 minutes - 18.2 MBWelcome back to Cash Chats! After a bit of a break, this is the first episode of 2019 and I've looked at stockpiling. In part this is due to fears caused by the impending Brexit, particularly in the event of a no-deal exit from the EU. Reports state prices will rise and the supply chain restricted. Both reasons to stock up now if you can. But that's not the only reason. Any period of time when you might not be able to leave home - illness perhaps, or severe weather - could quickly eat up y...
#76 Your refund rights if you change your mind
December 05, 2018 12:50 - 27 minutes - 62.2 MBWe’ve all made that impulse purchase that turns out to be not such a great idea. Sometimes we realise too late and we’re stuck with it. But if you know you don’t want or need something soon enough, then you might be able to get your money back. Whether you can or not depends on where you bought it, and how you paid for it. Read more at https://becleverwithyourcash.com/cashchats76
#75 How to win at Black Friday
November 20, 2018 18:36 - 24 minutes - 57 MBWith days to go until Black Friday, I've shared my top tips to help you bag a bargain in these huge annual sales. Now there's obviously some cynicism around Black Friday. That's understandable - it's a manufactured event to get people spending money they hadn't planned to spend and buy things they hadn't planned to buy. But if you do it right it's a great chance to save some extra cash. More info and notes at https://becleverwithyourcash.com/cashchats75/
#74 Are luxury advent calendars a rip off?
November 12, 2018 08:24 - 27 minutes - 62.7 MBI'm joined by Cora Harrison to see whether posh advents for adults are worth the money. Festive advent calendars have changed. When you open the windows you don't just get pictures of snowmen or angels. Even that late 80s upgrade of small chocolates seems traditional now. And the advent candle is long forgotten. Now it's all about luxury advent calendars for adults. For the last few years we've been inundated with all sorts of advents for grown-ups full of 24 bottles of gin, 24 tiny test siz...
#73 The energy price cap explained
November 06, 2018 18:05 - 20 minutes - 46.5 MBA cap on how much electricity and gas costs seems a good idea - and it is. But it's not as simple as saying everyone is going to pay less. In this episode of Cash Chats, I break down who the cap applies to, how it works, and why you shouldn't get complacent. And my golden rules to make sure you don't ever need to worry about paying too much for your energy. Read more at https://becleverwithyourcash.com/cashchats73/
#72 Pay less for your broadband
October 23, 2018 13:14 - 31 minutes - 72 MBIn this episode of the podcast you can find out how to pay less for your internet. This week I haggled an extra £8 a month off my monthly broadband charge - which was already £22 off the standard price. My total saving over 12 months is going to be £336. So in this episode I've shared how I did it and how you can do the same. There's a mix of methods you can pick and choose from - or do a combination of them all. For me I first took advantage of a top new customer deal, and then jumped on Vi...
#71 Where to put your savings
October 17, 2018 10:44 - 24 minutes - 55.6 MBThis week I'm sharing where I think the best places are to put cash savings. With two new savings accounts offering 1.5% (Marcus by Goldman Sachs & the RBS Savings Builder), I've looked at whether they're any good, or if you can get a better rate elsewhere (spoiler: you can). I also discuss why most of you don't need an ISA, particularly if you earn under £46,350 a year. But if you are a higher earner with lots of savings, then find out why you need to think a little differently. More over a...
#70 Mental health & money with guest Charlotte Burns
October 10, 2018 10:41 - 28 minutes - 66 MBOften people think of mental health in relation to serious conditions such as bipolar or depression, but it's something we should all consider - not just for ourselves but for friends and family. Mental health is pretty much how you're feeling and functioning. It can be good, or ok. But all of us will have moments where it's bad - even if it's not a condition which might require longer-term management or medication. Whenever we're feeling down, feeling stressed or feeling lonely we're experi...
#69 Your Christmas money checklist
October 02, 2018 17:18 - 29 minutes - 67.6 MBHow to make sure you get the best value for money on Christmas travel, gifts, decorations and food and drink. We're just 12 weeks away from Christmas. That might seem like a long time, but it'll creep up on you faster than you think - meaning it's a good time to start thinking about how much you'll spend. In fact, even if you're reading this in November in December, or just want to get well ahead of Christmas 2019, it's never too late or early to follow the tips in this article. So here's a ...
#68 Death of the high street: What next for John Lewis, Debenhams and House of Fraser?
September 18, 2018 09:59 - 28 minutes - 65 MBIs this the end of Debenhams, House of Fraser and John Lewis? And what do their struggles mean for customers? We've had all three major department stores hit the headlines over the last few weeks, so I've taken a look at what's happened, including news that House of Fraser customers might not get their money back on cancelled orders and returned gift cards. More and show notes at https://becleverwithyourcash.com/cashchats68
#67 How to save hundreds on your mobile phone bill
September 04, 2018 14:09 - 29 minutes - 67.6 MBThis week on the podcast I share how to cut your mobile phone bill to around a tenner, and other ways to bring down how much you pay. Not many of us can go without a mobile phone, which is probably why so many people overspend. It's possible to cut a monthly bill down to around £10 without losing coverage, and if you want a new handset, you can get them far cheaper if you don't automatically upgrade when your contract ends. Read more at https://becleverwithyourcash.com/wp-admin/cashchats67
Ep66 The interest rate rise and your savings
August 22, 2018 15:19 - 26 minutes - 60.9 MBThis week I talk about the recent interest rate and how it will affect you, mainly in terms of the return you can get on your savings. The Bank Of England increased the base rate of interest from 0.5% to 0.75% earlier this month, making it the highest rate we've seen since the financial crash. You'd expect this to be passed on to savers, but I think that's unlikely, especially when you consider what happend when rates rose last November. I explain why, and share where I think are the best pl...
Ep65 Smart meters, smart tech and Prime Day review
July 23, 2018 15:19 - 23 minutes - 54.1 MBWith news that smart meters will probably only save you £11 a year, I've looked at what they do and why I think you should wait. Plus a look back at how Amazon Prime Day went. Were the savings good? And should you wait for Amazon's Black Friday weekend for similar discounts? Read more at https://becleverwithyourcash.com/cashchats65
Ep64 How to pay on holiday
July 09, 2018 12:04 - 24 minutes - 55.6 MBPart two of my summer holiday specials, this time looking at the cheapest ways to pay when overseas, whether that's by cash or card. Read more at https://becleverwithyourcash.com/cashchats64
Ep63 Fast Fashion
June 27, 2018 10:02 - 25 minutes - 57.3 MBIn this week's episode I've looked at fast fashion. Yes it's cheap, but when you factor in quality it can sometimes work out better value to spend more. Then there are the environmental and ethical consequences of producing so much disposable clothing. Listen in to find out what you can do to lessen the impact, including which high street retailers have ethical ranges, and how to get money off new clothes when you donate old clothes to charity rather than chuck them away. More info and links ...
Ep62 My holiday prep checklist
June 18, 2018 16:50 - 24 minutes - 56 MBOversized luggage, inadequate insurance and expired visas are just some of the ways I've been caught out on holiday. Avoid these and other mistakes by preparing for your summer holiday now. Sorry it's been a few weeks since the last episode - filming for Shop Smart Save Money has been great but cut my available time. Anyway, I'm back, and this week I'm sharing my holiday prep checklist. Essentially these are the things I'll work through NOW - not just before I'm due to fly. Leave these until ...
Ep61 What's wrong with the high street?
May 31, 2018 10:42 - 23 minutes - 52.8 MBThe high street has been back in the news with M&S and Carphone Warehouse the latest to announce massive store closures, and a survey from Which? revealing the shops we like the least. It doesn't look great for the high street. I now live in a relatively wealthy part of Yorkshire compared to other parts, and there are lots of independent shops and restaurants. But in the three months I've been here we’ve lost the H&M, Byron, Maplin, Game, Thorntons, East, Top Shop, Miss Selfridge, Mulityork, ...
Ep60 - Wedding savings for guests and couples
May 16, 2018 11:18 - 22 minutes - 51 MBWedding season well and truly kicks off this weekend, so I wanted to talk about the ways you can avoid spending a fortune, both as a guest and if you're the couple tying the knot. More at https://becleverwithyourcash.com/cashchats60
Ep59 - Ask Andy inc old clothes for vouchers, credit cards and GDPR
April 25, 2018 15:40 - 20 minutes - 47.8 MBAnother Ask Andy special where I answer your questions. This time I tackle the H&M clothes recycling scheme, paying off credit card debts and why you're getting so many emails from businesses thanks to GDPR. More over at https://becleverwithyourcash.com/cashchats59
Ep58 How I get the best value on tech and appliances
April 18, 2018 18:11 - 23 minutes - 54.5 MBSometimes shopping around to save a few quid isn't worth the time. But when you're spending hundreds of quid you can make some big savings - if you put the time and effort in. Having just moved house we need to buy some new appliances, and over the last few weeks, I've managed to get us far better appliances than we hoped for with the budget we have. So it made sense to share how I do it so you can too. Read more at https://becleverwithyourcash.com/cashchats58
Ep57 The companies keeping your money
April 11, 2018 20:26 - 26 minutes - 61.4 MBCompanies are happy to take our cash, but it's sometimes a different story when they owe us money. This week on the podcast I share how I've had to chase brands, from Council Tax to Three to Travelodge, for money they didn't automatically pay me back. Tune in to find out where you should be checking for some long forgotten cash. More and links over at https://becleverwithyourcash.com/cashchats57
Ep56 The new financial year
April 05, 2018 10:11 - 20 minutes - 47.9 MBApril 6th sees the start of the new financial year, and with it some changes to the money you bring home, and the cost of things you buy. In this week's episode I've given you a quick rundown of the main changes, such as how much tax you pay, and the bills that'll increase. More over at https://becleverwithyourcash.com/cashchats56
Ep55 Couponing w/ guest Jordon Cox
March 28, 2018 10:50 - 28 minutes - 66.2 MBI've never been 100% convinced by couponing, so I asked Coupon Kid Jordon Cox to join me on the podcast this week and convince me it's worth the time and effort. We talk about where to find coupons, how to make sure you don't get carried away, "wombling" and why you should tap your loyalty cards to get even more. Get links and more at https://becleverwithyourcash.com/cashchats55
Ep54 The big chocolate rip-off
March 21, 2018 13:38 - 29 minutes - 66.5 MBAs someone who is passionate about getting the best value for money, I’ve got issues with Easter. Easter eggs specifically. Nowhere else are manufacturers and supermarkets charging such a premium for something you can get in a different shape all year around for far less cash. So in this episode I've shared how to avoid overpaying for your Easter chocs. as well as some tips to save money all year round. More at https://becleverwithyourcash.com/cashchats54
Ep53 Ask Andy: Childcare Vouchers, LISAs and bank switching
March 07, 2018 16:47 - 24 minutes - 55.1 MBI'm answering your questions this week on the podcast, including changes to Childcare Vouchers, Lifetime ISAs vs Help to Buy ISAs, and exactly how bank switching works. More info and links can be found at https://becleverwithyourcash.com/cashchats53
Ep52 Best ways to save at the cinema
March 01, 2018 12:08 - 19 minutes - 45.3 MBI love going to the cinema, but I hate paying full price which can easily hit £15 or more. So I've hunted out the best savings which I've shared in this week's podcast. From how anyone can get student prices, through to the best loyalty perk it's possible to pay around £5 on average. More over at https://becleverwithyourcash.com/cashchats52
Ep51: Are you paying too much for your Council Tax?
February 20, 2018 09:32 - 21 minutes - 49.4 MBThere's a good chance your Council Tax bill will be bigger from April 2018, so I've taken a look at the ways you can potentially save some money - and possibly even get a backdated refund. Councils are allowed to hike your Council Tax bill by 3%, and some as much as 5.99% when the new bills are sent around in late March, adding yet more to the bills we have to pay. But there are a few ways you might be able to save. Most of you should be able to get 1% or 2% back from a couple of banks, which...
Ep50: Battle of the supermarkets
February 13, 2018 13:37 - 32 minutes - 74.7 MBWe've all got different reasons for picking the supermarket we shop in. It could be price, it could be quality, it could just be whichever is nearest. But we've all got our favourites too. So in this week's episode I've been joined by three other money bloggers to argue which is best. I've championed Waitrose, while Katy Stevens from Katy Kicker is on the side of Aldi, Helen Dewdney from The Complaining Cow advocates Tesco and Jane from Lady Janey speaks up for Sainsbury's. Tune in to hear us...
Ep49 Ask Andy inc what to do with unused credit cards, plus Monzo, Nectar & O2 Priority
February 07, 2018 12:48 - 16 minutes - 37.7 MBIt's been a while since I've tackled the questions you've sent me via email, Twitter and through comments on the blog, so I picked four of the recent ones to share my answers. Here's what's in this episode. - Do you have to keep putting the O2 SIM in your phone when you use the O2 Priority Moments app trick? And can you use it for priority tickets? - Should you cancel an unused credit card? - Can you still use the Monzo card as a prepaid account? - How do you spend Nectar points in Sainsbury'...
Ep48 Escape the 9-5 rat race w/ guest Ravi Rajani
January 30, 2018 18:14 - 33 minutes - 76.3 MBGet your money in shape so you can start working on your dream job. Five years ago I knew I want to do something different, something outside the normal corporate working regime. Now, I'm my own boss, doing something I love (that's this blog and podcast by the way). So how do you get yourself to something similar? Well there's a lot of hard work for sure, but one of the biggest barriers is money. So I asked Ravi Rajani to join me on this week's podcast to talk about the things we've both done...
Ep47 Are you getting the most from your bank account?
January 24, 2018 13:50 - 27 minutes - 62.4 MBBanking is boring, right? Well, it doesn't have to be! I've made thousands of pounds over the last four and bit years by making sure my back account is working for me. So in today's episode of Cash Chats I share what you can do to get free cash, earn the highest interest, get cashback and reduce your overdraft fees - all from moving your business to a different bank.
Ep46 Sticking to money resolutions and goals w/ guests Faith Archer and Jane Wallace
January 17, 2018 15:43 - 26 minutes - 60 MBDid you set a money resolution at the start of the year? We're at that point where willpower starts to falter and all our best intentions are forgotten. So in this episode I talk to money bloggers and journalists Faith Archer and Jane Wallace to share how you can keep motivated and stick to those financial goals. Read more over at https://becleverwithyourcash.com/cashchats46
Ep45 Beat debt and take back control
January 09, 2018 19:31 - 22 minutes - 52.4 MBIf you're worried about your lack of savings or are looking over your shoulder at mounting debts it's time to take action. In this episode I share how you can start clearing debt and how to take back control of your finances.More and links at https://becleverwithyourcash.com/cashchats45
Ep44 How you can be clever with your cash in 2018
January 03, 2018 22:49 - 22 minutes - 52.1 MBIn the first episode of the podcast's second season I want to share how being clever with your cash can save you a huge amount of money this year. When I started the blog in 2014 I set myself a challenge. I wanted to see just how much money I could save in a year. And not through being frugal and cutting back. Instead it was just through making simple decisions to ensure I got the best value for money every time I could. And it worked. I was managed to save close to £14,000 over those 12 mont...
Ep43 Do you really save money in the sales?
December 20, 2017 15:09 - 21 minutes - 49.3 MBWith the big end of year sales already underway in some shops, this episode is focused on whether you're actually likely to save money if you buy now, or if it's all a bit of a con. Plus I share how you can work out the real discount on offer. More over at https://becleverwithyourcash.com/cashchats43/
Ep42 The energy comparison con
December 12, 2017 15:01 - 19 minutes - 44.2 MBThe savings that show up on energy comparison sites might not be true. With the cold snap, I'd be amazed if you didn't put the heating on. And doing that might have prompted you to think about how much you're paying for your gas and electricity. Switching is a GOOD THING, and can save you hundreds of pounds. But with the vast majority of comparison sites I feel you're being misled, particularly if you're already a savvy consumer and have already fixed. There's a risk you might be tempted to ...