Cash Chats

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

If you were too ill to work or died suddenly, how would your family pay the bills? This week I'm joined by my friend Kara Gammell, a personal finance journalist and money blogger. She's passionate about spreading the word on protection insurance - from critical illness cover through to life assurance, so I thought she'd be the perfect person to help give some insight into why many of you should probably get it. 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 > Your Best Friend's Guide to Cash (Kara's blog) > Income Protection Task Force > Do you need income protection insurance (Money Advice Service) > 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

I've been joined this week by friend and money coach Catherine Morgan to talk about money personalities. * Please do leave a review and rating if this saves you money. * FURTHER READING > Catherine's Money Personality Quiz > 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 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 from the last seven days. Andy also runs the award-winning website Be Clever With Your Cash, presents Channel 5’s Shop Smart

Find out how the government's latest financial plans will impact you - including measures to get us spending money in leisure and hospitality businesses, a big saving for people moving home and news of funding to create new jobs for young people. 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 summary of the Summer Statement Deals of the week £3 to spend at Costa The new Spotify Duo offer £10 Disney+ cashback bonus Possible free Jaffa Cakes on CheckoutSmart 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 frie

I've very mixed feelings about freebies or heavily discounted trials. On one hand, I love them - who wouldn’t, you get something for free. One the other hand I’m not sure they’re always a good thing. For a start there’s guilt. Guilt that I’m creating unnecessary waste, guilt that I’m taking advantage of someone And on top of that, there’s also the danger that something that’s free will be costing you down the line. And there are also the freebies which just aren’t worth the time and effort. So how can you make sure your freebies really are free? In the latest episode of Cash Chats I'm looking at the things you can do to make sure the freebie doesn't cost you more than it should. * Please do leave a review and rating if this saves you money. * FURTHER READING Free water-saving devices Three free gratitude cards from Hallmark  Get a £17 cashback bonus Club Lloyds Bank account Free magazines from your library  Birthday freebies Episode 6 of Cash Chats with guest Deepak Tailer from Latest Free Stuff ABOUT CA

From the climate crisis to Black Lives Matter to struggling high streets, it's all very well liking a post on social media to show your support for a cause, but is that enough? It's time to put your money where it can hopefully make a difference to your community, society and the planet. Here's how to work out how your donations, spending and banking can align with what you want to change. * 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 Giving to charity and alternatives to Just Giving The Bellingcat podcast  10 Anti-racism charities to donate to (The Independent)  Shopping and spending Episode #112 How to be ethical and money saving  Banking & Investing Ethical Consumer's table of banks  Triodos Bank  Monzo vs Starling  Ethical investing guide (Interactive Investor) Ethical investing articles (Good With Money) Deals Free glass of Brewdog Punk IPA The best American Express credit card American Express bonus of

This week lockdown begins to ease further with the non-essential shops reopening across the UK. I've taken a look at how things are working and whether you should be taking a trip to the high street or not. I've also shared your consumer rights for purchases made before, during and after the shops were closed. Plus news of an offer to help you support small local shops and save yourself cash at the same time. Full transcript at BeCleverWithYourCash.com/cashchats128 * Please do leave a review and rating if this saves you money. * FURTHER READING Mastercard's Shop Openings website How to make the most of American Express Shop Small Your rights to a refund when you change your mind How to get free Amazon returns Deals A year's free Mubi Sky Sports month pass on NOW TV for £25 or less £3 bonus at TopCashback 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.

During lockdown, those that are still working are likely spending a lot less than normal. There's no commuting, no holidays, no nights out, no childcare costs. So what do you do with this extra cash you wouldn't normally have? In the second of highlights from my recent Lockdown Money Live event, I'm joined by Damian Fahy from Money to the Masses and Sara Williams from Debt Camel to discuss the best options. Find out whether you should be focusing on savings, debts, investments, mortgages or your pension - or even spending it to boost the economy. ---- Don't forget to join the Cash Chats community on Facebook. Please do also leave a review and rating. Here’s how to do it on Apple Podcasts and iTunes.  ------ SUBSCRIBE & LISTEN TO OTHER EPISODES OF CASH CHATS (it's free!):  APPLE PODCASTS      GOOGLE      SPOTIFY Related episodes #120 Save thousands on your mortgage #106 Clearing credit card debts Further reading & links Hacks to boost your savings pot Debt Camel & articles about debt https:/

Last week I hosted a free online event called Lockdown Money Live, and here's the first of the highlights. There were four sessions and this week on the podcast you'll get to hear my interview with money blogger Faith Archer about the schemes available to you if you can't work. We discuss what happens next to the furlough scheme and support for the self-employed, as well as share what you should be doing if you're worried about redundancy. 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 MSE guide to the furlough scheme ACAS redundancy guidance Faith's article on Bounce Back Loans Watch all the Lockdown Money Live sessions On the blog this week Should you extend or take a mortgage holiday? Chip app review – Can it help you put money into savings? Pick of the deals Times Plus trial offers – get free movie Free Kindle book offers Earn 2.02% with a Virgin Money account ABOUT CASH CHATS Cash Chats is presented by m

This week I'm looking at a vital part of your finances - the information that banks, lenders and other companies use to work out whether they want to give you a product or money. Known as a credit report, it holds details of all your accounts, payment history and more. And linked to this is your credit score. They're different things but both very important. Here's how they work, when they're used and how you can access them for free. 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 credit reports and credit scores My video explaining how to avoid getting rejected for credit cards Clearscore Credit Club Credit Karma MSE's report on some banks using Open Banking to find mortgage holidays The Lockdown Money Live event on Facebook 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 Ap

If you want to take some of the effort out of managing your money then it's worth thinking about the ways you can automate your finances. Tricks include moving money between multiple accounts, making sure you don't forget payments, boosting your savings pot, switching energy and earning cash when you spend. Please do leave a review and rating. Here’s how to do it on Apple Podcasts and iTunes.  Further Reading & Listening How to automate your savings How automatic energy switching services work My 14 current accounts (Cash Chats #79)  Airtime Rewards review Join the Cash Chats Facebook community 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 frie

I talk a lot about how to avoid debt in the first place, from getting the best price and value through to better managing your money. But sometimes that’s not enough. A big factor is getting over the shame you might feel about your situation and the decisions you've made. So how do you do this? Well it can really help to know you aren't in this alone. That other people are going through the same things, feeling the same emotions. The more accounts of money management that we read and recognise, the less alone we feel. So this week my guest is Instagrammer Clare Seal, aka @MyFrugalYear. She has gone through this herself and is sharing her way out of £27,000 worth of debt with her 50,000 followers. Shame was a big part of her debts getting beyond her control, and it's something she's passionate about helping people break free of. And a lot of what we talk about applies even if you don’t have debt. We can all feel shame about finances - whether that’s an impulse buy through to being unable to do something as you

How side hustles can boost your income. In the second part of my making money series I've been joined by Ken Okoroafor from The Humble Penny blog to talk about how "side hustles" such as tutoring or setting up your own eBay / Amazon shop can make a big difference to your income. Please do leave a review and rating. Here’s how to do it on Apple Podcasts and iTunes.  Further reading & links Episode 121 of Cash Chats - Money making part one The Humble Penny blog - Ken's guide to side hustles  Upwork - freelance marketplace Just Park - rent your drive Ken on Episode 93 of Cash Chats - FIRE (Financial Independence Retire Early) Deals at Be Clever With Your Cash - Amex, NBA & Ancestory special 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, Reader's Digest and the Independent. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual a

If you're in need of some extra cash there are a couple of ways you can do this. In this first part I'm joined by money making blogger Emma Drew to talk about how things like online market research, eBay and receipt scanning can boost your coffers. * Please do leave a review and rating if this saves you money. Further reading & links Emma's guide to survey sites including Prolific and YouGov Sign up to Research Opinions Sign up for a cashback site bonus Sign up for Oh My Dosh Sign up for 20 Cogs Sign up for Swagbucks Sign up to Qmee Sign up to Airtime Rewards Sign up to Receipt Hog Sign up for Shoppix All the best deals on 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 ge

Probably the biggest purchase we'll ever make is going to be buying a house. But once you're on the housing ladder it doesn't mean you can't still make savings. In this week's episode I've looked at two key ways you can reduce the overall interest you pay, which can be worth thousands of pounds. The first is to boost your LTV (Loan to Value) and the second is to make overpayments. Individually they'll cut what you pay, combined the savings will be huge. * Please do leave a review and rating if this saves you money. * FURTHER READING & LINKS > How to use LTV to lower your mortgage interest rate > Should you overpay on your mortgage? > Money Saving Expert's mortgage overpayment calculator > Money Saving Expert's mortgage rate calculator 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 M

This week I've looked at what you can do if you think you'll struggle to have enough cash left towards the end of the month and your next payday. FURTHER READING How to survive until payday How to make a budget How to stick to a budget How to stop spending money Spend less by using what you've already got What benefits are you entitled to 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 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 from t

There are a couple of taboos people tend to avoid talking about. Money is one, another is dying. So combined must be some kind of super-taboo! But it's really important that you do have that conversation. Here's what you need to think about in terms of your own finances and plans, as well as how to discuss it with family members. It might not be the cheeriest of subjects but it's vital you have some plans in place to make sure your money goes where you want it to go, and the loved ones you leave behind aren't forced into debt to pay for your funeral. FURTHER READING > My article on why it's time to talk about dying and your money > Different ways to get a will (Which? online) > Prepaid funeral plan guide (Money Saving Expert) > 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 - t

From mortgage holidays through to interest-free overdraft buffers, here’s what you need to know about how your bank is working during the crisis. I've looked at your borrowing (so credit cards, loans, mortgages and overdrafts), your banking (including customer support and bank switching) and your savings (how safe your money is and ways to access locked away cash). FURTHER READING Banking during the coronavirus crisis: Mortgages, overdrafts, loans, savings and more How much an overdraft is really costing you How to make a soft application for a credit card Find free debt advice via The Money Advice Service 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.

If you're now working from home there's a good chance you'll be spending less, but there are a few things you should be doing to make sure other costs don't get out of control.  In this week's episode I've shared how I've used home working to save cash over the last couple of years, plus a quick rundown of the latest deals of the week. FURTHER READING > Cut the cost of your broadband > How to find out just how much data you need. > How to switch your energy to cheaper deal > Cashback site bonuses > More on saving money when working from home Other articles mentioned > Use your spending power for good > Reduce food waste > Savings accounts to beat inflation > 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

Covid-19 has come from nowhere and caused such unexpected disruption - which is likely to get worse. So how do you make sure you and your money are in the best place to deal with this? Well a bit of planning now could make things easier in the weeks and months to come as our movements become more restricted. Plus, my thoughts on what you should do if you're owed money due to cancellations. FURTHER READING > Managing your money during social distancing and self-isolation > Cancelled or closing: Should you get a refund? > Financial support if you’re hit by coronavirus > 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 acc