Cash Chats UK Money & Personal Finance podcast

This week I'm sharing with you all a chat I had with one of you. Listener Eli won a competition at the start of 2021 to have an hour-long video chat with me about his finances.

Here are the highlights as I help him with questions about credit cards vs savings, switching prepayment energy and how much to save for tax when you're self-employed.

Plus, my answer to Eli's question about the number one things he should do to improve his finances!

VOTE FOR "Be Clever With Your Cash" in the British Bank Awards

https://smp.reviews/bba2021influencer

ABOUT CASH CHATS

Cash Chats is presented by money blogger and broadcaster Andy Webb.

In 2020 the podcast was featured as one of the top finance podcasts by publications including Apple, Good Housekeeping, The Sun and the Independent.

In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Money Bloggers community 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.

Andy also runs the award-winning website Be Clever With Your Cash, presented Channel 5's Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email [email protected]

ANDY ON SOCIAL

Andy's handle is @AndyCleverCash and you can follow him over at:

twitter.com/AndyCleverCash

instagram.com/andyclevercash

GET ANDY'S WEEKLY NEWSLETTER

You'll also get a free Quidco bonus for signing up

https://becleverwithyourcash.com/newsletter/

MUSIC

The music is Easter Island by Lonely Punk and provided on a creative commons licence

Your Money, This Week is my regular Friday bonus episode on the podcast that looks at the biggest personal finance and money news stories of the last seven days.

I'm joined for this one financial advisor Lisa Conway-Hughes, who also runs the Ladies Finance Club. We look at topics including:

• Rumours of more Covid rescue packages in the budget
• Why half of workers would quit if they can't carry on working flexibly
• Price hikes
• Text message scams
• More

Read more about all of these stories on becleverwithyourcash.com/cashchats170

Follow Lisa on Instagram

ABOUT CASH CHATS

Cash Chats is presented by money blogger and broadcaster Andy Webb.

In 2020 the podcast was featured as one of the top finance podcasts by publications including Apple, Good Housekeeping, The Sun and the Independent.

In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Money Bloggers community 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.

Andy also runs the award-winning website Be Clever With Your Cash, presented Channel 5's Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email [email protected]

ANDY ON SOCIAL

Andy's handle is @AndyCleverCash and you can follow him over at:

twitter.com/AndyCleverCash

instagram.com/andyclevercash

GET ANDY'S WEEKLY NEWSLETTER

You'll also get a free Quidco bonus for signing up

https://becleverwithyourcash.com/newsletter/

MUSIC

The music is Easter Island by Lonely Punk and provided on a creative commons licence

In 2021 I'm cutting out all spending direct with Amazon. There are a few different reasons but worries about the high street and a desire for Amazon (and other big tech) to pay a fair share of tax are right up there.

To explore why these issues matter I'm joined by Rob Harrison from Ethical Consumer to discuss whether a digital sales tax could work, why workers should be worried about using tech to manage them and whether an indiviual boycott will actually make any difference.

You can find links to the campaigns mentioned at becleverwithyourcash.com/cashchats169

ABOUT CASH CHATS

Cash Chats is presented by money blogger and broadcaster Andy Webb.

In 2020 the podcast was featured as one of the top finance podcasts by publications including Apple, Good Housekeeping, The Sun and the Independent.

In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Money Bloggers community 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.

Andy also runs the award-winning website Be Clever With Your Cash, presented Channel 5's Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email [email protected]

ANDY ON SOCIAL

Andy's handle is @AndyCleverCash and you can follow him over at:

twitter.com/AndyCleverCash

instagram.com/andyclevercash

GET ANDY'S WEEKLY NEWSLETTER

You'll also get a free Quidco bonus for signing up

https://becleverwithyourcash.com/newsletter/

MUSIC

The music is Easter Island by Lonely Punk and provided on a creative commons licence

No summer holidays? Covid's impact on our finances. TV Licence increase & more.

Your Money, This Week is my regular Friday bonus episode on the podcast that looks at the biggest personal finance and money news stories of the last seven days.

I'm joined for this one by Peter Komolafe from the Conversations Of Money podcast and channel and we look at topics including:

• The Government tell us not to book holidays
• The FCA's "Financial Lives" report looking at how Covid has hit our finances
• Amateurs making rookie investing mistakes
• Does the TV Licence offer value?
• Valentine's spending
• And more...

Read more about all of these stories on becleverwithyourcash.com/cashchats168

ABOUT CASH CHATS

Cash Chats is presented by money blogger and broadcaster Andy Webb.

In 2020 the podcast was featured as one of the top finance podcasts by publications including Apple, Good Housekeeping, The Sun and the Independent.

In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Money Bloggers community 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.

Andy also runs the award-winning website Be Clever With Your Cash, presented Channel 5's Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email [email protected]

ANDY ON SOCIAL

Andy's handle is @AndyCleverCash and you can follow him over at:

twitter.com/AndyCleverCash

instagram.com/andyclevercash

GET ANDY'S WEEKLY NEWSLETTER

You'll also get a free Quidco bonus for signing up

https://becleverwithyourcash.com/newsletter/

MUSIC

The music is Easter Island by Lonely Punk and provided on a creative commons licence

This week on the show I'm looking at why people are worried about negative interest rates, plus my picks of the best current and savings accounts.

Read more at becleverwithyourcash.com/cashchats167

* Please do tell a friend about the show if this saves you money. *

Read more:

• Best Current Accounts for 2021
• The best bank switching, cashback, interest & overdraft offers
• Top three savings accounts for 2021
• The best cash savings accounts

ABOUT CASH CHATS

Cash Chats is presented by money blogger and broadcaster Andy Webb.

In 2020 the podcast was featured as one of the top finance podcasts by publications including Apple, Good Housekeeping, The Sun and the Independent.

In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Money Bloggers community 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.

Andy also runs the award-winning website Be Clever With Your Cash, presented Channel 5's Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email [email protected]

ANDY ON SOCIAL

Andy's handle is @AndyCleverCash and you can follow him over at:

twitter.com/AndyCleverCash

instagram.com/andyclevercash

GET ANDY'S WEEKLY NEWSLETTER

You'll also get a free Quidco bonus for signing up

https://becleverwithyourcash.com/newsletter/

MUSIC

The music is Easter Island by Lonely Punk and provided on a creative commons licence

Your Money, This Week is a new regular Friday bonus episode on the podcast that looks at the biggest personal finance and money news stories of the last seven days.

I'm joined for this one by Clare Seal from My Frugal Year and we look at topics including:

• The new rules to clampdown on Klarna and other Buy Now Pay Later services
• The extra supermarket costs from lockdown
• Could furlough be extended?
• More small energy firm collapses
• New Ofcom rules to help broadband switching
• The spectre of negative interest rates

Read more about all of these stories on becleverwithyourcash.com/cashchats166

You can follow Clare on Instagram.

ABOUT CASH CHATS

Cash Chats is presented by money blogger and broadcaster Andy Webb.

In 2020 the podcast was featured as one of the top finance podcasts by publications including Apple, Good Housekeeping, The Sun and the Independent.

In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Money Bloggers community 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.

Andy also runs the award-winning website Be Clever With Your Cash, presented Channel 5's Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email [email protected]

ANDY ON SOCIAL

Andy's handle is @AndyCleverCash and you can follow him over at:

twitter.com/AndyCleverCash

instagram.com/andyclevercash

GET ANDY'S WEEKLY NEWSLETTER

You'll also get a free Quidco bonus for signing up

https://becleverwithyourcash.com/newsletter/

MUSIC

The music is Easter Island by Lonely Punk and provided on a creative commons licence

This week on the show I'm looking at the apps I actually use on my phone. From the best banking and money tracking apps through to ones that will help you put money aside and even earn some extra cash on the side.

Read more at becleverwithyourcash.com/cashchats165

* Please do tell a friend about the show if this saves you money. *

MORE LINKS

• How to pay in a cheque with your phone
• Curve review & £5 welcome code
• Auto-savings with Monzo
• Chip +1 savings account review
• Supermarket cashback apps compared
• Anytime Rewards review & welcome promo code
• Loyalty schemes compared

ABOUT CASH CHATS

Cash Chats is presented by money blogger and broadcaster Andy Webb.

In 2020 the podcast was featured as one of the top finance podcasts by publications including Apple, Good Housekeeping, The Sun and the Independent.

In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Money Bloggers community 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.

Andy also runs the award-winning website Be Clever With Your Cash, presented Channel 5's Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email [email protected]

ANDY ON SOCIAL

Andy's handle is @AndyCleverCash and you can follow him over at:

twitter.com/AndyCleverCash

instagram.com/andyclevercash

GET ANDY'S WEEKLY NEWSLETTER

You'll also get a free Quidco bonus for signing up

https://becleverwithyourcash.com/newsletter/

MUSIC

The music is Easter Island by Lonely Punk and provided on a creative commons licence

Your Money, This Week is a new regular Friday bonus episode on the podcast that looks at the biggest personal finance and money news stories of the last seven days.

I'm joined for this one by finance journalist Simon Read and we look at topics including:

• The tax self-assessment deadline
• A new bank from US giants Chase
• The GameStop trading madness
• A potential increase in the contactless limit
• Higher minimum repayments for Barclaycard customers
• People losing an average of £45,000 to clone scammers

Read more on these stories at becleverwithyourcash.com/cashchats164

* Please do leave a review and rating if this saves you money. *

ABOUT CASH CHATS

Cash Chats is presented by money blogger and broadcaster Andy Webb.

In 2020 the podcast was featured as one of the top finance podcasts by publications including Apple, Good Housekeeping, The Sun and the Independent.

In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Money Bloggers community 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.

Andy also runs the award-winning website Be Clever With Your Cash, presented Channel 5's Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email [email protected]

ANDY ON SOCIAL

Andy's handle is @AndyCleverCash and you can follow him over at:

twitter.com/AndyCleverCash

instagram.com/andyclevercash

GET ANDY'S WEEKLY NEWSLETTER

You'll also get a free Quidco bonus for signing up

https://becleverwithyourcash.com/newsletter/

MUSIC

The music is Easter Island by Lonely Punk and provided on a creative commons licence

This week it's another in my occasional money makeover series, this time looking at your TV bills - from premium satellite and cable services to the TV Licence fee to streaming subscriptions.

Potentially you could be saving hundreds and hundreds of pounds every year.

Read more:

https://becleverwithyourcash.com/should-you-ditch-the-tv-licence-for-other-tv-radio-and-online-services/

https://becleverwithyourcash.com/are-you-overpaying-for-an-old-sky-tv-package/

https://becleverwithyourcash.com/netflix-and-disney-increase-prices/

https://becleverwithyourcash.com/should-you-be-sharing-your-tv-streaming-subscription-passwords/

* Please do leave a review and rating if this saves you money. *

ABOUT CASH CHATS

Cash Chats is presented by money blogger and broadcaster Andy Webb.

In 2020 the podcast was featured as one of the top finance podcasts by publications including Apple, Good Housekeeping, The Sun and the Independent.

In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Money Bloggers community 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.

Andy also runs the award-winning website Be Clever With Your Cash, presented Channel 5's Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email [email protected]

ANDY ON SOCIAL

Andy's handle is @AndyCleverCash and you can follow him over at:

twitter.com/AndyCleverCash

instagram.com/andyclevercash

GET ANDY'S WEEKLY NEWSLETTER

You'll also get a free Quidco bonus for signing up

https://becleverwithyourcash.com/newsletter/

MUSIC

The music is Easter Island by Lonely Punk and provided on a creative commons licence

Your Money, This Week is a new regular Friday bonus episode on the podcast that looks at the biggest personal finance and money news stories of the last seven days.

I'm joined for this one by Kia Commodore (Pennies To Pounds), and we look at topics including:

• What the cancellation of Glastonbury means for live events and refunds
• How homeschooled kids can get unlimited data
• Good and bad news for first-time buyers
• The risks from following TikiTok investing advice

Read more on these stories at becleverwithyourcash.com/cashchats162

* Please do leave a review and rating if this saves you money. *

ABOUT CASH CHATS

Cash Chats is presented by money blogger and broadcaster Andy Webb.

In 2020 the podcast was featured as one of the top finance podcasts by publications including Apple, Good Housekeeping, The Sun and the Independent.

In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Money Bloggers community 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.

Andy also runs the award-winning website Be Clever With Your Cash, presented Channel 5's Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email [email protected]

ANDY ON SOCIAL

Andy's handle is @AndyCleverCash and you can follow him over at:

twitter.com/AndyCleverCash

instagram.com/andyclevercash

GET ANDY'S WEEKLY NEWSLETTER

You'll also get a free Quidco bonus for signing up

https://becleverwithyourcash.com/newsletter/

MUSIC

The music is Easter Island by Lonely Punk and provided on a creative commons licence