Cash Chats UK Money & Personal Finance podcast

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. *

• 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

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 Save Money and founded the community ukmoneybloggers.com. To contact Andy email [email protected]

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

twitter.com/AndyCleverCash

instagram.com/andyclevercash

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

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. *

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/

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 Save Money and founded the community ukmoneybloggers.com. To contact Andy email [email protected]

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

twitter.com/AndyCleverCash

instagram.com/andyclevercash

instagram.com/clevercashdeals

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

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. *

My updated article with the best savings accounts

https://becleverwithyourcash.com/cash-savings-beat-inflation/

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 Save Money and founded the community ukmoneybloggers.com. To contact Andy email [email protected]

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

twitter.com/AndyCleverCash

instagram.com/andyclevercash

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

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. *

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

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 Save Money and founded the community ukmoneybloggers.com. To contact Andy email [email protected]

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

twitter.com/AndyCleverCash

instagram.com/andyclevercash

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

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. *

My best credit card offers and promotions article on the blog

https://becleverwithyourcash.com/the-best-bank-switching-cashback-interest-offers/

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 Save Money and founded the community ukmoneybloggers.com. To contact Andy email [email protected]

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

twitter.com/AndyCleverCash

instagram.com/andyclevercash

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 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. *

> 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

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 Save Money and founded the community ukmoneybloggers.com. To contact Andy email [email protected]

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

twitter.com/AndyCleverCash

instagram.com/andyclevercash

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

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. *

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

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 Save Money and founded the community ukmoneybloggers.com. To contact Andy email [email protected]

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

twitter.com/AndyCleverCash

instagram.com/andyclevercash

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

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. *

• 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)

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 Save Money and founded the community ukmoneybloggers.com. To contact Andy email [email protected]

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

twitter.com/AndyCleverCash

instagram.com/andyclevercash

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

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. *

> 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/

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 Save Money and founded the community ukmoneybloggers.com. To contact Andy email [email protected]

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

twitter.com/AndyCleverCash

instagram.com/andyclevercash

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

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. *

BLOG: My roundup of the different accounts

https://becleverwithyourcash.com/cash-savings-beat-inflation/

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 Save Money and founded the community ukmoneybloggers.com. To contact Andy email [email protected]

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

twitter.com/AndyCleverCash

instagram.com/andyclevercash

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