Cash Chats UK Money & Personal Finance podcast

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 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 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

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 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

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 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 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

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 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 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

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 offer workaround

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 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 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.

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 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

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.

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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.

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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://debtcamel.co.uk/coronavirus-more-help-debts/

https://debtcamel.co.uk/debt-consolidation-avoid-these-five-errors/

Money to the Masses

https://moneytothemasses.com/

Elsewhere on Be Clever With Your Cash

The cheapest way to watch the restarted Premier League

Deals on Be Clever With Your Cash

Watch the other Lockdown Money Live sessions on YouTube

MUSIC

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

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 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 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 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 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 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/

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 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 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/