Cash Chats UK Money & Personal Finance podcast

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 can't afford it.

Debt & Shame

Clare's MyFrugalLife Instagram account

Clare's book Real Life Money from Amazon

Clare's book at Waterstones

How to quickly clear your credit card debt

Questions to ask to find out if your debts are a problem

Free and impartial debt support from StepChange

The Money Advice Service's Debt Advice Locator tool

Elsewhere on the blog

How to search price history and know if you're getting a good deal

The cheapest way to rent movies online and by post

Halifax Reward account to change: Is it any good?

More 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/

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.

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

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 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/

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.

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

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/

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. *

> 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

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/

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.

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

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/

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.

> 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

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/

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).

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

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/

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.

> 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

> Use your spending power for good

> Reduce food waste

> Savings accounts to beat inflation

> 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/

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.

> 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

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/

It's been a big day for your finances with a surprise interest rate cut followed by the Budget where the new government set out its financial plans for the year. I've taken a look at how both of these will impact you and your money.

Plus, important information about your sick pay rights if you get Covid-19 or have to self-isolate due to coronavirus.

> Budget 2020: What it means to you

> Savings, mortgages and debts: Will the interest rate cut affect me.. and you?

> 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/