Cash Chats UK Money & Personal Finance podcast

In recent weeks and months, savings rates have been cut from 5% to 3% at TSB and 3% to 1% at Tesco, 5% Regular Savers have been axed at Nationwide, First Direct and HSBC, and the leading easy access savings account from Marcus fallen to 1.45%.

With less options available, Andy has shared where you can put your cash with interest that will beat inflation.

FURTHER READING

Cash savings to beat inflation

More about the Personal Savings Allowance

ABOUT CASH CHATS

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

In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards.

Cash Chats episodes go live twice a week. At the start of the week Andy is 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 on Thursday you can listen to a bonus "deals of the week" episode – a quick 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/

This week Andy shares how you can - Get £125 and six free cinema tickets - Find the cheapest copy of Philip Pullman's The Secret Commonwealth - Earn a bonus £2.50 from Quidco - Beat the NOW TV price increase - Buy £4.75 Odeon tickets - Get a £5 Amazon voucher

FURTHER READING

Links to all this week's offers over on Be Clever With Your Cash

Andy's video and article about bank switching

ABOUT CASH CHATS

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

In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards.

Cash Chats episodes go live twice a week. At the start of the week Andy is 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 on Thursday you can listen to a bonus "deals of the week" episode – a quick 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/

This week Andy has been joined by his money blogging friend Ken Okoroafor. Ken is a keen advocate of the FI and FIRE movements where people work hard to reach financial independence well before the normal retirement age. He tells Andy how he got started and shares what people can do if they want to start their own FI journey.

FURTHER READING

Andy's blog Be Clever With Your Cash can help you cut back and make your money go further

https://becleverwithyourcash.com/

Ken's blog The Humble Penny is full of ways to make more money

https://thehumblepenny.com/blog

ABOUT CASH CHATS

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

In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards.

Cash Chats episodes go live twice a week. At the start of the week Andy is 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 on Thursday you can listen to a bonus "deals of the week" episode – a quick 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 & GUESTS ON SOCIAL

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

twitter.com/AndyCleverCash

instagram.com/andyclevercash

Ken is @TheHumblePenny

https://twitter.com/TheHumblePenny

GET ANDY'S WEEKLY NEWSLETTER

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

https://becleverwithyourcash.com/newsletter/

Save on toys, beauty products, cinema tickets, supermarket shopping and more.

This week Andy's spotted nine top deals and offers you might want to take advantage of this weekend.

- Up to 20% off toys at Smyths - "Free" Lego Advent Calendar for new TopCashback customers - Free Costa Express hot drink on Tuesday - Boots Advantage Boost weekend from Friday - Space NK - £15 off when you spend £60 - £175 HSBC Bank switch offer is back - Will Aid is in November - Two Odeon tickets and movie rental credit for £7 - Free 90-day Tastecard trial - Extended until 1st October

FURTHER READING

https://becleverwithyourcash.com/deals-of-the-week-26th-september-2019/

ABOUT CASH CHATS

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

In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards.

Cash Chats episodes go live twice a week. At the start of the week Andy is often joined for friendly and accessible conversations by a member or friend the UK Money Blogger community to cover topics as diverse as freebies and investments. Then on Thursday you can listen to a bonus "deals of the week" episode – a quick 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/

Cash is no longer king. It's dying. New figures show 80% of sales are with a debit or credit card. Debit cards are most popular - 57% of sales according to the British Retail Consortium, but this is the first time credit card use has overtaken cash.

Is this a good thing? Cards definitely come with lots of benefits, but so do cards. So should we be worried about a cashless society? in this episode of the award-winning Cash Chats podcast, Andy has taken a look at the pros and cons of both cards and cash.

Plus news about why your contactless payments could be rejected, and a brief round-up of what to do if you have a Thomas Cook holiday.

FURTHER READING:

Contactless payment declined? You might just need to enter your PIN

Credit card spending overtakes cash for the first time (The Guardian)

Poorest areas hit hardest by loss of free cash machine (Which?)

The Big Issue goes contactless (Big Issue)

ABOUT CASH CHATS

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

In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards.

Cash Chats episodes go live twice a week. At the start of the week Andy is often joined for friendly and accessible conversations by a member or friend the UK Money Blogger community to cover topics as diverse as freebies and investments. Then on Thursday you can listen to a bonus "deals of the week" episode – a quick 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

This week, Andy shares deals about - A Christmas savings card hack - A free 90-day Tastecard trial - 75p Chocolate Oranges - Reduced to clear ice creams - Buy one get one half-price fish - Free beer!

FURTHER READING:

More on these over at https://becleverwithyourcash.com/deals-of-the-week-19th-september-2019/

ABOUT CASH CHATS

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

In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards.

Cash Chats episodes go live twice a week. At the start of the week Andy is often joined for friendly and accessible conversations by a member or friend the UK Money Blogger community to cover topics as diverse as freebies and investments. Then on Thursday you can listen to a bonus "deals of the week" episode – a quick 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

If you've only one bank account you not only run the risk of being locked out of your money, but you could be missing out on free cash and higher interest elsewhere.

This week on the podcast, Andy takes you through the reasons why you should open up more than one bank account. You don't need as many as him (15 at the latest count!), but having at least two or three can make a big difference to how you manage your money.

FURTHER READING: > The accounts that give you cashback on your bills > The best bank switching offers > The best cards for fee-free spending overseas > My 14 current accounts, and why I've got each one

ABOUT CASH CHATS

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

In 2019 it was awarded Best Money Blog at the SHOMOS - the UK Moneybloggers annual awards.

Cash Chats episodes go live twice a week. At the start of the week Andy is often joined for friendly and accessible conversations by a member or friend the UK Money Blogger community to cover topics as diverse as freebies and investments. Then on Thursday you can listen to a bonus "deals of the week" episode – a quick 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

Andy's back with savings on iPhones, The Handmaid's Tale sequel, free Amazon credit and more.

The big news this week was the unveiling of some very expensive new iPhones. We also had the long-awaited new book from Margaret Atwood, plus news of a price increase for NOW TV. Listen for more on these and more deals.

Read about the deals

Ways to save money on the new iPhone 11 and iPhone 11 Pro

The latest Apple iPhones can be preordered from the 13th September. They cost a lot of money, so here's how you can make sure you don't spend over the odds.

https://becleverwithyourcash.com/ways-save-money-new-iphone/

Cheapest way to get Margaret Atwood's The Testaments

I'm a big fan of The Handmaid's Tale, so I've been eagerly awaiting for this sequel. Its cover price is £20, but I've found how you can get it on the high street for £10, or online for £8.30. There's even the potential for you to get it free if you've never used a cashback site before.

https://becleverwithyourcash.com/book-offers-and-deals/

A potential £16 in free Amazon credit

There are currently three different offers which could get you free Amazon credit. The first ends on Sunday, and it's for Amazon Prime members who haven't streamed any TV or films yet. Do this to get a £5 off £20 spend voucher. The next two involved buying gift cards or topping up your account. If you're eligible you could get a £5 voucher and £6 credit.

https://becleverwithyourcash.com/latest-amazon-deals/

Another £150 bank switching offer

Following hot on the heals of RBS announcing a £150 offer last week, you can get the same deal if you switch to Natwest. Once more that includes existing as well as new customers. Sadly you can only take advantage of one of these switches.

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

Beat the NOW TV Entertainment pass price increase

In just under a month, the price of a month of channels such as Sky Atlantic and Sky One will go up by a quid. Yes it's not much, and it's still cheaper than getting Sky TV, but there are ways to save now, including a two-month gift card for a tenner. Here are all the latest NOW TV deals

https://becleverwithyourcash.com/now-tv-deal/

ABOUT CASH CHATS

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

Cash Chats is a twice-weekly podcast Andy hosts to help you with your finances. At the start of the week he's often joined for these friendly and accessible conversations by a member or friend the UK Money Blogger community to cover topics as diverse as freebies and investments. Then on Thursday you can listen to a bonus "deals of the week" episode – a quick 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

This week's episode is a little different, as Andy is joined around a table with fellow money bloggers to chew the fat on how we shop.

It's a universal topic - we all spend money - but we all do it in different ways. Whether we prefer the high street to online, choose to boycott certain retailers and how we cope with dodgy self-service machines are just some of the areas that cropped up during our chat.

THIS WEEK'S GUESTS ON SOCIAL

Twon blogs at thereverend.co.ukand can be found at https://twitter.com/TheReverendBlog

Sara blogs at debtcamel.co.uk and you can follow her at https://twitter.com/DebtCamel

Marie blogs at brokegirlinthecity.com and her Twitter account is https://twitter.com/brokegirlincity

ABOUT CASH CHATS

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

Cash Chats is a twice-weekly podcast Andy hosts to help you with your finances. At the start of the week he's often joined for these friendly and accessible conversations by a member or friend the UK Money Blogger community to cover topics as diverse as freebies and investments. Then on Thursday you can listen to a bonus "deals of the week" episode – a quick 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

This week Andy has news of:

• A big Tesco promotion for Clubcard members
• How to get £5 vouchers at M&S and H&M
• A new £150 bank switching bonus
• Massive discounts on garden, BBQ and picnic products
• An Amazon multibuy offer

READ MORE Read more about these deals in the links below (note - these deals come and go so if the info isn't on the links it's because the offer has ended).

Tesco Clubcard Prices promotion details https://becleverwithyourcash.com/tesco-clubcard/

How to get a Marks & Spencer or H&M voucher when you donate old clothes https://becleverwithyourcash.com/swap-old-clothes/

Andy's podcast on Second-hand September

£150 RBS bank switching offer details https://becleverwithyourcash.com/the-best-bank-switching-cashback-interest-offers/

Garden, BBQ and other summer item clearance deals https://becleverwithyourcash.com/diy-discounts/

Amazon Prime NOW multibuy offer details https://becleverwithyourcash.com/latest-amazon-deals/

UPDATES Any new deals I spot that came too late for this video will be over on Instagram or Twitter. Follow so you don't miss out.

Twitter - https://twitter.com/AndyCleverCash Instagram - https://instagram.com/andyclevercash

ABOUT CASH CHATS

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

Cash Chats is a twice-weekly podcast Andy hosts to help you with your finances. At the start of the week he's often joined for these friendly and accessible conversations by a member or friend the UK Money Blogger community to cover topics as diverse as freebies and investments. Then on Thursday you can listen to a bonus "deals of the week" episode – a quick rundown of the hottest offers from the last seven days.

ABOUT ANDY Andy Webb is a money blogger and journalist. He runs the award-winning website Be Clever With Your Cash, presents Channel 5's Shop Smart Save Money and writes every month for Reader's Digest. Andy also founded the community ukmoneybloggers.com.

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

Twitter - https://twitter.com/AndyCleverCash Instagram - https://instagram.com/andyclevercash