Cash Chats UK Money & Personal Finance podcast

This month the charity Oxfam is encouraging us to stop buying new clothes and just shop second-hand in September.

The reason? Well there are a few, but the environmental impact of fast fashion is right up the top. Around 11 million items of clothing are added to landfill every WEEK in the UK, while it takes 20,000 litres of water to make a pair of jeans and a t-shirt (that's enough to keep a person well hydrated for 13 years!).

Of course, shopping second-hand (or not at all) also has some benefits to your bank balance, so it's a great topic for this week's episode where I'm joined by two members of the UK Money Bloggers community - Hollie Hutchinson and Faith Archer.

We discuss why they are getting involved in the campaign, how to find second-hand clothes, whether charity shops are more for women than men, and why it's not just "dead man's clothes".

FURTHER READING:

The Oxfam #SecondHandSeptember hub

https://oxfamapps.org/secondhandseptember/

Hollie's guide to taking part in #SecondHandSeptember

https://thriftymum.com/uncategorized/take-part-secondhandseptember/

Faith's blog about how she's taking part

https://www.muchmorewithless.co.uk/second-hand-september/

Andy's guide to finding bargain second-hand clothes

https://becleverwithyourcash.com/how-to-find-bargain-second-hand-clothes/

The UK Money Blogger's community article about why many are getting involved

https://ukmoneybloggers.com/second-hand-september-why-uk-money-bloggers-are-getting-involved/

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 & GUESTS ON SOCIAL

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

twitter.com/AndyCleverCash

instagram.com/andyclevercash

Faith is @MuchMore_Less on Instagram and Twitter

instagram.com/muchmore_less/

twitter.com/MuchMore_Less

Hollie is @ThriftyMumCom on Twitter and @ThriftyMum on Instagram

instagram.com/thriftymum/

twitter.com/ThriftyMumCom

The best deals you can get right now – get them before they go!

This week find out how to:

• Get an Amazon Echo for £55
• How students can save at Apple and Amazon
• Get a free cheeseburger
• Use Clubcard points at NOW TV
• Save £29 on Spotify Premium
• Get £10 movie rental credit and a cinema ticket for £5.99

Read about these deals Free Argos £5/£10 voucher and Amazon Echo deal stack

Until midnight Thursday 29th August you can get a free £5 voucher when you spend £50 at Argos, and a £10 voucher when you spend £100. Obviously only buy things you want, but it's a good opportunity to get an extra saving on some already reduced items, including an Amazon Echo speaker. These are down from £89.99 to £59.99 (matching the price you'll see in Amazon's End of Summer sale).

The best student discounts, offers and deals

Though the hack for anyone to get a student discount closed a year ago, I know many of you will still have your cards – or you might actually be about to go to university. For all of you I've updated the best discounts you can get with an NUS/Totum card, including free Beats headphones and 10% off Macs with Apple and six months free Amazon Prime.

NOW TV credit is now on Tesco Clubcard

This year hasn't been great for Clubcard points with the removal of Red Spotted Hanky and Uber from the scheme. However this week NOW TV was added, meaning you can get £1.50 of credit to spend on the streaming service for every 50p you have in Clubcard points.

Free cheeseburger at McDonald's

Download the McD's app and you can nab a free cheeseburger.

Three months Spotify Premium for 99p

New users can get three months of advert-free listening on Spotify for just under a quid, saving them close to £30.

£10 video rental credit & Odeon ticket for £5.99

This offer on Groupon is due to end on the 31st August. You get £10 credit to spend at online streaming service Chili and a cinema ticket. New Groupon users can save a further 20% with the code WELCOME.

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 Webb brings you seven hot money saving offers and deals from the last seven days. This week find out how to:

- See a film for "free" this weekend - Get five Odeon tickets for £20 - Eat up some National Burger Day deals - Save on Amazon devices - Travel by train for 10p - Get a free £15 for opening a bank account - Watch Sky Sports for 10 months for £20 a month

FURTHER READING:

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).

National Lottery Cinema Day https://becleverwithyourcash.com/cheap-cinema-ticket/

Groupon Odeon offer https://becleverwithyourcash.com/cheap-cinema-ticket/

National Burger Day deals https://becleverwithyourcash.com/food-deals/

Amazon's End of Summer Sale https://becleverwithyourcash.com/latest-amazon-deals/

Northern Rail flash sale https://becleverwithyourcash.com/latest-travel-deals/

Monese £15 sign up offer: https://becleverwithyourcash.com/the-best-bank-switching-cashback-interest-offers/

NOW TV's Sky Sports season pass https://becleverwithyourcash.com/cheapest-way-to-watch-sky-sports/

ABOUT ANDY Andy Webb runs the award-winning website Be Clever With Your Cash, presents Channel 5's Shop Smart Save Money and founded the community ukmoneybloggers.com.

ANDY ON SOCIAL

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

twitter.com/AndyCleverCash

instagram.com/andyclevercash

Monzo, Starling, Revolut and others are part of a new raft of digital banks you can only open and manage from your smartphone. They're becoming increasingly popular, often with a cult-like following from largely millennial customers - something you never see with traditional banks. Probably the most loved is Monzo, which is leading the bunch with more than 2.6 million customers and growing fast.

Many people open one of these accounts for the incentive of fee-free spending overseas, but other people swear by the features that help you budget and keep track of your spending.

But these banks still face challenges. Monzo asked 20% of its users to change their pins a few weeks ago, while some have faced payment problems and others gone out of business. And not all these new "banks" are actually banks!

With lots to talk about, your host Andy Webb has been joined by Moneywise deputy editor Edmund Greaves to talk through how they are different from the traditional banks, and whether your money is safe.

FURTHER READING:

Read more about the banks and apps discussed in this week's episode:

Andy's review of Monzo (Be Clever With Your Cash)

Monzo launches short term loans (The Guardian)

The digital banking revolution is here. So why are so few people putting their salaries into app-only bank accounts? (Moneywise)

Spying, defections and regrets: Inside the bitter feud between Starling Bank and Monzo (The Telegraph)

Switching bonuses, cashback and interest offers from high street banks (Be Clever With Your Cash)

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 money saving 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]

SOCIAL LINKS

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

twitter.com/AndyCleverCash

instagram.com/andyclevercash

Ed is @edgreave on Twitter

twitter.com/edgreav

Andy Webb brings you five hot deals from the last seven days. This week find out how to

• Watch Quentin Tarantino's Once Upon A Time In Hollywood AND three other movies this month for £9.99
• Get a £5 Amazon voucher for watching TV
• Recycle old Body Shop bottles for a £5 reward
• Switch bank for a £175 bonus
• Save 25% on ANY wine and fizz at the supermarket

FURTHER READING:

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).

Mubi Go cinema offer: Latest cheap cinema tickets offers and deals (August 2019)

Amazon Prime £5 for streaming video: Amazon vouchers & deals (August 2019)

Body Shop recycling scheme: Latest beauty and makeup deals

HSBC £175 switching offer: The best bank switching, cashback and interest offers (August 2019)

Tesco 25% off when you buy six or more bottles of wine: Latest beer, wine and spirits offers and deals

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

Andy is joined by Sara Williams from the Debt Camel blog to discuss why an overdraft could be costing you more than you expect, and how changes on the way to simplify charges could be good or bad news for your bank balance. Plus, a few ways to bring down your overdraft.

FURTHER READING:

Sara blogs at Debtcamel.co.uk. Here are a few of her articles on overdrafts:

• Overdrafts – a hard type of debt to clear

• Will new rules on overdraft fees help you? Will simpler mean lower?

ABOUT CASH CHATS

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

Andy 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

@AndyCleverCash

twitter.com/AndyCleverCash

instagram.com/andyclevercash

Andy Webb has been hunting for more special offers and deals to save you cash. This week:

• Save at the cinema every day of the week with a Tastecard
• Free bike hire in London
• Trick for Natwest customers to get 10 months of Sky Sports for £149
• Free £125 John Lewis gift card for big spenders
• A chance to get £15 tickets to Fleabag in the West End
• £10 Amazon gift card for people signing up to auto-switching service Look After My Bills

FURTHER READING

Here are the links to all these deals over at Be Clever With Your Cash. (Note - these pages are updated regularly so if you're listening to this episode more than a week after the initial broadcast you might find some of the deals have changed).

TASTECARD CINEMA TRICK

https://becleverwithyourcash.com/cash-hack-no-6-cheap-cinema-tickets-with-1-tastecard-trial/

FREE SANTANDER CYCLE HIRE

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

SKY SPORTS / NATWEST HACK

https://becleverwithyourcash.com/cheapest-way-to-watch-sky-sports/

JOHN LEWIS VOUCHER OFFER

https://becleverwithyourcash.com/gift-card-voucher-deals/

£15 FLEABAG LOTTERY

https://becleverwithyourcash.com/latest-theatre-deals-discounts/

£10 AMAZON VOUCHER FOR ENERGY SWITCHING

https://becleverwithyourcash.com/should-you-use-an-automatic-energy-switching-service/

ANDY ON SOCIAL

Do let Andy know if you grab any of these deals!

https://twitter.com/AndyCleverCash

The 2019/20 football season has begun! But being a fan isn't cheap. In this episode money-saving geek Andy Webb has had a look at how you can cut the price you pay to watch football on Sky, BT and Amazon, how to get the best value tickets for live games and few tricks to help save money on football shirts.

You can read more about everything Andy speaks about over at https://becleverwithyourcash.com/cashchats86/

Andy is always searching for the best money-saving deals and offers, and in this weekly bonus episode, he shares some of the key ones from the last seven days.

This week Andy has info on:

• Free £10 or £5 Argos vouchers when you shop
• a 20% off Habitat code
• 30-day trials for £1 with kids membership services
• Free West End theatre tickets for the kids
• A free pint or gin at the pub

All the links can be found over at https://becleverwithyourcash.com/

If you're going away this summer Andy shares what you need to do to get the best exchange rate possible. From which credit and debits cards are good to use through to how to get the most foreign currency for your cash.

Show notes and links over at https://becleverwithyourcash.com/cashchats85/