On this week's show Damien and Andy discuss how to take advantage of the cuts to national insurance, which came into effect on 6th January, to improve your finances. Damien then explains why more people will be unaware that they will now have to pay tax on the interest earned on their savings. Damien explains who is impacted, when they need to pay and how to go about it. Finally, Damien discusses the importance of reflecting on past money failures and successes.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.

• The first ever Money to the Masses article
• What is the personal savings allowance (and how you can boost it by £5,000)
• How to fill gaps in your National Insurance record
• MTTM Podcast Episode 304 - Build your black book
• MTTM Podcast Episode 408 - Black book revisited
• Damien's Money MOT