You’ve got a taste for luxury, but a bank balance that’s less than five-star. Holidays seem like an extravagance that’s beyond your means.Fear not: the It’s Your Money team is here to tell you how you can get away with getting away more often than you might think (and it doesn’t always mean taking the overnight coach).Sam and Laura draw on the expertise of Telegraph travel writer, Greg Dickinson, plus blogger and cheap travel expert, Chelsea Dickenson tells us how you’ve been booking your holidays the wrong way round all along…To get in touch, email [email protected] or phone our voicemail number at 07523 039447.And visit www.telegraph.co.uk/moneypodcast for more.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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Bit vulgar, isn’t it, asking if love makes you richer or poorer? Well -- the It’s Your Money podcast team have never shied away from some gritty realism.In this Valentine’s special, Sam and Laura poke about in the caverns of the heart and count the cost of finding The One, getting hitched and, when it all goes wrong, the inevitably messy divorce.Dating expert Hayley Quinn reveals the best way to snare a mate without breaking the bank, Sam exposes his own thriftiness with a cut-price wedding - and hot shot lawyer Sandra Davis give us her wisdom from handling divorce for the rich and famous - including Arsenal legend Thierry Henry and Princess Diana.To get in touch, email [email protected] or phone our voicemail number at 07523 039447.And visit www.telegraph.co.uk/moneypodcast for more.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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What if the alarm you snoozed this morning could be switched off for good?We are all taught retirement happens in our 60s and 70s after decades putting in the shifts at work. Wouldn’t it be better if you could enjoy all that time off while you’re young?A growing group of mavericks are using an extreme savings technique to hack the system and get the work-free life at just 40, or even earlier.This week on the It’s Your Money podcast, Laura and Sam spoke to Mr Money Moustache who did just that. He spills the beans on how he and his family beat our consumerist culture and still get to live in a beautiful house in Colorado. Could you stick to his strict rules to get rich fast and retire young?As an added bonus, Laura puts her money where her mouth is and opens up her bank accounts to reveal all and get a mini financial makeover from expert adviser Nick Earl. Find out if even despite her spendthrift ways she will be able to retire on more than cat food and crackers, and how you can use his advice to get your financial house in order.To get in touch, email [email protected] or phone our voicemail number at 07523 039447.And visit www.telegraph.co.uk/moneypodcast for moreSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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Stuck in a rut at work? Sure you deserve promotion but unsure how to build a case for more money and power? Or have a couple of nightmare interviews left you in need of a pep talk? We can help. This week we do what your school careers adviser never did, taking through the best (and worst) practice to ace interviews and how to avoid common pitfalls when trying to get promoted.  Laura and Sam hear from a career fairy godmother who builds successful candidates from the bottom up, and grill their own boss to find out the one thing that will never get you hired. To get in touch, email [email protected] or phone our voicemail number at 07523 039447. And visit www.telegraph.co.uk/moneypodcast for more.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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Everyone's heard of Bitcoin, but what actually is a "cryptocurrency"? Will this digital money replace the cash in our pockets, and can you get rich quick by buying now, or is the boom already over?We speak to someone who made life-changing sums by investing at the right time, and hear from a senior City investor who says buying Bitcoin is like betting on the horses, only less predictable.Sam and Laura also explain, step-by-step, how to get involved yourself - including a cautionary tale from someone who got seriously burned at the height of the craze.To get in touch, email [email protected] or phone our voicemail number at 07523 039447. And visit www.telegraph.co.uk/moneypodcast for moreOther useful links:What is Bitcoin: http://bit.ly/2PQipx9How to buy Bitcoin: http://bit.ly/2T7nrYnWhat tax you need to pay on cryptocurrency profits: http://bit.ly/2EJk9XYSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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Is your current account a force for good in the world?Do you want to invest in social issues close to your heart without losing your financial head?With the help of bank account guru Lisa Stanley, pensions expert Anne-Marie Williams, and by ethical fund manager Peter Michaelis, Sam and Laura unpack a few simple ways to be moral with your money.To get in touch, email [email protected] or phone our voicemail number at 07523 039447.And visit www.telegraph.co.uk/moneypodcast for moreOther useful links:https://shareaction.org/responsible-investment/ http://ethicalinvestment.org.uk/ https://good-with-money.com/   See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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So you want to be your own boss, master of your own time and talent? Quitting the 9-5 and going self-employed is the dream for many of us -- but it's a big leap, with implications for tax, earnings and job security. With the aid of accountant extraordinaire Julia Rosenbloom, first hand freelance experience from our very own producer Joel, and a burning question from Mandy of Oxford, we assess the pros and cons of self-employment, and the different ways in which you can go it alone.  To get in touch, email [email protected] or phone ourvoicemail number at 07523 039447. And visit www.telegraph.co.uk/moneypodcast for more. Other useful links  https://www.gov.uk/self-assessment-tax-returns https://www.gov.uk/working-for-yourselfSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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Not everyone you meet in the world of finance is to be trusted with your money.Some will tempt you with too-good-to-be-true investments offering "guaranteed" and sky-high returns.Others will tell bare-faced lies, and trick you into sending vast sums to their own bank accounts. You might think you'd never fall for a scam, but it is young, tech-savvy people who are actually most at risk from today's fraudsters.Luckily, Sam and Laura are on hand to help.With the aid of financial fraud fighter Jack "Buster" and hotshot investment lawyer Gareth Fatchett, this episode shows you how to spottoday's most insidious scams – and how to fight back if the worst does happen.To get in touch, email [email protected] or phone our voicemail number at 07523 039447.And visit www.telegraph.co.uk/moneypodcast for more.Other useful links and contact numbers:https://www.moneyadviceservice.org.uk/blog/how-to-report-scam-fraud Action Fraud - 0300 123 2040 and https://www.actionfraud.police.uk/contact-usThe Financial Conduct Authority - https://www.fca.org.uk/consumers  See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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You’ve worked hard and tucked away some savings. Now you want to make them grow -- but the world of investments seems confusing, risky, and hard to approach.Fear not: we're here to debunk the jargon, review the options, and get you ready to take on the stock market.In this episode, join Laura, Sam and investment experts Holly Mackay and Simon Clements as they explain how investing works, the easiest ways to get involved, and how to maximise your chances of growing your money.  To get in touch, email [email protected] or phone our voicemail number at 07523 039447.And visit www.telegraph.co.uk/moneypodcast for more.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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Buying a house is the single biggest transaction that most people will ever make. It’s stressful. It’s fraught. There’s lots of room for mistakes. For many people, it seems too big a challenge to even contemplate. But, with perseverance, planning and the benefit of some good advice, we’d like to show you that it may be closer than you think.  The Telegraph's personal finance podcast is back for a new series, and this time we're here to help you get through life's biggest money challenges, one step at a time. Financial journalists Sam Brodbeck and Laura Miller will be on hand over the next twelve episodes with a bumper course of no-nonsense explanation and expert advice on everything from investing in stocks and shares to dealing with bank fraud and going freelance -- and starting today with the big one: getting on the property ladder.  In this episode, join Laura, Sam and property expert Henry Pryor as they explain - in simple steps - how to save for a deposit, find the right mortgage, and avoid the painful mistakes that most first-time-buyers make.  To get in touch, email [email protected] or phone our voicemail number at 07523 039447.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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