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The Money To The Masses Podcast
Based on Podcast App listening data
The Money To The Masses Podcast episodes
- Money Vault - How to stop the 'Spending Spiral'
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives.
In this week's episode of The Money Vault, Damien and Andy revisit episode 395 from December 2022, where they discuss the Diderot effect, a psychological phenomenon that triggers a spiral of unnecessary overspending.
They share real-life examples, from home renovations to garden furniture, before outlining the practical steps you can take to identify and combat the spending trap.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
Resources:
- Sign up to our weekly newsletter
- 80-20 Investor (Free trial available)
Follow Money to the Masses on social media:
YouTube - https://www.youtube.com/moneytothemasses
Facebook - https://www.facebook.com/moneytothemasses
Instagram - https://www.instagram.com/moneytothemasses
Tik Tok - https://www.tiktok.com/@moneytothemasses
13 min - Ep 568 - Winners and Losers of the 2026 Autumn Budget
On this week's episode, we review the key announcements from the Autumn Budget and break down who the winners and losers are.
To see the full details, check out our article 'Autumn Budget 2026 roundup – Key points at a glance'
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
Follow Money to the Masses on social media:
YouTube - https://www.youtube.com/moneytothemasses
Facebook - https://www.facebook.com/moneytothemasses
Instagram - https://www.instagram.com/moneytothemasses
Tik Tok - https://www.tiktok.com/@moneytothemasses
You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
- Sign up to the weekly newsletter
- Autumn Budget 2026 roundup – Key points at a glance
- £100 Household Energy Payment announced in the Autumn Budget: What you need to know
- Gas standing charges to be scrapped – Will your energy bills go up or down?
- Chancellor ditches plans to slash Cash ISA allowance
- Pension Tax Allowance explained: How the Autumn Budget impacts retirees
- First-time buyers – How the Autumn Budget impacts you
- Cheapest fixed price energy tariffs
31 min - Money Vault - How to get your mortgage approved
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives.
In this week's episode of The Money Vault, Damien revisits episode 494 from February 2025, where he shares tips to improve your chances of getting a mortgage. He also shares a crucial update on the current mortgage market as of October 2026, including a recent Bank of England rule change that gives lenders more flexibility to offer higher income multiples.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
Resources:
- Sign up to our weekly newsletter
- 80-20 Investor (Free trial available)
- Bank of England scraps mortgage lending caps - What it means for you
- How much can you borrow for a mortgage?
- Mortgage broker
Follow Money to the Masses on social media:
YouTube - https://www.youtube.com/moneytothemasses
Facebook - https://www.facebook.com/moneytothemasses
Instagram - https://www.instagram.com/moneytothemasses
Tik Tok - https://www.tiktok.com/@moneytothemasses
23 min - Money Vault - Work-life balance tips that can improve your finances
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives.
In this episode of The Money Vault, Damien revisits episode 141 from August 2017 where he discusses the parallels between achieving a healthy work-life balance and developing a better relationship with money.
He also provides a modern update, looking at how the landscape has changed with the rapid advancement of artificial intelligence and how it presents both challenges and opportunities for our productivity and spending habits.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
Resources:
- Sign up to the weekly newsletter
- 80-20 Investor (Free trial available)
Follow Money to the Masses on social media:
YouTube - https://www.youtube.com/moneytothemasses
Facebook - https://www.facebook.com/moneytothemasses
Instagram - https://www.instagram.com/moneytothemasses
Tik Tok - https://www.tiktok.com/@moneytothemasses
16 min - Ep 567 - Mortgage help if you’re struggling & using the Eisenhower Matrix
On this week’s episode, Damien discusses the steps you can take if you are struggling with rising mortgage costs or are worried about future repayments. With fixed-rate deals increasing, he outlines the support available from lenders under the Mortgage Charter, explains how government schemes like Support for Mortgage Interest (SMI) operate, and highlightswhere to find free, independent debt advice if you get into financial difficulty.
Damien also discusses the 'Money Matrix', his adaptation of the Eisenhower Matrix designed to help you organise and prioritise your money tasks.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
Follow Money to the Masses on social media:
YouTube - https://www.youtube.com/moneytothemasses
Facebook - https://www.facebook.com/moneytothemasses
Instagram - https://www.instagram.com/moneytothemasses
Tik Tok - https://www.tiktok.com/@moneytothemasses
You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
- Sign up to our weekly newsletter
- Support for Mortgage Interest - What is it and do you qualify?
- Where to get free debt advice
- Speak to an expert - Best Mortgage Brokers in the UK
34 min - Money Vault - Two investment strategies for a falling market
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives.
In this episode of The Money Vault, Damien revisits episode 364 from April 2022 where he discusses two distinct investment strategies for navigating a falling stock market: averaging down and pound cost averaging.
Damien also examines the psychological pitfalls that can trap investors during a downturn, such as consistency bias, and the dangers of compounding losses by chasing falling share prices.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
Resources:
- Sign up to the weekly newsletter
- 80-20 Investor (Free trial available)
Follow Money to the Masses on social media:
YouTube - https://www.youtube.com/moneytothemasses
Facebook - https://www.facebook.com/moneytothemasses
Instagram - https://www.instagram.com/moneytothemasses
Tik Tok - https://www.tiktok.com/@moneytothemasses
12 min - Ep 566 - Damien’s best money insights & the most expensive home appliances to run
On this week’s episode, Damien shares ten of his favourite money insights, which he has recently shared on Threads & X. Andy and Damien discuss the psychology behind their financial decisions, why spending isn't the same as wealth, and how small changes to the way you think about money can improve your finances.
Finally, Damien and Andy reveal the 15 most expensive household electrical appliances to run, based on the latest energy price cap, including some surprising results that could help you cut your electricity bills.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
Follow Money to the Masses on social media:
YouTube - https://www.youtube.com/moneytothemasses
Facebook - https://www.facebook.com/moneytothemasses
Instagram - https://www.instagram.com/moneytothemasses
Tik Tok - https://www.tiktok.com/@moneytothemasses
You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
- Sign up to the weekly newsletter
- Take out a FREE TRIAL of 80-20 investor
- Most expensive appliances to run in 2026
33 min - Money Vault - The six hats for better decision making
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives.
In this episode of The Money Vault, Damien and Andy revisit episode 424 from July 2023 where Damien explains how you can make better financial decisions by focusing on the evaluation process rather than just the final outcome.
Drawing on the famous "Six Thinking Hats" concept created by Edward de Bono, Damien explains how viewing a complex money problem from six distinct perspectives can help you reach a more balanced, informed conclusion.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
Resources:
- Sign up to our weekly newsletter
- 80-20 Investor (Free trial available)
- Edward de Bono - Six Thinking Hats reference guide
Follow Money to the Masses on social media:
YouTube - https://www.youtube.com/moneytothemasses
Facebook - https://www.facebook.com/moneytothemasses
Instagram - https://www.instagram.com/moneytothemasses
Tik Tok - https://www.tiktok.com/@moneytothemasses
13 min - Money Vault - How to make better money decisions
Welcome to the Money Vault, the midweek show where Damien and Andy revisit some classic, evergreen episodes from the Money to the Masses archives.
In this episode of The Money Vault, Damien and Andy revisit a 2019 episode where Damien explains how to make better financial decisions by focusing on the process rather than the outcome.
He explains the psychological concept of 'outcome bias' and how judging a decision solely by its result can lead to loss aversion and poor investment choices. Using clear examples, he shows why a robust, objective process is essential for long-term financial success, even amid short-term market uncertainty.
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
Resources:
- Sign up to our weekly newsletter
Follow Money to the Masses on social media:
YouTube - https://www.youtube.com/moneytothemasses
Facebook - https://www.facebook.com/moneytothemasses
Instagram - https://www.instagram.com/moneytothemasses
Tik Tok - https://www.tiktok.com/@moneytothemasses
23 min - Ep 565 - How to build a cash ladder & discovering your money script
On this week’s episode, Damien takes Andy through a financial personality test to uncover his 'money script'. He discusses the four main types of money beliefs, how they influence your financial behaviour, and the practical steps you can take to manage them.
Finally, he explains how current interest rate expectations make it the perfect time to build a cash savings ladder and how you can use the strategy to boost the interest you earn on your savings without locking all your money away long term.
[AD] Thank you to our sponsor, Interactive Investor
New customers can receive £150 in free trades when they open an Interactive Investor Trading Account before 30th September 2026. Terms & fees apply. Capital at risk. https://moneytothemasses.com/redir/ii-podcast
Check out this week's podcast article on the Money to the Masses website to see the full list of resources from this week's show.
Follow Money to the Masses on social media:
YouTube - https://www.youtube.com/moneytothemasses
Facebook - https://www.facebook.com/moneytothemasses
Instagram - https://www.instagram.com/moneytothemasses
Tik Tok - https://www.tiktok.com/@moneytothemasses
You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.
Support the show by visiting and bookmarking our dedicated podcast page:
Money to the Masses Dedicated Podcast Page - Click to support the show
Links referred to in the podcast:
- Sign up to our weekly newsletter
- How to use a cash savings ladder
- Best cash savings platforms in the UK
35 min
About The Money To The Masses Podcast
From the publisher's feed
Join Damien and Andy as they break down personal finance topics including investing, saving, budgeting and more, giving you the tools and knowledge to achieve your financial goals
Each week, they cover three topics, cutting through unnecessary financial jargon, providing practical tips and actionable advice to help you make the most of your money.
To provide feedback or ideas for future shows, contact: [email protected] or visit https://moneytothemasses.com
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