Cash Chats is one of the top money and personal finance podcasts in the UK.
Hosted by award-winning broadcaster Andy Webb, founder of BeCleverWithYourCash.com and deputy editor Amelia Murray, the show will help you save, make and manage money here.
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This week on Cash Chats, host Steve Alderton and Editor of BeCleverWithYourCash.com James Andrews talk about gold! As the price of gold reached a high of over £4,000 an ounce in March this year, we look at why we've seen this spike in the price, where all the gold is and how you can buy some. This weeks episode is sponsered by the investing platform Wealthify For links and further reading head to becleverwithyourcash.com/cashchats ABOUT CASH CHATS Cash Chats is the award-winning podcast brought ...
This week on Cash Chats, host Steve Alderton and Editor of BeCleverWithYourCash.com James Andrews talk about inheritance tax and how from April 2027, the pension and death benefits will become part of the deceased's estate. We'll look at how many this will affect, why it's happening and what you can do to beat it - even if you're not a millionaire! For links and further reading head to becleverwithyourcash.com/cashchats ABOUT CASH CHATS Cash Chats is the award-winning podcast brought to you by t...
This week on Cash Chats, host Steve Alderton and Editor of BeCleverWithYourCash.com James Andrews talk about the £12 billon that savers moved in to Cash ISAs in April. Where has that money come from, why the shift in saving habits and where you can get the best ISA rate. For links and further reading head to becleverwithyourcash.com/cashchats ABOUT CASH CHATS Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates ...
This week on Cash Chats, host Steve Alderton and Editor of BeCleverWithYourCash.com James Andrews talk about the recent hike to the energy price cap. They cover why we have a cap, what influences it and how to save on your energy bills. For links and further reading head to becleverwithyourcash.com/cashchats ABOUT CASH CHATS Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates from the world of personal finance ...
This week on Cash Chats, host Steve Alderton and money expert James Andrews talk about how 15 million working people in the UK are undersaving for their retirement. We hear how and why we got to this point and what we can all do to make sure our pension pot is in as good a shape as possible. For links and further reading head to becleverwithyourcash.com/cashchats ABOUT CASH CHATS Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharin...
This week on Cash Chats, host Steve Alderton and money expert James Andrews talk about the declining use of cash, what we spend it on and when currency gets complicated. For links and further reading head to becleverwithyourcash.com/cashchats ABOUT CASH CHATS Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates from the world of personal finance and helping you to navigate the everyday money challenges we all fa...
Delve into the fascinating world of Premium Bonds, uncovering their history from William Gladstone's Post Office Savings to their controversial launch in 1956. The hosts explain how Premium Bonds work, contrasting their use of public funds with the National Lottery, and examining the government's role in setting prize rates. A highlight includes a detailed comparison of Premium Bonds against investing ISA interest into lottery tickets, revealing surprising odds for becoming a millionaire. The episode also debunks common myths, introduces "Agent Million," and explains the incredible technology of Ernie, concluding with an assessment of whether these popular savings products are truly "worth it."
Hosts discuss the Bank of England's Monetary Policy Committee and its goal of maintaining 2% inflation, explaining the underlying economic theories and why they sometimes fall short in the face of global events like wars and supply chain issues. The conversation delves into the concept of stagflation and its terrifying implications for governments and individuals, highlighting the "illusion of control" policymakers often face. Listeners also gain insight into how rate changes impact personal finances, particularly mortgages and savings, alongside predictions for future rates and actionable strategies to protect their money.
Host Steve Alderton and expert James Andrews delve into how Klarna, a Buy Now Pay Later service, operates, particularly its revenue model from merchants rather than consumers. They examine the ease with which users can accumulate debt, the recent changes in credit reporting, and the psychological allure of immediate gratification. The discussion culminates in a detailed comparison, highlighting why traditional credit cards often offer superior protection and benefits over Klarna, despite its convenience.
Hosts Steve Alderton and James Andrews discuss the new council tax payment rules, which offer more breathing room but fail to address the system's inherent 'grotesque' nature. They delve into the tax's origins post-Poll Tax, its outdated property valuations, and the striking paradox of rich London boroughs paying less than poorer areas. The episode also provides advice on challenging your tax band and seeking discounts, concluding with a strong call for fundamental reform of this regressive tax system.
This episode delves into the significant car finance scandal, detailing how dealers manipulated interest rates through discretionary commissions, affecting over 12 million people. Hosts Steve and James discuss the rise of Personal Contract Purchases, the lack of transparency in total costs, and James's personal experience. They offer essential advice on navigating the compensation process directly through the FCA and reflect on how the modern 'subscription economy' impacts car ownership and debt.
New hosts Steve Alderton and James Andrews discuss the perennial dilemma of saving versus investing. They examine the UK's unique saving mentality, the government's attempts to shift people towards investments for economic growth, and a critical look at whether these policies are effective. The conversation covers how technology is making investing more accessible, the importance of diversification and long-term commitment to manage risk, and practical tips for navigating ISA rules and avoiding liquidity pitfalls, ultimately guiding listeners to choose the right financial tool based on their specific goals and timelines.
In his concluding episode as host, Andy Webb clarifies how UK tax bands operate, detailing personal allowances, basic, higher, and additional rates, and addressing the impact of fiscal drag. He also provides a comprehensive guide to the 2026/27 ISA allowances, including future rule changes and best practices for tax-free savings and investments. Andy shares reflections on the podcast's 10-year history and introduces the new hosts.
This episode guides listeners through optimizing their money abroad with a review of top debit and credit cards, including multi-currency options. It then dives into the new HBO Max streaming service, explaining its content, subscription tiers, and various access methods, including bundle deals and strategic tips for saving money. Finally, the episode highlights two significantly boosted American Express welcome bonuses for the Gold and Platinum cards, providing a detailed breakdown of eligibility, spending requirements, and maximizing their value.
Andy Webb discusses significant financial updates, including lucrative bank switching bonuses from Barclays and Lloyds, alongside critical warnings about using Chase as a 'dummy' account. The episode provides a comprehensive guide on navigating train delay refunds, detailing the claims process and recent policy changes. Finally, it delves into Sky TV's new streaming bundles, comparing their value against a flexible, DIY streaming strategy to save money on entertainment.
This episode delves into the top credit cards for 2026, covering lucrative welcome bonuses, 0% purchase and balance transfer options, and cards for building credit or spending overseas. It also provides a detailed examination of how bank switching can affect your credit score, discussing the impact of opening and closing accounts, hard credit checks, and joint accounts, offering advice on navigating these financial decisions responsibly.
Andy Webb details new current account switching deals, including offers from iFast, Barclays, and NatWest, and updates on existing incentives. The episode also delves into significant changes to Lifetime ISAs, exploring their impending replacement with a first-time buyer-focused product and advising listeners on whether to continue saving into them for either homeownership or retirement, emphasizing the importance of workplace pensions.
This episode explores practical ways to reduce streaming costs by identifying unused services, optimizing duplicates, and using cancellation tricks. It also provides essential advice for securing and responsibly managing a first credit card, focusing on building a strong credit score and avoiding interest to improve long-term financial health.
This episode delves into Andy Webb's personal finance strategies for 2026, revealing his preferred credit and debit cards like the Amex Platinum and PayPal Plus for maximizing rewards and security. The discussion then shifts to a comprehensive analysis of Buy Now Pay Later (BNPL) services, exploring their convenience for certain purchases but also warning about the hidden debt, potential for overspending, and negative impact on credit scores and mortgage applications. The episode concludes by offering regulated alternatives and resources for debt management.
Andy Webb presents key personal finance insights, starting with creative ways to set up direct debits quickly, essential for maximizing bank switching offers and rewards. He then offers actionable strategies to curb unplanned spending, from identifying triggers to implementing financial barriers. The episode concludes with a detailed update on the savings market, covering Bank of England forecasts, FSCS protection changes, and the top easy access, fixed, ISA, and regular saver rates available.
Andy shares the latest current account switching bonuses, including opportunities from HSBC, TSB, and others, plus refer-a-friend schemes and prize draws. He then explores the relevance of cash ISAs in 2026, breaking down personal savings allowances, the impact of fiscal drag, and how new ISA rules in 2027 will affect savings and investments. Finally, he outlines the essential criteria Nationwide customers must meet to secure the annual Fairer Share bonus.
Explore the best UK savings accounts for 2026, featuring a deep dive into easy access options like the Santander Edge Saver, plus regular savers for new monthly deposits, fixed-term accounts for longer-term goals, and tax-efficient strategies for higher earners. The episode also fully explains a new £250 Lloyds Bank switching bonus, detailing eligibility, account requirements, benefits of Club Lloyds, and specific guidance for existing customers, including how to potentially get an extra £50.
This episode of Cash Chats provides a comprehensive guide to the top bank accounts and cashback cards for 2026. Andy Webb details options for spending, bills, savings, and ethical banking, alongside advice on leveraging bank switching offers. He also reviews the best cashback and reward debit and credit cards, including American Express, Visa/Mastercard options, and specialized retailer cards, ensuring listeners make the most of their money.
In its 500th episode, Cash Chats with Andy Webb provides essential tips for mastering personal finance in 2026. The episode outlines strategies from making intentional financial choices and optimizing products to understanding your spending baseline and planning purchases in advance. It also explores how to find true value, enjoy luxuries for less, and passively earn money, all while avoiding the trap of extreme cheapness, empowering listeners to make their money work harder for them.
Andy Webb shares significant news for Be Clever With Your Cash, transitioning to part-time from 2026 after 12 years. He introduces James Andrews, an experienced editor, as his day-to-day replacement, who will lead the editorial team alongside Zoe and Amelia. Andy will continue creating content as an "editor at large," focusing on YouTube, articles, and the Cash Chats podcast, ensuring the platform's commitment to independent, high-quality financial advice remains unchanged. He thanks the community, highlighting the massive impact of their content in helping millions save money.
Andy Webb demystifies the complexities of credit scores, explaining why they differ across agencies and how new Experian scoring impacts users. He then tackles supermarket frustrations, offering smart strategies to save money amid constant reorganizations. Finally, the episode dives deep into Premium Bonds, sharing real-life 2025 winnings from £50k investments and comparing them against easy-access savings rates after accounting for tax, providing clarity on their true value.
This episode covers diverse personal finance topics, including Andy's strategies for saving hundreds on books by avoiding Amazon, using libraries, and finding deals. It provides a comprehensive last-minute Christmas checklist for deliveries, gifting, travel, and food planning. The discussion also delves into the importance of ethical banking, urging listeners to consider how their money is invested by banks, and offers recommendations for responsible financial providers. Finally, Andy passionately advocates for mobile phone protection and shares vital security tips to safeguard both your device and your financial data.
This episode covers December's banking updates, including improved bank switching deals from Santander and First Direct, and new cashback cards like PayPal Plus. It details the increased FSCS protection to £120,000 for bank and savings accounts. The episode also provides comprehensive guidance on consumer rights when returning items, covering faulty goods, changing your mind, and payment protection.
Andy Webb explains the key announcements from Labour's 2025 Autumn budget, detailing significant changes to cash ISA allowances, personal savings and dividend taxes, and the extended freeze on income tax thresholds. The episode also covers updates to pensions, new property levies, and changes impacting transport, energy bills, and other cost of living measures, offering a comprehensive overview of financial adjustments for the coming years.
Andy Webb discusses significant money-saving opportunities including enhanced American Express Platinum and Gold card welcome offers, perfect for holiday spending. He shares essential tips for Black Friday, covering price matching techniques across various retailers and leveraging price history tools to ensure genuine discounts. Additionally, the episode introduces the new PayPal Plus debit card, detailing its cashback rewards, tier-based benefits, and crucial considerations for maximizing its value while safeguarding consumer protections.
