Cash Chats UK Money & Personal Finance podcast

So the latest figures show that the UK economy is officially in recession, with a whopping 20.4% contraction in the last quarter. In this week's episode I explain what that means and what impact that's likely to have on all of us. Plus the things we can do with our money to help weather the storm. * Please do leave a review and rating if this saves you money. * FURTHER READING The latest ONS figures and charts on the UK economy entering recession My Money Makeover series on YouTube ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podcast has been featured as one of the top finance podcasts by Apple, Good Housekeeping and the Independent. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. On each Cash Chats episode you can hear Andy share ways to get the most from your money. He's often joined for friendly and accessible conversations by a friend from the UK Money Blogger community to cover topics as diverse as freebies and investments. Then at the end of each week stay tuned for a bonus "deals of the week" 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 Andy@Becleverwithyourcash.com ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence

With more people facing redundancy or starting their own side-hustles it's important to know just what going self-employed entails. I've been joined by David Thomas to discuss when to do it, when you're likely to make money, how to manage your finances and more. Don't forget to join the Cash Chats community on Facebook for more from this conversation. * Please do leave a review and rating if this saves you money. * FURTHER READING David Thomas Media - resources, courses and more Best free business bank accounts Halifax Reward current account review > Deals of the week ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podcast has been featured as one of the top finance podcasts by Apple, Good Housekeeping and the Independent. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. On each Cash Chats episode you can hear Andy share ways to get the most from your money. He's often joined for friendly and accessible conversations by a friend from the UK Money Blogger community to cover topics as diverse as freebies and investments. Then at the end of each week stay tuned for a bonus "deals of the week" 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 Andy@Becleverwithyourcash.com ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence

With more job losses announced every day, and many more likely to happen as furlough begins to tail off, there's talk of 10% unemployment this year. That means there's a strong possibility we're all going affected personally. So it's really important we understand how redundancy works. To help, I've been joined in this episode by employment lawyer Jodie Hill. We talk about what your entitlements are for notice and pay, how people are selected for redundancy, whether furlough will effect how much you'll get, what consultancy is, whether you'll get more if you volunteer to leave and much more. Don't forget to join the Cash Chats community on Facebook. * Please do leave a review and rating if this saves you money. * FURTHER READING Thrive Law news (Jodie's practice) Jodie on Twitter ACAS website Calculate your statutory redundancy pay Turn To Us guide to redundancy & benefits Deals of the week ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podcast has been featured as one of the top finance podcasts by Apple, Good Housekeeping and the Independent. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. On each Cash Chats episode you can hear Andy share ways to get the most from your money. He's often joined for friendly and accessible conversations by a friend from the UK Money Blogger community to cover topics as diverse as freebies and investments. Then at the end of each week stay tuned for a bonus "deals of the week" 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 Andy@Becleverwithyourcash.com ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence

If you were too ill to work or died suddenly, how would your family pay the bills? This week I'm joined by my friend Kara Gammell, a personal finance journalist and money blogger. She's passionate about spreading the word on protection insurance - from critical illness cover through to life assurance, so I thought she'd be the perfect person to help give some insight into why many of you should probably get it. Don't forget to join the Cash Chats community on Facebook. * Please do leave a review and rating if this saves you money. * FURTHER READING > Your Best Friend's Guide to Cash (Kara's blog) > Income Protection Task Force > Do you need income protection insurance (Money Advice Service) > Deals of the week ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podcast has been featured as one of the top finance podcasts by Apple, Good Housekeeping and the Independent. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. On each Cash Chats episode you can hear Andy share ways to get the most from your money. He's often joined for friendly and accessible conversations by a friend from the UK Money Blogger community to cover topics as diverse as freebies and investments. Then at the end of each week stay tuned for a bonus "deals of the week" 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 Andy@Becleverwithyourcash.com ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence

I've been joined this week by friend and money coach Catherine Morgan to talk about money personalities. * Please do leave a review and rating if this saves you money. * FURTHER READING > Catherine's Money Personality Quiz > Deals of the week ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podcast has been featured as one of the top finance podcasts by Apple, Good Housekeeping and the Independent. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. On each Cash Chats episode you can hear Andy share ways to get the most from your money. He's often joined for friendly and accessible conversations by a friend from the UK Money Blogger community to cover topics as diverse as freebies and investments. Then at the end of each week stay tuned for a bonus "deals of the week" 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 Andy@Becleverwithyourcash.com ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence

Find out how the government's latest financial plans will impact you - including measures to get us spending money in leisure and hospitality businesses, a big saving for people moving home and news of funding to create new jobs for young people. Don't forget to join the Cash Chats community on Facebook. * Please do leave a review and rating if this saves you money. * FURTHER READING BLOG: My summary of the Summer Statement Deals of the week £3 to spend at Costa The new Spotify Duo offer £10 Disney+ cashback bonus Possible free Jaffa Cakes on CheckoutSmart ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podcast has been featured as one of the top finance podcasts by Apple, Good Housekeeping and the Independent. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. On each Cash Chats episode you can hear Andy share ways to get the most from your money. He's often joined for friendly and accessible conversations by a friend from the UK Money Blogger community to cover topics as diverse as freebies and investments. Then at the end of each week stay tuned for a bonus "deals of the week" 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 Andy@Becleverwithyourcash.com ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence

I've very mixed feelings about freebies or heavily discounted trials. On one hand, I love them - who wouldn't, you get something for free. One the other hand I'm not sure they're always a good thing. For a start there's guilt. Guilt that I'm creating unnecessary waste, guilt that I'm taking advantage of someone And on top of that, there's also the danger that something that's free will be costing you down the line. And there are also the freebies which just aren't worth the time and effort. So how can you make sure your freebies really are free? In the latest episode of Cash Chats I'm looking at the things you can do to make sure the freebie doesn't cost you more than it should. * Please do leave a review and rating if this saves you money. * FURTHER READING Free water-saving devices Three free gratitude cards from Hallmark Get a £17 cashback bonus Club Lloyds Bank account Free magazines from your library Birthday freebies Episode 6 of Cash Chats with guest Deepak Tailer from Latest Free Stuff ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podcast has been featured as one of the top finance podcasts by Apple, Good Housekeeping and the Independent. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. On each Cash Chats episode you can hear Andy share ways to get the most from your money. He's often joined for friendly and accessible conversations by a friend from the UK Money Blogger community to cover topics as diverse as freebies and investments. Then at the end of each week stay tuned for a bonus "deals of the week" 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 Andy@Becleverwithyourcash.com ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence

From the climate crisis to Black Lives Matter to struggling high streets, it's all very well liking a post on social media to show your support for a cause, but is that enough? It's time to put your money where it can hopefully make a difference to your community, society and the planet. Here's how to work out how your donations, spending and banking can align with what you want to change. * Please do leave a review and rating if this saves you money. * Don't forget to join the Cash Chats community on Facebook. FURTHER READING Giving to charity and alternatives to Just Giving The Bellingcat podcast 10 Anti-racism charities to donate to (The Independent) Shopping and spending Episode #112 How to be ethical and money saving Banking & Investing Ethical Consumer's table of banks Triodos Bank Monzo vs Starling Ethical investing guide (Interactive Investor) Ethical investing articles (Good With Money) Deals Free glass of Brewdog Punk IPA The best American Express credit card American Express bonus offer workaround ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podcast has been featured as one of the top finance podcasts by Apple, Good Housekeeping and the Independent. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. On each Cash Chats episode you can hear Andy share ways to get the most from your money. He's often joined for friendly and accessible conversations by a friend from the UK Money Blogger community to cover topics as diverse as freebies and investments. Then at the end of each week stay tuned for a bonus "deals of the week" 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 Andy@Becleverwithyourcash.com ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence

This week lockdown begins to ease further with the non-essential shops reopening across the UK. I've taken a look at how things are working and whether you should be taking a trip to the high street or not. I've also shared your consumer rights for purchases made before, during and after the shops were closed. Plus news of an offer to help you support small local shops and save yourself cash at the same time. Full transcript at BeCleverWithYourCash.com/cashchats128 * Please do leave a review and rating if this saves you money. * FURTHER READING Mastercard's Shop Openings website How to make the most of American Express Shop Small Your rights to a refund when you change your mind How to get free Amazon returns Deals A year's free Mubi Sky Sports month pass on NOW TV for £25 or less £3 bonus at TopCashback ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podcast has been featured as one of the top finance podcasts by Apple, Good Housekeeping and the Independent. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. On each Cash Chats episode you can hear Andy share ways to get the most from your money. He's often joined for friendly and accessible conversations by a friend from the UK Money Blogger community to cover topics as diverse as freebies and investments. Then at the end of each week stay tuned for a bonus "deals of the week" 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 Andy@Becleverwithyourcash.com ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence

During lockdown, those that are still working are likely spending a lot less than normal. There's no commuting, no holidays, no nights out, no childcare costs. So what do you do with this extra cash you wouldn't normally have? In the second of highlights from my recent Lockdown Money Live event, I'm joined by Damian Fahy from Money to the Masses and Sara Williams from Debt Camel to discuss the best options. Find out whether you should be focusing on savings, debts, investments, mortgages or your pension - or even spending it to boost the economy. ---- Don't forget to join the Cash Chats community on Facebook. Please do also leave a review and rating. Here's how to do it on Apple Podcasts and iTunes. ------ SUBSCRIBE & LISTEN TO OTHER EPISODES OF CASH CHATS (it's free!): APPLE PODCASTS GOOGLE SPOTIFY Related episodes #120 Save thousands on your mortgage #106 Clearing credit card debts Further reading & links Hacks to boost your savings pot Debt Camel & articles about debt https://debtcamel.co.uk/coronavirus-more-help-debts/ https://debtcamel.co.uk/debt-consolidation-avoid-these-five-errors/ Money to the Masses https://moneytothemasses.com/ Elsewhere on Be Clever With Your Cash The cheapest way to watch the restarted Premier League Deals on Be Clever With Your Cash Watch the other Lockdown Money Live sessions on YouTube MUSIC The music used on Cash Chats is Easter Island by Lonely Punk and provided on a creative commons licence