Cash Chats

This week's hot deals from money geek Andy Webb include: Your last chance to get up to 5% interest on savings app Chip How to get six free cinema tickets A big saving on Sky Sports passes A nudge to price match the John Lewis sale Another last chance, this time to get an Amazon Echo Dot for £16 More information can be found at https://becleverwithyourcash.com/  

In this week's bonus episode, Andy shares 5 top deals including: How to get two Legoland tickets for £23 Where to get a third off an Apple Macbook Why it's a good weekend to shop at Boots What business owners need to do to save £50 at Amazon Discounts to celebrate National Beer Day You can find more info and links for these are more over at https://becleverwithyourcash.com

This week Andy shares five hot deals that'll save you a packet, including: How to save 4% on Netflix subscriptions every time Get £20 + off at Very Kids go free at the theatre with Kids Week Why you need to ditch your Tesco bank account How to get an Echo Dot speaker for less than £16 More info on all these and more at https://becleverwithyourcash.com/

More quick fire offers and savings for this week from Andy Webb including: How to watch Liverpool vs Tottenham in the Champions League Final on BT Sport for free Ticketmaster's Flash Sale 20% off family activities at Expedia £1 for a big bottle of Brewdog's Lost Lager Odeon cinema and Chili movie rentals bundle More details on these over at https://becleverwithyourcash.com/deals-index/  

This week's hottest offers as found by money geek Andy Webb include: £175 switching bonus from HSBC Free cinema tickets with packs of sweets and chocs £38 bargain printer with a year's supply of ink £1 trial of Tastecard for three months Sky Sports season pass discount You can find the links and more info on these deals at https://becleverwithyourcash.com/deals-index/

This week's quickfire deals include: An Odeon ticket and £10 movie rental credit for under £6 A bargain £255 Samsung TV Flight flash sale on routes to Rio, Buenos Aires, New York and Florida Spotify Premium for 99p More info on these are more over at https://becleverwithyourcash.com/

The deals you don't want to miss, including    £15.98 Echo Dot speaker trick from Amazon £50 discount for Amazon Business accounts Big discounts on festivals including All Points East and British Summer Time £10 MOT from Halfords Tesco's "100 years" sale for Clubcard members Get more info on these and more at https://becleverwithyourcash.com/category/vouchers-deals/

This week I'm talking about going to the cinema. I love watching films on the big screen but it doesn't always come cheap. Still, I manage to pay around £6 or less each time I go, and you can too. Ahead of Avengers Endgame hitting cinemas, this week's episode shares how you can get your hands on six free tickets to Vue or Cineworld, have a year of 2-4-1 movies for around £1 and why you should shop around. Plus, I've taken a look at whether memberships are worth it. More info over at https://becleverwithyourcash.com/cashchats83/

This week's deals include: How to get paid to watch the new series of Game of Thrones Smart home bargains in the Amazon spring sale (and how to check the price is a good one) New £175 bank switching incentive Free craft beer! You can read more about all these deals over at https://becleverwithyourcash.com/

It's the start of a new tax year and with it are a fair few changes to your finances. Here's a quick run through of the major things you need to know. I've put some bullets below of the main points, but I've gone into more detail in this week's podcast episode. Changes affecting your earnings Tax threshold increases Personal allowance up to £12,500 from £11,850 Higher rate threshold up to £50000 from £46,350 In Scotland the personal allowance is also rising to £12,500, but above that tax rates are different so check it out National Insurance thresholds also going up. You'll now start paying 12% NI after you earn £8,632. But you pay it until you earn £50,024 (when it drops to 2%). Minimum wage aka the National Living Wage increases across all age groups Pension auto-enrolment levels to increase Employees 3% to 5% Employers 2% to 3%  Price rises Council tax  BBC report increase of 4.5% in England on average It’s less in Scotland. Half increasing by 3% but some going for the cap of 4.79%. In Wales c

The latest bitesize podcast with five top deals you need to grab before they are gone. This week: A cinema ticket a week for £9.99 a month with Mubi £5 or £10 Amazon vouchers when you shop via Vouchercodes Family discounts via a Little Bird trial for £1 John Lewis sale - can you price match? Last chance for an iTunes discount via O2 More information over at https://becleverwithyourcash.com/

As we approach the end of the financial year and the start of the new one, banks and building societies are pushing ISAs hard. Newspapers are full of adverts encouraging you to max your allowance or open a new account. But is that the best thing to do with your savings? In this episode of the podcast, I've shared why most people won't benefit from an ISA - largely thanks to the Personal Savings Allowance. Plus, why they can be good for anyone with lots of money saved up, or if you're a first-time home buyer. More at https://becleverwithyourcash.com/cashchats81

Another mini-episode of the podcast with some hot deals that'll be gone before you know it. This week's featured deals: £10 back at Boots  Free chocolates after £3 cashback £150 bank switch bonus ending soon Amazon Echo Dot/Fire TV bundle Craft beer sales More information and the links for these over at https://becleverwithyourcash.com/category/vouchers-deals/

Does paying to watch normal TV represent good value for money? And if not, do you have to pay the Licence Fee? Over the next few weeks, quite a few bills are going up. One - from the 1st April - is the TV Licence, which will increase by £4 a year. It means you're paying the equivalent of £12.88 a month to watch live TV (and not just the BBC). With the rise of streaming services such as Netflix and Amazon Prime, it might seem like you could do without the BBC and other terrestrial broadcasters - potentially saving yourself £154.50 a year. So in this week's podcast episode I've taken a look at what you actually get for your money from the Licence Fee, and if you then choose it's not worth it, the circumstances which mean you don't have to pay for one. (Spoiler... I think it's well worth paying for one). Read more at https://becleverwithyourcash.com/cashchats80/

A new extra minipod with the best offers and deals you can get right now. This week: How you can get a Google Home Mini smart speaker for free, £5 or £15 A half-price sale on Chilly's reusable bottles Mother's Day flower discount codes Half-price Easter Eggs 4% off Netflix More info on all these deals at https://becleverwithyourcash.com/deals-index/

Are you still with the same bank you joined when you first got an account? Chances are that's the case, or perhaps you've switched once, maybe twice. If so, you're losing out. There's no reason you can't have more than one account, and there are definitely advantages to having more. This week on Cash Chats I've delved into my wallet to take you through each of my 14 current accounts - and why I've got them. The benefits include high interest on savings, cashback on bills, monthly rewards, free cash bonuses and fee-free spending overseas. You don't need as many as me, but two three in your wallet can make and save you some serious cash. In the episode I've also shared a few additional bank accounts you might want to consider which I've already had but switched away from. You can read more about today's episode and the best current accounts over at https://becleverwithyourcash.com/cashchats79

In this week's episode, I want to take you through a simple money warm-up. You can make sure everything is working ok with your finances before you start doing anything good or bad with your money. It's not complicated and won't take you long, but at the end of this MOT you should know the true state of your finances. Find the links I discuss over at https://becleverwithyourcash.com/cashchats78

Welcome back to Cash Chats! After a bit of a break, this is the first episode of 2019 and I've looked at stockpiling. In part this is due to fears caused by the impending Brexit, particularly in the event of a no-deal exit from the EU. Reports state prices will rise and the supply chain restricted. Both reasons to stock up now if you can. But that's not the only reason. Any period of time when you might not be able to leave home - illness perhaps, or severe weather - could quickly eat up your normal cupboard and freezer supplies. So it makes sense to have a bit more at home. But if you do this you need to follow a few rules to make sure you're not going to waste this food or spend more than you can afford. So enjoy this week's episode. Please do leave a review and subscribe over on iTunes – it really makes it easier for others to find the podcast. You can also now listen on Spotify! This week's further reading links https://becleverwithyourcash.com/how-to-stockpile-for-an-emergency/ https://becleverwithyour

We’ve all made that impulse purchase that turns out to be not such a great idea. Sometimes we realise too late and we’re stuck with it. But if you know you don’t want or need something soon enough, then you might be able to get your money back. Whether you can or not depends on where you bought it, and how you paid for it. Read more at https://becleverwithyourcash.com/cashchats76

With days to go until Black Friday, I've shared my top tips to help you bag a bargain in these huge annual sales. Now there's obviously some cynicism around Black Friday. That's understandable - it's a manufactured event to get people spending money they hadn't planned to spend and buy things they hadn't planned to buy. But if you do it right it's a great chance to save some extra cash. More info and notes at https://becleverwithyourcash.com/cashchats75/