Cash Chats UK Money & Personal Finance podcast

There have been some big changes to the world of supermarket loyalty schemes. First Nectar added extra ways to earn points at Sainsbury's, and now Tesco has launched a premium option costing £7.99 a month. Along with the forthcoming Nectar Double Up event, Andy has looked at what the points are worth, and how to make sure you're getting the most you can for your points. Plus, the deals of the week bonus episode is now part of the main podcast, so keep listening to find out the half dozen top deals that Andy has spotted this week to save you money, including a free £30 John Lewis voucher and discounts at Odeon, Vue and more. FURTHER READING What are loyalty card points worth? The best Tesco Clubcard deals Tesco Clubcard Plus review – is it worth £7.99 a month? The best ways to collect and spend Nectar points Why I hate the Nectar double-up points promotion at Sainsbury's (and how to get the best out of it) Deals of the week ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Money Bloggers annual awards. Cash Chats episodes go live twice a week. At the start of the week Andy is 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 on Thursday you can listen to a bonus "deals of the week" episode – a quick 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 [email protected] 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/

Free pumpkins, 20% off kids bikes, Star Wars ticket deals, 25% off wine, free Gourmet Society trial, Sky Sports pass offer, Morrisons 3% boost and more. Andy's back with eight top deals to save you money. From free pumpkins at the supermarket to cheap ways to book for the new Star Wars movie the cinema, these offers can't be missed. FURTHER READING More about all this week's deals on Be Clever With Your Cash ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. Cash Chats episodes go live twice a week. At the start of the week Andy is 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 on Thursday you can listen to a bonus "deals of the week" episode – a quick 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 [email protected] 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/

We're less than 10 weeks away from Christmas. That might seem like a long time, but it'll creep up on you faster than you think – meaning it's a good time to start thinking about how much you'll spend. In fact, even if you're listening to this in November in December, or just want to get well ahead of Christmas 2020, it's never too late or early to follow the tips in this episode. So here's a checklist of the main expenses, along with tricks to bring down their cost, plus some tips to help you pay for everything. FURTHER READING Your Christmas money checklist How to make extra money in time for Christmas ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. Cash Chats episodes go live twice a week. At the start of the week Andy is 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 on Thursday you can listen to a bonus "deals of the week" episode – a quick 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 [email protected] 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/

If you manage them right, a cashback credit card can be the best weapon you have in your wallet to boost your income. Here Andy shares when you should get one (and when you shouldn't), as well as his pick of the cards on the market. FURTHER READING Andy's review of the best cashback credit cards ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. Cash Chats episodes go live twice a week. At the start of the week Andy is 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 on Thursday you can listen to a bonus "deals of the week" episode – a quick 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 [email protected] 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/

In recent weeks and months, savings rates have been cut from 5% to 3% at TSB and 3% to 1% at Tesco, 5% Regular Savers have been axed at Nationwide, First Direct and HSBC, and the leading easy access savings account from Marcus fallen to 1.45%. With less options available, Andy has shared where you can put your cash with interest that will beat inflation. FURTHER READING Cash savings to beat inflation More about the Personal Savings Allowance ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. Cash Chats episodes go live twice a week. At the start of the week Andy is 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 on Thursday you can listen to a bonus "deals of the week" episode – a quick 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 [email protected] 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/

This week Andy shares how you can - Get £125 and six free cinema tickets - Find the cheapest copy of Philip Pullman's The Secret Commonwealth - Earn a bonus £2.50 from Quidco - Beat the NOW TV price increase - Buy £4.75 Odeon tickets - Get a £5 Amazon voucher FURTHER READING Links to all this week's offers over on Be Clever With Your Cash Andy's video and article about bank switching ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. Cash Chats episodes go live twice a week. At the start of the week Andy is 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 on Thursday you can listen to a bonus "deals of the week" episode – a quick 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 [email protected] 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/

This week Andy has been joined by his money blogging friend Ken Okoroafor. Ken is a keen advocate of the FI and FIRE movements where people work hard to reach financial independence well before the normal retirement age. He tells Andy how he got started and shares what people can do if they want to start their own FI journey. FURTHER READING Andy's blog Be Clever With Your Cash can help you cut back and make your money go further https://becleverwithyourcash.com/ Ken's blog The Humble Penny is full of ways to make more money https://thehumblepenny.com/blog ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. Cash Chats episodes go live twice a week. At the start of the week Andy is 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 on Thursday you can listen to a bonus "deals of the week" episode – a quick 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 [email protected] ANDY & GUESTS ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash Ken is @TheHumblePenny https://twitter.com/TheHumblePenny GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/

Save on toys, beauty products, cinema tickets, supermarket shopping and more. This week Andy's spotted nine top deals and offers you might want to take advantage of this weekend. - Up to 20% off toys at Smyths - "Free" Lego Advent Calendar for new TopCashback customers - Free Costa Express hot drink on Tuesday - Boots Advantage Boost weekend from Friday - Space NK - £15 off when you spend £60 - £175 HSBC Bank switch offer is back - Will Aid is in November - Two Odeon tickets and movie rental credit for £7 - Free 90-day Tastecard trial - Extended until 1st October FURTHER READING https://becleverwithyourcash.com/deals-of-the-week-26th-september-2019/ ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. Cash Chats episodes go live twice a week. At the start of the week Andy is often joined for friendly and accessible conversations by a member or friend the UK Money Blogger community to cover topics as diverse as freebies and investments. Then on Thursday you can listen to a bonus "deals of the week" episode – a quick 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 [email protected] 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/

Cash is no longer king. It's dying. New figures show 80% of sales are with a debit or credit card. Debit cards are most popular - 57% of sales according to the British Retail Consortium, but this is the first time credit card use has overtaken cash. Is this a good thing? Cards definitely come with lots of benefits, but so do cards. So should we be worried about a cashless society? in this episode of the award-winning Cash Chats podcast, Andy has taken a look at the pros and cons of both cards and cash. Plus news about why your contactless payments could be rejected, and a brief round-up of what to do if you have a Thomas Cook holiday. FURTHER READING: Contactless payment declined? You might just need to enter your PIN Credit card spending overtakes cash for the first time (The Guardian) Poorest areas hit hardest by loss of free cash machine (Which?) The Big Issue goes contactless (Big Issue) ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. Cash Chats episodes go live twice a week. At the start of the week Andy is often joined for friendly and accessible conversations by a member or friend the UK Money Blogger community to cover topics as diverse as freebies and investments. Then on Thursday you can listen to a bonus "deals of the week" episode – a quick 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 [email protected] ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash

This week, Andy shares deals about - A Christmas savings card hack - A free 90-day Tastecard trial - 75p Chocolate Oranges - Reduced to clear ice creams - Buy one get one half-price fish - Free beer! FURTHER READING: More on these over at https://becleverwithyourcash.com/deals-of-the-week-19th-september-2019/ ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers annual awards. Cash Chats episodes go live twice a week. At the start of the week Andy is often joined for friendly and accessible conversations by a member or friend the UK Money Blogger community to cover topics as diverse as freebies and investments. Then on Thursday you can listen to a bonus "deals of the week" episode – a quick 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 [email protected] ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash

If you've only one bank account you not only run the risk of being locked out of your money, but you could be missing out on free cash and higher interest elsewhere. This week on the podcast, Andy takes you through the reasons why you should open up more than one bank account. You don't need as many as him (15 at the latest count!), but having at least two or three can make a big difference to how you manage your money. FURTHER READING: > The accounts that give you cashback on your bills > The best bank switching offers > The best cards for fee-free spending overseas > My 14 current accounts, and why I've got each one ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2019 it was awarded Best Money Blog at the SHOMOS - the UK Moneybloggers annual awards. Cash Chats episodes go live twice a week. At the start of the week Andy is often joined for friendly and accessible conversations by a member or friend the UK Money Blogger community to cover topics as diverse as freebies and investments. Then on Thursday you can listen to a bonus "deals of the week" episode – a quick 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 [email protected] ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash

Andy's back with savings on iPhones, The Handmaid's Tale sequel, free Amazon credit and more. The big news this week was the unveiling of some very expensive new iPhones. We also had the long-awaited new book from Margaret Atwood, plus news of a price increase for NOW TV. Listen for more on these and more deals. Read about the deals Ways to save money on the new iPhone 11 and iPhone 11 Pro The latest Apple iPhones can be preordered from the 13th September. They cost a lot of money, so here's how you can make sure you don't spend over the odds. https://becleverwithyourcash.com/ways-save-money-new-iphone/ Cheapest way to get Margaret Atwood's The Testaments I'm a big fan of The Handmaid's Tale, so I've been eagerly awaiting for this sequel. Its cover price is £20, but I've found how you can get it on the high street for £10, or online for £8.30. There's even the potential for you to get it free if you've never used a cashback site before. https://becleverwithyourcash.com/book-offers-and-deals/ A potential £16 in free Amazon credit There are currently three different offers which could get you free Amazon credit. The first ends on Sunday, and it's for Amazon Prime members who haven't streamed any TV or films yet. Do this to get a £5 off £20 spend voucher. The next two involved buying gift cards or topping up your account. If you're eligible you could get a £5 voucher and £6 credit. https://becleverwithyourcash.com/latest-amazon-deals/ Another £150 bank switching offer Following hot on the heals of RBS announcing a £150 offer last week, you can get the same deal if you switch to Natwest. Once more that includes existing as well as new customers. Sadly you can only take advantage of one of these switches. https://becleverwithyourcash.com/the-best-bank-switching-cashback-interest-offers/ Beat the NOW TV Entertainment pass price increase In just under a month, the price of a month of channels such as Sky Atlantic and Sky One will go up by a quid. Yes it's not much, and it's still cheaper than getting Sky TV, but there are ways to save now, including a two-month gift card for a tenner. Here are all the latest NOW TV deals https://becleverwithyourcash.com/now-tv-deal/ ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. Cash Chats is a twice-weekly podcast Andy hosts to help you with your finances. At the start of the week he's often joined for these friendly and accessible conversations by a member or friend the UK Money Blogger community to cover topics as diverse as freebies and investments. Then on Thursday you can listen to a bonus "deals of the week" episode – a quick 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 [email protected] ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash

This week's episode is a little different, as Andy is joined around a table with fellow money bloggers to chew the fat on how we shop. It's a universal topic - we all spend money - but we all do it in different ways. Whether we prefer the high street to online, choose to boycott certain retailers and how we cope with dodgy self-service machines are just some of the areas that cropped up during our chat. THIS WEEK'S GUESTS ON SOCIAL Twon blogs at thereverend.co.ukand can be found at https://twitter.com/TheReverendBlog Sara blogs at debtcamel.co.uk and you can follow her at https://twitter.com/DebtCamel Marie blogs at brokegirlinthecity.com and her Twitter account is https://twitter.com/brokegirlincity ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. Cash Chats is a twice-weekly podcast Andy hosts to help you with your finances. At the start of the week he's often joined for these friendly and accessible conversations by a member or friend the UK Money Blogger community to cover topics as diverse as freebies and investments. Then on Thursday you can listen to a bonus "deals of the week" episode – a quick 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 [email protected] ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash

This week Andy has news of: A big Tesco promotion for Clubcard members How to get £5 vouchers at M&S and H&M A new £150 bank switching bonus Massive discounts on garden, BBQ and picnic products An Amazon multibuy offer READ MORE Read more about these deals in the links below (note - these deals come and go so if the info isn't on the links it's because the offer has ended). Tesco Clubcard Prices promotion details https://becleverwithyourcash.com/tesco-clubcard/ How to get a Marks & Spencer or H&M voucher when you donate old clothes https://becleverwithyourcash.com/swap-old-clothes/ Andy's podcast on Second-hand September £150 RBS bank switching offer details https://becleverwithyourcash.com/the-best-bank-switching-cashback-interest-offers/ Garden, BBQ and other summer item clearance deals https://becleverwithyourcash.com/diy-discounts/ Amazon Prime NOW multibuy offer details https://becleverwithyourcash.com/latest-amazon-deals/ UPDATES Any new deals I spot that came too late for this video will be over on Instagram or Twitter. Follow so you don't miss out. Twitter - https://twitter.com/AndyCleverCash Instagram - https://instagram.com/andyclevercash ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. Cash Chats is a twice-weekly podcast Andy hosts to help you with your finances. At the start of the week he's often joined for these friendly and accessible conversations by a member or friend the UK Money Blogger community to cover topics as diverse as freebies and investments. Then on Thursday you can listen to a bonus "deals of the week" episode – a quick rundown of the hottest offers from the last seven days. ABOUT ANDY Andy Webb is a money blogger and journalist. He runs the award-winning website Be Clever With Your Cash, presents Channel 5's Shop Smart Save Money and writes every month for Reader's Digest. Andy also founded the community ukmoneybloggers.com. ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: Twitter - https://twitter.com/AndyCleverCash Instagram - https://instagram.com/andyclevercash

This month the charity Oxfam is encouraging us to stop buying new clothes and just shop second-hand in September. The reason? Well there are a few, but the environmental impact of fast fashion is right up the top. Around 11 million items of clothing are added to landfill every WEEK in the UK, while it takes 20,000 litres of water to make a pair of jeans and a t-shirt (that's enough to keep a person well hydrated for 13 years!). Of course, shopping second-hand (or not at all) also has some benefits to your bank balance, so it's a great topic for this week's episode where I'm joined by two members of the UK Money Bloggers community - Hollie Hutchinson and Faith Archer. We discuss why they are getting involved in the campaign, how to find second-hand clothes, whether charity shops are more for women than men, and why it's not just "dead man's clothes". FURTHER READING: The Oxfam #SecondHandSeptember hub https://oxfamapps.org/secondhandseptember/ Hollie's guide to taking part in #SecondHandSeptember https://thriftymum.com/uncategorized/take-part-secondhandseptember/ Faith's blog about how she's taking part https://www.muchmorewithless.co.uk/second-hand-september/ Andy's guide to finding bargain second-hand clothes https://becleverwithyourcash.com/how-to-find-bargain-second-hand-clothes/ The UK Money Blogger's community article about why many are getting involved https://ukmoneybloggers.com/second-hand-september-why-uk-money-bloggers-are-getting-involved/ ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. Cash Chats is a twice-weekly podcast Andy hosts to help you with your finances. At the start of the week he's often joined for these friendly and accessible conversations by a member or friend the UK Money Blogger community to cover topics as diverse as freebies and investments. Then on Thursday you can listen to a bonus "deals of the week" episode – a quick 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 [email protected] ANDY & GUESTS ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash Faith is @MuchMore_Less on Instagram and Twitter instagram.com/muchmore_less/ twitter.com/MuchMore_Less Hollie is @ThriftyMumCom on Twitter and @ThriftyMum on Instagram instagram.com/thriftymum/ twitter.com/ThriftyMumCom

The best deals you can get right now – get them before they go! This week find out how to: Get an Amazon Echo for £55 How students can save at Apple and Amazon Get a free cheeseburger Use Clubcard points at NOW TV Save £29 on Spotify Premium Get £10 movie rental credit and a cinema ticket for £5.99 Read about these deals Free Argos £5/£10 voucher and Amazon Echo deal stack Until midnight Thursday 29th August you can get a free £5 voucher when you spend £50 at Argos, and a £10 voucher when you spend £100. Obviously only buy things you want, but it's a good opportunity to get an extra saving on some already reduced items, including an Amazon Echo speaker. These are down from £89.99 to £59.99 (matching the price you'll see in Amazon's End of Summer sale). The best student discounts, offers and deals Though the hack for anyone to get a student discount closed a year ago, I know many of you will still have your cards – or you might actually be about to go to university. For all of you I've updated the best discounts you can get with an NUS/Totum card, including free Beats headphones and 10% off Macs with Apple and six months free Amazon Prime. NOW TV credit is now on Tesco Clubcard This year hasn't been great for Clubcard points with the removal of Red Spotted Hanky and Uber from the scheme. However this week NOW TV was added, meaning you can get £1.50 of credit to spend on the streaming service for every 50p you have in Clubcard points. Free cheeseburger at McDonald's Download the McD's app and you can nab a free cheeseburger. Three months Spotify Premium for 99p New users can get three months of advert-free listening on Spotify for just under a quid, saving them close to £30. £10 video rental credit & Odeon ticket for £5.99 This offer on Groupon is due to end on the 31st August. You get £10 credit to spend at online streaming service Chili and a cinema ticket. New Groupon users can save a further 20% with the code WELCOME. ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. Cash Chats is a twice-weekly podcast Andy hosts to help you with your finances. At the start of the week he's often joined for these friendly and accessible conversations by a member or friend the UK Money Blogger community to cover topics as diverse as freebies and investments. Then on Thursday you can listen to a bonus "deals of the week" episode – a quick 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 [email protected] ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash

This week Andy Webb brings you seven hot money saving offers and deals from the last seven days. This week find out how to: - See a film for "free" this weekend - Get five Odeon tickets for £20 - Eat up some National Burger Day deals - Save on Amazon devices - Travel by train for 10p - Get a free £15 for opening a bank account - Watch Sky Sports for 10 months for £20 a month FURTHER READING: Read more about these deals in the links below (note - these deals come and go so if the info isn't on the links it's because the offer has ended). National Lottery Cinema Day https://becleverwithyourcash.com/cheap-cinema-ticket/ Groupon Odeon offer https://becleverwithyourcash.com/cheap-cinema-ticket/ National Burger Day deals https://becleverwithyourcash.com/food-deals/ Amazon's End of Summer Sale https://becleverwithyourcash.com/latest-amazon-deals/ Northern Rail flash sale https://becleverwithyourcash.com/latest-travel-deals/ Monese £15 sign up offer: https://becleverwithyourcash.com/the-best-bank-switching-cashback-interest-offers/ NOW TV's Sky Sports season pass https://becleverwithyourcash.com/cheapest-way-to-watch-sky-sports/ ABOUT ANDY Andy Webb runs the award-winning website Be Clever With Your Cash, presents Channel 5's Shop Smart Save Money and founded the community ukmoneybloggers.com. ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash

Monzo, Starling, Revolut and others are part of a new raft of digital banks you can only open and manage from your smartphone. They're becoming increasingly popular, often with a cult-like following from largely millennial customers - something you never see with traditional banks. Probably the most loved is Monzo, which is leading the bunch with more than 2.6 million customers and growing fast. Many people open one of these accounts for the incentive of fee-free spending overseas, but other people swear by the features that help you budget and keep track of your spending. But these banks still face challenges. Monzo asked 20% of its users to change their pins a few weeks ago, while some have faced payment problems and others gone out of business. And not all these new "banks" are actually banks! With lots to talk about, your host Andy Webb has been joined by Moneywise deputy editor Edmund Greaves to talk through how they are different from the traditional banks, and whether your money is safe. FURTHER READING: Read more about the banks and apps discussed in this week's episode: Andy's review of Monzo (Be Clever With Your Cash) Monzo launches short term loans (The Guardian) The digital banking revolution is here. So why are so few people putting their salaries into app-only bank accounts? (Moneywise) Spying, defections and regrets: Inside the bitter feud between Starling Bank and Monzo (The Telegraph) Switching bonuses, cashback and interest offers from high street banks (Be Clever With Your Cash) ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. Cash Chats is a twice-weekly podcast Andy hosts to help you with your finances. At the start of the week, he's often joined for these friendly and accessible conversations by a member or friend the UK Money Blogger community to cover topics as diverse as money saving and investments. Then on Thursday, you can listen to a bonus "deals of the week" episode – a quick 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 [email protected] SOCIAL LINKS Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash Ed is @edgreave on Twitter twitter.com/edgreav

Andy Webb brings you five hot deals from the last seven days. This week find out how to Watch Quentin Tarantino's Once Upon A Time In Hollywood AND three other movies this month for £9.99 Get a £5 Amazon voucher for watching TV Recycle old Body Shop bottles for a £5 reward Switch bank for a £175 bonus Save 25% on ANY wine and fizz at the supermarket FURTHER READING: Read more about these deals in the links below (note - these deals come and go so if the info isn't on the links it's because the offer has ended). Mubi Go cinema offer: Latest cheap cinema tickets offers and deals (August 2019) Amazon Prime £5 for streaming video: Amazon vouchers & deals (August 2019) Body Shop recycling scheme: Latest beauty and makeup deals HSBC £175 switching offer: The best bank switching, cashback and interest offers (August 2019) Tesco 25% off when you buy six or more bottles of wine: Latest beer, wine and spirits offers and deals ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. Cash Chats is a twice-weekly podcast Andy hosts to help you with your finances. At the start of the week he's often joined for these friendly and accessible conversations by a member or friend the UK Money Blogger community to cover topics as diverse as freebies and investments. Then on Thursday you can listen to a bonus "deals of the week" episode – a quick 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 [email protected] ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash

Andy is joined by Sara Williams from the Debt Camel blog to discuss why an overdraft could be costing you more than you expect, and how changes on the way to simplify charges could be good or bad news for your bank balance. Plus, a few ways to bring down your overdraft. FURTHER READING: Sara blogs at Debtcamel.co.uk. Here are a few of her articles on overdrafts: Overdrafts – a hard type of debt to clear Will new rules on overdraft fees help you? Will simpler mean lower? ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. Andy 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 [email protected] ANDY ON SOCIAL @AndyCleverCash twitter.com/AndyCleverCash instagram.com/andyclevercash

Andy Webb has been hunting for more special offers and deals to save you cash. This week: Save at the cinema every day of the week with a Tastecard Free bike hire in London Trick for Natwest customers to get 10 months of Sky Sports for £149 Free £125 John Lewis gift card for big spenders A chance to get £15 tickets to Fleabag in the West End £10 Amazon gift card for people signing up to auto-switching service Look After My Bills FURTHER READING Here are the links to all these deals over at Be Clever With Your Cash. (Note - these pages are updated regularly so if you're listening to this episode more than a week after the initial broadcast you might find some of the deals have changed). TASTECARD CINEMA TRICK https://becleverwithyourcash.com/cash-hack-no-6-cheap-cinema-tickets-with-1-tastecard-trial/ FREE SANTANDER CYCLE HIRE https://becleverwithyourcash.com/latest-travel-deals/ SKY SPORTS / NATWEST HACK https://becleverwithyourcash.com/cheapest-way-to-watch-sky-sports/ JOHN LEWIS VOUCHER OFFER https://becleverwithyourcash.com/gift-card-voucher-deals/ £15 FLEABAG LOTTERY https://becleverwithyourcash.com/latest-theatre-deals-discounts/ £10 AMAZON VOUCHER FOR ENERGY SWITCHING https://becleverwithyourcash.com/should-you-use-an-automatic-energy-switching-service/ ANDY ON SOCIAL Do let Andy know if you grab any of these deals! https://twitter.com/AndyCleverCash

The 2019/20 football season has begun! But being a fan isn't cheap. In this episode money-saving geek Andy Webb has had a look at how you can cut the price you pay to watch football on Sky, BT and Amazon, how to get the best value tickets for live games and few tricks to help save money on football shirts. You can read more about everything Andy speaks about over at https://becleverwithyourcash.com/cashchats86/

Andy is always searching for the best money-saving deals and offers, and in this weekly bonus episode, he shares some of the key ones from the last seven days. This week Andy has info on: Free £10 or £5 Argos vouchers when you shop a 20% off Habitat code 30-day trials for £1 with kids membership services Free West End theatre tickets for the kids A free pint or gin at the pub All the links can be found over at https://becleverwithyourcash.com/

If you're going away this summer Andy shares what you need to do to get the best exchange rate possible. From which credit and debits cards are good to use through to how to get the most foreign currency for your cash. Show notes and links over at https://becleverwithyourcash.com/cashchats85/

Andy Webb shares the top offers and deals you need to grab before they are gone, including £1.25 movie rentals and £2.50 purchases, including Captain Marvel £10 free beer credit from Honest Brew In-store bargains at the M&S Summer Drinks Festival £10 Boots discount More on these and other deals at https://becleverwithyourcash.com/

Andy is joined by Naomi Willis from Skint Dad to talk about the impending PPI refund deadline. There are just weeks left before the window to claim for a PPI refund is firmed closed - and for good. Though it won't apply to everyone, it's well worth taking a few minutes to find out if you or family members are entitled to get some money back. In this week's episode, Andy and Naomi take you through who can claim and how to claim before the 29th August deadline. You can get the links for the things we talk about over at https://becleverwithyourcash.com/cashchats84/

This week's bonus episode of the latest deals and offers Andy has spotted this week includes: £18 Alton Towers tickets Free ice cream Amazon Pantry sale Free Beats headphones for students and teachers More over at https://becleverwithyourcash.com/

The hottest money saving offers and deals in the UK each week from money geek Andy Webb. This week Andy's spotted the following: £20 off Amazon Prime membership £10 off at Boots £3.79 Sky Sports week pass on Now TV Free Bacardi cocktail Free 4K movie rental You can get the links and more info over at https://becleverwithyourcash.com/

This week Andy shares loads of freebies from ice cream to pints of the black stuff! Tune in to find out how to get £120 from Barclays £1.50 off any ice cream £5 from Amazon for linking a credit card A free pint of Guinness every day £5 for opening a Monzo bank account There's more info and those all important links over at https://becleverwithyourcash.com/

Deal detective Andy Webb shares the hottest offers and sales from the last week - with many due to end this weekend. Listen in for more on 90p movie rentals including Lego Movie 2 A £3 trick to get 2-4-1 Odeon tickets for the next three months 20% off at eBay Your last chance to earn 3% on savings for a year and £175 on a bank switch Where to find some home and furniture bargains in the summer sales More at https://becleverwithyourcash.com/

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 can go as high as 9.92%. TV licence up £4 a year (read more here) Energy cap increase - typically £117 a year added to variable bills (read more about the cap) Water bills up slightly - 2% on average Car tax up for most between £5 and £15 Prescriptions up 20p to £9 in England - everywhere else gets it for free (read about how to pay less) Dental charges up to £22.70 (up £1.10) Stamps went up at the end of March by 3p each. a second class stamp is 61p a first class stamp is 70p

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://becleverwithyourcash.com/tricks-to-help-your-freezer-save-you-money/ https://becleverwithyourcash.com/best-use-best-dates-whats-difference/ https://becleverwithyourcash.com/addiction-yellow-stickers/

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/