Cash Chats UK Money & Personal Finance podcast

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 [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/ 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 [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/ 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 [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/ 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 [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/ 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

Last week I hosted a free online event called Lockdown Money Live, and here's the first of the highlights. There were four sessions and this week on the podcast you'll get to hear my interview with money blogger Faith Archer about the schemes available to you if you can't work. We discuss what happens next to the furlough scheme and support for the self-employed, as well as share what you should be doing if you're worried about redundancy. 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 The MSE guide to the furlough scheme ACAS redundancy guidance Faith's article on Bounce Back Loans Watch all the Lockdown Money Live sessions On the blog this week Should you extend or take a mortgage holiday? Chip app review – Can it help you put money into savings? Pick of the deals Times Plus trial offers – get free movie Free Kindle book offers Earn 2.02% with a Virgin Money account 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 [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/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence

This week I'm looking at a vital part of your finances - the information that banks, lenders and other companies use to work out whether they want to give you a product or money. Known as a credit report, it holds details of all your accounts, payment history and more. And linked to this is your credit score. They're different things but both very important. Here's how they work, when they're used and how you can access them for free. 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 My guide to credit reports and credit scores My video explaining how to avoid getting rejected for credit cards Clearscore Credit Club Credit Karma MSE's report on some banks using Open Banking to find mortgage holidays The Lockdown Money Live event on Facebook 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 [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 want to take some of the effort out of managing your money then it's worth thinking about the ways you can automate your finances. Tricks include moving money between multiple accounts, making sure you don't forget payments, boosting your savings pot, switching energy and earning cash when you spend. Please do leave a review and rating. Here's how to do it on Apple Podcasts and iTunes. Further Reading & Listening How to automate your savings How automatic energy switching services work My 14 current accounts (Cash Chats #79) Airtime Rewards review Join the Cash Chats Facebook community 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 [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/

I talk a lot about how to avoid debt in the first place, from getting the best price and value through to better managing your money. But sometimes that's not enough. A big factor is getting over the shame you might feel about your situation and the decisions you've made. So how do you do this? Well it can really help to know you aren't in this alone. That other people are going through the same things, feeling the same emotions. The more accounts of money management that we read and recognise, the less alone we feel. So this week my guest is Instagrammer Clare Seal, aka @MyFrugalYear. She has gone through this herself and is sharing her way out of £27,000 worth of debt with her 50,000 followers. Shame was a big part of her debts getting beyond her control, and it's something she's passionate about helping people break free of. And a lot of what we talk about applies even if you don't have debt. We can all feel shame about finances - whether that's an impulse buy through to being unable to do something as you can't afford it. Further reading and links Debt & Shame Clare's MyFrugalLife Instagram account Clare's book Real Life Money from Amazon Clare's book at Waterstones How to quickly clear your credit card debt Questions to ask to find out if your debts are a problem Free and impartial debt support from StepChange The Money Advice Service's Debt Advice Locator tool Elsewhere on the blog How to search price history and know if you're getting a good deal The cheapest way to rent movies online and by post Halifax Reward account to change: Is it any good? More deals 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 [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/

How side hustles can boost your income. In the second part of my making money series I've been joined by Ken Okoroafor from The Humble Penny blog to talk about how "side hustles" such as tutoring or setting up your own eBay / Amazon shop can make a big difference to your income. Please do leave a review and rating. Here's how to do it on Apple Podcasts and iTunes. Further reading & links Episode 121 of Cash Chats - Money making part one The Humble Penny blog - Ken's guide to side hustles Upwork - freelance marketplace Just Park - rent your drive Ken on Episode 93 of Cash Chats - FIRE (Financial Independence Retire Early) Deals at Be Clever With Your Cash - Amex, NBA & Ancestory special offers 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, Reader's Digest 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 [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're in need of some extra cash there are a couple of ways you can do this. In this first part I'm joined by money making blogger Emma Drew to talk about how things like online market research, eBay and receipt scanning can boost your coffers. * Please do leave a review and rating if this saves you money. Further reading & links Emma's guide to survey sites including Prolific and YouGov Sign up to Research Opinions Sign up for a cashback site bonus Sign up for Oh My Dosh Sign up for 20 Cogs Sign up for Swagbucks Sign up to Qmee Sign up to Airtime Rewards Sign up to Receipt Hog Sign up for Shoppix All the best deals on Be Clever With Your Cash 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 [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/

Probably the biggest purchase we'll ever make is going to be buying a house. But once you're on the housing ladder it doesn't mean you can't still make savings. In this week's episode I've looked at two key ways you can reduce the overall interest you pay, which can be worth thousands of pounds. The first is to boost your LTV (Loan to Value) and the second is to make overpayments. Individually they'll cut what you pay, combined the savings will be huge. * Please do leave a review and rating if this saves you money. * FURTHER READING & LINKS > How to use LTV to lower your mortgage interest rate > Should you overpay on your mortgage? > Money Saving Expert's mortgage overpayment calculator > Money Saving Expert's mortgage rate calculator 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 [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 I've looked at what you can do if you think you'll struggle to have enough cash left towards the end of the month and your next payday. FURTHER READING How to survive until payday How to make a budget How to stick to a budget How to stop spending money Spend less by using what you've already got What benefits are you entitled to 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 [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/

There are a couple of taboos people tend to avoid talking about. Money is one, another is dying. So combined must be some kind of super-taboo! But it's really important that you do have that conversation. Here's what you need to think about in terms of your own finances and plans, as well as how to discuss it with family members. It might not be the cheeriest of subjects but it's vital you have some plans in place to make sure your money goes where you want it to go, and the loved ones you leave behind aren't forced into debt to pay for your funeral. FURTHER READING > My article on why it's time to talk about dying and your money > Different ways to get a will (Which? online) > Prepaid funeral plan guide (Money Saving Expert) > 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 [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/

From mortgage holidays through to interest-free overdraft buffers, here's what you need to know about how your bank is working during the crisis. I've looked at your borrowing (so credit cards, loans, mortgages and overdrafts), your banking (including customer support and bank switching) and your savings (how safe your money is and ways to access locked away cash). FURTHER READING Banking during the coronavirus crisis: Mortgages, overdrafts, loans, savings and more How much an overdraft is really costing you How to make a soft application for a credit card Find free debt advice via The 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 [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're now working from home there's a good chance you'll be spending less, but there are a few things you should be doing to make sure other costs don't get out of control. In this week's episode I've shared how I've used home working to save cash over the last couple of years, plus a quick rundown of the latest deals of the week. FURTHER READING > Cut the cost of your broadband > How to find out just how much data you need. > How to switch your energy to cheaper deal > Cashback site bonuses > More on saving money when working from home Other articles mentioned > Use your spending power for good > Reduce food waste > Savings accounts to beat inflation > 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 [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/

Covid-19 has come from nowhere and caused such unexpected disruption - which is likely to get worse. So how do you make sure you and your money are in the best place to deal with this? Well a bit of planning now could make things easier in the weeks and months to come as our movements become more restricted. Plus, my thoughts on what you should do if you're owed money due to cancellations. FURTHER READING > Managing your money during social distancing and self-isolation > Cancelled or closing: Should you get a refund? > Financial support if you're hit by coronavirus > 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 [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/

It's been a big day for your finances with a surprise interest rate cut followed by the Budget where the new government set out its financial plans for the year. I've taken a look at how both of these will impact you and your money. Plus, important information about your sick pay rights if you get Covid-19 or have to self-isolate due to coronavirus. FURTHER READING > Budget 2020: What it means to you > Savings, mortgages and debts: Will the interest rate cut affect me.. and you? > 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 [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/

There's only one thing we're all talking about this week and it's Coronavirus. In this episode of the podcast, I've looked at how some of the conversations that relate to money. So should you be stockpiling, and if so what? Should you book a holiday? Should you go if you've already done it? Will you get paid if you can't go to work? Should you worry about investments? FURTHER READING > How to stockpile for an emergency > Is your holiday protected? > MSE's guide to which travel insurers cover what > Your rights at work > Fairtrade bananas: How much more do they really cost? 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 [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/

I want to make better ethical decisions when spending money, but I sometimes come up short. Though I boycott brands like Nestle and Sports Direct while only buying cruelty-free cosmetics and free-range meats, I also fly long haul, shop at Amazon and have the latest iPhone. So what can you do? Well in this episode of Cash Chat I'm joined by Tim Hunt from Ethical Consumer magazine to discuss whether it's possible to do everything, if you need to pick your battles and some easy ways you can make a difference without it impacting your bottom line. FURTHER READING > Ethical Consumer - get your free issue and read more > More on Fairtrade Fortnight > WWF carbon calculator > My article on how easy it is to eat ethically > More on the Nestle boycott > 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 [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 we've seen some of the top paying and most popular savings accounts cut their rates at the same time that inflation has hit a six month high. Combined it's bad news for savers, meaning any money you put away is earning less and worth less. So should you just not bother? In this episode find out what you could be doing with your money instead and where to put any cash you do want to save. FURTHER READING > Cash savings to beat inflation > How to set savings goals you'll actually stick to > Hacks to boost your savings pot > Deals of the week > Tickets to the Financially Fabulous event on 26th March 2020 > Details of the UK Money Bloggers pub meet up on 4th March 2020 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 [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 Tesco revealed how there are £17 million worth of Clubcard vouchers due to expire at the end of February. People have had the points for two years but forgotten that if they don't use them they lose them. So in this week's episode I've shared the different places you might have more lost and forgotten cash - often in your wallet or your home. Plus the top offers and bargains in my deals of the week. FURTHER READING Articles on Be Clever With Your Cash on this topic > Your forgotten cash and where to find it > Best uses of Tesco Clubcard points > How to claim forgotten cash on Oyster and contactless cards > How to make use of what you've already got > How to sell your old phone > Is it worth selling old books, DVDs, CDs and games Elsewhere on the blog this week > Money transfer credit cards – can they save you money? > Money transfer credit cards – can they save you money? > 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 [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 on the podcast Andy looks into whether you actually need to switch bank. Though there are certainly benefits for moving your banking, from higher interest on savings through to smart apps to help you budget, you might not actually have to switch to take advantage. Find out how to do it, when to do it and when not to in this week's episode of Cash Chats. FURTHER READING Do you really need to switch bank? The best bank switching deals and offers How to switch bank My 14 current accounts 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. 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 [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 get your TV via Sky or Virgin Media then you're paying far more money than you need to. It's possible to dramatically cut how much you pay and still watch all the channels you want. Yep that includes the likes of Sky Atlantic, Fox and Discovery, and even Sky Sports. And you can still get multi-room viewing and record the majority of channels. In this episode Andy has been joined by blogger Or Goren to discuss how you can "cut the cord", the alternative ways to watch and the tools to view them on your TV. FURTHER READING Cutting the cord Andy's guide on why it's time to ditch expensive Sky and Virgin TV subscriptions Or's guide to how to cut the cord Now TV offers and deals Sky Sports pass deals on Now TV Andy's comparison of the different streaming sticks Or's review of the different Roku streaming sticks Andy's thoughts on whether you should ditch the licence fee Deals of the week Links to all this week's offers over on Be Clever With Your Cash Andy's London event Get tickets to see Andy talk about money saving in London alongside fellow bloggers Charlotte Burns and Jordon Cox. 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. 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 [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/

There are hundreds of apps designed to help you save, make or better manage your money - but which are the best? Andy is joined by his friend Jordon Cox - aka the Coupon Kid - to take a look at the ones they use on their phones and the ones which are a waste of space. Find out which apps will earn you money off your phone bill, get you a better deal on duty-free, make some cash on the side and help you see all your bank and credit card accounts in one place - plus more. FURTHER READING Links to all the key apps Andy and Jordon talk about can be found over in the full show notes at https://becleverwithyourcash.com/cashchats107/ Andy's London event Get tickets to see Andy talk about money saving in London alongside fellow bloggers Charlotte Burns and Jordon Cox. 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. 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 [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/

Mid-January is one of the peak times for people applying for balance transfer credit cards. In this episode Andy has explored how you can clear your credit card and store credit debts and reduce how much they're costing you. Find out how to make a 0% balance transfer card work for you, and why it might not be the magic bullet for your debts. Further reading > 0% Balance transfer cards explained > Quickly clear your credit card debt > Santander 123 current account changes > Natwest and RBS Reward account changes 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. 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 [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/

January is peak holiday booking time, with "early bird" deals tempting people to book now and have something to look forward to during the dark winter months. In this episode Andy has taken a look at whether you should be booking now, or if you should wait. Plus his tips for making sure you're getting the best value for money on your flights and hotels. FURTHER READING How to find a cheap flight https://becleverwithyourcash.com/find-cheap-flight/ How I get the best value hotel rooms https://becleverwithyourcash.com/how-to-save-money-on-hotels/ Is your holiday protected? https://becleverwithyourcash.com/is-your-holiday-protected/ Last minute holidays - the best way to book https://becleverwithyourcash.com/last-minute-holidays-the-best-way-to-book/ Deals of the week https://becleverwithyourcash.com/deals/ 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. 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 [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/

With the year (and the decade!) over, Andy has looked back at the big personal finance topics of the year to see whether it's been good or bad for you and your money. Plus, deals of the week. FURTHER READING Food stockpiling tips American Express welcome bonus changes Latest bank switching offers Natwest and RBS cashback to end Overdraft cost increases Tesco Clubcard Plus review Bad broadband changes Links to all this week's offers over 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/

0% interest finance isn't new. For a set period you can borrow money - usually for a large expense - and as long as you pay it off you don't get charged interest. This isn't necessarily a bad thing - I've used it myself. But now the likes of Klarna and Clearpay are making it easier than ever to get it, and often on cheaper, more affordable items such as fashion. So in this episode I've looked at the different 0% options, from credit cards through to finance deals through to these newer services, and shared when they could be the right option, and when they probably aren't. FURTHER READING Should you buy now and pay later? Links to all the deals of the week' over 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/

A bad present, either because it's not been thought through or it's just a lazy purchase, is one of the worst wastes of money as there's every chance it'll end up in the bin or just at the back of a cupboard unused. So in this episode, Andy shares why he hates Secret Santa and how you can make sure whatever gifts you buy actually to live up to the old adage that it's the thought that counts. He'll also look at whether regifting is ok. FURTHER READING Links to all this week's offers over on Be Clever With Your Cash Should you regift an unwanted present? Five alternative gifts where the thought really does count 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/

Can you really get a bargain in the Black Friday sales? A report this week claimed only one in five Black Friday deals were at their cheapest on that day in November last year. In the podcast this week I've taken a look at why that might be and assessed a handful of the offers already. Plus, a warning about buy-now, pay-later services such as Klarna. Further reading: My huge list of the best Black Friday offers Ep99 - How to get the best price Price matching tricks 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, to celebrate 100 episodes, I'm going to share with you some easy ways to get free money. No faffing around with filling in surveys. No buying things you wouldn't normally buy, or getting part of the money back. No fees or subscriptions. No upfront payments. This is all from just normal spending. 100% Profit. You'll get hard cash or in a few cases gift vouchers - not money off or discounts. Not predicted savings by switching. Actual cash. And the money will be yours. The money won't be overnight in your bank account. Some of this could take a few months, possibly longer. But if you've got a bit of time, I think it's well worth it. Some of the payments are small, starting at just a few quid. Some are huge, up to £175. You might not be able to do all of them, but I hope you'll be able to get at least £100, if not five times that much. FURTHER READING These links and values are all correct at the time of recording. Get £5 from Curve Get £5 from Cleo Get £20 from Monese - Use code ANDR4552 Credit card rewards including John Lewis £30 reward M&S £25 reward American Express Nectar £30 cashback American Express Platinum Cashback Everyday £15 cashback How to check the chances of getting approved for a credit card before applying Cashback welcome bonuses including £17 from Quidco £15 from TopCashback How cashback sites work Free cash from banks including £50 cashback from Quidco for TSB £175 reward for switching to HSBC £150 reward for switching to Natwest or RBS £100 refer a friend bonus from Nationwide Deals of the week Giveaway details As part of the 100th episode celebrations, I'm giving four listeners £25 john Lewis gift cards. All you need to do is leave me a review and a rating on Apple Podcasts on your phone - or it could still be via iTunes on a computer. Then I need you to screen grab your review and email me at [email protected]. Instructions on how to do this can be found at BeCleverWithYourCash.com/podcastreviews. This giveaway closes at midnight on 31st December 2019. I'll then put all those emails together in a hat and pick out four winners. If you're successful I'll email you in early January with further details. 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/

Getting the best price is much easier when you know how to compare prices, check price history, use price matching and set price alerts. In this week's episode Andy takes you through how he does all of these, including the websites and apps that'll take most of the hard work away. Plus the latest deals of the week including saving at the theatre and boosting your Asda Christmas shopping funds. FURTHER READING Where to price match How to search price history 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/

One of the easiest ways to make some extra cash is to shop via cashback websites. In the last six years, I've made more than £4,000 using the main sites - TopCashback and Quidco. Easy money. Free money. It might sound like it's too good to be true, and there are risks associated, but it's a quick win for any savvy shoppers. Here's how they work and what to watch out for. FURTHER READING Get a £17 new customer bonus at Quidco https://becleverwithyourcash.com/newsletter/ Get a £10 new customer bonus at TopCashback https://becleverwithyourcash.com/cashback-sites-boost-savings-sign-bonus/ How to boost cashback https://becleverwithyourcash.com/cash-hack-boost-cashback-10/ 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/

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