Podcast appearances and mentions of damien fahy

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   With the end of the tax year fast approaching, we're talking pensions, ISAs and tax. From tax relief to ISA limits, we've gathered some top tips and insights from our guests to help you get your finances in order.    Join our host, Philippa Lamb and our expert guests to hear the best bits from the following episodes: E32: How to understand your pension balance with Tim Hogg, Faith Archer and Alex Langley E29: Pensions vs. cash - which is best? With Holly Mackay and Martin Parzonka E17: Should you save into a pension or an ISA? With Claer Barrett, Damien Fahy, Peter Komolafe and Becky O'Connor   Episode breakdown: 00:30 Tax relief - what it is and how it works 01:30 ISAs - another way to save 03:27 Lifetime ISAs 04:54 Using ISAs and pensions together 06:53 ISA rules   Further reading, listening and watching: To learn more about finances and pensions, check out these articles, podcasts and videos from PensionBee: Episode transcript  Guide to Lifetime ISAs and pensions Pension pot or cash savings - which is best? How much income do you need in retirement? How much can I pay into a pension each year? Making pension contributions The UK Pension Landscape Your guide to savings funds How to diversify your pension investments E11: How to prepare for a happy retirement (Podcast) How are pensions invested? How can I find my pensions? How to look after your financial wellbeing in 2024 How to understand your pension balance Understanding market volatility and how it can impact your pension Pension Calculator   Other useful resources:  How ISAs work (gov.uk) Cash ISAs (Money Helper) Stocks and Shares ISAs (Money Helper) Junior ISAs (gov.uk) Peter Komolafe: Three ISA mistakes everyone is making (YouTube) Cash ISA rules and allowances (Which) Should I have a savings account or pension? (MoneySuperMarket)     Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.

In this month's #DamiensMarketUpdate, Damien discusses the current state of investment markets, focusing on the downturn in equity markets and rising bond yields. Where to next for 2025 and what do investors need to watch? #Investing #Markets #Finance #GlobalEconomy #Stocks Podcasts referenced in this month's show: https://moneytothemasses.com/news/podcast/mm-178 My name is Damien Fahy, founder of https://moneytothemasses.com/​​​ and each week I discuss what is happening in investment markets so that DIY and novice investors can make sense of what is affecting their investments. --------------------------------------------------------------------------- For more information about 80-20 Investor visit https://moneytothemasses.com/become-an-80-20-investor --------------------------------------------------------------------------- If you are looking to get your finances in shape then check out Damien's FREE Money MOT at https://mot.moneytothemasses.com/​​​ --------------------------------------------------------------------------- Follow Money to the Masses on social media: Website - https://moneytothemasses.com/​​​ Facebook - https://www.facebook.com/moneytothema​​​sses Instagram - https://www.instagram.com/moneytothem​​​asses Twitter - https://twitter.com/money2themasses​​​ #Investing​​​ #StockMarkets​​​ #Shares #investing #moneytips #bonds #stocks #podcast #investingforbeginners

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   Over the past decade, British pensions have undergone significant transformations. With the introduction of Auto-Enrolment, advances in technology, and more flexible regulations, it's become easier for individuals to plan and manage their retirement savings.   As the new government took office, the Chancellor introduced yet more changes to pensions in the Autumn Budget. So, what can we expect moving forward?   Join our host, Philippa Lamb, and our expert panel as they look back at the biggest pension changes over the past decade and how you can plan for a happy retirement in an everchanging world. Founder and Editor of Money to the Masses, Damien Fahy; Money Advice Editor at The Telegraph, Sam Brodbeck; and PensionBee's Founder and CEO, Romi Savova.   Episode Breakdown: 01:01 PensionBee's origin story 03:30 Billions of pounds lost in missing pensions 05:25 Why do people disengage? 08:28 The revolving door of pensions changes 10:04 The big pension changes that have shaped the past decade 12:00 Introduction of Auto-Enrolment 14:41 Pension Freedoms reforms 16:33 Where your money is, exactly 20:20 Understanding market ups and downs 22:52 How do UK pensions compare internationally?   Further reading and listening: To learn more about changes in the pensions industry, check out these articles and podcasts from PensionBee: Episode transcript What does the Autumn Budget 2024 mean for your pension? (Podcast) E26: Are you ready for your 100-year life? (Podcast) E18: How to not run out of money in retirement (Podcast) E12: Financial jargon, what does it all mean? (Podcast) E11: How to prepare for a happy retirement (Podcast) Preparing for retirement checklist Understanding market volatility and how it can impact your pension What does the Autumn Budget 2024 mean for your pension? What is Auto-Enrolment? What is a defined benefit pension? What is a defined contribution pension?   Other useful resources: How do I find lost pensions? (Gretel) Life expectancy calculator (Office for National Statistics) Pension Calculator (PensionBee) Pension Tracing Service (GOV.UK) The Retirement Living Standards (Pensions and Lifetime Savings Association) Trillions: How a Band of Wall Street Renegades Invented the Index Fund and Changed Finance Forever by Robin Wigglesworth (Book)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Money to the Masses (@moneytothemasses) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Times Money Mentor (@timesmoneymentor) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.

In this month's investment market update, Damien explains how Trump's inauguration and the upcoming Santa Rally could impact investment markets as we head into the new year. Where to next and what do investors need to keep an eye on? #Investing #Markets #Finance #GlobalEconomy #Stocks Podcasts referenced in this month's show: https://moneytothemasses.com/news/podcast/mm-177 My name is Damien Fahy, founder of https://moneytothemasses.com/​​​ and each week I discuss what is happening in investment markets so that DIY and novice investors can make sense of what is affecting their investments. For more information about 80-20 Investor visit https://moneytothemasses.com/become-an-80-20-investor If you are looking to get your finances in shape then check out Damien's FREE Money MOT at https://mot.moneytothemasses.com/​​​ Follow Money to the Masses on social media: Website - https://moneytothemasses.com/​​​ Facebook - https://www.facebook.com/moneytothema​​​sses Instagram - https://www.instagram.com/moneytothem​​​asses Twitter - https://twitter.com/money2themasses​​​ #Investing​​​ #StockMarkets​​​ #Shares #investing #moneytips #bonds #stocks #podcast #investingforbeginners

We're thrilled to announce that the series has won two Lovie Awards! We were recognised in both the ‘Best Series' and ‘Best Branded Podcast or Segment' categories. A big thank you to everyone who voted for us!  If you didn't get the chance to vote, why not tell us what you think by giving us a review and a rating? As always, you can send your suggestions and feedback to: podcast@pensionbee.com    On this special bonus episode of The Pension Confident Podcast, we've rounded up some of the best pension tips our guests have shared so far. From choosing the best time to withdraw from your pension to making the most of tax relief, hear important pension topics discussed by experts including:  PensionBee's CEO; Romi Savova; Financial Times Consumer Editor; Claer Barrett; PensionBee's Chief Engagement Officer; Clare Reilly; Money to the Masses Founder; Damien Fahy, PensionBee's Head of Product; Martin Parzonka; Pensions and Lifetime Savings Association Head of Media Relations; Mark Smith; PensionBee's VP Brand and Communications; Rachael Oku; This Girl Talks Money Founder; Ellie Austin-Williams; and PensionBee's Director (VP) Public Relations; Becky O'Connor.    Episode Breakdown: 00:42 Getting started with your pension 01:51 Parental leave and pensions 02:52 Pension beneficiaries and tax 03:22 Your pension and the cost of living crisis 03:49 Taking your pension 04:36 Moving your pension pots 05:23 Pensions vs. ISAs.  Read the episode transcript.   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube Follow @PensionBee on X, Threads, Instagram, TikTok, Facebook and LinkedIn. 

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's episode Damien looks at Vanguard's latest offering—a managed ISA. Is it any good and how does it compare to what's already out there? Andy then looks at the latest cashback apps that are innovating the space and might even tempt those who shun traditional cashback sites. Finally, following the Bank of England's decision to keep the base rate at 5.25% Damien explores whether interest rates have hit their peak. Damien then discusses why rates are unlikely to fall as quickly as consumers hope and what that means for savers and mortgage holders.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.   JamDoughnut app review 5 of the best cashback apps for your smartphone How to choose the best ready-made ISA Which is the best performing Stocks & Shares ISA? Interest Rates Latest

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's episode Damien explains why fixed-fee investment platforms have suddenly become a cost-effective choice for more investors and not just the wealthiest. Damien then explains how to find viable alternatives to the popular Vanguard Lifestrategy funds. Finally, Andy provides an update on the latest scams doing the rounds.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.   Interactive Investor launches SIPP that costs just £5.99 per month - How does it compare? Interactive Investor review Hargreaves Lansdown review Vanguard SIPP review

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's episode Lauren and I discuss the best Money Dashboard alternatives and I reveal my personal top pick. I then delve into the latest innovation in the mortgage sector, highlighting a new fixed-rate mortgage product with an interest rate that is 2% lower than the current best-buys. I also go on to discuss the importance of taking account of a lender's mortgage product fee. Lastly, inspired by a question from our Instagram community, I discuss how children's savings accounts are taxed and why a lot of people will now fall foul of a little-known tax trap.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.   Money Dashboard to close all accounts on 31st October 2023 Moneyhub review Snoop review Emma app review The Money to the Masses Budget planner Starling Bank increases its current account interest rate Skipton announces market-leading 3.35% 2-year fixed-rate mortgage deal Skipton Track Record mortgage review (100% mortgage) Money to the Masses Mortgage best buy tables Speak to a mortgage adviser 35 year mortgages on the rise Amortization mortgage calculator MTTM Mortgage payment calculator MTTM - Ep 392 - Offset mortgages

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's episode Damien discusses bond markets, highlighting the significance of bear steepening and its ripple effect on the global economy. Harvey sheds light on the misconceptions surrounding life insurance for individuals with pre-existing conditions, emphasising its accessibility and affordability. Finally Andy and Damien discuss the employment rights of children, examining the legal constraints on their working hours and what constitutes a fair wage.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.   Speak to a life insurance expert (Free, independent advice on life insurance, critical illness cover and income protection) NHS BMI calculator Ep 197 - Yield curve inversion

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's show Damien explains why history suggests that the Bank of England base rate (and therefore mortgage rates) could stay higher for longer if a second wave of inflation is to be avoided. Damien also looks at money market funds, explaining their pros, their cons, the risks and the potential returns. Finally, Damien and Andy discuss why you should read your energy meter this weekend and how much your energy bill is likely to be this winter compared to last winter.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. IMF: 100 inflation shocks - 7 stylized facts Ofgem energy price cap latest Take out a free trial of 80-20 Investor

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's show Damien discusses the various options if you want to start investing, including Monzo's new investment service. Damien then discusses drip pricing, how much it impacts consumers, how to avoid it, before explaining other pricing strategies to watch out for. Finally, as it's Pension Awareness Week, take part in Damien's pension quiz and see how many you can get right.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Monzo launches investment feature A simple guide to investing a small lump sum The best investment apps in the UK Dodl investment app review Moneybox savings and investment app review Plum investment app review InvestEngine investment app review

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's show Damien explores an alternative to the 4% rule for retirement income, known as dynamic spending. Harvey talks about new developments in children's insurance. Finally, Andy looks at the rules consumers should be aware of when renewing their home and car to ensure they get a fair deal.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Vanguard white paper Plan your own dynamic spending strategy MetLife ChildShield review Health insurance benefits Speak to a broker about children's cover Direct line to pay up to £30 to existing car and home insurance customers Compare home insurance Compare car insurance

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's episode Damien looks at which global stock markets offer the best value and how to take advantage in your investment portfolio. Damien then discusses NS&I's new fixed-rate bonds, their market-leading interest rates and why those with substantial sums of money in cash will be particularly interested. Finally, Damien compares the two options for reducing your mortgage repayments, available to those struggling financially, under the new mortgage charter.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Podcast Episode 421 - Overpaying ahead of a remortgage HSBC announces 40-year mortgage term option Should you move to interest only or extend your mortgage term Where to get free debt advice

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's show we provide a compilation of our best ways to teach children about money before providing new ideas and insights not previously shared on the MTTM podcast.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Podcast Episode 41 Podcast Episode 230 Podcast Episode 266

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's episode I talk about the Dunning-Kruger effect, explaining how it works and what we can learn from it when it comes to financial decision making and investing. Consumer duty has been described as one of the biggest shake-ups to happen to the regulation of financial services and so I provide a summary of what it is and how it is likely to impact businesses and consumers. Finally, I reveal the pros and cons of taking out a joint savings account, including a quick rundown of the best rates on the market currently.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Best Robo Advisers in the UK Cash Savings Ladder Best Savings Accounts in the UK Dunning-Kruger effect

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's episode Damien delves into the wisdom of renowned investors, extracting lessons from their famous quotes on investing. Damien then reveals the latest pocket money trends in the UK, breaking down the average amounts paid by region, age and chore. Finally Andy discusses why investing in Premium Bonds has become more attractive.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Get 5% on instant access savings MTTM Podcast episode 291 Avergage pocket money paid to children throughout the UK in 2022 Premium bonds - Notional interest rate increased to 4.65% from September How do premium bonds work and are they worth it?

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's episode Damien talks through his own pre-holiday "money" checklist which he uses before going away on holiday. It includes tips on travel insurance, currency, car hire, mobile phone usage, what you must remember to do before you travel and more.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Compare the best mobile network for data roaming Do I need travel insurance? Best travel insurance providers in the UK in 2023 The best travel insurance if you have a pre-existing medical condition The best ways to take money on holiday Car hire excess insurance Cheapest airport lounges revealed How to find cheap airport parking Simple tricks to save money on your holiday Dynamic currency conversion explained Holiday travel checklist Podcast Episode 37 - The lost luggage special

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's episode Damien reveals the stock indices that he tracks on his phone each morning and how he uses them to build a picture of what is likely to be driving investment markets. Damien also talks about the 'Six thinking hats' principle which can help provide a framework for informed financial decision-making. Finally, Damien talks about the halo effect, explaining what it is and how to avoid falling foul of it.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Podcast Episode 184 - Getting the most out of your phone's stock app Podcast Episode 246 - How to make better money/investment decisions Six thinking hats

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's episode Damien discuss investing directly in gilts, explaining how lending to the government can give an attractive return, especially for higher-rate taxpayers. Damien then focuses on wills, exploring a real-life case involving Aretha Franklin's discovered will before discussing tips when making a will in the UK. Lastly, Andy reveals the tracker energy tariffs that can be cheaper than the current energy price cap.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Best savings accounts in the UK Bloomberg: Boost your savings by lending to the Government What is the Financial Services Compensation Scheme (FSCS)? Podcast Episode 178 - How to prioritise your finances Podcast Episode 179 - Creating a lasting power of attorney Octopus tracker energy tariff - How does it work and should you switch? Which? Wills review Farewill review

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's episode Damien provides an update on the Summer Portfolio and its performance in 2022. He then discusses recent developments impacting savers including the FCA's efforts to pressurise banks into passing on base rate rises. Damien also highlights a new savings account where the interest rate always matches the Bank of England base rate. Finally, Andy looks at the latest scams and how to protect yourself.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Budget planner Podcast Episode 323 - Sell in May summer portfolio Podcast Episode 377 - Summer portfolio update Investment platforms paying interest on cash Podcast Episode 396 - How to get 7% interest on savings Podcast Episode 277 - How to build a cash ladder Podcast Episode 291 - Savings platforms Best savings accounts in the UK

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's episode Damien explores the impact of changes in the Bank of England base rate on investment markets, including equities, bonds, and commodities. Damien also provides insights on how to position a portfolio to benefit from these changes. Next, Damien discusses the concept of overpaying a mortgage during a high interest rate period and whether it is the best option if you are approaching the end of a low fixed-rate deal in the next couple of years. With 42% of house sellers now accepting offers below their asking price, Damien highlights a tool that can increase your chances of securing your asking price.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Mortgage overpayment calculator Mortgage repayment calculator Mortgage lenders agree to new charter 42% of sellers accepting 5% or more discount on asking prices Find the best and cheapest local estate agent in seconds   Thank you to our sponsor Netwealth Netwealth's wealth management service combines a comprehensive low-cost investment solution with access to qualified advisers. They recently launched MyNetwealth – a digital dashboard that combines all your savings and investments – from multiple providers – in one place. MyNetwealth's wealth planner tool helps you visualise your current wealth and apply it to your future needs. It takes into account various factors such as age, investments, pensions, tax wrappers, and expected contributions or withdrawals – and calculates the likelihood of you achieving your goals. Daily updates make it easy to track the value and performance of your wealth. MyNetwealth also provides a library of useful personal finance content and if you ever need advice or guidance, their highly qualified team is always there to help. You can find out more information and sign up for MyNetwealth in 30 seconds visit my.netwealth.com. Please remember, the value of investments can go down as well as up, so you may get back less than you invest.

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's episode Damien discusses whether it is worth following a fund manager when they leave one investment fund house for another. Damien also explains the new changes in student loan repayment rules that could mean that students will be repaying their loans for almost their entire working lives, acting as an additional 9% tax on income. Finally, Damien and Andy discuss why the Bank of England raised the base rate so aggressively and what it means for where the base rate will be in the future.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Morningstar fund manager research data Student loan repayments set to change: What you need to know Student debt: What you need to know about repaying your student loans Mortgage lenders agree to switching flexibility & 12-month repossession grace period Bank of England base rate increases by 0.50% to 5.00% - What does it mean for you?   Thank you to our sponsor Netwealth Netwealth's wealth management service combines a comprehensive low-cost investment solution with access to qualified advisers. They recently launched MyNetwealth – a digital dashboard that combines all your savings and investments – from multiple providers – in one place. MyNetwealth's wealth planner tool helps you visualise your current wealth and apply it to your future needs. It takes into account various factors such as age, investments, pensions, tax wrappers, and expected contributions or withdrawals – and calculates the likelihood of you achieving your goals. Daily updates make it easy to track the value and performance of your wealth. MyNetwealth also provides a library of useful personal finance content and if you ever need advice or guidance, their highly qualified team is always there to help. You can find out more information and sign up for MyNetwealth in 30 seconds visit my.netwealth.com. Please remember, the value of investments can go down as well as up, so you may get back less than you invest.

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's episode Damien takes a look at the current state of the buy-to-let market, exploring the yields on offer and how the latest mortgage rate hikes, as well as changes to tax rules and legislation, are impacting landlords. Next, Harvey explains how concessionary mortgages work and who can benefit. Finally Damien explains how a tax quirk can allow investors to put up to £36,000 into a Junior ISA in just a matter of months, despite the annual £9,000 contribution limit.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.   Rental yield data by UK region Concessionary mortgages explained Tax loophole that allows parents to add £36k into a Junior ISA in a year

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's episode, Damien explains the concept of value averaging as an alternative investment strategy to achieve a specific future monetary goal. Then, Damien addresses frequently asked questions related to pensions which have emerged from recent live events he's participated in. Finally, Andy provides a quick update on house prices, explaining the significance of recently released data.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.   Value averaging spreadsheet MTTM - Ep 332 - Pound cost averaging weakness Pension Calculator Pension carry forward rules explained MTTM Podcast Episode 372 – Retirement spending truths VouchedFor review Halifax records first annual fall in house prices in 11 years What is going to happen to house prices?

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's show Damien talks about the important numbers and key dates that everyone should know when it comes to their personal finances. Damien then takes a look at a number of different insurance products and reveals the latest claims statistics, as well as how you can increase your own chances of making a successful claim. Finally, Andy talks about some of the medical conditions that could result in a £1,000 fine if you fail to report them to the DVLA.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.   How to find a good financial adviser you can trust How to get more than 5% on your savings PAYE calculator How much is Statutory Sick Pay (SSP)? Free budget planner template Check your state pension age Pension calculator Investment calculator Notify the DVLA of a medical condition

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's show Damien discusses the outlook for the price of gold and how much you should hold in your portfolio. Damien then discusses with Harvey the options if you can't pay off your interest-only mortgage. Finally, the new energy price cap has been announced which takes effect from July. Damien and Andy explain what it will mean for your bills.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's show Damien discusses the US debt ceiling stand-off and its implications for investment markets. Damien look at protecting no-claims discounts on car insurance and whether it's worth the cost. Finally, Damien and Andy explore parking apps, surprise fees & tips on avoiding unnecessary charges.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's show Damien looks in detail at the first 100% mortgage launched in 15 years that doesn't require any financial commitment or backing from the family or friends of those trying to get on the property ladder. Damien assesses the pros and cons of the new product aimed at renters and suggests who might be able to take advantage of it and who won't. Damien provides some words of caution. Damien then goes on to discuss the importance of building and maintaining an investment watchlist and whether it's time to start thinking about fixing your energy bills.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.   Skipton launches 100% mortgage to help renters onto the property ladder Should I fix my energy prices?

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. In this week's podcast we discuss negative equity and what your options are when it comes to remortgaging or if you want to move house. I also explain how the plan I put in place back in 2022 to mitigate rising mortgage and energy costs in 2023 is now helping me to sleep at night. We also look at the latest research on pound cost averaging versus lump sum investing.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.   Vanguard: Why a lump sum strategy makes sense What is negative equity?

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's episode Damien reveals the best tips from the most popular money books in the UK. Damien explains how you can invest to take advantage of the rise in Artificial Intelligence. Finally, Andy discusses the improved offering from Chase Bank and how it stacks up.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.   Chase introduces 1% intrest on current account balances Chase introduces cashback cap: How to avoid it PensionBee podcast live The Total Money Makeover by Dave Ramsey Rich Dad Poor Dad by Robert Kiyosaki The Richest Man in Babylon by George S. Clason The Intelligent Investor by Benjamin Graham The Millionaire Next Door by Thomas J. Stanley and William D. Danko Your Money or Your Life by Vicki Robin and Joe Dominguez The Simple Path to Wealth by JL Collins The Bogleheads' Guide to Investing by Taylor Larimore, Mel Lindauer, and Michael LeBoeuf The Psychology of Money by Morgan House Blueprint to Financial Independence by Chris Mamula, Brad Barrett, and Jonathan Mendonsa

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's episode Damien explains what money market funds are and their drawbacks. Damien also discusses how to research which investment funds are most at risk from a banking crisis. Finally, Damien discusses the implications of maternity leave and pregnancy when trying to remortgage and what your options are.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.   Investment platforms paying the highest interest rate on cash PensionBee podcast live

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's episode Damien explains the impact that auto-enrolment can have on your retirement pot, including how changes to legislation can benefit young and low-paid workers. Damien then speaks to Richard Fernandes, a mortgage expert from online mortgage broker Habito about the current state of the mortgage market, as well as some listener questions on remortgaging. Finally, Lauren joins the show to provide an update on some recent changes to loyalty card schemes and what you can do now to make sure you don't lose out.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.   Auto-enrolment - More can be done What is auto-enrolment? How to set up an auto-enrolment pension scheme Tesco Clubcard rewards being reduced Boots cuts points on reward card Which is the best supermarket loyalty card?

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's epsiode Damien explains what is happening in the banking sector and whether we are likely to experience the biggest financial crisis since 2008. Damien also discusses the changes to pensions announced in this week's Spring Budget and who they will benefit and finally, Andy provides a summary of the Budget including the changes to childcare support and the energy price guarantee   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Budget 2023 pension changes: Boost for wealthy savers and high-earners Spring Budget 2023 – How does it impact you? Working parents to get 30 hours of free childcare support Energy Price Guarantee extended until end of June – what this means for you

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's episode Andy and Damien are joined by a podcast listener who shares how the Black Box podcast positively impacted his life. Damien also shares the one tip that could prevent you from making rash investment decisions and finally, Andy takes us through the 2022/23 end of tax year checklist.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Podcast episode 304: Build your black book End of tax year checklist What is marriage tax allowance 10 best ways to avoid inheritance tax How 20 seconds can make you a better investor

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's episode Damien discusses tax planning measures ahead of the Capital Gains Tax allowance cut in April 2023. Damien also delves into the Gender Pension Gap facing women and discusses what to do about it. Finally, Damien reveals some of the insights gleaned from the latest research carried out for 80-20 Investor members looking to build an income portfolio.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Best mortgage rates in the UK Gender pension gap data from Aviva National Insurance Credits for adults that care for under 12s Find old pensions using the pension tracing service Deferring your state pension Maternity and Paternity leave - Your pension rights 80-20 Investor - Take out a free trial

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's episode I reveal the mobile and broadband providers that bake mid-contract price rises into their contracts as well as those that don't. I also explain your cancellation rights whether you are in or out of contract and I urge listeners to engage with me on Twitter to highlight the issue and demand change. I also explain some of the economic indicators that people should be aware of and how they can influence investment markets. Finally, I reveal the best and worst investment platforms when it comes to paying interest on the cash you hold in your ISA and SIPP.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. 80-20 Investor - Take out a free trial Mobile provider price increases for 2023 Podcast Episode 402 - EU roaming charges Tesco Mobile price hikes revealed Economic indicators Investment platforms paying interest on cash

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's episode Damien explains how those aged between 45 and 70 should check to see if they have any gaps in their national insurance record before the 6th April 2023. From this date new rules come into effect that may prevent you from plugging gaps in your NI record, stopping you from receiving a full state pension. Damien also reveals how you can claim for damage to your car, bicycle or motorcycle caused by a pothole in the road. Finally, Lauren explains how you can earn cashback from a bank account.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. 80-20 Investor - Take out a free trial The Big Mac index Demand flexibility service explained Which banks have the best online security?

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's show Damien discusses the Big Mac index, a price index created in 1986 by The Economist. It provides some light-hearted insight into the purchasing power of currencies using the price of a Big Mac as a benchmark and I explain which currencies are under and over valued based on the index. He also discusses romance scams, explaining how they work before providing some tips that can help you to avoid becoming a victim. Finally, Andy talks about banking apps and reveals the best and worst for online security.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. 80-20 Investor - Take out a free trial The Big Mac index Demand flexibility service explained Which banks have the best online security?

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's show Damien discusses why our energy bills aren't dropping even as wholesale gas prices continue to tumble. Damien explains if and when energy bills are likely to fall and how much you are likely to be paying for the rest of 2023 and next winter. Damien then discusses the outlook for mortgage rates and looks at how much more those looking to remortgage will have to pay each month. Finally, Andy discusses the cheapest airport lounges in the UK.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. 80-20 Investor - Take out a free trial Latest from Ofgem on energy prices Demand flexibility service explained Cheapest airport lounges in the UK

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's podcast Damien talks about more ways to find active funds that back their convictions. Andy provides tips for those who are completing a self-assessment and highlights some allowances you may not be aware of that you can claim. Finally, Lauren reveals the mobile phone operators that are now charging you to use your phone while holidaying in the EU and those operators that don't.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. 80-20 Investor - Take out a free trial Tesco mobile to introduce data roaming charges Compare the best mobile network for data roaming charges Self-assessment tax return tips

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. In this week's episode Damien discusses how to use a fund's active share and tracking error to find fund managers that are investing with conviction. Damien also reacts to the Chancellor's inflation video released on social media this week before Andy discusses how to find the best money saving deals easily.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. 80-20 Investor - Take out a free trial Work out your personal inflation rate Jeremy Hunt explains inflation Latest Money to the Masses Deals

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. In this week's episode Damien and Andy discuss the various private healthcare options that are available. They explain where you should look to see if you are already covered, the key differences between the various types of cover and roughly how much it is likely to cost. Finally, they explain the best way to buy the cover that is right for you and your family.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Speak to an independent private healthcare expert MTTM Podcast Episode 235 - All you need to know about private medical insurance MTTM Podcast Episode 292 - Cut health insurance costs MTTM Podcast Episode 295 - The importance of personal insurance MTTM Podcast Episode 338 - When to claim on insurance 80-20 Investor - Take out a free trial

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's show Damien discusses how new and existing listeners can get their finances into shape for 2023.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. MTTM Podcast Episode 352 - Getting the most from Money to the Masses Complete Cost of Living Guide Debt help 28 Day Financial Fitness Challenge Pension Calculator 80-20 Investor - Take out a free trial

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's show Damien discusses the possible investment themes of 2023 as well as investment bank predictions of where stock markets will be at the end of 2023. Andy and Damien also pick their favourite ideas from MTTM's list of 50 ways to make extra money online and offline.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. MTTM Podcast Episode 351 - Investment outlook for 2022 MTTM Podcast Episode 352 - Getting the most from Money to the Masses 80-20 Investor - Take out a free trial

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. In this week's episode Damien discusses how active and passive funds have fared in 2022 & why conventional wisdoms have been turned on their heads. Damien also reveals an issue that many passive investors may be unaware of. Damien then discuss the mortgage market and the outlook heading into 2023, as fixed rate mortgage deals start to improve. Finally, Andy explains the loan fee scam that the FCA is warning consumers about.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Latest interest rate predictions Bank of England base rate increases to 3.50%: What does it mean for you? Remortgaging in 2023 - should you fix now? Loan fee fraud 80-20 Investor - Take out a free trial

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. In this week's show Damien reveals the savings accounts that offer over 5% interest, including one that is offering a market-leading 7%. Following on from last week where Damien explained the Diderot effect, this week he talks about the Endowment effect and how it can alter people's perceptions of the value of items they own. Finally, Andy talks about charitable gifting this Christmas, including ways you can help others without spending money.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. How to get more than 5% interest on your savings 80-20 Investor - Take out a free trial

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. In this week's show Damien explains how a significant part of your investment portfolio could be sitting in cash and you not even realise, hurting your potential investment returns. Damien discusses the Diderot Effect and why understanding it can curb overspending and help you build wealth. Finally, Andy reveals how thousands of pensioners are owed money after being underpaid on their state pensions. He also explains who is affected and what they can do about it.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. MTTM Podcast Episode 393 – How to make good money habits that stick Pensioners owed more than £1.4bn due to DWP mistakes 80-20 Investor - Take out a free trial Podcast Meet Up - Details

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. In this week's show Damien talks about how to formulate good habits and how these can be applied to money. Damien also explains how the principles can be applied to recognise and break bad habits when it comes to spending. Finally, Andy provides a summary of the Autumn statement and how it will impact you.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. MTTM Podcast Episode 244 – Winning winter portfolios MTTM Podcast 297 – Winter portfolio update The Times: Electric vs Petrol, which is cheapest? Confused.com fuel cost calculator The Express: Electric cars could soon be cheaper than petrol and diesel cars

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. In this week's show Damien talks about how to formulate good habits and how these can be applied to money. Damien also explains how the principles can be applied to recognise and break bad habits when it comes to spending. Finally, Andy provides a summary of the Autumn statement and how it will impact you.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Atomic Habits by James Clear MTTM Podcast Episode 355 – The difference between the poor and the rich MTTM Podcast 184 – Getting the most from your phone's stocks app & car reliability exposed Autumn statement 2022: How will it affect you?

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. In this week's show Damien and Andy reveal how you can check whether your energy supplier has set your monthly direct debit too high. Damien explains why offset mortgages are becoming more appealing and who should consider them. Finally, Damien discusses why we should all talk about money more.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. First Direct Mortgage Calculator MTTM Podcast Episode 276 - Black Economics Matters MTTM Podcast Episode 283 - How to become a millionaire Save up to £100 on your energy bill Energy Direct Debit Calculator from MSE