The Money To The Masses Podcast

Welcome to Damien's Market Update for May 2024. Every month Damien will be dissecting the market and providing you with his own unique take on what it may mean for you and your investments. Subscribe now for your monthly insight into the Global Investment Markets. Remember, you can also watch Damien deliver his monthly insights on our Youtube channel

In this week's episode Damien discusses the benefits of implementing a 'zero spend month' or 'limited spend month'. Damien also provides tips on how to increase your chances of success. Damien and Andy then explore the advantages and disadvantages of home swapping holidays. Finally Damien analyses where the market thinks the Bank of England base rate will be over the next 5 years before looking at the current trends in mortgage rates. Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Support the podcast You can now support the MTTM podcast by visiting our dedicated podcast page when making any financial decision. You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners. Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us. Support the show by visiting and bookmarking our dedicated podcast page: Money to the Masses Dedicated Podcast Page - Click to support the show Resources: Links referred to in the podcast: MTTM Deals PageMTTM Podcast Episode 455 - Loud BudgetingHow to budget for beginnersMTTM Ep 393 - How to build good money habits

In this week's podcast Damien discusses share buybacks explaining what they are and the impact they can have on investors. Damien then look at various ways parents and grandparents can help younger family members financially, without impacting their wealth or lifestyle. Finally, Damien explain how energy bill balances fluctuate throughout the year based on the billing start date and why May is a key month in that cycle. Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Support the podcast You can now support the MTTM podcast by visiting our dedicated podcast page when making any financial decision. You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners. Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us. Support the show by visiting and bookmarking our dedicated podcast page: Money to the Masses Dedicated Podcast Page - Click to support the show Resources: Links referred to in the podcast: Ep 286 - Are stock splits good news for investors?Podcast special - How to become a millionaireConcessionary Mortgages explainedEp 219 - Concessionary MortgagesAlternatives to equity release

In this episode, I discuss my latest piece of investment research where I look at consistent funds, and reveal one global equity tracker fund that passes the test. Andy then explores the issue of debanking, explaining what it is and what can be done if it happens to you. Finally, I discuss the nuances of shopping for car insurance and the importance of ensuring you're getting the same level of cover when comparing quotes on different comparison sites. Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Support the podcast You can now support the MTTM podcast by visiting our dedicated podcast page when making any financial decision. You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners. Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us. Support the show by visiting and bookmarking our dedicated podcast page: Money to the Masses Dedicated Podcast Page - Click to support the show Resources: Links referred to in the podcast: What is the cheapest car to insure?Should you protect your no claims discount?10 tips to save money on car insuranceEp 251 - My bank helped fraudsters steal £4k from my children's savings

In this week's episode Damien provides some technical analysis on the FTSE 100 and the GBP/USD exchange rate, explaining where both might head next and how you can carry out your own research for free. Damien also talks about a major credit card provider's change to the minimum payments on its credit cards, including the potential impact it could have on your debt and what you can do to avoid it. Finally, Andy explains why it might be worth considering a number of smaller mobile phone providers over the big four mobile networks. Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Support the podcast You can now support the MTTM podcast by visiting our dedicated podcast page when making any financial decision. You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners. Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us. Support the show by visiting and bookmarking our dedicated podcast page: Money to the Masses Dedicated Podcast Page - Click to support the show Resources: Links referred to in the podcast: podcast articleSee the climate projects that Money to the Masses is currently supporting Barclaycard to cut minimum payment on all credit cards Best credit cards in the UK Best and worst mobile phone providers - Which? research Compare the best mobile phone providers for roaming abroad Sign up for the Money to the Masses newsletter Join the MTTM Community group

In this week's episode I explain the possible reasons behind the significant increase in the price of gold in recent months. I also reveal how a conversation with my daughter led to me explaining how compound interest works and her excitement at discovering how saving small regular amounts from a young age can lead to significant wealth over time. Finally, Andy explains how taxable benefits work and the importance of checking your tax code. Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Support the podcast You can now support the MTTM podcast by visiting our dedicated podcast page when making any financial decision. You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners. Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us. Support the show by visiting and bookmarking our dedicated podcast page: Money to the Masses Dedicated Podcast Page - Click to support the show Resources: Links referred to in the podcast: MTTM Podcast 120 - Investing in goldMTTM Podcast 144 - The truth about goldMTTM Podcast 317 - Bitcoin vs GoldMTTM Podcast 416 - Investing in gold & its outlookThe Money to the Masses Investment CalculatorHow to become a millionnaireCheck your tax code for this tax yearCheck your tax code for previous tax yearsContact HMRC if you have a tax querySign up for the Money to the Masses newsletterJoin the MTTM Community group

Welcome to Damien's Market Update for April 2024. Every month Damien will be dissecting the market and providing you with his own unique take on what it may mean for you and your investments. Subscribe now for your monthly insight into the Global Investment Markets. Remember, you can also watch Damien deliver his monthly insights on our Youtube channel

Damien and Andy make an important announcement about the future of the Money to the Masses podcast. You can now support the MTTM podcast by visiting our dedicated podcast page when making any financial decision. You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners. Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us. Support the show by visiting and bookmarking our dedicated podcast page: Money to the Masses Dedicated Podcast Page - Click to support the show

On this week's episode Damien looks at the launch of the new NS&I British Savings Bond. How does it work, who is eligible and is it any good? Damien and Andy then explain the new rules that have come into force allowing parents of children as young as 2 years old to get 15 hours of free childcare a week. Finally, Damien discusses the Loud budgeting phenomenon that has taken social media by storm. Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Support the show: Check out the latest cashback deals: Best ISA cashback offers and fee-free deals Best pension cashback offers and fee-free dealsDownload the JamDoughnut Cashback app*get a £5 welcome bonus Resources: NS&I launches new British Savings Bonds - Are they any good?Best Savings Accounts in the UKBuild a cash savings ladderHow to apply for 15 hours of free childcare for 2-year-oldsHow does tax-free childcare work?Best Savings Accounts in the UKSign up for the Money to the Masses newsletter If a link has an * beside it this means that it is an affiliated link. If you go via the link Money to the Masses may receive a small fee which helps keep Money to the Masses free to use. But as you can clearly see this has in no way influenced the above editorial. The following links can be used if you do not wish to help Money to the Masses or take advantage of the exclusive Money to the Masses offers - Jam Doughnut App

On this week's show we discuss the Best Stocks and Shares ISA for different types of investor. We also analyse whether our Perfect ISA Portfolio has maintained its track record of making money in every tax year since the year 2000. Finally, we explain how you can get paid to use energy thanks to a particular energy tariff and something called plunge pricing. Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Watch the roundup of the Best Stocks and Shares ISAs in 2024 Best Stocks and Shares ISAs 2024 Support the show: Check out the latest cashback deals: Best ISA cashback offers and fee-free deals Best pension cashback offers and fee-free dealsDownload the JamDoughnut Cashback app*get a £5 welcome bonus Resources: Best Stocks and Shares ISAs 2024Agile Octopus Tariff reviewOctopus Tracker Tariff review80-20 Investor If a link has an * beside it this means that it is an affiliated link. If you go via the link Money to the Masses may receive a small fee which helps keep Money to the Masses free to use. But as you can clearly see this has in no way influenced the above editorial. The following links can be used if you do not wish to help Money to the Masses or take advantage of the exclusive Money to the Masses offers - Jam Doughnut App

On this week's show, Damien delves into how you could unexpectedly face thousands of pounds in charges for a 'courtesy' car provided by your car insurance following a claim—even if it is included as a free benefit in your policy. Damien and Andy then discuss the increasing complaints about loans that have been mis-sold, explaining what constitutes a mis-sold loan and how you can file a complaint (and potentially claim compensation) without the need for a claims management company. Finally, shares his essential 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. Support the show: Check out the latest cashback deals: Best ISA cashback offers and fee-free deals Best pension cashback offers and fee-free dealsDownload the JamDoughnut Cashback app*get a £5 welcome bonus Resources: Pension needed in retirement rises in 2024Analysis by Pensions & Lifetime Savings AssociationMTTM - Ep 372 - Retirement Spending Truths7 tips on how to boost your state pensionHSBC launches £220 switching offerBest bank account switching offersChase changes 1% cashback rules80-20 Investor If a link has an * beside it this means that it is an affiliated link. If you go via the link Money to the Masses may receive a small fee which helps keep Money to the Masses free to use. But as you can clearly see this has in no way influenced the above editorial. The following links can be used if you do not wish to help Money to the Masses or take advantage of the exclusive Money to the Masses offers - Jam Doughnut App

Welcome to Damien's Market Update for March 2024. Every month Damien will be dissecting the market and providing you with his own unique take on what it may mean for you and your investments. Subscribe now for your monthly insight into the Global Investment Markets. Remember, you can also watch Damien deliver his monthly insights on our Youtube channel

On this week’s episode Damien discusses how much annual income you need to have the retirement you want. Damien also explains the pros and cons of deferring your state pension. Finally, Damiena nd Andy reveal an emerging trend in the latest bank switching offers. Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Support the show: Check out the latest cashback deals: Best ISA cashback offers and fee-free deals Best pension cashback offers and fee-free dealsDownload the JamDoughnut Cashback app*get a £5 welcome bonus Resources: Pension needed in retirement rises in 2024Analysis by Pensions & Lifetime Savings AssociationMTTM - Ep 372 - Retirement Spending Truths7 tips on how to boost your state pensionHSBC launches £220 switching offerBest bank account switching offersChase changes 1% cashback rules80-20 Investor If a link has an * beside it this means that it is an affiliated link. If you go via the link Money to the Masses may receive a small fee which helps keep Money to the Masses free to use. But as you can clearly see this has in no way influenced the above editorial. The following links can be used if you do not wish to help Money to the Masses or take advantage of the exclusive Money to the Masses offers - Jam Doughnut App

On this week's podcast Damien and Andy analyse what was and wasn't announced in this week's Spring Budget and what it means for your finances. Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Support the show: Check out the latest cashback deals: Best ISA cashback offers and fee-free deals Best pension cashback offers and fee-free dealsDownload the JamDoughnut Cashback app*get a £5 welcome bonus Resources: Spring Budget 2024 Summary - How will it impact you? New National Insurance cuts UK ISA announced - How will the 'British ISA' work? Income threshold for Child Benefit tax increased to £60,000 Start or restart Child Benefit payments Spring Budget in full from GOV.UK 80-20 Investor If a link has an * beside it this means that it is an affiliated link. If you go via the link Money to the Masses may receive a small fee which helps keep Money to the Masses free to use. But as you can clearly see this has in no way influenced the above editorial. The following links can be used if you do not wish to help Money to the Masses or take advantage of the exclusive Money to the Masses offers - Jam Doughnut App

On this week's show, we discuss the new Rate Reducer Scheme which could cut a new-build buyer's mortgage rate down to as low as 0.99%. We also discuss the income fund opportunities for those looking to build a portfolio that generates an income to keep pace with inflation. Finally, I explain the Japanese method of saving money as well as the benefits of financial journalling. Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Support the show: Check out the latest cashback deals: Best ISA cashback offers and fee-free deals Best pension cashback offers and fee-free dealsDownload the JamDoughnut Cashback app*get a £5 welcome bonus Resources: Rate reducer scheme80-20 Investor If a link has an * beside it this means that it is an affiliated link. If you go via the link Money to the Masses may receive a small fee which helps keep Money to the Masses free to use. But as you can clearly see this has in no way influenced the above editorial. The following links can be used if you do not wish to help Money to the Masses or take advantage of the exclusive Money to the Masses offers - Jam Doughnut App,

Welcome to Damien's Market Update for February 2024. Every month Damien will be dissecting the market and providing you with his own unique take on what it may mean for you and your investments. Subscribe now for your monthly insight into the Global Investment Markets. Remember, you can also watch Damien deliver his monthly insights on our Youtube channel

In this week's episode Damien discuss 'Dow Theory', a cornerstone of technical analysis in investing, explaining how it can be used when trying to predict market trends. Damien and Andy then discuss the latest cut to the energy price cap and how an innovative tariff from British Gas could signal a wave of better deals for energy customers. Finally, Damien discusses the introduction of eSIMs by Revolut, allowing users to access mobile services at reduced costs while travelling abroad. Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Take Action: If you feel empowered to take action based on what you've heard in this week's show, you can help support the Money to the Masses Podcast by clicking on the links below. Check the best eSim deals* Download the JamDoughnut Cashback app*get a £5 welcome bonus Resources: MoneySavingExpert - Car finance free reclaim tool and guide Resolver - Free online complaints tool Dow theory Dow Jones industrial average (Yahoo Finance) Dow Jones transportation average (Yahoo Finance) British Gas launches fixed energy tariff with a 'Price Promise' What is the cheapest fixed-price energy tariff? 80-20 Investor - Follow Damien as he invests in his own £50k portfolio If a link has an * beside it this means that it is an affiliated link. If you go via the link Money to the Masses may receive a small fee which helps keep Money to the Masses free to use. But as you can clearly see this has in no way influenced the above editorial. The following links can be used if you do not wish to help Money to the Masses or take advantage of the exclusive Money to the Masses offers - Jam Doughnut App, and Airalo.

On this week's episode, Damien look at the best performing managed Stock and Shares ISAs. Damien and Andy then discuss cancer insurance and how it works. Finally, Andy talks through how to cashback stack effectively. Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Take Action: If you feel empowered to take action based on what you've heard in this week's show, you can help support the Money to the Masses Podcast by clicking on the links below. Speak to a health insurance expert*Download the Jam Doughnut Cashback app* Resources: MoneySavingExpert - Car finance free reclaim tool and guideThe best performing managed Stocks and Shares ISA80-20 Investor - Follow Damien as he invests in his own £50k portfolioBest ISA cashback offersBest Pension cashback offersDoes health insurance cover cancer?Vitality life and health insurance review 2024Is Critical Illness cover worth it?MTTM Podcast Episode 194 - Critical illness mythsMTTM Podcast Episode 436 - New cashback appsSection 75 of the Consumer Credit ActWhich are the best cashback credit cards? If a link has an * beside it this means that it is an affiliated link. If you go via the link Money to the Masses may receive a small fee which helps keep Money to the Masses free to use. But as you can clearly see this has in no way influenced the above editorial. The following links can be used if you do not wish to help Money to the Masses or take advantage of the exclusive Money to the Masses offers - Jam Doughnut App, and Howden Life & Health.

On this week's show Damien discusses the potential mis-selling of car finance and the impact it could have on consumers. Damien then conduct an investment-themed quiz before Andy talks about self-assessment tax returns and the penalties for late filing. Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. FCA launches car finance review

On this week's show Damien explains the potential drawbacks of certain types of ETFs. Harvey then joins Damien and Andy to discuss the rising cost of funerals and the various ways you can plan ahead. Finally, Damien discusses a different approach to the traditional 'FIRE' movement (Financial Independence Retire Early) Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Life insurance or funeral plan: Which is best? Fund types explained: Episode 7 of our 'Grow it' investing series Money to the Masses Investment Calculator Money to the Masses Pension Calculator Damien's Money MOT