The Money To The Masses Podcast

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 deals Download the JamDoughnut Cashback app* - Use referral code MTTM to get a £5 welcome bonus Resources: NS&I launches new British Savings Bonds - Are they any good? Best Savings Accounts in the UK Build a cash savings ladder How to apply for 15 hours of free childcare for 2-year-olds How does tax-free childcare work? Best Savings Accounts in the UK Sign 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 deals Download the JamDoughnut Cashback app* - Use referral code MTTM to get a £5 welcome bonus Resources: Best Stocks and Shares ISAs 2024 Agile Octopus Tariff review Octopus Tracker Tariff review 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, 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 deals Download the JamDoughnut Cashback app* - Use referral code MTTM to get a £5 welcome bonus Resources: Pension needed in retirement rises in 2024 Analysis by Pensions & Lifetime Savings Association MTTM - Ep 372 - Retirement Spending Truths 7 tips on how to boost your state pension HSBC launches £220 switching offer Best bank account switching offers Chase changes 1% cashback rules 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

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 deals Download the JamDoughnut Cashback app* - Use referral code MTTM to get a £5 welcome bonus Resources: Pension needed in retirement rises in 2024 Analysis by Pensions & Lifetime Savings Association MTTM - Ep 372 - Retirement Spending Truths 7 tips on how to boost your state pension HSBC launches £220 switching offer Best bank account switching offers Chase changes 1% cashback rules 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 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 deals Download the JamDoughnut Cashback app* - Use referral code MTTM to 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 deals Download the JamDoughnut Cashback app* - Use referral code MTTM to get a £5 welcome bonus Resources: Rate reducer scheme 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,

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* - Search data packs for 200+ countries with airalo Download the JamDoughnut Cashback app* - Use referral code MTTM to 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* - Use referral code JV03 to get a £2 welcome bonus Resources: MoneySavingExpert - Car finance free reclaim tool and guide The best performing managed Stocks and Shares ISA 80-20 Investor - Follow Damien as he invests in his own £50k portfolio Best ISA cashback offers Best Pension cashback offers Does health insurance cover cancer? Vitality life and health insurance review 2024 Is Critical Illness cover worth it? MTTM Podcast Episode 194 - Critical illness myths MTTM Podcast Episode 436 - New cashback apps Section 75 of the Consumer Credit Act Which 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

Welcome to Damien's Market Update for January 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 show Damien and Andy discuss how to take advantage of the cuts to national insurance, which came into effect on 6th January, to improve your finances. Damien then explains why more people will be unaware that they will now have to pay tax on the interest earned on their savings. Damien explains who is impacted, when they need to pay and how to go about it. Finally, Damien discusses the importance of reflecting on past money failures and successes.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. The first ever Money to the Masses article What is the personal savings allowance (and how you can boost it by £5,000) How to fill gaps in your National Insurance record MTTM Podcast Episode 304 - Build your black book MTTM Podcast Episode 408 - Black book revisited Damien's Money MOT

On this week’s show Damien explain the importance of making incremental changes to help improve your financial situation. Damien then explains how new tax rules could impact those with a side hustle. Finally, Andy highlights the key dates in 2024 that are likely to impact 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. The best budgeting apps The Money to the Masses budget planner MTTM Podcast Episode 393 - How to make good money habits What are the new side hustle tax rules and do they affect you? Your money in 2024 - Key dates for your personal finances Damien's Money MOT Sign up to the Money to the Masses weekly newsletter

On this week's show Damien discusses the possible investment themes of 2024 as well as investment bank predictions of where stock markets will be at the end of 2024. Damien also reveals all of the ways in which listeners can engage with Money to the Masses as well the tools and resources available.    Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Damien's Money MOT 80-20 Investor Learn more about investing Subscribe to the Money to the Masses YouTube Channel Sign up to the Money to the Masses weekly newsletter Join the Money to the Masses Facebook group Check out the Money to the Masses Deals

On this week's episode Damien and Andy take a look back at some of their most popular episodes in 2023 covering topics including financial planning, pensions, overpaying your mortgage, tackling debt and how to start investing. Thanks for all of your support in 2023, The Money to the Masses team hope you have a wonderful Christmas and we look forward to welcoming you back in 2024.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. 00:06:48 - MTTM - Podcast Episode 413 - The importance of planning 00:18:15 - MTTM - Podcast Episode 417 - Personal finance numbers everyone should know 00:32:10 - MTTM - Podcast Episode 418 - Pension FAQs 00:47:42 - MTTM - Podcast Episode 421 - Overpaying your mortgage 00:58:38 - MTTM - Podcast Episode 421 - Investing across the interest rate cycle 01:12:24 - MTTM - Podcast Episode 431 - How to start investing 01:36:47 - MTTM - Podcast Episode 437 - The easy way to clear debt  

On this week's episode, Andy discusses the cheapest way to get access to different TV streaming services, including Disney+, Now TV, Netflix, Amazon Prime Video, Apple TV+ and Paramount+. Damien then analyses the historical data of the Santa rally and its potential impact on stock market returns and whether it is losing its magic. Lastly, Damien explains the concept of flexible ISAs and how they can be used to boost the interest you earn on your savings.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Money to the Masses Deals Savings tables MTTM - Podcast Episode 157 - The odds of a Santa rally MTTM - Podcast Episode 300 - Why the Santa rally is under threat