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 DealsSavings tablesMTTM - Podcast Episode 157 - The odds of a Santa rallyMTTM - Podcast Episode 300 - Why the Santa rally is under threat

On this week's episode Damien carries out the annual review of his winter investment portfolio, which uses an investment strategy aimed at capitalising on a seasonal market trend. Damien reveals how the portfolio has outperformed major stock market indices despite being in cash 50% of the time. Then Damien discusses the 'pension pot for life' proposal announced by the government, exploring what is it and how it might work. Finally, Andy examines the energy costs associated with Christmas celebrations. From cooking the turkey to lighting up your Christmas tree, we break down the costs. We also reveal how much higher your energy bill will be if you are hosting this year.   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 - Winter Portfolio - November 2019 MTTM Podcast Episode 297 - Winter Portfolio - November 2020 MTTM Podcast Episode 394 - Winter Portfolio - November 2022 Pension tracing service What is pension consolidation and how do I do it? How to find a good financial adviser you can trust Take out a free trial of 80-20 investor

On this week's episode Damien takes a look at the details hidden in the Autumn Statement, including how much better off you will be after the planned National Insurance cuts. Joel then joins the show to discuss credit card pre-approvals, how they work and how they impact your credit report. Finally, Damien analyses the implications of the rise in the energy price cap that will take effect from January 2024, including how your energy bills will compare to the previous two winters.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.   Autumn Statement 2023 - How will it affect you?National Insurance cut by 2%MTTM Podcast Episode 361 - VCT's and EIS's explainedCredit Cards - What does pre-approved mean?How to improve your credit score quicklyWhere to get free debt adviceOfgem's energy price cap set to rise in January - what this means for youHow to save money on your energy bills

On this week's episode, Damien explains why most people will be hit by unexpected tax bills thanks to something called fiscal drag. Damien then discusses the latest inflation figures that came in lower than widely expected. Damien then goes on to demonstrate why the government's achievement of halving inflation before the end of 2023 is not what it seems. Finally, Andy discusses your consumer rights when it comes to parcel deliveries left on your doorstep.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.   Inflation drops to two year low of 4.6%MTTM - Episode 401 - Inflation truthsMarriage AllowanceMortgage best buy tables

Welcome to Damien's Market Update for November 2023. 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 discusses the Easyway method of how to become debt-free. Damien then discusses what to look out for when buying an investment trust at a discount. He explains why it occurs as well as the pros and the cons. Andy then looks at the Demand Flexibility Service and how much you can get back on 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.   MTTM - Episode 327 - The steps to achieve financial independenceAllen Carr's Easy Way to get out of debtWhat is an investment trust?Demand flexibility service explainedThe cost of leaving devices on standby overnight

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 review5 of the best cashback apps for your smartphoneHow to choose the best ready-made ISAWhich 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 reviewHargreaves Lansdown reviewVanguard SIPP review

Welcome to Damien's Market Update for October 2023. 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 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 2023Moneyhub reviewSnoop reviewEmma app reviewThe Money to the Masses Budget plannerStarling Bank increases its current account interest rateSkipton announces market-leading 3.35% 2-year fixed-rate mortgage dealSkipton Track Record mortgage review (100% mortgage)Money to the Masses Mortgage best buy tablesSpeak to a mortgage adviser35 year mortgages on the riseAmortization mortgage calculatorMTTM Mortgage payment calculatorMTTM - 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 calculatorEp 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 factsOfgem energy price cap latestTake out a free trial of 80-20 Investor

Welcome to Damien's Market Update for September 2023. 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 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 featureA simple guide to investing a small lump sumThe best investment apps in the UKDodl investment app reviewMoneybox savings and investment app reviewPlum investment app reviewInvestEngine 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 paperPlan your own dynamic spending strategyMetLife ChildShield reviewHealth insurance benefitsSpeak to a broker about children's cover Direct line to pay up to £30 to existing car and home insurance customersCompare home insuranceCompare 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 optionShould you move to interest only or extend your mortgage termWhere 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 41Podcast Episode 230Podcast 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 UKCash Savings LadderBest Savings Accounts in the UKDunning-Kruger effect

Welcome to Damien's Market Update for August 2023. 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 CNN fear and greed index

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 savingsMTTM Podcast episode 291Avergage pocket money paid to children throughout the UK in 2022Premium bonds - Notional interest rate increased to 4.65% from SeptemberHow do premium bonds work and are they worth it?