Jasper (@jasperinvests) joined me on this episode to talk about FX rates and how they impact us as UK investors. A very important topic that most aren't aware of. First, we discussed the S&P 500 returns for US investors compared to UK investors. Surprisingly, and we dug into the historical data, the returns can vary massively in any individual year. There can be huge swings and differences in returns that US and UK investors receive in any given year, all because of FX. However, over...

Emma from Bee Money Savvy (@beemoneysavvy) - a previous winner of Best Money Saving Blog - joined me on this episode to talk about two things. 1) Her blogging journey, where she now makes more money than her day job and 2) three key money saving tips that you should implement. First, we talk about Emma’s blogging journey and how she turned her side hustle into a money maker, all whilst continuing to work her day job for the NHS. I asked Emma a range of questions from how and when did she...

Tej from @tejtalks joins me on this podcast episode to discuss all things branding (check out the timestamps further below in the description to see what we cover). Branding is everything. From the perspective of a personal brand or a business brand. We discussed the importance of branding and where to start, before moving on to how to actually build a brand and stand out. Towards the end of the podcast we spoke through monetisation. Different ways to monetise, with some more lucrative...

Laura Ann Moore from @laura_ann_more joins me on this special audience answered podcast episode. I asked my audience on social media 'what is your biggest financial mistake' and got a number of responses - some funny, some serious, some sad, some relatable. Laura and I go through a number of these responses (all timestamped below if you want to jump around) where we discuss them and provide guidance where we can, drawing on our own experiences and knowledge. Listen to the full episode for...

100% mortgages are back. In this episode, I give you all of the information that you need to know. 100% mortgages were already available, but you needed a guarantor/financial backing from friends or family. The 100% mortgage referred to in this episode is a new product from Skipton Building Society, with no guarantor/financial backing needed. In this episode I go through everything that you need to know about these 100% mortgages - what the conditions are, how the finances work, pros,...

Tom from @TomTalksMoney_ joined me on this episode of the podcast to discuss all things matched betting. Unbelievably, Tom started matched betting and then took it full time for 4 years, the perfect guest for this episode. First, we discuss what is matched betting and how we can actually get started, including the best platforms to use. You can get started from as little as £50, but ideally if you can start with around £200 that would be ideal. Second, we talked numbers, specifically how...

In this episode I’m joined by Brian from The Frugal Spender to discuss the difference between being frugal, being cheap and being tight. We went through what these terms actually mean. All of them have some negative connotations, but being frugal is: using your resources in the most efficient way possible to maximise your personal benefit. This sounds pretty good and what we want to aim for, as opposed to being cheap/tight. We also went through a number of actionable ways to be frugal and...

In this episode I’m joined by Sarah from @altstproperty and we discuss what will happen to the property market in 2023. It's always hard, and nearly impossible, to predict what will happen to the markets. But we tried out best! First, we discussed what happened to the property market in 2022 and more broadly over the last few years. Second, we delved into discussing what could happen to the property market in 2023 - given current conditions of inflation, interest rates, house prices, and...

In this episode I’m joined by Kate from @moneymindsetmother and we discuss how to effectively manage your money as a parent. Kate is a mum of 3 and is very experienced at managing her own money and her families money so is the perfect guest for this episode. First, we discussed the transition to managing money from a non-parent to a parent. One of the most important things is to know your numbers - knowing exactly what is coming in and going out each month. This comes back to budgeting...

Richard Brown from @thepropertyvoice joins me (again) on this episode to share some property wisdom. This time on some of his 'Property First Principles'. This includes: The 18-year property cycle - what it is, how you can use it to your advantage, and when the next crash might me. Leverage and 'other people's money' - how property can accelerate your wealth building path. Being a property investor - including the '3F's', which are forcing the discount, forcing the appreciation and...

Richard Brown from @thepropertyvoice joins me on this episode to discuss how we can turn our own homes into an investment or an asset. It is worth saying that it is contentious as to whether a home is an asset or a liability, each person has a different opinion. But, a general definition is that an asset 'puts money into your pocket' and in this podcast we talk through how you can do exactly that. First, we touch on some tax efficiencies through buying your first home - particularly by...

Inflation is currently at 9.1% in the UK (a 40-year high) and is a large concern for many people as everyday items becoming increasingly more expensive. In this podcast episode I cover everything that you need to know about inflation. Starting with the basics of what it is and how it is measured. Before moving onto why governments actually want inflation, how they attempt to control inflation, and the impact inflation has on our finances. Finally I talk through whether you should be worried...

Ola from @allthingsmoney_ joined me on this episode of the podcast all about the current cost of living crisis. First, we discuss what the 'cost of living crisis' is and why we're in this position. There are a number of factors that have contributed to the position that we are currently in. Next, we talked through what this means for us. In short, due to the cost of living crisis and inflation our money unfortunately is not going as far. Finally, and hopefully most helpful, we go through...

In this podcast episode I run through 13 tax-free allowances that we should know about in 13 minutes. This is just in time for the end of the tax year on 5th April and for the start of the new tax year on 6th April. The majority of these allowances are 'use or lose', so if we don't use them up they do not rollover and are lost forever. We then get a fresh, new set of allowances whenever a new tax year starts on 6th April.  These allowances range from income allowances, such as the £12,570...

Josh from @becomingfinanciallyfree_uk joined me on this episode of the podcast to discuss everything NFTs. First, we went through the basics of NFTs and web3, what they are and what they actually mean. Second, we discussed the reasons why NFTs could be a good investment, but also why they are an incredibly risky investment to make. Third, we went through the 3-step process to start investing in NFTs in reality. This includes opening up an account on an exchange, opening a wallet, and then...

Jack from MakingTaxSimple joined me on this episode of the podcast to discuss how we can invest tax efficiently.  First, we talked through Stocks & Shares. These are powerful as they give us a £20k yearly allowance with all gains, dividends and bond interest being tax free. Not to mention that they are flexible and we can withdraw money whenever we like. Second, we talked through pensions. If you have an employer match these accounts are certainly the most lucrative. But, whether its a...

👉Watch on Youtube here: https://youtu.be/XakwCe2gFLY Nick from Nick JM joined me on this episode to discuss global investing and why we use global funds to invest.   First, we gave a introduction into global funds - what they are and their pros and cons. A huge pro is that it's impossible to predict where the stock market will be in the future, which companies will be the largest, which countries will be the best, and so on, which makes global investing a great and simple approach due to...

Charlotte from @lookingafteryourpennies joined me on this episode to discuss a very common question - if you have some extra money per month, should you use this to invest more or pay off your mortgage quicker? First, we talked about the benefits of investing more per month. Conclusively, by investing more per month, you're likely to earn a higher return. This is because the stock market averages around 8% per year over the long term. But, even if this annual average return is much lower at...

CK from @cktalksmoney joined me on this episode to talk all about mortgages. This episode is your crash course guide to understanding mortgages. First, we talked about what a mortgage actually is and how the process of getting a mortgage works. CK broke it down very simply and walked us through the process of how getting a mortgage works in practice. As part of this we also spoke about using a mortgage broker, the pros and cons of this, and how this compares to using a bank. Next, we talked...

Thando and Lindie from @skilledfinances joined me on this episode to talk about managing your money whilst being in a couple. First, we talked about whether there is a 'blueprint' that could be followed when it comes to managing your money in a couple. Thando and Lindie shared their approach and some specific questions to ask your other half to help get the conversation about money going. Next, we talked about how to manage your money as a couple. Should you use a joint account? Should you...

Niaz & Shaq from @millennialmoneyuk joined me on this podcast to discuss all things crypto.  Right at the start of the discussion Shaq broke down what Bitcoin is and some of the features it possesses. These features include: decentralised, transparent, immutable. Niaz then explained one of the key reasons why Bitcoin has had such a great time over the last twelve months, due to institutional investors and hedge funds buying into Bitcoin. This is a stark contrast to 2017 where the...

Tara from @allourbestintentions joined me on this podcast episode to discuss SIPPs. A SIPP, or Self Invested Personal Pension, is one option available for us in the UK to invest for the long-term. These differ to Workplace Pensions (which is what I currently have), so we first started by talking about the difference between the two. Tara then talked us through how the pension tax relief works, as well as the basics of what SIPPs are and who they are for. We also discussed the various SIPP...

Anna from @pandabossanna joined me on this episode to talk about passive income streams and side hustles. Building up passive income streams, whether that's through investing or a side hustle, is a goal that many people have so that they can be 'free' from working a 9-5 job. We started off the podcast by defining passive income and how it compares to active income. Anna and I also touched on the reality of building passive income streams in that they require a lot of upfront work by us...

Laura joins me on the podcast to discuss how she saved £15,000 and then £25,000, before taking the plunge to making her first investment in 2020.  Many people are in a similar position where they are able to save money but struggle to get started investing, whether that's out of fear or out of procrastination, or a bit of both. In this episode we talk through Laura's journey of how she managed to save huge sums of money even on a relatively low salary. We then discuss how she started to...