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...

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...

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...

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...

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,...

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...

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...

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...

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.   ...

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...

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...

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...

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...

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...

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...

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...

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...

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...

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...