The Autumn Budget 2025: What changed, what didn’t, and what to do next
The Autumn budget landed yesterday: the headlines were noisy and the detail was confusing, so we pulled it apart.Tom and Kristian break down the Autumn Budget in plain English: What changed, what stayed frozen, and what this means for your money. We also took some of your questions to bring the changes to life.Got ideas for our next episode? Send us a textSend us a text
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31:25
Parenthood, pay and pensions: two CEOs on beating the penalty
Kids are pricey. But the hidden costs hit harder: not in your trolley, but in your payslip, pension and career.Tom is joined by two female CEOs to unpack the parenthood penalty and how to fight it. Michelle Kennedy, founder of Peanut and author of It Takes a Village, shares what new mums really face. Ruth Handcock, CEO of Octopus Money, explains why childcare is an investment in your career and how planning early changes outcomes. You’ll hear honest talk on parenthood and how two leaders are rewriting the rules on work, family and finance.Send us a text
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50:29
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50:29
How to Prepare for the Autumn Budget
The Autumn Budget always grabs attention. This year’s, on 26 November, has sparked plenty of speculation about what it could mean for pensions, property and investing. But what really matters for your money?In this solo episode of Keep the Change, Tom Francis, Head of Personal Finance at Octopus Money, takes a look at the Autumn Budget rumours: what’s realistic, what’s just noise and how to prepare your finances before any changes land.This podcast is for informational purposes only and does not constitute personal advice. Send us a text
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28:30
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28:30
The True Cost of Divorce with Kate Daly
Divorce can be messy. Not just emotionally, but financially too. Legal fees, two sets of lawyers, two homes: the costs rack up fast.After going through it herself, Kate Daly co-founded Amicable to prove there’s a better way and help people separate without the stress. She joins Elsie to talk about the real price of splitting up, the financial traps people don’t see coming, and how to get back on your feet without staying stuck in survival mode.And stick around for this week’s Dear Elsie, where Kate tackles your money questions.Send us a text
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33:03
Buying a Home in 2025: Is The Dream Still Alive?
Buying a home has never felt harder: high interest rates, confusing mortgage jargon, and rising costs are pushing first-time buyers to the brink. But is it still possible?In this episode, Tom is joined by Octopus Money Mortgage Adviser Ramneet Bains to unpack the reality of buying in 2025. They explore what most people get wrong about mortgages, how much you really need to save, and why fixed vs variable rates are about more than just interest. Ramneet also shares his take on renting vs buying, whether it ever makes sense to invest your deposit, and what he’d change if he were Prime Minister for a day.Send us a text
Keep The Change is here to crack open the black box of personal finance – because let’s be honest, most of us were never really taught how money works. We’re on a mission to make finance less confusing, more engaging, and actually useful for real life.Each episode, we'll break down the money questions that matter.-Smart, simple ways to make your money work harder-Conversations with experts who help real people every day-The human stories behind how we earn, spend, and save Whether you’re trying to make smarter money moves or just want to feel more in control of your finances, we’ve got you covered.
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