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
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Closing the UK’s Advice Gap, With Ruth Handcock OBE, Octopus Money CEO
In this episode of Keep The Change, Tom is joined by Ruth Handcock OBE, CEO of Octopus Money. Ruth’s had a pretty extraordinary career – working in Sierra Leone, leading a fast-growing financial wellbeing business, and now shaking up how millions get money advice. She talks about how growing up in a single-parent household shaped her views on money, why she’s so determined to close the UK’s “advice gap”, and what really went through her mind when she opened the letter about her OBE. They get into financial equality, making big calls, and the small changes that can make a huge difference to your future.Send us a text
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44:10
Educating Young People on the Power of Investing with Ola from All Things Money
In this episode of Keep The Change, Tom chats with Ola, founder of All Things Money, a platform that helps young people take charge of their finances with relatable and practical content. They discuss the UK’s financial literacy gap and why many young people leave school without the basic money skills they need. Ola explains how this lack of education can affect money decisions down the road and shares how we can start closing that gap with easy-to-understand resources and honest conversations about money.They also dive into why investing often feels confusing or out of reach, bust some common myths, and explore ways to make investing more approachable. Plus, they cover everyday money topics like saving, budgeting, building wealth, and gaining confidence when it comes to managing your finances.Send us a text
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39:49
Premium Bonds: A Safe Bet or Just a Bet?
In this episode of Keep The Change, Tom is joined by Kristian Manton, chartered financial adviser at Octopus Money and the youngest person in the UK to pass the highest level of adviser exams. Together, they explore one of Britain’s most beloved yet misunderstood savings products: Premium Bonds.Are they a smart way to grow your money, or just a feel-good financial illusion? Tom and Kristian unpick the myths and the maths behind Premium Bonds, examining why so many people still hold onto them and why they may not be the best option for your savings.Whether you have Premium Bonds gathering dust or are just starting to think about saving, this episode offers clear insights to help you make more informed financial decisions—no luck required.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.
UK