The Money To The Masses Podcast

In this week's episode, Damien discusses the recent changes to Vanguard's charging structure and how this will impact investors using its platform. Damien then provides an analysis of the alternative options available, including the cheapest platforms for ISAs, pensions and general investment accounts. Next, Damien explains how you can check your credit report for free with all three main credit agencies. Finally, Damien discusses the new reporting requirements for platforms like eBay and Vinted that will mean sharing sellers' data with HMRC. Watch the whole show on YouTube ⁠⁠⁠⁠here⁠⁠⁠⁠: Check out this week's ⁠⁠⁠⁠podcast article ⁠⁠⁠⁠on the MTTM website to see the full list of resources from this week's show. 00:00 - MTTM Podcast Episode 489 03:39 - Vanguard's new minimum fee for DIY investors explained 06:03 - Cheaper Vanguard ISA alternatives 10:48 - Cheaper Vanguard Pension alternatives 15:20 - Cheaper Vanguard General Investment Account alternatives 16:54 - How to check your credit report for free 23:55 - New tax rules for selling online Follow Money to the Masses on social media: YouTube - ⁠⁠⁠⁠https://www.youtube.com/moneytothemasses⁠⁠⁠⁠ Facebook - ⁠⁠⁠⁠https://www.facebook.com/moneytothemasses⁠⁠⁠⁠ Instagram - ⁠⁠⁠⁠https://www.instagram.com/moneytothemasses⁠⁠⁠⁠  Tik Tok - ⁠⁠⁠⁠https://www.tiktok.com/@moneytothemasses⁠⁠⁠⁠ Support the 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 earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us. Support the show by visiting and bookmarking our dedicated podcast page: ⁠⁠⁠⁠Money to the Masses Dedicated Podcast Page⁠⁠⁠⁠ - Click to support the show Links referred to in the podcast: Vanguard introduces minimum fee for DIY investors Best Vanguard ISA and Pension alternatives (including heatmaps) Cheapest Stocks & Shares ISAs in 2025 Best & Cheapest Pensions in 2025 Investment platforms paying the highest interest on cash InvestEngine review (including how LifePlans work) Best ISA cashback offers (and fee-free deals) Best pension cashback offers (and fee-free deals) How to check your credit report for free Experian Boost review Tips for completing your self-assessment tax return for 2023/24

In this week's episode, Damien and Andy explain the various ways listeners can get the most out of Money to the Masses, including the Money to the Masses website, our budget planner, Damien's Money MOT tool, savings and mortgage rate tables and various social media channels. Damien then explain how he made over £1,000 in 2024 without even trying. He reveals exactly how he did it and highlights the money apps he used to help automate the process. Finally, he provides a checklist of steps listeners can take towards financial independence in 2025. Watch the whole show on YouTube ⁠⁠⁠here⁠⁠⁠: Check out this week's ⁠⁠⁠podcast article ⁠⁠⁠on the MTTM website to see the full list of resources from this week's show. 00:00 - MTTM Podcast Episode 488 03:52 - Getting the most out of Money to the Masses 18:04 - How I made over £1k without even trying 28:08 - Steps to Financial Freedom Follow Money to the Masses on social media: YouTube - ⁠⁠⁠https://www.youtube.com/moneytothemasses⁠⁠⁠ Facebook - ⁠⁠⁠https://www.facebook.com/moneytothemasses⁠⁠⁠ Instagram - ⁠⁠⁠https://www.instagram.com/moneytothemasses⁠⁠⁠  Tik Tok - ⁠⁠⁠https://www.tiktok.com/@moneytothemasses⁠⁠⁠ Support the 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 earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us. Support the show by visiting and bookmarking our dedicated podcast page: ⁠⁠⁠Money to the Masses Dedicated Podcast Page⁠⁠⁠ - Click to support the show Links referred to in the podcast: The Money to the Masses Homepage Dedicated podcast page - Help support the show 80 20 Investor Money MOT Deals Page Sign up to the free weekly newsletter Money saving guide FREE budget planner Best Mortgage Rates in the UK Best Savings Rates in the UK Best Savings Challenges Jam Doughnut review Which is the best cashback credit card? Build your own black book - MTTM Podcast episode 304 Create your own Black Book (PDF) Best budgeting apps in the UK The snowball method of repaying debt The best online will writing services

In this week's episode, Damien discusses the possible investment themes of 2025 as well as investment bank predictions of where stock markets will be at the end of 2025. Watch the whole show on YouTube ⁠⁠here⁠⁠: Check out this week's ⁠⁠podcast article ⁠⁠on the MTTM website to see the full list of resources from this week's show. 00:00 - Introduction and Overview of Predictions for 2025 02:07 - Market Predictions and Recency Bias 06:17 - Key Themes for 2025: Politics and Economics 11:08 - Gold's Performance and Future Outlook 12:21 - Artificial Intelligence: Opportunities and Risks 15:18 - Central Bank Policies and Their Impact 18:04. -The 60-40 Portfolio: Is It Doomed? 19:42 - The Future of the US Dollar and Market Implications Follow Money to the Masses on social media: YouTube - ⁠⁠https://www.youtube.com/moneytothemasses⁠⁠ Facebook - ⁠⁠https://www.facebook.com/moneytothemasses⁠⁠ Instagram - ⁠⁠https://www.instagram.com/moneytothemasses⁠⁠  Tik Tok - ⁠⁠https://www.tiktok.com/@moneytothemasses⁠⁠ Support the 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 earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us. Support the show by visiting and bookmarking our dedicated podcast page: ⁠⁠Money to the Masses Dedicated Podcast Page⁠⁠ - Click to support the show Links referred to in the podcast: Take out a free trial of 80-20 investor

This week, Damien and Andy are bringing you the best of the best from 2024. An hour long special made up of listener favourites and the most talked about segments Check out this week's ⁠⁠podcast article ⁠⁠on the MTTM website to see the full list of resources from this week's show. Follow Money to the Masses on social media: YouTube - ⁠⁠https://www.youtube.com/moneytothemasses⁠⁠ Facebook - ⁠⁠https://www.facebook.com/moneytothemasses⁠⁠ Instagram - ⁠⁠https://www.instagram.com/moneytothemasses⁠⁠  Tik Tok - ⁠⁠https://www.tiktok.com/@moneytothemasses⁠⁠ Support the 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 earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us. Support the show by visiting and bookmarking our dedicated podcast page: ⁠⁠Money to the Masses Dedicated Podcast Page⁠⁠ - Click to support the show Links referred to in the podcast: Loud Budgeting Free budgeting spreadsheet Ep 460 - Zero spend months Ep 466 - Debt to income ratios Speak to a mortgage broker (Get a free mortgage review) Ep 459 - Alternative ways to help children financially How to become a Millionaire (Podcast special) Concessionary mortgages explained Ep 478 - Future of cash savings Best savings accounts in the UK Best cash and online savings platforms in the UK Ep 448 - How to stack cashback Jam Doughnut review Ep 456 - Teaching the next generation about money