The Money To The Masses Podcast

• Ep 508 - UK Wealth Uncovered (Where do you rank?) & Winter Fuel Payment Update

  In this week's podcast, Damien examines the latest wealth data, which reveals the average wealth of UK households by age and region, looking at everything from property and pensions to savings and investments. Damien also covers the significant update to the Winter Fuel Payment for the upcoming winter, explaining the new rules, who will be eligible, and how a new income threshold will affect higher-earning pensioners.Check out this week's ⁠⁠⁠⁠⁠⁠podcast article⁠⁠⁠⁠⁠⁠ on the Money to the Masses website to see the full list of resources from this week's show(00:00) - Money to the Masses Episode 508(05:44) - Understanding Wealth in the UK(06:41) - Household Wealth by Age(08:55) - The Importance of Median Wealth(12:10) - Wealth Distribution in the UK(18:06) - Geographical Variations in Wealth(18:55) - Savings Trends and Rates(22:43) - Changes to Winter Fuel PaymentsFollow Money to the Masses on social media:YouTube - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/moneytothemasses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/moneytothemasses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/moneytothemasses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Tik Tok - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@moneytothemasses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠You 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 showLinks referred to in the podcast:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Direct Debit WarningAverage UK Household Savings & Wealth 2025 Data by NimblefinsONS Household Wealth DataUpdate to Winter Fuel PaymentTry out the Money to the Masses Money MOTIf a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.

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  30:42
• Ep 507 - UK Property Special: Latest on Mortgage rates, Products, Affordability tests & House prices

  In this week's podcast, Damien provides a comprehensive update on the UK property and mortgage market. He reveals the latest Bank of England interest rate predictions, provides a snapshot of the best mortgage deals currently available and how you can lock in a mortgage rate in advance of your existing one ending. He also discusses the re-emergence of 100% (zero-deposit) mortgages, detailing the newly launched products and eligibility requirements. Next, he provides an update on changes to affordability, with lenders offering higher income multiples and relaxing stress-testing rules. Finally, Damien takes a look at what is happening with house prices using the latest data from the UK's main house price indices.This episode is sponsored by Coinbase - Visit⁠ ⁠⁠⁠Coinbase*⁠⁠⁠⁠ to learn more. Crypto comes with unique risks,⁠ ⁠⁠⁠take 2 minutes to learn more⁠⁠⁠⁠Check out this week's ⁠⁠⁠⁠⁠podcast article⁠⁠⁠⁠⁠ on the Money to the Masses website to see the full list of resources from this week's show(00:00) - Money to the Masses Podcast Episode 507(04:47) - Understanding Interest Rates and Their Impact(08:26) - Current Mortgage Rates and Best Deals(15:49) - Options if yiy are Struggling to Get on the Property Ladder(18:16) - Zero Deposit or '100%' Mortgages and Their Implications(20:36) - Navigating Income Multiples and Affordability Changes (20:40) - The Impact of Stress Testing on Borrowing Capacity(24:21) - Analysing UK House Prices and Market TrendsFollow Money to the Masses on social media:YouTube - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/moneytothemasses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/moneytothemasses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/moneytothemasses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Tik Tok - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@moneytothemasses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠You 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 showLinks referred to in the podcast:⁠⁠⁠⁠⁠⁠⁠⁠⁠Where next for interest rates? Check out our predictionsBest Mortgage Rates in the UKMortgage Comparison ToolHow to find a mortgage broker you can trustSkipton track record mortgage reviewApril mortgages launches zero deposit mortgage optionsGable mortgages' zero deposit mortgage optionsWhat is going to happen to UK house prices?⁠⁠⁠⁠⁠⁠⁠⁠⁠If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.

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  31:48
• Ep 506 - Ethical & sustainable investing explained, Cash ISA hack & Energy payouts

  In this week's episode, Damien takes a look at ethical and sustainable investing, explaining the FCA's new fund labelling rules (SDR) and shares some of the best free tools that can help you find investments that match your values.Next, Andy explains how some energy customers who had prepayment meters wrongly installed could receive up to £1,000 compensation. Then, with the energy price cap due to fall, Damien looks at the latest fixed-price energy deals and how much you can save.Finally, Damien reveals a simple 'hack' that allows you to switch your Cash ISA between providers via the click of a button, ensuring you can secure a competitive interest rate.This episode is sponsored by Coinbase - Visit ⁠⁠⁠Coinbase*⁠⁠⁠ to learn more. Crypto comes with unique risks, ⁠⁠⁠take 2 minutes to learn more⁠⁠⁠Check out this week's ⁠⁠⁠⁠podcast article⁠⁠⁠⁠ on the Money to the Masses website to see the full list of resources from this week's show(00:00) - Money to the Masses Podcast Episode 506 (08:11) - Understanding Sustainable Investing (15:03) - Navigating Ethical Investment Tools and Resources (18:48) - Evaluating Ethical Investment Performance (20:24) - Investigation into Prepayment Meters and Compensation Agreement (24:20) - Energy Price Cap Update (26:37) - Cash ISA HackFollow Money to the Masses on social media:YouTube - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/moneytothemasses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/moneytothemasses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/moneytothemasses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Tik Tok - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@moneytothemasses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠You 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 showLinks referred to in the podcast:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠S&P Global Rating Tool⁠⁠Fidelity Investment Finder⁠⁠ii Ace 40 List⁠⁠Morningstar Fund Screener Tool⁠⁠Ethical Performance Analysis (Managed Portfolios from Nutmeg, Moneyfarm and Wealthify)⁠⁠Energy customers to get up to £1,000 compensation⁠⁠Should you fix your energy tariff? ⁠⁠Cheapest fixed-price energy tariffs in the UK⁠If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.

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  32:06
• Ep 505 - Pension transfer tips, 10 common credit myths & SIM swap fraud

  In this week's episode, Damien takes an in-depth look at pension transfers. He provides a list of pros and cons, shares the latest research on how long pension transfers take with different providers and finishes up with a guide on how the pension transfer process works. Next, he debunks 10 common credit myths, addressing misconceptions about credit scores, debt management and the impact of making various financial decision. Finally, Andy highlights the alarming rise of SIM swap fraud, explaining how it works, the risks of compromised two-factor authentication and the essential steps you can take to avoid becoming a victim.This episode is sponsored by Coinbase - Visit ⁠Coinbase*⁠ to learn more. Crypto comes with unique risks, ⁠take 2 minutes to learn more⁠Check out this week's ⁠⁠podcast article⁠⁠ on the Money to the Masses website to see the full list of resources from this week's show (00:00) - Episode 505 of The Money to the Masses podcast(04:45) - Pension Transfers(13:26) - 10 popular credit myths(21:12) - Sim Swap fraudFollow Money to the Masses on social media:YouTube - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/moneytothemasses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/moneytothemasses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/moneytothemasses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Tik Tok - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@moneytothemasses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠You 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 showLinks referred to in the podcast:⁠⁠⁠⁠Pension Transfer OffersBest Pension in the UKHow to transfer your pension - everything you need to knowHow to find a good financial adviser you can trustTake out a free trial of 80 20 investorIf a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.

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  31:00
• Ep 504 - Holiday Scams, Tax Code Checks & Direct Debit Warning

  On this week's show, Andy highlights seven of the most prevalent holiday scams to watch out for as summer approaches. Next, Damien takes a look at UK tax codes, explaining how they work, what the letters and numbers mean (eg. 1257L), why they can often be incorrect and the steps you can take if you think your code is wrong. Finally, Damien shares a critical warning for those who diligently pay off their credit card in full each month after he discovered a little-known issue that could inadvertently harm your credit score. This episode is sponsored by Coinbase - Visit Coinbase* to learn more. Crypto comes with unique risks, take 2 minutes to learn moreCheck out this week's ⁠podcast article⁠ on the Money to the Masses website to see the full list of resources from this week's show (00:00) - Episode 504 of The Money to the Masses podcast(04:45) - Holiday Scams: Seven Ways Fraudsters Target Your Getaway(13:26) - Decoding Your Tax Code: Are You Paying the Right Amount?(21:12) - A Word of Warning for Those Who Clear Their Credit Card in FullFollow Money to the Masses on social media:YouTube - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/moneytothemasses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/moneytothemasses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/moneytothemasses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Tik Tok - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@moneytothemasses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠You 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 showLinks referred to in the podcast:⁠Best travel insurance providers in the UKEpisode 477 - Ghost BrokersMore information on Tax Codes and how to get them resolvedTake out a free trial of 80 20 investorIf a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.

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  31:20

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