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Georgie Frost

This Is Money: What does the Budget mean for you - and did Rachel Reeves fo a good job?

Georgie Frost
Original Broadcast:

This is Money

This Is Money: What does the Budget mean for you - and did Rachel Reeves fo a good job?
Rachel Reeves' maiden Budget last week saw the first-ever female chancellor make £40billion of sweeping tax rises in to plug funding gaps in the NHS and schools. While it left many of us with something to be miserable about when it comes to our money, there were also some important dodged bullets, as Simon Lambert, Georgie Frost and Helen Crane discuss. Among the losers were landlords, investors and those who have stashed wealth in their pension, as stamp duty, capital gains tax and inheritance tax all came under the spotlight. The attack on the middle classes was perhaps to be expected from a Government which has told us those with the broadest shoulders must bear a bigger burden. But aside from a rise in the minimum wage and 1p off a pint, did the Budget give enough of a boost to 'working people' — and will changes to employers' National Insurance Contributions indirectly hit them in the pocket anyway? Given growth was the buzzword of the Labour election campaign, did Reeves miss an opportunity to get people excited about British industry and entrepreneurship? We also dig into what wasn't announced in the speech, including a not-so-fond farewell to the short-lived British ISA, and a child benefit change that could have helped single parents found itself on the scrapheap.
Guest:

Helen Crane


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Georgie Frost

This Is Money: Private vs public sector pensions — and how to avoid a race to the bottom

Georgie Frost
Original Broadcast:

This is Money

This Is Money: Private vs public sector pensions — and how to avoid a race to the bottom
Are private sector retirement plans being put at risk in order to help strengthen public-sector gold-plated pensions? Georgie Frost discusses this and other topics with Simon Lambert and Lee Boyce, including a couple of irritating taxes, where interest rates will be next year and whether you should get a LISA if you already own a home. Plus, they identify some key property hotspots.

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Georgie Frost

This Is Money: Can we turn pension saving into a fix for our finances?

Georgie Frost
Original Broadcast:

This is Money

This Is Money: Can we turn pension saving into a fix for our finances?
Savings plans to help financial resilience — are they any use? New tipping rules, and parents helping as mortgage lenders. Georgie Frost, Simon Lambert and Lee Boyce discuss (Lee also shares thoughts about his various collections over the years).

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Georgie Frost

This Is Money: How to manage your money — and what we do with ours

Georgie Frost
Original Broadcast:

This is Money

This Is Money: How to manage your money — and what we do with ours
How well do you manage your money? Where would you rate your budgeting, saving, investing and pension efforts in marks out of ten? It's not often that we think about these things but mulling them over and making improvements where needed and patting yourself on the back when deserved, is a major step on the road to financial success. Georgie Frost and Simon Lambert dial down the noise of the news and dive into how we can manage our money better instead. They discuss tips on how to budget, how to boost your savings and returns, how easy or complicated investing should be, and why a pension is the best and easiest way to get rich. They also share an honest look at their own money management and finances, revealing what they do well, what they just about get by at — and the mistakes they make. Plus, when should you decide to get the professionals in and seek financial advice or financial planning? Simon and Georgie discuss that and the costs. And financial planner Dan Beecroft, of Charles Stanley, joins the show to talk about why people seek financial advice and the questions they ask.
Guest:

Dan Beecroft


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Georgie Frost

This Is Money: How to protect your finances before the Budget (and what to avoid)

Georgie Frost
Original Broadcast:

This is Money

This Is Money: How to protect your finances before the Budget (and what to avoid)
With just one month to go before the Budget, Georgie Frost, Simon Lambert and Lee Boyce discuss what you might consider doing to prepare for it? Give money away, use allowances (CGT, ISA, pension contributions) to the full, or leave the country? The team reminds us that 'don't panic' is often the best way forward. There's also a couple of interesting readers' questions, about ignoring a father's will and re-marriage to save tax.

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Georgie Frost

This Is Money: Don’t make these savings mistakes – how to make more of your cash

Georgie Frost
Original Broadcast:

This is Money

This Is Money: Don’t make these savings mistakes – how to make more of your cash
Do you keep savings in your current account? It’s an easy trap to fall into, with a third of people admitting they do it in a recent poll. If you do keep a savings pot in a bank account you are likely to be missing out on a big chunk of interest you could otherwise earn. But even if they don’t do this, there’s two more mistakes people make — using convenient ‘insult’ accounts with their existing bank that pay pitiful interest and not using a Cash ISA and losing out to tax. Georgie Frost, Lee Boyce and Simon Lambert look at how to make more of your savings and avoid handing over returns to the bank or taxman. Plus, are you playing into the hands of shoulder surfing fraudsters or phone snatchers, why are more larger detached homes hitting the market and how can you get Steve Webb to answer your pension question on next week’s podcast?

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Georgie Frost

This Is Money: Saving, investing, property and pensions: How to grow your wealth long-term

Georgie Frost
Original Broadcast:

This is Money

This Is Money: Saving, investing, property and pensions: How to grow your wealth long-term
Building up a savings pot and then investing to grow your wealth and provide a decent pension for retirement is the key to long-term financial success. But there's lots to consider at each step — and most people will want to buy a home along the way. So what do you need to think about when sketching out your lifetime finances and then trying to achieve your goals? Georgie Frost and Simon Lambert take it step by step and look at each element of saving, investing, buying a home and building a pension. How much should you have in an emergency savings pot? How do you move from saving to investing? How can first-time buyers get ahead in tricky times? How much do you need to save for retirement? They look at all of these things and more.

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Georgie Frost

This Is Money: More of us are falling into the savings tax trap - is it fair?

Georgie Frost
Original Broadcast:

This is Money

This Is Money: More of us are falling into the savings tax trap - is it fair?
You find a decent paying savings account, diligently squirrel away your money, watch it grow… only for the taxman to come along and swipe a chunk. And since savings rates have been much better in recent years, the amount HMRC is taking in in savings tax revenue has gone up significantly. It's only going to increase according to estimates, to the tune of £10.37 billion in 2024/25, up from £6.6 billiion in 2023/24 - and £1.2 billion in 2021/22. So, how can you dodge the trap? Georgie Frost, Helen Crane and Lee Boyce look at this growing revenue spinner. It also means taking advantage of ISAs is key - and we're very keen on one tax-free account in particular. And sticking with savings, Helen explains the case of a Barclays customer who had a stroke - recovered better than expected - but was then locked out of his account with £100,000 in it for nearly a year. There is a mobile phone swiping epidemic in the country - but what is it the criminals are really after? Is it the handset, or something else? We explain all, alongside businessman and This is Money columnist Dave Fishwick, who interviewed one of the gang leaders. And sticking with Dave... he gives his views on what needs to happen after the general election on 4 July for the North. It's not just our phones being stolen… motor theft too is on the rise. A former police interceptor gives his tips on how to keep your vehicle safe. Lastly, what is the magic number of salary to make you feel rich? Recruiter Indeed believes it has found the answer...
Guests:

Dave Fishwick, Helen Crane


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Georgie Frost

This Is Money: What does it take to win the Premium Bonds - and is it worth you trying?

Georgie Frost
Original Broadcast:

This is Money

This Is Money: What does it take to win the Premium Bonds - and is it worth you trying?
How much do you need in Premium Bonds to win the jackpot? And if you haven’t maxed them out to the full £50,000, is it even worth bothering? This is Money has run some in-depth analysis on all the £1 million prizes over the past four years and this week revealed how much those lucky people held. Georgie Frost, Lee Boyce and Simon Lambert look at what it takes to win the Premium Bonds. Simon gives us his tax manifesto to get us out of the mess Britain’s tax system is in. Plus, one of our readers is in their mid-40s, would like to semi-retire to work on their own terms, travel and enjoy life in a decade, and wants to know if their £180,000 investments can grow enough to achieve that. What does someone with those ambitions need to consider? The team take a look. Should you consider buying a cheap electric car? Prospective buyers are worried about batteries but get over that and Simon says it could prove even cheaper to run than you think. And finally, the new King Charles notes are out but what are the serial numbers to check your wallet for which could make them worth big money?

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Georgie Frost

This Is Money: The mystery of the stolen Nectar Points - and the loyalty card price sting

Georgie Frost
Original Broadcast:

This is Money

This Is Money: The mystery of the stolen Nectar Points - and the loyalty card price sting
Supermarket loyalty schemes have become even more of a big thing in recent years as the two giants Tesco and Sainsbury's have rolled out Clubcard and Nectar Prices. But while cards bring lower prices, the points collected still mean prizes for some loyalty scheme fans. So, what happens if a fraudster steals your points? This is Money's Angharad Carrick recently went on the trail of some stolen Nectar points and uncovered a story that delivered as many questions as it did answers. Ang, Georgie Frost and Simon Lambert discuss the mystery of the stolen Nectar Points and how our reader got short shrift from Sainsbury's, Action Fraud and the police when they had £230 nicked. Plus, are these loyalty cards any good and worth having anyway and why is the competition watchdog investigating them? Also — many more people are taking mortgages than run past state pension age but with work and retirement blurring and changing does this matter? Simon explains why he thinks it does but for another reason. Would you buy fake cash for a knockdown price off social media? It sounds daft, but this is a genuine thing — we look at how it is happening. And should a reader who is still working at age 77, worth £2.6million and doesn't want a big inheritance tax bill start giving money away — and splashing out on themselves and their family?
Guest:

Angharad Carrick


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