Beste Mrs Mon podcaster (2024)

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Ep - 91 Time to get ahead on 2025 28:53

5d ago28:53

28:53

There is never time to relax when it comes to making sure you do not pay more than you should. The New Year is no exception and there are financial traps for the unwary that can cost hundreds of pounds. HMRC expects to make £1.2bn next year from late payment interest from taxpayers. Lots of us will be fined £100 for not filling out annual tax forms…

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Ep - 90 Save Money When Shopping 28:19

19d ago28:19

28:19

Shopping is no longer fun. It is hard work to make sure you do not pay too much or get misled into buying things you do not need or want. Loyalty prices add to the complications and are unfair to shoppers without smart phones or a loyalty card. Comparing prices should be easy but stores choose to provide inaccurate unit information that is difficul…

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Ep 89 - Beware Black Friday 27:27

1M ago27:27

27:27

We are being beseiged with Black Friday offers everywhere we look. Most of them do not deliver what they promise. But if there is something you need or really, really want make sure you do your research to make sure you are not scammed, charged too much, or sold something that is not worth what you are paying. While you are doing the research you c…

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Ep - 88 Secure Your Future 25:42

2M ago25:42

25:42

The pandemic and cost-of-living crisis have caused many people to make very difficult decisions about their spending to be able to keep within their stretched budgets. But an alarming number of workers need to look at their spending again if they are to avoid a poor old age. Up to 25% of workers stopped paying into their pensions to increase their …

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Ep - 87 Time to free up money 29:28

2M ago29:28

29:28

It has never been more important to make our money go further. Inflation may have reduced, but we are still paying a lot more for our food,energy and homes. One way open to us all to make money is to sell stuff. It may be old clothes, old books, games, tech toys, kitchen equipment, in fact anything you have finished with. Remember we typically wear…

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Ep - 86 How to Survive Fraud 29:35

2M ago29:35

29:35

Fraud is an increasing problem in the UK made worse by the closure of thousands of bank branches. Banks are now required to pay compensation up to £85,000 within five days when criminals defraud their customers. But as banks try to reduce their potential compensation bills it is becoming more difficult to make bank transfers and open new accounts, …

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Ep - 85 Stop supermarkets making bigger profits 28:13

3M ago28:13

28:13

Supermarkets make it difficult for us to get the best value for our money. They game us with their loyalty cards, special prices, extra points, yo-yo pricing and price matching. The last quarter of the year is the most profitable for them. We all need to work hard to make sure we are not made fools of by attractive displays, misleading prices and t…

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Ep - 84 Save money with flexible working 24:49

3M ago24:49

24:49

The way we work has changed in recent years and employees are set to get more opportunities to make work work for them and their families. Compressed four-day weeks will give employees the chance to complete a full working week in four days and continue to earn their full salaries. They will also be able to save big money as they are more productiv…

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Ep - 83 Your Money Questions Answered 25:45

4M ago25:45

25:45

Our finances have never been so sorely tested. Energy bills are increasing so are water bills and tax is also a worry among Mrs Mean listeners. But that does not mean we have to accept the bad news without fighting back. There are lots of tips to save money on energy and water bills. Now is the time to check them out. Those trying to improve their …

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Ep - 82 Student living cost crisis 29:41

4M ago29:41

29:41

Student finances are even tougher this year for those starting their university courses, as maintenance loans are just 2.5% higher than last year, even though rents and other costs are increasing far faster than the cash help. The average maintenace loan is just £6,116 less than the average rent. And to make matters worse the financial help offered…

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Ep 81 - Cash Comeback 25:57

5M ago25:57

25:57

Cash is making a comeback. The cost of living crisis means that millions of people have to watch every penny and cannot afford to get carried away with credit cards or contactless ones. The number of people using cash for day-to-day spending is at a four-year high and cash is used for 12% of all transactions. It gives greater control of our money a…

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Ep - 80 - Take your time to protect yourself 29:09

5M ago29:09

29:09

The world gets faster but it can make us very vulnerable as scammers and the unscrupulous, trick us into making decisions too quickly. The banks are not always helpful if customers are defrauded. It is not only the elderly who are at risk. We all have to make sure we do not click on links, open attachments or accept phone calls from unknown senders…

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Ep - 79 - Cut Insurance Costs 27:56

6M ago27:56

27:56

Home insurance bills are racing ahead. It means we all have to do our research early and be ready to move fast when renewing our policies if we want to save money. With average increases of 42% we need to check every aspect of our cover. Too many people pay too much for their buildings' insurance because they insure for the sale price of their home…

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Ep - 78 Make Sure Your Money is Safe 27:16

6M ago27:16

27:16

Cyber attacks and IT glitches are happening more often, affecting millions of customers, and they can put our money in danger. Not only are hackers after our money, but fraudsters are ready to use news of IT glitches to persuade us to hand over our account details. They pretend to be from our banks, credit card companies or other organisations. The…

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Ep77-Mend your budget before the election 24:29

7M ago24:29

24:29

We can all make extra money, and in most cases we will not have to pay any extra tax into the bargain. Whether it is selling on clothes that no longer fit, hiring out power tools, renting a room or space in your driveway you can start earning in days. With taxes at a 70-year-high and food and energy prices still much higher than they were a couple …

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Ep76-Stop energy companies robbing customers 28:49

7M ago28:49

28:49

Customers are owed £3.7 billion by energy companies. The money has built up from overpayments of direct debits and should be returned. Companies err on the side of overcharging when they set up the amounts we have to pay for direct debits. A small buffer is sensible, but all too often customers are owed hundreds of pounds and more. We need to get o…

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Ep75-Saving money on holiday 31:58

8M ago31:58

31:58

It is the peak holiday booking season as we look forward to summer sunshine. But first of all you need to make sure you get a great deal for your flight, hotel, hire car and holiday money. And as soon as you book you must protect the dream with travel insurance. We tell you how to avoid being ripped off by hire car companies, which are the best day…

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Ep 74 - Beware reduced credit card payments 29:12

8M ago29:12

29:12

Millions of credit card customers face a big increase in the cost of their borrowing, but many will not know. Barclaycard is reducing the minimum payments that customers will be charged from July. Someone owing £2,500 will have a minimum payment of £71. 21 from July down from £89.96 - an apparent saving of £18 a month. But this move alone increases…

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Ep - 73 - The high cost of children 29:34

9M ago29:34

29:34

Children are very expensive, especially if you work. The government has increased the financial help it gives towards child care costs so that the parents of two-year-olds can now get a contribution towards the costs. But this is still likely to be a lot less than is needed. The official line is that two-year-olds are entitled to 15 hours free chil…

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Ep - 72 Loyalty is hard work 25:53

9M ago25:53

25:53

Loyalty is the latest tool that supermarkets use to lure us into their stores. Big signs and advertisements suggest we can save lots of money but in reality you need to take a calculator, check prices carefully on grocery websites and allow extra time if you are not going to be ripped off. Loyalty cards offer cheaper prices to customers who have th…

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Ep - 71 Cut Living Costs Now 34:50

9M ago34:50

34:50

April is the cruellest month when many of our household bills increase. The battle to tame inflation has not yet been won so we have to cut our household bills wherever possible. Even energy bills that are set to be reduced by 12% on April 1 are still more than twice what they were before Ukraine was invaded. So there is no better time to check all…

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Ep 70 - Remortgaging 27:56

10M ago27:56

27:56

It is crunch time for millions of homeowners whose fixed rate mortgages expire this year. They face much bigger monthly payments. After 14 interest rate increases over the last two years, and no sign from the Bank of England that there will be a reduction any time soon, many are fearful they could lose their homes, and may be putting off finding ou…

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Ep 69 - Student Living Costs 27:04

10M ago27:04

27:04

Succeeding in your A level exams is vital for the school students wanting to go to university this autumn. But almost as important, as their studies, is working out how they will afford to live whilst they are at university. The government has increased maintenance loans for undergraduates by 2.5% for students going to university this autumn. This …

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Ep - 68 Time to get some tax back 26:49

11M ago26:49

26:49

Tax returns have been filed so it is now time to find out if there is any money that HMRC owes you, and the quicker you are the more you might get. The current tax year ends on April 5 and if you make a claim before then for an allowance you should have then you may be able to backdate the claim to 2019. And there is lots of money waiting for you t…

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Ep - 67 Do not let your insurance company make extra money from you 27:58

11M ago27:58

27:58

Insurance companies are competting to charge us more. The average homes' insurance policy already cost 36% more this year than last, before storms Babet, Ciaran and Debi damaged thousands of homes causing half a billion pounds worth of damage. And then came the even more powerful Henk. While the insurance companies will find reasons to increase our…

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Ep 66 - Time to save starting with a penny 21:54

12M ago21:54

21:54

Banks make billions a year by charging borrowers lots and paying savers little. Now with mortgage rates coming down as banks compete for customers savers have to be nimble if they are not going to lose out. Now is the time to find out whether you can get a better return on any savings you have. Banks are already reducing the interest they pay on de…

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Ep 65 - Avoid the sales 20:50

1y ago20:50

20:50

We have been battling inflation all year and now retailers are trying to persuade us to spend whatever we have managed to save. Everywhere we are being offered half price goods and even cheaper. Before you are tempted you have tocheck whether the price cuts are as good as the stores say, and whether you need what is being offered. It has been a tou…

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Ep - 64 - New Year Budgeting podcast 32:22

1y ago32:22

32:22

New Year is an opportunity to get our finances under control. There is the quiet period after Christmas to review all our accounts and to work out if there is money to be saved. More people are using cash to give themselves better control of their money. It is much more difficult to overspend when the cash runs out and we notice every overspend. It…

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Ep - 63 Saving Money at Christmas 28:10

1y ago28:10

28:10

Christmas is a tremendous financial strain each year, and it is probably worse this year as interest rates, food prices, energy bills all challenge household budgets. We all need to learn how to do more for less. There are lots of ways of giving presents that cost nothing, and even more ways of raising extra cash in the next few weeks . Banks are g…

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Ep - 62 Beware Black Friday 28:25

1y ago28:25

28:25

Black Friday is a danger zone for anyone trying to live within their budgets. Retailers want us to splurge on things we didn't know existed or that we wanted them. Fraudsters also put in overtime to part us from our money. But if you do your research before the spending-fest there are bargains to be had as retailers battle to persuade us to buy. Re…

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Ep - 61 Money Saving Masterclass 28:55

1y ago28:55

28:55

Mrs Mean has been listening to your questions and says you do not have to wait for the Government to provide a giveaway Autumn Statement or Budget. You can save money on your energy bills straightaway and some two million couples are missing out on tax benefits for being married that could provide more than £1,000 in weeks. Getting savings rates th…

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Ep - 60 Cut electric car costs 24:30

1y ago24:30

24:30

The incentives to buy an electric vehicle are gradually being removed and the cost of running them has risen. It is not therefore surprising that the number of private buyers of electric cars fell by 14% in the year to September, even before the government rolled back the deadline by five years for the end to the sale of new petrol and diesel vehic…

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Ep 59 - Winning in the Rental Battle 26:50

1y ago26:50

26:50

Renters are having it tougher than homebuyers to get a home, with more than 20 people asking to view properties as soon as they are advertised, and rents increasing by inflation-busting amounts. Finding the right property, or one that is good enough, is just the start. It probably takes more work than buying a home because you do not have a solicit…

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Ep 58 - Don't Be Ripped Off 23:58

1y ago23:58

23:58

Online companies appear to set out to mislead customers about the prices they will charge when we get to the checkout. Everyone knows that the flight price first offered is likely to be doubled by the time we pay. Unfortunately many other companies are using the same trickery. The government is consulting on whether it needs to ban charging more th…

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Ep 57- Beware of Credit Card Offers 27:25

1+ y ago27:25

27:25

Credit cards are charging historic rates of interest and they are also trying to find new customers to pay these rates, and possibly spend more than they should. Beware. As people struggle to pay their increased mortgages, rents, food and heating costs the card providers are offering extra credit almost daily. One offer I received told me I would g…

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Ep - 56 Save £200 in less than an hour 22:12

1+ y ago22:12

22:12

Motor insurance premiums are rising very fast, and unexpectedly for drivers who have made no claims or changes to their policies. Many loyal customers are getting renewal notices for premiums that have more than doubled. Insurance companies say this is because car repairs are much more costly and those of us who have not incurred any costs are expe…

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Ep - 55 Get ready for winter now 22:20

1+ y ago22:20

22:20

The energy price cap will fall again at the beginning of October, but will still be very high. Meanwhile the nights are drawing in and lights are needed earlier. Before it gets cold we need to look at how we can save money on heating, lighting and to cut our monthly direct debits. And maybe it is time to check out whether you would save money by fi…

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Ep - 54 - Don't be fooled by loyalty 26:41

1+ y ago26:41

26:41

Food shopping has got a lot more complicated as supermarkets offer us different discounts and extra points if we use their loyalty cards. It takes time to get ready for a shopping trip, and once in the supermarket it can be hard work to find the advertised deals on the shelves and also to check whether it is really good value. Mrs Mean has been ana…

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Ep - 53 Stop Your Bank Account Being Frozen 31:31

1+ y ago31:31

31:31

Having your bank account frozen or closed can be very costly in financial terms, and damage your reputation and credit profile into the bargain. While Nigel Farage was able to get full attention when Coutts Bank told him it wanted to close his account, most customers are on their own, and may not even to be able to get through to someone at their b…

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Ep - 52 Get Your Money Back 27:25

1+ y ago27:25

27:25

Credit cards offer brilliant insurance for millions of us if we are ripped off when making purchases over £100. The protection is offered by the Consumer Credit Act and it has forced banks and credit cards to pay customers billions of pounds when their flights were cancelled, retailers went into administration without providing what we have paid fo…

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Ep - 51 Cut the cost of motor insurance 28:45

1+ y ago28:45

28:45

Motor insurance is stoking inflation in the UK if we allow it do so. Data from Consumer Intelligence put the average motor policy increase at 34% in May and the Office of National Statistics said that motor policies were up 50% in the year to June. These increases make it vital that no driver accepts an automatic renewal and that they all start to …

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Ep - 50 Mrs Mean Money Clinic 24:58

1+ y ago24:58

24:58

Mrs Mean is here to help you get money back when you have been ripped off and to help you to work out what to do next. In today's Money Clinic she details how to get compensation from universities for lost access to tutors and not being able to graduate at the end of degree courses. Every week she is asked by the customers of banks, energy companie…

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Ep- 49 Time to get help with debt 29:27

1+ y ago29:27

29:27

Household debt is at an all time high with unsecured debt - borrowing other than mortgages - averaging £14,300 a household. There is lots of help from debt charities, who are doing a marvellous job, but you have to be careful as there are vampire advisers, who pop up on your browser and they are out to add to your debt. Or at least to charge you lo…

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Ep - 48 Battling Student inflation 29:08

1+ y ago29:08

29:08

Managing finances at college or university is tougher than any exam. The maintenance loans to pay for the cost of living as a student will rise by a miserly 2.8% for English students in September following a rise of 2.36% last year. Rents alone often cost more than the maximum maintenance loans. Parents whose household incomes are more than £25,000…

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Ep - 47 Cut your mortgage payments 25:44

1+ y ago25:44

25:44

The Bank of England has raised interest rates by 0.5% causing panic among mortgage payers. It comes as more than a million homebuyers will have to remortgage before the end of the year as their fixed rate mortgages expire. Many more have variable or tracker mortgages that have already increased a dozen times in the last 18 months and may be getting…

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Ep - 46 Change the Way You Shop 28:17

1+ y ago28:17

28:17

Every week grocery prices increase and we all need to change the way we shop - avoiding the traps laid for us by supermarkets. Check shelf edges for unit prices to work out what is cheapest. You may have to use your phone calculator as stores are not very good at maths or try to confuse. Look to the lower shelves for better value products and avoid…

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Ep - 45 Defeat Fraud Now 30:49

1+ y ago30:49

30:49

We have been told that new rules are coming in to help anyone who has been defrauded to get refunds from their banks. But there is no date yet as to when this will come to pass so we all have to be extra careful as anyone defrauded through their bank account may still feel alone. And the fraudsters may go into overdrive to make the most of their op…

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Ep - 44 Don't pay too much for energy 27:30

1+ y ago27:30

27:30

The sun is shining and energy bills are on their way down in July. Now is the time to check we are not paying too much each month. Energy companies increased our direct debits by an average of 60% between February and April and have not reduced them to take account of all our energy-saving. They are holding billions of pounds that belongs to us. It…

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Ep- 43 Don't be ripped off on holiday 27:30

1+ y ago27:30

27:30

Air fares have increased by up to 71% since last summer, which makes us all vulnerable to being lured by a cheap holiday offer. Beware of fares that seem too cheap. The budget airlines are adding lots of extra fees for choosing your seat, boarding early, air passenger duty and taking luggage. It can make them more expensive than flying with the big…

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Ep 42 - Don't tip too much 29:17

1+ y ago29:17

29:17

Tipping has changed in the UK and you could be paying too much. The National minimum wage, changing spending patterns and the growth of food delivery have reduced the reliance on fixed service charges. Restaurants would rather we return and recommend them than be put off by fixed tips. It is also more honest to charge the correct price for dishes. …

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