512 | When to save and when to invest

This weeks episode is sponsored by Charles Stanley http://charlesstanley.sjv.io/6k7oEQ We're always told that patience pays off when it comes to money. But sometimes waiting can actually leave you worse off. This week, James joins Steve to explore when holding out for something better becomes an expensive mistake. From savings accounts that pay interest upfront to rising prices, expensive debts and retirement decisions, we look at the situations where acting sooner could make financial sense. We also discuss whether it's worth waiting for the perfect deal, why putting off financial decisions can cost you money, and whether there's actually a mathematical way to know when to stop waiting. For links and further reading head to becleverwithyourcash.com/cashchats ABOUT CASH CHATS Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates from the world of personal finance and helping you to navigate the everyday money challenges we all face. Show notes can be found at becleverwithyourcash.com/podcast. BE CLEVER WITH YOUR CASH ON SOCIAL twitter.com/BeCleverCash instagram.com/becleverwithyourcash youtube.com/@becleverwithyourcash

Think you'd never fall for a scam? Think again. Scammers have been finding ways to trick people out of their money for centuries, but modern technology has made their methods increasingly sophisticated — and much harder to spot. From suspicious emails and fake websites to convincing impersonations and AI-generated voices, fraudsters have more ways than ever to catch us off guard. In this episode of Cash Chats, Steve and James explore how scams have evolved, why anyone can become a victim, and some of the tricks criminals use to gain our trust. Plus, James shares the warning signs to look out for, practical ways to protect yourself and your money, and what to do if you think you've been scammed. For links and further reading head to becleverwithyourcash.com/cashchats ABOUT CASH CHATS Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates from the world of personal finance and helping you to navigate the everyday money challenges we all face. Show notes can be found at becleverwithyourcash.com/podcast. BE CLEVER WITH YOUR CASH ON SOCIAL twitter.com/BeCleverCash instagram.com/becleverwithyourcash youtube.com/@becleverwithyourcash

This weeks episode is sponsored by Charles Stanley http://charlesstanley.sjv.io/6k7oEQ Managing money can be difficult at the best of times, but ADHD can bring its own set of challenges – from impulse spending and planning ahead to remembering deadlines, making decisions and simply finding the mental energy to deal with your finances. In this episode, Amelia is joined by neurodivergent money expert and ADHD coach Abby Birch to look at the relationship between ADHD and money. They discuss why conventional money advice doesn't always work for neurodivergent people, how emotions and executive function can affect financial decisions, and some practical ways to make managing your money feel more achievable. They also talk about impulse spending, financial anxiety, guilt and embarrassment around money, and why finding systems that work with your brain can be far more useful than trying to force yourself to manage money the way you think you "should". For links and further reading head to becleverwithyourcash.com/cashchats ABOUT CASH CHATS Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates from the world of personal finance and helping you to navigate the everyday money challenges we all face. Show notes can be found at becleverwithyourcash.com/podcast. BE CLEVER WITH YOUR CASH ON SOCIAL twitter.com/BeCleverCash instagram.com/becleverwithyourcash youtube.com/@becleverwithyourcash

Millions of people have never checked their State Pension forecast — even though it could make up a huge part of their income in retirement. In this episode, we look at what your State Pension forecast actually tells you, what gaps in your National Insurance record could mean, and what you can do if you find them. We also look at the latest developments around the triple lock, tax and the growing concern that many of us are simply not financially prepared for later life. Plus, James Andrews explains the simplest first step you can take today to get a clearer picture of where you stand. For links and further reading head to becleverwithyourcash.com/cashchats ABOUT CASH CHATS Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates from the world of personal finance and helping you to navigate the everyday money challenges we all face. Show notes can be found at becleverwithyourcash.com/podcast. BE CLEVER WITH YOUR CASH ON SOCIAL twitter.com/BeCleverCash instagram.com/becleverwithyourcash youtube.com/@becleverwithyourcash

This UK Savings Week, we look at why so many young people want to save but struggle to get started, the pressures getting in the way, and Amelia's practical tips to help you build a savings habit that actually sticks. For links and further reading head to becleverwithyourcash.com/cashchats ABOUT CASH CHATS Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates from the world of personal finance and helping you to navigate the everyday money challenges we all face. Show notes can be found at becleverwithyourcash.com/podcast. BE CLEVER WITH YOUR CASH ON SOCIAL twitter.com/BeCleverCash instagram.com/becleverwithyourcash youtube.com/@becleverwithyourcash