If you started university in England in September 2012 or later, you’ll come under the new tuition fees and student loan regime. That means you’re likely to have graduated with tens of thousands of pounds of debt. So how do you start to go about paying that back? Sarah Pennells is joined by our Young Money Champion, James Connington from the Telegraph’s Personal Finance Team, James Seymour from the Complete University Guide and Ani Bailey from NASMA, the National Association of Student Money Advisers, to share tips and advice on how to tackle rising interest rates on hefty student loans.
This week Sarah looks into weddings and the costs they can accumulate. Although for many couples it is the happiest day of their lives, it is often also one of the most expensive. Joining Sarah are Andy Webb from Be Clever With Your Cash, Charley Beard from The London Bride, Rachael Southwood from Wedding Ideas Magazine, Alison Hargreaves from Guides for Brides and Rosie Ames from Green Union.
Andy Webb, Rachael Southwood, Alison Hargreaves, Rosie Ames, Charley Beard
Sarah Pennells is joined by Amelia Murray, Senior Personal Finance Research Journalist at The Telegraph and Anna Bowes, Director of Savings Champion, where they look at the worst ISA season yet. Together they discuss what an ISA season is, ISA rates, whether they are better than ordinary savings accounts and why banks and building societies abandoned them.
If you're a student, or a first time renter, this week Sarah Pennells looks at what rights you're entitled to as a tenant. She is joined in the studio by Money Saving Expert Racheal Healey and Richard Blanco, independent landlord and National Landlords Association spokesperson. She will also be joined by Simon Thompson, Director of accommodationforstudents.com- the UK’s largest student accommodation portal- and David Cox from the Association of Residential Letting Agents.
Rachel Healy, Simon Thompson, David Cox, Richard Blanco
What's the best way to add value to your home? Adding an extension? Installing central heating? Or simply fixing any structural problems? Sarah is joined by experts Russell Quirk, from the online estate agency eMoov, Kate Faulkner, property expert who runs the Property Checklist, and Michael Holmes, from Homebuilding and Renovating Magazine, to find out, and to share tips on adding value to your property without spending a fortune.
Sarah Pennells is joined by our Young Money Champion, James Connington of the Telegraph's Personal Finance Team, Rod Jones from uSwitch, and Richard King, CEO of Ingenie, to talk about young people's car insurance. She also finds out how one teenager managed to save thousands of pounds on his insurance using telematics.
Sarah Pennells is joined in the studio by Jane King, an IFA at Ash-Ridge Private Finance, Adam Lake of Turn2Us, Tom Connor of Drewberry Insurance and over the phone by Alistair McQueen of Aviva, to discuss how to best protect your finances if you're self-employed and don't have the security of working for a large company or organisation. What are the benefits and drawbacks of being self-employed? Do the positives outweigh the negatives?
Jane King, Adam Lake, Tom Connor, Alistair McQueen
Sarah Pennells is joined in the studio by Share Radio founder, Gavin Oldham, as well as our Young Money Champion, Amelia Murray from the Telegraph Personal Finance Team, and over the phone with Anna Sofat of Addidi Wealth, to talk about lost child trust funds. Together they look at lost or unclaimed child trust funds, after a recent research showed that nearly 900,000 people were said to be at risk of losing their savings.
Sarah Pennells talks about banking and accounts with guests Tashema Jackson of uSwitch, and Hannah Maundrell from money.co.uk, and Matt Saunders from GoCompare. Together they discuss whether it is possible to open a bank account if you have a history of debt, if you can open an account if you’ve moved to the UK from abroad and what the best accounts are if you’re constantly in your overdraft or similarly, always in credit.
Sarah Pennells spoke to Cap Gemini’s Alex Smith-Bingham to discuss young people’s lack of digital skills in the world of work. Sarah will look at how many young people did not have the level of digital skills their company wished for and this could lead them to miss out on future job opportunities. Sarah is also joined by Rachel Healy, this week’s Money Saving Expert. Topics in the programme include how to enrich one’s digital skills, where to find more information, whether any particular schemes offer them and which digital skills are the most sought after. Jordan Daykin, from GripIt Fixings, explains what skills he is looking for in young people from an employer’s perspective.