With a new £5 note and £1 coin soon coming into circulation, Sarah looks at all the ways we can pay. Contactless payments are on the rise, but the vast majority of transactions are still done with cash. But what is legal tender, what’s the future for cheques and what do you do with all that loose change you’ve collected?
This week Sarah looks at how ISAs work. What are the different types available now, and how do they all work? Are they still the best option for savers? Figures published last week showed that 12.7m people had an ISA in the tax year up to April, down slightly from 13m last year. With savings rates so low, maybe that's not surprising.
Are you a fitness fanatic or do you think you've done your exercise when you've got up to get the remote control? The sunny weather that some parts of the country have been enjoying may have prompted you to get outside- walk or run. Or perhaps you've been inspired by the Olympics and want to take up cycling or swimming. But how do you get fit for less money?
Angus Browne, Matt Nathanielsz, Adrian Hon, John Treharne
It's been two weeks since the Bank of England cut interest rates to a historic low of just 0.25% and some banks and building societies have wasted no time in cutting the interest rates on their accounts. So can you get any kind of return on your savings? How do you know if your account is paying a terrible rate and who is paying the most? Sarah's joined by Sally Francis of MoneySavingExpert and Hannah Maundrell, editor at money.co.uk.
Around 5 million non-nationals live in the UK. But how do you get financially established when you first arrive? Sarah gets advice from Theresa Wallace of estate agent Savills, James Jones of Experian and Teni Shahiean of immigration solicitors, OTS.
Sarah and the panel answer questions about how to save money without making an effort, by switching utility and telephone providers, getting the best from online discounts and vouchers and how to keep your food spend down. She's joined by Hilal Kanafani, co-founder of Flipper, Naomi Willis, co-editor and founder of the Skint Dad website and Kevin Pratt of MoneySupermarket.
Tired of junk mail pouring through your front door? Sick of cold callers asking about your broken computer? Consumer expert Martyn James and John Micheson, from the Telephone Preference Service join Sarah Pennells to share top tips on how you can slow the constant stream of spam messages and cold calls.
When you’re on holiday, the last thing you want is for the flight to be delayed, the hotel to be unfinished or the beach to be nowhere near the resort. But problems do happen, so what should you do when disaster strikes? Sean Tipton, from ABTA, lists the most common disasters that people experience and discusses the future of EHIC cards after the EU Referendum. Frank Brehany, from Holiday Travel Watch, looks at how some disasters can be avoided before going on holiday; Nel Mooy, Head of Travel for AXA Insurance, explains who you can claim from in an emergency and what are the costs involved.
Sarah Pennells conducts a Brexit special analysis ahead of the EU referendum next week. Sarah and her guests look at how the vote will affect the currency, markets, travelling abroad and personal finance. Nina Schick, from Open Europe, demystifies any major Brexit facts and figures; Michelle McGrade, from TD Direct Investing, discusses the stock market, banks and trade deals; while Julia Rampen, Deputy Editor at Mirror Money Online, looks at whether the value of the pound will fall.
A new study by the Institute of Inertia has shown that half of British parents don't have life insurance and that over three quarters would be able to pay the mortgage if the main breadwinner dies. Sarah Pennells is joined by Emma Thomson, Head of Customer Care at LifeSearch, Andrew Jenkinson, Director of Drewberry Insurance, and Anna Sofat, from Addidi Wealth. Together they guide listeners through the maze of insurance and explain which policies are need and what to look for if you're going to buy one.