Martin Lewis

Martin Lewis

@martinlewis.moneysavingexpert.com

Founder: MoneySavingExpert | MMHPI | Small Ideas Initiative. Shows: ITV’s Martin Lewis Money Show | Martin Lewis Podcast Tips, Polls, Puns, Musings. Lara's husband, Sapphire's dad

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Do I pay tax if I sell on eBay? How to start a credit score? How doing a budget can change your life! Answers to these listener questions & more in my new MARTIN'S QUESTION TIME podcast available on BBC Sounds, Apple and elsewhere good & mediocre podcasts listed (links in comments)

Got savings? Short-dated gilts (UK bonds) held to maturity may provide up to 8% equiv. returns if you pay tax on interest. Yet DON'T do owt without knowing full pros, cons & risks. All in the Martin Lewis Pod ‘Savers, can you use gilts to earn 8%?’ now out on BBC Sounds, Apple & elsewhere.

Savers can you use gilts to earn 8%? | Standing charge to be scapped & budget preview. All this and far more in the new Martin Lewis Podcast available on. Do listen, it's free on BBC Sounds, Apple, Spotify and all good - and mediocre podcast places (easy links in comments)

It’s the biggest single factor impacting your mortgage…. Loan-To-Value (LTV) is the proportion of your home’s current value you’re borrowing – once you get it, you may be able to use it to cut your mortgage costs.

Finally looks like we may be getting somewhere... @andyburnham at #PMQs just now "“I can tell the House today that I have asked the chancellor and the energy secretary to look at whether we can remove standing charges from gas bills and to report back to this House at the earliest opportunity.”

Mortgage Mayhem! Fixed rates are up even though the UK base rate hasn’t moved. Tonight’s @ITVMLSHOW what’s happening, what will happen, should you fix or go for a tracker mortgage? Don’t miss it. 7:15pm

Are Premium Bonds right for you? Should you get your child a pension? How many credit applications kill a mortgage? Answers to these listener questions & more in my new MARTIN'S QUESTION TIME podcast available on BBC Sounds, Apple and elsewhere good & mediocre podcasts listed

Bought a raincoat yesterday & gave my email for the warranty. Since then: THREE marketing emails. Why? It’s a niche product, I won’t need another. One email a couple of months later I’d have lived with. Three made me unsubscribe. Surely that isn’t productive marketing?

Do you have credit or store card debt? An important alert. Just a snip from the latest Martin Lewis Podcast – where the big topic is a step-by-step help in how to cut the cost of existing card debt. Do give it a listen on BBC Sounds, Apple & elsewhere.

Have you got debt on credit cards? Shift debt to 0% while you can! | Car Finance update | ISA & inheritance tax all in this weeks MARTIN LEWIS PODCAST. 0% are likely to get worse. Full help including how to balance transfer, minimise rejection, credit limits, cards v loans and more. Do listen

HALVE car insurance costs by timing it right? This is just a snippet of the full Martin Lewis Money Show Live this week on cutting the cost of motoring… 5 tips to save on fuel, cheap breakdown, full car insurance help and more. Watch it on ITVX (link in comments)

Urgent free solicitor drafted Wills. If you don't have a will the govt intestacy laws decide where your assets go when you die, and that can slow down & complicate the process of your loved ones getting your assets. 👇

Thanks to everyone who watched @itvMLshow last night. We're stoked with the 1.9m ratings, a 19% share of available TV audience & 'winning the slot' for most of the show. Fab to get the 1st of the new run under our belt, especially with a studio move. :)

During my YouTube Ask Me Anything I was asked, “What advice would you give for managing your money when going through grief. I'm normally on the ball, but after losing my mum, my regular admin and skill set is slipping"

“Martin: Must they give me a cooling off or cancellation option when they double my online subscription cost?” A snip from this week’s Martin Lewis Question Time Podcast “Will payrise mean I lose child benefit?” plus mortgages, how to get into journalism & more. Do listen via BBC Sounds, Apple etc.

Will a payrise mean I risk losing child benefit? I’m on tracker mortgage should I try and get a fix? I want your job, how do I get to be you one day? Answers to these listener questions & more in his new MARTIN'S QUESTION TIME podcast available on BBC Sounds, Apple and elsewhere

That's it for me this week. Genuinely one thing I'll do this weekend is submit my 6 small fixes to small-ideas.org. It'll be fascinating to see if any make it to the long list (I'm not in selection til later) Pls put your ideas in too. Have a great weekend. See you Mon!

Do you want free cash in time for Christmas, up to £600 is being given away by banks! Full help in the new Free cash, freebies, the state pension and inheritance tax too MARTIN LEWIS PODCAST. Do listen, it's free on BBC Sounds, Apple, Spotify and all good - and mediocre podcast places

Please submit your small ideas for fixing Britain to the Small-Ideas.org website. It’s a new charitable initiative I’ve set up to try and make sure life’s potholes don’t get ignored. Working with two charities and a cross party panel to turn your ideas into policy then try and make it happen.

I don't know about where you are, but the weather suddenly feels so different today. The sky is greyer. Ive got so used to waking up to sunny, warm days. It's seems months since it last felt like this.

- I lost money investing after Trump's actions, how'd you persuade me to restart? - Success: I got £3,000 more pension by listening to the pod! - I bought a home at 30, can I fix energy before moving? Answers to these listener questions & more in his new MARTIN'S QUESTION TIME podcast

Yet its important you understand why as it doesn’t mean it’s bad to fix. In fact right now if you’re on the Price Cap (unless you’re on prepay) you should be able to get a cheap fix (do compare), pay less straight away and prevent the predicted price hikes.

What a week! And next ones even more rammed (I'm announcing & launching a new charity initiative Thur, and a lot of prep is going into it - more anon). So now time for a bit of family chill time. Have a wonderful weekend. See you monday.

There’s £136bn in Premium Bonds, but are they any good? How do they really work; are some bonds better than others; would you be better off in top savings or investing? The new “Time to ditch your premium bonds?” Martin Lewis podcast answers all that and more.

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E.g. If inflation was 4%, & average earnings growth 2% in each of the first two years then in year three inflation was 2.5% & average earnings 5%. The State Pension over the three years would rise 10.5% just due to inflation link – higher than the 9% total growth in average earnings since the start.

NB Read this after you’ve watched & understood the video… For belt & braces, it’s worth noting, in some situations, a year of average earnings higher than inflation (or 2.5%) wouldn’t increase the State Pension by more than inflation (or 2.5%).