The Cost Saver Podcast
Practical UK money-saving episodes on energy bills, broadband, transport, and household budgets — powered by official UK data, not clickbait. Short enough to listen on the school run, detailed enough to act on.
- Episodes released
- Every Weekday
- Typical episode length
- 10–20 min episodes
Asad and Angela are AI-generated co-hosts — openly disclosed, UK-focused, and always paired with a companion written article you can verify. For information only, not financial guidance.
All episodes
142 episodes · page 1 of 12 · newest first
LatestDid You Overpay Stamp Duty? Four Scenarios Where HMRC May Owe You a Refund
This episode explores four common scenarios where homeowners may have overpaid Stamp Duty Land Tax and are due a refund from HMRC. Learn about the 3% surcharge, uninhabitable properties, mixed-use land, and Multiple Dwellings Relief, including deadlines and how to claim.
Ep. 14114 min
The £90,000 VAT Cliff Edge: Why Growing Your Small Business Can Quietly Cut Your Profits
This episode explores the UK's £90,000 VAT cliff edge, explaining how growing your small business can unexpectedly cut profits. Learn who is most affected, why it happens, and practical strategies to manage VAT registration and avoid financial surprises.
vat cliff edgesmall business profitsuk vat rulesEp. 14014 min
Prepaid Funeral Plan vs Investing: What Your Family Could Really Pay
This episode explores prepaid funeral plans versus investing for funeral costs, highlighting hidden charges and regulatory changes. Learn how to avoid unexpected expenses and make informed decisions, including a hybrid approach, to secure your family's future.
funeral planningprepaid funeral plansfuneral costs
Ep. 13914 minThe True 5-Year Cost of a UK Speeding Fine: Why a £100 Ticket Really Costs £1,000+
This episode uncovers the true 5-year cost of a UK speeding fine, revealing how a £100 ticket can actually cost over £1,000 due to hidden insurance premium increases and other financial impacts. Learn why the initial fine is just the "entry fee" and how to calculate your personal cost.
uk speeding finesinsurance premiumsmotoring convictionsEp. 13817 min
The Carer's Allowance Earnings Trap: How One Extra Shift Could Cost You £4,250
This episode explains the Carer's Allowance earnings trap, where earning just £1 over the £151 weekly net limit can cost you the entire £81.90 payment. Learn how to avoid significant overpayment demands and protect your benefits.
carer's allowanceearnings limitoverpayment trapEp. 13715 min
The Real Cost of a UK Spouse Visa: Fees, Surcharges and Traps Across the Five-Year Route
This episode uncovers the true financial commitment of a UK Spouse Visa, revealing costs far beyond the initial application fee. Learn about the Immigration Health Surcharge, stage-by-stage expenses, and common financial traps across the five-year route to avoid being blindsided.
uk spouse visa costsimmigration health surchargefive-year visa routeEp. 13616 min
The Lifetime ISA 25% Penalty Trap: What Early Withdrawals Really Cost You
This episode unpacks the Lifetime ISA (LISA) 25% penalty trap, explaining why early withdrawals can cost more than the government bonus. Learn the strict withdrawal rules, the true financial impact of the penalty, and practical steps to avoid losing your own savings.
lifetime isalisa penaltyearly withdrawalsEp. 13519 min
Pet Insurance vs Self-Funding in the UK: What 10 Years of Vet Bills Really Costs You
This episode compares pet insurance and self-funding vet bills in the UK over 10 years, detailing costs, risks, and a hybrid approach. Listeners will learn how to make an informed decision based on their pet's profile and financial discipline.
pet insurancevet billsself-fundingEp. 13417 min
Why Swapping Your Pension for the House in Divorce Could Cost You Thousands
Discover why swapping your pension for the house in a divorce settlement can cost you thousands. Learn about the hidden financial disparities between these assets, the pitfalls of relying on Cash Equivalent Transfer Values (CETVs), and how specialist advice can ensure a fair financial future.
divorce settlementpension sharingproperty equityEp. 13318 min
UK Pension Annual Allowance Tapering: Avoid Nasty Tax Charges in 2025/26
This episode explains the UK Pension Annual Allowance Tapering for 2025/26, detailing what it is, who gets caught, and how to avoid significant tax charges. Learn practical strategies like carry forward and bonus sacrifice to manage your pension contributions effectively.
pension annual allowanceannual allowance taperinguk pension taxEp. 13217 min
PCP vs HP vs Personal Loan: The Honest UK Car Finance Guide
This guide breaks down UK car finance options: PCP, HP, and personal loans. Learn how to compare total costs versus monthly payments, avoid common pitfalls like mileage limits and hidden fees, and understand the impact of car debt on your wider finances.
pcp car financehp car financepersonal loansEp. 13115 min
UK Currency Converter: Live ECB Rates, Hidden Fees and Smarter Travel Money Choices
This episode uncovers how UK travelers lose 3-7% on currency exchange due to hidden fees and poor rates. Learn to identify common money traps like airport bureaus and DCC, and discover smarter ways to save hundreds on travel money and international transfers using specialist cards and services.
currency conversionhidden feestravel moneyEp. 13016 min
Sending Money Abroad from the UK: Timing Mistakes, Hidden Costs and Smarter Choices
This episode uncovers common mistakes and hidden costs when sending money abroad from the UK, such as significant exchange rate margins and poor timing. Learn how to save thousands by choosing specialist providers and using smart tools like rate alerts and limit orders to optimize your international transfers.
sending money abroadexchange rateshidden fees
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