What The UK’s Inflation Figures Aren’t Telling You

What The UK’s Inflation Figures Aren’t Telling You

Inflation is falling in the UK, at least, according to the official numbers. But for a lot of people, the cost of living still feels painfully high. Petrol prices are rising again, energy bills could jump later this year, and households are still feeling the aftershocks of the inflation spike that followed the Ukraine war.In this episode of the Mouthy Money Podcast, Ed and Chris dig into the latest UK inflation figures and ask why the story feels so disconnected from everyday life. They look at energy prices, fuel duty cuts, VAT changes and the government’s latest cost of living measures, along with the role the Bank of England plays in controlling inflation and interest rates.The conversation also explores what higher inflation means for mortgages, savings accounts, investing and long-term financial planning. Are markets really prepared for another inflation shock? Could government support measures make things worse again? And why do inflation statistics often feel so different from people’s real-world experience? MOUTHY MONEY Our substack mouthymoney.substack.co.uk [http://mouthymoney.substack.co.uk/]  Get in touch ⁠⁠editors@mouthymoney.co.uk [editors@mouthymoney.co.uk] ⁠⁠ DISCLAIMER This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠ [http://www.fca.org.uk/investsmart%E2%81%A0]. Please note, video captions are auto-generated and may not be 100% accurate.

Fix or Tracker: Surviving the UK Mortgage Madness

Are you staring down the barrel of a remortgage? You aren't alone. In this episode, Ed and Chris tackle the ultimate UK homeowner’s dilemma: do you lock in the safety of a fixed-rate mortgage, or roll the dice on a tracker in a completely unpredictable market? With his own remortgage deadline looming, Chris pulls back the curtain on his options, the maths behind his strict new household budget, and the agonising psychological battle of trying to time the market. Meanwhile, Ed delivers some hard truths on why waiting to “get lucky” with interest rates is a dangerous game to play. The guys also break down exactly how global tensions, inflation expectations and looming UK political chaos are feeding directly into swap rates and what that means for your monthly repayments. In this episode, we cover: * The Fixed vs. Tracker Debate: Which makes more sense right now? * The Macro Effect: How the Middle East crisis and UK political uncertainty are actively shaping mortgage rates. * The "Luck" Fallacy: Why you should stop waiting for a lucky break and take control of your debt. * Practical Defense Strategies: The power of overpaying, managing your Loan-to-Value (LTV) ratio, and bulletproofing your rainy day fund. * The Safety Net: How to lock in a baseline rate today while keeping your options open for tomorrow. 04:09 – Rolling the Dice: The Gamble of the Tracker  05:47 – Ed’s Take: Why Certainty Wins  08:28 – The Hidden Factor: UK Political Uncertainty  10:42 – The Psychology of Debt & Chasing "Luck"  13:36 – Forcing Your Own Fortune: The LTV Strategy  16:15 – The Budget Bulletproof Test: Protecting the Rainy Day Fund  18:33 – The Power of Overpaying & Overcoming Behavioral Anchoring  21:09 – Outro: Let Us Know Your Strategy  *MOUTHY MONEY* *Our substack* mouthymoney.substack.co.uk [http://mouthymoney.substack.co.uk/]  *Get in touch* ⁠⁠editors@mouthymoney.co.uk [editors@mouthymoney.co.uk] ⁠⁠ DISCLAIMER This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠ [http://www.fca.org.uk/investsmart%E2%81%A0]. Please note, video captions are auto-generated and may not be 100% accurate.

Is Your Summer Holiday Costing You £500,000?

In this episode of Mouthy Money, Ed is joined by Sahar Nazir to tackle the ultimate financial dilemma: should you spend your hard-earned cash on an annual holiday, or invest it for your future? With the average Brit planning to drop over £5,500 on holidays this year, we break down the staggering maths of compounding interest. Could that week in the sun actually be stealing half a million pounds from your retirement? We share our biggest vacation spending regrets (including missed flights across the Andes!), debate the "buy it twice" luxury rule, and reveal our top strategies for balancing immediate gratification with long-term wealth building. Whether you're a hardcore saver or a massive spender, this episode is packed with hacks to help you pay yourself first, travel without guilt, and rethink your out-of-office plans. Don't forget to let us know in the comments: Are holidays an essential part of your year, or a luxury you’re willing to sacrifice for financial freedom? 00:00:00 – Intro: The £500,000 Holiday Dilemma 00:01:30 – Welcome Sahar & The £5.5k Holiday Stat 00:02:40 – Ed's Expensive £2,500 Crete Getaway 00:03:40 – Sahar’s Japan Trip & The Weak Yen Hack 00:05:10 – Ed's Worst Holiday Mistake (Stranded in Chile!) 00:07:20 – The Hidden Cost of £5k+ Annual Holidays 00:09:10 – The Math: Turning Holiday Budgets into £519,000 00:10:40 – The "Buy It Twice" Luxury Rule 00:12:30 – Spender vs. Saver Mindsets & Money Regrets 00:14:40 – Striking a Balance: Cheaper Trips & Camping 00:16:30 – Holiday Sinking Funds & Bank Card Mistakes 00:18:10 – The Ultimate Money Hack: Pay Yourself First 00:19:20 – Final Thoughts & Community Question *MOUTHY MONEY* *Our substack* mouthymoney.substack.co.uk [http://mouthymoney.substack.co.uk/]  *Get in touch* ⁠⁠editors@mouthymoney.co.uk [editors@mouthymoney.co.uk] ⁠⁠ DISCLAIMER This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠ [http://www.fca.org.uk/investsmart%E2%81%A0]. Please note, video captions are auto-generated and may not be 100% accurate.

Why the Stock Market Keeps Rising Despite Global Chaos

The stock market just keeps going up, but with ongoing global uncertainty and volatility, why? In this episode of Investing Stakes, in partnership with Stratiphy, Ed, Chris T, and Chief Investment Officer Chris Ling. consider the psychology of market reversals and why earnings are currently outshining geopolitical tensions.  If you want to explore Stratiphy or build your own rules-based portfolio, you can use our referral link: 🔗 https://www.stratiphy.io/referrals?code=INVESTINGSTAKES [https://www.stratiphy.io/referrals?code=INVESTINGSTAKES] Disclosure: This is a referral link. We may receive a benefit if you sign up using it. We also reveal a massive update from Stratiphy: the launch of the UK’s first IF ISA for Crypto ETNs alongside 21Shares! Plus, it is time for a portfolio review. We compare our Stratiphy strategies: Ed’s tech-heavy "Black Elephant" vs. Chris T's infrastructure-focused "Beige Fox" and debate the big question: Is the AI infrastructure cycle an overvalued bubble, or the ultimate productivity booster? Catch episodes one and two here to see how we got started with our £500 portfolios: https://www.youtube.com/playlist?list=PLtc6AcTXUfDxsP1ayPKR_abBFtYzb2Ax8 [https://www.youtube.com/playlist?list=PLtc6AcTXUfDxsP1ayPKR_abBFtYzb2Ax8] Stratiphy uses systematic investment strategies based on momentum and moving averages to remove guesswork from portfolio management. Edmund and Chris are investing real money and tracking performance over time. Subscribe to follow the full series as the portfolios evolve. This series is produced in partnership with Stratiphy. 00:00 - Intro: Why is the Stock Market Defying Gravity? 01:35 - Stratiphy Update: UK's First IF ISA for Crypto ETNs 03:40 - Why Markets Ignore Geopolitical Uncertainty 06:15 - The Psychology of Market Reversals & Downturns 08:50 - Portfolio Reveal: Ed vs. Chris vs. Stratiphy 10:30 - Momentum Trading vs. Long-Term Trends 13:00 - The AI Debate: Overvalued Bubble or Future Growth? 16:20 - Future Outlook & Final Thoughts About Stratiphy Stratiphy is an investing app that helps everyday investors build and track systematic strategies using algorithmic investing and backtesting. Learn more about Stratiphy here:  https://www.stratiphy.io/referrals?code=INVESTINGSTAKES [https://www.stratiphy.io/referrals?code=INVESTINGSTAKES] Important: This content is for information and discussion only and is not financial advice. Capital is at risk and past performance is not a reliable indicator of future results. MOUTHY MONEY *Our substack* https://mouthymoney.substack.com/ [https://mouthymoney.substack.com/] *Get in touch* ⁠⁠editors@mouthymoney.co.uk [editors@mouthymoney.co.uk] ⁠⁠ DISCLAIMER This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠ [http://www.fca.org.uk/investsmart%E2%81%A0]. Please note, video captions are auto-generated and may not be 100% accurate.

Exposing Your Savings to the Wrong Risks

Are you exposing your money to the wrong kind of risk without even realising it? Everywhere you look online, people are talking about the power of investing—even the government has launched a "savvy squirrel" campaign to encourage it. But what happens when you skip step one? In this episode of Mouthy Money, we dive into a brand-new report from Leeds Building Society that reveals a massive blind spot in how we manage our money. Nearly a quarter of us are either leaving our rainy-day funds exposed to sudden stock market drops, or letting inflation quietly eat away at our future wealth in cash traps. Join us alongside Catherine Wray (Head of Saving at Leeds Building Society) and Chris Tuite (Head of Consumer Finance at MRM Communications) as we discuss the critical importance of building a rock-solid savings buffer before you even think about investing. We cover how much you actually need, the emotional peace of mind an emergency fund brings in an era of "perma-crisis," and how to stop inflation from eroding your hard-earned cash. If you want to protect your money today so it can grow tomorrow, you don't want to miss this! Let us know in the comments: How big is your cash savings buffer? Chapters 00:00 – Intro: Are you taking the wrong financial risks? 00:20 – The Leeds Building Society report: A huge blind spot in UK savings. 01:10 – Guest Intros: Catherine Wray (Leeds Building Society) & Chris Tuite (MRM). 02:30 – The Mismatch: Why we confuse short-term needs with long-term goals. 03:40 – Market Corrections: Why 68% of people are scared to invest. 04:10 – Is Cash a "Trap"? The emotional return on investment (peace of mind). 05:00 – The Competence Gap: Why we get basic financial questions wrong. 05:25 – The "Savvy Squirrel": Criticisms of the government’s investing campaign. 06:05 – Chris’s Strategy: Managing money in an era of "perma-crisis." 07:35 – The Cost of Comfort: How a large buffer impacts long-term pension growth. 08:50 – Why the Boiler Always Breaks: The reality of emergency expenses. 09:45 – Rules of Thumb: The 3-to-6 month savings target. 11:10 – Stop "Languishing": Why your current account is losing you money. 12:45 – Gamifying Savings: Using regular savers to build momentum. 14:15 – Strategy: Utilizing Cash ISAs and fixed-rate bonds. 14:50 – Important Update: Changes to the Cash ISA limit coming in April. 16:30 – Defining the Goal: House deposits, pensions, and long-term plans. 17:30 – Wrap-up: How do you set your savings level? MOUTHY MONEY Our substack mouthymoney.substack.co.uk [http://mouthymoney.substack.co.uk/]  Get in touch ⁠⁠editors@mouthymoney.co.uk [editors@mouthymoney.co.uk] ⁠⁠ DISCLAIMER This video is produced for general informational purposes only. It should not be construed as investment, legal, tax, mortgage or other forms of financial advice. If in any doubt about the themes expressed, consider consulting with a regulated financial professional for your own personal situation. Past performance is no guarantee of future results. Investments can go down as well as up and you may get back less than you started with. Investments are speculative and can be affected by volatility. Never invest more than you can afford to lose. For more information visit ⁠⁠⁠www.fca.org.uk/investsmart⁠ [http://www.fca.org.uk/investsmart%E2%81%A0]. Please note, video captions are auto-generated and may not be 100% accurate.