iiinova — where your digital self keeps evolving

Martin Lewis @martinlewis.moneysavingexpert.com · 11h

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.

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Martin Lewis @martinlewis.moneysavingexpert.com · 05/10/2026

Easy links to listen to the podcast For everyone www.BBC.co.uk/sounds/brand... (free, no licence fee needed but need to sign up) For Apple users... podcasts.apple.com/gb/podcast/t... And if you listen to podcasts elsewhere it should be on that too

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Martin Lewis @martinlewis.moneysavingexpert.com · 05/10/2026

- 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

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Martin Lewis @martinlewis.moneysavingexpert.com · 05/10/2026

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.

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Martin Lewis @martinlewis.moneysavingexpert.com · 05/10/2026

The cost of your fixed rate energy tariff can RISE! 👇

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Martin Lewis @martinlewis.moneysavingexpert.com · 02/10/2026

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.

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Martin Lewis @martinlewis.moneysavingexpert.com · 02/10/2026

Listen on www.bbc.co.uk/sounds/play/..., Apple and elsewhere good or mediocre pods are listed.

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Martin Lewis @martinlewis.moneysavingexpert.com · 02/10/2026

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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Martin Lewis @martinlewis.moneysavingexpert.com · 01/10/2026

So in the third year the pension would just increase by the 2.5% inflation (not the 5% growth of average earnings)

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Martin Lewis @martinlewis.moneysavingexpert.com · 01/10/2026

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.

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Martin Lewis @martinlewis.moneysavingexpert.com · 01/10/2026

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%).

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Martin Lewis @martinlewis.moneysavingexpert.com · 01/10/2026

Pension triple lock: what's REALLY happening. There’s a huge amount of misunderstanding out there. My must-watch mini-briefing I hope keeps it as simple as possible, so you can see how it’d likely roughly really work. As for is it good or bad… that’s your decision, not mine.

youtu.be

Pension triple lock: what's REALLY happening

YouTube video by Martin Lewis

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Martin Lewis @martinlewis.moneysavingexpert.com · 01/10/2026

ENERGY PRICE CHANGE DAY. On monthly direct debit without a working smart meter? Submit a reading in next day or two. - On price cap, its up 3.6% today - On a fix, VAT scrapping means elec's 4.8% cheaper A reading ensures you're not billed for too much use at the higher rate.

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Martin Lewis @martinlewis.moneysavingexpert.com · 30/09/2026

Tomorrow, Thurs 7.30pm, I’m doing a ASK ME ANYTHING (within reason) LIVE at www.youtube.com/@martinlewis (do subscribe for a notification) or you can catch up after. To ask a questions, either post during the live, or submit now via the Posts section of my YT channel (you need to be subscribed).

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Martin Lewis @martinlewis.moneysavingexpert.com · 30/09/2026

The markets expect four UK base rate rises within the next year. So interest rates are volatile and on the up. Millions have mortgage deals ending, if that’s you, this is a key timing tip to talk to a mortgage broker about. Courtesy of a @thismorningitv.bsky.social phone-in.

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Martin Lewis @martinlewis.moneysavingexpert.com · 29/09/2026

If the triple lock on pensions will be scrapped. The 1st priority is to fix Pension Credit - the top up for the lowest earning pensioners to give them a basic minimum income. Shamefully many 100,000s of the poorest pensions still miss out on what they're entitled to.

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Martin Lewis @martinlewis.moneysavingexpert.com · 29/09/2026

Bought or leased a NEW car or van 2006 to 2015? You may be due a share of £56m! Millions due small payouts of £25+ just agreed in a legal case. It's about vehicles shipped to the UK, which is many of em. See www.moneysavingexpert.com/reclaim/car-... NB Its separate from missold Car finance

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Martin Lewis @martinlewis.moneysavingexpert.com · 29/09/2026

Martin Lewis was arguably one of the pioneers of self-publishing & ‘content creation’ when he set up MoneySavingExpert.com for £100 in 2003. He was asked on This Morning about what he thought of Content Creator courses now being offered by Universities – as some have poo-poohed the idea. His reply:

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Martin Lewis @martinlewis.moneysavingexpert.com · 28/09/2026

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Martin Lewis @martinlewis.moneysavingexpert.com · 28/09/2026

- What should every teenager know about money? {Must listen even for adults] - Are Time of use tariffs (Agile & Tracker): still worth it? - Can I stooze with other 0% finance too? Answers to these listener questions & more in his new MARTIN'S QUESTION TIME podcast avail on BBC Sounds, Apple etc

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Martin Lewis @martinlewis.moneysavingexpert.com · 27/09/2026

On a packed train with my family. Couple across the aisle both alternatively playing social media videos on speakers at full volume. Managed not to say anything until the woman started playing a documentary about serial killers. I'm here with my daughter. I politely said...

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Martin Lewis @martinlewis.moneysavingexpert.com · 25/09/2026

It's the weekend! Working in the sun Drinking Schnaps, having fun, That's livin' alright That's livin' alright Have a great one. See you monday. Auf Wiedersehen

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Martin Lewis @martinlewis.moneysavingexpert.com · 25/09/2026

Easy links to listen to the podcast For everyone www.bbc.co.uk/sounds/brand... (free, no licence fee needed but need to sign up) For Apple users... podcasts.apple.com/gb/podcast/t... And if you listen to podcasts elsewhere it should be on that too

podcasts.apple.com

The Martin Lewis Podcast

Business Podcast · Updated twice weekly · Martin Lewis answers your financial questions, offering valuable money-saving tips.

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Martin Lewis @martinlewis.moneysavingexpert.com · 25/09/2026

UK rates are likely to rise. If you’ve got spare cash should you save or overpay a mortgage? If you do overpay for the big savings ensure it reduces what you owe, not lengthen the term. Far more in 'What’s happening to interest rates? Mortgages, savings & more’ Martin Lewis pod.

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Martin Lewis @martinlewis.moneysavingexpert.com · 23/09/2026

“But it’s only a simple will!” Is it really? In Martin’s section on Wills on @ThisMorning, many were asking about can they do a simple will themselves, yet are they really simple. With both Will Aid and Free Wills months about to offer free or cheap solicitor drafted wills, its worth considering.

youtu.be

“But it’s only a simple will!” Is it really?

YouTube video by Martin Lewis

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Martin Lewis @martinlewis.moneysavingexpert.com · 22/09/2026

You can’t leave a pension in your will. You need to tell the pension provider or trustees who you want the money to go to if you die, it’s done via a nomination form or expression of wishes form. Make sure yours is done and up to date. Clip courtesy of @thismorningitv.bsky.social

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Martin Lewis @martinlewis.moneysavingexpert.com · 22/09/2026

My new 'how best to lend to friends or family (or not?' guide... www.moneysavingexpert.com/loans/lendin... Including... How to check they can repay | The tax implications | A free lending agreement template | And what to do if they don't pay it back?

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Martin Lewis @martinlewis.moneysavingexpert.com · 22/09/2026

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Martin Lewis @martinlewis.moneysavingexpert.com · 22/09/2026

My energy is fixed but should I ditch to refix early due to hikes? Will our wedding hit our mortgage? How to switch joint savings? Answers to these listener questions & more in his new must-listen MARTIN'S QUESTION TIME podcast available on BBC Sounds, Apple and elsewhere (links below)

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Martin Lewis @martinlewis.moneysavingexpert.com · 18/09/2026

And that's it for another week. Thanks for all the messages and comments. I'll see you Tuesday (I'm not working Mon). Have a great weekend

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Martin Lewis @martinlewis.moneysavingexpert.com · 18/09/2026

Is now the time to ban unnecessary Christmas presents? Plus with under 100 days to go, top tips to ease costs & stress, from free cash to playing Basket Bluff for discounts. All in this weeks new mini Martin Lewis Pod BBC.co.uk/sounds/brand... podcasts.APPLE.com/gb/podcast/t... & elsewhere

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Martin Lewis @martinlewis.moneysavingexpert.com · 18/09/2026

“Will you ditch energy Standing Charges?” A snippet of Martin’s interview with Energy Secretary Miatta Fahnbulleh. For more inc on why prices are rising not falling, green policy, regional pricing, and Jan’s predicted 24% price hike, watch the full energy bills special www.itv.com/watch/the-ma...

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Martin Lewis @martinlewis.moneysavingexpert.com · 17/09/2026

“Why are bills UP £300 when they were meant to be DOWN £300?” Martin puts your first Q to Energy Secretary Miatta Fahnbulleh. For more inc on standing charges, green policy, regional pricing, and Jan’s predicted 24% price hike. Watch the full energy bills special on www.itv.com/watch/the-ma... ITVX

youtu.be

“Why are bills UP £300 when they were meant to be DOWN £300?”

YouTube video by Martin Lewis

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Martin Lewis @martinlewis.moneysavingexpert.com · 16/09/2026

For far more help, including if you're already fixed, plus my interview with the Energy Secretary about what the Govt will do, watch last night’s full Martin Lewis Money Show Energy Special on www.itv.com/watch/the-ma... itvX

itv.com

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Martin Lewis @martinlewis.moneysavingexpert.com · 16/09/2026

I'm afraid it's now predicted the energy Price Cap will rise 24% in January. The Cap applies to all firms' standard tariffs (bar in N. Ireland), so if you're not on a fix or special deal, you, like most people, are on it.

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Martin Lewis @martinlewis.moneysavingexpert.com · 15/09/2026

Hi folks, just left the studio after tonight's @itvMLshow. If you watched I hope you found it interesting, or useful, or in bits enjoyable. Thank you to @Miatsf for agreeing to come on and take your questions. #MartinLewis

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Martin Lewis @martinlewis.moneysavingexpert.com · 15/09/2026

I'll talk you through the options still available to beat this likely hike, and put your Qs to the Energy Sec of State about what govt will or won't do about it. I'm leaving for the studio now. Don't miss it.

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Martin Lewis @martinlewis.moneysavingexpert.com · 15/09/2026

Not good news. Latest Jan energy Price Cap predictions show a rise well OVER 20%. So tonight's 7pm @itvMLshow energy bills special is must watch...

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Martin Lewis @martinlewis.moneysavingexpert.com · 15/09/2026

“In line with the commitment made at Budget 2025, pensioners who only just the exceed the personal allowance will not have the administrative burden of paying small amounts of tax in this Parliament. The chancellor will set out further details on how that commitment will be delivered at the Budget.”

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Martin Lewis @martinlewis.moneysavingexpert.com · 15/09/2026

NEWS! Govt's confirmed it WILL keep this promise. I've got a statement from Minister for Pensions Torsten Bell 👇

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Martin Lewis @martinlewis.moneysavingexpert.com · 15/09/2026

The £13,000 applies to someone on the full new State Pension. - Those who hit pension age before April 2016 are on the old State Pension which is less at the basic amount. - Those who didn't get maximum national insurance contributions don't get the full amount

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Martin Lewis @martinlewis.moneysavingexpert.com · 15/09/2026

Will the govt honour Rachel Reeves pledge to me when she was Chancellor that from next April "a pensioner only getting state pension won't pay tax".

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Martin Lewis @martinlewis.moneysavingexpert.com · 15/09/2026

News. It's likely the State Pension will rise by 3.9% next April based on the rise in average earnings that has just been published. This'd take the full new State Pension it to just over £13,000, yet the tax free personal allowance is frozen at £12,570.

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Martin Lewis @martinlewis.moneysavingexpert.com · 13/09/2026

This is a very disappointing response that does little to help the millions of students already struggling with student loans! My view on the govt's reponse today to the Treasury Committee student loan report...

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Martin Lewis @martinlewis.moneysavingexpert.com · 11/09/2026

Wishing a Shana Tova to all celebrating Rosh Hashanna, the Jewish New Year, tonight, may your apples be ever honeyed. And wishing everyone, everywhere, a peaceful, healthy and happier year. Have a wonderful weekend. See you monday.

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Martin Lewis @martinlewis.moneysavingexpert.com · 11/09/2026

bbc.co.uk

BBC Sounds - The Martin Lewis Podcast - Available Episodes

Listen to the latest episodes of The Martin Lewis Podcast on BBC Sounds.

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Martin Lewis @martinlewis.moneysavingexpert.com · 11/09/2026

A warning for parents: hidden tax trap if you invest or save for your children. Its there to stop you stuffing all your money in your kids name, but you need to know how it works. Far more on how to invest & save for your child in this weeks The Martin Lewis Podcast

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