The Cost Saver Podcast

Buy-to-let mortgage smaller than expected? See how ICR, rental stress tests and Section 24 affect your borrowing limit, with examples and a free UK calculator. Read the full article and use the related tools at https://www.cost-saver.co.uk/podcasts/buy-to-let-icr-section-24-borrowing-limit?utm_source=podcast&utm_medium=rss&utm_campaign=episode AI Disclosure: This episode uses AI-assisted narration...

DIY probate vs solicitor in the UK: compare fees, executor time and estate risks. Use our checklist and calculator to choose the right help and avoid costs. Read the full article and use the related tools at https://www.cost-saver.co.uk/podcasts/uk-probate-diy-solicitor-cost-complexity-decision?utm_source=podcast&utm_medium=rss&utm_campaign=episode AI Disclosure: This episode uses AI-assisted narr...

UK earthquake myths explained: check if a tremor near you was real using BGS data, learn what else can shake your home and what to do if you spot damage. Read the full article and use the related tools at https://www.cost-saver.co.uk/podcasts/uk-earthquake-myths-facts-check-tremor-location?utm_source=podcast&utm_medium=rss&utm_campaign=episode AI Disclosure: This episode uses AI-assisted narration...

Healthy meal planning on a UK budget: try a 7-day menu, shop smarter and compare pack costs with meal costs. Build your plan with our free UK meal planner. Read the full article and use the related tools at https://www.cost-saver.co.uk/podcasts/uk-healthy-budget-meal-planning-framework?utm_source=podcast&utm_medium=rss&utm_campaign=episode AI Disclosure: This episode uses AI-assisted narration and...

Check Statutory Sick Pay 2026 eligibility, estimate your take-home pay and see your sick leave income gap. Compare the new rules and forecast pay for free. Read the full article and use the related tools at https://www.cost-saver.co.uk/podcasts/uk-statutory-sick-pay-income-gap-guide?utm_source=podcast&utm_medium=rss&utm_campaign=episode AI Disclosure: This episode uses AI-assisted narration and is...

Why does NHS prescription spending vary by ICB? Learn to compare NHSBSA costs per head, understand medicine mix and avoid misleading rankings with our free tool. Read the full article and use the related tools at https://www.cost-saver.co.uk/podcasts/why-nhs-prescription-spending-varies-by-icb?utm_source=podcast&utm_medium=rss&utm_campaign=episode AI Disclosure: This episode uses AI-assisted narra...

Check UK food hygiene ratings beyond the 5-star sticker. See what scores miss, verify inspection dates and addresses, and ask allergen questions before eating. Read the full article and use the related tools at https://www.cost-saver.co.uk/podcasts/uk-food-hygiene-rating-safe-eating-checklist?utm_source=podcast&utm_medium=rss&utm_campaign=episode AI Disclosure: This episode uses AI-assisted narrat...

Can I vote in the UK? Check voter registration deadlines, eligibility, address changes and voter ID. Use our free deadline checker before the next election. Read the full article and use the related tools at https://www.cost-saver.co.uk/podcasts/uk-voter-registration-deadlines-address-eligibility-guide?utm_source=podcast&utm_medium=rss&utm_campaign=episode AI Disclosure: This episode uses AI-assis...

Choosing a GP surgery in the UK? Check 7 access numbers, including appointment waits and evening hours, before you register. Compare local practices for free. Read the full article and use the related tools at https://www.cost-saver.co.uk/podcasts/uk-gp-access-checklist-surgery-registration?utm_source=podcast&utm_medium=rss&utm_campaign=episode AI Disclosure: This episode uses AI-assisted narratio...

UK food allergen labels explained: spot hidden names across all 14 allergens, understand 'may contain' warnings and follow a five-step check before you buy. Read the full article and use the related tools at https://www.cost-saver.co.uk/podcasts/uk-food-allergen-labels-hidden-ingredients-decoded?utm_source=podcast&utm_medium=rss&utm_campaign=episode AI Disclosure: This episode uses AI-assisted nar...

30 hours free childcare in England covers 1,140 hours a year—not every week. Check stretched hours, nursery charges and eligibility before you budget. Read the full article and use the related tools at https://www.cost-saver.co.uk/podcasts/30-hours-free-childcare-stretched-allowance-hidden-nursery-fees?utm_source=podcast&utm_medium=rss&utm_campaign=episode AI Disclosure: This episode uses AI-assis...

Where does a £250k pension pot last longest in the UK? Compare regional retirement costs, State Pension income and drawdown estimates, then test your area. Read the full article and use the related tools at https://www.cost-saver.co.uk/podcasts/uk-retirement-regional-cost-pension-pot-longevity?utm_source=podcast&utm_medium=rss&utm_campaign=episode AI Disclosure: This episode uses AI-assisted narra...

DIY lasting power of attorney: avoid 5 OPG rejection traps, see when deputyship could cost £3,000 and compare DIY versus solicitor fees in England and Wales. Read the full article and use the related tools at https://www.cost-saver.co.uk/podcasts/diy-lpa-rejection-traps-opg-deputyship-costs?utm_source=podcast&utm_medium=rss&utm_campaign=episode AI Disclosure: This episode uses AI-assisted narratio...

Flexible vs standard ISAs: learn when withdrawals use your £20,000 allowance, how same-tax-year replacements work, and what to check before moving ISA money. Read the full article and use the related tools at https://www.cost-saver.co.uk/podcasts/flexible-vs-standard-isa-allowance-rules-uk?utm_source=podcast&utm_medium=rss&utm_campaign=episode AI Disclosure: This episode uses AI-assisted narration...

HMO vs single-let in 2026: compare 10-year cashflow after voids, bills, interest and tax. See UK examples and test your deal with our free calculator. Read the full article and use the related tools at https://www.cost-saver.co.uk/podcasts/hmo-vs-single-let-10-year-cashflow-comparison?utm_source=podcast&utm_medium=rss&utm_campaign=episode AI Disclosure: This episode uses AI-assisted narration and...

Article 4 HMO licensing and planning are separate. Check permissions, licence fees and hidden costs before you buy; estimate your HMO budget with our calculator. Read the full article and use the related tools at https://www.cost-saver.co.uk/podcasts/article-4-hmo-licensing-planning-costs-traps?utm_source=podcast&utm_medium=rss&utm_campaign=episode AI Disclosure: This episode uses AI-assisted narr...

Landlord gas safety certificate (CP12) due? Avoid five costly mistakes, check tenant delivery deadlines and plan your next inspection with our free calculator. Read the full article and use the related tools at https://www.cost-saver.co.uk/podcasts/landlord-gas-safety-cp12-compliance-mistakes-eviction?utm_source=podcast&utm_medium=rss&utm_campaign=episode AI Disclosure: This episode uses AI-assist...

Inside vs outside IR35 day rate in 2026: see the uplift needed to break even after umbrella fees, employer NI and tax. Compare take-home pay with our UK calculator. Read the full article and use the related tools at https://www.cost-saver.co.uk/podcasts/inside-vs-outside-ir35-day-rate-parity-break-even-uk?utm_source=podcast&utm_medium=rss&utm_campaign=episode AI Disclosure: This episode uses AI-as...

UK sabbatical budget: discover 5 hidden career-break costs, from pension gaps to insurance and job hunting. Calculate your runway before unpaid leave. Read the full article and use the related tools at https://www.cost-saver.co.uk/podcasts/uk-career-break-sabbatical-runway-hidden-costs?utm_source=podcast&utm_medium=rss&utm_campaign=episode AI Disclosure: This episode uses AI-assisted narration and...

NHS medicine shortages explained: how Serious Shortage Protocols work, what to do when your pharmacy runs out, and how to avoid £100+ private prescription fees. Step-by-step UK patient guide. Read the full article and use the related tools at https://www.cost-saver.co.uk/podcasts/nhs-medicine-shortages-ssp-decision-framework?utm_source=podcast&utm_medium=rss&utm_campaign=episode AI Disclosure: Thi...

The lifetime cost of dog ownership in the UK averages £26,000 — not the £5–10k most expect. See the full breakdown and calculate your monthly budget free. Read the full article and use the related tools at https://www.cost-saver.co.uk/podcasts/lifetime-dog-ownership-cost-breakdown-uk?utm_source=podcast&utm_medium=rss&utm_campaign=episode AI Disclosure: This episode uses AI-assisted narration and i...

Leasehold vs freehold: discover the hidden service charges, ground rent traps and major works bills that add up to £40,000+ over 20 years. Run our free UK cost comparison now. Read the full article and use the related tools at https://www.cost-saver.co.uk/podcasts/leasehold-vs-freehold-hidden-costs-20-year-tco?utm_source=podcast&utm_medium=rss&utm_campaign=episode AI Disclosure: This episode uses...

Annuity rates hit 6.5–7.2% in 2026. But sequence of returns risk can silently drain a drawdown pot by tens of thousands. Compare both options and your failure rate — free UK tool included. Read the full article and use the related tools at https://www.cost-saver.co.uk/podcasts/annuity-vs-drawdown-pension-failure-rate-uk?utm_source=podcast&utm_medium=rss&utm_campaign=episode AI Disclosure: This epi...

SMP rate 2026/27 is £194.32/week. Learn why maternity pay drops at week 7, who qualifies, paternity pay rules & employer clawbacks. Use our free calculator. Read the full article and use the related tools at https://www.cost-saver.co.uk/podcasts/uk-maternity-paternity-pay-smp-calculator-guide?utm_source=podcast&utm_medium=rss&utm_campaign=episode AI Disclosure: This episode uses AI-assisted narrat...

Returning to the UK as an expat? Discover the hidden year-one setup costs—including housing, banking, and tax traps—plus actionable tips to budget and save. Read the full article and use the related tools at https://www.cost-saver.co.uk/podcasts/returning-expat-uk-hidden-costs-setup-guide?utm_source=podcast&utm_medium=rss&utm_campaign=episode AI Disclosure: This episode uses AI-assisted narration...