A beginner’s guide to savings & how to maximise your interest
The Martin Lewis Podcast
BBC
4.4 • 929 Ratings
🗓️ 24 July 2025
⏱️ 65 minutes
🧾️ Download transcript
Summary
After covering investment last episode, this time Martin gives a beginner’s guide to savings, including top savings, a 25% savings boost for first-time buyers, a Help to Save 50% boost, regular savings and more. Plus, a warning for women aged between 41 and 90 who’ve previously cared for someone. And you tell us your instruction vs destruction tales.
Transcript
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| 0:00.0 | BBC Sounds, Music, Radio, Podcasts. |
| 0:04.7 | Hello, I'm Martin Lewis, and this is the cunningly named The Martin Lewis Podcast. |
| 0:09.6 | I do wonder what that's going to be about. |
| 0:11.6 | Now, usually, much of it comes from my BBC Radio 5 live show with Adrian Childs, |
| 0:15.6 | but don't worry, there's bonus money-saving tips and lots of them this week, |
| 0:20.0 | just for you lucky, lucky podcast listeners. |
| 0:22.9 | Today's big subject is a beginner's guide to savings and how to maximise your interest, |
| 0:29.2 | including cash icers, saving for your kids' university, a 25% boost for first-time buyer's savings, |
| 0:35.5 | and a 50% boost that smacks the pants off any other savings out there on the little known help-to-save account. |
| 0:43.2 | For the rest of the intro, I'll do that with Adrian after the theme tune. So what are we got to work for me. |
| 1:02.0 | I got a guy to make sure everybody is. Yeah, it's a big one this week. The main subject, last week we did a beginner's guide to investing this week. It's a beginner's guide to saving. How do you |
| 1:11.3 | maximise the interest on every penny you've got in savings accounts? How does the tax work? Should it be a cash-isor? Normal savings, regular savings, help to buy, help to save. Lifetime, ISA, where should you be putting your money or a combination of all of them? We've had hundreds of questions in. I'm going to try and get through as many of those as possible. |
| 1:09.2 | I've also got a note for you about a state pension. of all of them. We've had hundreds of questions in. I'm going to try and get through as many |
| 1:27.6 | of those as possible. I've also got a note for you about a state pension error. This applies to |
| 1:33.5 | people who took time off work between 1978 and 2010 to look after children or someone with a |
| 1:39.4 | long-term disability. You may be due tens of thousands of pounds. This week's tell us instruction |
| 1:46.7 | versus destruction. When have you not followed official product instructions and come a cropper |
| 1:53.8 | or come out smiling? People are telling us their instruction or destruction tales. And in this |
| 1:59.9 | week's mastermind, Adrian, |
| 2:01.3 | it is on broadband. |
| 2:04.3 | Okay. |
| 2:04.9 | And you need to know something, mate. |
... |
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