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The pandemic has forced everyone to reexamine their finances, whether it’s dealing with a pay cut, how to best use cash from staying home, managing the ups and downs of investment markets or using this time to make a career change. Whatever the question, Financial Times consumer editor Claer Barrett knows where to find the right tips for your money. Every week, Claer talks to a listener about their money queries and consults her rolodex of financial advisors, planners and writers for no-nonsense and informed guidance that will help all of us feel more confident making our money work. Produced by Josh de la Mare and Persis Love. The sound engineer is Breen Turner and the editor is Aimee Keane. Music by Metaphor Music.

Money Clinic with Claer Barret‪t‬ Financial Times

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The pandemic has forced everyone to reexamine their finances, whether it’s dealing with a pay cut, how to best use cash from staying home, managing the ups and downs of investment markets or using this time to make a career change. Whatever the question, Financial Times consumer editor Claer Barrett knows where to find the right tips for your money. Every week, Claer talks to a listener about their money queries and consults her rolodex of financial advisors, planners and writers for no-nonsense and informed guidance that will help all of us feel more confident making our money work. Produced by Josh de la Mare and Persis Love. The sound engineer is Breen Turner and the editor is Aimee Keane. Music by Metaphor Music.

    Money Clinic meets Gina Miller

    Money Clinic meets Gina Miller

    Gina Miller’s campaigning spirit has made her front-page news — but what’s less well known is the personal story behind her own financial journey.
    As one of the highest profile women working in the City of London, the anti-Brexit campaigner has raised awareness of unfair investment charges, the impact of the gender pay gap and the need for women to embrace investing. Her latest fear? That the pandemic has set back women's’ careers and earnings prospects.
    In honour of International Women’s Day next week, the co-founder of wealth management firm SCM Direct chats to Claer for a special edition of Money Clinic.
    Aptly, the theme of IWD this year is Choose to Challenge. Follow the hashtags #ChoosetoChallenge and #MoneyClinic on social media, and follow Claer and Gina @Claerb and @ThatGinaMiller.
    If you would like to be a guest on Money Clinic and chat to Claer about a money issue that’s bugging you, get in touch - our email is money@ft.com 
    If the podcast has left you wanting to learn more about managing your money, this free to read column by Claer is a great place to start - Six financial mistakes that women need to avoid. 
    Finally, we promised to link to some sources of support for who are experiencing domestic abuse or seeking to leave abusive relationships. Here are links to the websites of UK charities Refuge, Women’s Aid and Respect Men’s Advice Line (for male victims of domestic violence). For listeners in the US, this website has links to charities and organisations.
    Acknowledgements: Brass in Pocket by The Pretenders. Hipgnosis.
     
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    • 22 分鐘
    Financial tips for the self-employed

    Financial tips for the self-employed

    Have you ever dreamt of starting your own business? It might sound more fulfilling — but being an employee has some perks you might miss. 33-year old Rhiannon set up her first business three years ago, offering virtual PA services. 
    Even though she’s making a profit, Rhiannon is struggling to find a mortgage lender who will help her buy a property. Plus, she’s unsure about whether to leave her savings in cash — or risk tying them up inside a pension. Expert help is on hand from Holly Mackay, founder of Boring Money and mortgage broker Will Rhind from Habito.
    If you would like to talk to Claer for a future podcast episode, email the Money Clinic team money@ft.com with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column.
    Further reading:
    -Writing a will is one thing that’s been on Rhiannon’s financial to-do list for a while. Listen to this Money Clinic to find out how to set one up online.
    -The pandemic has been tough on the self-employed. This Money Clinic with jewellery designer Roseanna Croft has expert tips to turn around a small business
    -Pensions have long been an issue for the self-employed. This free-to-read FT column has practical tips: Self-employed women - how good is your pension? 
    -This free-to-read FT piece reviews the apps that can help the self-employed manage their finances
    -And this Money Clinic from the New Year has the lowdown on wills
     
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    • 19 分鐘
    Starting your debt free journey

    Starting your debt free journey

    Many people would like to move to a life with less or no debt, but taking the first step requires great courage. This week Claer hears from a couple in their 30s who have each run up large credit card debts. Duncan and his partner found that the pandemic made their debt problems worse. How can they get their finances back on track? Could a debt adviser help? Chris Browning, presenter of US podcast Popcorn Finance, has practical tips, and debt advice specialist Alan McIntosh explores different solutions.
    If you would like to talk to Claer for a future podcast episode, email the Money Clinic team money@ft.com with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column.
    Further reading:
    -If you’re struggling with problem debt, this week’s experts say don’t wait for things to get worse before seeking advice. The earlier you seek help, the more options you’re likely to have
    -Free UK sources of debt advice include StepChange and Citizens Advice 
    -In the US the government’s Dealing with Debt has plenty of pointers
    -For a different take on debt and budgeting, check out this previous episode: Should I pay off my credit cards, or buy a house? 
    -Read, for free, Claer on the UK’s biggest debt helpline and advisers’ tips
     
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    • 23 分鐘
    How can I use Isas to invest or buy a property?

    How can I use Isas to invest or buy a property?

    With “Isa season” fast approaching in the UK, Claer explores how young people can use the popular tax-free accounts to invest or buy their first property. This week, she meets Ryan, a 22 year old graduate who confesses he has three Isa accounts, but doesn’t know how best to use them — or how to unlock savings bonuses potentially worth tens of thousands of pounds. Expert and practical help is on hand from Harleigh Reid, who used a Help to Buy Isa to buy her first flat at the age of just 24, and Young Money blogger Iona Bain who explains the rules of the new Lifetime Isa, which can be used for property or investing.  
    If you would like to talk to Claer for a future podcast episode, email the Money Clinic team money@ft.com with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.
    Further reading:
    -If you’re new to investing, listen to this past Money Clinic episode on starting out 
    -If you’re ready to rock with an investment Isa, check out this free-to-read FT column by Claer
    -Harleigh Reid also hosts her own YouTube channel
    -Iona Bain shortly releases her second book on investing and features in the FT talking about her Lifetime Isa 
     
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    • 22 分鐘
    How can my small business survive Covid?

    How can my small business survive Covid?

    This week, Claer meets Lowri, who runs a small events business. She’s had no work for nearly a year, and as a director of her own limited company is one of an estimated 3m people in the UK who has fallen through the cracks of government support. Living on state benefits and reliant on her local food bank, Lowri’s previous experiences of business failure have prepared her for what she fears is to come. Legal and insolvency experts provide practical tips for small business owners in a similar situation, and we have the latest on the growing political campaign for directors to be included in UK government grants. 
    If you would like to talk to Claer for a future podcast episode, email the Money Clinic team money@ft.com with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.
    Thanks to podcast experts Rebecca Seeley Harris, founder of Re Legal Consulting, and Peter Sargent, insolvency expert and consultant at Quantuma 


    Further reading:
    Read the FT story about how 262 MPs have backed Rebecca’s campaign to reform coronavirus support measures
    If your business is in financial trouble, here are links to some free sources of support mentioned in the podcast: 
    Business Debtline
    Forgotten Ltd
    Excluded UK 
    The charity Turn2Us has a very user friendly benefits calculator 


    If you are looking for more information about finding an insolvency practitioner, please see: 
    The Insolvency Service 
    R3 (the trade body for insolvency practitioners) 
     
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    • 22 分鐘
    Should I rent out my property?

    Should I rent out my property?

    Disruption from the pandemic has created plenty of ‘accidental landlords’ - homeowners with an empty property they could potentially let out. This week’s guest, Jeremy, has relocated for work - he’s renting a room in a shared house, but wants to make some cash renting out his former home. He asks Claer what taxes he’d have to pay, the rules he’d have to comply with, whether or not to use a letting agent, and how to assess whether becoming a landlord makes sense financially. Expert guidance is provided by professional landlords Ayesha Ofori, founder of the PropElle network for female property investors, and David Lawrenson, author of the bestselling book Successful Property Letting.  
    If you would like to talk to Claer for a future podcast episode, email the Money Clinic team money@ft.com with a brief description of your story. Follow Claer on Twitter and Instagram @Claerb and read her weekly Serious Money column in the FT Money section of the FT Weekend newspaper.
    Further information:
    -David Lawrenson took part in a live Q&A with FT readers last year on renting property
    -Read this FT Money article on ways landlords are tackling the effects of the pandemic 
     
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    • 20 分鐘

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