The penny drops thepennydrops

In the first ever episode of 'The penny drops', our host Andrea Fox speaks to TV and radio presenter, author, stand-up comedian and founder of self-help money website MoneyMagpie, Jasmine Birtles. We’re kicking off the podcast series with a look at the UK’s most asked money questions.  
How can you find more information?  
Royal London recommends you seek professional independent financial advice before making financial decisions. You can learn more about the value of financial advice on our website, or visit Unbiased to find a trusted professional in your area.  
You can also find lots of helpful general financial information on the following sites:  
Money Advice ServiceWebsite: www.moneyadviceservice.org.ukTelephone: 0800 138 7777  
Citizen’s AdviceWebsite: www.citizensadvice.org.ukTelephone: 03444 111 444  
Money Advice TrustWebsite: www.moneyadvicetrust.orgTelephone: 0808 808 4000  
Please note that all topics discussed in this episode can vary depending on your personal circumstances and investments can go down as well as up, meaning you could get back less than you invest. Tax relief could also change and depends on individual circumstances (read the Which! guide on tax reliefs for more information). Any figures quoted were accurate at the time of recording (October 2019).

In this month’s episode of 'The penny drops', our host Andrea Fox speaks to Sarah Pennells, money expert, author and creator of the UK's leading women’s money website SavvyWoman. Covering everything from contributions to taxes, we’re going back to basics on pensions.  
How can you find more information?
Royal London recommends you seek professional independent financial advice before making financial decisions. You can learn more about the value of financial advice on our website, or visit Unbiased to find a trusted professional in your area.  
You can also find lots of helpful information about pensions and retirement on the following sites:  
Pensions Advisory ServiceWebsite: www.pensionsadvisoryservice.org.ukTelephone: 0800 011 3797  
Pension WiseWebsite: www.pensionwise.gov.ukTelephone: 0800 138 3944   
Age UKWebsite: www.ageuk.org.uk/information-advice/money-legal/pensionsTelephone: 0800 055 6112  
Money Advice ServiceWebsite: www.moneyadviceservice.org.uk/en/categories/pensions-and-retirementTelephone: 0800 138 7777  
And you can read more about the difference between men and women’s pensions in this report from the Chartered Insurance Institute.  
Please note that all topics discussed in this episode can vary depending on your personal circumstances, and the value of your pension investments can go down as well as up. Tax relief could also change and depends on individual circumstances (read the Which! guide on tax reliefs for more information). Any figures quoted were accurate at the time of recording (October 2019).

In this episode of 'The penny drops', our host Andrea Fox talks to personal finance journalist and savings whizz Emma Lunn. This month we're finding out everything you need to know about how to save money.
How can you find more information?
Royal London recommends you seek professional independent financial advice before making financial decisions. You can learn more about the value of financial advice on our website, or visit Unbiased to find a trusted professional in your area.
You can also find lots of helpful information about saving on the following sites:
Money Advice ServiceWebsite: www.moneyadviceservice.org.uk/en/categories/how-to-save-moneyTelephone: 0800 138 7777  
StepChangeWebsite: www.stepchange.org/debt-info/your-financial-situation.aspxTelephone: 0800 138 1111
Which!Website: www.which.co.uk/money/savings-and-isas
Please note that all topics discussed in this episode can vary depending on your personal circumstances, and the value of investments or savings can go down as well as up. Any figures quoted were accurate at the time of recording (October 2019).

In this episode of 'The penny drops', our host Andrea Fox joins finance journalist and BBC broadcaster Guy Kilty to talk end-of-life planning and why it’s important to think about it early on.
How can you find more information?
Royal London recommends you seek professional independent financial advice before making financial decisions. You can learn more about the value of financial advice on our website, or visit Unbiased to find a trusted professional in your area.
You can also find lots of helpful information about end-of-life planning on the following sites:
Dying Matters Website: www.dyingmatters.org/page/planning-ahead Telephone: 08000 21 44 66
Age UK Website: www.ageuk.org.uk/information-advice/money-legal/end-of-life-planning Telephone: 0800 055 6112
NHS Website: www.nhs.uk/conditions/end-of-life-care
Cruse Bereavement Care Website: www.cruse.org.uk Telephone: 0808 808 1677
Bereavement Advice Centre Website: www.bereavementadvice.org Telephone: 0800 634 9494
Royal London Money Guides: www.royallondon.com/articles-guides/learn/money-guides Bereavement Hub: www.royallondon.com/articles-guides/learn/bereavement
Please note that all topics discussed in this episode can vary depending on your personal circumstances. Any figures quoted were accurate at the time of recording (October 2019).

Confused about your finances? The penny drops podcast is here to help you understand your money and make better informed financial decisions. Presenter and Broadcast Journalist Andrea Fox will be grilling financial experts on your behalf to get the best tips on topics such as savings, pensions, budgeting, debt and retirement. This podcast series is brought to you by Royal London, the UK’s largest mutual life, pensions and investment company.

Determination and motivation is something we can all struggle with, whether it's to do with our work, health, personal life or our finances. In this episode of 'The penny drops', our host Andrea Fox joins Mikael Lawal to talk about his journey from poverty to professional boxing, and how he’s managed personal and financial struggles along the way.
How can you find more information?
Royal London recommends you seek professional independent financial advice before making financial decisions. You can learn more about the value of financial advice on our website, or visit Unbiased to find a trusted professional in your area.
You can also find lots of helpful information about the topics discussed in this episode on the following sites:
Self-employmentGOV.UK: www.gov.uk/working-for-yourselfMoney Advice Service: www.moneyadviceservice.org.uk/en/categories/self-employment
Budgeting and savingMoney Advice Service: www.moneyadviceservice.org.uk/en/articles/beginners-guide-to-managing-your-money
Money worriesCitizens Advice: www.citizensadvice.org.uk/debt-and-moneyNational Debtline: www.nationaldebtline.org StepChange Debt Charity: www.stepchange.org
Mental health supportMind: www.mind.org.ukNHS: www.nhs.uk/conditions/stress-anxiety-depression/mental-health-helplines 
Please note that all topics discussed in this episode can vary depending on your personal circumstances, and savings and investments can go up and down.
This episode was recorded in January 2020 before the release of any UK Government guidance or restrictions put in place in relation to coronavirus. Any figures quoted were accurate at the time of recording.