Mouthy Money

Mouthy Money We’re a money blog with a beating heart and a big mouth. We’re made of real people talking about real dreams, successes and failures.

29/12/2025

How a money coven transformed my finances: comedian Siân Docksey on earning in creative arts and financial confidence
Writer and comedian Siân Docksey explains her “Money Coven” - a simple weekly Zoom and WhatsApp accountability group created during a tough financial period. The result: debt tackled, income improved and a healthier relationship with money. Link in bio to the full episode.

10/12/2025

Are changes to the student loan system going to kill aspiration? Repayment thresholds are pinned down while higher earners will now pay higher interest rates on their loans.

These measures drive a cart and horses through the idea that working harder will make you better off. Why not just earn minimum wage and pull pints (or espressos) and not worry about having a career?

Full episode linked in bio.

26/11/2025

Who are the biggest losers from the 2025 Budget? Savers, earners and people with expensive properties.

Ed and Chris discuss the effects of fiscal drag which look set to tip nearly two million workers into higher tax bands.

But key to note is this is not a new tax - it is just the extension of a wheeze that the last government came up with.

What are your thoughts on the 2025 Budget? Let us know in the comments.

Full episode available in the link in bio.

24/11/2025

“For all the complaint over inheritance taxes the truth is if you are lucky enough to have parents who bought well and didn’t get divorced, then you too could inherit a property worth up to £1 million tax free. Not a penny paid to the exchequer. No wonder they’re refusing to downsize.”

Our editor, Edmund Greaves reads an excerpt from his long read on wealth and the breaking of Britain’s social contract.

You can check out the full piece in the link in our bio.

"Like the embattled Caesars of Rome, the state throws bread to the masses while it quietly lines the pockets of its very...
20/11/2025

"Like the embattled Caesars of Rome, the state throws bread to the masses while it quietly lines the pockets of its very own praetorian guard of gerontocratic voters with everyone else’s earnings."

Our editor Edmund Greaves writes this week a long read on why wealth is breaking Britain's social contract. Let us know your thoughts in the comments. Link to article in our bio.

19/11/2025

What does it take to be considered wealthy in Britain in 2025?

A report this week in The Times suggests a major gulf in perception over what being wealthy means to many in Britain today.

Rising living costs, stagnant wages and financial precarity mean that even high earners often no longer feel well off, despite meeting traditional markers like home ownership or an above-average income.

There is a growing gap between where wealth actually sits and how people perceive it. Much of the country’s wealth is concentrated among older generations through property and pensions. Meanwhile younger people face limited mobility, higher debt and fewer routes to long-term security. This mismatch fuels rising political tension over who should bear more of the financial burden.

Underlying structural issues such as the housing shortage, an outdated tax system, unstable job prospects and extreme concentrations of global wealth further complicate how society understands financial success.

Watch the latest Mouthy Money podcast episode where Edmund Greaves and Chris Tuite tussle it out to decide what it means to be wealthy in Britain today. Linked in bio.

17/11/2025

Do you feel rich? A new report from The Times says 90% of people earning £100k–£125k still don’t consider themselves wealthy.
Inflation is eroding living standards, the definition of ‘rich’ has blurred and even homeowners with solid incomes don’t feel affluent. Meanwhile, trillions in baby-boomer wealth sit tied up in property and pensions, but they don’t feel rich either.
This confusion feeds straight into the tax debate: the Government keeps saying “those with the broadest shoulders” should pay more, but no one seems to agree who that is.
We’re getting into this on Mouthy Money this week, so keep an eye out for the latest episode and subscribe for more.
Do you feel rich? What does wealth look like in 2025? Wealth taxes? Economic growth? Something else? Tell us.

14/11/2025

Do you succumb to lifestyle inflation? Mouthy Money editor Edmund Greaves shares what he learned buying a second-hand jacket for £45 instead of new for £300 and why there’s a lesson in it somewhere for his money.

Lifestyle inflation or ‘lifestyle creep’ is the effect when our earnings rise, but our costs go up to match. The problem is we might be earning more, but we’re still getting to the end of the month with nothing to show for it.

Instead, its time to bank those payrises, bonuses and windfalls. Every win for your savings is a win for your long-term financial freedom.

We’re all about how to build towards that freedom on Mouthy Money. Follow us for more and subscribe to our regular updates.

12/11/2025

📉 Is property still Britain’s best investment? Think again.
UK property values (after inflation):
– Down 9% over 3 years
– Down 2% over 5 years
📈 Global stocks: Up 132% over 10 years
💬 “We need to stop treating property like a guaranteed investment and start diversifying.” - Marianna Hunt, Fidelity International
🎧 Full episode out now on the Mouthy Money Podcast → linked in our bio

10/11/2025

Is your house losing you money? Editor Edmund Greaves shares his experience in home ownership and the fact that the property he bought with his wife in 2022 has lost £20,000 in value thanks to local market dynamics where they live and the timing of when they bought.

Now he wants to move the calculations for doing that have become more complicated. And it begs a wider question - is buying a home still a good investment?

We’ve got an excellent guest coming on the Mouthy Money podcast this week to discuss this topic. She’s coming ready with charts and data that show the dream of owning a home in the UK - and the possibility that it will always go up in value - might no longer be true in 2025.

Do you treat your home as an investment? Or is it just somewhere to live and not have to pay rent? Let us know in the comments

Sign up to our podcast on YouTube, Spotify or Apple Podcasts to hear that conversation coming this week. All the links you need are in our bio.

07/11/2025

Time to get rid of stamp duty land tax. Stamp duty is one of the stupidest taxes we live with in the UK. A tax on moving house is ludicrous.

From pensioners wanting to downsize, to renters who have to pay higher fees and families who are stuck in too-small homes, it hurts all of us.

It’s such a bad tax, think tanks from across the political spectrum want to see it gone.

Research from the Adam Smith Institute suggests that getting rid of the tax would cost the Treasury £5bn a year. But it would boost the economy by £20bn a year.

It would mean nearly 40,000 more homes built every year. Nearly 350,000 more property transaction. Getting rid of it is a no brainer.

Unfortunately it doesn’t look like editor Edmund Greaves will get his wish any time soon, but he can hope! Let us know what you think of stamp duty in the comments.

Give us a like, follow and subscribe to the Mouthy Money podcast for more. Link in bio.

06/11/2025

Bank of England holds base rate at 4%.

Despite the Chancellor signalling she wanted to get inflation down in her Budget, it would seem the Monetary Policy Committee is not so sure about these plans.

Inflation is still harming our finances, years since we first had the cost-of-living crisis. And it doesn't look like its going to get better any time soon.

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