Hi there. Welcome to Be Clever With Your Cash.
About Be Clever With Your Cash
We’re passionate about helping you with your finances. Every pound saved or made puts us on the path to financial freedom. And there are so many things we can do every day to get us closer to achieving our goals.
Through the blog, podcast and YouTube channel, we’ll show you that being clever with your cash isn’t about not spending or living a frugal life.
Instead, it’s about understanding the ways to avoid wasting cash, knowing where to find the best deals, and learning more about your relationship with money.
All of it should leave you with extra money in your pocket – what you do with it really depends on your personal relationship with cash. So whether you save it or spend it, we’ll give you tips and tools to make that go even further too!
We really do live and breathe what we write. If we’ve written about a way to be clever with your cash we’ve done it.
And we truly believe you can do all this without having to stop living your life!
Be Clever With Your Cash timeline
Be Clever With Your Cash was launched in 2014 by journalist Andy Webb. Over the years it has won numerous awards for best money and personal finance blog.
The ‘Cash Chats’ podcast started in January 2017 and is consistently one of the most listened to personal finance podcasts in the UK. In 2022, then-Chancellor Rishi Sunak was a guest on the show.
The ‘Be Clever With Your Cash’ YouTube channel launched properly in the summer of 2020 and has more than 120,000 subscribers by November 2026.
The website, podcast and YouTube were acquired by Smart Money People in March 2023. As part of this we drew up an editorial code that protects the ethos and editorial approach of the Be Clever With Your Cash channels. You can read the editorial code here.
By November 2026 the site has been visited by more than 18 million people and viewed more than 30 million times, while the videos have been viewed almost 16.5 million times.
Andy stepped back from day to day running of the site in early 2026, but remains on board as Editor-at-Large, mainly contributing regular YouTube videos. In November 2026, Amelia Murray took over as Managing Editor.
About Smart Money People
In March 2023, Be Clever With Your Cash was acquired by Smart Money People. You can read the announcement and q&a blog from the time here.
Smart Money People is the UK’s dedicated financial services review website, committed to improving financial standards for everyone through trust, knowledge, accountability, and the power of community.
Launched in 2014, Smart Money People has collected over 1.2m reviews on products and services from financial companies including banks, building societies, insurers and credit providers. These insights, comments, and experiences not only inform more people but also help financial services companies provide a better service and products to their customers.
Smart Money People has a vast set of data on products and customer experience that we use in our Be Clever With Your Cash content, and in time we’ll show reviews from the Smart Money People community on company or product overviews on here. With this we’ll show you not just what the Be Clever With You Cash team think, but also people just like you who’ve tried and tested the services we talk about.
Awards & recognition
2026 Awards
- Winner – Andy Webb for Broadcast journalist of the Year (2026 Headlinemoney Awards)
- Finalist – Consumer Title of the Year (2026 Headlinemoney Awards)
- Finalist – Andy Webb and Amelia Murray for Finance Broadcast of the Year (2026 Headlinemoney Awards)
2025 Awards
- Finalist – Consumer Title of the Year (2025 Headlinemoney Awards)
- Finalist – Andy Webb for Savings journalist of the Year (2025 Headlinemoney Awards)
2024 Awards
- Finalist – Andy Webb for Personal Finance Broadcaster of the Year (2024 Headlinemoney Awards)
2023 Awards
- Finalist – Andy Webb for Finance Blogger of the Year (2023 Headlinemoney Awards)
- Finalist – Andy Webb for Personal Finance Broadcaster of the Year (2023 Headlinemoney Awards)
2022 Awards
- Finalist – Andy Webb for Finance Blogger of the Year (2022 Headlinemoney Awards)
- Finalist – Andy Webb for Finance Journalist of the Year (2022 British Bank Awards)
- Finalist – Andy Webb for Online Financial Influencer of the Year (2022 British Bank Awards)
2021 Awards
- Winner – Best Personal Finance Blog (2021 SHOMO Awards)
- Winner – Best Money Podcast (2021 SHOMO Awards)
- Runner Up – Best Money Saving Blog (2021 SHOMO Awards)
- Runner Up – Andy Webb for Best Money YouTuber (2021 SHOMO Awards)
- Finalist – Andy Webb for Online Financial Influencer of the Year (2021 British Bank Awards)
- Finalist – Andy Webb for Personal Finance Broadcaster of the Year (2021 Headlinemoney Awards)
2020 Awards
- Winner – Best Personal Finance Blog (2020 SHOMO Awards)
- Winner – Best Money Saving Blog (2020 SHOMO Awards)
- Runner Up – Best Money Podcast (2020 SHOMO Awards)
- Finalist – Personal Finance Blog of the Year (2020 Headlinemoney Awards)
- Finalist – Andy Webb for Personal Finance Broadcaster of the Year (2020 Headlinemoney Awards)
- Finalist – Andy Webb for Andy Webb for Best Money Video Creator (2020 SHOMO Awards)
2019 Awards
- Winner – Best Personal Finance Blog (2019 SHOMO Awards)
- Winner – Best Money Podcast (2019 SHOMO Awards)
- Runner Up – Best Money Saving Blog (2019 SHOMO Awards)
- Runner Up – Blogpost of the Year (2019 SHOMO Awards)
- Finalist – Andy Webb for Personal Finance Blog of the Year (2019 Headlinemoney Awards)
- Finalist – Andy Webb for Personal Finance Broadcaster of the Year (2019 Headlinemoney Awards)
2018 Awards
- Winner – Personal Finance Blog of the Year (2018 Headlinemoney Awards)
2017 Awards
- Winner – Personal Finance Blog of the Year (2017 Headlinemoney Awards)
- Winner – Best Money Saving Blog (2017 SHOMO Awards)
- Winner – Best Money Vlog (2017 SHOMO Awards)
- Runner Up – Best Personal Finance Blog (2017 SHOMO Awards)
- Finalist – Best Money Podcast (2017 SHOMO Awards)
2016 Awards
- Winner – Best Personal Finance Blog (2016 SHOMO Awards)
- Highly Commended – Personal Finance Blog of the Year (2016 Headlinemoney Awards)
- Finalist – Best Deals blog (2016 SHOMO Awards)
- Finalist – Best International Personal Finance Blog (2016 Plutus Awards)
2015 Awards
- Winner – Most Innovative Blog (2015 SHOMO Awards)
- Highly Commended – Andy Webb for Moneyblogger of the year (2015 Santander Media Awards)
- Finalist – Best Deals Blog (2015 SHOMO Awards)
- Finalist – Best Personal Finance Blog (2015 SHOMO Awards)
The small print
You can read more about how the blog is funded, the editorial independence, legal disclaimer, cookies and privacy policies here.
Hi Andy,
I’m a money adviser in Aberdeen and I’m fairly substantially nutty about living what I preach and budgeting well. In my spare time I’m a magician and I even use my money saving obsession as part of my act (making money appear is a handy trick for a money adviser ????). I’ve just discovered your blog and I think you’re my new hero!! ???? 😀
Cathy
Lol sorry for the rows of “???” btw – they were smiley faces until I pressed send! 😀
Forgot to add – very good site BTW
Thanks Mike!
Very good.
I’m impressed .
Thank you
I really like your website by the way, we all need every help to save money, get a few freebies and get good deals, thank you for your hard work so far.
Hi Andy, I pay my water by full bill direct debit (United Utilities) and I get £5 a year off a year, I get billed twice a year and its in the first half year bill when I get the discount taken off, so (at least with some water authorities) you can get money off paying water by direct debit.
That’s good to know John! It just shows how it’s worth checking.
Hi Andy. I am also a Crystal Palace fan and was looking to get a season ticket for next season. Will I be able to use my NUS extra card to get the student price? I qualify for the NUS card through Kaplan Financial, where I am studying an accounting qualification while working. I used it to get a concession ticket to our last game. Any insight would be much appreciated!
Hi Alex, I don’t know if Kaplan Financial qualify, but you can find out by starting the process at the NUS website. It doesn’t commit you to anything.
As for Palace – sometimes the club wants proof of a full student ID for seasons. I used my NUS on a match by match basis in the first half of the season but upgraded to a half season in January.
Sorry – just realised you already have the card!