Mouthy Money

Mouthy Money Mouthy Money is dedicated to long-term money. Investing, pensions, mortgages, protection. Home of the Mouthy Money podcast hosted by Edmund Greaves.

10/07/2026

Everyone owns Alphabet. Almost nobody's heard of Corning — a company founded in 1851 that now makes the fibre optic cables the entire AI build-out depends on.

The idea: back the AI theme without betting on a single winner. No matter who comes out on top, someone still owns the shovels.

This week on Investing Stakes, the spin-off where Ed and Chris invest their own money using , we ask whether Corning is the smarter way to back the same story. Produced in partnership with Stratiphy.

08/07/2026

MPs just used the word "mis-selling" about your student loan.

A cross-party Treasury Committee report (6 July) found the way Plan 2 loans were sold amounts to mis-selling, and told the government to reverse next April's repayment threshold freeze — a reversal it costs at £355m and calls a "moral obligation."

What it means for you: for a graduate on ~£40k, that freeze works out at roughly £740 in a single year (modelling: London Economics for the NUS & HEPI).

The Committee's Chair: "Patience has run out."

Full breakdown, fully sourced, on our Substack.

Sources: Treasury Committee, Student loans: Broken and unfair? (July 2026); London Economics/HEPI modelling (April 2026).

06/07/2026

Three in five homes listed since January still haven't sold. 🏠

Rates jumped in spring — about £125 a month on the average mortgage. But that average lies. London buyers saw £244 a month added. The North East? Just £69. Same rate rise, wildly different pain.

The good news: rates are falling and there's more choice than a year ago. If you're selling, price is the only lever that works. Priced right, it sells. Priced high, it sits.

05/07/2026

The 3.8% "prize rate" on Premium Bonds isn't interest — it's an average, and most of the prizes go to people holding tens of thousands. A Freedom of Information request by AJ Bell (January 2026) found fewer than 1% of prizes go to holdings under £1,000, and that 62% of holders — around 14.3 million people — have never won a thing.

A few quid for the fun of the draw is fine. Your life savings isn't. A top cash ISA pays around 4 to 5% with certainty, and over the long term investing has historically beaten cash, though returns aren't guaranteed. Prize rate confirmed at 3.8% for the July 2026 draw (NS&I).

Full breakdown — who should hold Premium Bonds and who shouldn't — on our Substack.

02/07/2026

Higher-rate pension tax relief is money HMRC owes you and never prompts you to take. Earn over £50,270 and pay into a pension? You're likely owed 40% relief, but most schemes only add the basic 20% automatically.

The other 20% you claim yourself through self-assessment. That's hundreds, sometimes thousands, sitting unclaimed for years. With thresholds frozen to 2031, more earners get pulled in every year.

Full breakdown on our Substack.

Send this to the highest earner you know.

01/07/2026

Master your personal budget and stop living beyond your means.

Ed struggled to make his income fit my lifestyle when he first moved to London, and it taught him that money management is a skill you cannot ignore.

Learn how to track your spending and build a system that works for your life.

Subscribe for more practical finance tips.

30/06/2026

The government’s replacing the Lifetime ISA with a new First Time Buyer ISA — and it scraps the 25% withdrawal penalty that’s caught out so many savers.

But the detail matters: it won’t launch until April 2028, the bonus rate and contribution limit are still unconfirmed, and the bonus only pays when you buy, so you lose years of compounding.

The good news for existing holders? Your LISA is safe. You can keep saving into it — and open a new one before the switch. So is the new ISA actually better? Not so sure. Here’s what it means for you.

28/06/2026

Britain's Economy Just Did Something Unexpected #2026

After years of stagnation and rising prices, some data suggests the UK economic growth trend might be shifting. This breakdown examines why the country appears to be stumbling into a recovery and what that actually means for your wallet.

Subscribe to stay updated on the latest financial shifts.

28/06/2026

Andy Burnham - tax cutter?

Andy Burnham’s might scrap inheritance tax — but read the small print before you cheer.

The pitch sounds irresistible: scrap inheritance tax, scrap council tax, maybe even stamp duty. But steady on — he wouldn’t abolish inheritance tax, he’d swap it for a care levy on estates. Bigger estates might not save a penny.

Council tax deserves to go (a modest Sunderland home can cost more than a Chelsea townhouse). But the catch? A land value tax doesn’t just hit the rich — ordinary homeowners on pricey land could face a bigger bill they can’t cover.

I think council tax and stamp duty need to go. What you replace them with is the tricky bit. Do you agree? Get deeper dives on money with the Mouthy Money podcast.

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