Stocks and shares ISAs give much better returns than cash ISAs

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What to read right now…

The timing is rather convenient but new research shows stocks and shares ISA investors are £103 better off for every £100 stashed away than their cash ISA counterparts.

If you’re feeling like you should be dipping your toes into investing, here’s a guide on how to get started.

Meanwhile, one in five Brits have less than £1,000 saved in an emergency fund.

Here’s why you absolutely should have an emergency fund, and how much you should have saved.

Finally, an opinion piece post autumn 2025 Budget that reflects what many people are feeling: what’s the point of saving for retirement?

The deal that’s a steal…

The price of cocoa has gone up a lot in recent years.

So much so that mass market chocolate makers have been rushing to change their recipes to keep costs down.

All that is a long winded way of saying there’s a great chocolate deal at the moment: Morrisons* have reduced the prices of all their chocolate advent calendars.

They’re priced between 30p (!) to £2.50 but most are around the 50p to £1 mark, and there’s everything from Cadbury’s Dairy Milk to Lindt.

They’ll be in store too but of course you’ll find a larger selection online.

And an actual freebie…

Is it too early to think about joining the gym in January?

No worries. This one is time limited and ends before Christmas.

The Gym Group* are currently offering free three-day passes that give you unlimited access to their gyms and classes.

There’s no obligation to sign up afterwards – you’re literally getting a free version of their usual three-day pass.

If you only do one thing…

Why don’t you do me a favour?

If you enjoyed the output from Money Talk this year then why not share it with a friend or three?

As you probably know, the thing that helps small businesses to grow is word of mouth and that’s certainly been the case with Money Talk.