How much money should you tip your waiter?

There are three main options for what to do with your spare cash - apart from spending it. Should you save it? Invest it? Or overpay your mortgage? In this episode, we’re joined by Which? Senior Data Journalist Josh Wilson and Tom Selby, Director of Public Policy at AJ Bell to explore the pros and cons of those options. Plus, given the Chancellor’s recent announcement that cash Isa limits will be reduced in order to encourage more people to invest, we explain the basics of using a stocks and shares Isa. Read our reviews of the best stocks and shares Isa providers & sign up for our free weekly Money newsletter Get in touch with us via email - [email protected] listeners can get 50% off an annual Which? membership Become a Which? Money member to access 1-to-1 guidance - get 25% off your first year's membership. Offer ends 8th January 2026

Deciding whether or not to buy a new mobile phone can be hard, especially when the price tags seem to rise with every new release. Every year, three of the biggest names in smartphones - Apple, Google and Samsung - show off not only a new standard handset, but usually two or three devices which all have varying degrees of tech specs. So how do you weigh up which one is right for you? All while bearing in mind the eye-watering costs. In this episode of Which? Shorts, we explain the difference between the standard models and their pro counterparts, and help you decide whether or not they're worth buying. Read our reviews of the best smartphones to buy & sign up for our free Tech newsletter Become a Which? member for 50% off the usual price

Finding the very best food and drink to serve up at Christmas can feel a daunting task, especially if you've got family and friends relying on you to deliver the goods.In this podcast, we sit down with Becky Marcus who runs our Christmas taste testing to find out how we run our rigorous testing and reveal some of the best mince pies, champagne and smoked salmon we had on test. Plus, we're joined by pastry chef Dan Lepard and Master of Wine Sam Caporn to find out what they look for when they're blind taste testing, and share their top tips for serving food this festive season. Which? members can listen to the full podcast, where Dan and Sam share their detailed analysis, by clicking here. If you're not already a member, join Which? to instantly listen to the podcast and gain access to all of our product reviews - all for 50% off your first year's membership. Read all of our Christmas food and drink reviews on our website & sign up for our free Healthy Living newsletter.

Last week’s Budget was so full of announcements, it may have left you with more questions than answers. In this episode, we’re joined by the Deputy Editor of Which? Money Editor Sam Richardson and Emma Wall, Chief Investments Strategist at Hargreaves Lansdown to answer your questions on how the Chancellor’s announcements could impact you. From cash Isa limits being reduced, to the so-called mansion tax, the new tax on electric vehicles and salary sacrifice changes, we cover the big stories that you want to know about. Read more about all of the biggest Budget announcements & sign up for our free weekly Money newsletter Get in touch with us via email - [email protected] listeners can get 50% off an annual Which? membership Become a Which? Money member to access 1-to-1 guidance - get 25% off your first year's membership. Offer ends 8th January 2026

Paying for fuel isn't getting any cheaper. So what can you do to cut the cost of driving your own car? In this episode of Which? Shorts, we give you a handful of quick and easy tips that you can use every day to make every tank of fuel go further. From simple car maintenance, to adapting your driving style, these hacks could reduce how often you're visiting the petrol forecourt. Read more of our money-saving driving tips & sign up for our free Cars newsletter Become a Which? member for 50% off the usual price

Social media is flooded with influencers jumping on trends to get a better holiday. But are they just chasing likes, or can these hacks actually save you money? In this episode of Which? Shorts, we we tested some of the most shared holiday hacks, and spent weeks haggling, checking into flights, recording and analysing data, as well as speaking to industry experts. We'll tell you which ones could save your hundreds of pounds, and which ones are utter nonsense. Read our advice on how to find cheap flights & sign up for our free Travel newsletter Become a Which? member for 50% off the usual price

Rachel Reeves stepped up to the despatch box at lunchtime on Wednesday to deliver her much-anticipated Budget speech. But how much of it will impact you? And will it be for the better, or for the worse? In this episode, we’re joined by Which? Money Editor Jenny Ross and Tom Selby, Director of Public Policy at AJ Bell to discuss how all of the big announcements could impact your day-to-day finances.From tax thresholds being frozen, to Isa allowances being changed, we analyse the biggest headlines from Reeves's second Budget speech as Chancellor. Read more of the Chancellor's announcements & sign up for our free weekly Money newsletter Send us your questions for our Budget Q&A episode via email Podcast listeners can get 50% off an annual Which? membership Become a Which? Money member to access 1-to-1 guidance

**** This episode was first broadcast in February 2025****Getting into the nitty gritty of switching banks, we explore the switching offers available now, how the switching process works, and consider whether you might actually be better off sticking with your current provider. In this episode, Which? Money expert Grace Witherden and finance content creator Gabriel Nussbaum - AKA That Money Guy - discuss the pros and cons of switching, when you should consider it, and what to be aware of when looking at switching incentives. Read more about the current switching offers & sign up to our free weekly Money newsletter. Click here to send us an email. Become a Which? Money member. Get 50% off a Which? membership.

In this episode of Which? Shorts, we reveal which home insurance policies have been awarded a Best Buy in 2025, and which providers we recommend. When a disaster strikes at home, having a solid policy covering your property is great peace of mind that you’ll get the help you need. So we've surveyed thousands of policyholders and reviewed countless policy documents to rate and review 35 providers that are available on the market. Plus, we look at what people are most likely to claim for, and explain what type of cover you actually need.Read our reviews of the best home insurance policies and providers & sign up for our free Money newsletter Become a Which? member for 50% off the usual price

There’s no doubt about it, we’re increasingly relying on AI tools to help us search for information online. But, are we becoming too reliant? In this podcast, we sit down with Which? Principal Research Andy Laughlin who unpacks the findings from his new investigation into the effectiveness of AI search tools. According to our findings, more than half of us are turning to sites like ChatGPT and Gemini when we search online, but we've found some concerning examples of when the advice they give us is far from the truth. Read more of the findings from from Andy's investigation & sign up for our free Tech newsletterPodcast listeners can get 50% off a Which? membershipClick here to send us an email Become a Which? Tech member