Listen to Episode 556
In this week's episode, I analyse some recent research from JP Morgan Personal Investing and explain how inconsistent contributions can hurt your overall portfolio performance.
Next, Andy and I chat with Jordon Cox, known to many as 'Britain's Coupon King', who shares some practical money-saving hacks and tips.
[AD] Thank you to our sponsor Interactive Investor
New customers can receive £100 in free trades when they open an Interactive Investor Trading Account before 31st July 2026. Terms & fees apply. Capital at risk. https://moneytothemasses.com/redir/ii-podcast
Support the podcast
Remember to like, subscribe and follow us on all our socials. You can also support the Money to the Masses podcast by visiting our dedicated podcast page.
Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.
Watch the video version of the podcast below:
You can also listen to other episodes and subscribe to the show by searching 'Money to the Masses' on Spotify or by using the following links:
Listen on iTunes Listen on Spotify via RSS
Message from Damien & AndySupport the podcast!
You can now support the Money To The Masses podcast by visiting this page when making any financial decision
- Save money
- Earn cashback
- Exclusive offers for listeners
Episode 556 Podcast Summary
Money-saving hacks with Britain's coupon king
Summary:
We discuss practical strategies for reducing daily expenses and getting maximum value from purchases with Jordon Cox. From utilising cashback platforms and stacking discounts to taking advantage of hidden subscription perks like Amazon’s voucher page and shared family accounts, Jordon explains how small savings accumulate over time. He also explains advanced travel reward strategies, including how he used Avios points and hotel points to secure flights to Athens for £2, alongside practical supermarket tips such as decoding promotional shelf labels.
Key Insights:
- Small savings accumulate over time - Saving £10 per week adds up to £520 over a year and over £5,000 across a decade.
- Deal stacking maximises returns - Combining sale prices with voucher codes, cashback platforms, and reward credit cards provides multiple layers of savings on standard purchases.
- Hidden perks offer extra value - Services like Amazon Prime include lesser-known benefits, such as free takeaway delivery through linked partner accounts, discounted cinema tickets, and account sharing via Amazon Family.
- Flexible hotel bookings save money - Booking hotel rooms with free cancellation allows travellers to monitor price drops closer to the stay date and rebook at lower rates.
- Label codes reveal expiration dates - Supermarket shelf tags often feature promotional end dates printed backwards, allowing shoppers to plan when to stock up.
The hidden cost of irregular investing
Summary:
I talk through research from JP Morgan Personal Investing, which reveals that only 11% of UK adults invest regularly, while 62% rely on manual monthly transfers. Backtested data over a 10-year period shows that investors who miss monthly contributions achieve significantly lower long-term returns than those who automate their investments. The analysis highlights that paying yourself first via automated direct debits helps maximise pound-cost averaging and compounding growth, removing the temptation to skip contributions during tight months.
Key Insights:
- Inconsistency penalises long-term growth - A 10-year backtest showed a regular £100 monthly investor in a global equity tracker accumulated £23,826, compared to £15,853 for an irregular investor who skipped four months per year.
- The cost of skipping payments compounds - The £8,000 difference between regular and irregular investors resulted from £4,000 in missed deposits and £4,000 in lost compounding growth.
- Smaller regular sums beat irregular larger sums - Investing £66.67 consistently every month yielded £15,884 over 10 years, slightly outperforming an overcommitted investor putting in £100 irregularly.
- Automation ensures commitment - Setting up a direct debit on payday treats investment contributions as an essential bill, establishing a disciplined "pay yourself first" approach.
- Pound-cost averaging smooths market volatility - Regular monthly investing automatically buys more shares when prices drop, boosting long-term wealth when markets recover.
Resources
Links referred to in the podcast:
MTTM AI (beta) 
