A staggering 21 million people currently hold at least one Premium Bond, with the total fund approaching £100 billion! But with a recent cut to the prize rate, and therefore a smaller chance of winning, are they worth it? Or can they actually beat easy-access saving rates elsewhere? To discuss all this I'm joined by my friend Helen Saxon, who also happens to be the Banking Editor for Money Saving Expert. * Please do leave a review and rating if this saves you money. * LINKS Money Saving Expert's Premium Bonds guide Money Saving Expert's Premium Bonds calculator Andy's guide to the best savings accounts ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podcast has been featured as one of the top finance podcasts by Apple, Good Housekeeping and the Independent. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Money Bloggers community annual awards. On each Cash Chats episode you can hear Andy share ways to get the most from your money. He's often joined for friendly and accessible conversations by a friend from the UK Money Blogger community to cover topics as diverse as freebies and investments. Andy also runs the award-winning website Be Clever With Your Cash, presented Channel 5’s Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email Andy@Becleverwithyourcash.com ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash     GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/   MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence