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Janine Marsh - Financial Expert

Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.

Email: [email protected]

Website: https://thriftyfamily.co.uk/

I’m Janine Marsh, and my goal is to assist people in making informed decisions about their finances, particularly when it comes to managing and overcoming debt. The rising cost of living has made this all the more crucial. Having personally experienced financial hardship and lived within the constraints of an overdraft, I have learned the importance of being frugal and smart with my money. As a mother of two young, energetic boys, I understand how challenging the balancing act of family finances can be.

A recent encounter with a £600 bailiff charge over a parking ticket sparked a new passion within me: tackling debt collectors and the system that often buries individuals in more debt.

Beyond financial guidance, broadcasting is another passion of mine. Nationally, you might still hear me on BBC Five Live, and I’ve spent over a decade on Bauer radio stations, including Rock Fm in the North West and Hallam FM in Yorkshire.

With MoneyNerd, my mission is to share every bit of knowledge I’ve gained to help your money stretch further, focusing particularly on strategies to combat debt. My aim is to be a reliable source of advice for you and to build a community where we can all share tips and strategies to weather these challenging financial times.

Financial Training

  • Certified Anti-Money Laundering Specialist (CAMLS)
  • GDPR
  • Human Trafficking and Modern Slavery
  • Inroduction to Cyber Security

Previous Experience

  • Thrifty Family – Director & Content Creator
  • BBC Radio 5 Live – Travel Presenter
  • Audio Always – Podcaster
  • Rock FM – Radio Presenter
  • Hallam FM – Breakfast Co-host

Featured Video

Janine’s picks

Janine has also appeared in…

  • The Sun (Martha Cliff) – ‘I’m a money geek and my tips will help parents save hundreds – use AI to make meal plans & never pay for a new toy again’

 

  • GOBankingrates (Cynthia Measom) – ‘10 Groceries To Buy in Bulk When You’re Broke or Just Trying To Save Money’

 

  • BBC (Yazmina Garcia) – ‘Money Diary: ‘When the kids are off you end up spending more’’

Quotes and interviews

  • “Pregnancy and childbirth can be expensive, so receiving financial support can make a big difference in your ability to cover your expenses and provide for your new family.” Good To Know
  • “I think it’s so important to share your own journey with financial trouble when building your finance blog.” Share This Blog
  • “I hope people realise that there are ways to still enjoy your life without having to fork out loads. Promotions, vouchers and apps can bring the price down. When you’re doing it everyday it really adds up.” BBC News

Other publications

Thrifty Family – 

‘My mission with Thrifty Family is to share as much knowledge as I possibly can to help your money go that little bit further. I want to be that person you can rely on for sound advice and to build a community that all share tips to get us through these tough times.’

Posts by Janine Marsh:

Good News for Morses Club Loan Holders

Janine Marsh

Some Morses Club loans have been written off! Check your email and your junk to see if your balance is now zero. Morses Club entered administration back in November 2023. At that time, approximately 68,000 loans were still outstanding, with nearly a third of them in default. Amidst the turmoil, borrowers awaited clarity on their […]
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NEW Debt Relief Order Criteria

Janine Marsh

In the Spring Budget the surprise spotlight was on Debt Relief Orders (DROs), and significant positive changes are on the horizon for those in England and Wales suffering with debt on a low income. The elimination of the £90 fee and other positive changes will make a big impact. Understanding Debt Relief Orders (DROs) DROs […]
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Your Universal Credit is Underpaid 

Janine Marsh

In the UK, a staggering 6.1 million people find themselves caught in a harsh reality that Universal Credit isn’t enough to live on. In fact it falls short by 20%. Imagine being on your own, without a job, and relying on Universal Credit to make ends meet. The stark reality is that you’ll only receive […]
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DWP’s costly mistakes

Janine Marsh

Benefit overpayments have become a financial nightmare for many, thrusting people into unexpected debt.  The Department for Work and Pensions (DWP) has made errors amounting to a staggering £600 million between 2022 and 2023, unleashing a devastating effect on claimants who find themselves struggling for cash.  These miscalculations are deducted from future payments and benefits, […]
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Time To Ban Bailiffs?

Janine Marsh

In Birmingham a jaw-dropping 500% increase in bailiff referrals has set alarm bells ringing. As we all grapple with the cost of living crisis, should councils reconsider their heavy handed bailiff approach to retrieve money? The BBC, made a Freedom of Information request, which uncovered 43,000 bailiff referrals within seven months in Birmingham, that’s nearly […]
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The UK Rental Battle – has it gone too far?

Janine Marsh

Renting a home used to be a straightforward process, but now it’s a chaotic journey filled with stress and financial disclosures.  In cities like London, prospective tenants face challenges like bidding wars, financial transparency demands, and discrimination based on educational status.  Wealthier tenants offering a year’s rent upfront are outdoing those with smaller salaries, leaving […]
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Ofgem’s Shocking Decision

Janine Marsh

This week there’s been a shocking revelation from Ofgem, the energy regulator. They’ve granted permission to major energy companies like EDF, Octopus, and Scottish Power to forcefully install pre-payment meters on customers in debt. The announcement is met with shock and disappointment, especially considering the disturbing events of last year. Last February the Telegraph led […]
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