We finally have a trade deal with the EU. It’s taken four and a half years to get to this point, but it’s good news whether you voted to remain or leave as "No Deal" would have been a nightmare. Of course, Covid is going to make the transition even harder, so it’ll be difficult to see the true impact of a lot of this while that’s still going on, and possibly even longer as we work our way out of it. Particularly for things like savings and house prices. But we do know some of the immediate impacts. Now the trade deal is a huge document, so I’m sure there are still elements that haven’t been picked up yet, but I’ve gone through lots of the news reports to find out what the deal means for your finances from January 1st. * Please do leave a review and rating if this saves you money. * 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