E47: The 'Singles Tax' - how much is it costing you? With Bobby Seagull MBE, Emma Barnes, and Valentina Adaldo

E47: The 'Singles Tax' - how much is it costing you? With Bobby Seagull MBE, Emma Barnes, and Valentina Adaldo

February 22, 2026 · 30 min · Season 5 · Episode 47

About this episode

The episode discusses the financial implications of being single, referred to as the 'Singles Tax', and offers insights on how to manage finances effectively as a singleton.

One in every three households in the UK is now single occupancy . Here's the issue: being single could be costing you more. The so-called 'Singles Tax' is real. Cohabiting couples pay less per person on everything from energy bills to hotel rooms. So if you're single, or living alone, how much extra are you paying and what can you do about it? Join our host, Philippa Lamb, and our expert panel as they discuss the 'Singles Tax': Maths Teacher turned Broadcaster, Bobby Seagull MBE; Content Creator, Emma Barnes; Senior eCRM Manager at PensionBee ; Valentina Adaldo. Episode breakdown 05:18 Flatmates vs. living alone trade-offs 08:02 'Houses before spouses' movement 10:48 Redundancy when single hits harder 14:40 Building your own financial safety net 15:09 Savings hacks for couples vs. singles 18:17 Wedding season costs and pooling gifts 23:42 Saving for retirement while single 25:59 Money tips for savvy singletons Further reading and listening To learn more about the 'Singles Tax', check out these articles and podcasts from PensionBee: Episode transcript (Blog) E14: What's the impact of your relationship status on your finances? (Podcast) E27: What's the cost of friendship? (Podcast)…

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