Family finance tips for every budget

Charlotte Beugge is skinted
Jane Wallace is minted

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Dreaming of moving abroad? Here’s the reality.

Dreaming of moving abroad? Here’s the reality.While the UK has been blessed with perfect weather for the past few weeks, somehow the sun is always brighter aboard: which is why this weekend marks the peak exodus of Brits to foreign holiday resorts. Because while eating fish & chips watching the English Channel is great, it doesn’t really co...

Would YOU fix your mortgage for 10 years?

Would YOU fix your mortgage for 10 years?Ten years is a long time if you’re buying a home. Although more homebuyers are taking out mortgages with 30-plus year terms, most still are on 25 year terms. So if you fixed for 10 years, that’s 40% of your homeloan term at a guaranteed rate. Fixed rate mortgages are, I think, often a good idea – pa...

Why YOU could be missing out on tax giveaways

Why YOU could be missing out on tax giveawaysPaying tax is annoying. Paying more tax than you need to is really annoying. Honestly, it’s easy to save tax: it’s usually a question of a quick emailed form. Here are some breaks you might not be claiming – and why you and your family should. 1. Granny’s own tax break . This is not a discount on We...

Home insurance: five minutes research, 30% discount.

Home insurance: five minutes research, 30% discount.Is there anyone out there who automatically renews their household insurance? Surely there can’t be. My home insurance renewal has just come through. Last year it was £99.68 (fortunately the new rules mean insurers have to tell you what your previous premium was). This year they want £134.40. Bear i...

Cheap airport car parking: is it worth it?

Cheap airport car parking: is it worth it?In just over a month’s time, we are off on holiday. It is expensive but worth it: I know the weather here is lovely now but I never feel as if I’m on holiday unless I leave the country. The downside is the seventh circle of hell – also known as Gatwick Airport in August. I hate the place: the queues...

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Have a great summer holiday everyone!

Have a great summer holiday everyone!I'm off on my hols now so I won't be blogging for a bit. Hope you all have a lovely break at home or away. See you back, refreshed and ready for the new term, at the end of August!

Kids can’t even boil a kettle: did we do something wrong?

Kids can’t even boil a kettle: did we do something wrong?This is a poster in the kitchen of student accommodation at the University of Bristol. As you can see, it’s instructions on how to boil a kettle and use a microwave. When I saw this picture, I assumed the poster was there because the students weren’t used to industrial-scale machines in the shared k...

SMM ALERT: is your under-18 properly insured when travelling independently?

SMM ALERT: is your under-18 properly insured when travelling independently?There are plenty of reasons for your child to be travelling without you this summer. Off they trot (with the suitcase you have carefully packed) on the school trip or for a holiday with a friend’s family. Great for them to experience being away from home for a bit. But, travelling without you, are t...

Are you paying too much for your broadband speed?

Are you paying too much for your broadband speed?I’ve been totally mugged off, as they would say on Love Island, by BT. I’ve just found out how much I am overpaying for broadband. Worse, I’m halfway through an 18-month contract with them so that’s a lot of unnecessary cash spent already. I only looked into this because BT sent me some bumpf about ...

Fun things to do that mums enjoy too

Fun things to do that mums enjoy tooHave the holidays arrived already? With the UK nearly as hot as the Med, it feels like all we’ll need is a paddling pool and a few Magnums to keep the kids entertained this summer. Still, as there’s only so much fun you can have with a super-soaker, I’ve compiled a handy list of things to do that im...


HELLO from two journalists in very different circumstances! One of us is better off than the other but that doesn't stop us being good friends with a shared interest in getting the most for our money.

As we’ve both worked for a long time writing about personal finance, we've got a bit of a head start through the maze of banking, saving, mortgages, pensions and investment.

But not everyone is so lucky. We've met a lot of mums over the years who get overwhelmed by money matters, including the brain surgeons and rocket scientists. And no wonder – there’s really too much information out there and even the idiot’s guides are complicated.

We thought we could help by sharing any solutions we find for our own money challenges and passing on any tips and brilliant deals that we discover.

Please read our blogs to see how we cope (not always successfully!) with everyday spending and saving and sign up to our newsletter to get a weekly round-up of everything you need to know from new products to the best bargains. You can also ask a question about money in our forum or leave your own insights and reviews for our community. Hopefully SMM can give you a steer whatever side of the tracks you’re on!

Latest guides

Video - Charlotte and Jane talk about saving for kids

Get the lowdown on tax-perk saving for kids in just five minutes!

Video - Charlotte and Jane talk about pensions

All you need to know about pensions in three minutes!

Remortgaging: how to save on home loans

Get the best deal for the roof over your head

What is an investment trust?

An easy explanation of these exciting investment companies

Affordable opera tickets

How to get a discount Don Giovanni

Your first fund: where to invest?

Spring 2018 suggestions for beginner investors

Buy to let: a guide to being a landlord

Basic steps to making money out of bricks and mortar

Which fund should I add to my portfolio this year?

Spring 2018 suggestions for advanced Isa investors

Sky is not the limit

Ten steps to trouble-free TV

Does loyalty pay?

How you can earn while shopping

Educating the next generation about personal finance

Ten ideas for teaching your kids about money

Pet insurance: the basics

How to cover man’s best friend (and other creatures)

Are premium bonds worth a punt?

All you need to know about these government prizes

Ten easy ways to save money shopping

Painfree purchasing using cashback websites

The Lifetime Isa: the basics

Government help when you save for a property or pension with a Lisa

Car rental abroad

Ten essentials to avoid being ripped off

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2017 SHOMO Awards

2017 SHOMO Awards

Winner of Best Personal Finance Blog and runner up in Best New Blog category. We are proud to be members of UK Money Bloggers.

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