Family finance tips for every budget

Charlotte Beugge is skinted
Jane Wallace is minted

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How safe is your holiday?

How safe is your holiday?Even though it’s less than two months until the long summer holiday, I’ve still not sorted out where we are going. While a UK holiday appeals, the unreliable weather puts me off as does the expense: unless you are going away mob-handed, the cost of hiring a cottage in the West Country can be prohibi...

How NOT to lose money on your savings

How NOT to lose money on your savingsDo you know how much interest you’re getting on your savings? Given that interest rates have been so low for so long, you’d be forgiven for not knowing. After all, why bother finding out when the answer is only going to be depressing? With inflation at a shade under 2% and not a single easy-access a...

What every self-employed person needs to know about money

What every self-employed person needs to know about moneyI have been self-employed for nine years. And I’m part of a growing club: the number of self-employed Britons is now at its highest ever level with 4.93 million of us working for ourselves. There are many reasons why being self-employed is brilliant. You can usually fit your working day around your ...

How to add ££££s to the value of your home

How to add ££££s to the value of your homeWhat have you got in your garage? Mine is home to lots of spider webs, half used cans of paint, old bicycles and scooters and lots of plant pots. The only things in regular use in the garage are the spare freezer and the lawnmower. Much of the rest of it could go to the tip. The car certainly has ne...

Pension freedom: should I take the cash?

Pension freedom: should I take the cash?It was my 55th birthday last week. It’s hardly a landmark age unlike 21 or even 40. But actually, reaching 55 is significant: it’s the age when you can take your pension and run off and spend the cash on a fast car. Or use the cash for more sensible things such as day-to-day living. Since 2015-16 an...

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Does your child need a pension?

Does your child need a pension?Of all the things kids need – food, Calpol, Nike trainers, X-box – a pension comes very low on the list. Indeed, it seems strange that such a thing actually exists. But could it be the best money matter you ever sort for your child? It’s easy enough to do. Non-taxpayers (which includes kids and non-...

Is it worth investing in an all-year Alpine property?

Is it worth investing in an all-year Alpine property?Most people consider the Alps as a skiing destination but this is beginning to change. Many Alpine areas have figured out that they can complement the ski season with an array of sports, leisure and cultural activities throughout the year to attract summer visitors as well. Anyone thinking of a...

How to drive down the cost of car insurance

How to drive down the cost of car insuranceIt’s May so it must be time to renew my car insurance! The Minted mobile, my trusty Ford S-Max, is nearing its ten-year birthday. As it’s still going strong, I reckon I shouldn’t be punished for its advanced years, so I set out to find the cheapest policy available. Last year I couldn’t fi...

Get free flights and upgrades: air miles explained

Get free flights and upgrades: air miles explainedFor many years I turned up my nose at the idea of collecting air miles. What a con, I thought. How many decades would it take to earn a flight, even from London to Paris? It was simply a way of getting my contact details and targeting me with advertising forever. My opinion was changed a few years a...

Don’t splash out: how to save on water bills

Don’t splash out: how to save on water billsWhat strange weather we’re having! It’s the beginning of May and we’ve still got the central heating on. Yet we’ve had so little rain that the garden is going bald and any passing sprinkle runs off without soaking in. While this hopefully signals a long, hot summer, I’m worried about my water bill. ...


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

Avoid overpaying for your mobile phone

 Ten ways to ring up savings

Bereavement: what benefits would you get?

 Government support and what YOU can do to protect your family

How to find and transfer a child trust fund (CTF)

Switch your CTF into a Junior Isa in 10 easy steps

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

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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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