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?The failure this weekend of airline Flybmi has thrown the plans of many travellers into disarray. The travel industry in general is having a hard time what with Brexit seemingly putting many of us off the idea of heading off to European sun spots this year. It seems unlikely that Flybmi will be the ...

Are the new banks any good for savings accounts?

Are the new banks any good for savings accounts?Here’s some good news. Inflation fell last month to 1.8%, which is its lowest level for two years. While that’s obviously good news when you go shopping you may not realise that it also has an effect on your savings. If inflation is at 1.8%, then you need to earn at least that in interest otherwise ...

Should I fix my mortgage?

Should I fix my mortgage?Thanks to Brexit, these are uncertain times. If you’ve got a mortgage then uncertainty is the last thing you want. After all, if your monthly repayments skyrocket you might not be able to afford your mortgage and could lose your home. So why not fix your mortgage? At the moment there are more fixed ...

Price cap is going up – so fix your energy bills NOW

Price cap is going up – so fix your energy bills NOWWarning: unless you get your act together and fix your home gas and electricity bills soon, you’ll be paying more come April. It was announced this week that the government’s energy price cap is going up by more than 10% from 1 April. That means if you are on a variable rate tariff, your bills will ...

Are Premium Bonds worth it?

Are Premium Bonds worth it?From this month, you can invest in Premium Bonds for just £25. And in another rule relaxation, you can now buy Premium Bonds for any under 16 year old – not just a child or grandchild – and you can also set up a regular monthly savings plan. But should you bother with Premium Bonds? Here are our tho...

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How you can help teenagers remember their bank passwords

How you can help teenagers remember their bank passwordsAnother half-term, another banking crisis. This time Darling Son has managed to screw up his login details for his mobile Lloyds app. Don’t ask me how, something to do with the fingerprint opening of the smart phone.  The solution apparently is to delete the app and start again. But guess what,...

Five last-minute half-term fun ideas

Five last-minute half-term fun ideasWe’re only at the start of half-term and the mini-Minteds are already driving each other crazy. As usual, it’s up to Mother to find entertainment. I’ve been too busy to book anything in advance so I’ve been having a look around to see what’s on now. I suspect all the big London museums and attractio...

Should you ditch the Woodford Equity Income investment fund?

Should you ditch the Woodford Equity Income investment fund?Is it time to sell my investment in the Woodford Equity Income fund? Breaking up is hard to do – especially on Valentine’s Day. I’ve had a particularly long relationship with the manager of this fund, Neil Woodford. Back in the early years of his career at Invesco Perpetual, our partnership was bene...

Cheapest and quickest way to renew your passport

Cheapest and quickest way to renew your passportIf your passport needs renewing this year, it might be best to sort it sooner rather than later because of – you guessed it – Brexit. If we leave without a deal, the UK could end up as a so-called third country within the EU’s free-roaming Schengen zone. This could mean you’ll need six months left t...

Where can you get a 40% return on your money, guaranteed?

Where can you get a 40% return on your money, guaranteed?It’s investment time! Traditionally the period before the end of the tax year at the beginning of April is the season for everyone to top up their annual tax-free allowances. But with the stock market in the doldrums (guess why, begins with B) the prospect of shares isn’t very enticing. Wouldn’t it ...

Welcome

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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