Family finance tips for every budget

Charlotte Beugge is skinted
Jane Wallace is minted

s logo

Black Friday: a bit of a grey area?

Black Friday: a bit of a grey area?Only six weeks left until Christmas. As yet, I have bought junior two tiny stocking fillers and not a single present for anyone else. He is my major concern – and expense. While he would like endless iTunes or Xbox vouchers, I feel the need to get him something he can actually unwrap. Currently, I’m...

Would you warrant it?

Would you warrant it?October was a bad month for appliances in our house. The dishwasher conked out – it was just 14 months old. Then the boiler died – just when the weather changed. When the boy’s Xbox started playing up I suspected poltergeists, but fortunately it fixed itself. The dishwasher was still under the two y...

Would YOU share your finances with your partner?

Would YOU share your finances with your partner?Possibly the most controversial wedding vow (after obey, which surely no bride says any longer) is the bit where you promise to stick together ‘for richer or poorer’. There’s little more likely to widen the faults in a marriage than flaky finance, after all. Being married, or being in a committed re...

Should YOU buy Premium Bonds for children?

Should YOU buy Premium Bonds for children?You’d be forgiven for thinking nothing of any interest happened in the Budget this week and to an extent you’d be right. But hidden away in the details there was something: from March next year, anyone will be able to buy Premium Bonds for children. Currently, only parents and grandparents can buy t...

Freezing point: why I’m getting a new boiler

Freezing point:  why I’m getting a new boilerTalk about bad timing. Sunday was freezing cold here – it’s still pretty nippy now. So, of course, our boiler has given up the ghost. We have our gas fire on the whole time and there’s also an electric heater – but that’s really expensive to run. And the immersion heater is inefficient – we went for...

m lower case logo

Is NOT giving Christmas presents an option?

Is NOT giving Christmas presents an option?It’s only six weeks until Christmas! Time to start the shopping – or is it? This year I’m trying to curb the usual Minted household excesses. As presents are my biggest spend, I’m racking my brain for cost-cutting ideas and considering some radical strategies. The most obvious way to save is not to ...

Should you put all your pensions in one pot?

Should you put all your pensions in one pot?If you’re anything like me, you’ve probably had lots of different jobs in your career. As a journalist, I moved publications every three or four years, leaving a trail of little pension pots behind me. Keeping tabs on them all was a headache so, about 15 years ago, I lumped them all into the work-pl...

Why not reverse your advent calendar and give to your local food bank this Christmas?

Why not reverse your advent calendar and give to your local food bank this Christmas?Gin, soap, wine or even plain old chocolate: everyone loves the countdown to Christmas with an advent calendar. But what about creating a reverse advent calendar where you give rather than get an item every day? We’re joining up again with the #FoodBankAdvent campaign this festive season to give don...

The cost of laundry is hanging me out to dry

The cost of laundry is hanging me out to dryWhere does all the washing come from? I don’t understand how Team Minted, an average family of four, can generate so much laundry. Here’s the pictorial proof. That mountain on my kitchen floor is not even a week: it’s last week’s Friday, Saturday and Sunday, piled up after Mrs Tiggy-Winkle here dare...

What does the Budget mean for Skinted and Minted Mums?

What does the Budget mean for Skinted and Minted Mums?The end to austerity was announced yesterday by the Chancellor of the Exchequer, Philip Hammond, as he set out the spending plan for the UK for the year ahead. That means more money for schools, health, social care and even fixing potholes. But how will it affect those of us running somewhat sm...


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

SMM newsletter

SMM newsletter

We read the finance pages so you don’t have to! Click here to get our weekly round-up of news and tips.
SMM forums

SMM forums

Got a money worry or a cash crisis? Get your answer by asking a question in our forum. Or leave a top tip or review for other SMMs.
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.

As seen in:

BBC One New Logo 2016 V2 Black
Daily Mirror
Family Grapevine
2000px Daily Telegraph.svg
The Mail On Sunday
The Sun