Family finance tips for every budget

Charlotte Beugge is skinted
Jane Wallace is minted

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Is it goodbye to cash machines?

Is it goodbye to cash machines?Our last bank closed in the spring. This week, the last remaining external cash machine was shut down. I live in a smallish town that’s a big tourist spot. Now on a Sunday there is nowhere for anyone to get cash in the high street. There are internal cash machines in the Nationwide branch and in a s...

Have I got my head in the clouds over clutter?

Have I got my head in the clouds over clutter?I hate clutter. I’m a regular at the local tip and periodically donate piles of paperbacks/toys and clothes to charity. The downside is, of course, that I later wish I still had something I’ve given away and end up buying it again: this happens fairly regularly with books. I also chuck paperwork. An...

Are YOU sitting on a mortgage time bomb?

Are YOU sitting on a mortgage time bomb?If you’ve got a mortgage and you always make your monthly repayments, then you probably think that when your home loan matures, you own your house and have nothing else to pay. And yes, for most of us – those who have repayment mortgages - that’s the way it works. But if you’re one of the estimated ...

Old boiler? I hope it’s on the mend…

Old boiler? I hope it’s on the mend…My boiler is being temperamental at the moment. It comes on, but then after a couple of hours switches itself off. I’ve tried putting the thermostat up to tropical levels to get it to work but no joy. While it is getting colder, at least we’re not knocking ice off the inside of windows at the moment...

Is Marcus savings account a damp squi(d)b?

Is Marcus savings account a damp squi(d)b?Savers have had it hard for the past ten years. With inflation higher than the rates on most savings accounts you are losing money. So why bother? The answer is that most of us only feel comfortable with cash sitting in a savings account. I have (dwindling) cash savings and thank goodness for that, ...

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Ghostly goings-on for half-term and Halloween

Ghostly goings-on for half-term and HalloweenHalf-term this year for most of us won’t stretch over Halloween which is a shame. All the fun will be on a school night for Team Minted which somewhat cramps our style. Never mind, there’s half term beforehand to make the most of the phantasmagoric fun with the kids. Most of which costs, of course. ...

Five best apps to limit kids’ screen time

Five best apps to limit kids’ screen timeMost of the arguments in our house centre on how much time the mini Minteds spend on their phones. There’s nothing more depressing than seeing a teenager disengaged from family life (or any kind of life) sitting in a darkened room, plugged into Snapchat. But there are ways to fight back. There are l...

I love animals but vegan food is too expensive

I love animals but vegan food is too expensiveThe Minted family has just completed what we called ‘Vegan Week’: a whole seven days of eating only plant-based meals. That meant no butter, no milk, no eggs or cheese as well as the obvious avoidance of meat and fish. Even certain types of chocolate were off the menu. Two of us completed the week 1...

Good Money Week: could your investments make a difference?

Good Money Week: could your investments make a difference?Big business can’t seem to shake its reputation for ruthlessness or even downright evil. Whenever I think about the City or the stock market, an image of Michael Douglas as Gordon Gekko still pops into my head (‘if you need a friend, get a dog!’). The reality is somewhat different. There are many fi...

My tips to get the best mobile phone contracts for kids

My tips to get the best mobile phone contracts for kidsMuch as I resent the amount of time the mini-Minteds spend plugged into their phones, I’m also paying for it so I need to find the most cost-effective contract. Both of them have fully paid-up handsets which have a good few years of usage in them. That puts me firmly in the SIM-only market. We’ve be...


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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