Family finance tips for every budget

Charlotte Beugge is skinted
Jane Wallace is minted
 

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Do I need a will?

Do I need a will?I have singularly failed this year to make one of my resolutions: namely, to update my will. And I feel really stupid about it. My current will was written not long after my husband died nearly 10 years ago. It’s a professionally-written, water-tight will which expresses my desires accurately (most ...

The five savings lessons you MUST learn now

The five savings lessons you MUST learn nowIt’s been a long time but at last there has been some good news for savers. Even though base rate has not changed thanks to increased competition there are now some good deals out there. And now is a good time to get your savings strategy in place in time for 2019: here are five ways to ensure you’r...

Be safe sending cash for Christmas

Be safe sending cash for ChristmasUnless you’ve got a turbo-charged sleigh, enabling you to make last-minute deliveries anywhere in the world, then the easiest Christmas present for friends and relatives overseas is cash. Indeed, it’s probably a good option for anyone you’re not going to see over the Christmas period even if they ar...

How to save money on breakdown cover

How to save money on breakdown coverAlong with the rest of the country at least part of our Christmas holiday will be spent chugging up and down motorways visiting friends and relations. My car is a boring reliable Japanese tank but this time last year it refused to start - embarrassingly enough in the school car park. After that, I b...

What to do with unwanted – or faulty – Christmas presents

What to do with unwanted – or faulty – Christmas presentsChristmas is all about giving. But what happens if the gift you so lovingly bought doesn’t work – or the recipient really doesn’t like it? These are two separate problems governed by different rules. And consumer rights law is jolly complicated. It depends how you bought something – and how long it ...

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Best bank accounts for children 11 and over: our guide to the top payers

Best bank accounts for children 11 and over: our guide to the top payersBank accounts for 11 year olds? Whatever next? Scarily it is possible for your tweenager to have a fully functioning debit card of their own at such a tender age. Some parents will worry that this kind of access to cash means going overboard on in-game purchases. The flip side of the argument is tha...

Money gifts which aren’t just for Christmas: pass on wealth now

Money gifts which aren’t just for Christmas: pass on wealth nowInheritance planning might not be on your mind right now – or at least until you see old Aunt Agatha dozing off over her sherry on Christmas Day. But actually the festive season is a good time to start thinking about passing on wealth, for both gifters and giftees. It’s important because there’s ple...

Mums MUST sign up for child benefit or risk losing thousands in state pension

Mums MUST sign up for child benefit or risk losing thousands in state pensionHave you signed up for child benefit? If you didn’t, you’re not alone. Since the system changed in 2013, many parents have decided not to. This is partly because they might not be eligible (child benefit used to be universal, sadly no longer) and partly because the paperwork is offputting. But, by d...

How to sell unwanted gift cards and vouchers

How to sell unwanted gift cards and vouchersGift cards are pretty much all I want for Christmas. In fact, cold hard cash would be nice but I certainly won’t saying no to an M&S voucher if Santa drops one into my stocking. The mini-Minteds are keen for them too: not M&S of course. Game and Urban Outfitters have been strongly tipped as ...

Free stuff, samples and where to find them online

Free stuff, samples and where to find them onlineFreebies – who doesn’t love them? I’m partial to a giveaway and will regularly cross town for a complimentary glass of wine. I wouldn’t say no to a two-for-one or BOGOF deal and am very happy to accept a free sample, especially of the Aperol variety. As my experience of such generosity is limited to...

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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

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