Family finance tips for every budget

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Happy Easter

Happy EasterWe're taking a week's break for Easter. Need the extra time to get our fill of eggs...

What happens if you’ve ordered something from Debenhams?

What happens if you’ve ordered something from Debenhams?The least surprising story this week was Debenhams. Seemingly in trouble for years, it’s now in the hands of its lenders. Although stores are still open, there will inevitably be closures: just what the high streets of the UK need. Our local Debenhams could be one for the chop. I must admit I only e...

How to get the best deal on your holiday spending

How to get the best deal on your holiday spendingIf you’re going away for Easter, then I’m sure you’ve got a great deal on your flight, car hire and accommodation. And no doubt you’ve sorted out your travel insurance. But what about your spending money? While in the UK, most of us probably rely on our debit cards for day to day spending. But accor...

Should you delay your state pension?

Should you delay your state pension?Usually, the proverb a bird in the hand is worth two in the bush is good advice particularly regarding money. So, for example, a lump sum of cash now than the promise of a bigger one later is often preferable – after all, who can predict the future? But this isn’t always the case. Take the state pen...

Why you need to ditch your debt now

Why you need to ditch your debt nowFor the past 10 years we have had low borrowing rates. And isn’t it great that you can get a mortgage with an interest rate of less than 2% and a personal loan for not much more than that? Or maybe it isn’t good news. Even if it is cheap to repay, debt is a burden. Borrow money and you have to pay i...

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Happy Easter everybody!

Happy Easter everybody!I'm taking a week's break for Easter. Hope you all enjoy the holidays and that the Easter Bunny brings you lots of treats! My next blog will be Tuesday 30 April. See you then!

How safe is your cash Isa?

How safe is your cash Isa?How secure are my savings inside a cash Isa? Most people assume their nest-egg is safe as houses because cash is risk-free. For those Isas which are invested in cash, this is true. But what if, in fact, your cash Isa is invested in something else altogether? There is a certain sort of Isa on the mar...

Second-hand or fake for designer brands: which is best?

Second-hand or fake for designer brands: which is best?Just back from a weekend in London where I was thrilled to pick up a pair of Tory Burch Minnie Ballet Flats for £70. That’s just less than a third of their normal price of £215. I have coveted a pair of these shoes for several years now but, strangely enough, could never seem to find the money to pa...

Win a year’s worth of discounts on cinema, restaurants and family days out

Win a year’s worth of discounts on cinema, restaurants and family days outTo celebrate the Easter school holidays, we’ve teamed up with Kids Pass, the UK’s No.1 family discounts app for your chance to win a FREE Kids Pass annual membership. The Kids Pass app gives you instant access to thousands of offers, including up to 40% off cinemas nationwide (seven days a week, adu...

How to save on your broadband costs

How to save on your broadband costsLast year I wrote about the terrible broadband service  I was getting from BT. In a nutshell, I was paying £42.99 a month, including line rental, for a speed of 50 MBS when I was actually getting 25 MBS. Since then, BT have made some improvements to the cabinet at the top of Minted Avenue. When...

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A nasty surprise in the post

I want to say ‘this morning’ but our mail doesn’t arrive until lunchtime these days. It would’ve been bad news at any time of day – I’ve been done for speeding.

Shame-faced, I told Him Indoors. He collapsed in hysterical laughter. Because I am, as friends and family know well, a snail behind the wheel.

For me, 50 mph is the optimum pace. Why drive any faster? It’s dangerous, dontcha know!

If you were in any doubt, here’s my car. I can’t see Lewis Hamilton burning up the highway in one of these any time soon.

Nevertheless, I was snapped by one of those crafty cameras coming off the motorway. Bowling along at 37 mph in a 30 mph zone.

I know exactly where too.

And I also suspect I was distracted by Dear Daughter in the front seat who was grizzling about the lack of interesting purchases we’d made in Ikea.

I can either put my hands up or contest the fine at the local magistrates.

If I accept the charge, the penalty depends on the severity of my offence. It will be either three points on my licence and a £95 fine or a speed awareness course (costing £95 which I must pay for).

This last option is points-free. I could defend myself – perhaps the road signs weren’t clear or the driver was in fact my ninety-year old grandma. But, if I lose, the punishments pile up.

After some soul-searching, I have sent back the form admitting my guilt. I await the verdict.

I hope it’s not points.

And, either way, will I have to tell my insurer?

[Click here to see 10 things you must tell your insurer or guide to car insurance]

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