Free dash cam, best pizza deals, Superdrug £10 a month SIM-only, £60 Amazon voucher at Carphone Warehouse, collect airmiles with Virgin saving.
Family finance tips whatever your budget
2 July 2018 www.skintedmintedmum.co.uk
THINGS TO DO THIS WEEK:
Review your broadband deal. BT is raising its standard packages by £2.50 a month from 16 September. Landline only rental will go up from £18.99 to £19.99. Calls and extra channels for BT TV will also be hiked. See our guide to finding the best TV deals here.
Look for a child trust fund. Six million children born between 1 September 2001 and 2 January 2011 got a government handout but up to one million of these accounts has been lost, research from The Share Centre suggests. It could be worth £1,000 by now so find your missing account at Shares4Schools here.
Consider remortgaging. The typical five year fixed rate loan is just 2.2% but rates could start rising as soon as August. See our SMM guide to remortgaging here.
Virgin Money Flying Club account. This one-year fixed rate account pays airmiles instead of interest. You earn 1,400 Flying club miles for every £1,000 saved. You need to save £15,000 to earn a return trip to New York. WE LIKE: You can top up the airmiles with cash to get the flight. WE DON’T LIKE: The account pays the equivalent of 1.19% in interest which is converted to airmiles at the end of the year. You can earn more elsewhere such as Atom Bank on 2.05%.
DEALS OF THE WEEK:
Catch up on football-friendly pizza deals. Skinted: £5 for two pizzas and four beers at the Co-op. Minted: two pizzas and two sides for £10 at M&S, in store only. Ends tomorrow.
Stock up on fizz and beer before the CO2 runs out. Find out the cheapest champagne and prosecco at Money Saving Expert and cruise the supermarket aisles for beer - there are quite a few deals currently.
There’s a £60 free Amazon voucher with 24-month contracts on iPhone 8, iPhone 8 Plus and iPhone X at Carphone Warehouse via VoucherCodes here. Remember if you can afford to buy the phone outright and get a SIM-only deal, it will work out cheaper.
WORTH A LOOK:
Superdrug has teamed up with Three to offer a £10 a month SIM-only phone contract which gives shoppers double points on purchases (2p for every £1). You need to sign up to the Superdrug Health & Beautycard to qualify. There’s 4GB of data so could be good deal for those who spend a lot of time on their phone and cosmetics (Dear Daughter, maybe?).
Record your drive with a free dash cam from Aviva. You can download it as an app even if you’re not a customer of the insurer. You would need a phone cradle though to position it on your dashboard, cheap enough via Amazon. See here for more details.
HURRY, HURRY: There’s a £50 Amazon voucher up for grabs for bookings over £500 with Virgin Atlantic also via VoucherCodes. Ends today.
SKINTED BLOGS OF THE WEEK:
Charlotte outlines why (and how) we need to teach kids about personal finance here.
Lessons for parents this time. Charlotte chalks up the basics of student loans here.
MINTED BLOGS OF THE WEEK:
Jane offers some alternative ideas for end-of-year teacher gifts here.
Need to survive a self-catering holiday? Here Jane reveals ten hacks and saves.
WHAT HAPPENED LAST WEEK (TO 1 July 2018):
First, some good news: new EU rules mean that if you book hotels and flights separately, you will get the same protection as those on package holidays. Then there’s the news from the National Employment Savings Trust (NEST) that women save more into their pensions as a proportion of their earnings than men. Although they still have smaller pensions than men, at least women are doing something to bridge this gap.
And while it’s not good news, the admission by the FCA’s boss Andrew Bailey that ‘there is no such thing as free banking’ is welcome. Apparently, half the profits banks make from current accounts come from just 10% of customers - those who use overdrafts and take out loans and credit cards. Don’t add to their profits: if you need to borrow money, make sure you do it as cheaply as possible.
HAVE YOUR SAY ...
Got a question you want to ask about money? Or do you want to pass on any great deals to other readers? Share your thoughts with others at our forum by clicking here. Our First Lady of Commonsense, Aunt Pecunia, is eagerly waiting for your money queries at:
No need to invest in luxury garden facilities. Buy a cheap paddling pool. Sit in it and splash around a lot. The next-door neighbours will think you've bought a new hot tub.
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