School uniform discounts, get £900 tax break, half-price fizzy, two-for-one restaurant deals, free opera, Amazon Prime day.
Family finance tips whatever your budget
9 July 2018 www.skintedmintedmum.co.uk
THINGS TO DO THIS WEEK:
Get ready for back to school. Make use of early bird deals on uniform (mainly supermarkets) and stationery for next term. Alternatively approach the parents of school leavers and negotiate hard for the PE and other kit which they no longer need.
Claim your marriage allowance tax break. Over a million people who are hitched still haven’t claimed the £238 a year tax perk. You can backdate it as well (to April 2015) which could mean £900 in total. Your or your spouse must be a basic-rate payer and the other partner a non-tax payer for this to work, however.
Review your current account. Lloyds has cut the interest it pays on its Club Lloyds current account from 2% to 1.5%. Considering you must deposit at least £1,500 a month or pay a £3 monthly fee to get this rate, and then only on the first £5,000, you might want to look elsewhere. See the SMM guide to switching here.
Charter Saving Bank three year fixed rate bond. Charter is a newish UK bank, founded in 2008. Your money is protected up to £85,000 by the Financial Services Compensation Scheme. WE LIKE: The rate is 2.33% on a minimum £1,000 invested which, says Moneyfacts, is one of the best rates on the market. WE DON’T LIKE: Fixing for three years might be too long if you think interest rates will rise as you can’t get at your money before the end of the term.
DEALS OF THE WEEK:
George at Asda has a cheap-as-chips school uniform range out for kids aged three 18. A pair of girls short-sleeve white shirts are only £3 here.
HURRY, HURRY:Tesco has deals on wine and fizzy then a further 25% off if you buy six or more on selected items here. Jane scored six bottles of Lansons for £18 each (normally £32). Yay! Christmas in Minted HQ is sorted. In store and online but ends today!
Compare The Market (or Compare The Meerkat) customers for selected insurance products will be able to get two-for-one restaurant meals from 16 July as well as the existing two-for-one deal on cinema tickets. The meal deal applies to restaurants including Prezzo and Pizza Hut from Sundays to Thursdays. Keep an eye out here. You can get the cinema deal by using the site to buy financial stuff, mobile contracts or switch energy suppliers. SNEAKY TRICK: Some insurances are only a couple of quid to buy but this will still entitle you to the cinema deals.
WORTH A LOOK:
The Next sale is on. If you can bear the crush, there’s 50% off. If not, it’s online too.
Fancy a free opera? You can watch the Mozart classic Don Giovanni at an open air screen on Thursday 12 July from 6.30pm. Locations in London, Brighton, Bristol, Aberdeen and many others nationwide. Look here for your closest venue and see our guide to getting discount opera tickets here.
It’s Amazon Prime Day! Mark your diaries for next Monday 16 July when there should be discounts on lots of Amazon products and more. But you need to be a Prime customer (or on the trial period) so sign up before 16 July and remember to cancel the membership if you don’t want it afterwards.
SKINTED BLOGS OF THE WEEK:
Find out how Charlotte got 30% off her household insurance here.
Charlotte investigates here whether parking at the airport is worth the cost.
MINTED BLOGS OF THE WEEK:
Jane examines the excuses women make for not investing here.
Junior on a school trip or holidaying with friends? Jane reveals the best options here for kids travelling solo.
WHAT HAPPENED LAST WEEK (TO 8 July 2018):
Apart from the little matter of a football match (how does Gareth Southgate stay so cool buttoned up in a waistcoat?) the headline news was that EDF has put its home energy prices up again, adding about £70 to the typical annual dual fuel bill. Others are bound to follow.
Meanwhile, young women in their twenties and thirties will retire with pension pots 11% smaller than those of men the same age - thanks to motherhood and caring commitments. We can expect more annoying cold calls as there could be more to claim on PPI after one couple - who weren’t mis-sold the cover - got back all the sales commission of more than £17,000.
Finally, if you’re out in the garden and see a suspicious-looking plant, don’t panic. We've all been wrong about Japanese knotweed apparently: it can’t destroy concrete/foundations/the world after all.
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:
Freeze grapes and raspberries. Use them (still frozen) to cool your tipple of choice. An easy way towards five a day. Just don't let the kids eat them.
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