Best back-to-school bargains, detox beauty box steal, discount cinema tickets, how to insure phones for kids.
Family finance tips whatever your budget
3 September 2018 www.skintedmintedmum.co.uk
THINGS TO DO THIS WEEK:
Revisit PPI claims. You can claim compensation for mis-sold payment protection insurance (PPI) on behalf of relatives who have died, consumer group Which? announced last week. The deadline for all PPI claims is 29 August next year.
Switch broadband provider. You’re likely to see a 63% increase in price when your contract ends, says comparison website uSwitch. See Jane’s blog on avoiding overpaying for broadband (and figuring out what speed you’re actually getting).
Check your credit file is updated if you bank with TSB. Money Saving Expert has warned that April’s IT problems at the bank could mean they’ve not been updated. Your credit reference file is important if you’re trying to borrow money so you want it to be accurate.
Yorkshire Building Society two year fixed rate mortgage at 2.87%. WE LIKE: 95% loan-to-value mortgage for first and second-time buyers. Valuation is free, the fee is £495 and you can overpay up to 10%. Moneyfacts says it's a top deal for first-timers. WE DON’T LIKE: Two years seems short especially for cash-strapped first-time buyers.
DEALS OF THE WEEK:
Buy one get one half price on school uniform at Debenhams if you’ve really left it to the last minute. The cheapest deal we’ve seen for a whole set of skirt/trousers, polo shirts and sweatshirt is Aldi here for just £5. Go to the supermarkets if you want to spend about a tenner on a similar package or John Lewis and Marks & Spencer if you want to lash out around £20.
JD Sports has 50% off kids trainershere while Sports Direct has offers here on sports and smart shoes including 70% off Rockport.
Waitrose cheapies: a third off lots of store cupboard/laundry stuff. Oh, and 25% off six or more bottles of wine or champagne costing £5 or more which shouldn’t be a problem at Waitrose.
WORTH A LOOK:
Start Christmas shopping for friend or teenage daughter with Detox & Calm Beauty Box (now £19.95, worth £62) from allbeauty here.
Up to 75% off trendy jeans brand 7 for all mankindhere
Mamma mia! Get three Odeon cinema tickets for £16.50 or five for £25 via Groupon here. Valid until 11 October but terms and conditions apply so check your preferred flick is eligible before buying.
SKINTED BLOG OF THE WEEK:
Charlotte has problems finding a better deal than her current car insurer can offer here.
Unmarried partners may now receive the bereavement benefits formerly reserved for the married, Charlotte reports here.
MINTED BLOGS OF THE WEEK:
Most insurers don't cover under-18s for mobile phones. Jane reveals her solutions to the problem here.
How do you banish the holiday blues? Jane lists her favourite (and free) post-vacation pick-me-ups here.
WHAT HAPPENED LAST WEEK (TO 2 September 2018):
So farewell then, Wonga: we won’t miss you. The payday loans company called in the administrators but don’t assume if you’ve got a Wonga loan you can stop repayments. And if you’re looking for compensation for mis-selling, then you’re going to have to wait until other Wonga debts are settled.
In other news, the number of savers opening cash Isas has fallen to the lowest level in nearly 20 years. As base rate went up from 0.5% to 0.75% a month ago, it’s annoying that while most variable mortgages rates have gone up, none of the big high street banks or societies have passed on the full 0.25% to savers, says The Sunday Times. Of course, this helps to explain why cash Isas aren’t popular.
Finally, your child may be coming into money. The first Child Trust Funds, given to newborn babies between 2002 and 2011, are starting to mature. Children can manage the money from age 16 although they can’t withdraw it until age 18. Watch out for Jane’s upcoming blog on the subject this week!
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:
Want to refill Junior’s school backpack? Check out the free biros at your local bookmakers and grab a few of those (admittedly short) pencils at Ikea. Note there’s always free fruit to be had at Tesco for kids.
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