Eurostar £25 to Paris, 20% off gift cards, free Grand Designs tickets, bargain bulbs, cheapie chocs.
Family finance tips whatever your budget
17 September 2018 www.skintedmintedmum.co.uk
THINGS TO DO THIS WEEK:
Do your paper tax return. The deadline for the paper version is the end of October. See our SMM guide to paying tax here.
Think about remortgaging. There wasn’t a change in the Bank of England base rate this month but the trend is upwards and the cost of your home loan might rise. It could be time to shop around for a better deal.
Consider switching bank accounts. HSBC has upped the ante on tempting new customers with a £200 reward if they switch into its Advance Account. It’s £150 upfront and £50 if you stay for a year.
Hargreaves Lansdown Active Savings. This online hub allows you to move cash between savings accounts from seven different banks. WE LIKE: Once you’ve opened the account with the hub, you can move cash with a click to get the best rates: there’s hardly any admin. WE DON’T LIKE: Better rates may be available elsewhere, you’ll still need to check.
DEALS OF THE WEEK:
Help with half-term holidays. Four can go to Paris or Brussels (one way) on Eurostar for £25 each here. Sale ends 24 September 2018 for travel between 3 October and 12 December 2018.
Watch out for cast iron cookware at Aldi which bears a striking resemblance to L* Cr***t but is far cheaper at £24.99 for both the shallow and full height casserole dishes. By last night it was sold out online so check your local store from 20 September.
Tesco Gift Cards has 20% off selected gift cards including Cineworld (£20), Pizza Express (£20), Gap (£25), Now Music (£25, in-store only) and Uber (£15, in-store only). The offer runs until midnight on Sunday 23 September 2018. Delivery charges apply for gift cards bought online, there is no charge for digital gift cards bought online. See www.giftcards.tesco.com.
WORTH A LOOK:
Get Halloween ready. Two tubs of Celebrations/Quality Street/Roses or Heroes are £7 at Tesco or £8 for two at Morrisons.
Time to plant bulbs for spring flowering. There are lots of offers such as from Bakker here. If you haven’t got a huge garden or can’t be bothered to plant loads, share an order with a friend or friends.
Free Grand Designs Live tickets via MoneySavingExpert. The show runs from Wednesday 10 October to Sunday 14 October at the NEC, Birmingham. Two adults tickets per person only (kids go free). Apply by Friday 28 September.
SKINTED BLOG OF THE WEEK:
Charlotte explains here why it's crucial for women to consider pensions in a divorce.
How much could you save by remortgaging? Charlotte finds out here.
MINTED BLOGS OF THE WEEK:
Jane reveals whether Specsavers or VisionDirect is cheaper for contact lenses here.
Cut your spending on mobile phone bills with Jane's six top tips here.
WHAT HAPPENED LAST WEEK (TO 16 September 2018):
Rotten news for those House of Fraser customers waiting for money back from undelivered purchases: Sports Direct says it won’t give refunds so they have to join a list of creditors. Cash machines are becoming rare: more than 250 are disappearing every month, says network provider Link. So it’s a good idea to check in your drawers/ money boxes - the Bank of England says there are £1.8 billion of old bank notes which have yet to be returned.
Finally, good news for the skinted. Low wage earners will get 50 pence for every £1 they save in a new government scheme called Help to Save. The account allows up to £50 a month to be saved for up to four years. You must be working and receiving tax credits or on Universal Credit and earning £6,514 to qualify.
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:
Harvest festival assembly at school? Kids refusing to take elderly own-brand dented tins? Buy cheap jam from Lidls/Aldi. Re-pot in sterilised Kilner jar, adding teaspoon of brandy/other spirit. Attached fabric ‘hat’ made from offcut with elastic band. Relabel as plum and cognac preserve etc…
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