Bargain Easyjet for next summer, Asda toy sale, top-paying kids' saving account, discount Hobbs.
Family finance tips whatever your budget
24 September 2018 www.skintedmintedmum.co.uk
THINGS TO DO THIS WEEK:
Check your mobile phone contract. Citizens Advice says four million people are being charged for mobile phones they already own as phone firms continue to take payments even when the handset has been paid off. See Jane’s blog on saving on phones here.
Find out if you’re entitled to free prescriptions. There’s a quick questionnaire here or call 0191 232 5371 to see if you’re eligible.
Review savings accounts. Only 1% of savings accounts pay an interest rate which is higher than the rate of inflation (2.7% in August), Moneyfacts found this week. So if you’re in one of the other 99%, your savings are actually losing money in real terms. See Jane’s blog here on alternatives.
If you’re thinking about investing in the new Smithson fund from star manager Terry Smith, read Jane’s blog on Tuesday to decide if it’s for you.
Nationwide Future Saver. Kid’s account paying 3.5% on up to £5,000 saved a year. WE LIKE: The rate. Also the parent controls the account so you can get at the cash (unlike the Junior Isa which Nationwide has closed to new business). WE DON’T LIKE: The rate is 2.5% without the parent having a Nationwide current account or 0.5% for more than one withdrawal a year.
DEALS OF THE WEEK:
Start planning next summer because Easyjet has released tickets for travel from 25 March to 23 June 2019. Even better, it will release tickets for 24 June to 1 September 2019 on Thursday, says MoneySavingExpert. Get those diaries out and get booking because you can usually save £100s by reserving ahead. Set the alarm too because the price moves with demand so the earlier in the morning on launch day you can do it, the better.
Shop now for Christmas with a big toy sale at Asda. Decent savings on all the favourites including playmobil, Barbie, Lolita Pops and Thomas the Tank Engine here.
Hobbs discounts three ways: (i) summer staples and more at the outlet website; (ii) on the official website with 20% off using the code AUTUMN20; and (iii) up to 70% off including some on-trend animal print heels via Brand Alley.
WORTH A LOOK:
There’s still a few days to get your 30-day Kids Pass* for just £1. Normally it’s £39.99 a year. The Pass gives you 40% off cinema tickets and zillions of discounts on family food and fun. (SMM recommends ab-fab rom-com Crazy Rich Asians as a film idea!) For a limited time, members can get 50% off Cineworld tickets. You can book for six months in advance but the reservations must be done by 27 September.
Get 15% off a 16-25 Railcard with a code from MyVoucherCodes here. The card gives your teenager/student one-third off rail fares which is handy when they stop qualifying for child fares.
Marks & Spencer has up to 50% off here while Next has guaranteed half-price kit here. Stores are clearing out ready for Christmas stock so time to buy next summer’s gear?
SKINTED BLOGS OF THE WEEK:
It's less than 100 days till Christmas! Here Charlotte outlines some advance money-saving tips.
With Nationwide pulling its cash Junior Isa, Charlotte ponders the best approach to kids' savings here.
MINTED BLOGS OF THE WEEK:
Could you afford to send your kids to private school? Jane finds out here.
Jane reviews a new service here which aims to make chasing the best savings rates easier.
WHAT HAPPENED LAST WEEK (TO 23 September 2018):
There was a big communications failure last week as glitches hit online services at Barclays and RBS/Natwest, both of which are now resolved. Adding to the misery was the discovery that around four million customers overpay on mobile phones - shelling out for handsets even though the cost of the device has been covered, says Citizens Advice. Just to compound the problems, BT customers are being hit by price rises for landline, broadband and BT Sport packages.
And the good news? Um... the Nationwide new kids’ account looks attractive. But that’s about it, unless you’re a discount supermarket aficionado in which case the arrival of Tesco’s new Jack stores will be exciting. Can it match up to SMM faves the Aldi pizza and Lidl’s smoked salmon? We’ll wait until one opens nearby before passing judgment.
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:
Missing student offspring who have left for college? Recreate an authentic teenage room whiff with bargain-basement body spray. Add top notes by leaving half-eaten kebabs and pizza around.
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