Discount gift cards, double Nectar points, free Spotify, bargain Orla Kiely, forgotten accounts and pensions.
Family finance tips whatever your budget
29 October 2018 www.skintedmintedmum.co.uk
THINGS TO DO THIS WEEK:
Listen to the Budget. The Chancellor will be announcing his latest plans later today so you’ve time to pop out and fill up the car/replenish the drinks cabinet if you’re worried about duty increases.
Send your mail to to east or south-east Europe. You only have until 3 November to use standard Royal Mail delivery for their Christmas presents. Check all the last posting dates here.
Find and spend gift cards. Debenhams shutting stores, Gourmet Burger Chain closing restaurants: 2018 has been a nightmare for the high street. Be prudent and spend any gift cards you have sitting around sooner rather than later - there may be nowhere left to take them soon...
First Direct 10 year fixed rate mortgage at 2.44%. WE LIKE: No arrangement fees, free valuation and free legal fees for remortgages. WE DON’T LIKE: It’s on a maximum 60% loan to value. Ten years is a long time but you can take the mortgage with you if you move. There's a penalty for full repayment within the term.
DEALS OF THE WEEK:
Double up your Nectar points. You need at least 1,000 points (maximum 20,000) to exchange your saved Nectar points for a Nectar Double Up voucher. You can order them online (and get them posted to you) between today and 4 November or from a participating store between 5 and 18 November 2018. The vouchers must be redeemed between 12 and 18 November 2018. Happy shopping!
FatFace debuts at online discount store Brand Alley! Up to 70% off women, mens and kids here. Snap up Craghoppers Kids (good for winter puffy coats) at the same time with 70% off too.
Get down with the kids with 60 free days of premium (ad-free) Spotifyhere. New customers only and thereafter it’s £9.99 a month. (Team Minted gave in to pester power and has a family subscription for £14.99 a month which, considering the kids’ usage, seems to be not a bad deal.)
WORTH A LOOK:
Thinking about gift cards for youngsters at Christmas? There’s 10% off selected App Store & iTunes gift cards at Tesco. The deal applies to £25, £30 (in-store only), £30 (multipack) or £50 App Store and iTunes Gift Cards in store and online. Also available on £25 to £100 digital gift cards (online only). Offer runs until midnight on Sunday 4 November.
If you’re thinking of switching bank accounts, take a look at Marks & Spencer Bank. Swop to its Current Account and get a £125 gift card: handy for covering festive food and prezzies in the next couple of months. If you pay in at least £1,250 a month and have four direct debits active, you can get up to £60 (£5 a month) if you stay for 12 months. (Bear in mind HSBC has a slightly better reward for new customers at £150 upfront and £50 after a year if you sign up to online banking.)
Up to 50% off multiple Orla Kiely ranges again at Brand Alley here. The company went bust so might be worth picking up some discounted bits now - only accessories and homewares will continue.
SKINTED BLOGS OF THE WEEK:
Charlotte reveals here a trick for making money when you shop for Christmas presents.
Lost a pension or bank account? Charlotte explains how to find your missing millions here.
MINTED BLOGS OF THE WEEK:
Jane explains the real costs (for parents) of kids going to university here.
Find out here why Jane is pleased the stock market is sliding.
WHAT HAPPENED LAST WEEK (TO 28 October 2018):
The stock market fell again to below the 7,000 mark - for the brave, this might present a buying opportunity. However, today’s Budget could impact on the market: positively or negatively.
Away from shares, there was more dire news from TSB: it has lost 16,000 customers since its IT meltdown earlier this year.
In brighter news, Christmas is fast approaching. According to Good Housekeeping magazine’s annual survey, the best turkey is the £26 frozen one from Iceland, beating M&S into second place. Iceland also had the best Stilton, while Morrisons won the top place for mince pies and shared the top slot for Christmas cake with Sainsbury’s. Makes you put on weight just thinking about it...
HAVE YOUR SAY ...
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Make friends with someone who lives at the top of a hill. You can set up camp at their place on Bonfire Night and watch all the surrounding displays for free.
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