Prepare your online tax return. If you missed the deadline for your paper return, you can still submit it online by 31 January 2019. But you need to register well in advance: it takes at least 20 working days to complete. The first step is to get a unique taxpayer reference here.
Sign up for a new credit card. The cost of balance transfers is going up while zero interest periods are being cut, says Moneyfacts. Get in there while the odd decent deal is still available.
Review your energy bills. Some of the most popular fixed rate deals are coming to an end soon. With winter coming on, make sure you don’t get stuck on your provider’s standard tariff which is often the most expensive and look for a better offer.
Charter Savings Bank one year fixed rate cash Isa at 1.6%. WE LIKE: The rate. There’s also a new 95 day notice (variable rate) cash Isa at 1.54%. WE DON’T LIKE: The rate's good compared other cash Isa's but because inflation is 2.7%, you’re losing money if you leave your savings on deposit.
DEALS OF THE WEEK:
If you didn’t get enough bangers at the weekend, Waitrose has a two-for-one deal on fireworks until Saturday 10 November. While you’re there, you could get 25% off six bottles of wine too.
Mark your diary for Black Friday 23 November when Ryanair will be launching super-special offers on flights here. There’s also some incredibly cheap (under £10 one-way) tickets now to winter fun places such as Oslo, Gdansk and even Morocco. You can use the saving to pay to take a bag big enough to hold more than a single change of underwear and a toothbrush...
Restaurant discount scheme Tastecard is now £1 for 60 days, see here. The card gives you two-for-one meals or 50% off at over 6,000 restaurants (including Prezzo, Zizzi and Pizza Express) all week as well as 40% of cinema tickets. Thereafter it’s £34.99 for the year which is half the normal price. Offer ends soon!
WORTH A LOOK:
Cheap magazine subscriptions on Prima, Red, Men’s Health and more with this up to 79% off special offer from Hearst Magazines here. Good Christmas present for hard-to-please relatives maybe! (Reduced beauty boxes too.)
Discounts on all kinds of sports gear for the fitness fanatics in your life at Decathlon.
Get your last wishes drawn up cheaply because November is Will Aid month. Participating solicitors will draw up a will for a suggested donation of £95 for an individual or £150 for a couple which will go to charity. It could be less if you’re genuinely on a low income, see here.
SKINTED BLOGS OF THE WEEK:
Are Premium Bonds a good investment for children? Charlotte finds out here.
Charlotte figures out here how to pay for a new boiler (and not have to take showers at the local leisure centre).
MINTED BLOGS OF THE WEEK:
Jane is overwhelmed by the amount (and cost) of her laundry here.
See how much tax you'll save here in Jane's round up of what the Budget means for you.
WHAT HAPPENED LAST WEEK (TO 4 November 2018):
Inappropriately for the week leading up to fireworks displays, the Budget was a bit of a damp squib. Most of us will pay less tax due to an increase in personal allowances from April although higher rate taxpayers will lose much of this benefit thanks to higher National Insurance contributions.
There was also news that from next March, anyone can buy Premium Bonds for children. At the moment you have to be the child’s parent or grandparent and the minimum purchase will fall from £100 to £25 (see Charlotte’s blog above for more on this).
Finally, there will be a 50p commemorative coin minted to mark Brexit. The Bank of England is also looking for suggestions of famous (dead) scientists to go on the back of £50 notes. Our vote is for Ada Lovelace: the great-grandmother of computer science and Byron’s only legitimate child too. Quite a life.
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 or send your money queries to:
Get culinary cred points by picking up fallen chestnuts on an autumn walk. Much cheaper than the vacuum-packed variety at the supermarkets. Make sure you roast them long enough to neutralise any dog pee.
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