Win £1,000 to invest, 20% off gift cards, half-price smellies, cheap Ideal Home show tickets, best fixed-rate bonds.
Family finance tips whatever your budget
12 November 2018 www.skintedmintedmum.co.uk
THINGS TO DO THIS WEEK:
Look out for the Your Money Matters book. All secondary schools will receive 100 copies of this personal finance textbook for teenagers, funded by Martin Lewis of MoneySavingExpert. Worth a read for adults too. You can download a free PDF version of it here.
Reapply for PPI compensation. Are you one of 150,000 people with a rejected PPI claim? New rules say you could be due a payout if you were paid commission of 50% or more and not told about it. The final deadline for claims is 29 August 2019.
Book your Christmas travel. Reserve your train/plane/coach tickets for Christmas getaways now before seats run out or prices rise.
Two year fixed rate bonds at 2.3% from OakNorth and Investec Bank. WE LIKE: The rate: the bonds are best buys, says Moneyfacts. The low minimum deposit of £1,000 at OakNorth (but it's £25,000 at Investec). WE DON’T LIKE: Variable rates could go up during the term and you can’t get out early.
DEALS OF THE WEEK:
Tesco now has 20% off selected fashion retailer gift cards. They are New Look (£25), Gap (£25), Footlocker (£25, in-store only) and H&M (£20). Offer runs until Sunday 18 November 2018.
Cheap Ideal Home Show Christmas tickets. Get two for £10 at MoneySavingExpert with the code MSE2410 here if you book by Saturday 24 November. If that doesn’t work, go via Groupon here to get two for £15. The show is at London Olympia from 21 to 25 November. Tickets are normally £13 per adult in the week or £15 at the weekend.
Loads of brilliant discounts still at Boots Star Giftshere. Issey Miyake, DKNY, Michael Kors and Hugo Boss perfumes are better than half-price plus Clinique and Laura Ashley potion collections at 50% off. Even Oral B electric toothbrushes reduced from £79.99 to £29.99 for sparkling smiles...
WORTH A LOOK:
Win one of five prizes of £1,000 to invest in an investment company with the AIC here. The first 1,000 entrants will receive a ‘Penny’ piggy bank, decoration stickers and chocolate gold coins. The AIC website also has lots of info on investing, especially for children. Deadline for entry is 31 December 2018.
Cheapo Nespresso coffee machine at Aldi: a good gift for the caffeine-dependent? For another £20 you can get a milk frother. But will it all fit in the stocking?
Advent calendars alert. Buy the simple chocolate calendar for £2.95 at Ikea and get a £5 Ikea voucher for free at the till. Inside the calendar itself is another coupon, which could be worth up to £100 (although there’s far fewer of these than the £5 ones). Meanwhile there’s half-price advent calendars at Tesco here.
SKINTED BLOGS OF THE WEEK:
Charlotte explores whether warranties are worth the money here.
How honest are you (or should you be) with your partner about your finances? Charlotte finds out here.
MINTED BLOGS OF THE WEEK:
Jane is starting her reverse advent calendar to donate to local food banks. Find out here how to join in the #FoodbankAdvent campaign!
Jane discovers here whether it's worth combining all your different little pensions into one basket.
WHAT HAPPENED LAST WEEK (TO 11 November 2018):
Men and women started qualifying for their state pensions at the same age (currently 65) from this week. From now on, the age at which men and women get their state pension will be the same ie 66 years by 2020 and 67 by 2028. But women still suffer from pension inequality. Due to career breaks for raising children or caring for relatives, they may not have enough National Insurance qualifying years to get the full state pension. They typically have smaller occupational and personal pensions too.
In other gloomy news, the Financial Ombudsman Service reported a sharp upturn in complaints about current accounts but payment protection insurance (PPI) continued to be the biggest workload. City regulator the FCA has now told banks they need to write to 150,000 customers whose complaints about PPI were rejected, suggesting they make a fresh complaint. Finally, even dying is getting more expensive: probate fees are going up from a flat £215 now to up to £6,000 depending on the size of the estate.
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:
Gather up fallen leaves, bung them in a sack with air holes and in a year or so you will have lovely leaf mould: caviar for the garden soil. Good exercise + saving money = smug gardener.
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