Family finance tips for every budget

Charlotte Beugge is skinted
Jane Wallace is minted

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How to sort out your teenager’s money

How to sort out your teenager’s moneyJunior is now 13 and so it’s appropriate that he has his own bank and savings accounts. It’s all a bit silly really, as effectively it is just my money sitting in other accounts (bar the occasional cash present from friends and relatives which may come his way). But it’s an important step on the way...

Happy Easter

Happy EasterWe're taking a week's break for Easter. Need the extra time to get our fill of eggs...

What happens if you’ve ordered something from Debenhams?

What happens if you’ve ordered something from Debenhams?The least surprising story this week was Debenhams. Seemingly in trouble for years, it’s now in the hands of its lenders. Although stores are still open, there will inevitably be closures: just what the high streets of the UK need. Our local Debenhams could be one for the chop. I must admit I only e...

How to get the best deal on your holiday spending

How to get the best deal on your holiday spendingIf you’re going away for Easter, then I’m sure you’ve got a great deal on your flight, car hire and accommodation. And no doubt you’ve sorted out your travel insurance. But what about your spending money? While in the UK, most of us probably rely on our debit cards for day to day spending. But accor...

Should you delay your state pension?

Should you delay your state pension?Usually, the proverb a bird in the hand is worth two in the bush is good advice particularly regarding money. So, for example, a lump sum of cash now than the promise of a bigger one later is often preferable – after all, who can predict the future? But this isn’t always the case. Take the state pen...

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How to always get the best price for your shopping

How to always get the best price for your shoppingCan’t believe that I had barely shaken the sand from my handbag after the blissful bank holiday weekend and I was shopping again. We returned from sunny Devon to find the fizzy siren had gone off. This isn’t some whizzy tech gadget: it’s my sister who keeps a keen eye on champagne deals and texts me...

Happy Easter everybody!

Happy Easter everybody!I'm taking a week's break for Easter. Hope you all enjoy the holidays and that the Easter Bunny brings you lots of treats! My next blog will be Tuesday 30 April. See you then!

How safe is your cash Isa?

How safe is your cash Isa?How secure are my savings inside a cash Isa? Most people assume their nest-egg is safe as houses because cash is risk-free. For those Isas which are invested in cash, this is true. But what if, in fact, your cash Isa is invested in something else altogether? There is a certain sort of Isa on the mar...

Second-hand or fake for designer brands: which is best?

Second-hand or fake for designer brands: which is best?Just back from a weekend in London where I was thrilled to pick up a pair of Tory Burch Minnie Ballet Flats for £70. That’s just less than a third of their normal price of £215. I have coveted a pair of these shoes for several years now but, strangely enough, could never seem to find the money to pa...

Win a year’s worth of discounts on cinema, restaurants and family days out

Win a year’s worth of discounts on cinema, restaurants and family days outTo celebrate the Easter school holidays, we’ve teamed up with Kids Pass, the UK’s No.1 family discounts app for your chance to win a FREE Kids Pass annual membership. The Kids Pass app gives you instant access to thousands of offers, including up to 40% off cinemas nationwide (seven days a week, adu...



  1. Once you step outside the UK, healthcare costs escalate. In some countries, you may not get treated if you don’t have insurance. Don’t leave home without it.
  2. Don’t rely on standard policies which may limit cover to a short period. You need specialist backpacker or gap year insurance that runs for longer.
  3. How much the insurer pays out for theft is capped. The baggage allowance may seem generous but it doesn’t include cameras, mobile phones or laptops. These are ‘valuables’ which might have a smaller limit. Check you’ve enough cover or leave the tech at home.
  4. Find a policy that allows you a quick visit home or an unscheduled stop-off if needed.
  5. Planning on bungee-jumping or white-water rafting? Make sure you’re covered for dangerous sports.
  6. If you’re already ill before your trip (called pre-existing conditions) and you don’t tell the insurance company, they might not pay up if the worst happens while you’re away.
  7. Party with care. If you’re off your head and you hurt yourself, see above. And if your cash is stolen from your sunbed while you’re swimming, you’ll have a battle to get paid out. Insurers expect you to look after your stuff at all times.
  8. Get an EHIC card if you’re going to Europe so you can get medical treatment in most European countries for low or no cost. Remember that this is not a replacement for travel insurance though. The card is free from Don’t buy it from rogue websites which charge.
  9. It’s simple to buy the insurance online. Use a comparison website such as Enter your details and the dates/location of your trip and the site highlights the best policy from its panel of insurers. Prices vary depending on your age, destination and length of travel.
  10. Take the documents with you and leave a copy with family or friends back home. You could also keep a photo of the policy number and insurer’s contact details on your phone.

Read more:

  • To find the best policy in the whole market, go to and click on travel insurance.
  • Get useful pointers at

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2017 SHOMO Awards

2017 SHOMO Awards

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