Cyber Monday sales, free £10 cashback, almost half-price fizzy, discount gift cards, cheap Christmas hampers.
Family finance tips whatever your budget
26 November 2018 www.skintedmintedmum.co.uk
THINGS TO DO THIS WEEK:
Send cards and presents abroad. The last day for standard international delivery to Africa and the Middle East is 4 December. Check out the dates for all destinations here.
Make sure your breakdown cover is up to date. If you’re travelling to see friends/family over the festive season, you don’t want to be abandoned on the side of the motorway in the dark and the cold. Use a comparison website to get the best price but check first you don’t already have it on your motor insurance policy.
Switch bank account if you’ve got an overdraft. Lloyds Banking Group (Lloyds, Halifax and Bank of Scotland) is changing its overdraft charges from the New Year from a flat 1p for every £7 in the red to a tiered system. MoneySavingExpert says this means most will pay more for their overdrafts.
Barclaycard Platinum 29 month balance transfer credit card. WE LIKE: 0% on balance transfers for 29 months and 0% on purchases for six months. You get savings on live events via Barclays Entertainment. WE DON’T LIKE: The balance transfer fee is 1.99%.
DEALS OF THE WEEK:
Don’t worry if you missed the Black Friday deals, today is Cyber Monday: a raft of bargains with the twist that it’s online only. Keep your eye on Amazon, Argos, Currys, Game, Carphone Warehouse and John Lewis.
You can earn money while you shop for Christmas essentials by buying through a cashback site. Skinted Minted Mum has arranged a special deal with Quidco* to get £10 cashback for free if you sign up via our link here. Alternatively, you can sign up to Quidco through freebie website Latest Free Stuff here and get a free Cadbury Giant Chocolate Box for free (worth £15).
The Tesco Lanson deal has landed! Jane’s favourite fizzy is £22 (down from £32 until 1 December) and there’s a further 25% off if you buy six bottles or more (valid until 3 December, applies to other wines too). If you want to try something different for Christmas this year, look here for alternatives. Another idea is substituting Dolcetto for pricey Barolo if you’re into full-blooded reds.
WORTH A LOOK:
Shop small: American Express cardholders can get £5 credit on their statement by spending £10 or more on the card in a single transaction in-store at a participating small business. There's no limit to the number of £5 credits you can receive but you can only claim the offer once from each small business location. The scheme runs from 1 December to 16 December 2018. Find out more here.
Tesco has 20% off various gift cards including Mitchells & Butlers (variable from £15 to £100, in-store only), Mitchells & Butlers (£20), Bella Italia (£20) and Café Rouge (£20) cards. The offer runs until midnight on Sunday 2 December 2018.
Cheapo Christmas hampers at Aldi including this good-looking one with packaging not a mile away in colour terms from Fortnum & Mason.
SKINTED BLOGS OF THE WEEK:
Fancy a new city for the weekend? Read Charlotte's top tips here for getting a bargain break.
Charlotte explains what to do with faulty or unwanted Christmas presents here.
MINTED BLOGS OF THE WEEK:
No money for presents? Jane finds out here how to get free stuff online.
Jane outlines here how to check you've got the best price for an item (and not just on Black Friday).
WHAT HAPPENED LAST WEEK (TO 25 November 2018):
Two small energy companies, Spark Energy and Extra Energy, with nearly 400,000 domestic customers between them, went under. So far this year six consumer energy suppliers have failed. In more corporate shambles, EE and Virgin Media were fined £13.3 million by Ofcom for leaving customers who left their contracts early out of pocket.
Meanwhile, the amount of money to borrow has surged with a return to the mega-mortgage. Lenders Clydesdale and Darlington Building Society are now offering high multiple (5.5 and six times income respectively) to some borrowers. And, on a lighter note, if you fancy a trip to a Christmas market head for Riga, the capital of Latvia, says Post Office Money, as it’s the best value for a festive break in Europe. Cheapo mulled wine and gingerbread: Prieka! And a very merry Ziemassvetkus!
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:
Dreading the approach of the school Christmas concert? Buy a large ‘fun’ hat (Santa, hilarious turkey, elf etc) and wear it to the performance. You can hide your secret noise-cancelling headphones underneath.
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