Discounted gift cards, Valentine roses free delivery, bargain breaks, devices deals, shoes for a fiver.
Family finance tips whatever your budget
11 February 2019 www.skintedmintedmum.co.uk
THINGS TO DO THIS WEEK:
Fix your energy supply. Prices on variable tariffs are bound to go up from 1 April when the price cap rises so lock in your deal now.
Spend HMV vouchers. As the retailer is in financial trouble, 27 stores are to close, including the iconic one in Oxford Street. Use up any gift cards while your local one is still open.
Buy holiday money for half-term travel. You’ll get a much better exchange rate at supermarkets or stores (such as Debenhams and M&S) than at banks, the Post Office or at the airport. See Jane’s blog on getting the cheapest foreign cash for more tips.
Skipton Building Society five year fixed rate mortgage at 3.28%. WE LIKE: It's ideal for first time buyers as it’s purchase only (no remortgages) and demands a deposit of 5%. There are no product fees, free valuation and overpayments of up to 10% are allowed. Rated excellent by Moneyfacts. WE DON’T LIKE: You're locked into the rate for five years so you could pay more than if you're on a variable rate deal. With a bigger deposit you can get a lower rate. For example, at Yorkshire BS, you can get 1.76% fixed for five years with 25% of the purchase price as a deposit.
DEALS OF THE WEEK:
Ahead of Valentine’s Day, there are discounts on a range of gift cards at Tesco. There’s 20% off Vue (£25), Spa Finder (£15-£100 variable), Cafe Rouge (£20) and Bella Italia (£20) gift cards. Offer runs from today until Sunday 17 February 2019.
If you can’t be there in person, Marks & Spencer will courier 12 red roses to your loved one for £20. If you’re feeling more skinted, rock up to your local Aldi and splash out £2 on 12 red roses there - you’ll have to deliver yourself though.
Fancy a romantic getaway? Book with Expedia via Quidco* and get up to 12% cashback and get an instantaneous £10 cashback for Skinted Minted Mums only!
WORTH A LOOK:
Love Alexa and similar electronic stuff? Check out the Valentine’s Day deals on Amazon gadgets. Echo is £69.99 down from £88.99, Kindle Paperwhite is £99.99 reduced from £119.99 and Fire HD8 Kids Edition is £99.99 down from £129.99.
Brand Alley has 50% off those cool, if pricey, kitchen utensils from Joseph Joseph. [SMM tip: This is a much better deal than what’s on offer as a winter sale on the Joseph Joseph official website.]
An interesting website popped up on the SMM radar this week. Everything5pounds does what it says on the label: shoes, womenswear, menswear and kids stuff, sometimes unsold high-street brands, all for a fiver. If you want a pair of platform heels on the cheap, this is the place. Delivery starts at £3.95 though.
There was good news for travellers with a crackdown on travel agent marketing techniques. Six of the biggest hotel booking websites including Trivago and Expedia were told by the Competition and Market Authority to stop tactics which might mislead customers into thinking they’d got bigger bargains on rooms than they actually had.
Closer to home, forget baking bread or brewing coffee to attract buyers when selling your house. Estate agents say that you need broadband speed of at least 10 mbps or it could slash the value of your home by 20%.
Finally, just in time for Valentine’s Day: no fault divorce is to become law. This brings to an end the need to prove that one party is in the wrong before legal separation is allowed.
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:
Don’t follow the crowd with hackneyed red roses for Valentine’s day. You can get a cactus for a couple of pounds and it will last much longer. Just make sure you don’t get a little prick.
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