Discounted London attractions, current account switching perks, cheap railcards, best two-year savings fix.
Family finance tips whatever your budget
18 February 2019 www.skintedmintedmum.co.uk
THINGS TO DO THIS WEEK:
Switch your current account. You’ll get a £175 welcome bonus for changing to the HSBC Advance account via Money Saving Expert (£150 direct) or £150 with the NatWest and RBS Reward accounts. HSBC is ongoing but the deal ends this Friday for Natwest and 8 March for RBS.
Use your Isa allowance. You’ve six weeks to stash your cash in a tax-perk Isa before the allowance expires on 5 April. You can put away £20,000 this year. See our guides to Isas for more help.
Fix your fuel bills. As we predicted, firms are already putting up prices following the increase in the price cap. E.on and EDF customers on variable rate tariffs will see their bills go up by an average of 10.3% from 1 April. Take out a fixed rate deal now!
OakNorth 24 month fixed rate deposit paying 2.28% on minimum £1,000. WE LIKE: Good rate and two years isn’t too long to tie money up. WE DON’T LIKE: You’re still locking up cash, so only do so if you are sure you won’t need the money. OakNorth is digital only so there are no branches and you must operate the account online.
DEALS OF THE WEEK:
Full steam ahead for savings on railcards but you need to be quick because the deals end this week. There’s 20% off the Friends and Family annual discount railcard (normally £30) until Thursday with the code FEBHALFTERM19. Or check out the Two Together railcard (normally £30) by Tuesday night with VDAY15 and get it for £25.50.
Worried about how Brexit could affect your holiday plans? Eurotunnel is offering free cancellation up to seven days before travel and a full refund on pet bookings and insurance if you book before 28 February for travel between 14 March and 30 September.
Cheap hot tubs from B&M: £299.99 buys you an inflatable tub called (ahem) Lay-Z Spa Miami. For £100 more you can get the larger Lay-Z Spa Las Vegas. Invite the neighbours round: be prepared for comments along the lines of oversized paddling pool...
WORTH A LOOK:
Subscribe to Good Housekeeping, Prima, Country Living, House Beautiful, Red or Women’s Health and get six issues for £6 (or £1 a month for six months). Call 0844 848 1601 and quote offer code EMU11808.
If you’re planning a trip to one of London’s attractions this week, you’ll probably save on the entrance by buying tickets online in advance. There are deals on Madame Tussaud’s, the London Dungeon and the London Eye at Ashleigh Money Saver or google for half-term offers.
SKINTED BLOGS OF THE WEEK:
With some tempting long-term deals available, Charlotte finds out if it's time to fix your mortgage.
Charlotte reviews the savings accounts on offer from the new banks (such as the digital only ones) and whether it's worthwhile moving to them.
Despite mostly dreary economic news, the UK stock market surprisingly reached a four-month high while the number of homes repossessed fell to its lowest level since 1980. Plus inflation has tumbled to 1.8%, meaning you can actually make money on your savings for the first time for ages. Kerching!
Meanwhile, budget travellers received an unexpected boost as Ryanair has extended the time you have to correct minor errors in bookings for free, such as misspelt names, from 24 hours to 48. The airline also says it is upgrading its planes and making compensation for delays and cancellations easier to get.
And the bad news? The cost of death certificates has gone up from £4 to £11 for each certificate. If you’ve ever dealt with an estate, you’ll know that you’ll need a few certificates (photocopies are not accepted) to prove to different companies and authorities that someone has died. Phew. Got through a whole week’s review without mentioning B**xit.
HAVE YOUR SAY ...
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Save on expensive theme parks and take the kids to Lidl for half-term fun instead. They can play dodgems with the child-sized trolleys. Just mind the jam-jars.
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