Cheap champagne & wine, discount theatre & cinema, school shoes steal, best fixed rate cash Isa.
Family finance tips whatever your budget
8 April 2019 www.skintedmintedmum.co.uk
THINGS TO DO THIS WEEK:
Check your tax code. The new tax year has started and it’s worth checking you’re on the right tax code because HMRC does make mistakes and you could overpay. See Charlotte’s blog on deciphering what your tax code means.
Organise probate. The hike in probate fees which was due to start from 1 April has been delayed. No new date has been given so best to get on with sorting out a loved one’s estate while the costs stay as before. See our SMM guide to probate for more help.
Switch to zero interest credit card. Money Saving Expert reports that the longest period you can get zero interest on a new credit card has dropped to 30 months and forthcoming deals could be shorter still. If you have outstanding debt on any card, move now and use that time to pay it off completely.
Aldermore fixed rate cash Isas, minimum investment £1,000. WE LIKE: the rates - 1.65% fixed for one year, 1.8% for two and 1.9% for three. WE DON’T LIKE: You can get at your money during the fixed rate period but you’ll lose interest - 90 days’ worth for the one year deal and 180 days for the two and three year offers.
DEALS OF THE WEEK:
It’s wine o’clock! There’s cheap champagne at Lidl which is now less than £15 a bottle. Cheers! Meanwhile there’s also six bottles of £5 wine, including Wolf Blass and Gallo family plonk, for £22.50 at Asda. For the more Minted, Jane spotted a Lansons offer being stacked at her local Morrisons this morning: the deal should launch on Wednesday. Here’s hoping it’s a good one,
Be prepared, Avengers Endgame hits cinemas on 25 April. If you’re a Vodafone customer, you can get two Odeon tickets for £7 (any day) once a week as part of the VeryMe reward scheme but you must sign up and use the app.
Need some child entertainment in the holidays? Have a flutter for £20 tickets in the Aladdin musical lottery. It opens at 11am on Mondays and closes at 11am on Tuesdays. Entrants can select up to three choices of performance for the next week and are eligible to win up to two tickets (priced at £20 each) per draw. Alternatively zoom in on lastminute.com to find half-price tickets to Motown the Musical.
WORTH A LOOK:
Replace those school shoes with 50% off at Clarks. There’s also free standard delivery if you spend £50 or more. Women's and men's shoes are also in the sale.
Get the quarterly free Lego Life magazine delivered to your door. Perfect for five to nine year olds.
Want to escape Brexit? There’s 20% off and 6.5% cashback on Iberostar hotels if you go via Quidco*.
When your car is serviced, what extra work really needs to be done? Jane finds out.
WHAT HAPPENED LAST WEEK (to 7 April 2019):
What with meaningful votes - are there non-meaningful votes, we wonder - and the continuing Brexit b***ocks, everything else seems to be on hold, including financial services. But there was a bit of good news in that the Financial Services Compensation Scheme (FSCS) limit has gone up from £50,000 per investor to £85,000. The scheme is in place to compensate investors if the financial firm they used fails: it’s not there to pay up if your investment just doesn’t do well.
Talking of investments, the Financial Conduct Authority has warned investors to be careful about taking out Innovative Finance Isas. These may promise higher returns than traditional cash Isas but they are invested in riskier assets such as peer-to-peer lending and mini bonds, and they aren’t covered by the FSCS. Buyer beware.
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:
Kids glued to Xbox or smartphone now that school’s broken up? Hide chargers and controllers and only return them after child has done something parent-friendly such as tidying their room or reading a book. Put on your own headphones to drown out the moaning.
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