Bank switch £175, half-price baby basics, 2-for-1 entry to gardens, best one-year savings fix.
Family finance tips whatever your budget
29 April 2019 www.skintedmintedmum.co.uk
THINGS TO DO THIS WEEK:
With the kids back to school, it's time to get on top of holiday planning with our special summer checklist:
Buy insurance. Get the best deal by using a comparison website such as Money Super Market*. Annual and family policies often work out cheaper.
Sort out car hire excess insurance. If you’re hiring a car abroad, buy standalone excess insurance before you go rather than being sold pricey add-ons at the airport pick-up. See Jane’s blog on how to avoid car rental rip-offs.
Organise a card for spending overseas. The Halifax Clarity credit card doesn’t charge fees for withdrawing money while overseas or when paying for goods. If you want to budget, then a card pre-loaded with cash is a good idea: we like Revolut.
Check your passport is valid. We may not yet have Brexited but we’d still be happier travelling with a minimum six months’ validity. This will be compulsory for travel to Europe once (if) the UK leaves the EU.
Book airport parking. Secure your spot in advance, as well as any train tickets, transfers and even online entry to the big sights eg Eiffel Tower. Both Topcashback and Quidco* have cashback deals for parking.
Atom Bank one year bond paying 1.97% fixed for a year on minimum £50. WE LIKE: The new higher rate. And fixing for one year is pretty safe - it’s unlikely variable rates will rush ahead over this period. WE DON’T LIKE: Atom is an app-only bank. So possibly one for millennials or GenZ-ers rather than baby boomers.
DEALS OF THE WEEK:
Want to switch your current account to another bank? There’s a bonus of £175 if you move to NatWest by 7 June. You’ll need to pay in at least £1,500 and log into online or mobile banking by 12 July to get £125 paid to you by 9 August. Use your debit card at least once a month and by 30 June 2020 you’ll get the remaining £50 bonus.
There’s a two-for-one entry card to 447 gardens across the UK free with the May 2019 issue of BBC Gardeners’ World Magazine. The gardens include Kew, Sudeley Castle and the Eden Project. The card is valid until 10 April 2020. If your newsagent has sold out of the magazine, you can order a back copy from the Gardeners’ World website.
Watch out for deals for Tesco Clubcard holders from 7 May. Money Saving Expert has reported there could be discounts of up to 50% on groceries and clothing to celebrate the supermarket’s 100th birthday.
WORTH A LOOK:
Want a bargain break? If nothing tickles your fancy on lastminute.com, check out Jack’s Flight Club and sign up for free notifications of cheap flights. Alternatively, have a nosy at HolidayPirates for a similar service on holidays.
Back at home there’s two-for-one on Ronseal fence paint from Wilko if you want to spruce up your garden for a staycation.
Tesco is having a Baby Event with half-price nappies and other bargain basics for little ones. Glad those days are long gone for us…
SKINTED MINTED MUM COMPETITION:
There’s still time to enter our competition to win a FREE Kids Pass annual membership. This gives you instant access to thousands of offers, including up to 40% off cinemas nationwide (seven days a week, adult and child). There’s also kids eat free deals at thousands of restaurants, up to 65% off family days out, up to 10% off UK family breaks and up to 50% off Eurocamp holidays. The deadline for entries is 30 April (tomorrow) so get your skates on for savings!
Another week, another banking error. About 200,000 former and current Lloyds Banking Group customers are in line to receive payments averaging £30 each because they weren’t told about changes in savings or current account interest rates.
Bank customers are obviously voting with their feet as there were 265,195 current account switches in the first three months of this year. This is up more than 30,000 on the previous quarter, said the Current Account Switch Service (CASS). Since 2013, more than 5.6 million current accounts have been switched.
Meanwhile there was bad news for parents hoping to give their offspring a gold-plated education. Annual private school fees are now increasing by an average 3.7% annually, far above inflation, according to the Independent Schools Council. The typical yearly cost of a senior day school is £15,027 and an eye-watering £33,912 for boarding.
Finally, the Bank of England is looking for someone to take over from our favourite silver fox, Mark Carney, who leaves his post on 31 January 2020. Our application forms are in the post...
HAVE YOUR SAY ...
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Melt down leftover Easter chocolates. Mix in crumbs from the bottom of biscuit tin and any forgotten cereal or muesli. Leave to set and you’ve got cut-price Rocky Road: you’d pay £££s for that in Starbucks.
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