Why you must sign up to child benefit even if you’re not eligible

Got kid(s)? You must sign up to child benefit for them, even if you’re not eligible, or risk losing thousands of pounds of your state pension later in life. It sounds crazy but if you don’t register, the tax man doesn’t know you have children. And if you take time out to look after them, you won’t g...
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And lift off! New family money website Skinted Minted Mum goes live ... #skintmintmum

​Going live today!   Check out our new personal finance website:   www.skintedmintedmum.co.uk   BY MUMS, FOR MUMS - WHATEVER YOUR BUDGET.
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Summer shopping for a hassle-free Christmas

Now Bonfire Night is over, I see the shops are going full on for Christmas. All good stuff – especially as I started my Christmas shopping before half-term. Nice little three-for-two offer at Laura Ashley sorted the cracker and napkins requirement. I suppose it’s a bit pre-emptive. Non-festive,...
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Because you're worth it: get a valuation

There was an article in the Mail yesterday about an unfortunate lady whose jewellery had been stolen. Her insurer would not pay out because she didn’t have receipts or photographs of the family heirlooms taken by the burglars. It seems mean but you have to look at it from the insurer’s point of view...
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Tearing it up with the Smax

A nasty surprise in the post. I want to say ‘this morning’ but our mail doesn’t arrive until lunchtime these days. It would’ve been bad news at any time of day – I’ve been done for speeding. Shame-faced, I told Mr Minted. He collapsed in hysterical laughter. Because I am, as friends and family know ...
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Yes I do want a receipt

When the cashier at Marks & Spencer asks me if I want a receipt, I’m tempted to say no. Do I really need a record of the actually not-so-paltry £5.99 I’ve spent on the zero-calorie, kale-only lunch substitute? All those itty-bitty scraps of paper build up in my purse. It looks like I’m a real mo...
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How to make little gold fingers

Mid-way through half-term and the strain is starting to tell ... Instead of doing anything fun like carving pumpkins or making Halloween cakes, I've decided to try to interest the children in the stock market. The idea is to pick three companies each and follow the progress of their share prices up ...
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Really, what is the point of savings accounts?

Nought point nought five per cent. Or 0.05%. What is that? When you spell it out, it’s even more obvious what it is. Zero, practically. There’s a whole load of noughts in there – and in a bad way. Like without a one or a five or any kind of positive figure up front. Yup, it’s a tiny percentage of ab...
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Raiding the responsible: why punish me for buying insurance?

Rain, rain, rain. Grey skies, zero sunlight and a dampness that gets into your bones. Along with a growing brown stain on the garage ceiling.  The leak which sends me scurrying off to check my house insurance. Buildings is up to date but contents (all my lovely junk which over the years ha...
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Switching gas supplier: not just a lot of hot air

Unbelievably I have saved well over £1,000 on my energy bill – just by switching supplier. I knew you could cut your costs quite radically doing this but I never got round to it. To be frank, I could never figure out my annual usage and then got stalled on the comparison websites when they asked for...
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