Should we dump our cash #Isas?

Should we dump our cash #Isas?
I have a cash Isa but frankly, I do wonder why I bother. I'm getting just 0.75% interest on it. And it seems I am not alone. According to Moneyfacts, the typical easy access cash Isa paid just 0.82% last year. Although rates have now increased a bit overall (fixed and variable) the typical Isa rate ...
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Where can you go on #holiday without breaking the bank?

Where can you go on #holiday without breaking the bank?
January is such an awful month: so now is the perfect time to consider this year’s holiday. For me it’s probably just dreaming. At the moment a day trip to Bognor is about all we could manage. But things could improve chez skinted. And what’s wrong with dreaming, after all? While now is meant to be ...
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In the red on #BlueMonday

In the red on #BlueMonday
Blue Monday - which falls on 15 January this year - is meant to be the most depressing day of the year. There is a pseudo-scientific calculation on this (which wouldn’t stand up to any rigorous scrutiny) but basically it's a combination of bad weather/post-Christmas lows/broken resolutions and a mou...
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#Freechildcare: why aren't you claiming it?

#Freechildcare: why aren't you claiming it?
Fortunately, my days of paying for childcare are long gone. When I lived in London and had a full time job, I was paying £200 a week for a childminder. As the childminder also seemed to go sick fairly regularly, meaning I had to take time off work – and if the boy even showed signs of sickness she w...
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New year, new #savings resolution

New year, new #savings resolution
The best resolutions are the ones you can keep beyond this month. In this house we’ve settled for junior making his bed every day and promising to try a new food once a week. I’ve gone for money saving ones, of course. That means planning meals, trying not to use the tumble dryer too much and cuttin...
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2017: it’s been quite a year…

2017: it’s been quite a year…
This is the season for reflection – what was the past year like? What do I want to achieve next year? And it’s such a sentimental time of year even for hard-hearted cynics such as me. Our Christmas tree is adorned with ornaments created by junior such as the wonky angel shown here, made many years a...
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How to #savemoney at Christmas

How to #savemoney at Christmas
What is it about Christmas that makes you spend money like a toddler high on chocolate coins? Perhaps it says something about my rubbish parenting skills but when the school said kids could wear Christmas jumpers on Monday, did I refuse to shell out for some acrylic monstrosity that will get all of ...
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Money presents for kids: better than toys?

Money presents for kids: better than toys?
You may not be able to gift wrap a tenner. And it might not cause whoops of excitement on Christmas morning. But here’s an idea: why not buy a cheapo present and bung a bank note in as well? Children are mercenary little things and they like money. They will certainly like it more than ill-chosen th...
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Cash at Christmas: the perfect present for those far away

Cash at Christmas: the perfect present for those far away
Cash is a brilliant present. Yes, it might be unimaginative but I would far rather have a crisp banknote than some present that I’ll hate – I’m being practical, if ungrateful here. But of course you cannot put bank notes in the post – particularly if you’re sending money to friends or relatives abro...
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How to winter-proof your home – and #savemoney

How to winter-proof your home – and #savemoney
Was it cold enough for you yesterday? Well, it’s going to get even chillier soon. Apparently this is all down to La Niña, a cyclical weather phenomenon less well known than her big brother El Nino but similar. So the long-term forecast seems to be that we’re in for a cold winter. Forewarned is forea...
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