Spare us the Facebook holiday photos – and stop the burglars

Spare us the Facebook holiday photos – and stop the burglars
Do you remember having to go to Boots to pick up your holiday snaps? You handed your roll of film in then a few days later, got the prints complete with all the duff shots which you binned straight away. How great is it that you can now take photos with a phone and delete dodgy ones straight away. A...
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Prom dresses: how NOT to end up overspending

Prom dresses: how NOT to end up overspending
In a few weeks’ time, hordes of teenagers will be going to Prom parties – and that means a load of hassle and expense for parents. And it’s not just post-GCSE and A level students who may soon need formal wear. My 12 year old was invited to a school formal dinner because he was in the football team....
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Splash the cash to improve your home - or move?

Splash the cash to improve your home - or move?
Like most Britons, my most valuable possession is my home. Since I bought it seven years ago, it’s gone up in value by about 60% - which sounds great, but had we stayed in our London house then it would be far higher. I did spend money on it when we moved in – the artex had to (expensively) go and t...
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How to save £££s on your car insurance

How to save £££s on your car insurance
I am a middle aged woman, live in the countryside and own a boring, elderly Japanese car. I’ve only had one tiny shunt – around 15 years ago – and I don’t drive many miles. Still, my car cover costs more than £200 a year: add on road tax at £230 a year plus MOTs, services and being a car owner is ex...
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How to save £300 on your energy bills.

How to save £300 on your energy bills.
Is your hairdryer costing you more than the kids’ PlayStation? Here’s a fun way to spend a few minutes – and learn something at the same time. There’s an online game from home interiors company Hillarys here . You have to rank household appliances according to how much they cost over a year. Some fu...
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How to track down your missing pension millions

How to track down your missing pension millions
There is a tonne of missing money sitting in forgotten pensions. If you do one money making thing this year, then you owe it to yourself to make sure you know where all your past pensions are. Research from Aegon found that while 64% of us have multiple pension pots, 22% (potentially more than 7 mil...
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A loaf for £15: why we need to teach our children about money

A loaf for £15: why we need to teach our children about money
Childhood innocence is all very touching but not when it comes to money. Halifax has just surveyed a group of eight to 15 year olds about money with frankly depressing results. According to those interviewed, a loaf of bread costs £15 and an average car, £67,000. They also thought a teacher earns £1...
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How to make your garden grow – without overspending

How to make your garden grow – without overspending
The Chelsea Flower Show is in full bloom this week. It’s fabulous for inspiring gardening ideas – but possibly wallet-damaging for a skinted gardener. I love gardening but I am rubbish at it. I can’t even grow mint, unbelievably. Last year I shelled out for new turf for the back garden. Half of it i...
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How to have a great wedding – even if you’re not a Royal

How to have a great wedding – even if you’re not a Royal
The nuptials of Meg ‘n Harry have hardly been without drama – what with her ailing father and the chips on her half-sister’s shoulders. But at least the couple haven’t had to worry about the cost. I read somewhere that her dress alone could cost £100,000: you can get a house for that up north. When ...
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Climb every pension mountain

Climb every pension mountain
Here’s a nice, big figure to spoil your Wednesday. The typical person will have to save £260,000 just to have a basic income in retirement. And that basic income is just £9,000 on top of the state pension which if you qualify for the full one is currently worth about £8,500 a year. So that’s a total...
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Generation rent: older than you might think

Generation rent: older than you might think
It’s been more than 25 years since I rented a home. And while it wasn’t great living with falling-to-pieces sofas and dodgy decor, I do miss the lack of responsibility. If you own a house, you have to worry about – and pay – for maintenance. But I bet many of those who have no choice but to rent wou...
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Are you one of the 800,000 homebuyers losing money?

Are you one of the 800,000 homebuyers losing money?
This is a call to action. If you’re on a standard variable rate mortgage and you can move to a better deal, then what are you waiting for? It’s time to remortgage – if not now, then in a few weeks’ time. Here’s why. Currently according to Moneyfacts the typical two year fixed rate mortgage is 2.51% ...
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Don’t be in the dark about debt

Don’t be in the dark about debt
It’s not easy staying in the black these days unless you’ve a good income. I am lucky that I have (dwindling) savings which I can call on if I’m running short of cash or have an unexpected bill. But I also just try to keep spending under control. That means going without that new book, shirt or what...
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TSB: what to do if you’re affected

TSB: what to do if you’re affected
What a nightmare the TSB computer fiasco is turning out to be – and it’s still going on. If you’ve somehow managed to avoid this story, here’s a recap. TSB, which is owned by the Spanish Banco Sabadell, had a planned shutdown of its services from Friday 20 April so it could move 5.4 million customer...
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What’s your most treasured possession?

What’s your most treasured possession?
I like to think I’m not materialistic. Most things I have are replaceable and I’m not sentimental about objects. I’m fanatically anti-clutter and love a charity collection bag popping through the letterbox: another excuse to get rid of stuff. But then there are things I really would miss. Insurer Ad...
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Can you actually make money from cards or accounts?

Can you actually make money from cards or accounts?
There’s no such thing as free money: or is there? But then there are rewards for moving your current account, spending on a credit card or a shop reward scheme. Surely they must be worth doing? Let’s take cashback and reward credit cards. According to experts Moneyfacts, shoppers using these schemes...
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Food kits: are they worth it?

Food kits: are they worth it?
I’ve just spent more than £100 at Sainsburys: and I don’t think I’ve got enough for more than three or four complete dinners. Yes, I did buy non-food items – cat food, toilet roll - as well as lunch/breakfast stuff and (non-alcoholic) drinks. But the dinner choices are uninspiring and basically come...
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Are you losing your identity to a fraudster?

Are you losing your identity to a fraudster?
  I have had my bank account targeted by fraudsters twice. In both cases, my bank sorted it out quickly and I didn’t lose any money. These days, I am so conscious of being defrauded my banking activities are set back in the 20th century. I don’t do bank transfers unless I can possibly avoid it ...
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When some things are too cheap

When some things are too cheap
I have had it with Poundland. I only ever went there to bulk-buy their £1 spectacles. But the last three pairs I had lasted – and this is no exaggeration – four days. The arm of one pair fell off as soon as I put them on. One lens of the next pair fell out after a day. The final pair managed to last...
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Faith @MuchMoreWithLessh
Great examples of some items where the cheap options are a false economy and others where it's not worth paying more. I benefited ... Read More
Monday, 30 April 2018 19:31
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Back to school: at what a cost?

Back to school: at what a cost?
Next week school summer term begins: and we are ready for it, with the homework done and the uniform already ironed. Fortunately, junior has not yet undergone a massive growth spurt: unlike many of his 12 year old friends who surely must be eating Miracle Grow on their cornflakes. He still fits the ...
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