You have your smart phone, now use it to be smart with money. With hundreds of apps available focusing on shopping, banking, budgeting and making extra money, what are the best ones?
You should be able to use on Apple and Android phones and it’s worth downloading them all:
- Topcashback – https://www.topcashback.com/ ; they pass on their advertising commission straight to you, as cashback
- VoucherCodes – https://www.vouchercodes.co.uk ; helps you find the best working discount codes
- Idealo – https://play.google.com/store/apps/details?id=de.idealo.android&hl=en ; find products, compare prices
- Groupon – https://www.groupon.co.uk/ ; save money on certain offers on restaurants, spa, trips, etc.
- Stocard – https://stocardapp.com/ ; puts all your loyalty cards on your smartphone
- CheckoutSmart – https://www.checkoutsmart.com/ ; find offers, buy and keep your receipt, upload a picture of the receipt and the app puts cashback into your account
I have a kitchen that’s over 10 years old but it looks pretty good, and here are some tips to updating your existing kitchen if you are on a budget.
-Complete kitchens on eBay-
With lots of refurbs going on, pick up a kitchen from eBay. You’ll probably need to collect, but sometimes applicances are thrown in. And if you don’t like the colour, just get some kitchen cupboard paint and spruce up the doors…probably still cheaper than buying new!
-Just replace the doors-
Most kitchens cupboards are well made, but just dated. So head to places that sell cupboard doors online.
I found that using flooring companies from less affluent areas saved me a lot of money. Depending on where you live, head to a less well off area of town, and …
So with a few days to go, how do you get those gifts out without spending a fortune?
Costs have already no doubt been building up – from buying gifts to sending them far and wide to loved ones living away. More and more of us have friends and family who live in a different part of the country or overseas. And, if you’re anything like me with little ones to think about, you simply might not have the chance to get out of the house to get your Christmas gifts delivered on time.
Although we have less than a week before Christmas Day, there are still delivery options available. Better still – some of them will even come to you. Using a courier service is one of the fastest and cheapest ways of having …
As a Christmas thank you, Iceland is offering an exclusive 10% discount to all those working for the Police, Fire Service, NHS, HM Coastguard and RNLI, when they shop at one of its stores between Monday 27 November and Sunday 17 December 2017.
Iceland hopes this special ‘thank you’ discount will make Christmas that little bit easier this year for those people in the emergency services who work around the clock, to help the UK public.
To offer the emergency services a discount this Christmas, Iceland have partnered with Blue Light where as a registered member you will be provided with a unique code for one of the tiered discounts: £4 off £40, £5 off £50 and £6 off £60 Merry Christmas from Iceland Online Team.
Who Qualifies Online via Bluelightcard?
There are 31 services …
Some awesome news from the budget. The government has said people up to 30 years-old will now be able to buy a £30 railcard for discounted train travel.
The move – set to be announced tomorrow – would be an extension of the current young person’s railcard for those aged 16 to 25.
The so called millennials’ card will be available from spring next year, and offer up to a third off non-peak fares.
That’s a bummer as the new railcard is unlikely to be much use for regular commuters, as railcard discounts are restricted at peak times, usually before 10am, but for regular travellers after this time and weekends, it will save quite a few pennies.
The card is part of a series of Budget measures aimed to attract younger voters after a resurgence …
So with Black Friday coming up, wait before you buy! Here’s a round up of savings from some leading retailers and also links to other useful voucher…as you know as well as I do, never buy anything online without using a voucher code if you can.
Offer: Black Friday Prices Now: Save Up to Half Price
Valid until: 26th November
Offer: Great RRP Savings in the Pre-Black Friday Event
Valid until: 26th November
Offer: Black Friday Event! Up To 50% Off
Valid until: 27th November
Offer: Black Friday Real Deals! Up To 60% Off Valid until: 27th November
Offer: Save up to 50% off
Valid until: 27th November
Bensons for Beds
Offer: Black Friday! …
Iceland is giving its Bonus Card holders an extra bonus of £1 cash to spend in store for every £10 they load on the card for the next two weeks to help them with their Christmas shopping.
The Iceland Bonus Card allows shoppers to load money to the card in order to spread the cost of special occasions, such as Christmas, and get excellent ‘bonuses’ from Iceland.
‘Save for Christmas’ is available in addition to already excellent rewards shoppers can get from the standard Bonus Card rewards – a £1 bonus for every £20 loaded on the card.
Card-holders can make good money in the next two weeks:
- If a customer loads £20 of savings to their Bonus Card between 16th to 29th October, they will get a £3 bonus (that’s the usual £1
This was the topic of a session at finance bloggers event The Shomos a couple of weeks ago. A panel discussion included a representative from James from Vanguard, Mike from 7 Circles, Mrs Mummypenny, Lynne James and Faith Archer from Much more with Less.
Scarely, 1/4 of adults have less than £100 savings, unlike most money bloggers who have emergency fund, pensions and some have stocks and shares.
The reasons why people are not saving include poor interest rates, the global financial crisis and some debt that needs to be paid off, which takes priority.
The chap from Vanguard tried to offer an alternative, but said that barriers to entry to saving via investing include perceived complexity and the cost of investment. Vanguard offers index trackers and wants to lower the …
I went to the money saving bloggers event last week and met the team from Yolt, an app that helps consumers to benefit from open banking and aims to change our attitude to money. It’s bank agnostic and provides one view of financials.
Money is the root of all evil, apparently. Unfortunately, most of us in the UK, don’t have savings to cover three month emergency period. Some people don’t have the income to allow them to save, and others are simply not interested in saving.
Sometimes we’re irrational when it comes to money, and don’t really know the true value of products/services we buy. There’s this thing called anchoring you see. It’s used by restaurants for example, where there is a high price of wine or dish, and basically when you see the price, …
As a recipient of financial help from my parents for our children, I liked this research so thought I’d share it.
At a time when estate agents are warning that house price affordability is reaching a crisis point it seems that more people are turning to their grandparents in order to get a foot on the property ladder. The Bank of Gran and Grandad has donated a total of over £37bn in funds to their grandchildren and one in ten grandparents say this money was to be spent on a deposit for a house.
The generous donations look set to continue as the research from Saga shows that a further third of grandparents are still considering or intending to give a financial gift and one in ten are considering lending money to grandchildren. The typical …