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Top tips on keeping your money safe while at university
Thousands of students will see their bank balance jump to four figures recently as the first instalment of their student loan lands. For many it’s likely to be the most money they’ve ever received so it’s important that they take steps to protect it. Students can easily find themselves a target to fraudsters and already HMRC has warned those beginning a new term to be on the lookout for suspicious emails. Tom Clementson, Director of Consumer at secure payments solution Shieldpay, shares his top tips on how students can keep their money safe.
1. Cut down on cards on a night out
You aren’t going to need all your cards with you on a night out. Think about taking cash out or use a top-up card which can be loaded up with how much you… -
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How to start a retail-based website on a limited budget
Many of us have nurtured the dream of starting an online retail business from home. If this is the case, why have so few actually followed through to the point when such a vision was ultimately realised?
While there are many answers to this question, one of the most common and seemingly insurmountable involves limited finances. The majority of would-be freelancers are still under the misconception that such ventures require a great deal of money. You will therefore be happy to learn that this is no longer the case. In fact, some have even created highly successful retail websites for the equivalent of what a daily cup of coffee would cost. If you are still somewhat incredulous, this is quite understandable. Let’s take a look at how times have changed as well as why financial …
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Saving money for a hard up millennial
Born from the early 1980s to mid 1990s, then you’re termed as a milennial and at the moment you may be finding it hard to save for that house deposit, as rent is so high and you’ve not reached your full earning potential. With that in mind, here is a list of ways you can save money.
Thrifty in office hours
- Commuting is one of the biggest costs for workers. Why not ask for an interest-free season ticket loan, or if you can work flexibly to avoid expensive peak time travel.
- If working in London, combine your Oyster card with the 16-25 Railcard to get a one-third discount on off-peak travel on the tube, overground and DLR network (after 10am during the week and all day at the weekends).
- You can only do this in
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NHS staff can stay free overnight in a UK hotel between now and Christmas
Hallmark Hotels are celebrating the 70th anniversary of the NHS by offering NHS staff a free night’s stay till Christmas Eve 2018.
The hotel chain has 22 hotels where NHS staff can stay for free for the remainder of 2018.
Many of these hotels have spas, golf courses and great restaurants to dine in.
The offer will be valid until Christmas Eve 2018, and the free overnight stay can be taken any Sunday evening when NHS staff spend £50 on food and drink in the hotels’ bars and restaurants.
Take for example, the hotel in Manchester you can stay at is the Hallmark Hotel in Wimslow, Cheshire not far from the airport.
The Hallmark Hotel Manchester has a leisure club for staying guests with a 20 meter indoor pool, Swedish sauna, steam room and jacuzzi.…
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10% off at Iceland for workers from emergency services for Christmas
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 …
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Young persons railcard valid for people up to 30 from 2018
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 …
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Bank of Gran and Grandad deposits over £37 billion to help grandchildren
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 …
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Two pizzas or cinema tickets for £5 worth of Nectar points
Hotter than a British summer heatwave, the Nectar Summer Rewards offer in partnership with Sainsbury’s is running till 8 August, giving cardholders the chance to enjoy two pizzas at PizzaExpress or two cinema tickets for Vue for just £5-worth* of Nectar points (1,000 points).
Cardholders can make the most of the Nectar Summer Rewards offer to treat themselves to some of this year’s most anticipated movie releases, including Spider-Man: Homecoming and Cars 3, or tuck into a freshly baked pizza from PizzaExpress’ extensive menu.
Turning points into a trip to the cinema or a delicious meal couldn’t be easier – simply go into the nearest Sainsbury’s superstore to exchange 1,000 points* for a Nectar Summer Rewards voucher. Those with the Nectar app can also redeem this offer simply by tapping whilst on the move. …
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Top tips on how to be an economical and environmentally-friendly driver
I bought my car because it gives out low carbon emissions, but to my horror it’s a diesel and now they are not great in terms of air pollution, so I am very interested in eco-driving as it can save the environment and us all money – both in terms of fuel consumption and wear and tear to our cars. According to a study by Fiat (which included 5,700 drivers in five countries), eco-driving saves an average of 15% of fuel costs and greatly reduces maintenance expenses.
There could be enormous benefits to the environment too, as air pollution in the form of emissions could be reduced significantly. The European Climate Change Programme calculated a reduction potential of at least 50 million tons of CO2-emissions in Europe, which could save as much as 20 billion …
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Five ways to save money when eating out
With a whole host of fantastic eateries in the UK providing an abundance of delicious cuisines right on our doorstep, is it any wonder that the average Brit now eats out twice a week¹?
Matt Turner, Founder and CEO of tastecard, the UK’s largest dining club, shares his top tips on the best ways to save money when eating out:
Do your research when it comes to discount cards
If you’re feeling extra thrifty, do your research and find out about nifty dining discount cards such as a tastecard, which eases the strain on your wallet and makes regular dining out affordable.
A tastecard offers members 50% off or 2 for 1 off the total food bill, meaning it should most definitely take pride of place in your purse or wallet.
New restaurant openings …
