Author Archives: Roxana

B&M Black Friday 2019 – here are the best deals to look out for

B&M has confirmed it will be dropping some amazing offers for Black Friday once again this year.

Last year’s huge sale included some incredible deals on toys and tech, and we expect some more great bargains this year.

B&M have over 600 stores across the UK
Alamy

B&M’s Black Friday page hasn’t launched quite yet, but best to keep an eye for when it does launch.

Last year, the page was updated daily with all kinds of Black Friday deals and discounts.

This year’s sale is set to run from Friday 29 November until Sunday 31 November.

Our tips for finding the best deals this Black Friday

IT might be tempting to dive in and snap up LOADS of items on Black Friday and Cyber Monday, but here’s how you can guarantee you’re getting a good deal.

PREPARE Research the items you want to buy and find out the cheapest price. Websites like PriceSpy, PriceHistory and CamelCamelCamel will give you historical data on prices so you can see how much you should pay.

GET FOLLOWING Follow your favourite shops on Twitter, Facebook and Instagram and sign up to its deals newsletter to get the latest on any offers. We post the best deals in our Sun Money FB group too.

EARN CASHBACK Check websites like Quidco and TopCashback BEFORE you place your order. Cashback websites PAY you to shop. All you have to do is click through their links and the money is added to your online account, usually within 14 days.

CHECK FOR CODES Take a look at The Sun Vouchers, and see if you can get extra savings with discount codes.

 

Sadly, you can’t order online from B&M, so you’ll have to visit your nearest B&M store to get those Black Friday deals.

But, you can arrange delivery for larger items – just ask in store for details.

You can use their store finder to find your closest B&M.

What’s in B&M’s Black Friday 2019 sale?

The products included in this years sale are yet to be released.

But here are some of last year’s deals to give you an idea of what could be on offer.

What was in the B&M Black Friday sale in 2018?

Tech

  • Dyson V6 Trigger – £99
  • Tower Air Fryer – £20
  • Amazon Alexa Speaker – £39
  • LG 4K Ultra HD TV 43″ – £299
  • Black & Decker Cordless Vacuum – £39
  • Dolce Gusto Coffee Machine – £30
  • Tefal Actifry – £79

Toys

  • Barbie Ultimate Kitchen – was £44.99, now £36 (save £5.99)
  • Polly Pocket Room – was £29.99, now £25 (save £4.99)
  • Tickle Me Elmo – was £24.99, now £20 (save £4.99)
  • Cookie Monster – was £24.99, now £20 (save £4.99)
  • Avengers Track Set – was £19.99, now £15 (save £4.99)

B&M is of course not the only retailer that’s expected to slash the cost of products across these categories.

We’ll be updating our website with plenty of great deals and tips as the big day approaches.


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https://www.thesun.co.uk/money/10107409/bm-black-friday-2019-the-best-deals-to-look-out-for/

Pregnant mums face up to 12-WEEK wait for backlogged maternity allowance payments

PREGNANT mums face a “disgusting” up to 12-week wait for maternity allowance payments as the government struggles to deal with a backlog of claims.

It’s left families without cash to cover bills and rent and worrying about how to buy things for their new babies at a time when they should be happy and excited.

Katie Heard
Katie has had to put £1,000 on credit cards while waiting for her maternity allowance to start
Katie Heard

Katie Heard, 30, from Hampshire told The Sun that she’s wracked up £1,000 on credit cards to pay for food and bills after struggling to manage on just her husband’s salary after she went on maternity leave from her job as a barista.

“It’s been very difficult,” she said. “My husband works but when one of you leave your job it’s very difficult to manage on one salary.

“You need the money for bills, car insurance, food – things that you normally take for granted – and then it’s taken away from you.

“I lost the plot this week as my baby is due on Monday. I was on the phone to the helpline for 12 hours in tears. How do they expect people to just manage? It’s disgusting.”

What is maternity allowance?

MATERNITY allowance is a payment from the Department for Work and Pensions (DWP) to women who don't qualify for statutory maternity pay.

This is typically because they’re self-employed or they haven’t built up enough entitlement to statutory pay through working.

You can either get:

  • £148.68 a week or 90 per cent of your average weekly earnings (whichever is less) for 39 weeks
  • £27 a week for 39 weeks
  • £27 a week for 14 weeks.

How much you get depends on how many national insurance credits you’ve built up through working.

Read our guide for more on how statutory maternity pay works.


Katie, who already has a three-year-old daughter and is now expecting a boy, says she submitted her claim to the Department for Work and Pensions (DWP) on July 22 with a requested start date of September 1, as that’s when her maternity leave was due to start.

She couldn’t claim at 26 weeks, which is when claims open, as she had first applied to her employer for statutory maternity pay only to have to wait a few weeks for her request to be turned down.

But seven weeks on, and with her baby due to be born on Monday October 14, Katie says she’s been told her case won’t be looked into until October 16.

She’s just grateful to have been able to turn to emergency savings and been able to use credit cards in the meantime. She’s also this week been given a £300 emergency advance from the government to help her get by.

When can you claim maternity allowance?

Sarah Dee
Sarah Dee is worried about how the family will get by due to the delay in receiving maternity allowance
Sarah Dee

You can claim maternity allowance as soon as you’ve been pregnant for 26 weeks and payments can start 11 weeks before your baby is due.

A Freedom of Information (FOI) request by mortgage broker John Charcol earlier this year revealed there were 127,400 successful maternity allowance claims filed by self-employed mums between January 1, 2013 and December 1, 2017 – although it’s thought three in ten are still missing out.

But while the DWP says it typically take up to eight weeks to process payments, it admits it’s currently taking up to 12 weeks – and some mums say it’s taking even longer.

Sarah Dee’s first baby is due in December after three year’s of trying to get pregnant with her fiancee, 36.

The 35-year-old from Newcastle works as a contractor in the finance industry, which means she’s not entitled to statutory maternity pay.

But despite submitting her maternity allowance claim on September 16 – three and a half weeks ago – she has no idea when her application will be processed.

She says she’s received mixed messages with an automated text on September 26 saying there was an eight week wait, an automated phone line advising of a 14-week wait, and an adviser saying there was a 12-week wait.

Sarah says she’s extremely worried about the delay as she’s planning on taking maternity leave sooner than planned due to ill health from the pregnancy.

What can I do if I'm waiting for cash?

THE first thing to do if you're struggling while you wait for maternity allowance is to call the Department for Work and Pensions.

The maternity allowance helpline can be reached on 0800 169 0283. 

The Department for Work and Pensions has confirmed that it will fast-track emergency advance payments where necessary although we’re waiting on confirmation on what circumstances this will be paid in. 

If you don’t qualify for the advance on your maternity allowance, those on certain benefits may qualify for a budgeting loan from the government or a Universal Credit advance – although these both have to be repaid.

Alternatively, you may want to consider taking out an interest-free credit card to pay for things in the meantime, but only do this if you’re sure you can meet the minimum repayments each month.

Also use an elgibility checking tool, such as this one on MoneySavingExpert.com, to ensure you know how likely you are to qualify for a card without damaging your credit score. 

When you do finally get your allowance, it will be backdated to the date that people are eligible from and paid in one lump-sum.

She told The Sun: “My partner is now putting in 12- to 14-hour shifts to try and get us enough to live on and to get through Christmas.

“I have been off work for three weeks with severe pain but need to go back next week to try and get some money together.

“This is our first Christmas with our new baby and have no idea how we will afford it. I have never felt so stressed and scared at a time I should be focusing on my baby coming and celebrating that time.”

And sadly Sarah isn’t alone, one mum called Lynsey tweeted: “I became #freelance after my daughter was born because it was the best way to financially support my family.

“Now being punished for this decision while waiting for my second child, and will have zero income for 14 weeks. #MaternityAllowance is a joke.”

Sarah Dee
Sarah says she should feel excited about her pregnancy but she’s worried and scared
Sarah Dee

Another wrote: “Find it infuriating that @HMRCgovuk is tweeting about financial support and advice for people while loads of mums are being left struggling because there is a 12 WEEK wait for maternity allowance applications. Absolute disgrace.”

Someone else called Leyla added: “My baby is four weeks old tomorrow and I’m still waiting for my #maternityallowance! #backlog”

Another wrote: “@DWP is the most incompetent department! Processing maternity allowance claims are taking 12 weeks not eight and you can’t send off a claim until 11 weeks before how does that work?

“How am I supposed to pay rent at the end of the month? Backdating doesn’t help that does it?”

 

Mums on Twitter have been complaining about the delays to their maternity payments

Rosalind Bragg, director of charity Maternity Action says it’s had a spike in calls from worried mums who’ve been told there’s a 12-week wait for cash.

She told The Sun: “We raised the issue of these delays with DWP policy officials several weeks ago, but have not received any substantive response to date.

“Given the purpose of maternity entitlements such as maternity allowance, it is simply unacceptable that pregnant women who qualify are experiencing such prolonged delay in the processing of their claim, and that some women are giving birth and starting maternity leave without any financial support in place.

“We have therefore written to the Secretary of State for Work and Pensions, Thérèse Coffey MP, asking her to take urgent remedial action to bring decision times down to the target of just under five weeks.”

DWP says when you do finally get your allowance, it will be backdated to the date that people are eligible from and paid in one lump-sum.

It adds that people can ring the helpline on 0800 169 0283 to request fast-track emergency payments in the meantime – these will be advances of any maternity allowance you’re due to get.

The department blames the delay on under-staffing.

A spokesperson added: “We understand how important this financial support is for new parents and are sorry for the delays some are currently experiencing.

“We are putting more staff in place to speed up the process and are fast tracking emergency cases.

“You can apply 14 weeks before the week in which your baby is born, so we urge people to apply as soon as they are eligible.”

Here’s everything you need to know about maternity allowance.

And it’s important you claim after research found that three in ten mums may be missing out.

Plus, here’s what you need to know about statutory maternity pay.


We pay for your stories! Do you have a story for The Sun Online Money team? Email us at money@the-sun.co.uk


https://www.thesun.co.uk/money/10115296/pregnant-mums-twelve-week-wait-maternity-allowance/

Iceland is selling McCain UNICORN-shaped potatoes for £1 and they’re perfect for kids

PARENTS who struggle to get little ones to eat any veg might want to head down to Iceland as it’s going to be selling UNICORN-shaped potato pieces.

The crispy treats have been created by McCain and will be sold exclusively in store and online at Iceland from October 16.

McCain's new unicorn potatoes
Iceland

McCains new unicorn potatoes could be a good way to get your kids to eat veg[/caption]

Just like McCain’s infamous potato Smiley faces it’s just the unicorn’s head you’ll see in potato form, including its distinctive horn.

So you might want to get creative with other veg to create a magical scene on your dinner plate.

A 454g bag will set you back just £1 for the mash potato filled treats that can be cooked from frozen.

And that’s even cheaper than McCain Smiles, which cost 19p more at £1.19 for the same sized 454g bag online at Iceland.

McCain’s new unicorn potatoes will cost £1 in Iceland

We couldn’t find unicorn-shaped frozen potato sides being sold at any other major retailer.

But you could get twice as much for your money with potato waffles, which are similar – Iceland’s own-brand version costs £1 for a 908g box of 12.

You could also get a pack of frozen mash from Iceland for £1 for a 908g bag.

Before you scoff the lot, bear in mind than 100g of the unicorns contains 225 calories once baked in the oven, which is more than the 193 calories in the same amount of Smiles.

An adult man should eat around 2,500 calories a day, while it’s 2,000 for a woman, according to NHS guidelines.

The new potatoes could be the perfect accompaniment to Iceland’s £2 Bernard Matthews turkey unicorns.

While for dessert, you could enjoy Home Bargains’ unicorn ice cream.

And it could all be washed down with a unicorn gin – as long as you’re over 18 of course.


We pay for your stories! Do you have a story for The Sun Online Money team? Email us at money@the-sun.co.uk


https://www.thesun.co.uk/money/10099280/iceland-selling-mccain-unicorn-potatoes/

Pizza Express debt: fears chain could be next to go into administration as it ‘brings in emergency advisers’ ahead of crisis talks

PIZZA Express has reportedly hired advisers to help fix its debt bill, sparking fears that it could be the next chain to collapse.

The restaurant chain ended last year with a whopping £1,122.5million debt after a pre-tax loss of £55million, according to its latest annual report.

Pizza express is in debt
Pizza is struggling with a debt pile amounting to more than £1.1BILLION
PA:Press Association

This is up by £45million compared to its £1,077.4million debt pile for the previous year.

Of its £1.1billion debt bill, £465million is due to be repaid by August 2021 and another £200million a year later.

The other £467million is a loan from the parent company that doesn’t have to be repaid.

As a result, the chain has now hired financial adviser Houlihan Lokey Inc to help it prepare for talks with creditors, reports Bloomberg.

Pizza Express has been hit by increasing rates and rents, on top of a struggling high street.

It is believed that the chain can afford it debts with no store closures on the cards, although financial adviser Langton Capital wrote on Twitter that its £1.6million debt per restaurant is “not sustainable”.

While correspondent Ed Cumming wrote: “None of Pizza Express’s recent innovations has addressed three big problems: they discounted too heavily in Groupon era, kids love Nando’s, and there is better pizza for half the price at Franco Manca, Pilgrims etc.

“Can’t run 500 sites on nostalgia alone.”

Chris Field, chairman of Retail Connections and independent retail analyst, told The Sun what was once “the darling of the casual dining scene” has struggled to keep up with the changing sector.

He said: “There are too many restaurant chains out there generally, so the market is already tough.

“Add to this the squeeze on consumer spending, declining footfall on the High Street and the spiralling cost of rates and rents and even Pizza Express isn’t immune to the challenges of the current trading conditions.

“There are also a whole bunch of new kids on the block prepared to shake things up and try something new in casual dining, which has left Pizza Express behind and it may be too late to catch up.

“Food is becoming like fashion; if you don’t keep up, then you may be going down – and possibly out.”

Pizza Express was launched in London in 1965 by restaurateur Peter Boizot and in 2014 it was bought by Hony Capital, a Chinese private equity group.

Today it has over 490 restaurants across the UK and Ireland, as well as over 100 sites worldwide. Use its store locator tool to find your nearest branch.

The Sun contacted Pizza Express, which said it “doesn’t comment on speculation”.

Houlihan Lokey also declined to comment.

It’s a tough time for restaurant chains, with celebrity chef Jamie Oliver announcing in May that his restaurant empire had collapsed and all 23 of his Jamie’s Italian restaurants would be closing.

Last year, Prezzo also confirmed it will close 94 branches affecting 1,000 staff members.

And Gourmet Burger Kitchen (GBK) announced plans to close 17 branches late last year.


We pay for your stories! Do you have a story for The Sun Online Money team? Email us at money@the-sun.co.uk


https://www.thesun.co.uk/money/10082700/pizza-express-debt-administration-emergency-advisers/

Thank your grandparents for all they do with these great ideas to spoil them on National Grandparents Day

IT is National Grandparents Day – a chance to thank them for all the times they take care of us.

But don’t fret if you didn’t realise. There is still plenty of time to spoil them. Here some great ideas that won’t break the bank.

Getty – Contributor

Thank your grandparents for all they do with these great ideas for National Grandparents Day[/caption]

OLD FAVOURITES: Who doesn’t love a helping of Italian comfort food? Treat your grandparents for less by heading to Bella Italia, where there is two-for-one on mains for grans and gramps today. Grandparents can choose from any of their favourite dishes, including tagliatelle capra and pizza gamberoni. You get one free main when bought with a full-price adult main. For more information visit bellaitalia.co.uk.

CHOC A LOT TO GIVE: Grandmas and grandads everywhere appreciate a box of chocolates. Cadbury Roses are a sure hit — and you can grab a box for just £4 at Tesco, down from £5.If your folks prefer Thorntons, boxes of Thorntons Moments are currently £2.50 at Tesco, down from £4.
SAVING: up to £1.50

WELL DESERVED DATE: Many pensioners are careful when it comes to their funds, but would love a day out without the stress of forking out. Consider giving the gift of a date or dinner for two. Groupon.co.uk has some fantastic deals across the country. I found a great offer for a champagne afternoon tea for just £49 for two, down from £98 — sure to go down a treat.
SAVING: £49

NO-TROUBLE BUBBLES: Toast your grandparents with a glass (or two) of bubbles — and you don’t have to fork out a fortune for a decent drop. I love Veuve Monsigny Champagne Brut, £12.49 at Aldi. The award-winning bubbly is crispy, light, super-tasty — and saves a fortune compared to bigger brands such as Veuve Clicquot Brut Yellow Label Champagne, £39 at Tesco.
SAVING: £26.51

  • Prices are correct at time of going to press. Deals and offers are subject to availability.

Deal of the day

Visit Morrisons to get two hot continental breakfasts and two juices for only £11.99

KICK-START your Sunday with the new Weekend Special cafe deal at Morrisons. Get two hot or continental breakfasts and two juices for £11.99.

SAVE: up to £4.91

Cheap treat

You can now save £2 when buying Two Gastro Sea Salt and Black Pepper Dusted Basa Fillets from Tesco

ENJOY a weekend fakeaway with a fish ’n’ chip supper. Head to Tesco to pick up Two Gastro Sea Salt and Black Pepper Dusted Basa Fillets for £2, down from £4.

SAVE: £2

My Sun Savers fiver

STUART ADEY, from Sheffield, says: “I’m saving my Sun Savers fivers up to buy my wife a warm winter coat.”

Tell me your Sun Saver fiver stories at sunsavers.co.uk/fivers and get 28 codes, worth £5, if we print yours here. Please include your name and where you live.

Top swap

Why spend £139 on this GHD straightening brush…
…when you can buy this one from George at Asda for only £10

I LIKE the £139 straightening brush from GHD, above, but a similar one from George at Asda, below, is just £10.

SAVE: £129

Reader’s saving tip

JANET FRANCOIS, from Blackpool, says: “Put your favourite recipes from mags in a scrapbook. It’s much cheaper than buying expensive cookery books.”

Tell me your top money-saving tips at sunsavers.co.uk/tips and get 28 codes, worth £5, if yours is used here. Include your name and town.

Shop & save

Enjoy half price on these delicious Halo Top Birthday Cake Ice Creams

SNAP up a box of three Halo Top Birthday Cake Ice Creams for £2.50, down from £5 at Sainsbury’s. Delicious.

SAVE: £2.50

Play now to win £50,000 on the Sun Savers Raffle

JOIN thousands of readers taking part in the new Sun Savers Raffle.

Every Sun Savers code you enter will earn you a ticket for our £50k monthly Raffle. And for every ten tickets you collect in a calendar month, you get a

GOLDEN TICKET for our £80k Raffle, which takes place every three months.

Join thousands of readers taking part in the new Sun Savers Raffle
Join thousands of readers taking part in the new Sun Savers Raffle

There is no limit to how many tickets you can collect. So the more you enter, the better your chances.

To take part go to sunsavers.co.uk or open the Sun Savers app. Then opt in to each month’s Raffle by clicking “Yes!” when prompted and start collecting the Sun Savers codes printed daily in the paper.

Every time you scan or enter a code into Sun Savers, you get a Raffle ticket in the £50k Raffle.

Not yet a Sun Savers member? Just go to sunsavers.co.uk or find “Sun Savers” in the app store to get started.

Fancy a free fiver?

YOU can get FREE cash with super Sun Savers just for buying your favourite paper.

Our brilliant new rewards club will pay back our most loyal readers.

Just pick up the paper each day to collect your Sun Savers codes and we will GIVE YOU £5 when you have ­collected 28.

This isn’t a one-off and there is no limit to how much cash you can save.

For every 28 codes you enter, we will give you a fiver. So over the course of a year, that could add up to £65.

We are keeping it super-simple. You don’t have to enter codes from consecutive days, so don’t worry if you forget a day or two.

Download our easy Sun Savers app and quickly scan your code using your smartphone. Or go online and enter your code at sunsavers.co.uk.

To get you on your way, join today and we will put a bonus £1 in your Sun Savers wallet tomorrow. And the good news doesn’t stop with free cash.

With Sun Savers, we give you the best hacks, deals and tips to save money every single day.

TO JOIN: Don’t worry, folks — joining takes just 30 seconds, in three steps.

  • PRICES correct at time of going to press. Deals and offers subject to availability.


https://www.thesun.co.uk/money/10075141/national-grandparents-day-saving-tips/

Automatic home and car insurance price rises could be banned as 6million ripped off every year

MILLIONS of home and car insurance customers could be protected from price hikes at their annual renewal under new plans.

The Financial Conduct Authority (FCA) says it’s considering banning or restricting price rises for customers who renew year on year.

Couple looking at laptop and documents
6million insurance customers are being ripped off
Getty – Contributor

It may also force firms to automatically move car and home insurance customers onto cheaper equivalent deals at renewal.

The proposals come after the city watchdog found that 6million policyholders could save a collective £1.2billion a year if they paid the average premium for their risk.

And this includes one in three people who are potentially vulnerable, for example because they are less financially savvy.

In particular, combined contents and building insurance policyholders with incomes of under £30,000 a year were found to pay more than those with higher incomes.

Because of this, the FCA is also considering restricting the way insurers auto-renew customers when their policy ends, and looking at whether firms should publish information about price differences between customers.

It found insurers often sell policies at a discount to new customers and then increase premiums when customers renew, targeting hikes at those less likely to switch.

And when firms set a price, they even include their expectations of whether a customer will switch or if they can get away with charging more – something that’s not made clear to policyholders.

How to make sure you're not being penalised for being loyal

THE best way to beat the loyalty premium is to check if you can switch and save.

These are some of the best websites to use to find a better deal on your provider. Remember though, if you are thinking about switching before your term is up then you could face an early exit fee.

But while switching often leads to better deals, the FCA found insurers “raise barriers” to prevent this, while some people who switch still pay higher prices.

Christopher Woolard, executive director of strategy and competition at the FCA, said: “This market is not working well for all consumers.

“While a large number of people shop around, many loyal customers are not getting a good deal. We believe this affects around 6million consumers.

“We have set out a package of potential remedies to ensure these markets are truly competitive and address the problems we have uncovered. We expect the industry to work with us as we do so.”

A final report and consultation is expected to be published in the first three months of 2020, although the FCA says it doesn’t know yet when the changed will actually take force.

It’s focused on home and car insurance as these are the most commonly held insurance products but the FCA says it will take on board the findings for other insurance products, such as pet and travel.

What is the loyalty penalty?

Charity Citizens Advice submitted a super complaint on the so-called “loyalty penalty” last year, which prompted the Competition and Markets Authority to tell the insurance, savings, mortgage and telecoms industries to clean up their acts.

Chief executive of Citizens Advice, Gillian Guy, said: “It’s great to see the FCA acknowledging that the insurance market isn’t working for consumers and pledging to crack down on the loyalty penalty.

“We’re especially happy to hear the regulator say that everything is on the table to make sure customers are getting a fair deal.

“But at the moment these are just proposals. The FCA must now follow through on these bold ideas to stop loyal insurance customers being penalised.”

The FCA is still working through its proposals to prevent cash savings customers and mortgage borrowers from paying over the odds.

When it comes to broadband, BT and Sky have pledged to cap broadband prices for loyal customers from next March.

While TalkTalk has promised to automatically switch vulnerable customers to the best deal as well as capping price increases for existing customers to the annual rate of inflation.

And vulnerable Virgin Media customers will soon be automatically moved on to cheaper deals or have prices frozen.

It comes as recent research found that drivers are being charged up to £367 more by car dealers for insurance add-ons.

And did you know that putting a sticker of your football team’s logo on your car could make your insurance worthless?

But Martin Lewis explains how to slash £100s off car insurance renewals by skipping comparison sites.


We pay for your stories! Do you have a story for The Sun Online Money team? Email us at money@the-sun.co.uk


https://www.thesun.co.uk/money/10064581/home-car-insurance-price-hikes-banned-renewal/

Sainsbury’s rolls out new Nectar card scheme giving shoppers personalised offers to boost points

SAINSBURY’S is rolling out its new Nectar scheme nationwide after trials in Wales and the Isle of Wight.

It gives shoppers personalised offers to boost points, on top of earning one point for every £1 spend.

Sainsbury’s is rolling out its new Nectar scheme nationwide from today
Alamy

A couple of weeks ago we reported that the scheme had been extended around the country, but at the time Sainsbury’s didn’t want to share any details.

But it’s now revealed that the new scheme will roll out across the country from today.

Under the scheme, customers are sent a range of points-boosting offers based on their shopping habits every Friday, which you’ll then be able to collect when you buy them.

Shoppers can view all of their tailored offers on the website or app, where they can “save” the ones they want to use before shopping.

To enjoy personalised offers, new customers need to register using the Nectar app or through the New Nectar website, while existing digital customers simply have to update the app.

The free app is available for both iPhone and Android users.

Here's how to cut the cost of your grocery shop

SAVING on your shop can make a big difference to your wallet. Here are some tips from Hannah Maundrell, editor of Money.co.uk, about how you can cut the cost of your shopping bills:

  • Write yourself a list – Only buy items that you need. If it isn’t on your list, don’t put it in the trolley
  • Create a budget – Work out a weekly budget for your food shopping
  • Never shop hungry – you are far more likely to buy  more food if your tummy is rumbling
  • Don’t buy pre-chopped veggies or fruit – The extra they’ll charge for chopping can be eye watering
  • Use social media – follow your favourite retailers to find out about the latest deals
  • Be disloyal – You may want to go to different stores to find the best bargains
  • Check the small print –  It’s always worth checking the price per kg/lb/litre when comparing offers so you’re making a like for like decision as a bigger box won’t necessarily mean you get more
  • Use your loyalty cards – Don’t be afraid to sign up to them all. They all work slightly differently – work out what bonus suits you better and remember to trade in your points for additional rewards

There’s no need to use a plastic card as shoppers can scan the app while in store, although those who prefer the physical card will still be able to collect points on it.

In addition to points offered at Sainsbury’s, customers will continue to be able to boost their points by spending them at almost 400 retailers including Argos, Next and Topshop.

The points will also still have the same value, where shoppers get £2.50 in Sainsbury’s for every 500 points.

The loyalty card scheme might sound like a good idea, but make sure you don’t fall into the trap of shopping at only one supermarket for the loyalty points because you might be able to get better deals elsewhere.

James Moir, managing director of Nectar, said: “We’re delighted to be unveiling a new world of Nectar to our customers, making it easier than ever before for them to get the most out of our hundreds of partners and rewards on offer.

“During the trials in Wales and the Isle of Wight, we listened to what our customers wanted and how they like to receive offers, in an increasingly digitised world.

“This led us to a change in direction for the Nectar scheme, enabling our customers to have a much more personalised experience with offers that are completely unique to them.”

A few weeks sago, a mum revealed how to receive Sainsbury’s Nectar card vouchers BEFORE doing your shop.

As of this month, Nectar customers can also use their points to buy or rent Sky movies and box-sets even if you don’t pay for a subscription.

Plus, here’s all you need to know about Nectar and when Sainsbury’s took over the scheme.


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https://www.thesun.co.uk/money/10044743/sainsburys-new-nectar-card-scheme-giving-personalised-offers/

Prepare for the big chill with the best deals to get your wardrobe ready for winter – plus win £50k on the Sun Savers Raffle

EASTLY temperatures are set to hit our shores again.

Experts warn this coming winter could be the most severe Britain has seen in decades — worse even than when the “Beast from the East” hit us last year.

Getty – Contributor

We’ve got the best deals to get your wardrobe winter ready[/caption]

So I found some great savings to kit you out from head-to-toe — without breaking the bank . . .

  • Get ahead. Brain-freeze is definitely a thing, even without eating an ice-cream. Keep warm with some cosy headgear, such as a woolly bobble-hat from New Look at £7.99. Primark has a range starting at just £2.50.
    SAVE: Up to £5.49
  • Jump to it. Chunky knits are always on my shopping list. For a heart-warming saving head to H&M, where an oversized polo neck jumper is £24.99. I love the F&F range at Tesco, where you can get polo-necks from £12.
    SAVE: From £12.99
  • Parka life. As temperatures drop, a warm coat is a must. A silver borg-lined parka with faux fur trim is a steal at £26 from Asda. It should keep you snug in the worst weather. And Asos has a traditional parka in khaki for £27, down from £54.99.
    SAVE: £27.99 on Asos parka
  • Pin number. Keeping warm does not mean looking frumpy. Spice up your winter togs with fleece-lined, leather-look leggings for £14.40 at boohoo.com, down from £18. They will keep pins toasty. If you need new joggers, Aldi has them for £2.99.
    SAVE: £3.60 on leggings
  • Hot-foot it. Boots are the top winter purchase for British women, spending £84 on average. But I found a great pair for half that price. At Sports Direct, a pair of fleece-lined SoulCal boots are £35, down from £70.
    SAVE: £35
  • PRICES correct at time of going to press. Deals and offers subject to availability.

Deal of the day

Pick up a Co-op mix-and-match four-step meal kit for two for just £6

THE Co-op has launched a mix-and-match four-step meal kit for two. It includes a protein, carbs, veg and a sauce. Pick up yours for £6.

Cheap treat

Iceland are giving you a free six six-pack of Muller Light Classic Cakes yoghurts when you buy three Slimming World meals

GET a FREE six-pack of Muller Light Classic Cakes yoghurts in Battenberg and Victoria Sponge flavours, worth £3, when you buy three Slimming World meals or meats at Iceland.
SAVE: £3

Reader's saving tips

  • DOREEN FOUNTAIN, from Chesterfield, says: “I’m saving my Sun Savers fivers for my husband’s 80th birthday and our 57th wedding anniversary.”
  • JANE ANDERSON, from Keyworth, Notts, says: “Instead of buying small plastic plant pots for my seedlings, I reuse yoghurt pots. It saves money and reduces waste.”

Send us your Savers fiver stories to www.sunsavers.co.uk/fivers and you will get 28 codes worth £5 if it is used. Please include your name and town.

Top swap

This body mist from Victoria’s Secret will set you back £15
But this version from Poundland is only £1

I LOVE Victoria’s Secret Body Mist but it costs £15 a bottle. So get Poundland’s version for just a quid.
SAVE: £14

Shop & save

Pampers baby-dry nappies essential packs are just £3.95 at Asda

PAMPERS baby-dry nappies (sizes three-five) essential packs are currently just £3.95, down from £7, at Asda.
SAVE: £3.05

Hot right now

SHOW your skin some love with 25 per cent off at wakeskincare.com using the code WAKE25.

Play now to win £50,000 on the Sun Savers Raffle

JOIN thousands of readers taking part in the new Sun Savers Raffle.

Every Sun Savers code you enter will earn you a ticket for our £50k monthly Raffle. And for every ten tickets you collect in a calendar month, you get a

GOLDEN TICKET for our £80k Raffle, which takes place every three months.

Join thousands of readers taking part in the new Sun Savers Raffle
Join thousands of readers taking part in the new Sun Savers Raffle

There is no limit to how many tickets you can collect. So the more you enter, the better your chances.

To take part go to sunsavers.co.uk or open the Sun Savers app. Then opt in to each month’s Raffle by clicking “Yes!” when prompted and start collecting the Sun Savers codes printed daily in the paper.

Every time you scan or enter a code into Sun Savers, you get a Raffle ticket in the £50k Raffle.

Not yet a Sun Savers member? Just go to sunsavers.co.uk or find “Sun Savers” in the app store to get started.

Fancy a free fiver?

YOU can get FREE cash with super Sun Savers just for buying your favourite paper.

Our brilliant new rewards club will pay back our most loyal readers.

Just pick up the paper each day to collect your Sun Savers codes and we will GIVE YOU £5 when you have ­collected 28.

This isn’t a one-off and there is no limit to how much cash you can save.

For every 28 codes you enter, we will give you a fiver. So over the course of a year, that could add up to £65.

We are keeping it super-simple. You don’t have to enter codes from consecutive days, so don’t worry if you forget a day or two.

Download our easy Sun Savers app and quickly scan your code using your smartphone. Or go online and enter your code at sunsavers.co.uk.

To get you on your way, join today and we will put a bonus £1 in your Sun Savers wallet tomorrow. And the good news doesn’t stop with free cash.

With Sun Savers, we give you the best hacks, deals and tips to save money every single day.

TO JOIN: Don’t worry, folks — joining takes just 30 seconds, in three steps.

  • PRICES correct at time of going to press. Deals and offers subject to availability.


 

https://www.thesun.co.uk/money/10031977/winter-clothing-deals-coats-knitwear/

Portsmouth is Britain’s new capital for OAPs — overtaking Bournemouth

MOVE over Bournemouth, south coast neighbour Portsmouth is now Britain’s retirement capital.

New research shows 5.4 per cent of properties in Pompey are specifically designed for so-called silver homebuyers, with Bournemouth in second place with 3.8 per cent of its housing stock aimed at the mature market.

Move over Bournemouth, south coast neighbour Portsmouth is now Britain's retirement capital
Alamy

Move over Bournemouth as south coast neighbour Portsmouth is now Britain’s retirement capital[/caption]

England’s south coast is living up to its image as the favourite place to live in later years with Southampton and Plymouth both closely behind.

The list, compiled by estate agent comparison site, GetAgent.co.uk, looked at the number of specialist retirement homes as a percentage of all housing stock at a time when an increasing number are being built to house the UK’s ageing population.

The south dominates the list as the warmer temperatures are considered more beneficial to older joints, with Oxford, Bristol and Cambridge all in the top ten.

Some, but not all, of Britain’s biggest cities make the list thanks to their shopping, transport and other facilities though these include Birmingham,

Cardiff, Edinburgh, Leeds, Liverpool and Newcastle rather than expensive London or busy Manchester.

Older property seekers are less likely to need cities or towns for work so many have a wider choice of location and often choose cheaper areas for property, a place near the sea or in areas with good transport links.

South coast areas, such as Bournemouth, have traditionally been associated with older residents, even becoming the subject of comedians’ material.

For instance, Lee Evans once joked that people in Bournemouth were so old that shop windows were bifocal rather than double glazed.

But the research also found that the fastest growing demand for retirement property was in Edinburgh where 57 per cent of new developments for older residents were currently sold or under offer.

Founder and CEO of GetAgent.co.uk, Colby Short, said: “We tend to focus on those taking that first step on the ladder but there is, of course, a whole other segment of buyers at the other end of the property life-cycle.

“Although silver homebuyers account for a more marginal share of the market, it’s interesting to see where they are opting for when it comes to investing in their golden years and how this demand has shifted from the perhaps more traditional areas.

Previously, the trend was to move to the coast and while these areas are still home to some of the highest level of retirement properties as a result, it would seem that Edinburgh is now the most in-demand amongst buyers and in need of more retirement focussed developments.”

TOP TEN PLACES

Retirement property as % of homes

1. Portsmouth5.4%

2. Bournemouth 3.8%

3. Oxford 3.4%

4. Bristol 3.3%

5. Cambridge 3.1%

6. Southampton 3.1%

7. Plymouth 2.8%

8. Birmingham 2.7%

9. Swansea 2.7%

10 Cardiff 2.6%

Alamy Live News

New research show Bournemouth is second place with 3.8 per cent of its housing stock aimed at the mature market[/caption]



 

https://www.thesun.co.uk/money/10022889/portsmouth-britains-new-capital-oaps-overtaking-bournemouth/

Argos toy sale 2019 – when did it start, how long will it last and what’s half price?

IT’S never too early to make a start on your Christmas shopping – especially when there’s a toy sale in town.

As Argos slashes its prices on top brands such as LEGO, Barbie and L.O.L, here’s what you need to know.

There are multiple toys on sale for one week only

When did the Argos sale start?

The seven-day sale kicked off on Wednesday, September 25, both online and in stores.

Shoppers can take advantage of the offers as soon as stores open (usually from 8am or 9am, though check before you go).

If you can’t get to a store check online for the clearance offers – and you may bag yourself a Christmas bargain.

The bumper sale runs until October 1.

What’s on sale?

Many items have been cut by 50 per cent, making it ripe for some savvy shopping.

Top brands such as LOL Surprise, LEGO and Barbie are part of the sale.

Products on offer include Zinc Hover shoes (£299.99 to £149.99) and Lol Surprise! Bubbly Surprise (£30 to £15).

LEGO also includes reductions on the Minecraft Alex BigFig with Chicken Playset down from £12.99 to £4.99.


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https://www.thesun.co.uk/money/10000207/argos-toy-sale-2019-half-price/