Archive for year: 2017

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Money Saving Challenges

1p Money Saving Challenge

Take part in the 1p saving challenge and save £667.95 in 365 days without even feeling a dent in the wallet. Feel free to print any of the challenges and stick them up where you can see them to remind you to save. Read more

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Flagship Housing, their incompetence & how they show NO compassion when you lose a family member who is a tenant.

On Thursday 19th October my uncle (mums brother) passed away at his home in Newmarket. He was found by a friend. The police and were called and it was their duty to let us family know. Tony moved away from his hometown in Coventry to pursue his career as a professional Jockey many many years ago, all of his relatives reside in Coventry, almost 100 miles away. We were informed of his death on early on Friday morning (20th) and we had the heart-breaking task of informing his elderly mother, my nan.

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Christmas Gift Guide 2017

CGG17

Check out my Christmas gift guide below

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Saving Money with Plum

plum

What is Plum?plum 1

Right then, for those of you who know me personally will know that the forever sceptical in me means I don’t enter into things lightly without thoroughly researching all the pro’s/con’s and facts, particularly when it comes to banking and finance.

You may well have seen a few people offering a link to a savings brand called Plum. Intrigued, I decided to read up about it and have a look. Especially as though I am currently looking for somewhere to save my money that was accessible but not too accessible i,e like simply transferring it from one account to another on my online account. I’m also rubbish at saving so it was easier if it was done automatically without me realising. This is why I used Lloyds ‘save the change’. That was fantastic, but it was easily transferred back into my normal current account so the savings didn’t last very long. Read more

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Brighthouse Compensation – All you need to know

Brighthouse
You may have heard on the news recently that Brighthouse has been ordered by the FCA (Financial Conduct Authority) to repay £14.8 million to around 249k customers. 
I’ve been reading through some of the comments on my Facebook Group and other forums and it would appear that many people are wrongly speculating on who is to be in receipt of the compensation so I am here to set this straight.
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Who will be eligible for the refund?

As per the Brighthouse official statement, customers who find themselves matching the criteria below may be eligible for the repayment.
1) Customers who took out an agreement with BrightHouse between April 2010 and April 2017 and then either cancelled the agreement within the 14 day cooling off period, or did not take delivery of the goods, and did not receive a refund of any payments made. In these cases, we will refund all payments made under the agreement.
 
2) Customers who took out an agreement between April 2014 and September 2016 and where we have identified that our checks may not have effectively ensured that customers could afford the repayments. Where customers returned the product to BrightHouse, we will refund the interest and any fees paid under the agreement.

 How do I apply for the repayment?

Again, people have already started to pick up the phone and send emails and letters. Please, do not panic.
 Brighthouse will be contacting customers both current and previous before the end of the year if they are eligible for the refund. If your details have changed and you feel that they may not be able to get hold of you then you can contact them and provide them with your details. This process may take longer than some people are expecting so it would be worth keeping that in mind.

Is there an official announcement from Brighthouse?

 Here is a link to the Brighthouse official statement: https://www.brighthouse.co.uk/fca-statement
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Shopmium – Cashback App

Shopmium

Shopmium Cashback App is a fantastic free app that can be downloaded on your phone and is extremely easy and convenient to use. This app has an array of offers available at various stores in your local area. Many of these offers mean that you can try products for free or get a special offer that is only available by using the app.

Shopmium also allows gives the user the opportunity to try products and brands that they wouldn’t normally consider purchasing. Read more

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Ms Flow – Subscription Box Review

 Ms Flow is a Premium ladies subscription box delivered directly to your door ‘on time’ every month. The box includes an array of items that will help us girls have a happy period.

Periods can really get us down and make us feel groggy and very under the weather, not to mention the breakout of spots, oily skin, mood swings and cramping. Thats where this box comes to the rescue.

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Wombling

What is Wombling?

The term ‘wombling’ conjures up images of Uncle Bulgaria and the gang on Wimbledon Common but it’s also the name of a new money saving craze, helping shoppers to save money at the supermarket.

Wombling is where you collect up old discarded supermarket receipts from in and around the store and collecting the points left on them.

But before you start scanning the floor for discarded vouchers, the rules around how to womble are pretty grey and some supermarkets are not on board.

 Several supermarkets, such as Tesco, Morrisons and Asda, offer price guarantees. So if you shop at a rival supermarket and it’s cheaper, you’re able to claim the difference back. To do this you have to take the receipt into the shop and either scan it at the checkout or enter the code from the receipt online to get a voucher for the difference.

 At these supermarkets, if a comparable food shop at rival stores is cheaper you’ll be given a voucher for the difference plus a percentage. Different stores have their own limits.

What the womblers do is collect other people’s discarded receipts, and in essence claim the points and the cash for themselves. By doing this you can make quite a bit of money.

What can I womble from Tesco?

Typically, Club Card points are added at the point of sale. Tesco are usually happy to add them after the sale if you forgot your card. This leaves Tesco open to people claiming points from discarded receipts. If you find a receipt from Tesco and it says ‘you could have claimed — points’ then you can take the receipt to the Customer Service desk and have them add the points to your card. Obviously, you have to be a bit tactful here and perhaps claim that you forgot your card. Members who forget to do this may have their points added manually up to 14 days after the transaction upon production of a valid receipt. Points may only be claimed for up to two receipts per day.

What can I Womble from Asda?

Asda, being the leading UK Supermarket offers an APG (Asda Price Guarantee) this creates a coupon available to be claimed online if they are not the cheapest of their direct competitors (Tesco, Sainsbury’s, Morrisons, or Waitrose ) by 10%, this is then printed off and can be used in store.

All you need to do is collect your ASDA receipts, wait 3 hours and then visit the APG website which is www.asdapriceguarantee.co.uk enter TC# Number into the box shown (this number is found at the bottom or your receipt above the barcode) It will then do the rest for you. If Asda was the cheapest shop then you get nothing but if it wasn’t it will tell you how much by and then give you a voucher which you can print off. You will need to attach your receipt to the voucher and that’s it. You can use it towards your next shop.

Your shop will be available for you to compare for 28 days after you made your purchases. If you shopped online, you need to wait up to 24 hours from when your shop was delivered before you can compare it. The order will be available to compare for 28 days after the date of delivery.

 You have 28 days from the date you received a voucher after an in-store shop, or from the date your e-voucher reaches your account to use the voucher. You can use as many Asda Price Guarantee vouchers as you want when spending the vouchers in store (including other types of voucher that we accept), subject to using them within 28 days of receiving them.

If you have any issues at your local store, it is always worth printing off a copy of the T’s & C’s and have them with you to quote to any staff. Terms can be found here: https://www.asdapriceguarantee.co.uk/terms.html

What can I womble from Sainsbury?

Sainsbury brand match ended on 26th April 2016 in order to bring customers lower prices. Unfortunately, all brand match coupons had to be redeemed by the 26th April 2016 so if you still have any outstanding you would need to dispose of them. This doesn’t mean the end for saving on your shopping at Sainsbury, you can still check for unclaimed Nectar points and have them added onto your own Nectar card if you notice any. Plus, be sure to save your receipt for the receipt hog app.

Is Wombling legal?

Technically, collecting a receipt is not illegal; nor is comparing the cost of the shopping. The grey area is the bit where you redeem the difference. Since you are not explicitly claiming that receipt is yours (the websites don’t yet ask you to confirm this), you are not misleading anyone.

As of yet, there are no known cases of either Tesco or Asda refusing to honour their pledge to refund the difference, no matter who claims it. The system is automated and issues a refund voucher, which you can print off.

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