Loving today’s studio display for Valentines Day on Steph’s Packed Lunch. I’ll be nack in the Cash Clinic hot seat chatting money news with Steph.
On today’s menu we have the latest news on ‘buy now pay later’, rising credit card fraud and what you can do to protect yourself and how to beat mobile and broadband price hikes…..
Holiday prices have gone up around 30% over the last year and with rising costs – one in four of us say we can’t afford a holiday this year unless we can bag a good deal online.
Planning is the key to getting the best deal – here’s my five top tips to getting the best deal.
You may snap up a cheap ticket with a budget airline but too much luggage can bump up the bill.
There’s no ‘one size fits all’ when it comes to cabin bags (and even hold luggage) and a oversize bag at the gate can mean waving goodbye to an extra £60 of your holiday money.
Flying midweek can often trump weekend prices so be as flexible as you can with dates. Avoiding school holidays (if you can) and jetting off over bank holiday weekends can also mean cheaper tickets.
Booking a package holiday can take the hassle out of hunting for holiday accommodation and means automatic holiday protection.
If you prefer to take the DIY approach – worth looking on sites from recognised companies like Airbnb or Booking.com. Booking this way means you may get free cancellation if plans change.
Booking direct can save money. I’ve often found hotels on Booking.com but got a cheaper deal booking direct with the hotel. Sometimes it works the other way round but worth checking both options.
Watch out for scammers and holiday rip offs. When it comes to payment – always use the secure payment system on recognised booking systems – or at least pay by card. Never ever pay by bank transfer – however convincing the reason.
If you’re on a budget, paying one price for everything with an all-inclusive deal can save overspending.
This way you pay in sterling, so no exchange rates to factor in, but do check what’s included. With some resorts, buffet meals, drinks and snacks may only be available at limited times, while others may offer a choice of restaurants, bars and even watersports, trips or entertainment.
Worth thinking what you want from your trip, as all-inclusive may not always be the cheapest option.
Pack the right cards. Most credit and debit cards whack on charges for cash withdrawals and overseas spending. Two with zero fees are the Halifax Clarity credit card and Barclaycard Rewards card.
Pay in the local currency. Shops and bars may offer to switch the price back to sterling but you’ll be ripped off with the exchange rate.
And always carry some cash in case your card is refused, stolen, or you find a small shop that won’t take cards. Worth asking for some small denomination notes when getting your currency or ask friends and family if they’ve got any left from their last trip that you can buy off them.
However tight your budget – never be tempted to skimp on travel insurance.
Can cost as little as the price of a couple of drinks for a week’s policy to Europe and while we all hope we’ll never need it – worth having for peace of mind.
Check limits on medical cover and make sure you declare any pre-existing medical conditions.
Had a brilliant time yesterday filming a new TV Holiday Show for Channel 5.
Can’t say too much right now but as you might expect, there’ll be lots of tips, tricks and advice on ways to get the best deal and more power for your holiday pound. So watch this space………
Great to be back on the Cash Clinic today for a chance to chat money news with Steph.
I’ll be talking bank switching and how you can get a shiny new bank account plus £175 to boot.
And why it pays hang on to your till receipt – some stores will pop you in a free prize draw for a chance to win £1,000 of free cash – if you spend a few minutes giving them feedback!
Plus today’s money news headlines, Marriage Allowance and more – tune in if you can!
And today’s TV outfit includes an Oasis skirt I picked up on eBay and jumper from Mango (paid full price for that one!)
I was on the Jeremy Kyle show on Talk TV last with a look ahead to this week’s annual Black Friday event.
Don’t be fooled into thinking this is the last day to ever bag a bargain, or even snap up one at all. Research from consumer group Which? always shows that well over 90% of the ‘deals’ and ‘bargains’ available on Black Friday could have been bought for less at other times of the year so stay smart when you’re shopping.
Here’s an article I wrote a while back on ways to stay smart on Black Friday and much of the advice still holds!
I’m a big fan of Steph’s Packed Lunch and absolutely loved my first time on the show today chatting over the day’s money and consumer headlines with Steph.
The last time Steph and I met was on a building site for BBC Breakfast, when we were both sporting hard hats and safety goggles, for a piece talking about jobs, wages and the economy, so was great to get more glammed up on this occasion, thanks to the amazing make up team.
And the crew were so welcoming and friendly, and even brought me a toasted cheese sarnie before going on air.
I’m a big easyJet fan. The bright orange planes are always my first choice of budget airline and I’ve been travelling with them across Europe for nearly 20 years.
First time round was for a friend’s wedding in France and since then I’ve flown with them on heaps of European trips to Amsterdam, Venice, Geneva, Paris, Gibraltar, Berlin, Barcelona, Kos and closer to home with trips to Belfast, Edinburgh and Glasgow.
But budget airlines do what they say on the tin; they’ll get you there and back for a rock bottom rate, (if you book early enough), but any extras are down to you.
So here’s how to beat the budget airlines and save some cash.
No I don’t mean racing to be first in the queue at the airport.
Once booked, I stick a note in my diary to remind me when online check-in opens. With easyJet it’s 30 days before and I jump online and check in as soon as I can. So far, even with three of us, we’ve never found ourselves separated by the booking system unlike the common complaints you hear about other budget airlines.
Plus means you can print out your boarding pass well in advance of your flight. Or easier still download it to your phone to save printer nightmares or having to face extra charges if you lose your paper version on the way to the airport.
Forget hold luggage. You’ll pay for each bag on each flight and spend ages waiting for it to arrive the other end.
I pack light with a cabin bag and ready to go with no waiting around once you arrive. If it’s a beach break it’s easily done and with some clever packing you can get a fair bit in, though trickier if you’re going somewhere colder where you’ll need bulky layers or ski stuff. Or if you can’t cope without a bigger bag, book one for the hold and share it!
Yes it’s got to the stage where you pretty much need a different case for every airline, especially if you’re going to do the cabin bag trick.
Don’t second guess the size or assume you’ll make it through with a bigger one, or try and sneak on with a second bag. Ok so the ground staff don’t get down on their hands and knees and measure every bag but it’s the luck of the draw whether you’ll be asked to pop yours in the size gauge machine. And if your bag is taken off you at the gate because it’s too big it can cost you around £40.
In all the years I’ve flown with easyJet I’ve only once been asked to pop my cabin case in the size machine and that was at Majorca airport several years ago. And while I make sure my case is the right size, it has on occasion been over some of the budget airline weight limits especially on the trip home!
And while there’s no guarantee, I have ‘tested’ the ‘one bag only ‘ policy with easyJet and found you can often get away with a rucksack or shoulder bag as well as your cabin case on the return flight, especially at smaller airports if its busy. However it’s pretty much guaranteed that you’re unlikely to get away with this on your way out of the UK.
The mark up on plane grub is huge. So stock up ‘airside’ on snacks.
While even a ‘meal deal’ from Boots or bars of chocolate from the airport WH Smith may be more pricey than the cheapest deal on the high street, stocking up on snacks is still bound to save you money compared with rates in the air.
The one concession I do make is having a coffee or glass of wine (depending on the time of day!), once I’m airborne but funny enough compared with the bar prices at the airport, I’ve usually found on board ‘bar’ rates are actually pretty competitive.
Price rises are never good news, especially when they’re on the ‘essentials’ like food and energy.
For some people faced with rising prices, a spot of cutting back on spending and tightening their purse strings may make enough in the household pot to cover the extra living costs.
But if you’re already struggling to keep your head above water and any price rise, however small, is going to tip you over the financial edge and into serious debt, you need to get help.
Citizens Advice, National Debtline and StepChange are all brilliant organisations that offer free advice. And don’t put off contacting them for fear of being judged, or given a hard time as that’s not what they’re about at all. They’re there to offer free help, support and advice.
And contact your lenders too, so your mortgage lender or landlord, energy supplier, local council if you’re struggling with council tax, credit card companies and so on; basically whoever you owe money to, and find out about making reduced payments and any financial help.
If you’re on a low income, it’s worth checking you’re getting all the benefits and payments you’re due.
There’s often no ‘one size fits all’ criteria, as with some benefits the level of payment and what you’re entitled to depends on your personal circumstances.
You can plug your details into this handy free benefits calculator for a quick five minute financial check up.
Go through all your bills and if you’re out of contract on your TV package, mobile deal or gym membership, ditch it to save money, or try and haggle down the price.
When going for a ‘haggle’, always ask for ‘disconnections’ as they’re the ‘power people’ who can authorise the biggest discounts to keep you as a customer.
Switching was once my favourite moneysaving tip, but right now, certainly within the energy world, sticking with your supplier’s standard deal with the price cap is likely to be your best bet, but there’s still ways to switch and bag some cash.
Some banks offer free cash if you switch. Right now Nationwide dish out £100 to new customers switching to its FlexDirect account and it’s £130 with First Direct
Yes it’s never going to be fun bedtime reading but five minutes ‘work’ could save you some serious cash.
Check for old direct debits and standing orders you’re still paying out on. Stuff like old subscriptions for magazines you don’t read, gym memberships you don’t use, extended warranty insurance for gadgets you no longer have or even those pesky anti virus ‘auto renewal’ things. Yes I’m looking at your Norton! Once again you can haggle down the price.
I’m a big Aldi fan and having ‘consumer tested’ lots of products in their range for my magazine column I really can’t tell the difference, beyond the packaging. But what I do know is our grocery bill is so much cheaper than my usual supermarket. So well worth giving the likes of Aldi or Lidl a go, as you can save serious cash.
When it comes to Christmas presents, it’s the season of goodwill, so what happens if you’ve been given a gift you won’t use or like?
A jumper that’s too big? Too small? Or not your colour? Or maybe you’ve been given duplicate presents, like two fabulous coffee makers, but only need one?
When it comes to getting a refund or exchange on unwanted Christmas gifts, you can be at the mercy of the retailer.
Bricks and mortar stores don’t legally have to offer refunds or exchanges on unwanted items, although many do have very generous returns policies.
These are typically around 30 days, although can be far longer over Christmas, often well into the New Year.
However whether you can get a refund, exchange or gift card depends on the store’s own returns rules. Some may insist on the original receipt, or a gift receipt, while others may just be happy to see the item’s unused with the store branding on the label, wrapping or box.
Watch out with refunds. Even if stores offer refunds on unwanted goods, in most cases, they’ll only process them back on the original payment card. So unless the buyer paid cash, or comes with you to return items, you may have to accept an exchange or gift card.
These are a valuable tool, as they ‘transfer’ the buyer’s rights to the person they give the gift to. Plus it means any refund or exchange is given at the original price paid, not the current selling price, which may now be discounted by 70% in the sale.
If items are faulty, and you produce a gift receipt, you should get a refund or replacement, rather than the buyer having to return the item.
When buying online, you get a whole heap more rights than buying on the high street, and can get a full refund on unused items, simply because you change your mind.
Great if you’re the one buying, but with presents bought online, it’s the original ‘buyer’ who gets these rights. And even if you pluck up the courage to ask them to return your present, chances are post Christmas, they may be beyond any time limits set out under the Consumer Contracts Regulations.
This gives the buyer 14 days after receiving items to tell the seller they’re returning the item, and another 14 days to send it back. So if friends and family are early shoppers and snapped up your pressy way back in October, any returns limit may have long since gone.
That said, once again, always worth eamailing the retailer, to ask if you can get a swap or exchange if the item’s clearly branded.
Black Friday is a massive American import that’s now flagged up both sides of the Atlantic as an annual shopping bonanza, with stores eager to lure us in with the promise of deals and discounts in the hope we’ll splash the cash.
Before you dash out in the hope of bargain hunting, here’s my five easy ways to stay smart on Black Friday!
Most important message first – Black Friday isn’t the last day on earth to ever bag a bargain! So don’t get carried away and give yourself a financial hangover by overspending and racking up a massive credit card bill.
You know the old saying ‘all that glitters’ and all that? Yes many Black Friday deals aren’t all they’re cracked up to be.
In fact well over 90% of last year’s Black Friday deals were actually cheaper in the six months before the much hyped sales event last year according to consumer group Which?
So if you’re buying on Amazon always use its exclusive price tracker tool that number crunches prices all year round to check if today’s deal really is the best one.
Fraudsters are jumping aboard the Black Friday bandwagon, eager to rip us off and relieve us of our hard earned cash, so be on your guard for random emails with links to ‘special offers’. And if you’re expecting parcels to be delivered, don’t fall for any of the spoof texts claiming to be from the likes of DPD and Royal Mail needing payment before delivery.
Shopping online? Always make sure online sites have a padlock in the address bar and the website starts with ‘https’ to ensure they’re super secure for payment.
Saves trekking round the shops comparing prices, just pop in what you want and see who’s got the best deal with price comparison sites like Idealo and Pricespy
Remember to factor in any delivery charges, or check the minimum spend for free delivery, and check model numbers carefully on gadgets and tech. One wrong letter or number and you can be comparing prices on last year’s model instead of the newest one!
You’ve more rights buying online than in bricks and mortar stores, as you get 14 days to change your mind, plus another 14 to send stuff back.
Unless stuff’s faulty, you may be liable for return postage if you change your mind, so always check returns rules on the website before buying.
On the high street, many stores have generous ‘goodwill’ returns policies, so you may still be able to get a refund or exchange if you change your mind on an impulse purchase, but check before you buy. So hang on to that receipt – just in case!
Pay by credit card if what you’re buying costs over £100.
Means instant legal protection under Section 75 of the Consumer Credit Act, so if the company you buy from goes bust, or goods arrive faulty and the company won’t play ball, you can tap up your credit card company for a refund as ‘Section 75’ makes both the ‘supplier’ and your card company jointly liable!
Debit card payment also offers protection under the Chargeback scheme but it’s not legally binding and PayPal has its own refund scheme too.
Just make sure you never ever pay by bank transfer whatever the seller’s excuse!
Breakdown insurance can save big bills if you run into car trouble, but there’s no ‘one size fits all’ policy, so here’s the nuts and bolts of what you need to know.
When it comes to the big players of the breakdown world, the AA and RAC are the most well known, and both use their own branded patrol vehicles. There’s lots of other providers on the road including Green Flag, Start Rescue, Gem and Emergency Assist, and they usually hook up with local breakdown providers and garages to help you out.
Basic breakdown cover costs from under £25 a year, so just £2 a month, but with ‘basic’, you get what it says on the tin. If you need help, you’ll get a free call out, usually around an hour’s help at the roadside and if your vehicle can’t be fixed, a tow to the nearest garage.
Vehicle cover is cheapest, and the one to go for if you only drive one motor.
If you drive other cars, then ‘personal’ cover can be a better, though pricier option. This means you’re covered both as a driver or passenger in any vehicle.
Most breakdown policies cover petrol, diesel, electric and hybrid vehicles, but do check before buying.
On top of the ‘basic’ cover, you can choose other options, like ‘Home’ which can be invaluable on cold Winter mornings as means a mechanic at your door.
The most expensive package usually includes basic, home plus ‘Onward Travel’, or ‘Relay’, which usually covers the cost of taking you, and your passengers, to your final destination, along with the cost of a hire car while your wheels are being fixed. So if you breakdown on the way to the airport, you’ll get taken there even if your wheels aren’t up to the job.
You can pay more to extend UK cover across Europe in case of unexpected holiday breakdowns too.
Handy to have, but breakdown cover isn’t a licence to call a mechanic for every niggling problem or save money on servicing.
Most breakdown companies won’t come out for recurrent faults, and with some, having a regular service may be a condition of policy cover.
Watch for call out limits. Some providers, like Emergency Assist, have a four call out limit per year on basic cover, while Green Flag has unlimited call outs, even on its most basic ‘Rescue’ option.
The RAC’s cheapest ‘Standard’ policy offers five call outs a year, although it’s more expensive packages are unlimited.
The current energy crisis has sparked off because the wholesale or ‘bulk buy’ price energy firms pay for gas has shot up by 250% since the start of this year.
This has put the squeeze on suppliers, especially smaller ones, who lured in customers with super cheap deals, and some including Avro, Green Energy, Utility Point and People’s Energy have now gone bust.
Here’s what you need to know if your supplier goes out of business.
You’ll probably hear it on the news but if your supplier goes bust, don’t panic, as you won’t lose power.
When a supplier stops trading, it’s down to Ofgem, the energy regulator, to find you a new one. Any credit balance you may be owed is protected, and if you owe money to your old supplier, that gets transferred over too.
All you need to do is take meter readings. Ideally take a snap on your phone, and Ofgem say at this stage, if you want to, you can cancel your direct debit with your ‘old’ supplier.
Then sit tight and wait. Once Ofgem’s found you a new supplier, they’ll be in touch directly; although it may take several weeks for your account to be moved across.
If you’re worried about scam companies getting in touch, claiming to be your new supplier, check the Ofgem website as it will flag up details of which company you’re being transferred to.
Yes they will, as any cheap deal you were on, will disappear with your old, now ‘defunct’ supplier.
When you’re transferred to a new supplier, you’ll usually be put on what Ofgem call a ‘deemed’ tariff. This is a special ‘transfer’ rate but it’s bound to be more expensive than any previous deal you were on.
But you don’t have to stick with this as you can ask your new supplier for their cheapest deal and ask to be moved to this. And you’re also free to shop around at this stage and switch to another supplier.
If you’re in the middle of a ‘switch’ from your old supplier, when it goes bust, this should still go through as planned.
However it’s best to hold off starting a new ‘switch’ until you know who your new supplier is.
While ‘switching’ has long since been a fast track to find cheaper deals, some price comparison sites including both GoCompare and Comparethemarket.com have temporarily ‘paused’ their switching services, as deals are so limited.
When I stumbled upon the Rising Cafe in Lincoln last week, all I knew about this hidden gem was it was number one for ‘Cafes in Lincoln’ on TripAdvisor.
And after a morning enjoying the city’s sights, (along with the climb up ‘Steep Hill’), we thought we’d pop along. This place is beautiful, decked out in vintage style, and tucked away in a church, but beyond the door the story unfolded on meeting the amazing Lizzie who came over to find us a table, and tell us about the cafe and how it had changed her life.
Until that point, I thought we’d just found a great cafe, but what makes this place special is that every penny from the cafe goes to the Betel Charity, which helps and supports people affected by drug and alcohol addiction and homelessness. And all the volunteers working in the cafe, including Lizzie, and the chefs, have been helped by its support programmes.
Well worth popping by if you’re in Lincoln. Not only will you get a warm welcome by some super friendly people, but the food is amazing, with everything from breakfast to burgers, afternoon tea, snacks, salads and kids’ meals on the menu.
We shared the Mexican Quesadillas, (which was a really generous portion), along with the Halloumi fries and with drinks the bill came to £14; which was amazing value. But the important part is that every bite goes towards helping an amazing charity.
Couple of things to flag up if you’re going along, it’s cash only, and there’s a cashpoint just down the road if you need one, and it’s alcohol free.
If you’re in Lincoln do pop by for breakfast, coffee, cake, lunch or the lot. It’s a beautiful place, run by some of the most amazing and inspirational people.
I’ve just saved a whopping £265 on our AA membership, totally loving my new Mandarin Shower Butter and snapped up the perfect travel ‘must have’ that won’t break the bank.
Always worth shopping around when breakdown cover is up for renewal and I was gearing up for this with the AA.
Now last year we paid £239 for our family policy, which covered the three of us with everything from home start to recovery.
This time round the AA wanted £404; a whopping 40% more. So I jumped online and spotted it was slashing membership prices for ‘new members’ offering a third off. Popping our cover details into its website; it came up with £139 for exactly the same cover.
So I rang the AA to ask why it thought I’d even consider renewing at £404 when there was a vastly cheaper deal on its website? It said the deal was for ‘new customers’ so it couldn’t match this price, but could offer a ‘discount’ on my renewal offer.
Didn’t wait to hear the discount, as yes, you’ve guessed it, I told them to forget it, and we snapped up the £139 price with my husband joining as the ‘new member’. As the last policy was in my name, means we’ve just saved a whopping £265.
Top Tip – I can’t see anything to stop you signing up as a ‘new member’ and bagging the cheaper website deal every year, so well worth a go if you like the service but want to save some cash!
Loving my new Mandarin Shower Butter, and it’s just what it says on the tub, ‘a scoop of lovely stuff’. Spotted this creamy shower butter on my trip to York on the shelves of the fabulous Yorkshire Soap Company.
Comes in a resealable tub, smells delicious and packed with Shea Butter and essential oils and all for £7.99. Lots more in the range including the raspberry one that I bought for my daughter.
And have to say the shop itself is beyond beautiful – see my snap above! Could happily have spent all day there. Brilliant customer service, with items individually wrapped, (as you’ll see from my shopping), all at no extra charge.
I reckon you can’t go wrong with this ‘bargain buy’. Picked it up for just £1 at Primark. All you do is pop this gel filled eye mask in the fridge, (not the freezer!), for two hours and works a treat on your peepers after a stressful day.
And doubles up as the perfect travel ‘must have’. Easy to slip in your bag and once you’re in your hotel or Airbnb, just stick it in the fridge.
I’ve just got back from a city break to York. Been so excited about this trip, firstly because it’s our first time away this year and secondly, as I haven’t been back to York since a school trip yonks ago.
Great news is you can’t go short of things to do in York – whether you want to explore its most famous street; The Shambles, hire a motorboat, (which we did to see the city from the water), watch the world go by at a riverside cafe, delve into the City’s history at the Jorvik Viking Centre , see inside York Minster, (pictured above), kick back in one of its pubs, (York’s said to have more pubs than days in the year!), or treat yourself to coffee and a ‘Fat Rascal’ from the famous Bettys Cafe Tea Rooms.
Well you get the gist, there’s so much to do! So here’s my guide on how to see the sights on a budget.
York’s Old City Walls are ancient, dating back to Roman times and walking the walls is a great way to get fantastic views, get your bearings if you’ve just arrived and escape the crowds. And it’s totally free!
The whole circuit is just over two miles long, but as you pass through the City ‘bars’, (not the drinking variety, this is the old name for ‘gates’), you can climb down and find a local watering hole or cafe along the way.
I’d suggest going early as you can get access to the walls from 8.30am through to dusk. If you’re only going to do one part, reckon the best bit for snaps is between Bootham Bar and Monk Bar, as you’ll get great views of York Minster along this stretch and it’s got railings if you don’t have a head for heights!
You can’t go to York without seeing the ‘Shambles’, a world famous cobbled street with overhanging timber framed buildings dating back to the 14th century. Said to be the inspiration for Diagon Alley in Harry Potter, it’s now home to tiny shops and old style ‘taverns’, but originally a street of butchers’ shops and slaughterhouses.
Top Tip: It’s hugely popular with tourists so go early for the best snaps. I was there at 7.30am to take these! And turned back the clock with the ‘sepia’ touch!
There’s so many great places to eat in York, but right next door is the Shambles Market with plenty of street food stalls and tables to eat ‘al fresco’. Great value for lunch or later, (usually open from late morning), including Greek and Moroccan stalls or if you want a great view, the Market Cat pub which overlooks the market does amazing pizza.
If you’re planning on visiting lots of museums and attractions you can save money with a York Pass which gets you free entry to around 20 places including York’s Castle Museum, (below), along with boat rides and bus tours.
A one day pass costs £48 and a two day version £65; (right now you can get £10 off with the code ‘SUMMER21’) Both include a free 24 hour ticket for the ‘Hop On Hop Off’ sightseeing bus, (worth £16), and a free pizza or pasta dish, (worth up to £8.95), at an Ask restaurant.
Value for money? I think you’d need to pack in the most expensive places to make this work. So if you visit the Jorvik Viking Centre, York Minster, York Dungeon and take a sightseeing city cruise in a day; that little lot would usually cost you £55.95, compared with the currently discounted £38 York Pass price, plus you get the sightseeing bus and free lunch thrown in.
However on the practical side, reckon there’s a limit to how many places you can get around in a day, unless you’re going to dash round everywhere and make a mad sprint across the city, which kind of spoils the day.
With other places like stunning Castle Howard, normally £19.95 entry, (free entry with a York Pass), it’s a fair drive out of York and having been there I’d say you’d want the best part of the day to enjoy it all, which might leave you tight for time if you want to squeeze out more value from your York Pass.
Best bet is to work out what you want to see, do the sums, and if you can combine the most expensive ones in a day and make a decent saving go for it.
Top Tip – You’ll probably still need to pre-book entry so don’t expect to bowl up and get in.
When I’m off on my travels, Airbnb is usually my first port of call. Found some great places this way and met some lovely people to boot. This time round I found a couple of Airbnb places I liked were listed with a small agency rather than individual owners.
Googled the agency, gave them a call and boooked an apartment in this converted warehouse, (just 5 minutes walk from the city centre), for around 20% cheaper than its advertised Airbnb price.
With Airbnb, fees and charges can rack up to 18%, so booking direct meant we saved some cash and got a discount for booking multiple nights too.
Parking in York is super expensive and charges apply every day at council run car parks. Lots of apartments I found didn’t include parking, though ours did.
As a rough guide, parking is around £14 for over five hours plus there’s often an hourly surcharge of around £2.70 so you’re racking up some serious cash if you need to park for a few days.
If you’re going for a day trip, go for the Park & Ride with six locations to choose from. Or if you’re staying for a few days, and your hotel or apartment doesn’t have parking, why not take the train?
York’s beautiful train station is about a 15 minute walk from the centre. Takes around two hours from London’s Kings Cross and you can snap up tickets from around £13 each way if you buy in advance.
I love a trip to the seaside but parking at the beach can put a hole in your spending bucket. So here’s my tricks to find a space and save enough cash for a whole load of ice creams.
Escape crowded beaches and go off the beaten track to find free parking.
I’ve found some amazing beaches along the Lincolnshire coast. Just check out the view here across the sands at Anderby Creek, which is tucked away at the end of a narrow track. Well worth the drive as it’s a fantastic stretch of beach, free parking, (and toilets!), and a gorgeous beach cafe too.
Further up the coast at Sutton on Sea, there’s another wide stretch of sandy beach, and while there’s a ‘Pay & Display’ car park, I found plenty of free on street parking in the surrounding roads.
Brighton often gets packed out on bank holidays, and parking can be super pricey, but just a few miles along the coast is the quieter resort of Worthing. It’s got a long stretch of shingle beach with beachside cafes dotted along the sea front, and if you head for the Ferring end of the seafront, you can park for free.
I absolutely love Bournemouth. It’s one of my favourite places on the planet, but as you might expect, anywhere near the pier gets packed at weekends and school holidays, and you can easily pay around £20 a day for parking, not to mention the stress of driving around playing ‘hunt the space’.
So why not save some serious cash and enjoy more time on the beach jumping aboard the Bournemouth Beach Bus. Runs from Kings Park in Boscombe; costs £5 for all day parking and free buses to the beach every 15 minutes.
Buses run every weekend during summer and daily from 24th July through to September 1st. First bus 9am and last one at 7pm. And while you’re there be sure to check out the Urban Reef for beachside dining.
Find a friendly local offering their driveway for the day and you’ll get a guaranteed parking space with big savings.
JustPark is a one way to find these hidden spaces. I’ve booked with them before to save on airport parking but works for beach parking too.
Just download the app to get started. Other similar sites to try include Park On My Drive or Your Parking Space
Parking up for the day at the local train station can work out cheaper than ‘Pay & Display’ car parks if there’s no free parking to be found.
Eastbourne’s main train station is around a ten minute walk from the beach and you can park all day for under £6; around half the price of some of its seafront car parks.
The Government has announced its much anticipated ‘Green List’ of twelve countries you can travel to after May 17th, without having to quarantine when you get back to England. But you’ll still need to take a Covid test before and after your trip.
But before we all get too excited; worth remembering that some places on that green list, including Australia and New Zealand aren’t open to UK tourists right now.
However a tiny glimmer of sunshine is starting to break through the grey Covid clouds, so here’s what you need to think about before booking a trip to a ‘green’ list destination.
The Government plans to review the list every three weeks, so if you book now for a ‘green’ destination that later turns amber or red, you can be out of pocket if you want to cancel, or decide to go, but have to fork out for an expensive ten day quarantine in a hotel if you’re returning from a red list country.
How you book your trip determines the protection you get.
Booking a ‘package’ holiday automatically boosts your protection under the Package Travel Regulations.
This means if your ‘green’ holiday destination goes amber or red, tour operators may cancel your trip or let you rearrange, fee free, for a later date. But do check, as not all of them will do this.
No need to book an ‘off the peg’ package with a rep in resort for this. ‘Package Protection’ kicks in when you book two parts of your trip, at the same time, in one single payment, with the same company. So could be a flight plus one night’s accommodation or a day’s car hire.
If the holiday company cancel your trip; you’re entitled to a full refund within fourteen days.
With flight only deals; you don’t have the same protection so check if the airline has a ‘flexible’ booking policy.
Lots of airlines now offer this which enables you to rearrange flights at short notice, and just pay the difference in the ticket price, rather than any previously hefty charges.
And with places to stay check for flexible deals.
It’s an absolute essential for any holiday, (even in the UK as most policies offer valuable cancellation cover as standard), but it’s not blanket cover for everything.
Most insurers have tightened small print, especially with Covid related claims so check what’s covered before you pay up.
The ‘commute’ from bed to office without leaving home may go on way after lockdown restrictions ease, with big name companies including Nationwide and PwC offering employees the chance to ditch office life.
Nationwide’s 13,000 ‘office based’ staff can choose where they want to work, after 57% of its staff said they’d like to work from home full time. And PwC is rolling out flexible working to allow 22,000 staff to split work life between the office and home.
So if working from home is the way forward; how can you get the job done?
I’ve worked mainly from home for years, being freelance, and absolutely love it. It’s given me freedom, saved heaps of cash on commuting costs, and saved me hours with no time spent in traffic jams or on board sweaty trains.
But as I’m sure anyone who moved their office to their front room during the pandemic knows, ‘working from home’ is no holiday.
It’s work, and the way I choose to earn a crust to pay the mortgage, bills and in happier times, fund my travel passion.
The number of people working from home has nearly doubled over the last ten years to 1,540,000 according to the Office for National Statistics and 60% of us worked from home during the pandemic, with 26% of those expected to stay working from home even when restrictions are lifted. And if you’ve been made redundant you may be going freelance and working from home for the first time too.
So here’s what I’ve learnt and how to make it work.
Always a good start, as working from home doesn’t mean rolling out of bed at midday, grabbing a coffee and sending a few emails before settling down with a good box set for the afternoon, well not on a regular basis anyway!
This won’t cut it when it comes to bringing in the cold hard cash, so you’ve got to get tough, motivated and set your own ‘office’ rules to make it work.
If you’re freelance it’s tempting to stash any earnings in your ‘everyday’ current account but this is the fast track to getting in a financial pickle.
If you’re set up as a Limited Company; then you’ll need to have a separate business bank account, but if you’re a ‘Sole Trader’ still makes sense to have a separate bank account.
Reason being you’ll need to set aside some money to pay your tax bill, so I’d always suggest ‘saving’ 20% of your earnings for this. Makes sense in my book to keep this in a separate account so you’re not tempted to splash out.
Ok so no law to say you can’t spend all day in your PJ’s, but I never feel in ‘work mode’ unless I’m up and dressed. Thought that’s not to say I’ve never done the odd 6.30am radio chat in my PJ’s…..
If you’re used to office life, then spending the best part of the day in your dressing gown can seem like a novelty, and if you don’t have any Zoom meetings, you can get away with it. But does it really put you in the right frame of mind for work?
Working from bed is another ‘no no’ in my book. I can count on the fingers of one hand the times I’ve done this; and only when I’ve been ill, as us freelancers don’t get company sick pay. But be warned; laptops and duvets don’t make great bedmates!
May sound strange, as surely the whole point of working from home is to ditch the ‘routine’ of office life for a more flexible lifestyle?
But without any kind of regular routine; can be all too easy to procrastinate to the point when the thought of clearing out the junk cupboard or cleaning the kitchen floor can seem more appealing than the thought of opening your laptop and logging on. I’m lucky enough to have a separate ‘office’ at home, (once our spare room), but now kitted out with my desk, cabinets and all things work related.
And means I can shut the door at the end of my working day without the risk of spilling spag bol over a pile of notes.
Yes your office colleagues may have driven you nuts and you couldn’t wait to see the back of them, but doesn’t mean you won’t find office life a bit too quiet at home.
Heading to a coffee shop, (once again, in pre-lockdown life), works for some as a change of scenery, with company and coffee on tap, but can be a drain on your finances if you regularly spend most of your working day there.
I’m lucky living near open countryside; so I usually head out for a lunchtime walk to clear my head, or in a past life, (before March last year), was often in London one day at week for meetings or telly stuff.
If you’re on holiday, enjoy it, and I’d say think twice before you flick through emails on your phone while having a coffee at a beach taverna, or even the day before coming home. I’ve done it, and there’s always the danger that just one niggling email will transport you back into ‘work mode’ and burst your holiday bubble.
I can never understand people who take their laptop on holiday and check emails by the pool. So with no boss to ask; I can take a holiday when I like, but on the flipside, can be the niggling feeling of missing out on work once you hit your ‘out of office’ auto reply.