Money
State pension warning as 340,000 face silent tax raid next year
TENS of thousands of retirees are set to pay tax on their state pension for the first time next year.
It is expected that around 340,000 pensioners will be told that they need to pay tax when the state pension rises by £460 in 2025.
Letters from the taxman will land on doorsteps for the first time next April, when the new tax year starts.
This is due to the triple lock, which means the payment made to those aged 66 and over rises every April by the highest out of inflation, the average UK wage increase or 2.5%.
Wages rose by 4% between May and July this year and experts suggest this figure will be the deciding factor in how much the state pension will rise by next year.
With tax thresholds frozen until 2028, this increase will drag around 340,000 pensioners into paying tax for the first time, it has been warned.
Read more on the state pension
This is because the total annual amount of income they receive will be more than their personal allowance.
The allowance is the amount of money you can earn before you have to pay tax on your income.
Under the current rules, this is up to £12,570 each tax year.
Over the next few weeks HM Revenue and Customs (HMRC) is writing to 560,000 customers as part of its “simple assessment” process, which will calculate who needs to pay what tax.
It was previously expected that around 140,000 pensioners would receive a letter for the first time this year.
But because of the suspected increase in the state pension, 340,000 people are now likely to get one.
Sir Steve Webb, the former pensions minister, told The Sun: “Whilst pensioners benefit from an above inflation increase in 2025, some of the increase will be clawed back through taxation for more and more pensioners.
“This comes on top of the loss of winter fuel payments for most. Taking account of rising energy bills on top of all these changes, by next April, not many pensioners will feel better off overall.”
Previously all pensioners received a Winter Fuel Payment of up to £300 each year to help cover the cost of energy bills.
But in July the government said that the payment, which is not taxable, would only be made to those on low incomes who claim certain benefits.
How does the state pension work?
AT the moment the current state pension is paid to both men and women from age 66 – but it’s due to rise to 67 by 2028 and 68 by 2046.
The state pension is a recurring payment from the government most Brits start getting when they reach State Pension age.
But not everyone gets the same amount, and you are awarded depending on your National Insurance record.
For most pensioners, it forms only part of their retirement income, as they could have other pots from a workplace pension, earning and savings.
The new state pension is based on people’s National Insurance records.
Workers must have 35 qualifying years of National Insurance to get the maximum amount of the new state pension.
You earn National Insurance qualifying years through work, or by getting credits, for instance when you are looking after children and claiming child benefit.
If you have gaps, you can top up your record by paying in voluntary National Insurance contributions.
To get the old, full basic state pension, you will need 30 years of contributions or credits.
You will need at least 10 years on your NI record to get any state pension.
These include Pension Credit, Universal Credit, income-related Employment and Support Allowance, income-based Jobseeker’s Allowance, Income Support, Child Tax Credit and Working Tax Credit.
To be eligible you needed to be receiving a benefit during the qualifying week of September 16-22.
Meanwhile, yesterday the energy price cap increased by 10%, adding £149 a year to the average household bill.
Between October 1 and December 31 the energy price cap is set at £1,717 for a typical household which has a dual fuel tariff and pays by direct debit.
The increase will pile further pressure onto pensioners who are struggling to make ends meet this winter.
How will the tax be paid?
HMRC has said that the letters it is sending to pensioners will include detailed calculations of any tax due on the income they receive in the 2023-24 tax year.
Pensioners will need to pay this tax through a Simple Assessment tax bill.
What is the Winter Fuel Payment?
Consumer reporter Sam Walker explains all you need to know about the payment.
The Winter Fuel Payment is an annual tax-free benefit designed to help cover the cost of heating through the colder months.
Most who are eligible receive the payment automatically.
Those who qualify are usually told via a letter sent in October or November each year.
If you do meet the criteria but don’t automatically get the Winter Fuel Payment, you will have to apply on the government’s website.
You’ll qualify for a Winter Fuel Payment this winter if:
- you were born on or before September 23, 1958
- you lived in the UK for at least one day during the week of September 16 to 22, 2024, known as the “qualifying week”
- you receive Pension Credit, Universal Credit, ESA, JSA, Income Support, Child Tax Credit or Working Tax Credit
If you did not live in the UK during the qualifying week, you might still get the payment if both the following apply:
- you live in Switzerland or a EEA country
- you have a “genuine and sufficient” link with the UK social security system, such as having lived or worked in the UK and having a family in the UK
But there are exclusions – you can’t get the payment if you live in Cyprus, France, Gibraltar, Greece, Malta, Portugal or Spain.
This is because the average winter temperature is higher than the warmest region of the UK.
You will also not qualify if you:
- are in hospital getting free treatment for more than a year
- need permission to enter the UK and your granted leave states that you can not claim public funds
- were in prison for the whole “qualifying week”
- lived in a care home for the whole time between 26 June to 24 September 2023, and got Pension Credit, Income Support, income-based Jobseeker’s Allowance or income-related Employment and Support Allowance
Payments are usually made between November and December, with some made up until the end of January the following year.
This can be paid online, by bank transfer or by cheque.
If you get a letter after October 31, 2024 for the last tax year you must pay it within three months of the date you received it.
There is also an option to pay in instalments, so long as you pay the full amount by the deadline.
There is an online guide to the Simple Assessment for pensioners which provides more information for those who receive a demand.
Do you have a money problem that needs sorting? Get in touch by emailing money-sm@news.co.uk.
Plus, you can join our Sun Money Chats and Tips Facebook group to share your tips and stories
Money
Six ways to make your dishwasher work even harder and more affordably
FOR many busy families, the dishwasher is an essential kitchen helper.
But you can make yours work even harder and more affordably with a few simple tricks.
Here’s what you need to know . . .
CHEAPER CLEAN: Dishwasher tablets are pricey so cut them in half if you have a smaller machine.
The reduced dose is usually still enough to get dishes sparkling.
And buy bigger packs to get the best value. For example, Sainsbury’s all-in-one dish-washer tablets 60-pack is £5.60, which breaks down to 9.3p per tablet, whereas a 30-pack is £3.10, equalling 10.3p each.
READ MORE MONEY SAVING TIPS
STAINS FOILED: Roll a sheet of aluminium foil into a ball and pop it in the cutlery basket. The foil reacts with the detergent to help get rid of dull stains on silverware, leaving it shiny and bright.
LEMON SQUEEZY: If you have squeezed the juice from half a lemon, you can use the rest of it to clean your dishwasher.
Just pop it in and run the machine on its normal cycle.
The acid cuts through limescale and soap build-up to help keep the machine clean and running efficiently.
ACID NOUS: You can also give your dishwasher a good clean by putting a cup of white vinegar in a dish on the top shelf of the machine and running a hot cycle.
GREEN CLEAN: Unless dishes are heavily soiled, the eco function of your dishwasher will leave your pots and dishes spotless.
This cycle uses less water, and at a lower temperature, helping to reduce your water and energy bills.
FULL HOUSE: Make sure your dishwasher is full so you don’t run it more than is necessary.
Cutting out just one cycle a week knocks £12 a year off energy bills, says the Energy Saving Trust.
- All prices on page correct at time of going to press. Deals and offers subject to availability.
Deal of the day
BOIL a brew with this stylish Swan 1.7-litre pyramid kettle, down from £69.99 to £29.99 at Home Bargains.
SAVE: £40.
Cheap treat
SWEETEN your day with a delicious salted caramel spin on Cadbury’s Dairy Milk, £1.65 for a 120g bar at Tesco.
What’s new?
THERE’S a refreshed brunch menu at Frankie & Benny’s, with new items including loaded bagels and buttermilk pancakes, stuffed calzones, giant mozzarella sticks and baked pretzels.
Top swap
MAKE a style statement with these Mint Velvet snake-print ankle boots, £149 from Next. Or step up your savings with New Look’s take on the trend, for £45.99.
SAVE: £103.01
Little helper
STRICTLY dancer Amy Dowden has designed this T-shirt for Asda’s Tickled Pink campaign. It’s £10 and profits from sales go to the charities Breast Cancer Now and CoppaFeel.
PLAY NOW TO WIN £200
JOIN thousands of readers taking part in The Sun Raffle.
Every month we’re giving away £100 to 250 lucky readers – whether you’re saving up or just in need of some extra cash, The Sun could have you covered.
Every Sun Savers code entered equals one Raffle ticket.
The more codes you enter, the more tickets you’ll earn and the more chance you will have of winning!
Money
Lidl shoppers rush to buy ‘beautiful’ seasonal homeware essentials for just £4
BARGAIN-hunters are rushing to Lidl to stock up on “beautiful” seasonal homeware essentials scanning for just £4.
The seasonal leaf lamp is currently reduced to £3.99 at Lidl and comes with batteries already fitted in.
A savvy shopper posted the bargain buy on the Extreme Couponing and Bargains UK Facebook group, writing: “Beautiful leaf lamp in Lidl reduced to £3.99.
“[They] had other leaf designs lamp’s… batteries already fitted in.”
Replying to a comment, the person revealed the found the savvy buy in Sheffield.
Fans of the seasonal essential buy flocked to the comment section.
One person simply said: “Need xxxx”
While another person added: “Cute”
A third poster revealed another design in the comments, saying: “This is the other one”, while showing another leaf lamp.
A fourth person added: “Think I need a trip to Lidl.”
The seasonal leaf lamp has dotted leaf design and orange light to give warmth and ambience.
Lidl has several seasonal homeware items in its “Middle of Lidl” section, including a light up toadstool lamp for £5.99, decorative mushrooms for £4.99, and an autumn wreath for £6.99.
However do bear in mind that when prices are reduced by this much it’s usually in order for stores to clear excess stock, so availability will vary from store to store.
It’s always best to phone ahead to your local shop to check what they have available to avoid disappointment.
You can find your nearest Lidl store using the locator tool on the website.
It always pays to compare prices so you know you’re getting the best deal.
Meanwhile, shoppers have gone wild over a £4 Sol De Janerio dupe at Lidl.
Bargain hunters have rushed to pick up their favourite fragrances at a fraction of the original £24 price.
It’s always a good idea to shop around to make sure you can find the best deals.
There are plenty of comparison websites out there that’ll check prices for you – so don’t be left paying more than you have to.
Most of them work by comparing the prices across hundreds of retailers.
Google Shopping is a tool that lets users search for and compare prices for products across the web. Simply type in keywords, or a product number, to bring up search results.
Price Spy logs the history of how much something costs from over 3,000 different retailers, including Argos, Amazon, eBay and supermarkets.
Once you select an individual product you can quickly compare which stores have the best price and which have it in stock.
How to bag a bargain
SUN Savers Editor Lana Clements explains how to find a cut-price item and bag a bargain…
Sign up to loyalty schemes of the brands that you regularly shop with.
Big names regularly offer discounts or special lower prices for members, among other perks.
Sales are when you can pick up a real steal.
Retailers usually have periodic promotions that tie into payday at the end of the month or Bank Holiday weekends, so keep a lookout and shop when these deals are on.
Sign up to mailing lists and you’ll also be first to know of special offers. It can be worth following retailers on social media too.
When buying online, always do a search for money off codes or vouchers that you can use vouchercodes.co.uk and myvouchercodes.co.uk are just two sites that round up promotions by retailer.
Scanner apps are useful to have on your phone. Trolley.co.uk app has a scanner that you can use to compare prices on branded items when out shopping.
Bargain hunters can also use B&M’s scanner in the app to find discounts in-store before staff have marked them out.
And always check if you can get cashback before paying which in effect means you’ll get some of your money back or a discount on the item.
Money
Major beer brand placed into administration & staff ‘made redundant’ in move to ‘protect firm from market pressures’
A MAJOR beer brand has been placed in to administration after the company applied for a company voluntary arrangement in March.
It comes after the Fourpure brewing company closed its production site and taproom in Bermondsey.
In Good Company, the business that owns Fourpure and Magic Rock, said the move would “protect the brand from future liability, and tough commercial realities in the drinks and hospitality industries.”
Fourpure had previously applied for a CVA in March to secure more time to pay its creditors.
The company said: “Fourpure would continue to exist in the same way it does currently with its beers brewed, canned and produced at Magic Rock Brewing.”
In Good Company claimed that the administration would not “impact staff” or any of the In Good Company’s Beverage Limited’s wider portfolio.
However, a number of Fourpour staff have allegedly been made redundant following the closure of the Bermondsey site, according to The Grocer.
In Good Company CEO Steve Cox said: “We’ve had to make a number of tough decisions to protect the overall business, which includes moving Fourpure’s London brewing operations to its sister brewer Magic Rock in Huddersfield, and this month voluntarily filing for administration for Fourpure Limited.
“Both decisions have been made to futureproof the brands and the wider business, as we look to maintain stability but also strive for ambitious growth targets.
“Anyone in the craft beer, drinks and hospitality sectors will be familiar with the current challenges of operating in this space.
“We are determined to keep taking positive strides to safeguard In Good Company and its portfolio to allow for growth and innovation.”
The company has not filed a full-year set of accounts since it was acquired by In Good Company from Lion in August 2022.
The Sun has contacted Fourpure for comment.
The news comes after more than 2,000 Costa Coffee branches have abruptly shut, leaving customers “absolutely gutted”.
The Costa Coffee branch in Fleet Walk, Burnley, has pulled down the shutters for the final time.
The branch has actually been closed since the start of the month with customers left confused as to why it was empty.
But the company has now confirmed the closure is permanent, and it is set to be replaced by another shop.
A Costa Coffee spokesperson said: “We can confirm that our Costa Coffee store on Fleet Walk, Burnley, which is owned and operated by one of our corporate partners, closed for trade at the beginning of September 2024.”
Many shoppers were left disappointed after the branch shut down.
Commenting on news of the closure one said: “Absolutely gutted on Saturday when I couldn’t get my Costa!”
Another wrote: “Town centre is dying of a slow death.”
A third quipped that the situation was a “Costa living crisis”.
Costa closed its branch in Alexandra retail park, Tunstall, Stoke-on-Trent, on Sunday 1 September.
The franchised site had been open for nine years, and customers have said it was a “great place”.
Coffee giant Costa regularly reviews its store estate across the UK.
This can include the closing or renovation of existing stores, or the opening of new stores.
Below we reveal the full list of Costa Coffee sites which have already shut and those which are due to close this year.
To find your nearest store or Costa Express machine, you can visit the chain’s website.
Money
The four errors that can stop you getting £300 winter fuel payment as 880,000 miss out – how to avoid them
MILLIONS of households are still set to get the £300 Winter Fuel Payments this year.
However, there are four simple errors that those on state pension could make which would mean missing out on the cash even when eligible.
The winter fuel payment is an annual tax-free benefit designed to help with the cost of heating through the colder months.
Last year the payments were worth between £300 and £600, depending on circumstances.
This was because the amount included a “Pensioner Cost of Living Payment” – between £150 and £300.
However, this year, it will be worth £200 for eligible households or £300 for those with someone aged over 80.
That means you could receive up to £300 in free cash depending on your circumstances.
But the rules have changed this year and around nine million pensioners will no longer get the cash.
The benefit used to go to all people over state pension age regardless of circumstances.
Now just those on low incomes and claiming certain benefits like pension credit will get the cash.
Around 880,000 people are eligible for pension credit and not claiming though. meaning they will miss out on the extra cash.
There are four further reasons you could miss out on the payment too.
Figures for last year show that 110,000 Brits saw their payments cut.
The Department for Work and Pensions (DWP) has said that the vast majority of winter fuel payment underpayments last year resulted from claimant’s failing to notify the department about a change of address.
Like with other certain benefits you’ll often be required to report a change in circumstances to ensure that you’re paid the correct amount each winter.
One of the slip-ups that people have made in the past is failing to let the Department for Work and Pensions know about a change of address.
If you forget to do this, you could see the amount of winter fuel payments your due drop.
The second stumbling block to watch out for is if you or someone else eligible for the winter fuel payment moves in or out of your house.
What is the Winter Fuel Payment?
Consumer reporter Sam Walker explains all you need to know about the payment.
The Winter Fuel Payment is an annual tax-free benefit designed to help cover the cost of heating through the colder months.
Most who are eligible receive the payment automatically.
Those who qualify are usually told via a letter sent in October or November each year.
If you do meet the criteria but don’t automatically get the Winter Fuel Payment, you will have to apply on the government’s website.
You’ll qualify for a Winter Fuel Payment this winter if:
- you were born on or before September 23, 1958
- you lived in the UK for at least one day during the week of September 16 to 22, 2024, known as the “qualifying week”
- you receive Pension Credit, Universal Credit, ESA, JSA, Income Support, Child Tax Credit or Working Tax Credit
If you did not live in the UK during the qualifying week, you might still get the payment if both the following apply:
- you live in Switzerland or a EEA country
- you have a “genuine and sufficient” link with the UK social security system, such as having lived or worked in the UK and having a family in the UK
But there are exclusions – you can’t get the payment if you live in Cyprus, France, Gibraltar, Greece, Malta, Portugal or Spain.
This is because the average winter temperature is higher than the warmest region of the UK.
You will also not qualify if you:
- are in hospital getting free treatment for more than a year
- need permission to enter the UK and your granted leave states that you can not claim public funds
- were in prison for the whole “qualifying week”
- lived in a care home for the whole time between 26 June to 24 September 2023, and got Pension Credit, Income Support, income-based Jobseeker’s Allowance or income-related Employment and Support Allowance
Payments are usually made between November and December, with some made up until the end of January the following year.
Again, it’s important to let the DWP know about these comings or goings.
The third thing to keep in mind is if you or someone else eligible for the extra cash moves into a care home.
This move will mean that you or the person moving out will no longer receive the money.
Lastly, it’s vital to let the DWP know if someone entitled to the payment has passed away.
What to do if you’ve been underpaid the winter fuel payment
Most payments are made automatically in November or December.
You’ll get a letter telling you how much you’re entitled to and which bank account it will be paid into.
If you do not get a letter or the money has not been paid into your account by January 29, 2025 and you think you’re eligible you must contact the winter fuel Payment Centre on 0800 731 0160.
You’ll also need to report a change in circumstances to ensure you’re not overpaid too.
Fail to do this and the DWP could force you to repay the money you owe.
Crucial to claim Pension Credit if you can
HUNDREDS of thousands of pensioners are missing out on Pension Credit.
The Sun’s Assistant Consumer Editor Lana Clements explains why it’s imperative to apply for the benefit..
Pension Credit is designed to top up the income of the UK’s poorest pensioners.
In itself the payment is a vital lifeline for older people with little income.
It will take weekly income up to to £218.15 if you’re single or joint income to £332.95.
Yet, an estimated 800,000 don’t claim this support. Not only are they missing on this cash, but far more extra support that is unlocked when claiming Pension Credit.
With the winter fuel payment – worth up to £300 now being restricted to pensioners claiming Pension Credit – it’s more important than ever to claim the benefit if you can.
Pension Credit also opens up help with housing costs, council tax or heating bills and even a free TV licence if you are 75 or older.
All this extra support can make a huge difference to the quality of life for a struggling pensioner.
It’s not difficult to apply for Pension Credit, you can do it up to four months before you reach state pension age through the government website or by calling 0800 99 1234.
You’ll just need your National Insurance number, as well as information about income, savings and investments.
To avoid being overpaid, you should report if you will not be living at home during the Winter months but will be in hospital getting free in-patient treatment or in custody serving a court sentence.
The deadline to claim for this winter is March 31, 2025.
Contact the winter fuel payment Centre by calling 0800 731 0160 to report a change in circumstances.
Make sure you have your National Insurance number to hand.
A DWP spokesperson previously said about last year’s figures: “Where errors do occur, we are committed to fixing them as quickly as possible and this equates to just 1.1% of all winter fuel payment expenditure.
“Anyone with a change of circumstances should inform the DWP to ensure they get the right amount of money they are entitled to, while those eligible for this year’s payment have until the end of March to claim it.”
Money
I’m an award-winning Starbucks barista – my tips to save £343 a year on coffee including free refills
SPLASHING out on a coffee pick-me-up doesn’t need to cost as much as you think it does.
Dee Bespalova, named the best Starbucks barista in the UK, has shared her top tips on how to save money – including the secret to free refills.
Star barista Dee was awarded after taking on her fellow Starbucks coffee connoisseurs from up and down the country.
She has now shared her top tips for saving money at Starbucks – and who better to get the inside information from?
Buying coffee on the go can be shockingly expensive when added up over time.
According to Wholesale Coffee Co, Brits spend on average £5.50 per week on coffee, which is £286 a year.
And on average, people who buy a Starbucks three times a week spending approximately £54 a month, which is a whopping £648 annually.
At The Sun, we always recommend you make coffee from home to save money.
For example, with Tesco Clubcard prices you can buy 6 sachets of Costa Barista Creations in any flavour for £1.75 – that’s 30p a coffee.
Meanwhile, a Starbucks can typically set you back around £4.50 for one drink, or up to £6.55 for special recipes.
Starbucks prices change based on availability, and between locations.
However, we also know that, sometimes, a DIY coffee from home isn’t quite as exciting as a Starbucks on the go.
And with experts like Dee making the coffee, sometimes it’s okay to spend a little extra on a hot drink you know you’ll love.
For this reason, we put together Dee’s top tips for enjoying a Starbucks the savvy way – so you don’t have to miss out on that coffee catch up with friends.
By combining all of these tips across the year, a person who drinks three coffees a week and spends £648 annually will save £343.20.
The amount you save will vary depending on how much you typically spend of course.
GET FREE REFILLS – £271.20
One of the most exciting tips Dee whispered to The Sun was that filter coffee-drinkers are actually able to get refills for free.
She said: “Whilst lattes and flat whites are many people’s favourites, if your usual order is a black coffee, or a coffee with just a splash of milk, consider asking whether your local store offers filter coffee, which you can swap out for your americano and enjoy a free refill.”
A filter coffee at Starbucks is easy on the wallet too, starting at just £1.95.
If you were to buy two americanos (£3.80 each), this would cost you £7.60.
If you did this once a week for a year, you would rack up a spending of £364.80.
Instead, you could save a total of £5.65 a visit by ordering a filter coffee and getting a free refill instead.
If you did this once a week for a year instead, you’d spend £93.60 a year – saving £271.20 across the year just by swapping for filter coffee.
Dee recommends going up and asking your barista if it offers filter coffees, as they are not in all stores and might not always be on the menu at the tills where you’ll usually find the latest additions and seasonal drinks on show.
You’ll need to purchase the first drink to have in to then qualify for a free tall refill.
SWAP SYRUPS – £72
When you fancy your coffee with a little twist, a syrup will usually do the trick – but if you are looking to save, there is a cheaper option.
You can swap out the dairy milk for an alternative to bring a different flavour to your drink.
According to Dee, dairy alternatives at Starbucks are offered at no extra charge.
Customers can request oat, soy, almond or coconut milk.
“But if you’re a bit stuck for where to start, choose a drink with a dairy alternative as standard”, she told The Sun.
“For example, the Iced Brown Sugar Oat Shaken Espresso is designed to work best with the delicious roast nutty flavours of oat dairy alternative.”
Starbucks is one of very few chains which offers completely free milk alternatives.
In Costa for instance, soya is the only non-dairy milk you can buy free of charge. For oat or coconut, the customer must spend 45p.
5 things you didn’t know about Starbucks
The name was inspired by a book
Co-founders Gordon Bowker, Jerry Baldwin, and Zev Siegl opened the first Starbucks in Seattle on March 30, 1971. The name was inspired by author Herman Melville’s famous novel, Moby-Dick – Starbuck was the name of the first mate on the ship, the Pequod.
It has its own coffee farm
Purchased in 2013, Hacienda Alsacia is a 240-hectare coffee farm located in Costa Rica. Customers can’t visit, but they can take a virtual tour.
Different apron colours
Did you ever notice some of the Starbucks staff wearing different colour aprons? Green, Black, Red and there’s also a few special editions.
Before there were Sharpie pens
Starbucks is known for writing your name on your drink cup, but before this idea came to fruition, the position of a cup on the bar would tell the barista how to make the beverage. Upside down for decaf!
Millions of fans, millions of drinks
US Starbucks stores will sell around 5 million drinks daily in 2024, and the top-selling of which is currently Caramel Macchiato.
A shot of syrup at Starbucks typically costs 50p, so you can save £1.50 a week based on having three drinks a week on average – that’s £6 a month, and £72 a year.
Of course, keep in mind that out calculations are based three coffees a week – the amount you save will vary based on how much you usually spend on coffee.
GET FREEBIES WITH STARBUCKS REWARDS – £72
Regular Starbucks customers can download the Starbucks app and collect points, which can be used to gain free rewards.
Dee said: “It pays to be loyal and Starbucks Rewards is quick and easy to use.”
Customers can collect three stars for every £1 spent, and when you reach 150 stars, you’ll get a free drink of any size.
If customers reach 450 stars, they will be rewarded with Gold status.
This means extra shots of espresso, selected syrups and whipped cream are all on the house.
Each of these extras usually cost 50p, meaning you could save £s off a single purchase.
If you cashed in on these extras three times a week, you’d save £1.50 – that’s £6 a month, and £72 a year.
To begin collecting rewards, download the Starbucks app and sign up with your email address.
However, keep in mind that with all schemes such as these, the goal of the company is to get you spending more money.
If you become a rewards member, be sure to use it as a perk, and not an excuse to buy more coffees when you’re out of the house – otherwise you will lose money rather than saving it.
Also remember that having apps and email notifications from businesses like Starbucks may subconsciously encourage you to spend more money, so be mindful of marketing influences.
In moderation, rewards are much more enjoyable.
To find the nearest Starbucks near you, visit their website.
Do you have a money problem that needs sorting? Get in touch by emailing money-sm@news.co.uk.
Plus, you can join our Sun Money Chats and Tips Facebook group to share your tips and stories
Money
Puma Property Finance promotes Rahul Malde to director
TRY 6 ISSUES FOR JUST £6
Try 6 issues of Property Week for £6 to finish this article.
Sign up now for the following benefits:
- Unlimited access to Property Week and newsletters
- Breaking news, comment and analysis from industry experts as it happens
Don’t want full access? REGISTER NOW for limited access and to subscribe to our newsletters.
-
Womens Workouts1 week ago
3 Day Full Body Women’s Dumbbell Only Workout
-
Technology2 weeks ago
Would-be reality TV contestants ‘not looking real’
-
Science & Environment2 weeks ago
Maxwell’s demon charges quantum batteries inside of a quantum computer
-
Science & Environment2 weeks ago
Hyperelastic gel is one of the stretchiest materials known to science
-
Science & Environment2 weeks ago
‘Running of the bulls’ festival crowds move like charged particles
-
Science & Environment2 weeks ago
How to unsnarl a tangle of threads, according to physics
-
Science & Environment2 weeks ago
How to wrap your mind around the real multiverse
-
News1 week ago
Our millionaire neighbour blocks us from using public footpath & screams at us in street.. it’s like living in a WARZONE – WordupNews
-
Science & Environment2 weeks ago
Liquid crystals could improve quantum communication devices
-
Science & Environment2 weeks ago
Sunlight-trapping device can generate temperatures over 1000°C
-
Science & Environment2 weeks ago
ITER: Is the world’s biggest fusion experiment dead after new delay to 2035?
-
Science & Environment2 weeks ago
Physicists are grappling with their own reproducibility crisis
-
Science & Environment2 weeks ago
Quantum ‘supersolid’ matter stirred using magnets
-
News2 weeks ago
You’re a Hypocrite, And So Am I
-
Science & Environment2 weeks ago
Why this is a golden age for life to thrive across the universe
-
Science & Environment2 weeks ago
Quantum forces used to automatically assemble tiny device
-
Sport2 weeks ago
Joshua vs Dubois: Chris Eubank Jr says ‘AJ’ could beat Tyson Fury and any other heavyweight in the world
-
Science & Environment2 weeks ago
Nuclear fusion experiment overcomes two key operating hurdles
-
Science & Environment2 weeks ago
Caroline Ellison aims to duck prison sentence for role in FTX collapse
-
Science & Environment2 weeks ago
Nerve fibres in the brain could generate quantum entanglement
-
Science & Environment2 weeks ago
Time travel sci-fi novel is a rip-roaringly good thought experiment
-
Science & Environment2 weeks ago
Laser helps turn an electron into a coil of mass and charge
-
News2 weeks ago
Israel strikes Lebanese targets as Hizbollah chief warns of ‘red lines’ crossed
-
CryptoCurrency2 weeks ago
Cardano founder to meet Argentina president Javier Milei
-
Science & Environment1 week ago
Meet the world's first female male model | 7.30
-
Womens Workouts2 weeks ago
Best Exercises if You Want to Build a Great Physique
-
Science & Environment2 weeks ago
A slight curve helps rocks make the biggest splash
-
News2 weeks ago
▶️ Media Bias: How They Spin Attack on Hezbollah and Ignore the Reality
-
Science & Environment2 weeks ago
Why we need to invoke philosophy to judge bizarre concepts in science
-
CryptoCurrency2 weeks ago
Bitcoin miners steamrolled after electricity thefts, exchange ‘closure’ scam: Asia Express
-
CryptoCurrency2 weeks ago
DZ Bank partners with Boerse Stuttgart for crypto trading
-
CryptoCurrency2 weeks ago
Bitcoin bulls target $64K BTC price hurdle as US stocks eye new record
-
CryptoCurrency2 weeks ago
Ethereum is a 'contrarian bet' into 2025, says Bitwise exec
-
Womens Workouts2 weeks ago
Everything a Beginner Needs to Know About Squatting
-
News1 week ago
Four dead & 18 injured in horror mass shooting with victims ‘caught in crossfire’ as cops hunt multiple gunmen
-
Womens Workouts1 week ago
3 Day Full Body Toning Workout for Women
-
Travel1 week ago
Delta signs codeshare agreement with SAS
-
Politics1 week ago
Hope, finally? Keir Starmer’s first conference in power – podcast | News
-
News2 weeks ago
the pick of new debut fiction
-
Science & Environment2 weeks ago
Quantum time travel: The experiment to ‘send a particle into the past’
-
CryptoCurrency2 weeks ago
Dorsey’s ‘marketplace of algorithms’ could fix social media… so why hasn’t it?
-
CryptoCurrency2 weeks ago
RedStone integrates first oracle price feeds on TON blockchain
-
CryptoCurrency2 weeks ago
Low users, sex predators kill Korean metaverses, 3AC sues Terra: Asia Express
-
Sport2 weeks ago
UFC Edmonton fight card revealed, including Brandon Moreno vs. Amir Albazi headliner
-
CryptoCurrency2 weeks ago
Blockdaemon mulls 2026 IPO: Report
-
Technology2 weeks ago
iPhone 15 Pro Max Camera Review: Depth and Reach
-
News2 weeks ago
Brian Tyree Henry on voicing young Megatron, his love for villain roles
-
CryptoCurrency2 weeks ago
Coinbase’s cbBTC surges to third-largest wrapped BTC token in just one week
-
News1 week ago
Why Is Everyone Excited About These Smart Insoles?
-
Health & fitness2 weeks ago
The maps that could hold the secret to curing cancer
-
Science & Environment2 weeks ago
Being in two places at once could make a quantum battery charge faster
-
Science & Environment2 weeks ago
A new kind of experiment at the Large Hadron Collider could unravel quantum reality
-
Science & Environment2 weeks ago
How one theory ties together everything we know about the universe
-
Science & Environment2 weeks ago
Future of fusion: How the UK’s JET reactor paved the way for ITER
-
Science & Environment2 weeks ago
How do you recycle a nuclear fusion reactor? We’re about to find out
-
Science & Environment2 weeks ago
Tiny magnet could help measure gravity on the quantum scale
-
CryptoCurrency2 weeks ago
Crypto scammers orchestrate massive hack on X but barely made $8K
-
CryptoCurrency2 weeks ago
Telegram bot Banana Gun’s users drained of over $1.9M
-
CryptoCurrency2 weeks ago
VonMises bought 60 CryptoPunks in a month before the price spiked: NFT Collector
-
CryptoCurrency2 weeks ago
‘No matter how bad it gets, there’s a lot going on with NFTs’: 24 Hours of Art, NFT Creator
-
CryptoCurrency2 weeks ago
SEC asks court for four months to produce documents for Coinbase
-
Business2 weeks ago
How Labour donor’s largesse tarnished government’s squeaky clean image
-
News2 weeks ago
Brian Tyree Henry on voicing young Megatron, his love for villain roles
-
Womens Workouts2 weeks ago
How Heat Affects Your Body During Exercise
-
Womens Workouts2 weeks ago
Keep Your Goals on Track This Season
-
Science & Environment1 week ago
X-rays reveal half-billion-year-old insect ancestor
-
Science & Environment2 weeks ago
UK spurns European invitation to join ITER nuclear fusion project
-
News2 weeks ago
Church same-sex split affecting bishop appointments
-
Technology2 weeks ago
Fivetran targets data security by adding Hybrid Deployment
-
CryptoCurrency2 weeks ago
$12.1M fraud suspect with ‘new face’ arrested, crypto scam boiler rooms busted: Asia Express
-
CryptoCurrency2 weeks ago
Decentraland X account hacked, phishing scam targets MANA airdrop
-
CryptoCurrency2 weeks ago
CertiK Ventures discloses $45M investment plan to boost Web3
-
CryptoCurrency2 weeks ago
Beat crypto airdrop bots, Illuvium’s new features coming, PGA Tour Rise: Web3 Gamer
-
CryptoCurrency2 weeks ago
‘Silly’ to shade Ethereum, the ‘Microsoft of blockchains’ — Bitwise exec
-
CryptoCurrency2 weeks ago
Vitalik tells Ethereum L2s ‘Stage 1 or GTFO’ — Who makes the cut?
-
CryptoCurrency2 weeks ago
Ethereum falls to new 42-month low vs. Bitcoin — Bottom or more pain ahead?
-
Business2 weeks ago
Thames Water seeks extension on debt terms to avoid renationalisation
-
Politics2 weeks ago
‘Appalling’ rows over Sue Gray must stop, senior ministers say | Sue Gray
-
Politics2 weeks ago
Labour MP urges UK government to nationalise Grangemouth refinery
-
News2 weeks ago
Brian Tyree Henry on his love for playing villains ahead of “Transformers One” release
-
Politics2 weeks ago
UK consumer confidence falls sharply amid fears of ‘painful’ budget | Economics
-
Womens Workouts2 weeks ago
Which Squat Load Position is Right For You?
-
Science & Environment1 week ago
CNN TÜRK – 🔴 Canlı Yayın ᴴᴰ – Canlı TV izle
-
Technology1 week ago
Robo-tuna reveals how foldable fins help the speedy fish manoeuvre
-
News6 days ago
US Newspapers Diluting Democratic Discourse with Political Bias
-
Politics2 weeks ago
Trump says he will meet with Indian Prime Minister Narendra Modi next week
-
Technology2 weeks ago
Is carbon capture an efficient way to tackle CO2?
-
Technology2 weeks ago
Can technology fix the ‘broken’ concert ticketing system?
-
Health & fitness2 weeks ago
The secret to a six pack – and how to keep your washboard abs in 2022
-
Science & Environment2 weeks ago
Single atoms captured morphing into quantum waves in startling image
-
Science & Environment2 weeks ago
How Peter Higgs revealed the forces that hold the universe together
-
Science & Environment2 weeks ago
A tale of two mysteries: ghostly neutrinos and the proton decay puzzle
-
CryptoCurrency2 weeks ago
2 auditors miss $27M Penpie flaw, Pythia’s ‘claim rewards’ bug: Crypto-Sec
-
CryptoCurrency2 weeks ago
Louisiana takes first crypto payment over Bitcoin Lightning
-
CryptoCurrency2 weeks ago
Journeys: Robby Yung on Animoca’s Web3 investments, TON and the Mocaverse
-
CryptoCurrency2 weeks ago
‘Everything feels like it’s going to shit’: Peter McCormack reveals new podcast
-
CryptoCurrency2 weeks ago
SEC sues ‘fake’ crypto exchanges in first action on pig butchering scams
-
CryptoCurrency2 weeks ago
Bitcoin price hits $62.6K as Fed 'crisis' move sparks US stocks warning
-
CryptoCurrency2 weeks ago
CZ and Binance face new lawsuit, RFK Jr suspends campaign, and more: Hodler’s Digest Aug. 18 – 24
-
Fashion Models2 weeks ago
Mixte
You must be logged in to post a comment Login