Money
Four reasons why your PIP payments could be STOPPED – and checks to make to avoid losing cash
MILLIONS suffering from long-term health conditions or disabilities get extra help through Personal Independence Payment (PIP).
The payments can be worth as much as £108.55 a week, so if you don’t claim it already, it could be a good idea to check if you’re eligible.
PIP is available to those aged 16 or over but have not yet reached the state pension age.
Crucially, you must also have a health condition or disability where you either have had difficulties with daily living or getting around – or both- for three months.
You should also expect these difficulties to continue for at least nine months (unless you’re terminally ill with less than 12 months to live).
But even if you’ve got an active claim for PIP, there are some scenarios where they can be stopped.
Tom Farquhar, benefits information specialist at disability charity Scope, has shed light on four of them.
He said last year: “When it comes to your PIP there are certain changes that you might need to report to stop your benefit being cut off by the DWP.
“There are risks associated with not reporting a change in your situation, including overpayment or even prosecution.
“That’s why it’s important to report the following changes to DWP as soon as possible.”
Going into hospital
If you have to go into hospital for more than 28 days, the Department for Work and Pensions (DWP) will pause your PIP.
However, if you are under 18 or paying for a private hospital stay, payments won’t be stopped.
It’s worth noting if you leave the hospital before the 28 days is up, you can still have payments stopped if you go back.
Tom said: “If you go back to hospital within 28 days of leaving, it will count as the same stay and add up.”
As an example, someone might go to hospital for 20 days and then go home.
After 10 days at home, they might go back into hospital.
The DWP would stop paying this person PIP if they were in hospital for more than eight days.
The same 28-day rule applies if you go into a care home.
Again, if you are paying for the care home privately this rule won’t affect you.
Going to prison
The DWP will stop PIP payments if you are in prison or held in custody for 28 days or longer.
Once you are no longer in prison or custody it is your responsibility to contact the DWP and tell them you are out.
Tom said: “Once you are no longer in prison or custody you’ll need to contact the them and they’ll start payments up again.”
You go abroad
If you leave England, Scotland or Wales, for more than 13 weeks the DWP will stop any PIP payments.
If you leave these same countries because you need medical treatment, you have longer until you stop receiving payments.
Tom said: “If you leave Great Britain for longer than 13 weeks, or 26 weeks if you go for medical treatment, the DWP will stop your PIP payment.”
Your personal circumstances change
If your personal details change, such as name or address, or your doctor changes you could see PIP payments stop.
So you should tell the DWP as soon as possible about any changes to avoid this.
Any changes to your personal circumstances might impact what elements of PIP you can receive too.
Tom said: “It’s important to report these changes so that you can get the correct amount of PIP for your needs, and to avoid being cut off or prosecution for not relaying updates.”
You can update the DWP on any change in circumstances via their enquiry line – 0800 121 4433.
If your PIP payments have stopped and you don’t know why, you can call Scope for help on 0808 800 3333.
The helpline is open seven days a week, Monday to Friday between 9am and 6pm, and 10am to 6pm at the weekends.
Alternatively, you can email helpline@scope.org.uk.
What is PIP?
PIP is a benefit given to people suffering from a long-term physical or mental health condition or disability.
This condition might make it hard for you to carry out certain everyday tasks or get around.
You can get the benefit even if you’re working, have savings or are getting most other benefits.
There are two parts to PIP – the daily living part and the mobility part.
You might be entitled to the daily living part of PIP if you need help with:
- Eating, drinking or preparing food
- Washing, bathing and using the toilet
- Dressing and undressing
- Reading and communicating
- Managing your medicines or treatments
- Making decisions about money
- Socialising and being around other people
You might be entitled to the mobility part if you need help with:
- Working out a route and following it
- Physically moving around
- Leaving your home
PIP is made up of two parts and whether you get one or both of these depends on how severely your condition affects you.
How much you get also depends on how your condition affects you.
You may get the mobility part of PIP if you need help going out or moving around. The weekly rate for this is either £26.90 or £71.
While on the daily living part of PIP, the weekly rate is either £68.10 or £101.75 – and you could get both elements, so up to £172.75 in total.
You’ll be assessed by a health professional to work out the level of help you can get and your rate will be regularly reviewed to make sure you’re getting the right support.
Who is eligible?
PIP is available to people aged 16 or over but not yet at the state pension age.
You must have lived in England or Wales for at least two of the last three years, and be in one of these countries when you apply.
The process is different in Northern Ireland, and there are additional rules if you live abroad or if you’re not a British citizen.
In Scotland, you will need to apply for Adult Disability Payment (ADP) instead.
Crucially, you must also have a health condition or disability where you either have had difficulties with daily living or getting around (or both) for three months, and you expect these difficulties to continue for at least nine months (unless you’re terminally ill with less than six months to live).
You can claim PIP at the same time as other benefits, except the armed forces independence payment.
If you receive constant attendance allowance you will receive less of the daily living part of PIP.
If you get war pensioners‘ mobility supplement you will not get the mobility part of PIP.
Money
Krispy Kreme is launching beloved Halloween movie-inspired doughnuts with four new flavours
KRISPY Kreme is launching a special range of Halloween doughnuts inspired by a beloved movie.
The four new flavours honour the 40th anniversary of a 1984 classic film and are available in select stores now.
The doughnuts were created to celebrate four decades since the release of Ghostbusters.
The 1984 classic, featuring Bill Murray and Sigourney Weaver, has been lauded as one of the most iconic blockbusters of the 1980s.
The all-new Krispy Kreme x Ghostbusters Collection consists of four fresh flavours inspired by the movie, to get you in a spooky mood.
For a limited time at participating Krispy Kreme shops, guests can enjoy the new doughnuts in a limited-edition custom Ghostbusters dozens box.
The new treats include:
- Ghostbusters (from £3.15) – an Original Glazed dipped in chocolatey icing, topped with dark biscuit crumb, silver sugar and a No Ghost logo plaque.
- Slimer (from £3.15) –filled with green lemon filling, dipped in purple icing, piped with green icing and a Slimer plaque.
- Ecto-Sprinkles (Feature Pack exclusive) – an Original Glazed dipped in orange icing and half rolled in Halloween sprinkles.
- Spooky Sprinkles (from £2.65) – Original Glazed dipped in chocolatey icing and topped with Halloween sprinkles.
Dave Skena, Global Chief Brand Officer for Krispy Kreme, said: “Yes it’s true, these treats are no trick.
“When it comes to Halloween this year, you know who to call.
“Krispy Kreme is the gatekeeper to Halloween sweetness and Sony Pictures Consumer Products is the key master to bring spooky-sweet Ghostbusters doughnuts to our fans this year.
“You’re welcome, Gozer.”
Krispy Kreme and Ghostbusters fans can also get a limited time Krispy Kreme dozen (from £ 25.95) featuring the Ghostbusters, Slimer, Ecto-Sprinkles and Original Glazed Doughnut.
The dozen are delivered fresh daily to all Krispy Kreme shops, selected grocery shops, and are also available for delivery straight to your door via nationwide delivery.
For more information about the Halloween range, please visit https://www.krispykreme.co.uk.
Money
Over 70,000 festive roles on offer today – from Sainsbury’s to M&S
FANCY getting yourself an early Christmas present? Then apply for a festive job.
With the big day just ten weeks away, employers are gearing up to hire almost a quarter of a million seasonal staff.
And many temporary jobs can become permanent if you show bosses you are a good fit for them, so you could launch into a new career.
The number of jobs is up on last year and many roles offer perks including staff discounts on your shopping.
This week and next, we will bring you the brightest and best Christmas opportunities. On this page there are more than 70,000 jobs up for grabs.
One big festive employer is Sainsbury’s with 18,000 jobs in stores, delivery and warehouses plus a further 2,000 at Argos.
The retailer offers free food during shifts and a ten per cent discount at Sainsbury’s and Argos for eligible colleagues.
Prerana Issar, chief people officer at Sainsbury’s said: “Joining us during this busy time is a fantastic opportunity to meet great people and acquire skills that will stay with you long after the festive season.”
Apply at sainsburys.jobs/christmas.
Another big Christmas recruiter is M&S, with 11,000 jobs, up 1,000 on last year. See jobs.marksandspencer.com/christmas.
Superdrug has 1,000 sales adviser roles showing at Superdrug.jobs and Poundland is hiring 1,000 Christmas helpers at poundlandcareers.co.uk.
Freemans.com has 20 vacancies for warehouse staff sending Christmas orders out around the UK.
After working in care through the pandemic, Alison Heatley joined Freemans as a festive temp and now has a permanent role with the company.
Alison, 48, from Bradford said: “If you are thinking about applying for a Christmas job, just do it.
“You have nothing to lose and lots to gain.
“I made myself available for work and showed that I wanted to learn new roles and it definitely helped with landing a permanent job at Freemans.
“I feel that all my efforts at work have paid off and I am so glad I made the change.”
Apply at mach.co.uk
Currys has 1,000 vacancies in store plus 100 permanent 7.5 tonne delivery & install driver jobs. Apply at curryscareers.co.uk.
At Iceland, there are jobs for 750 delivery drivers and more than 1,000 retail assistants. For details see icelandcareers.co.uk.
Photo and personalised gift chain Max Spielmann, which is part of the Timpson group, is taking on 200 staff. See timpson.co.uk/about/careers-at-timpson.
The Range is taking on around ten temp staff for each store, with 2,000 needed nationwide. See therange.co.uk/careers.
GET AHEAD OF GAME IN KIDS’ SHOP
BRIMMING with elf confidence? Then use your skills to spread some Christmas cheer by working in a toy shop.
The Entertainer has launched its biggest-ever festive recruitment drive with more than 1,000 jobs available nationally.
Many employees who joined The Entertainer on seasonal contracts have stayed with the business and progressed into store, field and head office and area manager roles with the retailer.
CEO Andrew Murphy said: “We need enthusiastic people with a love of toys to help sprinkle some Christmas magic in all our stores for the festive period.”
Visit thetoyshop.com.
Festive recruitment
THERE are two firms employing almost as many festive helpers as Santa – both are recruiting now.
The Royal Mail is hiring 16,000 temporary staff over the festive season.
To apply for a role, email christmas_helpline @royalmail.com, call 0345 600 1785 or go to Christmasrecruitment.royalmailgroup.com.
Amazon needs to fill 15,000 seasonal positions nationwide, with pay from a minimum of £13.50 per hour, rising to £14.50 depending on location. Apply at jobsatamazon.co.uk.
HOW TO BAG SEASONAL POST
WITH the annual festive season recruitment push in full swing, what’s the best way to secure a job?
Here Anne Brewster, from Jobcentre Plus in Grimsby, shares her expert advice.
- BE PROACTIVE: The earlier you look, the best chance you have of securing a seasonal role. Speak to your Jobcentre work coach about what might be the best fit or visit gov.uk/find-a-job.
- RESEARCH THOROUGHLY: Before you even secure an interview, make sure you research the employer you are applying to. The more information you have at your fingertips, the better you will present.
- EXPLORE JOB HELP: Use the Department for Work and Pension’s dedicated website at jobhelp.campaign.gov.uk. It is home to all types of support, including information about extra help that might be on offer such as training courses plus tips on job-seeking.
- TAILOR YOUR APPLICATION: Adapt your CV or personal statement for the role you are applying for. Submitting a bespoke application gives you the opportunity to highlight what experience and skills you already have that mirror what the vacancy needs.
- LOOK TO THE LONGER TERM: Treat any role as though it was a permanent job. Learn new skills and show willing.
Jobspot
PARCEL firm Yodel needs 2,500 couriers and 600 warehouse staff. See yodelopportunities.co.uk.
- Stonegate, the pub and bar chain, is looking for 1,000 festive staff. Find a job at stonegatecareers.co.uk.
SMYTHS TOYS also has 1,000 vacancies for sales assistants.
A spokeswoman said: “We pride ourselves on developing employees skills and knowledge and there are great career progression opportunities for those who want them.”
See smythstoys.com/uk/en-gb/careers to find a job.
Money
Full list of firms who will offer mortgages to over-60s – and the best rates you can apply for
GETTING a mortgage past retirement age used to be a hurdle that was hard to jump over, but older home buyers and borrowers have more options than ever before.
Lenders have become more flexible in their criteria and deals for homeowners heading into their later years.
Some providers now have no maximum age limit at all, giving older borrowers the chance to get the home they want.
It comes as first-time buyer ages have gradually increased over the past few years, as higher house prices mean it is more difficult than it used to be to get on to the property ladder.
At the same time, people are living for longer and working past the traditional State Pension age in many cases.
In some cases, this may be out of financial necessity but it can also be for enjoyment and to keep mentally or physically active in later life.
As a result, lenders have adapted to changing patterns.
Chris Sykes, at financial firm Private Finance, said: “Lenders have indeed become more flexible in this space in recent years.
“It might sound like some people’s worst nightmare to have finance into later life, but for some it’s a lifeline as they can’t pay for food with bricks.
“Others haven’t been able to get on the property ladder as early in life as they would have liked, and some would rather pay monthly but raise capital for children or even grandchildren to buy.”
Whatever the reason for wanting to borrow, the chances are that there will be lenders willing to look at your case.
Chris added: “Mainstream lenders are taking employed and self employed income later and later in life, often to 75 now, some to 80 even.
“But the lenders who really specialise in this space is specialist building societies.”
Big lenders usually have set criteria for mortgage applicants which will specify things such as the age you will need to be by the time your mortgage ends.
However, specialist lenders such as building societies are more likely to look at applicants on a case-by-case basis.
As long as these lenders think you will still be able to afford to make the mortgage repayment at a later age, you could find that you are accepted at almost any age.
In some cases, pension payments will even be an accepted form of income whereas in the past it wasn’t.
Mr Sykes said: “Building societies are having to innovate in their criteria in order to win business so can be flexible.
“Often as you get into your 70s, lenders are looking at incomes guaranteed into later life, such as pensions. investments and buy to lets.
“But also if you own a business that pays you and is family-run, for example.”
Lenders typically assess whether you can qualify for a mortgage based on your income through your job.
The best mortgage rates for over-60s
A borrower who is 60 and looking for a five-year fixed-rate mortgage today has plenty of choice and can get sub 4% rates.
The scenario assumes the borrower has an income of £50,000 and wants the mortgage for a 25-year term on a loan to value of 60%, according to data supplied by broker John Charcol,
The lowest rate is with Barclays with a competitive offering of 3.7%, it’s the only high street lender in the top five.
The rest of the leading rates are from building societies with Newbury offering 4.39%, Darlington 4.49%, Cambridge 4.69% and Family 4.74%.
Some building societies have specialist conditions such as requiring you to live within a particular region of the country.
The mortgages also come with different product fees which need to be taken into account when looking at the overall value of the deal.
An independent mortgage broker can help you understand the best deals available to you in your specific circumstances.
SPECIALIST LENDING
As well as traditional mortgage products there are also specialist products available to older borrowers.
Retirement interest only mortgages, for example, have increased in popularity.
These loans are available to borrowers over 55 and allow borrowers to pay a fixed amount of interest on a loan with the underlying sum paid off from the property when the owner dies or moves into long term care.
There are currently 181 retirement interest-only mortgages available, according to data site Moneyfactscompare.co.uk, compared to 104 products in 2021.
Caitlyn Eastell from the site, said: “Many people may have existing mortgage debt as they approach retirement age or are simply choosing to continue working past typical retirement age.
“S0, it is positive news to see a rise in the number of Retirement Interest Only products available to later-life borrowers despite only being a niche sector of the market.
“RIO mortgages are a way for older homeowners to continue borrowing into retirement and may well help with monthly repayments as it removes the need to repay the capital sum, which could appeal to those who are indeed relying on their pension to make payments.
“In any case, it is important borrowers seek advice before committing and ensure they are making the correct decision to suit their needs.”
Equity release is another product that may suit older homeowners looking to borrow cash.
You’ll need to get professional advice before you take out specialist lending products.
Later life advisers can help you to navigate the options available to you whether it’s a mainstream mortgage or a specialist product is best for your particular circumstances.
How to get the best deal on your mortgage
IF you’re looking for a traditional type of mortgage, getting the best rates depends entirely on what’s available at any given time.
There are several ways to land the best deal.
Usually the larger the deposit you have the lower the rate you can get.
If you’re remortgaging and your loan-to-value ratio (LTV) has changed, you’ll get access to better rates than before.
Your LTV will go down if your outstanding mortgage is lower and/or your home’s value is higher.
A change to your credit score or a better salary could also help you access better rates.
And if you’re nearing the end of a fixed deal soon it’s worth looking for new deals now.
You can lock in current deals sometimes up to six months before your current deal ends.
Leaving a fixed deal early will usually come with an early exit fee, so you want to avoid this extra cost.
But depending on the cost and how much you could save by switching versus sticking, it could be worth paying to leave the deal – but compare the costs first.
To find the best deal use a mortgage comparison tool to see what’s available.
You can also go to a mortgage broker who can compare a much larger range of deals for you.
Some will charge an extra fee but there are plenty who give advice for free and get paid only on commission from the lender.
You’ll also need to factor in fees for the mortgage, though some have no fees at all.
You can add the fee – sometimes more than £1,000 – to the cost of the mortgage, but be aware that means you’ll pay interest on it and so will cost more in the long term.
You can use a mortgage calculator to see how much you could borrow.
Remember you’ll have to pass the lender’s strict eligibility criteria too, which will include affordability checks and looking at your credit file.
You may also need to provide documents such as utility bills, proof of benefits, your last three month’s payslips, passports and bank statements.
Money
The secret boiler button that can slash heating bills by £150
A secret boiler button could slash your heating bills by a whopping £150.
There’s claims that average gas bills could go down by as much as 9per cent by turning your boiler flow temperature down.
Families are trying to find ways to stave off energy costs down while keeping warm during the winter months.
But energy experts from one of the UK’s biggest money saving expert’s have revealed some top tips on how to combat heating bills as temperatures plunge.
Ben Gallizzi, energy expert at Uswitch.com, said: “The boiler flow rate controls how hot the water is when it leaves the boiler and goes to your radiators. It’s separate to heating and radiator controls.
“Reducing the flow rate can make your boiler run more efficiently, which can save you energy and money.
“People with a condensing combi boiler may be able to turn down the flow temperature to save themselves some money on their energy bills.
“For combi boilers, the recommended output temperature for the radiators is 75C and at least 60C for water, which is the temperature that kills legionella bacteria.”
Flow rate control work is a key element that homeowners can use to lower their payments.
Which? Energy Editor Emily Seymour explained why it’s important.
She said: “Most homes are heated by wet central heating. The heating flow temperature of your boiler is the temperature at which water leaves your boiler on its journey to your radiators.
“By default, many boilers are set to heat this water to 75-80C. But many homes with condensing combi boilers can be suitably warmed with heating flow temperatures of 60-65°C or lower.
“Lowering that temperature means your boiler uses less gas and operates more efficiently.
“Combi boilers also let you select how hot the water supplied to your taps is. As a result, you can adjust both your heating and hot water temperature separately.
“Water comes back from radiators into your boiler when it reaches a certain lower temperature, ready to be heated up again. This is called the return temperature.
“The return temperature is likely to be 60 degrees if you have a flow temperature of 80 degrees.”
By tweaking it, you could save yourself a fair bit of cash if your home is well insulated.
Your average gas bills could go down by as much as 9per cent by turning your boiler flow temperature down – which equates to roughly £150 a year.
But for those that aren’t well insulated or have small radiators, the benefits may not be as good.
To change your boiler’s flow temperature, Emily says: “On a combi boiler, flow temperature for heating is usually shown by a radiator symbol and, for hot water, a tap symbol.
“Use the up and down arrows to adjust the temperature.”
It is important to note that the Heating & Hot Water Industry Council (HHIC) recommends that people adapt their boiler settings with the advice of a boiler engineer.
But if you have a combi boiler, you’ve made sure it’s safe and you’ve checked your boiler’s technical manual, you can adjust these settings yourself.
This setting is accessible to anyone and it can be changed using your boiler controls.
4 ways to keep your energy bills low
Laura Court-Jones, Small Business Editor at Bionic shared her tips.
1. Turn your heating down by one degree
You probably won’t even notice this tiny temperature difference, but what you will notice is a saving on your energy bills as a result. Just taking your thermostat down a notch is a quick way to start saving fast. This one small action only takes seconds to carry out and could potentially slash your heating bills by £171.70.
2. Switch appliances and lights off
It sounds simple, but fully turning off appliances and lights that are not in use can reduce your energy bills, especially in winter. Turning off lights and appliances when they are not in use, can save you up to £20 a year on your energy bills
3. Install a smart meter
Smart meters are a great way to keep control over your energy use, largely because they allow you to see where and when your gas and electricity is being used.
4. Consider switching energy supplier
No matter how happy you are with your current energy supplier, they may not be providing you with the best deals, especially if you’ve let a fixed-rate contract expire without arranging a new one. If you haven’t browsed any alternative tariffs lately, then you may not be aware that there are better options out there.
Money
I tested supermarkets own-brand Digestives – winner was more than £1 cheaper than McVitie’s & I couldn’t tell difference
IF you feel like you are getting a crumby deal on big-name biscuits, you’d be right.
A packet of McVitie’s Digestives has shrunk by as much as 28 per cent since 2014, despite prices rising by 129 per cent over the past decade.
So could the supermarket versions offer better value?
It’s crunch time as Laura Stott tries the own-brand digestives.
Aldi Belmont Digestives – 29 biscuits, 400g, 57p
IN true Aldi dupe style, the packet looks very like the McVitie’s one, which costs over a quid more.
But put these in a biscuit tin and it’s doubtful anyone will notice the difference.
And you get the most biccies per packet too.
Rating: 5/5
Tesco Digestives – 28 biscuits, 400g, 70p
THESE looked the part, but tasted disappointing and the texture is too dry.
The packet claims the biccies are crumbly and crunchy.
Instead they tasted dusty, with a few falling apart before I had a chance to dunk them in my cuppa.
Rating: 1/5
M&S Digestives – 25 biscuits, 400g, 80p
WHILE pricier than other super- market versions, these deluxe digestives from M&S are still good value compared with McVitie’s.
Sweeter than some on test but in a rich, mellow and smooth way.
Extremely tasty.
Rating: 4/5
Lidl Tower Gate Digestives – 26 biscuits, 400g, 57p
A GREAT value option from Lidl without compromising on flavour – they taste rich and sweet.
They also held up well during a cup-dunk.
But a shame there were fewer in the pack than many other own-brand offerings.
Rating: 4/5
Sainsbury’s Digestives – 28 biscuits, 400g, 70p
WITH a darker colour, these had a more wholesome flavour and were thick, offering a good crunch.
The biccies also had a milky and nice malty aftertaste and paired well with a cuppa.
A quality product at a great price.
Rating: 3/5
Asda Digestives – 27 biscuits, 400g, 70p
A GREAT-value offering with plenty to go round.
Sweeter than others on test, with an orangey hue and not very chunky, but the taste still hit the spot.
These also had a lovely aroma too, which made it hard to stop at just one.
Rating: 3/5
Morrisons Digestives – 27 biscuits, 400g, 70p
A GOOD ratio of crumble to crunch that stood up well in the cuppa dunk.
The flavour was pleasant too – not overtly sweet and with plenty in the packet.
These were thicker than some of the others, adding a pleasant texture.
Rating: 3/5
McVitie’s Digestives – 24 biscuits, 360g, £1.80, Tesco
AT well over a £1 more per packet than most supermarket versions, there are also fewer biccies, with only 24 inside.
They are enjoyable – but paying nearly two quid for them left a rather bad taste.
Rating: 2/5
Money
‘Keep an eye out’ warns shopper after bagging garden chair scanning for £22 instead of £215
A SHOPPER has warned people to “keep an eye out” after they bagged a garden chair that was reduced by 90%.
Lucky saver Christina shared her bargain in a post on Facebook after finally receiving delivery of the rocking seat.
The Maya Mango Rocking Chair she purchased had been reduced by a whopping 90%.
Instead of its regular retailing price of £214.99, Christina managed to nab it for just £21.99.
It had been listed on retail site Studio, which is owned by the Frasers Group alongside Sports Direct and House of Fraser.
Christina’s post on Facebook group Extreme Couponing and Bargains UK read: “Studio bargain.
Read More on Deals and Sales
“Took about a week to arrive.
“I’ve seen it go in and out of stock.. keep an eye out.”
More than 100 users were quick to comment underneath the post, desperate to grab the deal for themselves.
One said: “I want one of these for my bedroom.”
Another added: “I have one so comfy would recommend it.”
Others tagged their friends and family saying “keep an eye out for me please.”
One unlucky shopper, however, had the misfortune of buying the item at a much higher price just weeks before.
They said: “Oh my gutted, I bought this 4 weeks ago at 100 quid.”
Since Christina’s post, however, the item has now disappeared from Studio‘s website, indicating it may now be out of stock.
However, Christina added that while it’s not currently showing, it “keeps coming back and going again” like many other items at the moment.
This means there may be hope it returns at its major discount soon.
Studio is currently running a warehouse closing down sale, where it offers up to 90% off countless products.
It always pays, however, to compare prices so you know you’re getting the best deal.
There are countless other garden chairs listed online but many cost much more money.
The cheapest rocking garden chair we could find is currently listed at £45 from IKEA.
However, if you want one that looks most similar to the Studio product, Temu currently has a chair priced at £101.
Prices can also vary day to day and by what deals are on at the time, plus remember you might pay for delivery if you’re ordering online.
You can compare prices on platforms like Google Shopping.
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.
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