Money
CISI names new financial planning chair
The Chartered Institute for Securities & Investment (CISI) has appointed Carly Dunningham as chair of its financial planning forum committee.
The forum encourages members to share their ideas and best practices while helping to develop the existing and next generation of financial planning professionals.
It also provides an opportunity to meet other professionals and engage in open discussions in a confidential setting as they are held under Chatham House rules.
Dunningham, a certified financial planner and director at Verso Wealth Management, has been in the profession for over 22 years.
She has been a member of the CISI financial planning forum committee since 2023.
Dunningham will take over the role from Amyr Rocha Lima, who is stepping down in November.
Commenting on her appointment, Dunningham said: “I am thrilled to be taking on the role of chair of the CISI’s Financial Planning Forum.
“It was a true honour to be voted in by my fellow committee members.
“As a passionate advocate for the power of proper financial planning, I’m excited to have this opportunity to help the forum make a real difference to our profession and for the people in it.
“I am looking forward to raising our profile to get more people into this amazing career and increasing public awareness about what good financial planning actually is.”
CISI head of financial planning policy and engagement, Chris Morris, said: “I would like to thank Amyr for all his years of support as chair of the financial planning forum.
“He has been a tremendous advocate for CFP professionals in the UK and has made a significant contribution to raising the profile of financial planning.
“I am delighted that Carly will become the new chair of the forum in November 2024.
“Her passion for financial planning is second to none and I look forward to working with her and the committee.”
Money
Exact bank holiday dates to book annual leave around in 2025 to double your days off
BOOKING days off around bank holidays next year can maximise your leave and even double your time off.
The tactic could give you 58 days off in 2025 while using only 28 days of annual leave (the average for Brits).
Of course this doesn’t mean you magically get more days off in the year.
It means that you get more days off in a row which allows you to appreciate the break properly.
Whether this means jetting off or just chilling on the sofa – you don’t want to miss out on the opportunity for some extra rest and relaxation.
Here are all the dates you should book off in 2025 to maximise your leave.
NEW YEAR
- Book two days of holiday to get five days off
- OR book four days for nine days off
- OR book seven days for 16 days off
If your bosses are friendly and you’ve still got the chance to book some leave around New Years – then here’s when to do it.
The New Year bank holiday is on a Wednesday which means if you booked the Thursday and Friday (January 2 and 3) you could end up with a total five days off.
This is because you would run into the weekend allowing an entire Wednesday to Sunday free.
If you get really lucky with the rota you could also book December 30 and 31 off which is the Monday and Tuesday beforehand.
This means you’d get a total nine days off from the Saturday (December 28) through to the following Sunday (January 5).
And finally for a whopping 16 days off you could also take December 23, 24 and 27.
If taking from two different years’ leave allowances you might not be using up as much holiday as you think.
EASTER
- Book four days of holiday to get 10 days off
- OR book eight days to get 16 days off
Easter bank holiday falls from April 18 (Good Friday) until April 21 (Easter Monday) next year.
This means if you booked holiday on the Monday to Thursday beforehand (April 14 to 17) then you could get 10 days on the trot.
And even better – if you also claimed the four days after Easter Monday (April 22 to 25) you would get that including the following weekend too.
Which, running from April 12 until 27, is 16 days overall.
MAY
- Book four days of holiday to get nine days off
In May there are two bank holidays on the Monday 5 and 26.
This means by taking the Tuesday to Thursday off on these weeks you could gain a total 9 days holiday.
For example, you would have the Saturday (May 3) til the following Sunday (May 11).
Or the Saturday (May 24) til the following Sunday (June 1).
AUGUST
- Book four days of holiday to get nine days off
In the summer, there’s also a bank holiday on August 25.
This means if you book the Tuesday to Friday off – so August 26 to 29 – you could get a total nine days.
That’s nine days from Saturday, August 23 til the following Sunday, August 31.
DECEMBER
- Book four days of holiday to get 11 days off
- OR book seven days to get 16 days off
2025 Christmas bank holidays will fall on Thursday, December 24 for Christmas Day and Friday, December 26 for Boxing Day.
One option is that you could book off December 22, 23 and 24 to get a nine-day leave from December 20 to Monday, December 29.
Or you could book off December 29, 30 and 31 and January 2 (you don’t need to book the October 1 as this is already a bank holiday).
Then you’ll have a total 11 days including the weekend.
And if you book all seven days as holiday, you’d get 16 days from December 20 right through to January 5.
You could even split this between your 2025/26 annual leaves so it doesn’t feel like you’re throwing too much away in one go.
The full list of benefits that could be affected by the bank holiday
HERE are all the benefits the government lists on its website that could be moved forwards and how often they are usually paid:
- Attendance allowance – usually paid every four weeks
- Carer’s allowance – usually paid every four weeks
- Child benefit – usually paid every four weeks (weekly for some parents)
- Disability living allowance – usually paid every four weeks
- Employment and support allowance – usually paid every two weeks
- Income support – usually paid every two weeks
- Jobseeker’s allowance – usually paid every two weeks
- Pension credit – usually paid every four weeks
- Personal independence payment – usually paid every four weeks
- State pension – usually paid every four weeks
- Tax credits (such as working tax credit) – usually paid every four weeks
- Universal Credit – every month
WHAT ARE YOUR RIGHTS TO TIME OFF?
You’ll usually need to check in with your employer before booking holiday as this is typically arranged around workload and rotas.
Most employers who work a five-day week must get at least 28 days’ paid annual leave a year – which is around 5.6 weeks.
By making sure you maximise your leave dates you could squeeze in holiday much easier.
It’s also always best to ask as early as possible to get more chance of approval – and not to mention that it’ll be cheaper to buy a holiday if you get in early.
Always make sure your holiday is definitely approved before making any purchases – you could risk losing out on a lot of cash.
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
Five gruesomely good treats to make with your kids for Halloween
GET ready for Halloween by making these fiendishly good treats during half term.
It’s the perfect way to keep your little monsters entertained . . .
EDIBLE SLIME: Marshmallow slime popcorn is a must-try.
Melt marshmallows, 75p, with a bit of butter and green food colouring, 69p, both from Aldi.
Drizzle this over freshly popped popcorn — see our Cheap Treat option from Asda.
The kids will love the sticky slime, and this is a snack that’s equal parts spooky and sweet.
READ MORE MONEY SAVING TIPS
CHOCOLATE BROOMSTICKS: Create cute witches’ broomsticks with a healthy twist.
You need strawberries, £1.39, pretzel sticks, £1.80 a pack, and Molly’s milk chocolate, 49p, all from Tesco.
Cut the tops off the strawberries and place them cut-side down.
Stick a pretzel stick on top as the broom handle.
Melt the chocolate and spoon it over the strawberry from the base to the pretzel to create “brush hairs”.
Leave to set in the fridge.
S’MORE SAVER: Eyeball s’mores bring a creepy twist to a camping favourite.
Sandwich marshmallows, £1.49 at Lidl, between two biscuits you already have.
Use icing pens, £2 per pack at Asda, to draw spooky veins and pupils onto the marshmallow.
When toasted over a flame or hob, the marshmallow “eye” will ooze out for an extra-gory look.
BRAIN BLAST: Give Belmont teacakes, 85p from Aldi, a terrifying makeover by turning them into brains.
Peel the chocolate off the teacakes and pipe red or pink icing over the top in swirly, brain-like patterns.
MILKY GHOSTS: Buy a giant Nesquik at Poundland for £2.50 and mix your milkshakes.
Get some glasses or clear tumblers and smear a few spoonfuls of Fluff marshmallow spread, £2.20 from Sainsbury’s, in random places on the inside of the glass — these are “ghosts”.
Pour in your milkshake and, on the outside of the glass, use a black felt tip to draw temporary ghoulish faces.
The ghosts will look like they are floating in the drink.
- All prices on page correct at time of going to press. Deals and offers subject to availability
Deal of the day
PICK up a new set of wheels at Halfords, with up to 20 per cent off selected adult bikes including the Indi TC1 men’s hybrid cycle, previously £145, now £116.
SAVE: £29
Cheap treat
GRAB Eazy Pop Magicorn microwave popcorn for cosy nights in.
Usually 70p per 85g pack, both sweet and salted varieties are now 35p at Asda.
SAVE: 35p
What’s new?
COSY up in a hoodie blanket from onlinehomeshop.com, available in a variety of colours.
This comfortable pink one is down from £17 to just £5.99.
Top swap
STEP into winter in a pair of Frye Campus boots, £457.57, thefryecompany.com, which have gone viral this year.
Or pick up a pair of Gracelands in imitation suede, for £54.99 at deichmann.com.
SAVE: £402.58
Little helper
GET ready for Halloween at Poundland – the Makeup Gallery collection starts at £1 for nail polish and £2 for devilishly red lipstick. In-store only.
Shop & save
TUCK in to a tasty treat with two 9oz rump steaks for £8 at Morrisons.
They are usually £4.50 each.
SAVE: £1 on two packs
Hot right now
SAVE even more on premium products in the lookfantastic.com outlet selection. Emporio Armani He EDT 50ml is £22.80 – 60 per cent off the RRP.
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
EuroMillions winner loses out on whopping £1million lottery jackpot after making HUGE blunder
LOTTO bosses have revealed that a EuroMillions winner lost out on a whopping £1million jackpot after they made a huge blunder.
Allwyn, the operator of The National Lottery, confirmed that the £1,000,000 prize from the EuroMillions UK Millionaire Maker draw on April 16, 2024, has gone unclaimed for over 180 days since the draw.
The ticket holder bought their EuroMillions ticket in Rhondda Cynon Taf.
However, they missed the deadline to claim the prize, which was at midnight on October 13.
Andy Carter, Senior Winners’ Advisor at The National Lottery, said: “Unfortunately, I can confirm that the ticket-holder did not come forward within the deadline to claim their prize and has now sadly missed out on this substantial amount of money.
“However, the money will now add to the £30M raised each week for National Lottery-funded projects.”
Experts had previously warned lottery fans not to make a stupid mistake to risk losing out on mega jackpots.
Earlier this year, a lucky Brit hit bagged an eye-watering £12.6million.
Yet the winner still hasn’t claimed their huge cash prize.
At the time, Andy said: “Imagine being a millionaire and not even knowing it.
“And then imagine being a Lotto jackpot-winning multi-millionaire and being unaware!”
It comes after a lottery expert revealed the biggest mistakes players make.
Laura Pearson, vice president of global corporate affairs at Lottoland, shared tips on what to avoid and how to improve your chances of winning a jackpot prize.
Aiming too high
According to Ms Pearson, one of the biggest errors lottery players make is only gambling on the biggest jackpots.
As the size of the jackpot increases, the odds go down and the number of players tends to increase, making winning less likely.
“People should understand, first of all, that the bigger the jackpot, the bigger the odds are against them winning it,” she explained.
“This is because the higher the jackpot amount is, the greater the hype, so more people buy tickets.”
Instead, she suggests players consider opting for a lower cash prize that’s generating less attention.
And if you’re trying to beat the odds, don’t just focus on the jackpot odds, which tend to be what you’ll see first.
Instead, look in more detail at the various prize tiers each game offers and the odds of winning each of those.
“Learning the odds of different lottery games can make all the difference and might make you reconsider your favourite lottery,” Ms Pearson added.
Trying to pick ‘lucky numbers’ or ‘patterns’
Many of the largest lottery wins end up being shared out between a number of people, and there’s one big reason for this.
We all have a subconscious tendency to pick the same numbers, even if we’re trying hard to be different.
By thinking you’re picking “lucky” or “special” numbers, you’re increasing your chances of ending up with the same numbers as your peers.
This means you could miss out on taking home the jackpot all to yourself if your numbers do win.
“We see a lot of people who pick the number 7, and we also see a lot of people who try the reverse psychology approach and pick 13,” Ms Pearson said.
“Most common of all, though, are all the people picking numbers based on dates between 1 and 31 – a large proportion of whom all end up with the numbers 19 and 20.”
To set yourself apart and increase your chance of taking home the jackpot in full, pick the numbers at total random and don’t let anything else influence your choices.
Ms Pearson recommended using a “quick pick” to generate random numbers, as this doesn’t give you the opportunity to overthink.
Lottoland found many users also try to base their numbers on patterns, such as by drawing shapes on their tickets.
“There is no scientific basis whatsoever for using patterns to determine which numbers to choose, but using this type of system limits the amount of numbers you pick,” Ms Pearson said.
Picking based on previous wins
Another major mistake people make when picking their numbers is looking at previous jackpot wins, according to Lottoland.
You may be tempted to see what numbers have won before, but each lottery draw is entirely unique and past wins are no indicator of which numbers could come up in future.
In fact, it’s even less likely that the same set of numbers will reappear again in a short space of time.
“Any correlation between one draw and the next is purely coincidental, so you should be very wary, and indeed highly sceptical, of any of the so-called ‘lottery systems’ out there,” Ms Pearson warned.
She also advised to be wary of so-called lottery “gurus” or psychics who claim they can help predict the next numbers.
“After all, if you knew the results of a lottery jackpot in advance, would you tell anyone?” she pointed out.
How else can I improve my chances of winning?
No one can predict the next lottery numbers – if they could, they would already be very rich.
But there are some ways you can help increase your chances of winning if you’re prepared to put in a bit of extra work.
For example, you can join a lottery syndicate where you pool your numbers with other players to increase your overall chances of winning.
You may not take home as much of the big jackpot, but you’re more likely to get a cash prize at some point.
Most lottery games also have extra bonus games, such as the Irish Lotto’s Plus 1 and 2 games.
These don’t tend to cost as much as playing a whole new game, so you can boost your chances of winning for less.
Studying the odds is also a good idea for committed players.
You might figure out that you’re unlikely to win certain games, while others with lower cash prizes have a higher chance per game.
What are my chances of winning the lottery?
EVERYONE wants to know how to beat the odds and win the lottery.
But unfortunately, the lottery is a game of luck and there are no tips or tricks that can guarantee you’ll take home a top prize.
The odds show how likely you are to win any particular prize – the lower the number, the better the odds.
For example, odds of 1 in 10 are better than odds of 1 in 100 or 1 in 1,000.
There are several major lottery games in the UK including Lotto by the National Lottery, Camelot’s EuroMillions and Thunderball.
Chances of winning the Lotto
Lotto by the National Lottery is a game where you pick six numbers from 1 to 59. You can play up to seven lines of numbers on each slip.
The game costs £2 to play per slip.
The odds of winning any prize on the Lotto are 1 in 9.3.
But to win the jackpot on the Lotto, the odds are considerably slimmer.
To bag the top prize, you need to have six matching balls. The odds of doing this and scooping the jackpot are currently 1 in 45,057,474.
The next highest prize of £1,000,000 is for getting five main matching balls plus the bonus ball.
The odds of taking home the million-pound prize are 1 in 7,509,579 – far higher than the jackpot, but still unlikely.
The odds of taking home £1,750 for getting five main numbers without the bonus ball are 1 in 2,180, while you have a 1 in 97 chance of bagging £140 for getting four main numbers.
Your chances of taking home £30 for getting 3 main numbers are much better at 1 in 97.
And you have a roughly 1 in 10 chance of getting a free lucky dip for 2 matching numbers.
Chances of winning the EuroMillions
The EuroMillions costs £2.50 to play and is open on Tuesdays and Fridays.
To play, you must pick five numbers from 1-50 and two “Lucky Stars” from 1-12. Players with the most matching numbers win the top prizes.
Your chance of bagging the EuroMillions jackpot is even slimmer than winning the top Lotto prize.
This is because it generally has higher jackpots on offer, meaning it attracts more attention.
Currently, the odds of matching five numbers and two lucky stars – the top win – stand at 1 in 139,838,160.
The average jackpot prize is £57,923,499, according to EuroMillions.
The odds of winning the second top prize for matching 5 balls and a lucky star, which is typically around £262,346, are 1 in 6,991,908.
The chances of taking home the third prize for five matching balls, with an average payout of £26,277, are 1 in 3,107,515.
For four matching balls with two lucky stars, it’s 1 in 621,503, and for four balls with one lucky star, it’s 1 in 31,076. These come with an average price of £1,489 and £95, respectively.
Chances of winning the Thunderball
Thunderball is another game run by the National Lottery where you pick five numbers and one “Thunderball”. It costs just £1 to play and you can enter up to four times a week.
The jackpot of £500,000 for matching five balls plus the Thunderball is 1 in 8,060,598.
Your odds of bagging the next highest prize of £5,000 for matching five balls is currently 1 in 620,046, while the chances of winning £250 for four balls plus the Thunderball is 1 in 47,416.
You have the best chance of winning £3 for matching the Thunderball, with odds of 1 in 29.
Money
Is my Revolut bank account safe?
Revolut bank account – is it safe?
Digital banking provides consumers with convenience and accessibility to banking unlike traditional banks. With digital banking financial services become simpler and consumers can manage their money without the need for a physical branch. The most popular online banking platforms include Revolut, Monzo, Chase, N26 and Wise. These services offer features such as instant money transfers, budgeting tools, and cryptocurrency trading, catering to a tech-savvy audience seeking convenience and efficiency.
According to a survey over 70% of consumers prefer digital banking over traditional methods. More people are shifting to online platforms but the importance of security in digital transactions remains vital with high cases of fraud.
These online services are pulled into question again in October 2024 with Revolut in the spotlight. A Revolut customer recently lost £165,000 to fraud in just one hour, and the company’s refusal to issue a refund despite the system failing has ignited a widespread concern over customer protection with digital banking.
Now people are asking, is digital banking safe for my money?
A Recent Fraud case
A particularly alarming incident occurred recently when a Revolut customer lost £165,000 to fraud within an hour.
According to a BBC report, the individual was targeted in a sophisticated scam that involved a quick and decisive breach of their account. Despite the urgency of the situation and the significant loss, Revolut denied the customer’s request for a refund, citing their policies and the circumstances surrounding the fraud.
The customer has stated the lack of support from Revolut and the time it took to get through to the right team to freeze his Revolut bank account, meaning more money was leaving his account until they acted.
This case has prompted widespread outrage, with many questioning Revolut’s commitment to customer protection. Critics argue that a digital banking account should have robust systems in place to detect and prevent fraud, as well as fair policies for refunding victims. The incident serves as a stark reminder of the vulnerabilities that exist in digital banking and the potential consequences for consumers as banking fraud become more common.
The risk of fraud in digital banking
While the benefits of digital banking are clear, the rise in online transactions has also led to an increase in fraudulent activities. Common types of fraud in digital banking include phishing attacks, where scammers impersonate legitimate institutions to steal personal information, and account takeovers, where unauthorised individuals gain access to a user’s account, in some cases this can lead to identity theft.
Banks should have systems in place to protect their customers from fraud as well as providing support after any fraud incidents.
What measures do digital banking platforms take against fraud?
To combat the rising threat of fraud, digital banks have implemented various security measures. Two-factor authentication (2FA) is one of the most common practices, requiring users to provide two forms of verification before accessing their accounts. Biometric verification, such as fingerprint or facial recognition, is also becoming standard, adding an extra layer of security.
Additionally, many banks are leveraging artificial intelligence and machine learning to enhance fraud detection. These technologies can analyse transaction patterns and identify suspicious activity in real time, allowing banks to act swiftly and prevent unauthorised transactions.
Despite these measures many banks are suffering from high cases of fraud.
Customer protection and refund rates
Customer protection policies differ significantly among digital banks, particularly when it comes to handling fraud claims. Revolut bank, for instance, has faced scrutiny for its refund practices, with critics claiming that its policies do not sufficiently safeguard consumers.
According to industry reports, traditional banks are generally more robust in their refund processes, often offering a higher rate of compensation to customers. This discrepancy raises questions about whether digital banks can maintain customer trust while competing on convenience and innovation.
Make sure you know what to do if you are a victim of fraud. It is important to act fast and protect your money.
Contacting your bank
If you suspect fraud on your account, you should try to act quickly to prevent further theft and protect your money and data. With digital banking, most apps will have a feature for you to freeze your account so the fraudster cannot take anything more out of your account. Then you should contact your bank.
By banking with Revolut you can use the app to block and freeze your card and account at any time. You can also do this by calling +442033228352.
If you are banking with Monzo and predict fraud on your account then you can talk to them on the app 24/7, call them on 0800 802 1281 or if you are outside of the UK call them using this number, +44 20 3872 0620.
If you are banking with Chase then call 08003763333 from the UK, if you are outside of the UK then call +44 2034930829. You can also contact Chase through the Chase app.
If you bank with Wise then you can log the case on the app and contact them on +44 808 175 1506.
N26 bank suggest using your app or webpage login to request blocking your card and account by calling their phone line at +44 2035 107126 or +49 303 6428 6881.
Convenience VS. Security
As digital banks continue to grow, they face the ongoing challenge of balancing user-friendly interfaces with the need for robust security measures. While consumers appreciate the convenience of instant transactions and easy access to their finances, they must also recognise their responsibility in protecting their accounts. This includes using strong passwords, being cautious about sharing personal information, and regularly monitoring account activity.
Have you ever been a victim of fraud and did your bank protect you? Leave a comment below.
Money
Demand for targeted support high among those approaching retirement
Just under two thirds (64%) of those approaching retirement (aged 50-59) find targeted support strategies “appealing”.
This is according to Aegon’s report, ‘The Second 50: Navigating a Multi-Stage Life’, which also found 71% of those aged under 50 back the idea of targeted support.
Males are slightly more supportive, with 69% finding the idea “somewhat appealing” or “very appealing”, compared to 60% of females.
Targeted support is a key proposal of the Advice Guidance Boundary Review, under which the Financial Conduct Authority (FCA) and HM Treasury aims to bridge the gap between basic information or generic guidance and holistic advice.
Aegon proposed to the Government and regulators five core principles it considers essential for the success of targeted support:
- Focus on core consumer needs including Isas, pensions and protection, and excluding complex or risky areas.
- Expand availability beyond manufacturers to include adviser firms and employee benefit consultants.
- Offer to help customers make the best use of existing products, as well as suggesting possible new purchases designed to deliver good outcomes.
- Offer proactively, rather than only when requested by consumers who very often don’t know what support they need and when.
- Accompany with simple disclosures to explain the service and how it compares with advice and other forms of support.
Aegon pensions director Steven Cameron said: “Targeted support is the standout proposal from the Advice Guidance Boundary Review. Our latest Second 50 report shows that the combination of ongoing challenging economic conditions, increased life expectancy and the need for individuals to manage their own finances has made regulated advice more crucial than ever and must be encouraged to thrive.
“However, millions find themselves caught between the ‘rock’ of comprehensive financial advice that can seem expensive, and the ‘hard place’ of unengaging generic information.
“We hope that the FCA and the Government will continue to prioritise closing the advice gap, with a strong focus on those in their Second 50 approaching and moving into retirement. An industry capable of genuinely supporting millions of savers and investors in enhancing their personal finances will benefit not only those individuals but the entire UK economy.”
To obtain these results, Aegon commissioned H/Advisors Cicero in July 2024 to survey 900 adult workers and 100 retirees in the UK.
Money
B&M shoppers rush to buy £5 Cadbury selection box filled with rare chocolates never usually seen on UK shelves
B&M shoppers are racing to their nearest store to snap up Cadbury selection boxes filled with rare chocolates, scanning for just £5.
A savvy shopper shared their bargain find in the popular Newfoodsuk Facebook group, where members often post photos of new supermarket products.
B&M are offering chocolate fans a variety of rare sweet treats all in one box.
The Cadbury-themed Aussie Treat Box contains Fredos, Dairy Milk Chocolate, Twirl, Snickers Peanut Brownie and Scorched Peanut Butter Bar.
The Facebook post featuring the £5 treat-filled box garnered hundreds of likes and comments from fellow bargain hunters excited to grab B&M’s latest offering.
One user wrote: “I must get this box.”
“I need this,” commented another.
While a third shopper wrote: “These are sooooo good. Stocking filler for everyone sorted.”
However, some bargain hunters commented that they couldn’t locate the Aussie Treat Box at their local B&M
“Never seen these in ours,” cried one shopper.
Another added: “Didn’t see this today at our local one.”
It’s not guaranteed shoppers will find the chocolate box at their local branch, so it might be worth calling your local store ahead to avoid a wasted trip.
In any case, you should always shop around before buying something like this as you might find the same, or similar, item for less at another retailer.
You can use online price comparison sites like Price Spy and Trolley to see if a product you have found is the cheapest against others.
You can also use the Google Shopping/Product tab to do a quick scan of the internet.
Other ways to save money at B&M
One ex-B&M manager said the best time to visit your local store is first thing on a Wednesday.
This is when staff slash items to as little as 10p to clear excess stock and make way for new lines.
Deals expert Tom Church urged shoppers to keep an eye out for red sticker products as well.
These are put on special buy products that have also been reduced in price.
It’s worth signing up to Facebook pages dedicated to hunting for bargains from B&M and other discounters too.
Some of the best ones to join are B&M Bargains, Extreme Money Saving Deals and More and Extreme Couponing and Bargains UK group.
It comes after a new flavour of a popular sweet hit the shelves of UK stores.
And Nestle is bringing back a Quality Street fan-favourite for the second Christmas in a row.
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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