Money
Wetherspoons announces exact date it will close historic pub’s doors for final time despite HUNDREDS of calls to save it
A BELOVED Wetherspoon pub will soon be closed for good despite hundreds of calls to save it.
It was revealed in January that the Foot of the Walk bar in Leith, Edinburgh, was going up for sale, but would continue trading until it officially changed hands.
Fans of the historic boozer now have just under three weeks left to enjoy it in its current state, as its final day of trading has been confirmed as November 3.
Wetherspoon spokesman Eddie Gershon told Edinburgh News: “We would like to thank our staff and customers for their loyalty to the pub over many years.
“Wetherspoon does, on occasion, sell pubs, and this is the situation here.”
The pub is named after its location at the end of Leith Walk.
It originally opened as the Palace picture house before turning into a snooker hall.
A Change.org petition was launched on January 23 this year with the aim of “preserving the Wetherspoons” pub. It gained more than 300 signatures.
Mark Harrington, who started the petition, wrote: “As a local resident of Leith, Edinburgh, I have cherished memories and experiences at Wetherspoons Foot of the Walk.
“This pub is more than just a place to enjoy a pint; it’s where we meet friends and family, share stories, and feel part of our community.
“It offers reasonably priced drinks and food in an atmosphere that feels like home to many locals.
“However, this beloved local institution is under threat.
“We cannot stand by as our community loses its character piece by piece.”
Earlier this month, Wetherspoons confirmed that 26 of its pubs have closed for good since July 2023, with five more at risk.
Pubs have closed in locations across the UK, including Stafford, London, Halifax and Penarth.
Wetherspoons regularly reviews the branches it has up for sale and has often taken venues off the market to continue operating as part of the pub chain.
How can I save money at Wetherspoons?
FREE refills – Buy a £1.50 tea, coffee or hot chocolate and you can get free refills. The deal is available all day, every day.
Check a map – Prices can vary from one location the next, even those close to each other.
So if you’re planning a pint at a Spoons, it’s worth popping in nearby pubs to see if you’re settling in at the cheapest.
Choose your day – Each night the pub chain runs certain food theme nights.
For instance, every Thursday night is curry club, where diners can get a main meal and a drink for a set price cheaper than usual.
Pick-up vouchers – Students can often pick up voucher books in their local near universities, which offer discounts on food and drink, so keep your eyes peeled.
Get appy – The Wetherspoons app allows you to order and pay for your drink and food from your table – but you don’t need to be in the pub to use it.
Taking full advantage of this, cheeky customers have used social media to ask their friends and family to order them drinks. The app is free to download on the App Store or Google Play.
Check the date – Every year, Spoons holds its Tax Equality Day to highlight the benefits of a permanently reduced tax bill for the pub industry.
It usually takes place in September, and last year it fell on Thursday, September 14.
As well as its 12-day Real Ale Festival every Autumn, Wetherspoons also holds a Spring Festival.
Landlords could also find new tenants, so Wetherspoons’ departure doesn’t necessarily mean the loss of a pub for locals.
Wetherspoons, which has around 800 pubs across the UK, continues to draw crowds with ambitions openings.
A huge new £3.5million pub opened in the countryside town of Marlow, in Buckinghamshire, on September 24.
Plus, Wetherspoon opened its first pub at a holiday park at Haven’s Primrose Valley in Filey, North Yorkshire in March.
In an exclusive interview with The Sun, Wetherspoons boss Sir Tim Martin he is planning to ramp up plans to launch “Super Spoons” pubs – making existing sites even bigger.
Money
I made $300 in a week with my pumpkin side hustle – I made some calls, grabbed ribbon and ‘it was a hit’
A SAVVY-STAY-AT-HOME-MOM has revealed how she made $300 in one week, with her fun fall side hustle.
Lisa has tried every side hustle under the sun, and last October, had great success delivering pumpkins to people’s doorsteps.
“I was just selling pumpkins out of the back of my car, and delivering them to people’s porches”, she said.
The mom was inspired to start her seasonal side hustle, after her parents lovingly grew 20 pumpkins, and weren’t sure what to do with them.
She asked her followers if anyone would want her to deliver her a pumpkin, and was met with a resounding “yes”.
The thrifty mom then headed to Hobby Lobby, and picked up some cute ribbon to decorate her pumpkins with.
“I charged $15 a pumpkin, and I sold out!”, she said.
Lisa revealed that she had never heard of a pumpkin delivery before, so feels like she hit a gap in the market.
“People love to welcome hall, so I just tried it, and it was a hit”, she said.
The side hustle was especially successful with the elderly, who weren’t able to get out and about to decorate their porches themselves.
Lisa now dreams of turning her pumpkin business into a service, where she decorates people’s front porches for fall.
“These pumpkin deliveries were so fun for me, it was so fun to bring smiles to people’s faces”, she said.
She added that, although she got her pumpkins for free, there are some states in the US where you can buy pumpkins in bulk, for a cheap price.
Lisa’s video (@somo.mama)has likely left many people impressed, as it has racked up over 50,000 views on the video sharing platform.
TikTok users raced to the video’s comments section to share their thoughts.
Side hustles and tax implications
Extra income you make from side hustles may need to be reported to the IRS.
If you receive more than $600 in gross payouts from a selling platform like eBay, the site will issue you a Form 1099-K to use in your tax return.
Individuals should calculate their adjusted gross income, taxable earnings, and deductions for the year.
Once they have that, they can use the 1040-ES form to calculate estimated taxes.
One person said: “You are awesome Ms Entrepreneur you did a wonderful thing helping the elderly!”
A second person said: “I would definitely pay for a pumpkin delivery!”
A third person said: “Amazing!! Especially for those who can’t get out much, they can experience all the fall feels!”
A fourth person added: “I absolutely love this idea.”
Money
The three DWP deadlines coming before Christmas and why you need to act to secure up to £460
THREE major deadlines are coming up before Christmas which could open up payments worth hundreds of pounds.
The cost of living remains high with energy bills rising for millions of UK households at the start of this month.
Luckily, there is help at hand, including the Winter Fuel Payment, Warm Home Discount and Christmas Bonus.
But there are some crucial deadlines you need to be aware of if you want to snap up the payments worth potentially £460.
One is coming within weeks too so you should act as soon as possible.
November 10 – deadline to backdate Pension Credit to get the Warm Homes Discount
The Warm Homes Discount (WHD) is a discount on your energy bills worth £150 each winter.
The money is not paid to you but is a one-off deduction applied between October and March.
In most cases, it is made automatically although households in Scotland have to apply.
To qualify for the help, you need to have been in receipt of the guaranteed credit element of Pension Credit or a different qualifying benefit from the list below on August 11:
If you weren’t claiming any of the above benefits on August 11, 2024, you won’t be eligible for the WHD this year.
However, the same August date does not apply if you are receiving the guarantee credit element of Pension Credit.
This is because you can backdate a Pension Credit claim by up to three months while the other benefits in the list above can only be backdated by up to one month.
That means you have until the end of Sunday, November 10 to launch a claim and get the £150 rebate.
Pension Credit is a benefit that tops up your weekly income to a minimum amount if you are on a low income and of state pension age, currently 66.
There are two parts to the benefit – Guarantee Credit and Savings Credit.
Guarantee Credit tops up your weekly income to £218.15 if you are single or your joint weekly income to £332.95 if you have a partner.
Savings Credit is extra money you get if you have some savings or your income is above the basic full state pension amount – £169.50.
December 2 – deadline for Christmas Bonus
The Christmas bonus is a tax-free £10 payment made once per year to cover some of the additional costs associated with Christmas.
The payment is made by the DWP before December 25 and can come in handy.
However, the £10 payment is only made to those in receipt of certain qualifying benefits. The full list of benefits is:
- Adult Disability Payment
- Armed Forces Independence Payment
- Attendance Allowance
- Carer’s Allowance
- Carer Support Payment
- Child Disability Payment
- Constant Attendance Allowance (paid under Industrial Injuries or War Pensions schemes)
- Contribution-based Employment and Support Allowance (once the main phase of the benefit is entered after the first 13 weeks of claim)
- Disability Living Allowance
- Incapacity Benefit at the long-term rate
- Industrial Death Benefit (for widows or widowers)
- Mobility Supplement
- Pension Credit – the guarantee element
- Personal Independence Payment (PIP)
- State Pension (including Graduated Retirement Benefit)
- Severe Disablement Allowance (transitionally protected)
- Unemployability Supplement or Allowance (paid under
- Industrial Injuries or War Pensions schemes)
- War Disablement Pension at State Pension age
- War Widow’s Pension
- Widowed Mother’s Allowance
- Widowed Parent’s Allowance
- Widow’s Pension
You will need to have been receiving one of the above benefits in the qualifying week to receive the £10 payment.
This year, that week is the first full week of December, which starts on December 2, so you will need to claim one of the above benefits by this date to qualify for the £10 Christmas Bonus.
If you want to find out if you qualify for one of the above benefits, you can use a number of free calculators.
The three main online calculators you can use are:
December 21 – deadline for backdated Pension Credit to get the Winter Fuel Payment
The Government has made the Winter Fuel Payment means-tested which means only those on certain benefits qualify for the up to £300 payment this year.
Rather than it being open to anyone of state pension age, you now only receive it if you were receiving Pension Credit or one of the below benefits by September 22:
However, again, you can backdate your Pension Credit claim by up to three months meaning you still have time to qualify for this year’s Winter Fuel Payment.
That means the ultimate deadline to qualify for the Winter Fuel Payment is December 21, not September 22.
The Winter Fuel Payment, which is usually paid by Christmas, is worth up to £300 depending on your circumstances.
If you were born before September 23, 1944, you will get £300 while those born between September 23, 1944, and September 22, 1958, will receive £200.
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.
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
I got a £1,000 refund using easy Martin Lewis tip – I’m using the cash on a cheeky holiday
A MARTIN Lewis fan has shared how she managed to get a refund of £1,000 thanks to a handy MoneySavingExpert tip.
The MoneySavingExpert (MSE) reader got the cash boost by asking her supplier to repay what she owed in energy credit.
If you pay for your energy by direct debit, most firms take the annual cost of your bill and divide it by 12 which means some parts of the year you are in credit and others debt.
But because the monthly payments are estimated, it can mean you end up being in too much credit at certain times of the year.
You can ask for it to be repaid though, meaning you could get a giant lump sum back.
Martin Lewis’ MSE previously said the best time to ask for credit back is around May, when your energy debt is likely to have stopped rising after the colder months.
Some people choose to leave a bit of credit in their account in the run up to the winter months, when you spend more, but some prefer to have the cash.
In the latest MSE newsletter, a reader called Diane shared how she used the tip to claw back £1,000.
She said: “Thanks to you I checked and discovered I was £1,000 in credit with EDF.
“I am now looking forward to a cheeky little holiday, which I wouldn’t normally have been able to afford. Happy days, thank you again.”
How to ask your supplier for credit back
You will first want to make sure your energy firm has the most up-to-date meter reading for you.
If you’ve got a smart meter, this will likely be sending regular readings to your firm so you won’t have to take a meter reading.
If your meter readings are up-to-date and if you have been in credit for more than one month, ask your energy firm to reimburse you.
Each energy supplier has its own process for issuing customers with credit refunds.
For example, British Gas says it will issue you a refund if you have been billed in the last 14 days and you are not switching to another firm.
If these apply, it refunds you your credit balance within 10 working days.
Octopus Energy says if you’ve got more credit on your account than you need, you can request any excess back.
But you need to have had an energy bill based on real meter readings in the 14 days before requesting a refund.
How to challenge an unfair direct debit
If you pay your energy bill by direct debit, then it is assumed that this monthly amount should be “fair and reasonable”.
If you don’t think it is, you can complain directly to your supplier in the first instance.
If you’re not happy with the outcome you can take it to the independent Energy Ombudsman to dispute, but there are a few steps before you get to that stage.
Your supplier must clearly explain why it’s chosen that amount for your direct debit.
If you’ve got credit on your account, you have every right to get it back – although some experts recommend keeping it there through the summer, so your bills don’t go up in the winter when you use more energy.
Your supplier must refund you or explain exactly why not otherwise the regulator, Ofgem, can fine suppliers if they don’t.
If you are disputing a bill, taking a meter reading is a must.
If it’s lower than your estimate, you can ask your provider to lower your monthly direct debit to a more suitable amount.
But beware so you don’t end up in debt later on with a bigger catch-up bill at the end of the year from underpayments racking up.
If you don’t have success in negotiating a lower payment then you can put in a complaint to the Energy Ombudsman.
How do I calculate my energy bill?
BELOW we reveal how you can calculate your own energy bill.
To calculate how much you pay for your energy bill, you must find out your unit rate for gas and electricity and the standing charge for each fuel type.
The unit rate will usually be shown on your bill in p/kWh.The standing charge is a daily charge that is paid 365 days of the year – irrespective of whether or not you use any gas or electricity.
You will then need to note down your own annual energy usage from a previous bill.
Once you have these details, you can work out your gas and electricity costs separately.
Multiply your usage in kWh by the unit rate cost in p/kWh for the corresponding fuel type – this will give you your usage costs.
You’ll then need to multiply each standing charge by 365 and add this figure to the totals for your usage – this will then give you your annual costs.
Divide this figure by 12, and you’ll be able to determine how much you should expect to pay each month from April 1.
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
I won £418,000 lottery prize but only took home FOURTEENTH when colleagues jumped in – phone call sent me into overdrive
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 prize of £1,489 and £95, respectively.
Chances of winning the Thunderball
Thunderball is another game run by 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
Huge outdoor retailer with more than 100 shops announces store closure within DAYS
A HUGE outdoor retailer has announced it will close one of its stores within days.
Decathlon is set to shut the doors on its shop in Forge Retail Park in Telford, Shropshire, on November 3.
The French sporting goods retailer has operated at the shopping centre since 2018.
The closure is said to be part of a “brand refresh” and a “broader review” of its store network.
Decathlon told customers they can use vouchers at its Wednesbury store until the end of the year.
The company also said that staff members were being supported to continue working at the company “where possible”.
Michael McHale, Regional Leader at Decathlon UK said: “We’re saddened to be closing our Telford store, which has served the local community for over six years.
“However, we’re excited to continue supporting our loyal customers by welcoming them to our Wednesbury location, just a short drive away.
“At Decathlon, we remain committed to bringing the wonders of sport to life and providing the same great products, services, and experiences that our customers have come to love.”
Local residents have been left disappointed at the news that their area is losing its Decathlon store.
One wrote on Facebook: “Great shop – sad to see it closing.”
Another said: “Sad. Great store. Useful to have on our doorstep.”
A third claimed: “All thanks to the blumming shoplifters!”
It comes as closures have rocked high streets across the UK in recent years.
Some retailers have closed a few branches here and there for various reasons, like when a store lease has come to an end.
Other examples of one-off rather than widespread closures is if there are changes in the area, like a shopping centre closing, and in some cases a shop will close to relocate to another area.
Some chains have faced tougher conditions though, forcing them to shut dozens of stores, or all of them in the worst case.
Elsewhere, a much-loved tea room is being forced to close having been in business for 34 “happy and successful” years.
The family-run Two Hoots Tea Room is situated in one of Wales’ most-visited tourist spots and they say they are devastated after they were ordered to pull down the shutters for good.
Why are retailers closing stores?
RETAILERS have been feeling the squeeze since the pandemic, while shoppers are cutting back on spending due to the soaring cost of living crisis.
High energy costs and a move to shopping online after the pandemic are also taking a toll, and many high street shops have struggled to keep going.
The high street has seen a whole raft of closures over the past year, and more are coming.
The number of jobs lost in British retail dropped last year, but 120,000 people still lost their employment, figures have suggested.
Figures from the Centre for Retail Research revealed that 10,494 shops closed for the last time during 2023, and 119,405 jobs were lost in the sector.
It was fewer shops than had been lost for several years, and a reduction from 151,641 jobs lost in 2022.
The centre’s director, Professor Joshua Bamfield, said the improvement is “less bad” than good.
Although there were some big-name losses from the high street, including Wilko, many large companies had already gone bust before 2022, the centre said, such as Topshop owner Arcadia, Jessops and Debenhams.
“The cost-of-living crisis, inflation and increases in interest rates have led many consumers to tighten their belts, reducing retail spend,” Prof Bamfield said.
“Retailers themselves have suffered increasing energy and occupancy costs, staff shortages and falling demand that have made rebuilding profits after extensive store closures during the pandemic exceptionally difficult.”
Alongside Wilko, which employed around 12,000 people when it collapsed, 2023’s biggest failures included Paperchase, Cath Kidston, Planet Organic and Tile Giant.
The Centre for Retail Research said most stores were closed because companies were trying to reorganise and cut costs rather than the business failing.
However, experts have warned there will likely be more failures this year as consumers keep their belts tight and borrowing costs soar for businesses.
The Body Shop and Ted Baker are the biggest names to have already collapsed into administration this year.
Meanwhile, customers were left devastated after a family-run clothing shop was forced to close after 144 years.
Dancers is run by the fourth and fifth generation of the Dancer family, but the rise in online shopping meant they had to let it go.
And, closures are affecting various industries across different sectors as a historic city brewery, with a legacy spanning 150 years, is also set to close.
The Carlsberg Marston’s Brewing Company (CMBC) has confirmed plans to close Wolverhampton’s Banks’s Brewery.
Money
M&S brings back retro crisps two years after disappearing from shelves
M&S has brought back an iconic retro crisps flavour two years after they disappeared from shelves.
The major retailer confirmed it has both listened and answered the prayers of its fans.
That’s right, M&S’s Prawn Cocktail Shells are back.
M&S insists the tasty snacks are made from the finest ingredients with a “top secret” exclusive spice blend.
If you’re a fan of Skips, the prawn cocktail crisps, chances are you’ll like these too.
According to Ocado, the six pack of Prawn Cocktail Shells are selling for £2.
They’re also suitable for vegeterians.
And the fun doesn’t stop there.
M&S also announced three-brand-new tortilla sharing bags will too be hitting shelves.
Each tortilla bag has been inspired by a classic Mexican dish.
Such as Tomatillo & Jalapeno Pepper and Lime & Coriander, and Feta & Pink Peppercorn Chickpea & Red Quinoa Tortillas.
Be warned, M&S say “these are nacho average sharing bags… you will NOT want to share.”
On October 16, an M&S representative shared the reveal of the tortilla flavours on Facebook.
One person commented on the post: “Yum! These sound delicious!”
According to Ocado, the tortilla packs are selling for £1.35.
Since we’re on the topic of surprises, M&S has one more to share.
It’s three totally new peanut snack packs, bursting with flavour, seasoned and not salted.
The flavours include Katsu Chicken Curry flavour, Smoky Chorizo flavour, and a Spicy Buffalo Wing flavour.
According to Ocado, the new peanut snack packs are selling for just £1.50.
To find your nearest M&S store visit their website and click Find your nearest store.
Put your postcode, or town or street name in and a list of local stores should come up.
It is also recommended to check in store and online product availability.
How to save on your supermarket shop
THERE are plenty of ways to save on your grocery shop.
save on your grocery shop.
You can look out for yellow or red stickers on products, which show when they’ve been reduced.
If the food is fresh, you’ll have to eat it quickly or freeze it for another time.
Making a list should also save you money, as you’ll be less likely to make any rash purchases when you get to the supermarket.
Going own brand can be one easy way to save hundreds of pounds a year on your food bills too.
This means ditching “finest” or “luxury” products and instead going for “own” or value” type of lines.
Plenty of supermarkets run wonky veg and fruit schemes where you can get cheap prices if they’re misshapen or imperfect.
For example, Lidl runs its Waste Not scheme, offering boxes of 5kg of fruit and vegetables for just £1.50.
If you’re on a low income and a parent, you may be able to get up to £442 a year in Healthy Start vouchers to use at the supermarket too.
Plus, many councils offer supermarket vouchers as part of the Household Support Fund.
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