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A £2 B&M find can help keep homes warm without putting heating on and keep energy bills low

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A £2 B&M find can help keep homes warm without putting heating on and keep energy bills low

AS THE nights draw in many of us could benefit from insulating our homes to keep draughts out.

One way to do so is to install B&M’s Bubble Wrap, which can help your home feel warmer while saving you money on your energy bill.

A budget-friendly B&M buy could keep you warm this winter

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A budget-friendly B&M buy could keep you warm this winterCredit: Getty
The bubble wrap costs just £2 but could save you precious pounds

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The bubble wrap costs just £2 but could save you precious pounds

It costs just £2 and can help to protect your home from cold gusts of air which can enter through cracks or gaps around your windows.

The bubble wrap has a diameter of 500mm by 5m, which is enough to insulate several windows.

The air pockets in the surface create a barrier which traps heat inside and keeps the cold out of your home.

Plus by stopping cold air from entering your house you could also save precious pounds off your energy bill.

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Draught-proofing is one of the cheapest and most effective methods to save money, irrespective of what type of building you live in.

Reducing draughts around windows and doors could save you around £40 a year if you live in Great Britain, or £50 in Northern Ireland, according to the Energy Saving Trust.

Draught-free homes may also be more comfortable at lower temperatures, which could mean that you are able to turn down your thermostat.

Doing so could save you even more money on your energy bills.

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To the bubble wrap to insulate your home, simply measure your windows and cut the bubble wrap to fit.

Next lightly spray your windows with water, which acts as an adhesive and allows the bubble wrap to stick directly to the glass.

How to cut energy costs and get help with FOUR key household bills

Place the bubble wrap onto the window with the bubble-side facing into your home and gently press it to secure it in place.

If your home is particularly draughty then you can also double up the bubble wrap for extra insulation.

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Bubble wrap is also easy to remove in the warmer months and doesn’t damage your windows as it is not permanent.

Make sure to seal draughty doors and windows with insulation tape to stop draughts getting in.

5 ways to keep your house warm in winter

Property expert Joshua Houston shared his tips.

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1. Curtains

“Windows are a common place for the outside cold to get into your home, this is because of small gaps that can let in air so always close your curtains as soon as it gets dark,” he said.

This simple method gives you an extra layer of warmth as it can provide a kind of “insulation” between your window and curtain.

2. Rugs

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“Your floor is another area of your home where heat can be lost and can make your home feel chilly,” he continued. “You might notice on cold days, that your floor is not nice to walk on due to it freezing your feet.

“Add rugs to areas that don’t already have a carpet, this provides a layer of insulation between your bare floor and the room above.”

3. Check your insulation

Check your pipes, loft space, crawlspaces and underneath floorboards.

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“Loose-fill insulation is very good for this, and is a more affordable type of insulation, with a big bag being able to be picked up for around £30,” Joshua explained.

4. Keep your internal doors closed

“Household members often gather in one room in the evening, and this is usually either the kitchen or living room,” Joshua said.

“This means you only have to heat a small area of your home, and closing the doors keeps the heat in and the cold out.”

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5. Block drafts 

Don’t forget to check cat flaps, chimneys and letterboxes, as they can let in cold air if they aren’t secure.

Before you install the bubble wrap make sure to shop around to get the best deal.

Sainsbury’s is selling 8 metre large rolls of bubble wrap for £4.25.

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Meanwhile, The Works has a 5m x 300mm roll for £1.

Always check the length and width of the roll before you make a purchase to ensure that you are getting a good deal.

Never draught proof areas of your home that need good ventilation such as rooms where lots of moisture is produced such as the bathroom, utility rooms or kitchen.

Also avoid blocking up areas where there are open fires or open flues.

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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

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Woman Accuses Diddy of Assault, Links Him to Tupac’s Murder

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Woman Accuses Sean ‘Diddy’ Combs of Assault and Links Him to Tupac’s Murder: Lawsuit Claims. Sean “Diddy” Combs Faces New Sexual Assault Allegations Linked to Tupac Shakur Murder

Introduction to the Lawsuit Against Sean “Diddy” Combs

Sean “Diddy” Combs, the renowned music executive, is once again facing legal trouble. In a new lawsuit, a woman has accused Combs of sexual assault, alleging that he raped her in March 2018. The plaintiff, Ashley Parham, claims the assault occurred shortly after she suggested Combs was involved in the 1996 murder of legendary rapper Tupac Shakur.

Details of the Allegations

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According to the complaint, filed in the U.S. District Court for Northern California, Parham asserts that Combs assaulted her at an apartment in Orinda, California. The incident followed a FaceTime call in February 2018 between Parham, Combs, and a man also named as a defendant in the lawsuit. During the call, Parham shared her belief that Combs was connected to Tupac’s murder, a remark that allegedly enraged Combs. The music mogul reportedly warned her that she would “pay” for making such a statement.

The Incident Leading to the Assault

In March 2018, Parham claims she was at the home of the second defendant, assisting him with cancer medication, when Combs arrived with several individuals, including his chief of staff, Kristina Khorram. Khorram, who is also named as a defendant in the lawsuit, has been previously involved in other allegations against Combs.

Parham alleges that Combs brandished a knife and threatened to harm her, while Khorram intimidated her by stating she could be “sent anywhere in the world” and would never see her family again. The lawsuit also accuses Khorram of aiding in the intimidation.

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The Assault With a Remote Control

According to Parham, after Khorram and another defendant left the apartment, Combs violently assaulted her using a remote control, making her feel as though her life was under his control. Parham claims she reported the alleged assault to the Contra Costa Sheriff but mentioned that her efforts to include Combs’ name led to her feeling dismissed by authorities.

Combs’ Legal Team Responds to the Lawsuit

Combs’ representatives have yet to publicly comment on the new lawsuit. However, in a motion filed in federal court, Combs’ legal team argued that the latest allegations were part of a growing list of lawsuits aimed at damaging the music mogul’s reputation. The motion highlighted that over a dozen lawsuits have been filed against Combs, many of which have allegedly been discredited.

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Combs’ attorneys expressed concern over the “chaotic media frenzy” surrounding the lawsuits, warning that this could prevent him from receiving a fair trial. “These ongoing allegations, if not addressed, will prevent Mr. Combs from receiving a fair trial, if it hasn’t already,” his lawyers stated.

Plaintiff’s Attorney Vows to Seek Justice

Ariel Mitchell-Kidd, Parham’s attorney, released a statement, saying, “I was appalled by the allegations my client shared with me and will fight diligently to ensure she receives justice.”

This lawsuit adds another chapter to Combs’ ongoing legal challenges, which have continued to make headlines.

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Combs’ Ongoing Legal Troubles

In September 2023, Combs was indicted on federal charges including sex trafficking, racketeering, and transporting individuals for prostitution. The charges stem from an indictment that alleges Combs orchestrated events known as “freak offs,” which prosecutors claim were highly organized sexual performances.

Combs pleaded not guilty to the charges and has been incarcerated in Brooklyn after being denied bail by two judges. His trial is scheduled for May 5, 2025.

Previous Allegations of Misconduct Against Combs

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The latest lawsuit follows a series of legal battles for Combs, who was first thrust into the spotlight over sexual misconduct allegations in November 2022. His former partner, singer Casandra “Cassie” Ventura, filed a lawsuit accusing him of sexual abuse. While that lawsuit was resolved the following day, it opened the floodgates for additional allegations of misconduct against the founder of Bad Boy Records.

As Sean “Diddy” Combs continues to face mounting legal issues, the latest sexual assault lawsuit from Ashley Parham has added further complexity to the music executive’s legal battles. With a federal trial set for May 2025 and growing public scrutiny, the ongoing lawsuits are shaping the narrative around one of hip-hop’s most influential figures.

Related: Sean ‘Diddy’ Combs Accused of Sexual Abuse of 9-Year Old.

 

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Is habit stacking the key to boosting retirement savings?

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Is habit stacking the key to boosting retirement savings?
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Image credit: Shutterstock

The UK pensions market is facing numerous challenges preventing individuals from maximising retirement savings.

These include a lack of accessible advice, confusion over pension charges and features, and cumbersome transfer and consolidation processes.

These obstacles can be daunting, leading many to disengage or make poor financial decisions.

One of the most critical problems is the advice gap, which is particularly troubling in the pensions sector, where individuals are often required to make significant decisions about their retirement income.

Habit stacking involves linking a new behaviour to an existing habit, making the new behaviour easier to adopt and maintain

The complexity of the pension system, coupled with auto-enrolment and the increasing accumulation of multiple pots (an average of 11 per person, according to the Pensions Dashboard Programme) only adds to the confusion.

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Tracking these pensions and understanding their associated charges can lead to indecision, further exacerbating the issue – and that’s if you find all the pots!

Over a year on from the introduction of the Financial Conduct Authority’s Consumer Duty standard and the ongoing The Pension Regulator’s value for money consultation, the lack of transparency around pension charges remains a challenge for the unadvised. Many individuals are unaware of the fees they are paying, for current or deferred pensions, or how these fees impact their retirement savings over time.

The complexity of pension products also makes it difficult to compare options and make informed decisions, leaving many at a disadvantage. Research from The People’s Partnership found 72% of people who transferred a defined contribution pension didn’t know the fees for their new pension.

The key is in aligning technology with existing habits or activities to streamline pension management at optimal points of times

Beyond decoding the charges and features, the next step in the process can involve transferring pensions, which can present another set of challenges riddled with paper-based processes and administrative delays. If the individual has gotten this far in their efforts to ‘sort out their pensions’, this transfer process can often be the ultimate barrier limiting their ability to benefit from better investment opportunities or lower fees.

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A potential solution to these challenges lies in habit stacking (a concept from behavioural psychology that involves linking a new behaviour to an existing habit, making the new behaviour easier to adopt and maintain), technology and timing.

For example, leveraging technology to identify habitual processes and strategically introducing engagement opportunities at those moments could significantly benefit thousands, if not millions, of savers.

In the process of transfers, technology is already available and in use to make them faster, more transparent and less burdensome for both individuals and providers. However, by introducing a new habit into the existing transfer process – such as automatically finding pensions and presenting a simple comparison of features and charges – we could significantly drive up the right kind of pension engagement.

Despite the challenges in the UK pension market, digital tools and habit stacking offer solutions at scale to help close the advice gap

So far, I’m aware of only one workplace pension provider taking this innovative approach – Aegon. As part of its bulk (or scheme) transfer service, it includes key steps such as identity verification and an automated letter of authority. This enables newly transferring members to use this engagement opportunity, at no cost, to find their old pensions, review them with indicators based on charges and features, and, where safe to do so, consolidate – all online. Additionally, indicators highlight where advice is required for certain pots.

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The key is in aligning technology with existing habits or activities to streamline pension management at optimal points of times. By simplifying processes – like finding old pensions, comparing and presenting their charges, and enabling truly digital transactions – technology can significantly enhance engagement when used at the right time. It also improves decision-making and future incomes.

If such approaches were more widely adopted, it could create a more accessible and user-friendly pension system, embedding engagement at crucial moments and removing barriers to informed choices.

Despite the challenges in the UK pension market, digital tools and habit stacking offer solutions at scale to help close the advice gap, simplify transfers and improve transparency, leading to more savers making better financial decisions.

Scott Phillips is founder and chief executive of The Pension Lab

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DWP update for thousands on State Pension who could miss out on £300 Winter Fuel Payment

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DWP update for thousands on State Pension who could miss out on £300 Winter Fuel Payment

THE Department for Work and Pensions (DWP) has issued an update to state pensioners who could miss out on the Winter Fuel Payment.

The Government department said it will get in touch with those claiming Housing Benefit but not Pension Credit.

Housing Benefit claimants can also get Pension Credit to cover the cost of living

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Housing Benefit claimants can also get Pension Credit to cover the cost of livingCredit: Getty

You can claim the two benefits at the same time, with Pension Credit unlocking the up to £300 Winter Fuel Payment, but tens of thousands who can are not.

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In response to Labour MP Paula Barker, Sir Stephen Timms, a minister at the DWP, said it was working with councils to boost the uptake of Pension Credit.

Sir Stephen also said the DWP will be directly contacting pensioners who are receiving Housing Benefit that may be eligible for Pension Credit in November to encourage them to claim.

A DWP spokesperson added: “We will be writing to 120,000 pensioner households in receipt of Housing Benefit but who are not currently claiming Pension Credit as they may be eligible.

“We urge anyone who thinks they may be entitled to Pension Credit to check their eligibility and apply.”

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It comes after the Government announced a major change to the eligibility criteria for the Winter Fuel Payment.

The up to £300 payment used to be issued to anyone of state pension age, currently 66, or older.

But the Government has now made it means-tested meaning only those on certain benefits receive it.

You now only receive it if you are on one of the following benefits:

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  • Pension Credit
  • Universal Credit
  • income-related Employment and Support Allowance (ESA)
  • income-based Jobseeker’s Allowance (JSA)
  • Income Support
  • Child Tax Credit
  • Working Tax Credit
Winter Fuel Payment Changes

The Social Fund Winter Fuel Payments Regulation 2024 reduces the number of people receiving a Winter Fuel Payment in England and Wales from 10.8million to 1.5million.

The Government estimates the move will save it £1.3billion this financial year and £1.5billion per financial year after this year.

However, hundreds of thousands will miss out on the Winter Fuel Payment because they are not claiming Pension Credit despite being eligible.

The Government is in a drive to get as many people on to the benefit which not only unlocks the £300 payment but is worth on average £3,900 a year.

What is Pension Credit and who is eligible?

Pension Credit is a Government benefit designed to top up your weekly income if you are a state pensioner with low earnings.

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The current state pension age is 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.

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Savings Credit is only available to people who reached state pension age before April 6, 2016.

Usually, you only qualify for Pension Credit if your income is below the £218.15 or £332.95 thresholds.

However, you can sometimes be eligible for Savings Credit or Guarantee Credit depending on your circumstances.

For example, if you are suffering from a severe disability and claiming Attendance Allowance, as well as other benefits, you can get an extra £81.50 a week.

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Meanwhile, you can get either £66.29 a week or £76.79 a week for each child you’re responsible and caring for.

The rules behind who qualifies for Pension Credit can be complicated, so the best thing to do is just check.

You can do this by calling the Pension Service helpline on 0800 99 1234 from 8am to 5pm Monday to Friday or by using free online calculators.

Those in Northern Ireland have to call the Pension Centre on 0808 100 6165 from 9am to 4pm Monday to Friday.

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It might be worth a visit to your local Citizens Advice branch too – its staff should be able to offer you help for free.

Pension Credit is known as a “gateway” benefit which means it opens up a host of perks, like the winter fuel payment and a free TV licence if you are 75 or older.

It also unlocks discounts on your council tax and the Warm Home Discount, if you are on the Guarantee Credit part of the benefit.

What is the Winter Fuel Payment?

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Consumer reporter Sam Walker explains all you need to know about the payment.

The Winter Fuel Payment is an annual tax-free benefit designed to help cover the cost of heating through the colder months.

Most who are eligible receive the payment automatically.

Those who qualify are usually told via a letter sent in October or November each year.

If you do meet the criteria but don’t automatically get the Winter Fuel Payment, you will have to apply on the government’s website.

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You’ll qualify for a Winter Fuel Payment this winter if:

  • you were born on or before September 23, 1958
  • you lived in the UK for at least one day during the week of September 16 to 22, 2024, known as the “qualifying week”
  • you receive Pension Credit, Universal Credit, ESA, JSA, Income Support, Child Tax Credit or Working Tax Credit

If you did not live in the UK during the qualifying week, you might still get the payment if both the following apply:

  • you live in Switzerland or a EEA country
  • you have a “genuine and sufficient” link with the UK social security system, such as having lived or worked in the UK and having a family in the UK

But there are exclusions – you can’t get the payment if you live in Cyprus, France, Gibraltar, Greece, Malta, Portugal or Spain.

This is because the average winter temperature is higher than the warmest region of the UK.

You will also not qualify if you:

  • are in hospital getting free treatment for more than a year
  • need permission to enter the UK and your granted leave states that you can not claim public funds
  • were in prison for the whole “qualifying week”
  • lived in a care home for the whole time between 26 June to 24 September 2023, and got Pension Credit, Income Support, income-based Jobseeker’s Allowance or income-related Employment and Support Allowance

Payments are usually made between November and December, with some made up until the end of January the following year.

Do you have a money problem that needs sorting? Get in touch by emailing money-sm@news.co.uk.

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Ardian and Rockfield seed pan-European student fund with €500m CBRE IM commitment

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Ardian and Rockfield seed pan-European student fund with €500m CBRE IM commitment

Ardian will act as investment manager for fund targeting best-in-class assets in undersupplied European markets.

The post Ardian and Rockfield seed pan-European student fund with €500m CBRE IM commitment appeared first on Property Week.

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Sainsbury’s introduces new self-service checkout rule at store as customers threaten to boycott

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Sainsbury's introduces new self-service checkout rule at store as customers threaten to boycott

SAINSBURY’S has provoked customer backlash after making a major change at one of its stores.

One of the UK’s biggest retailers has added more self-service checkouts at its branch in Chippenham, Wiltshire.

Sainsbury's has sparked a backlash after making a major change at one of its stores

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Sainsbury’s has sparked a backlash after making a major change at one of its storesCredit: Getty – Contributor

A spokesperson for the supermarket chain said it had made the change to meet “customer demand”.

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But some customers on Facebook have been left fuming, saying the move has made the manned tills backlogged.

Some have gone as far to say they won’t shop at the branch again.

One said: “It’s awful. I went there the other day for a big shop, the queues were down the aisles for the manned tills so we were forced to use the new trolley self scanner.”

Another added: “I went yesterday there is no room at the self scanners especially if everyone has trolleys, think they will lose a lot of customers.”

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A third chimed in: “I get why they’re doing it – I was told people walked out with £4K of shopping a few weeks ago but it’s now a very annoying and poor experience going there

“I will not use the self-checkouts – I prefer dealing with people not machines.”

Meanwhile, a fourth commented: “I won’t use the self checkout, I expect human service when (I am) spending my hard earned money in their stores and if they won’t serve me I am happy to leave my trolley and go somewhere else.”

A Sainsbury’s spokesperson said: “We regularly review the services available in our stores to make sure we offer the most convenient experience for our customers.  

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“We have slightly increased the number of self-service checkouts at our Chippenham store so that we can meet customer demand for this service.

How to find the best bargains at the supermarket

“Our colleagues are on hand to help anyone who may need support using them and we continue to offer serviced checkouts for our customers who wish to use them.”

Sainsbury’s is not the first supermarket to have made a change to self-checkout rules in recent months to customer frustration.

Asda introduced “self-checkout only hours” at one of its branches earlier this year, restricting customers to automated tills only at certain times of the day.

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Signs in the Bournemouth store showed customers that from 7am to 8am Monday to Saturday, customers can use just self-scan checkouts.

From 8pm to 11pm on Monday, Tuesday and Thursday and from 7pm to 11pm on Wednesday, all manned tills are closed.

Asda told The Sun the move was a “temporary decision” made during quieter shopping hours and not a company-wide policy.

However, the supermarket chain, also said earlier this year that it will put more staff on tills in a bid to get more shoppers back in stores.

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Over the past decade, supermarket bosses have invested in self-scanning tills, convinced customers prefer the speedier style of shopping.

But the move to automated tills has seen some shoppers left feeling left behind and dissatisfied.

Some supermarkets, like Asda, have rowed back on plans to increase the number of self-scan checkouts in stores though.

In August, Rami Baitiéh, the chief executive of Morrisons, announced the supermarket would scale back the number of self-checkouts in stores.

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In an interview with The Telegraph, Baitiéh said the company was “reviewing the balance between self-checkouts and manned tills”.

High-end supermarket chain Booths, based in the North of England, abandoned the technology after discovering customers had a more enjoyable experience when interacting with a cashier.

This move aligns with data previously published by The Grocer which reveals service satisfaction has declined by as much as 8% due to the use of self-checkout machines.

If you want to avoid self-checkouts in your local supermarket or retailer branch, you could try scan-as-you-go tech.

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They let you scan as you browse, either using their smartphone or a handheld device then checkout in a different area from other shoppers.

You often can bag your groceries as you wander around too, saving even more time.

How to save on your supermarket shop

THERE are plenty of ways to save on your grocery shop.

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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.

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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.

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Plus, many councils offer supermarket vouchers as part of the Household Support Fund.

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Empiric Student Property raises £56m via share placing

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Empiric Student Property raises £56m via share placing

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