Money
Full list of banks including Nationwide offering free cash payouts of up to £200 before Christmas
HOUSEHOLDS could get a free cash payout worth up to £200 just in time for Christmas.
Four major banks are now offering cash incentives for new customers and you could land a boost in time for the festive period.
Switching bank accounts can be an easy way to give your balance a quick boost.
Cash incentives are regularly launched by banks to entice new customers, but do be sure to check the small print.
Most of these offers have certain criteria that you need to meet in order for you to get the cash.
For example, some accounts require you to pay a certain amount each month to maintain them.
While others might charge you for setting up an overdraft.
Be sure to check that the account you chose is right for you in the long term before switching.
Once you’ve decided you’ll need to make the switch using the current account switching service (CASS) which takes just seven days, and the new bank handles it for you.
We explain further down how the CASS works, but first here’s the full list of the offers available now that could tempt you to move.
Lloyds Bank – £200
If you switch your current account to Lloyds you could get £200.
Both new and existing customers can take advantage of the free cash offer available for those who switch between now and December 10.
Those who switch to the Club Lloyds account can expect the £200 to be paid within ten days of completing the switch.
It is important to be aware that the account comes with a £3 a month fee unless you pay in £2,000 a month.
To finalise the switch, customers can either scan the QR code available on the bank’s website or use the mobile app.
Once completed, Club Lloyds customers will be able to select from a range of perks, including a 12-month Disney+ subscription, a choice of Vue or Odeon cinema tickets, a magazine subscription, or a Coffee Club and Gourmet Society membership.
But remember you pay a fee for the extras, so work out if it’s worth paying the fee to get these.
New customers can get the bonus, and so can existing Lloyds customers if they don’t already have a Club Lloyds account and open a new one.
Those who already received a switch bonus since April 2020 from Lloyds, Halifax or Bank of Scotland (all part of the same group) won’t be eligible.
The same bonus is also available when switching to the Club Lloyds Platinum Account and Club Lloyds Silver Account but these comes with a £22.50 and £11.50 a month fee, respectively, on top of the £3.
How do I switch bank accounts?
SWITCHING bank accounts is a simple process and can usually be done through the Current Account Switch Service (CASS).
Dozens of high street banks and building societies are signed up – there’s a full list on CASS’ website.
Under the switching service, swapping banks should take seven working days.
You don’t have to remember to move direct debits across when moving, as this is done for you.
All you have to do is apply for the new account you want, and the new bank will tell your existing one you’re moving.
There are a few things you can do before switching though, including choosing your switch date and transferring any old bank statements to your new account.
You should get in touch with your existing bank for any old statements.
When switching current accounts, consider what other perks might come with joining a specific bank or building society.
Some banks offer 0% overdrafts up to a certain limit, and others might offer better rates on savings accounts.
And some banks offer free travel or mobile phone insurance with their current accounts – but these accounts might come with a monthly fee.
First Direct – £175
First Direct has relaunched its popular cash switch incentive for anyone who opens a 1st Account.
Customers can receive a payment of up to £175 by using the CASS.
Users have to switch at least two direct debits or standing orders within 30 days of opening the account to qualify for the cash.
Switchers also need to add at least £1,000 into the account, register and log on to internet banking and use the debit card at least five times within 30 days of opening the account.
Customers who meet the criteria should expect the free bonus in their accounts by the 20th of the following month.
The bank revealed that new customers switching to their current account to first direct can expect several extra perks, including a £250 interest-free overdraft.
You won’t qualify for the switching incentive if you have previously held a First Direct product or opened an HSBC current account on or after January 1, 2018.
Customers moving across to the bank will also get access to a regular savings account paying 7% interest, one of the best deals around, as well as a 0% overdraft on the first £250.
Nationwide – £175
Nationwide Building Society has launched a new offer of £175 to switch to its FlexDirect, FlexPlus or FlexAccount current accounts.
The free-cash perk is a joint-market leading sum with First Direct.
The FlexDirect account gives the holder 5% credit interest on balances up to £1,500 for the first 12 months.
This account also offers an interest-free overdraft for the first 12 months.
Those who open a new FlexDirect account will still get the 5% credit interest rate, and will also receive 1% cashback for the first 12 months on debit card purchases, capped at £5 per month.
For new FlexDirect account openings, the previous interest-free overdraft offer will be withdrawn.
But if you are an existing customer who is benefiting from an interest-free overdraft offer then don’t worry, this will continue until the end of their 12-month period.
You also can’t have switched into a Nationwide account, or have received switch cash from Nationwide, since August 18, 2021.
Co-op Bank
The Co-operative Bank has announced eligible customers could receive up to £150.
The first £75 is given when a customer completes a switch to the bank.
Then, the bank is offering three monthly instalments of £25 – another £75 – to make up the £150.
Both new and existing customers can apply to switch to a current account to make themselves eligible for the payment.
Customers must apply for a Standard Current Account or Everyday Extra account.
To be eligible, customers must not have benefited from a switch incentive at The Co-operative Bank since 1 November 2022.
And to receive the first £75, customers need to follow a series of rules.
They are:
- Deposit a minimum of £1,000 into their new account (this includes balances transferred as part of the switch).
- Have 2 active Direct Debits.
- Make a minimum of 10 debit card or digital wallet transactions (pending payments will not count toward fulfilment of this criteria).
- Register for our online and/or mobile banking service.
- Set up the debit card in a digital wallet (Apple Pay, Samsung Wallet or Google Pay).
That leaves the three £25 instalments – and there are some rules to claim them too.
Customers need to deposit at least £1,000 into their account, have two direct debits and make a minimum of 10 debit card transactions.
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Money
Inside ‘millionaires’ paradise’ home to A-list celebs & lined with Rolls-Royces & Bentleys…but it’s kept top secret
A MILLIONAIRE’s paradise is home to A-list celebs and lined with Rolls-Royces and Bentleys – but it’s kept top secret.
Houses on one of Stockwell’s more affluent roads cost a whopping £1.18 million on average.
Some pads in the south London neighbourhood even come equipped with a gym, pool or home cinema.
Local architect Louis, 47, once designed a glass house for a diamond vendor who wanted a room for his enormous collection of cacti.
The project cost the homeowner over £15,000 – just a drop in the ocean for a man who owns a Rolls-Royce and Bentley.
His house is also adorned with 12 columns to represent the tribes of Israel, Louis added..
Showbiz stars Joanna Lumley and Toby Jones also live in the leafy neighbourhood.
Theatre director Zoe, 33, said her whole road is filled with people from the industry.
Zoe has lived in her godparents’ house ‘for mates rates’ for seven years.
She said: “Things have definitely changed. The post office closed down because of gentrification. Everyone protested.”
Just a few minutes away in a multiple story house lives artist Richard Rees, the President of the Pastel Society.
He said: “Large houses are easily worth £2.5 million plus and are very hard to get hold of.”
Stockwell is just a stone’s throw away from the Oval cricket ground and a short tube ride from the city centre.
Finance tech worker Sam Hanfield said this makes the area particularly appealing for rich Londoners.
Sam, 37, added: “Brixton Market 10 years ago was very different to what it is now.
“It’s much more gentrified. You can see that in the types of people wandering around.”
Sam bought one of the area’s beautiful Georgian houses for a whopping £1.2million – and reckons it has nearly doubled in value.
He said: “The street I’m on isn’t just lawyers and investment bankers, there are a lot of creators. My neighbour’s house used to be a squat.”
We live in UK’s ‘poshest’ area where corner shop drinks cost four thousand pounds…
RESIDENTS living in the UK’s ‘poshest’ place rub shoulders with celebrities and royals – while the local corner shop sells wine for over £4,000.
On average, flats around Battersea Power Station, in South West London, cost a whopping £1.2million – but those that can afford it may get a view of TV adventurer Bear Grylls doing pull ups on the roof.
The Wild Weekends star reportedly knocked three properties into one to build a staggering £20 million mega-apartment.
And locals boast of spotting other famous faces – including singer Sting – every day following a £9 billion transformation of the area.
Power station worker Kasea told the Sun she works for a number of the world’s richest – but was remaining otherwise tight-lipped.
Read the full story here
Writer Paul, 67, has lived in the area for 25 years and keeps his Tesla on the street outside his house.
Like Sam, he’s also bagged himself a gorgeous Georgian villa, which he reckons is worth about £2 million now.
He said: “When we moved here the houses weren’t expensive but now they’re a lot of money.”
Despite keeping his EV on the street, Paul said he’s never been the victim of any crime.
But he said his niece did have her handbag stolen when she was walking one night.
Other longtime residents say they are adjusting to the area’s new-found glam.
Andrew, 70, said: “There are some seriously affluent people around here.”
“Those two houses are now a million and a half were squatted in when we moved in.”
He added: “There are lots of bankers who have moved in the last five years.
“There are people who are putting a gym and theatre in the basement. It’s the sort of thing you would find in Kensington.”
Inigo Woodham-Smith, 27, lives at home with his mother – a masseuse and spiritual healer – just down the road.
Pizza chef and occasional photographer Inigo attended Emmanuel School in Battersea, which costs almost £25,000 a year.
He said: “Stockwell is fantastic, we’ve got a Pret and we’ve got the Swan – it doesn’t get better.”
One café in Stockwell sells coffee beans – with notes of champagne – for a whopping £29.
For something a little stronger, residents can head over to their local off-license and pick up a bottle of champagne for £150.
The corner shop has a whole shelf dedicated to pricey booze – from quality whisky to Grey Goose vodka.
Money
Simple tool that reveals if you’re being underpaid state pension – its free and takes just minutes
A SIMPLE tool could help to reveal if state pension households are being underpaid – and it’s totally free and takes just a few minutes.
A series of government blunders mean that hundreds of thousands of people have been paid less state pension than they should have.
The mistakes disproportionately impact women, but that doesn’t mean that’s the only group affected.
Depending on why your pension was underpaid, you might get the backdated payments automatically, or you might have to apply.
It’s possible that you fall into more than one category, as there is some overlap, so you may need to follow a couple of different processes to get what you’re owed.
We’ve put together a full list of reasons you could be owed backdated state pension payments worth £10,000s.
LCP has developed an online tool to help people understand what state pension they are entitled to inherit on top of their own state pension here.
A tool previously launched by the company to help married women check for underpayments had over one million visits.
You will need to be prepared to answer some questions about your age and marital status, as well as how much money you currently receive in state pension.
If you’re using the married woman’s calculator, you will also need to have information about your husband’s pension to hand.
If it turns out that your state pension is being underpaid because of an error, it’s worth contacting either the DWP or the Pensions Service.
Steve Webb, partner at LCP and former Pensions Minister, said: “The department needs to launch an urgent investigation into the scale of this problem.”
The DWP also has a tool to help those receiving the new state pension assess their eligibility for inherited state pension amounts on the government website.
There is also a guide on inheriting or increasing a state pension on the gov’s site.
Calculate your state pension payments
To qualify for the new state pension, you need to have paid enough National Insurance (NI) contributions or credits.
You need at least ten years on your record to get any payments at all. To get the full amount, you usually need 35 years’ worth of contributions.
If you have gaps on your record, you can choose to buy the missing years to boost your state pension payments.
To find out whether you’re on track to get the full state pension, you can check your forecast on gov.uk.
You’ll need to sign in through the government gateway. If you’ve already got an account, use those details, otherwise you might need to set one up.
Everyone reaching retirement age now can only qualify for the new state pension, which follows the rules outlined above.
But if you are either a man who was born before 6 April 1951 or a woman who was born before 6 April 1953, you’ll get something called the basic state pension, and you might also get additional state pension.
You can read more about the basic state pension on the government’s website.
What are state pension errors?
STEVE Webb, partner at LCP and former Pensions Minister, explains what state pension errors are and how they can occur:
The way state pensions are worked out is so complicated that many thousands of people have been paid the wrong amount for years without even realising it.
The amount of retirement pension you get usually depends on your National Insurance (NI) record.
One big source of errors has been cases where NI records have been incorrect, particularly for years spent at home with children.
This is a system known as ‘Home Responsibilities Protection’.
Alternatively, particularly for older pensioners, the amount you get can depend on the NI contributions made by your spouse.
Errors have arisen where the Government has failed to adjust the pensions of married women when their husbands retired or failed to increase pensions when someone was bereaved and lost a husband or wife.
Although the Government has spent years trying to fix these problems, there are still many thousands of people – many of them older women – on the wrong pension.
If you have always thought that your pension seems low, then it is worth contacting the Pensions Service to ask them to check, especially if you spent time at home raising children or if you were widowed and your pension didn’t change when your spouse died.
Money
Exact animal to spot on rare 50p coin worth more than 11 times its face value – do you have one in your change?
SPOTTING a rare coin in your change could be a big money-spinner – especially if you spot a 50p featuring a specific animal.
If you discover a sought-after coin in your change, you can make money on it by selling it on.
You could do this through an auction, either online, in person, or through a dealer.
There are some coins which are known to fetch large sums of cash, such as the Kew Gardens 50p and the commemorative 50p coins minted to mark the London 2012 games.
But there are also lesser-known designs that are worth keeping an eye out for – like the Worldwide Fund for Nature (WWF) 50p coin.
This special coin was released in 2011, and features the famous WWF panda logo in the middle.
There’s 50 other animals surrounding it including elephants, birds, polar bears and butterflies.
Around 3,400,000 of these coins were released into circulation in 2011, making it the tenth rarest 50p there is, according to Change Checker.
If a coin is rare, there are not many of them about – and the WWF 50p is one of the least likely coins you’ll come across in your spare change.
But a coin not only needs to be rare to increase its value – it needs to be scarce too.
That means a lot of people want them.
According to Change Checker, WWF coins are not the most highly sought after coins.
They are ranked 15th on the index – with 100 being the most in demand coin there is – King Charles III Atlantic Salmon 50p.
But collectors will stay pay up for a WWF coin to add to their collection.
The Sun spotted one of these coins that was flogged for £3 on October 18.
Meanwhile, another sold for £5.50 on October 13 with nine bids.
While this may not seem like a significant amount of money, it’s still 11 times more than the coin’s face value.
What are the most rare and valuable coins?
How to check if a coin is rare
In most cases, a coin is rare if it has a low mintage figure – which is set by The Royal Mint.
The mintage figure relates to how many of the coins were made, so the fewer there are of them, the rarer they are.
You can find out what coins are rare and how they look on The Royal Mint’s website.
Your next step after this is seeing if the same coin is still available to buy in superior Brilliant Uncirculated quality from an official Royal Mint distributor, according to Change Checker.
These coins have been specially made to a superior quality which differentiates them from other coins you might find in your pocket.
How to sell a rare coin
If, after checking, you realise you’ve come across a rare coin, there’s a number of ways you can sell it.
You can sell it on eBay, through Facebook, or in an auction.
But be wary of the risks.
For example, there are a number of scams targeting sellers on Facebook.
Crooks will say they’re planning to buy the item, and ask for money upfront for a courier they’ll be sending around.
But it’s all a ruse to get you to send free cash to them – and they never have any intention of picking your item up.
It’s always best to meet in person when buying or selling on Facebook Marketplace.
Ensure it’s a public meeting spot that’s in a well-lit area.
Avoid payment links and log in directly through the payment method’s website.
Most sellers prefer to deal with cash directly when meeting to ensure it’s legitimate.
The safest way to sell a rare coin is more than likely at auction. You can organise this with The Royal Mint’s Collectors Service.
It has a team of experts who can help you authenticate and value your coin.
You can get in touch via email and a member of the valuation team will contact get back to you.
You will be charged for the service though – the cost varies depending on the size of your collection.
Meanwhile, you can sell rare coins on eBay.
But take into account that if you manage to sell your item then eBay will charge you 10% of the money you made – this includes postage and packaging.
Always keep proof of postage to protect yourself from dodgy buyers who may claim they never received their item.
Send the parcel by tracked delivery if you can.
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
Huge pizza chain issues urgent warning to customers over popular dip feared to be contaminated
A MAJOR pizza chain has issued an urgent warning to customers after fears over contaminated popular dips.
The global restaurant company, with more than 450 branches across the UK, was forced to stop serving the much-loved condiments.
Papa Johns issued the warning over two products amid health fears and allergy risks.
Their Garlic and Herb Dip, and their Vegan Ranch Dressing were pulled as they may contain traces of peanuts.
A Papa Johns spokesman said: “At Papa Johns, customer safety is our top priority.
“Certain batches of our Garlic and Herb Dip and our Vegan Ranch Dressing may contain traces of peanuts. Our 25g dips are included with pizzas, and we recently introduced a 100g version. If you have a peanut allergy, please do not consume these dips and dispose of them.
“Our Vegan Ranch Dressing, used on products, may also contain traces of peanuts. If you have a peanut allergy, please avoid these items.
“We are working quickly to resolve this issue. In the meantime, we will replace the Garlic and Herb Dip with our Special Garlic Dip, which is unaffected.
“For any questions or concerns, please contact us at info@papajohns.co.uk.
“We sincerely apologise for any inconvenience and thank you for your understanding.”
Fellow industry titan, Domino’s, was forced to make the same announcement last month.
Two Domino’s dip flavours are among the recalled items: the Domino’s Garlic & Herb Dip and the Honey & Mustard one.
Domino’s previously urged those with a peanut allergy to dispose of the dips mentioned on the recall alert and avoid consuming them.
The fast-food chain apologised for any concern this may cause and recommended that customers with queries visit their contact form here.
A Domino’s spokesman said: “At Domino’s Pizza, the quality of our products and the safety of our customers is the highest priority, particularly when it comes to allergens.
“We have become aware that some of our Garlic & Herb and Honey & Mustard dip may contain traces of peanut.
“This issue may impact both our 100g ‘Big Dip’ pots and the smaller, 25g, pots we provide with our pizzas.
“If you DO HAVE A PEANUT ALLERGY, please dispose of the dips and do not consume them.
“If you DO NOT have a peanut allergy, no further action is required.”
The signs of an allergic reaction and anaphylaxis + what to do
SYMPTOMS of an allergy usually occur within minutes of contact with with the offending food or trigger, but they can also come on up to one hour later.
Most allergic reactions are mild but they can also be moderate or severe.
Anaphylaxis is the most severe form of allergic reaction which can be life threatening.
In some cases, anaphylaxis symptoms lead to collapse and unconsciousness and, on rare occasions, can be fatal so it’s important to know how to recognise them and act quickly.
Mild to moderate symptoms include:
- Itchy mouth, tongue and throat
- Swelling of lips, around the eyes or face
- Red raised itchy rash (often called nettle rash, hives or urticaria)
- Vomiting, nausea, abdominal pain and diarrhoea
- Runny nose and sneezing
Severe symptoms of anaphylaxis include:
- Swelling of your throat and tongue
- Difficulty breathing or breathing very fast
- Difficulty swallowing, tightness in your throat or a hoarse voice
- Wheezing, coughing or noisy breathing
- Feeling tired or confused
- Feeling faint, dizzy or fainting
- Skin that feels cold to the touch
- Blue, grey or pale skin, lips or tongue – if you have brown or black skin, this may be easier to see on the palms of your hands or soles of your feet
Anaphylaxis and its symptoms should be treated as a medical emergency.
Follow these steps if you think you or someone you’re with is having an anaphylactic reaction:
- Use an adrenaline auto-injector (such as an EpiPen) if you have one – instructions are included on the side of the injector.
- Call 999 for an ambulance and say that you think you’re having an anaphylactic reaction.
- Lie down – you can raise your legs, and if you’re struggling to breathe, raise your shoulders or sit up slowly (if you’re pregnant, lie on your left side).
- If you have been stung by an insect, try to remove the sting if it’s still in the skin.
- If your symptoms have not improved after 5 minutes, use a second adrenaline auto-injector.
Do not stand or walk at any time, even if you feel better.
Sources: Allergy UK, NHS
It comes as the Food Standards Agency has issued a number of alerts for food products containing mustard powder, imported from India, which may have been contaminated with peanuts.
The food watchdog recalled dozens of foods and condiments they had reason to believe might be with peanuts not listed on the label.
Sold under various brand names and across a range of stores, recalled dips, sandwiches and salads contain mustard, which may have traces of peanuts.
“This means these products are a possible health risk for anyone with an allergy to peanuts,” the Food Standard Agency (FSA) said.
“If you have bought any of the above products and have an allergy to peanuts, do not eat them.”
The alert was first issued when the food watchdog urged Brits with peanut allergies to avoid all mustard-containing products while they determined the source of the contamination.
Since then, they have published a full list of 64 products they believe have been contaminated, which was updated yesterday to include the Thiccc Sauce Meat Candy & Thiccc Sauce BBQ Sriracha.
Sold in convenience stores and off-licences, a number of SPAR sandwiches, wraps and pasta salads have been pulled from shelves too.
Other items included on the recent recall alert that may contain traces of peanuts include Fazilas wraps and Clayton Park sandwiches.
Peanut allergies are particularly common, affecting about one in 50 children in the UK, increasing in recent decades, according to Allergy UK.
Rebecca Sudworth, Director of Policy at the FSA, said: “This remains a complex investigation, and we are continuing to work with Food Standards Scotland, relevant businesses, local authorities, and agencies to ensure the necessary measures are in place to protect consumers.
“While our investigations continue our advice remains the same: people with a peanut allergy should continue to avoid consuming all foods that contain or may contain mustard, mustard seeds, mustard powder or mustard flour.
“Our current focus is to ensure all affected products have been withdrawn and recalled.
“Once this has taken place, we are confident we’ll be in a position to remove some of our additional advice for consumers, so they can continue to enjoy food that is safe and trust the product label and information accurately reflects the allergenic content.
“Until this happens it’s very important that people with a peanut allergy continue to avoid any product containing mustard or mustard ingredients.”
Full list of recalled products
- Thiccc Sauce Meat Candy
- Thiccc Sauce BBQ Sriracha
- En Route Macaroni Cheese
- Carlos Takeaway Garlic & Herb Dip
- Pro-Cook Macaroni Cheese
- Spa Macaroni Cheese
- Jack’s Macaroni Cheese
- Dominos The Big Dip – Garlic & Herb
- Dominos Garlic & Herb Dip
- Dominos Honey & Mustard Dip
- Jack’s Egg Mayonnaise Deli Filler
- Green Cuisine Mustard Powder
- Jack’s Potato Salad
- Jack’s Cheese & Onion Deli Filler
- Jack’s Coronation Chicken Deli Filler
- SPAR Coleslaw
- SPAR Chicken and Bacon Sandwich Filler
- SPAR Tuna and Sweetcorn Sandwich Filler
- SPAR Cheese and Onion Sandwich Filler
- SPAR Onion and Garlic Dip
- SPAR Sour Cream and Chive Dip
- Trailhead Fine Foods Get Jerky – BBQ Beef Jerky
- Jack’s Potato SPAR Tuna and Corn Pasta Salad
- SPAR Chicken and Bacon Pasta Salad
- SPAR Chicken, Tomato and Basil Pasta Salad
- SPAR Chicken, Honey and Mustard Pasta Salad
- SPAR BLT Sandwich
- SPAR Cheese Savoury Sandwich
- SPAR Chicken Club Sandwich
- SPAR Chicken Caesar Wrap
- SPAR Chicken Mayonnaise Sandwich
- SPAR Chicken Salad Sandwich
- Tim Horton’s BBQ Sauce dip
- SPAR Chicken and Bacon Sandwich
- SPAR Prawn Mayonnaise Sandwich
- SPAR Simply Tuna and Corn Sandwich
- SPAR Tuna Crunch Roll
- SPAR Tuna Mayonnaise Sandwich
- SPAR Tuna Wrap
- SPAR Cajun Chicken Wrap
- SPAR Chicken Tikka Wrap
- SPAR Hot and Spicy Cheese Wrap
- SPAR Sweet Chilli Chicken Wrap
- Fireaway BBQ Sauce Dip Pot
- Fazilas Chicken Tender Wrap
- Fazilas Chilli Cheese Wrap
- Fazilas Tandoori Chicken Wrap
- Clayton Park BLT
- Clayton Park Cheese Savoury Sandwich
- Clayton Park Chicken Club Sandwich
- Clayton Park Chicken Caesar Wrap
- Clayton Park Chicken Mayonnaise Sandwich
- Clayton Park Chicken Salad Sandwich
- Clayton Park Chicken and Bacon Sandwich
- Wisely Well Macaroni Cheese
- Clayton Park Prawn Mayonnaise Sandwich
- Clayton Park Simply Tuna Sandwich
- Clayton Park Tuna Crunch Roll
- Clayton Park Tuna Mayonnaise Sandwich
- Clayton Park Tuna Wrap
- Clayton Park Chicken Club Sandwich
- Parsley Box Macaroni Cheese
- Diet Chef Macaroni Cheese
- Jane Plan Macaroni Cheese
- Papa Johns Pizza Garlic and Herb Dip
- Papa Johns Pizza Vegan Ranch Dressing
Money
Little-known fridge cleaning trick that could save cash on your energy bills – and it costs just 40p
CLEANING is one of those jobs no one really enjoys doing, but sprucing up your fridge could actually save you cash.
That’s because if you neglect cleaning certain appliances, it’s not just unhygienic, but it can be costly too.
With energy bills rising by £149 annually for the average household at the beginning of this month, we’re all looking for ways to save.
And the key to saving cash could be giving your fridge a good scrub.
But only a fifth of households clean their fridge just twice a year, according to Lakeland’s Trends Report.
Some 18% of households clean their fridge twice a year, while 16% do it on an “ad hoc” basis only when it becomes noticeably dirty.
But kitchen experts actually advise that you should clean your fridge after every big supermarket shop.
Not only will this prevent bacteria from lurking, it can also help it to run more efficiently.
Simply cleaning and dusting the coils at the back of your fridge can slash energy consumption by up to 25%, according to Which?.
This is because dust on the coils can prevent the fridge from cooling properly.
You can vacuum away the dust and dirt to get your fridge freezer working more efficiently again which should bring down your energy usage.
You can prevent dirt and grime from clogging the coils by using reusable food covers to stop spills from opened packets or leftovers.
Covermate elasticated covers cost just £3.49 for a pack of eight from Lakeland. Or Tesco sells three reusable silicone lids for £3.
If you do have a spillage, it’s important to make sure that you clean it up straight away.
Flash kitchen cleaning spray costs at little as 40p at Morrisons.
Of course, it’s important to compare prices to make sure you’re getting the best deal.
Supermarkets change their prices all the time, sometimes multiple times daily, so it’s worth checking you’re getting the best price.
You can use websites like Trolley to see how the major supermarket’s compare in terms of price on any number of goods.
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.
Other tips to cut fridge freezer costs
If you don’t defrost the freezer compartment in your fridge regularly, it could add significantly to your bills.
The frost buildup increases the amount of work your freezer’s motor has to do.
And if the motor is working harder, then this means it’s using more energy.
You can chip away at any build-up once it starts to look a little glacial inside and then your energy bill won’t have to take such a hit.
It’s also important to clean the condenser coils on the back of the appliance, as dust on the coils can prevent the fridge from cooling properly.
Replace damaged door seals to ensure cold air cannot escape and be wasted and let food cool down completely before refrigerating.
New seals are often available online for £30 to £100.
If you’re looking to replace an old model with a new eco-friendly version you could also save on your energy bills each year.
It’s worth shopping around to make sure you’re getting the best model at the best price if you decide to go down this road.
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
Exact date thousands can apply for £200 extra payment to help with winter energy bills – check if you’re eligible
THOUSANDS of brits could pocket an extra £200 to help with soaring winter energy payments – check if you’re eligible.
The Household Support Fund offers families a helping hand when they may need it most, whether it’s with the food shop, school uniform or paying essential bills.
In September, the Department for Work and Pensions announced the HSF in Birmingham will be extended from October 2024 to March 2025.
Thousands may be eligible to claim the cash boost from Birmingham Voluntary Service Council (BVSC).
The £200 grant can be put towards household essentials including energy and food bills.
It won’t have an effect on any other benefits you may be receiving or be entitled to.
The payment is usually transferred directly into a bank account in the applicant’s name.
Who is eligible
According to Birmingham City Council, you must meet the following requirements to be eligible:
- be a Birmingham resident
- be experiencing financial hardship, particularly with covering costs linked to food and energy
- not have received a £200 grant payment in the last 12 months
Each household is only eligible to receive one £200 grant payment in a 12 month period.
How to apply
To apply, those eligible need to complete the Hardship Grant Community Fund expression of interest form.
This can be accessed on the Birmingham City Council website under Cost of Living Support, Household Support Fund 2024 to 2025.
All applicants will be contacted via email with details of the next steps should they be accepted.
If you’re invited to apply, you will likely need to provide proof of your address and proof that you’re receiving means-tested benefits, if applicable.
Further support
Information can be accessed through these websites
What is the Household Support Fund?
Households in need can claim support to help with the cost of living via the Household Support Fund.
The funding is supplied from a £421million pot by the Department for Work and Pensions.
It was first introduced in October 2021 and has been extended five times.
Councils up and down the country get a portion of the cash to allocate to vulnerable households.
For example, Medway Council in Kent, South-East England, is offering thousands of households supermarket vouchers worth up to £225.
Some could qualify for electronic energy cards or e-vouchers to cover water bills worth £100 too.
Get in touch with your local council to see if you might be eligible for help.
You can find what council area you fall under by using the Government’s council locator tool on its website.
The help you can get varies depending on who your local council is, as well as your personal situation.
But you may be able to get free cash and vouchers to help pay for things like heating your home or to cover costs of your weekly grocery shop.
If an applicant is already receiving benefits, these will not be affected by the HSF.
And, you do not need to be getting benefits to receive vouchers or funds from the HSF.
Check with your local council to find out what support is available and the eligibility criteria.
Household Support Fund explained
Sun Savers Editor Lana Clements explains what you need to know about the Household Support Fund.
If you’re battling to afford energy and water bills, food or other essential items and services, the Household Support Fund can act as a vital lifeline.
The financial support is a little-known way for struggling families to get extra help with the cost of living.
Every council in England has been given a share of £421million cash by the government to distribute to local low income households.
Each local authority chooses how to pass on the support. Some offer vouchers whereas others give direct cash payments.
In many instances, the value of support is worth hundreds of pounds to individual families.
Just as the support varies between councils, so does the criteria for qualifying.
Many councils offer the help to households on selected benefits or they may base help on the level of household income.
The key is to get in touch with your local authority to see exactly what support is on offer.
And don’t delay, the scheme has been extended until April 2025 but your council may dish out their share of the Household Support Fund before this date.
Once the cash is gone, you may find they cannot provide any extra help so it’s crucial you apply as soon as possible.
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