Money
How to check if you’re eligible for DWP winter cash including cold weather payments and warm home discount
MILLIONS are eligible for free cash from the Department for Work and Pensions (DWP) this winter.
Hard-up households are in line for help through a number of Government schemes and funds.
In some cases you have to apply while in others those who qualify receive payments automatically.
Whether you are eligible for all of them depends on your exact circumstances too.
From the cold weather payment, to Household Support Fund and Warm Home Discount scheme, here’s all the help on offer.
Cold weather payment
Cold weather payments are made to households in areas that experience continual cold temperatures over the winter months.
The payments are usually made between November 1 and March 31 to those on certain benefits.
You get £25 for each seven day period where the temperature is zero degrees celsius or below in your area, with payments usually processed in 14 working days.
That means if you live somewhere where temperatures were sub-zero for two weeks, you would get £50.
You usually qualify for a cold weather payment if you are on one of the following benefits:
Most eligible people don’t need to apply to get cold weather payments.
However, if you are on Income Support, income-based Jobseeker’s Allowance (JSA) or income-related Employment and Support Allowance (ESA) and have had a baby or have a child under five living with you, you need to tell your local Jobcentre Plus centre.
If you don’t, you won’t receive any of the payments despite being eligible.
You can check if you’re eligible for a cold weather payment via gov.uk.
Warm Home Discount Scheme
The Warm Home Discount Scheme sees households on certain benefits receive a one-off discount on their energy bills worth £150.
The discount is automatic for the vast majority of qualifying households and is applied between October and the following March.
You are automatically eligible if you receive the Guarantee Credit part of Pension Credit.
You also qualify if you are on a number of other benefits and live in a home with a high energy cost score.
This is calculated by the Government based on the type, age and size of your property.
You may not qualify for the Warm Home Discount if you live in a more energy-efficient home for example.
The £150 discount is applied to your bill by your energy supplier.
The full list of suppliers who are part of the scheme can be found via https://www.gov.uk/the-warm-home-discount-scheme/energy-suppliers.
Households in Scotland don’t need to apply for the Warm Home Discount if they get the Guarantee Credit element of Pension Credit.
However, you do need to apply via your energy firm if you receive any of the other qualifying benefits.
Household Support Fund
The Household Support Fund has been extended multiple times, first launching in October 2021.
The latest round is worth £421million and has been shared by the DWP between councils in England.
These councils then have to decide who to give money to, and how to distribute it.
That means what you are entitled to depends on where you live and it can be a bit of a postcode lottery.
However, you might be eligible for direct bank transfers, supermarket or energy vouchers.
You may even qualify for discounted white goods.
Households in Birmingham can get £200 cash grants paid into their bank accounts by the city council.
Meanwhile, Nottinghamshire Council is paying tens of thousands of households £200 one-off payments.
You can check if you’re eligible for help by contacting your local council which you can find via www.gov.uk/find-local-council.
Are you missing out on benefits?
YOU can use a benefits calculator to help check that you are not missing out on money you are entitled to
Charity Turn2Us’ benefits calculator works out what you could get.
Entitledto’s free calculator determines whether you qualify for various benefits, tax credit and Universal Credit.
MoneySavingExpert.com and charity StepChange both have benefits tools powered by Entitledto’s data.
You can use Policy in Practice’s calculator to determine which benefits you could receive and how much cash you’ll have left over each month after paying for housing costs.
Your exact entitlement will only be clear when you make a claim, but calculators can indicate what you might be eligible for.
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
‘It was a thing of beauty’ say shoppers as Twinings confirms it has discontinued a popular tea
ICONIC tea company Twinings has discontinued a popular tea flavour, confirming the news on social media.
The calming brew, a favourite amongst tea-lovers, has now permanently disappeared from the shelves.
Inner Strength was a calming rooibos tea, made with honey, chai and maca.
After learning of its discontinuation, one fan wrote on X: “That’s a shame. It was a thing of beauty.”
The same user had previously quizzed the brand on where the teabags had gone, typing: “@TwiningsUK hello there. Do you still sell the inner strength tea bags please.
“I can’t seem to find them anywhere anymore.”
To this, a spokesperson confirmed: “We’re sorry to let you know that our Inner Strength has been discontinued and we have sold through all our remaining stock.”
It comes as a popular Yorkshire Tea product has also been axed – Toast and Jam teabags.
The gradual phase-out of the comforting brew has left customers desperately scrambling for one last box.
One panicked X user wrote: “Have you stop making jam and toast… I need my morning fix! Help this is a genuine emergency! Asda and Sainsbury’s online stopped stocking it! Helllllppppp.”
It’s understood that the blend is now being replaced by the brand’s new “Caramelised Biscuit Brew” – designed to conjure the comforting taste combination of a brew and a biscuit.
The discontinuation of Inner Strength is not the first time Twinings has axed a beloved tea.
Last year, it got rid of the Boost Superblend, a soothing detox blend.
It also ditched the Seasons Greeting Christmas tea, prompting an apology from the brand.
A spokesperson wrote an X: “We’re afraid our Seasons Greetings Christmas Tea is no longer available as sadly, this was discontinued due to a lack of demand.
“We’re really sorry & will pass your interest on to our Product Development team.”
Last month, Twinings also lost out as the nation’s favourite tea maker, as Asda Everyday Tea Bags nabbed top spot with PG Tips a close second.
Twinings Everyday was at the bottom of the table, tied with Tesco Original Tea – with both scoring just 67%.
The results followed a blind taste-test by 79 experienced tea drinkers.
At £4.80 per 80 bags, Twinings costs four times the price of Asda’s winning cuppa.
More than 60% of judges liked the colour and bitterness level of Twinings but fewer than half said they were satisfied with the brew’s strength of flavour.
How to save on your supermarket shop
THERE are plenty of ways to 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.
Money
Shoppers at major fashion brand furious after being banned from site for ‘excessive’ returns
SHOPPERS at a major fashion brand have been left fuming after being banned from the site for “excessive” returns.
PrettyLittleThing has deactivated a number of customers’ online accounts because of the number of times they have returned orders.
Baffled customers have insisted they haven’t returned enough to justify a ban from the retail giant.
Some of those affected have taken to social media to criticise the new policy, with many claiming they would return fewer items if the sizing of PLT clothes was more consistent.
One TikTok user vented her ban on the platform while demanding an explanation for the bizarre sanction.
Faye said on the social media: “The only reason I return clothes is because it’s poor quality, it’s not as described on the website, the sizing standards are awful – yet PrettyLittleThing still think it’s a clever move to ban people from shopping from them because they can’t stick to their descriptions of clothes.
She backed her claim by displaying an email that confirmed she had been banned “in accordance with terms and conditions” after reviewing her “account activity”.
This apparently revealed “unusually high returns activity” – disallowing her from placing “any further orders”.
Seeing both sides, Faye said she understood why they may have wanted to clamp down on “girls spending hundreds of pounds for content making PrettyLittleThing hauls”.
This is because some purchasers then go and return everything, but the TikToker remained confused over the decision to ban her given they’re an “online website”.
She added: “And if you say something’s a size 10 and it turns up fitting a size 6 girl instead, what do you expect?”
The most disgruntled customers are those who have paid £9.99 for PLT’s Royalty scheme, which offers free next day delivery and free returns to members.
Fellow fuming customers took to Faye’s comments to express their frustration on the bizarre banning.
One user said: “I have an online account with them but I’ve never actually ordered anything, I got an email today. I think it’s a glitch.”
Another commented: “Very real. I’m FUMING; I’ve literally sent 3 orders back this year out of about 20 orders and it’s the sizing issues.”
And: “I’m the type of person to order loads of dresses for an occasion and then I’ll return what I won’t wear!”
Other users revealed how they had previously been sent the wrong order by PLT, and therefore don’t understand how the retailer could put such a ban on returns.
A disgruntled shopper said: “One time they sent me THE WRONG DRESS.”
Another added: “I got this, fuming. It’s okay though when they send the wrong items in an order, send orders out late, and take my royalty fee for the year that I paid for.”
PLT is part of the Boohoo Group and was founded by Mahmud Kamani in 2006 as an accessories-only brand that focused on selling trendy gear for cheap.
It was co-founded and headed up by Umar Kamani, one of Mahmud Kamani’s sons, who was the catalyst in the brand’s celebrity appeal .
Despite the cheap price point of its items, PLT has executed a number of star-studded collaborations.
These include with the likes of supermodel Naomi Campbell and a number of sell-out collections with influencer Molly-May Hague.
PrettyLittleThing have been approached for comment.
Is supermarket fashion the new high street?
DEPUTY Fashion Editor Abby McHale weighs in:
The supermarkets have really upped their game when it comes to their fashion lines. These days, as you head in to do your weekly food shop you can also pick up a selection of purse-friendly, stylish pieces for all the family.
Tesco has just announced a 0.7 per cent increase in the quarter thanks to a ‘strong growth in clothing’ and M&S has earnt the title of the number one destination for womenswear on the high street.
Asda’s clothing line George has made £1.5 million for the supermarket in 2023, 80 per cent of Sainsbury’s clothes sold at full price rather than discounted and Nutmeg at Morrisons sales are also up 2 per cent in the past year.
So what is it about supermarket fashion that is becoming so successful?
Apart from the clothing actually being affordable, it’s good quality too – with many being part of schemes such as the Better Cotton Initiative.
A lot of the time they keep to classic pieces that they know will last the customer year after year.
Plus because they buy so much stock they can turn around pieces quickly and buy for cheaper because of the volumes.
Money
Is Now the Right Time to Invest in Gold Prices Near $2,800?
Gold Prices Are Nearing the $2,800 Mark: Is It a Good Time to Invest?
The gold market has seen remarkable growth throughout 2024, with prices reaching new heights and breaking multiple records. The bull market for gold began in early March when prices soared to $2,160 per ounce, marking an 8% increase from the previous record set in December 2023. This upward trend has continued, with gold prices consistently breaking records as they climb. Currently, prices are approaching $2,800 per ounce. This rapid increase has led to substantial gains for investors who entered the market earlier this year. For instance, those who bought gold in March at $2,160 per ounce have experienced a nearly 27% rise in value since then. This is a significant increase in just a few months, especially for an asset typically associated with long-term growth. However, while early investors have reaped the benefits of this price surge, potential newcomers may be questioning whether now is the right moment to invest. The idea of purchasing at such high prices seems to contradict the fundamental investment principle of buying low and selling high. So, is it wise to invest in gold at this premium price?
Is Now the Right Time to Invest in Gold?
When considering your investment strategy, it’s essential to align it with your personal goals. That said, there are several compelling reasons to consider adding gold to your portfolio at this moment, despite its elevated price.
Potential for Further Price Appreciation
Although gold is currently trading near $2,800 per ounce, many analysts believe there is still potential for prices to rise even more. Some forecasts suggest that gold could hit $3,000 per ounce by the end of the year or shortly thereafter. This optimistic outlook is supported by several factors:
- Institutional Demand: Central banks worldwide are increasingly purchasing gold, which strengthens demand and supports higher prices. In 2023, they acquired over 1,136 metric tons, the highest in over five decades.
- Limited Supply: The finite nature of gold means that as demand increases, prices are likely to rise due to scarcity. Many major gold mines are approaching depletion, adding pressure to the supply chain.
- Industrial Applications: Gold is increasingly utilized in various industries, including electronics and healthcare. This growing industrial demand further enhances its value, as new applications create additional reasons for businesses to seek gold.
By investing now, you may be setting yourself up to take advantage of potential price increases in the future, even if the current price seems steep. Delaying your purchase might result in missing out on a more favorable entry point.
Safeguarding Against Economic Uncertainty
While inflation has eased considerably in recent months, it’s not the only economic factor that could affect your investment strategy. The global economy is still grappling with various challenges, such as persistent geopolitical tensions and economic instability. Historically, gold has been viewed as a dependable safeguard against these uncertainties, making it a wise choice to invest in now. Here’s how it can shield you in a volatile economic landscape:
- Preserving Purchasing Power: Gold has historically maintained its value over time, helping investors protect their purchasing power in the face of inflation and currency fluctuations.
- Safe-Haven Asset: During periods of economic distress or geopolitical tensions, gold often sees a surge in demand, serving as a reliable store of value when other investments falter.
- High Liquidity: Gold is easily convertible to cash, offering financial flexibility. Whether through physical gold or gold ETFs, investors can liquidate their holdings quickly during economic downturns, ensuring access to necessary funds.
The Importance of Portfolio Diversification
One of the key reasons investors include gold in their portfolios is its unique relationship with other assets. Gold has historically demonstrated a low or negative correlation with stocks and bonds, meaning that when the stock market faces downturns, as it has recently, gold often remains stable. By adding gold to your portfolio now, even at current elevated prices, you’re incorporating an asset that doesn’t move in tandem with traditional investments. This helps to lower the overall risk and volatility of your portfolio, ensuring that even if other investments are underperforming, a portion of your wealth stays safeguarded.
The Key Takeaway
The recent rise in gold prices has led some investors to wonder if it’s the right moment to make a purchase. Although investing in any asset at its peak can feel risky, there are compelling reasons to consider adding gold to your portfolio, even at these higher prices. The possibility of further price increases, the necessity for a dependable safeguard against persistent economic instability, and the diversification advantages that gold offers all highlight its lasting worth as an investment.
Related: Should I invest in Gold?
Money
UK’s largest parcel delivery firm confirms final send dates to ensure Christmas presents get delivered on time
THE UK’s largest parcel delivery firm have announced their final send dates to ensure Christmas gifts arrive in time.
Evri has warned to send Christmas gifts as early as possible and not leave it to the last minute.
As the festive season approaches, Evri has announced its final send dates to ensure Christmas gifts reach loved ones in time.
With the busy Christmas period ahead, Evri is encouraging customers to send their parcels as early as possible to avoid any last-minute rush.
Thursday 19 December will be your last chance for courier collections.
The deadline for sending standard delivery parcels from ParcelShops will be on Friday 20 December by 11am.
And the final cut-off point for next-day parcels being drop off at a ParcelShop will be 11am on 21 December.
Additionally, in preparation for the busy Christmas season, Evri has extended its successful partnership with the Post Office.
Starting in November 2023, this partnership allowed customers to send Evri parcels from 2,000 branches for the first time in the Post Office’s long history.
By the end of October 2024, more than 3,200 Post Office branches will offer Evri parcel drop-off services – significantly expanding Evri’s network to over 16,800 locations across the UK.
This includes Post Offices, Tesco Express stores, lockers, and many independent convenience stores.
Depending on the weight and size of your parcel, you could send your parcels from as little as £2.62 with Evri.
Find your nearest Evri ParcelShop here.
Evri UK domestic Christmas posting deadlines
- Thursday 19th December: Last day for courier collections.
- Friday 20th December by 11am: Deadline for sending standard delivery parcels from ParcelShops.
- Saturday 21st December by 11am: Last chance for next-day delivery parcels from ParcelShops.
It comes as Royal Mail is set to make a major change to second class postal services as part of a new shake-up.
Under an overhaul being considered by the industry watchdog, the postal service could be allowed to ditch Saturday deliveries for second class letters.
Regulator Ofcom, which has been consulting on the future of the universal postal service since January, said it is now focusing efforts on changes to the second class service while keeping first class deliveries six days a week.
Under the plans being considered, second class deliveries would not be made on Saturdays and would only be on alternate weekdays, but delivery times would remain unchanged at up to three working days.
Ofcom said no decision had been made and it continues to review the changes, with aims to publish a consultation in early 2025 and make a decision in the summer of next year.
Royal Mail has urged the Government and Ofcom to review its obligations, arguing that it is no longer workable or cost-effective, given the decline in addressed letter post.
In its submission to Ofcom in April, it proposed ditching Saturday deliveries for second class post and cutting the service to every other weekday.
Lindsey Fussell, Ofcom’s group director for networks and communications, said: “If we decide to propose changes to the universal service next year, we want to make sure we achieve the best outcome for consumers.
“So we’re now looking at whether we can get the universal service back on an even keel in a way that meets people’s needs.
“But this won’t be a free pass for Royal Mail – under any scenario, it must invest in its network, become more efficient and improve its service levels.”
NO SERVICE DAYS
ROYAL Mail operates round the clock throughout most of the year.
But there are a handful of days when no delivery and collection services are offered:
- New Year’s Day
- Good Friday
- Easter Monday
- Early May Bank Holiday
- Spring Bank Holiday
- Summer Bank Holiday
- Christmas Day
- Boxing Day
Money
Newcore raises £80m to acquire assets for its value-add fund
The financing package includes a £40m debt facility, comprising a £20m senior loan facility and a £20m revolving credit facility.
The post Newcore raises £80m to acquire assets for its value-add fund appeared first on Property Week.
Money
Larissa Dos Santos Lima’s $72,000 Plastic Surgery Journey
Larissa Dos Santos Lima’s Transformative Plastic Surgery Journey: Empowerment or Excess?
Larissa Dos Santos Lima, known for her captivating presence on 90 Day Fiancé, has made headlines for her extensive plastic surgery journey, investing over $72,000 in various procedures to transform her look. As a social media personality constantly in the spotlight, Larissa takes pride in sharing her experiences with fans, showcasing her quest for beauty and self-improvement.
In a revealing interview with Life & Style in September 2020, Larissa opened up about her motivations for these transformations. “I have family in Brazil and a younger boyfriend who is 28,” she explained. “Being in the public eye can be challenging. While I do face criticism, many of my supporters are genuinely curious about my procedures and fashion choices. I want to feel good about myself, support my family back home, and build a life for myself here.”
The Belly Button Mishap
However, her journey hasn’t been without its challenges. Larissa faced a distressing setback when she revealed that her belly button was “removed” during what she described as a “botched procedure.” In an emotional update, she disclosed that she underwent “three very painful revisions to create a belly button,” but unfortunately, it was never successfully fixed.
During a candid Instagram Story Q&A in September 2022, Larissa shared her thoughts on her body image post-surgery. Despite the hardships, she expressed that she is “pretty happy” with her current appearance and has decided to halt further cosmetic procedures. When a fan asked about the possibility of future surgeries, Larissa thoughtfully replied, “Sometimes I think about how my waist looks when I pose, but honestly, it’s a bit crazy to consider going under the knife just to have a smaller waist. At what point do you stop? I want to enjoy my life now … without worrying about my appearance.”
Larissa’s journey serves as a reminder that beauty is subjective and that the pursuit of self-love and acceptance often comes with its own unique challenges. As she moves forward, fans are eager to see how she continues to embrace her evolving identity in the public eye.
The Hidden Dangers of Plastic Surgery Addiction: What You Need to Know
Plastic surgery can be a powerful tool for enhancing one’s appearance and boosting self-confidence, but it’s important to recognize the potential risks involved—both medical and psychological. The pursuit of beauty can sometimes lead to unhealthy obsessions, fueled by societal pressures and unrealistic beauty standards that the industry perpetuates.
When celebrities like the Kardashians share their experiences with procedures like lip fillers or breast augmentations, it can spark a trend among fans and followers. This phenomenon helps explain the rising popularity of procedures such as Brazilian butt lifts (BBLs) and buccal fat removal. The desire to alter one’s body often stems from an aspiration to mirror the looks of beloved movie stars. However, a study published in the 2024 Journal of Media Psychology emphasizes the importance of managing expectations. It highlights the vast difference between the polished images we see on screen and the everyday realities of life.
While cosmetic procedures can produce satisfying results, it’s essential to remember that they aren’t miraculous solutions. Celebrities benefit from a team of professionals, including makeup artists, nutritionists, publicists, and stylists, all contributing to the flawless images we admire. Unfortunately, these depictions can distort our perception of beauty, leading many to believe they need drastic changes to feel worthy or attractive.
The journey can become even more complicated when individuals find themselves unhappy with their results, often leading to additional surgeries in a quest for their ideal appearance. The American Society of Plastic Surgeons reported a consistent rise in cosmetic procedures in 2022, raising concerns about the potential for addiction to aesthetic changes. This underscores the necessity for thorough psychological assessments by medical professionals before agreeing to multiple or repeated surgeries.
Empower Yourself with Thoughtful Choices
Cosmetic surgery can be transformative when approached with care and mindfulness. To minimize the psychological risks associated with surgery, here are some practical tips to consider:
- Set Realistic Expectations: Aim for achievable results rather than striving for perfection. Recognize that every individual’s experience is unique, and it’s unrealistic to expect drastic changes.
- Encourage Open Dialogue: Keep communication lines open with your plastic surgeon and your loved ones. Discuss your motivations, concerns, and emotional well-being throughout the process.
- Seek Professional Support: If you find yourself struggling with your emotions post-surgery, don’t hesitate to reach out for help from mental health professionals.
- Cultivate Media Awareness: Develop critical thinking skills when engaging with media portrayals of beauty and surgical outcomes. Understand that the notion of a “perfect look” is often a fantasy.
The relationship between plastic surgery and mental health is intricate and varies from person to person. Plastic surgeons play a vital role that extends beyond the operating room. By being aware of potential challenges and promoting informed decision-making, cosmetic surgery can become a source of empowerment rather than insecurity or disappointment. Remember, true beauty comes from within, and making thoughtful choices can help you feel confident in your skin, no matter what.
Conclusion
Navigating the world of plastic surgery requires careful consideration and self-reflection. It’s vital to prioritize your mental health while exploring ways to enhance your appearance. By fostering a healthy relationship with beauty standards and seeking the right support, you can embark on a journey that truly celebrates you.
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