NESTLE is bringing back a Quality Street fan-favourite for the second Christmas in a row.

The coffee creme flavour chocolate was last seen in Quality Street tubs over 20 years ago, until the chocolatier reintroduced it last year.

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Nestle has confirmed that the sweet treat will be available once again this Christmas.

However, fans won’t find the iconic flavour in the usual Quality Street tubs.

Instead, the coffee-flavour fondant wrapped in dark chocolate will join the 11 other Quality Street sweets at pick and mix stations across selected John Lewis stores in the UK.

The first pick and mix station opened today (September 25) at John Lewis’s flagship store on Oxford Street.

Other participating stores will begin rolling out the sections throughout October.

However, if you don’t live near a John Lewis, you can still get your hands on Quality Street’s coffee creme chocolates.

They will also be available in a limited-edition cracker at Waitrose and John Lewis stores for £5.50.

Shoppers can also buy a bag of coffee creme chocolates to add to their current Quality Street tins for £4.50.

Emily Grimbley, brand manager for Quality Street, said: “It’s a pleasure to share the news that coffee creme will be returning for Christmas 2024.

“This is an absolute fan favourite, and we are delighted to have it on shop shelves for Quality Street fans nationwide.  

“We know how passionately Quality Street fans feel about their favourite sweets, so the pick and mix stations at John Lewis are people’s chance to fill up their own bespoke mix with just the sweets that they and their friends and family love.”

Fans of the discontinued chocolate will be delighted to hear it is making a comeback.

NEW TINS FOR 2024

Nestlé, has launched a new version of its 813g Quality Street tin for sweet-toothed customers this winter.

The £12 tub features all the usual classic flavours and plays on Quality Street’s Halifax heritage – where it was first manufactured in 1936 and still is.

The 813g Quality Street tin is available now across a host of retailers nationwide including Asda, Co-op, Morrisons, B&M and Sainsbury’s.

This is the full list of chains you can get it from:

• Asda
• Co-op
• B&M
• Morrisons
• Nisa
• Ocado
• Sainsbury’s
• Booths
• Spar
• Waitrose

But despite the shiny nature of the new tub, which contains 471 calories per 100 grams, plenty have been left saying one thing in particular – how they want the old wrappers back.

It comes after the chocolatier scrapped its old packaging in October 2022 and replaced it with eco-friendly waxed paper wrappers.

Commenting on the Nestlé post, one shopper said: “Yesterday I bought a box and I was surprised.

“Plastic and the paper (packaging) is so ugly and cheap.”

Another commented: “Please can we also have the old wrappers back. Those ones from last year were truly awful.”

A third added: “Nice tin but sadly the sweets and wrappers are dreadful now.”

But not all shoppers are downbeat about the new tin.

One said “I love the more traditional look” while another added “beautiful tin. Would love one”.

Meanwhile, a third piped up: “Love it!”

Shoppers can pick up the new 813g tin for £12, £1.48 per 100g, which can obviously be reused after all the chocolates have been eaten.

However, if you’re not fussed about the nostalgic tin, you’ll pay less going for a different tub or packet.

Shoppers can pick up a plastic 600g tub from Tesco for £4.50 – 75p per 100g – if you’ve got a Clubcard.

You can also pick up a 357g sharing bag of Quality Street from B&M for just £4 – £1.12 per 100g.

The launch of Quality Street’s new tin comes after a number of other retailers started stocking Christmas bits.

Tesco shoppers have been rushing to get their hands on Celebration tubs with just one iconic flavour in recent weeks.

Meanwhile, customers have been left in shock after B&M launched its new Christmas range.

Good morning and welcome to your Morning Briefing for Wednesday 25 September 2024. To get this in your inbox every morning click here.

Women favour savings

Almost half of women (46%) are deciding to hold their long-term savings in a savings account instead of “more tax-friendly options” such as a pension or Isa.

This is according to research by Scottish Friendly and the Centre for Economics and Business Research (Cebr).

The research also found 33% of men opt to use pensions, compared to 24% of women.

Getting younger people involved

Becoming a financial adviser was not a lifelong career wish for me, says Samuel Allen.

Indeed — unlike those who dreamed of growing up to be a doctor or a sports star — few of us, I expect, aspired to be a financial planner.

Perhaps this is to be expected, given the relative profile of advisers. But this observation got me thinking about the visibility of our profession to young people, from the perspective of both the next generation of recruits as well as prospective clients.

In Conversation With Rory Albon

In this In Conversation With… episode, Kimberley Dondo chats with Rory Albon, founder of Albon Financial Planning.

Rory shares his journey to launch his firm and his approach to investment optimisation, retirement planning, and financial well-being.

He offers insights into balancing saving and investing, managing tax efficiency, and safeguarding assets through tailored insurance solutions.

Tune in now:

Quote Of The Day

It would be highly risky to legislate for particular investment allocations.

– Steven Cameron, pensions director at Aegon, comments on the government’s pension investment review, which closes today (25 September)

In Other News

Benefits Guru has announced its tenth annual Workplace Pensions and Auto Enrolment ratings following Pension Awareness week.

This year’s ratings have a record number of overall gold awards, which demonstrates the industry’s strength within the pensions market.

Benefits Guru’s analysis has over 12,000 data points, and each year it includes ten categories of special interest or relevance.

The annual ratings are designed to assist advisers and employers in their decision-making process and highlight which providers perform strongest in different areas of their pension propositions.

Nine providers have been awarded overall gold awards across 24  product offerings. This includes a new entry for Aegon’s TargetPlan GPP offering.

Standard Life’s Group Flexible Retirement Plan was the only offering  to achieve a clean sweep of overall gold awards, and underlying gold awards in all sub-categories across both the Workplace Pension and Auto-Enrolment Ratings.

In addition to benchmarking against existing criteria, such as member app & portals and auto-enrolment functionality, this year saw the introduction of additional benchmarking criteria.

Cushon, Nest and The People’s Partnership asked to not be included in this year’s rating.

PwC UK partner pay falls to £862,000 as growth slows (Financial Times)

Starmer signals Budget welfare squeeze to tackle ‘worklessness’ (Bloomberg)

US accuses Visa of monopolizing debit card swipes (Reuters)

Did You See?

It may be surprising, but it appears more people have considered becoming a senior paraplanner than a financial adviser, says Amanda Newman Smith.

Research from recruitment platform Indeed, with the St. James’s Place (SJP) Financial Adviser Academy, found just 4% of respondents had considered becoming a financial adviser, while 9% had considered becoming a senior paraplanner.

The research looked at attitudes towards careers among over 4,000 UK workers, highlighting a good salary, work/life balance and the opportunity to work from home as factors that create the ideal role.

This data was combined with job searches to produce a list of 10 of the best careers people have never considered. Senior paraplanner was second on the list, while financial adviser was fourth.

MARTIN Lewis has issued a message to all pensioners over winter fuel payments.

The MoneySavingExpert (MSE) founder is urging households to check if they could be entitled to Pension Credit and unlock the winter fuel payment.

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Pension Credit is a government benefit made up of two parts, with one designed to top up your weekly income to a minimum amount.

Ordinarily, you have to be earning under around £218 a week if you are single or roughly £333 a week if you are a couple to qualify.

However, you can still qualify if you earn over these amounts and meet certain other criteria like being on disability benefits, needing extra money to cover housing costs or having a certain amount of savings stashed away.

In the latest MSE newsletter, Martin is urging pensioners not to assume that they won’t qualify.

He said: “Pension Credit is a critically underclaimed top-up of the state pension for those on lower incomes that I’ve been urging people to check out for over a decade.

“On average it’s worth £3,900 a year. Yet over 800,000 eligible pensioners likely still miss out.”

Martin added that it’s more important than ever check your eligibility for pension credit because it qualifies you for the winter fuel payment.

This is because in July the Government announced that only those who claim Pension Credit will receive the Winter Fuel Allowance, which is worth up to £300 a year.

It comes after one Martin Lewis fan has revealed how a quick check helped her mother realise she was eligible for Pension Credit.

Those who claim are also entitled to a free TV licence, help with NHS dental treatment and glasses.

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 and on a low income.

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 can get if you have some savings or your income is above the basic state pension amount – £169.50.

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.

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 using the Government’s Pension Credit calculator on its website.

Or, you can call the Pension Service helpline on 0800 99 1234 from 8am to 5pm Monday to Friday.

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

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

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.

Plus, you can join our Sun Money Chats and Tips Facebook group to share your tips and stories

There’s no escaping the fact that the last two decades have represented a revolution in the way we manage our money. You don’t have to go back far to see transactions made primarily in cash for example, with bills paid via cheques sent through the post.

Technology has had an impact not just on our day-to-day finances, but on the bigger financial landscapes too, changing the way we save and invest, manage our pensions and buy and sell property. Let’s take a look at how technology can be used to streamline our experience of the housing market.

Budgeting and expense tracking

Before you can even think about buying a new home, you’ll need to get on top of your income and expenditure to see how much you can afford to spend and to prepare for any mortgage application you might need to make.

Gone are the days though when personal finance was managed solely with spreadsheets and notebooks. Digital budgeting and saving apps like WithPlum.com have revolutionised how people manage their day-to-day expenses, meaning you can now automatically categorise spending, set financial goals and manage your bills all from your phone.

Once you know where you stand, you can go online to search and compare mortgage deals and work out how much you’ll be able to borrow and where to get the best deal.

Different ways to buy and sell

Technology has created a whole host of new ways to buy and sell property, from online estate agents to cash home-buying services like Sold.co.uk. This platform offers a streamlined process for selling properties, leveraging technology to connect with sellers, and eliminating many of the traditional hurdles associated with property sales, such as lengthy paperwork and prolonged waiting periods.

Digital property marketplaces

Twenty years ago we’d never have imagined that it would be possible to take a tour of a house without even leaving your sofa, yet now we have access to all kinds of amazing tools plus real-time market data, meaning buyers can make much more informed decisions. Digital property marketplaces have simplified the process of buying and selling homes. With so many competing pressures on our time and money nowadays, being able to browse and shortlist potential new homes online is incredibly valuable.

Automating the homebuying process

Automation in property transactions is another way in which technology is helping to reduce the time and effort required to complete a sale. Features such as automated valuation models (AVMs) and electronic document management systems from ThomsonReuters.co.uk streamline the process, making it more transparent and less prone to errors.

Credit: Unsplash

Future trends

With the use of AI increasing exponentially, and the use of blockchain technology becoming more widely accepted, we’re sure to see all kinds of advances and innovations in the property market over the next few years. For instance, AI could provide even more personalised financial advice, while blockchain technology could enhance the security and transparency of property transactions.

The digital revolution is undeniably reshaping the landscape of personal finance and property transactions and as technology continues to advance, embracing these digital tools will be crucial for anyone looking to manage their finances more effectively and make the most of their assets.

A MUM pulled her son out of school when he was just 14 so he could pursue his business dream – and now the business has made £3.6million.

Noah Carlile-Swift was just a teenager when his mum Tara suggested they start a business together to help build his confidence after his secondary school education left him feeling “stupid”.

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When Noah was just 11, he was diagnosed with dyslexia and dyspraxia, effectively meaning, as Tara, 50, says, he was “bright, at the top end of learning ability, but not in the way that school teaches it. So he struggled with exams and with comprehension, which is mainly what school is about.”

So, with the support of Noah’s school, they started Freckleface, a fragrance company selling wax melts – scented pieces of wax that release an aroma into the room when heated on top of a burner – and soon after Noah left his school in Spalding, Lincolnshire.

Tara told The Times: “They [Noah’s school] agreed that he was doing stuff outside of school with the business – building the website, taking computers apart, designing logos – and was much better using his skills on something he got reward from, rather than feeling stupid every day.”

Starting as a kitchen table business, Freckleface now has its own factory in rural Lincolnshire and operates five shops in York, Cambridge, Lincoln and Stamford – with plans to open more outlets next year.

Last year, the company had sales of £3.6million and a pre-tax profit of £600,000.

Tara is the managing director while Noah runs the retail side of things with the long-term plan being that he takes over her role in 10 years’ time.

For Tara, it was certainly an unconventional route into being an entrepreneur as her “only qualification” is a Btec in sign writing.

When she was just six months old her dad died suddenly of a heart attack aged 46 and her mum went on to remarry when Tara was six.

Due to her stepdad’s job in HM Coastguard it meant the family “moved every few years”, including spells in the Isle of Wight and the Gower Peninsula in Wales.

Almost as soon as Tara gained her Btec, it was made virtually redundant due to the march of technology and “the whole signwriting world went digital”.

After she “bummed around for a couple of years” Tara did a course to become a personal assistant.

She chose a college in Nottingham after she met Simon, her husband, on a night out in the city.

Tara said: “I went for the weekend, met Simon, and we moved in together two weeks later. We’ve been together ever since.”

After her PA course she landed a job at Experian, the credit-checking firm, where she spent three years learning about business “through osmosis” as she sat in on meetings with the top team.

Tara added: “At the time, you don’t realise, but you’re absorbing it all, sitting with finance directors taking minutes of all the meetings.”

She and Simon were also trying for a baby, but after suffering a series of miscarriages, decided to take some time out from the corporate life and head to Australia for a year.

As they landed back in England Tara found out she was pregnant with Noah.

Tara then got a temping job with Boots, the high street chemist, which has its headquarters in Nottingham.

CHANCE CONVERSATION

It was while at Boots a chance conversation lead to a dramatic change in her career.

Tara said: “I was sitting in the canteen eating my sandwich and the people next to me were talking about products they were developing for pregnant people and I chipped in and said, ‘I don’t think you should do it like that, I think you should think about this,’ and they offered me a job in the marketing department.”

After a couple of years at Boots, she left as part of a restructuring and retrained as a project manager, taking the Prince2 (Projects in Controlled Environments) project management qualification, before working as an administrator for Siemens on railway bids.

That job though meant long hours and frequent travel, with Tara often being away three night a week, which she and Simon juggled alongside his shifts as an IT worker.

To help Noah make his transition to secondary school, Tara quit her job as Siemens and needing an extra income, became a foster carer.

The couple fostered 23 children in three and a half years.

She decided to start her own business just as the fostering was coming to an end but describes the first few months as “absolute carnage”.

Tara said: “We had a baby who we had from birth and he had gastric problems so he didn’t sleep and was sick constantly, plus I had a teenager who was neurodiverse, all while I was doing the business.

“We were making the products all week and then I was putting them in the car, driving all over the country, sleeping in the car, doing whatever we needed to get the products out there.”

But while it was exhausting, they knew they were on to something.

‘SOMETHING SPECIAL’

She added: “It became obvious really quickly that we had something special.

“We would go to a fair, sell out, come home, make it all again. Go to another show, and sell out. And so on.”

The baby boy was then adopted permanently by “the most super family in the world” and the Carlile-Swifts still see him every six weeks but Tara said the initial separation was “awful” and she threw herself into the business.

Tara said: “We decided, ‘Let’s take the business really seriously’.

“We came up with a business plan that said we wanted to have stores on every UK high street and for the brand to be global within ten years.”

Freckleface moved into its first industrial unit in 2019, just a few months before Covid hit.

The pandemic could have derailed production but sales were boosted by people working from home and “everybody wanting their houses to smell great”.

FIRST SHOP

The firm was also helped by reduced rents and breaks on business rates during the pandemic which helped them open their first Freckleface store in Stamford, Lincolnshire, in July 2020.

Another shop in Cambridge opened the following year.

In order to save money Tara and Simone built the shop interiors for the first three stores, with Noah taking on the responsibility for the last two.

Along with its stores, Freckleface products are also stocked in more than 800 shops nationwide and the brand has run collaborations with the Royal Horticultural Society and Laura Ashley.

Freckleface now has a workforce of 60, including Tara’s husband, who joined in 2020 to run the manufacturing side.

Tara puts a lot of the company’s more recent success down to the initial slog at trade shows and local fairs.

She said: “The customer you meet at a show is a super-loyal customer. They will shop from you online and will seek out your high street stores.

“And our product is a consumable one, so they tend to come back every month or six weeks to stock up.

“So the hard work of schlepping around the country at shows is why the business built so quickly.”

The family has not raised or borrowed any money to finance the business.

At first, they struggled even to buy a kilo of wax, which would have cost “£10 or so”.

Even though working capital is “still the biggest stresser that keeps us awake at night and stops us from growing quicker”, Tara added she’s “not interested” in raising investment.

She said: “We want to be a heritage brand that’s still going to be on the high street in 50 years and we will hand down the generations of Frecklefaces.

“We’re not in it to make a quick buck.”

The company name is Tara’s nickname for Noah was he was tiny, because she had been taunted by playground bullies for being a “freckleface” and wanted to ensure Noah thought the name was a term of endearment.

She said: “We’re very freckly, we’re plastered. And we would call each other freckleface.

“So it was a natural decision when we were naming the business, but we never thought back then we were going to have all these shops.

“And now people shout Freckleface at us across the street, but in a nice way.”

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Becoming a financial adviser was not a lifelong career wish for me.

Indeed — unlike those who dreamed of growing up to be a doctor or a sports star — few of us, I expect, aspired to be a financial planner!

Perhaps this is to be expected, given the relative profile of advisers. But this observation got me thinking about the visibility of our profession to young people, from the perspective of both the next generation of recruits as well as prospective clients.

On the recruitment side, we could do more to raise our profile within the wider sector. My first exposure to financial advice was through making some adviser contacts while on a ski season, which led me to pursue a career via some work experience. However, I get the sense there is a lack of visibility of what our industry is and does among people of my generation.

Younger clients respond well to having a peer at a similar life stage involved in their advice. We will need a new generation of young advisers to serve them

Maybe this low profile among younger adults is not surprising, given the lack of routes into wealth management. But, with the average adviser age pushing close to 60, it poses an existential challenge for our profession.

The requirement of further professional qualifications may be one deterrent, but the lack of opportunities for entry, via mentorship or training programmes, is significant. Here at Finura we are fortunate to offer apprentice and non-graduate roles, which are proving successful.

The traditional pathway can be overly complex and may limit opportunities for keen graduates to gain early client-facing experience. When I was seeking a graduate role, most recruiters advised that prior industry experience was required; the age-old conundrum.

To attract and retain top talent, we must create more effective avenues for early client exposure and career progression. Otherwise we risk losing talent to more visible industries, compounding the problems of an ageing cohort.

I get the sense there is a lack of visibility of what our industry is and does among people of my generation

Employers may fear that young advisers may not be taken seriously by clients, but this has not been my experience. Instead, firms should look at the future of financial advice and the types of client we are likely to serve. With the largest ever intergenerational wealth transfer on the horizon, and the alarming statistic that 92% of heirs change adviser once they receive an inheritance, advice firms should look to youth recruitment to capitalise on an advice proposition for the Millennial generation.

Younger clients tend to be more tech savvy and have often had exposure to DIY investing; they may feel they don’t need financial advice. But they respond well to having a peer at a similar life stage involved in their advice.

We will need a new generation of young advisers to serve them.

Samuel Allen is a chartered paraplanner at Finura

This article featured in the September 2024 edition of Money Marketing. 

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