Money
B&M shoppers clear shelves of huge 1kg Haribo tubs scanning for just £1 ideal for Halloween
DISCOUNT retailer B&M has slashed the price on tubs of sweets that are perfect for Halloween.
The popular confectionery is flying off the shelves as shoppers get wind of the amazing offer.
Just £1 buys a 1kg drum of Haribo Supermix when you shop in store.
Usually you would pay a lot more for the sweet treats, for example, Iceland is currently selling 1kg tubs for £6m while Sainsbury’s has the 400g size on sale at £3.
Details of the fiendishly fab offer were posted on the Latest Deals website and quickly attracted lots of comments.
“Well this is Halloween sorted. A great offer! Thanks for sharing,” said one shopper.
Another posted: “Wow!!, fantastic price perfect for Halloween for when the little ones come knocking in their great costumes.”
And another commented: “Amazing price. What can you get for £1 nowadays. Will keep my eyes peeled.”
The offer is available in store on Haribo Supermix – the one with the milk bottles and tangy mini figures.
We have also found the same offer at B&M on 1kg tubs of Haribo Giant Strawbs, though sadly not on Starmix or Tangfastics.
As well as Halloween the tubs should come in handy for the festive season.
“I love Haribo and at this price may have to treat the family. Perfect for keeping for Christmas as well,” said one happy commenter.
“Now that’s a price for everyone, even if you don’t like sweets. Great for Christmas as well as Halloween,” posted another.
It’s always worth shopping around to find the best deals before buying.
Using websites like Latest Deals, or price comparison websites such as Trolley or PriceSpy can help you check prices and find special offers from hundreds of retailers.
Typing what you’re after into Google Shopping will also bring up a raft of prices and retailers, while joining Facebook groups such as Bargains UK and Extreme Couponing will alert you to discounts as soon as they’re spotted by members.
As 31 October approaches you may well find other great price cuts on confectionery, especially Halloween-theme sweets and chocolates because retailers won’t want to be left with stock after the event.
How to bag a bargain
SUN Savers Editor Lana Clements explains how to find a cut-price item and bag a bargain…
Sign up to loyalty schemes of the brands that you regularly shop with.
Big names regularly offer discounts or special lower prices for members, among other perks.
Sales are when you can pick up a real steal.
Retailers usually have periodic promotions that tie into payday at the end of the month or Bank Holiday weekends, so keep a lookout and shop when these deals are on.
Sign up to mailing lists and you’ll also be first to know of special offers. It can be worth following retailers on social media too.
When buying online, always do a search for money off codes or vouchers that you can use vouchercodes.co.uk and myvouchercodes.co.uk are just two sites that round up promotions by retailer.
Scanner apps are useful to have on your phone. Trolley.co.uk app has a scanner that you can use to compare prices on branded items when out shopping.
Bargain hunters can also use B&M’s scanner in the app to find discounts in-store before staff have marked them out.
And always check if you can get cashback before paying which in effect means you’ll get some of your money back or a discount on the item.
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
Major cinema chain to shut 3 sites for good IN DAYS leaving film buffs bemoaning ‘major loss’ – and more will follow
A POPULAR cinema chain is set to shutter three sites for good in just days – and more will follow.
Film fans were devastated to hear their local movie theatres were waving goodbye permanently on October 6.
It comes as Cineworld made the tough decision to axe their branches in Glasgow, Bedford, and Swindon.
Meanwhile, other locations in Bedford, Loughborough, and Yate are also set to close in a matter of weeks.
The sites will shut for good on these exact dates:
- Glasgow Parkhead (closing October 6)
- Bedford (closing October 6)
- Swindon Regent Circus (closing October 6)
- Loughborough (closing October 13)
- Yate (closing October 13)
It forms part of a major restructuring plan to help the company survive mid troubling times.
A judge recently gave the green light for £16million to be pumped into Cineworld’s four companies which form the business.
The cash came from the business’s parent company, with an extra £35million to also be made available.
Its four companies. Cine-UK Ltd, Cineworld Cinemas Ltd, Cineworld Cinema Properties Ltd and Cineworld Estates Ltd, will also negotiate leases for each of their 101 sites across the UK.
It comes as the chain is also said to be renegotiating rent agreements for around 50 of its sites.
But, 25 cinemas are set to be unscathed by the restructuring plans and will remain open for the foreseeable future.
A spokesperson for the chain said the plan would enable the business for “the long-term and ensure a sustainable future for Cineworld in the UK.”
However, news of the five closures has devasted locals in the affected areas.
One cinema-goer in Glasgow Parkhead, where Cineworld is set to close on October 6, described the move as “brutal”.
While another said: “I’ve got so many childhood memories of Parkhead Cineworld! Such a major loss.”
It comes after the huge cinema chain revealed it expects to come out of bankruptcy protection in July, after receiving backing from lenders.
The chain filed for Chapter 11 bankruptcy in the US last year due to giant debts and loss of revenue.
Meanwhile, another UK cinema chain has fallen into administration and will close multiple sites immediately.
Empire Cinemas operates 14 locations across the country with 129 screens.
A total of six sites will close with immediate effect, including two under the Tivoli brand.
Plus, major cinema chain Odeon has also been forced to shut down several branches.
The movie giant is bringing the curtain down on five of its cinemas forever.
What is happening across hospitality and the cinema sector?
CINEWORLD isn’t the only chain that’s struggling.
Money
British Gas to slash energy prices for thousands of customers this weekend – see if you can save
THOUSANDS of lucky customers will have their electricity slashed by 50 per cent this weekend.
British Gas will be be offering customers half price electricity at 11:30 and 1:30 on Saturday and Sunday with its Green Flex event.
With Green Flex events, customers get half-price electricity when it is very sunny or windy and there is lots of renewable energy available.
This is in addition to its usual half price electricity on Sunday between 11am and 4pm for qualifying customers.
The scheme first launched in December 2022 but has been extended multiple times since.
British Gas uses its own forecasting to set the events to test the potential savings and impact on the grid with this scheme.
The discount is available to new and existing PeakSave customers, and all savings will appear as a credit on customers’ energy bills.
So far, British Gas has paid over £13 million to more than 650,000 customers taking part in the scheme.
Crucially, you can only sign up to the scheme if you have a smart meter that can send half-hourly meter readings.
Smart meters come with a display that shows your gas and electricity use in pounds and pence in real-time.
Their major advantage is that they let you more accurately track how your household habits affect your energy usage.
British Gas says if you don’t have a smart meter, it will install one for free in your home.
Other help to pay for energy bills
If you’re not with British Gas, Ovo Energy has a similar scheme which rewards customers for reducing their energy consumption during peak times.
Power Move offers customers up to £10 a month if they cut their usage between 6-9pm, Monday to Friday.
For example, by using the dishwasher in the morning or waiting until after 9pm in the evening to catch up on TV.
You might be able to get free home insulation or have other energy-saving measures installed in your property through the Energy Company Obligation.
The scheme is designed to help low-income households on certain benefits such as Universal Credit, Child Benefit and Housing Benefit.
The Government previously told The Sun households eligible for the scheme save around £600 to £700 on their bills each year after having energy-saving measures put in place.
You can find out more on the scheme via the Government’s website.
You might also be able to get help via the Household Support Fund which has been extended by six months until the end of September.
The fund has been shared between councils in England who then allocate their portion to those in need.
That means what you can get depends on where you live and can be a bit of a postcode lottery.
However, the help is usually dished out to those on a low income or benefits.
You should contact your local council to see what help is available.
You can find your nearest council by using the Government’s council locator tool.
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.
Money
‘Another bites the dust’, iconic high street chain with 1,400 UK stores to close seaside town centre shop
AN iconic high street retailer with 1,400 UK stores is set to close its shop in a seaside town centre.
WHSmith is preparing to shut its Bournemouth town centre location early next year as shoppers cried “another bites the dust”.
Sources close to the business have revealed that WHSmith is set to close its Old Christchurch Road branch, possibly as soon as January.
While the company has not officially confirmed the closure, a spokesperson hinted at the possibility, The Bournemouth Echo reports.
They said: “We keep our store lease agreements under regular review, including at our Old Christchurch Road store in Bournemouth and will share updates on any changes to the store in future.”
In another setback for Bournemouth’s town centre, the soon-to-be-vacant unit is already being advertised by estate agents Goadsby.
The shop is available for rent at £150,000 per annum, with terms open to negotiation.
The Post Office inside the store, however, will remain operational for now, though its future is uncertain.
A Post Office spokesperson confirmed they have not yet received any closure notice from WH Smith.
Bournemouth residents have reacted to the closure on Facebook, with one user commenting: “Another shop of Bournemouth bites the dust!! Shame.”
Another added: “Honestly not surprised, know one really shops in Bournemouth, there’s more shops in Poole, Bournemouth is mainly coffee shops and restaurants then places to actually do any shopping.
“I’d rather go to Poole or Southampton if I need anything.”
A third replied: “Omg soon [there will] be nothing left. Dead town.”
While another person wrote: “WHSmiths has failed to update with the times, it will only get worse.”
WHSmith is closing a number of branches across the UK as it looks to extend its arm into the travel sector.
The retail giant, which runs over 1,100 stores, has shuttered eight stores since March 2023, including in Manchester and Bicester, England.
Meanwhile, the stationer has waved goodbye to branches in Oban, Scotland, and Ramsgate, Kent.
But it also comes amid a time of expansion for the chain, which is opening 15 branches at airports and train stations in 2024 in a boost for shoppers.
Money
Drinks brand once stocked in Sainsbury’s supermarkets plunges into administration
A POPULAR drinks brand once stocked in Sainsbury’s and Amazon has been plunged administration.
Natural soft drink company Square Root Drinks appointed and administrator on October 3.
It comes as the website link has been taken down, while stock is unavailable on Amazon.
The announcement was made on X (formally Twitter) by James Beeson, drinks editor at The Grocer.
He said: “Deeply saddened to hear Square Root London has gone into administration.
“I enjoyed my time working for Ed and Robyn – two people who put everything into the brand – tremendously, and owe them a great deal professionally and personally.
“My heart goes out to them both today.”
Square Root made its retail debut in February 2021, launching into Sainsbury’s through the retailer’s Future Brands initiative.
At the time, the company said it was “exciting to be recognised” by the supermarket as a “bold and authentic brand”.
The brand smashed a £250k crowdfunding drive, overfunding by 230 per cent to hit £577,444 from 570 investors in 2021.
Square Root offered a selection of alcohol-free mocktails and natural soft drink flavours, including Ginger Beer, Cola, non-alcoholic gin and tonic, lemonade, and more.
The company was founded in 2012 by Ed Taylor and Robyn Simms in East London.
Administration is when all control of a company is passed to an appointed licensed insolvency practitioner.
It doesn’t necessarily mean the end of the business.
Administration is when all control of a company is passed to an appointed licensed insolvency practitioner.
It doesn’t necessarily mean the end of the business.
But if the administration process can’t rescue the company or find a new owner, this can lead to liquidation.
Liquidation is the process of selling all assets and then dissolving the company completely.
COST OF LIVING PRESSURES
The number of craft breweries in the UK fell from 1,828 at the start of 2023 to 1,815 at the start of the year.
That now stands at 1,748 according to the latest figures up to June from the Society of Independent Brewers and Associates (SIBA).
The SIBA UK Brewery Tracker takes into account all brewery openings and closures to give an accurate picture of the number of active brewing businesses.
Craft breweries have been hit hard by the cost of living crisis and the pandemic.
While many producers pivoted to home deliveries during covid lockdowns, they were then hit by rising costs combined with people reigning ion their spending.
The prices of energy, rents and ingredients have all shot up. They have also faced higher interest rates when borrowing money to grow the business.
SIBA chief executive Andy Slee said when the latest figures on closures were published in July: “Independent brewers are reporting good sales growth and strong consumer demand, yet breweries continue to close.
“For most breweries the challenge is financial pressures from rising costs and market access, as well as lingering Covid debt – something SIBA has strongly lobbied Government for help on.”
UK BREWERY NUMBERS
The SIBA UK Brewery Tracker shows there are 1,748 breweries across the country
It covers the period from April 1 to June 30 this year and the net change compared to March 31, 2023.
- Scotland 133 (-3)
- Northern Ireland 29 (-)
- East 187 (-4)
- North East 248 (-3)
- North West 189 (-1)
- Wales 96 (-)
- South West 203 (-4)
- South East 331 (-3)
- Midlands 334 (-11)
- UK: 1,748 (-29)
Money
McDonald’s customers hail return of ‘greatest burger of all time’ and beg for it to be made permanent
THE RETURN of a McDonald’s burger has caused a wild frenzy among its loyal fans, with many calling for its permanent addition to the menu.
The McRib burger will be back on the Golden Arches menu from October 16 to the joy of many hungry diners who are begging for it to stay.
Taking to social media, many expressed their enthusiasm for the burger’s return with one user calling it “the Greatest McDonalds burger of all time” .
Another commenter said: “My absolute favourite, welcome back Ribby. Please don’t leave us again”.
Whilst others wrote: “It’s what dreams are made of” and “cannot wait, it’s been way too long”.
Another user added: “I’m so getting one I loved them back in the day”
The pork-based patty, which is lathered in smoky BBQ sauce, pickles and onions and encased in a homestyle bun, is back on menus for a limited time from mid October.
The burger first launched in the UK in 1981 and has been hailed as one of the best Mcdonald’s burgers of all time by some fans.
Thomas O’Neill, head of menu at McDonald’s UK, said: “We have heard our fans loud and clear – the fan petitions and pleas on social – and after almost a decade of anticipation, we are thrilled to bring back this iconic menu item.
“Knowing how well-loved the McRib is, we had very little choice – we had to make it happen.”
Though the fast-food chain’s owners have not revealed how long the popular burger will be on the menu for, limited edition foods are usually around for about six weeks.
It will be on sale for £4.49 as an individual item or £6.19 as part of a medium extra-value meal deal, which means it comes with fries and a medium drink.
At 509 calories, the burger is more calorific than a Double Cheeseburger, McChicken and Bacon Double Cheeseburger as well.
Despite most diners excitement some have not been so keen, with one social media user likening the product to “gas station food”.
“I must be the only one that thinks it’s horrible,” said another.
Whilst another commenter wrote: “Yay, another reason for me to stay away from McDonald’s” .
One user even joked: “How about the McHeartAttack or the McBigBelly?”
According to one of our Sun reporters who tried it ahead of its launch, despite the burger looking visually unimpressive, the pork patty is super tender and “better than other burgers” .
But, he added, the burger felt quite sickly because of the abundance of BBQ sauce, which he felt was too sweet.
McRib’s addition comes after McDonald’s confirmed the arrival of a pack of mini hash browns, which will come in a portion of five or 15, with prices starting from £1.49.
These will roll out from October 16 but it is unclear whether or not the snack will become a permanent feature on the menu.
Money
Sub 3% mortgages ‘possible’ as Bank of England hints at more ‘aggressive’ interest rate cuts and lenders make reductions
SUB 3% mortgages could be on the cards as the Bank of England hints at more “aggressive” rate cuts.
It comes after a host of major lenders have made reductions to rates.
The news follows Governor Andrew Bailey stating the Bank of England could be “more aggressive” in cutting interest rates.
Mr Bailey said that if inflation remains in check the Bank might be able to be “more activist” over reducing borrowing costs.
The comments have led several experts to bring forward predictions for interest rate cuts.
British interest rates currently sit at 5%. The rate – which is used by banks to determine the interest on mortgages and loans – was reduced from 5.25% in August.
READ MORE ON BANK OF ENGLAND
Members of the Bank’s Monetary Policy Committee (MPC) voted to keep rates at 5% at the latest vote in September, but economists are currently pricing in another reduction at next month’s meeting.
Gabriel McKeown, head of macroeconomics at Sad Rabbit Investments said: “Governor Bailey’s bombshell comments have opened the floodgates to more aggressive rate cuts, with the prospect of sub-3% mortgages, once dismissed as a pipe dream, now emerging as a tantalising possibility for homeowners.
“These views significantly depart from earlier comments advocating for gradual rate reductions, leading swap rates to fall sharply.
“Markets are now pricing in an all but certain chance of a rate cut at the Bank’s next meeting in November.”
He added that the prospect of reduced borrowing costs and increased competition in the mortgage market should help drive the rate-slashing momentum towards the end of 2024.
Elsewhere, Adam Stiles managing director at Helix Financial Partners pointed out that Skipton Building Society is already offering a sub-3% product transfer mortgage at 2.89% – although it comes with a hefty 3% fee and is up to 60% loan-to-value.
Mr Stiles told The Sun: “If the Bank of England delivers one more rate cut, which seems likely after Andrew Bailey’s hints this week, that could quickly feed through into swap rates, which determine lenders’ fixed rates.
“However, we are only likely to see sub-3% rates at lower loan-to-values. We don’t expect to see them widespread at higher loan-to-values until we have a few more rate cuts, which is possible by mid-2025.”
Dariusz Karpowicz, who is director at Albion Financial Advice, said that it’s not “unrealistic” that we’ll see rates drop below 3%.
He said: “All the signs point to it – some rates below 3%! Swap rates are falling, and Andrew Bailey is hinting at a potential decrease. The economic outlook is improving, and lenders are already trimming rates almost every week.
“It’s not unrealistic to see rates dipping below 3% for lower LTVs before year’s end. Of course, only an unexpected ‘black swan’ event could derail this positive momentum.”
What is happening to swap rates?
A swap rate is a rate based on what the markets think interest rates will be in the future.
If the rates rise, then mortgage lenders will look to increase their rates so that they don’t lose out.
The BoE comments have had a “positive” impact on swap rates.
A number of lenders have already announced repricing and more are expected to follow suit, according to mortgage broker SPF Private Clients.
Mark Harris, chief executive of mortgage broker SPF Private Clients, says: “A more aggressive approach to rate reductions has been welcomed by the markets, with swaps falling on the back of the Governor’s comments, which should feed through to even lower mortgage pricing.
“A number of lenders are already in the process of repricing – Coventry [building society]’s two and five-year fixes which top the best buy tables at 3.89 and 3.69% respectively are being pulled tonight, while HSBC is repricing downwards today and NatWest and Barclays are repricing tomorrow.
“Santander is also repricing tomorrow and is likely to top the ‘best buys’ with its new deals – a two-year purchase option at 3.84% for those borrowing 60% loan-to-value and a five-year fix at 3.68%, also at 60% LTV.”
He said the ongoing rate war among lenders is “great news” for borrowers as there are some “really compelling” deals being launched, which will go some way to helping affordability.
Different types of mortgages
We break down all you need to know about mortgages and what categories they fall into.
A fixed rate mortgage provides an interest rate that remains the same for an agreed period such as two, five or even 10 years.
Your monthly repayments would remain the same for the whole deal period.
There are a few different types of variable mortgages and, as the name suggests, the rates can change.
A tracker mortgage sets your rate a certain percentage above or below an external benchmark.
This is usually the Bank of England base rate or a bank may have its figure.
If the base rate rises, so will your mortgage but if it drops then your monthly repayments will be reduced.
A standard variable rate (SVR) is a default rate offered by banks. You usually revert to this at the end of a fixed deal term, unless you get a new one.
SVRs are generally higher than other types of mortgage, so if you’re on one then you’re likely to be paying more than you need to.
Variable rate mortgages often don’t have exit fees while a fixed rate could do.
What are lenders doing?
This week five more mortgage lenders have announced cuts to mortgage rates.
Barclays, HSBC, Halifax, Santander and NatWest are all making several rate reductions across a range of mortgage deals.
It follows a recurring theme of cuts over the past few months.
Since the beginning of July, the lowest five-year fixed rate mortgage has fallen from 4.28% to 3.69%.
Elsewhere, the lowest two-year fix has fallen from 4.68% to 3.89%.
Barclays was first off the bat, announcing cuts that mainly affect first-time buyers and home movers, including some sub-4% deals for borrowers with the biggest deposits.
Its lowest two-year fix for buyers with a 40% deposit or more fell to 3.99% from today.
HSBC has implemented another wave of mortgage rate cuts.
It says all its residential and buy-to-let deals have now been reduced by up to 0.16 percentage points.
HSBC confirmed its two-year and five-year fixed mortgages for both home movers and first-time-buyers have been cut by up to 0.25 percentage points.
Its lowest five-year fix for those remortgaging with at least a 40% equity is now priced at 3.83%.
Halifax was next up to announce a cut taking place from today.
The UK’s biggest lender cut mortgage rates on selected products by up to 0.11 percentage points for home movers and first-time buyers.
Halifax also confirmed reductions of up to 0.24 percentage points for homeowners due to remortgage.
Santander and NatWest also announced a wide range of range cuts for today.
Santander’s fixed-rate deals dropped by 0.29 percentage points for home buyers and those remortgaging.
It means Santander now offers the lowest five-year fix on the market for home buyers purchasing with the biggest deposits.
All its mortgage rates for new build purchases are also reducing by up to 0.19% alongside all its buy-to-let fixed rates, which are dropping by up to 0.17%
Meanwhile, NatWest is also executing some healthy cuts across fixed-rate deals aimed at home buyers and remortgagers.
How to get the best deal on your mortgage
IF you’re looking for a traditional type of mortgage, getting the best rates depends entirely on what’s available at any given time.
There are several ways to land the best deal.
Usually the larger the deposit you have the lower the rate you can get.
If you’re remortgaging and your loan-to-value ratio (LTV) has changed, you’ll get access to better rates than before.
Your LTV will go down if your outstanding mortgage is lower and/or your home’s value is higher.
A change to your credit score or a better salary could also help you access better rates.
And if you’re nearing the end of a fixed deal soon it’s worth looking for new deals now.
You can lock in current deals sometimes up to six months before your current deal ends.
Leaving a fixed deal early will usually come with an early exit fee, so you want to avoid this extra cost.
But depending on the cost and how much you could save by switching versus sticking, it could be worth paying to leave the deal – but compare the costs first.
To find the best deal use a mortgage comparison tool to see what’s available.
You can also go to a mortgage broker who can compare a much larger range of deals for you.
Some will charge an extra fee but there are plenty who give advice for free and get paid only on commission from the lender.
You’ll also need to factor in fees for the mortgage, though some have no fees at all.
You can add the fee – sometimes more than £1,000 – to the cost of the mortgage, but be aware that means you’ll pay interest on it and so will cost more in the long term.
You can use a mortgage calculator to see how much you could borrow.
Remember you’ll have to pass the lender’s strict eligibility criteria too, which will include affordability checks and looking at your credit file.
You may also need to provide documents such as utility bills, proof of benefits, your last three month’s payslips, passports and bank statements.
Does everyone agree sub-3% deals are looming?
In short, no. Not everyone agrees that these -3% deals are on the way.
This is largely due to positive moves being scuppered by global events and the fact that interest rates are notoriously hard to predict.
Not to mention that Labour’s first Budget is just a few weeks away.
Jack Tutton, director at SJ Mortgages told us: “If the pace of rate reductions that we are currently enjoying continues until the end of the year, sub-3% rates would be a real possibility.
“However, there are many things that could derail this optimism. The Autumn Budget will be the biggest hurdle. The decisions that the Chancellor takes will be a make-or-break moment for interest rates.”
Meanwhile, Elliott Culley, who is the director at Switch Mortgage Finance, says he believes there is a “slim” chance of rates hitting below 3%.
He said: “It would be a huge turnaround if mortgage rates were to fall below 3% by the end of the year.
“However, I would expect the chances of this happening being slim based on current domestic and world events.”
Others are pretty certain this will not be the case.
“With all the uncertainty ahead of the upcoming Budget, there is more chance of Bruno Fernandes getting Player of the Month than rates returning to sub-3%,” David Stirling Independent Financial Advisor at Mint Mortgages & Protection said.
“With Middle East issues escalating and causing volatility in oil prices as we enter winter, added to the potential tax hardships to come, it’s hard to see rates normalising below 3% this 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
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