Money
Exact date Aldi Halloween sweets land in stores including Haribo, Maoam and Reese’s – prices start from 49p
THIS is the exact date Aldi Halloween sweets will be stocked on the shelves – with prices starting at just 49p.
Haribo, Maoam and Reese’s will be in the mix in a treat for shoppers ahead of scary season.
The so-called “spooktacular” range is landing in stores on September 29.
Among the 49p deals, shoppers can snare Aldi’s new milk chocolate mouse.
Meanwhile, Aldi witches wands will set you back just 59p, while Scary Sweets (99p) and Flying Saucers (99p) are others under a pound.
Maoams will be available in three different variants – Stripes, Pin Balls and Joy Stixx, all £1.09 for a 140g packet.
A 140g packet of Stripes at Waitrose currently costs effectively the same price at £1.10, so it is still worth shopping around, particularly if you don’t have an Aldi nearby.
Haribo’s super mini mix – a 336g bag – will cost £2.39.
An Aldi statement said: “Shoppers are in for a treat this scary season as supermarket Aldi is launching a line-up of creepy candies with prices starting from 49p.
“Aldi’s range of spook-tacular Halloween sweets are available in stores from 29th September.
“Shoppers had better be quick to get their hands on the treats, as with all Aldi Specialbuys, once they’re gone, they’re gone!”
It comes after Aldi shoppers were rushing to buy a dupe for a popular Cadbury’s dessert.
Dairyfine Pots of Choc, Aldi’s version of Cadbury’s Dairy Milk Pots of Joy are described as a “smooth and creamy dessert”.
One Aldi shopper posted a picture of the dessert on Facebook, which she said cost around £1.09-£1.19.
Speaking of Aldi sweets, shoppers have been left overjoyed after the supermarket’s iconic Toblerone dupe returned to shelves.
Fans of the bargain retailer have been pleading for the Specially Selected Swiss chocolate bar to make a comeback and it appears the supermarket has given in.
The blonde bar is seen as a family favourite with happy customers describing it as “lush” as they race into stores to grab one.
Each 100g pack cost is now priced at £1.69.
Each bar is packed with delicious ingredients from white chocolate, honey, almond, nougat and salted caramel pieces.
An actual bar of normal Toblerone will set you back a hefty amount with the smallest offering being a 200g bar for £4 at Tesco.
How to save money on your supermarket shop
THERE are plenty of ways to save on your grocery shop.
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
UK energy firm with 5.22million customers is giving thousands a £150 discount – when you’ll be paid
A MAJOR energy firm with more than five million customers is set to pay thousands of customers a £150 discount on their bills.
EDF Energy is giving eligible customers extra cash through the Warm Home Discount to help lower bills this winter.
The eligibility requirements for the Warm Home Discount are the same as last year.
Between now and December, the government will issue letters to households that are eligible for the scheme.
EDF Energy has now said that it will aim to pay the discount by the end of February 28, 2025.
However, payments could begin being issued as early as next month.
To qualify for the Warm Home Discount, you need to claim either the guaranteed credit element of pension credit or a different qualifying benefit form the list below:
If you weren’t claiming any of the above benefits on August 11, 2024, you won’t be eligible for the payment.
Where someone claims a qualifying benefit, the government will assess their energy costs based on the type, age and size of property.
This means that you may not be considered eligible for the Warm Home Discount if you live in a more energy-efficient property for instance, even if you receive a qualifying benefit.
However, this rule doesn’t apply to recipients of the guarantee credit portion of pension credit.
Around 800,000 pensioners are eligible for pension credit but not claiming it.
As well as missing out on a £300 winter fuel payments, they won’t get the £150 Warm Home Discount payment.
Even if you weren’t getting pension credit on August 11, thousands of pensioners who apply for the benefit now can still qualify for the £150 payment.
This is because pension credit rules allow first-time claimants to backdate their benefit entitlement by three months.
So you’ll need to launch your claim by Friday, October 11 and then successfully get it backdated to cover the August 11 Warm Home Discount qualifying date.
But if you fail to apply before this date you’ll miss out.
What is pension credit and how do I apply?
PENSION credit tops up your weekly income to £218.15 if you are single or to £332.95 if you have a partner.
This is known as “guarantee credit”.
If your income is lower than this, you’re very likely to be eligible for the benefit.
However, if your income is slightly higher, you might still be eligible for pension credit if you have a disability, you care for someone, you have savings or you have housing costs.
You could get an extra £81.50 a week if you have a disability or claim any of the following:
- Attendance allowance
- The middle or highest rate from the care component of disability living allowance (DLA)
- The daily living component of personal independence payment (PIP)
- Armed forces independence payment
- The daily living component of adult disability payment (ADP) at the standard or enhanced rate.
ou could get the “savings credit” part of pension credit if both of the following apply:
- You reached State Pension age before April 6, 2016
- You saved some money for retirement, for example, a personal or workplace pension
This part of pension credit is worth £17.01 for single people or £19.04 for couples.
Pension credit opens the door to other support, including housing benefits, cost of living payments, council tax reductions, the winter fuel payment and the Warm Home Discount.
You can start your application up to four months before you reach state pension age.
We’ve explained everything you need to know about EDF Energy‘s scheme below.
Do I need to apply for the discount?
Households in England and Wales don’t have to apply to get the cash and receive it automatically.
You should look out for a letter between October 2024 and early January 2025 telling you:
- You’re eligible and you’ll get the discount automatically; or
- You might be eligible, and you need to give more information.
- The letter will tell you to call the helpline by 29 February 2024 to confirm your details.
If you don’t get the letter by early January 2024 and you think you’re eligible, you need to call the helpline on 0800 030 9322.
If you’re eligible, your electricity supplier will apply the discount to your bill by 31 March 2025.
Some Scottish households do have to apply for the discount.
In Scotland there’s a “core group” that’ll receive an automatic payment and a “broader group” which has to apply for the scheme with their energy provider.
You’ll need to check with your energy supplier directly to see the eligibility requirements and details on how to apply.
The scheme will have more applicants than places, so make sure you apply as soon as possible.
EDF Energy customers can apply by visiting edfenergy.com/help-support/whd-application-form.
How will I receive the discount from EDF Energy?
If you pay by direct debit or on receipt of your bill the £150 Warm Home Discount will be added to your electricity account as a credit.
Once it has been applied, it will show on your next bill.
If you have a traditional prepayment meter, EDF Energy will send you a letter explaining how you’ll get your discount.
You’ll receive a Post Office voucher in the post and instructions on redeeming it.
If you have a smart prepayment meter, EDF Energy will automatically credit your meter with the discount.
What energy bill help is available?
THERE’S a number of different ways to get help paying your energy bills if you’re struggling to get by.
If you fall into debt, you can always approach your supplier to see if they can put you on a repayment plan before putting you on a prepayment meter.
This involves paying off what you owe in instalments over a set period.
If your supplier offers you a repayment plan you don’t think you can afford, speak to them again to see if you can negotiate a better deal.
Several energy firms have grant schemes available to customers struggling to cover their bills.
But eligibility criteria varies depending on the supplier and the amount you can get depends on your financial circumstances.
For example, British Gas or Scottish Gas customers struggling to pay their energy bills can get grants worth up to £2,000.
British Gas also offers help via its British Gas Energy Trust and Individuals Family Fund.
You don’t need to be a British Gas customer to apply for the second fund.
EDF, E.ON, Octopus Energy and Scottish Power all offer grants to struggling customers too.
Thousands of vulnerable households are missing out on extra help and protections by not signing up to the Priority Services Register (PSR).
The service helps support vulnerable households, such as those who are elderly or ill, and some of the perks include being given advance warning of blackouts, free gas safety checks and extra support if you’re struggling.
Get in touch with your energy firm to see if you can apply.
Money
Exact amount of time homeowners have to to lock in mortgage rates early as another major lender shortens window
BARCLAYS has become the latest major lender to make significant changes to its mortgages.
The high-street bank has shortened the amount of time customers have to lock in a new interest rate ahead of their current deal ending.
So, if you are a mortgage holder nearing the end of your fixed term, the clock is ticking to negotiate a new offer.
The length of time a borrower with Barclays has to secure a new fixed term deal has dropped from six months to three.
This is in line with similar moves by Halifax, Lloyds, Nationwide, and Santander in recent months.
The changes at Barclays will come in from September 25, and apply to customers who already hold a mortgage product with the bank and are looking to switch to another deal.
Choosing a new deal before your current ones ends means you can secure a good deal now in case interest rates rise later on.
If at the end of your current deal you find a better rate, you can choose that instead as there’s no penalty for ditching the one you chose before the end of the term.
Barclays said the move was down to greater stability in the mortgage market, and that over 70% of Barclays customers applying for product transfers did so within the last three months of mortgage terms meaning the extended window was no longer necessary.
A Barclays spokesperson, says: “In a more stable mortgage market and with rates coming down, the majority of our customers are choosing to apply for transfers within 90 days before their mortgage matures.
“In response, we will be moving back to a product transfer window of 90 days, as we continue to deliver the best value and product range to our customers.”
At the start of the month, Halifax and Lloyds reduced the time frame for those remortgaging from six to four months.
Nationwide and Santander made the same move in June.
Other lenders, such as HSBC, NatWest and Virgin Money still offer customers six months to lock in their new deal.
An estimated 700,000 loans are up for renewal in the second half of 2024, says industry body UK Finance.
A real concern for borrowers needing to remortgage is how much fixed rates have risen in the last few years.
The average two-year fixed rate deal has increased from 2.34% in December 2021, to 5.56% as of September 2024.
Meanwhile, the average five-year deal has risen from 2.64% to 5.20%, according to the latest data from Moneyfacts.
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.
The second half of the year has also been marked with repossessions, highlighting the financial struggles many are under right now.
UK Finance says that 980 homeowner mortgaged properties were repossessed in the second quarter of 2024.
This is an 8% increase compared to the previous quarter, and a 31% uplift on the same quarter in 2023.
But it’s not all doom and gloom. There is in fact a positive outlook on the housing market.
The Bank of England reduced the base rate for the first time since March 2020 in August, dropping the rate from 5.25% to 5%.
As a result, lenders have already started to follow suit and drop their fixed rates.
In fact, Nationwide is leading the way, currently offering a 3.74% home purchase plan deal.
Rachel Springall, finance expert at Moneyfacts Compare, said: “Each lender will have their own processes and timescales for getting applications through, so they can change the window of opportunity from time to time to cope with demand, but also as a reflection on changing interest rates.
“Interest rates have been falling, so condensing the window can help lenders avoid re-applications. The same window can extend, depending on the situation of the market.
“Borrowers would be wise to seek out independent advice from a broker to navigate the deals available, but ensure they allow a couple of months to refinance before their current deal ends.”
The move also comes as Barclays announced a reduction in rates by as much as 0.34% for new buyers and those remortgaging.
Meanwhile a major building society is now lending first-time buyers up to six times their income for a mortgage.
HOW FAR AHEAD CAN I LOCK IN A NEW FIX?
- Barclays – three months
- Halifax – four months
- Lloyds – four months
- Santander – four months
- Nationwide – four months
- HSBC – six months
- NatWest – six months
- Virgin Money – six months
How to get the best mortgage deal
If your mortgage deal is nearing the end of its term, you should start to compare rates now and speak to a mortgage broker to assess your options.
It is then worth speaking with your current lender to see what deal they might be able to offer you.
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.
Expert’s view on reducing time to lock in new rates
By David Hollingworth, associate director of communications at L&C Mortgages.
Many lenders extended the timeframe when existing customers could lock in a new rate because interest rates were climbing so quickly and market conditions were so volatile.
The market is now much more stable and mortgage rates have been falling as the outlook improves and inflation has eased.
As a result, there’s less need for customers to rush to take a rate six months before their deal ends, so lenders have started to return the window for their borrowers to pick a new deal to where it was.
It’s still possible to lock a rate in sooner with a new lender if you want to, as mortgage offers are still typically valid for up to six months.
It makes sense to shop around the entire market anyway, but starting the process three or four months ahead should give you ample time to prepare for a smooth switch.
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.
Once you have taken a look at all your different options, you will want to consider the most important aspects.
These include your current rate, the terms and length and any exit fees, as well as your loan-to-value (LTV).
When your fixed rate ends you will automatically roll on to your lender’s standard variable rate (SVR), and these often are considerably higher than a standard fixed rate.
These can be as high as nearly 8% so switching before the end of your current term is a high priority.
Money
Exactly how much MORE you’d have to pay per pint under Labour’s ‘sin tax’ raid
PUNTERS could soon be hammered by a hefty price hike on a pint of beer following Labour’s ‘sin tax’ raid.
Chancellor Rachel Reeves is reportedly considering lifting the price of a pint of beer or cider, and a shot of spirits, as well as increasing the levy on a packet of cigarettes.
The move would be a crushing blow for beleaguered boozers as well as tight-fisted pub goers.
The potential five per cent beer duty hike would lift the cost of a pint by 2.45p.
If struggling publicans take on the burden their profit per pint drops from 12p to 9.55p.
The average price for a pint in the UK currently costs £5, a report previously found.
Unsurprisingly, London has the most expensive pint in the country, with the average one costing a frightening £7.15, meaning residents in the Big Smoke could soon be set back close to a tenner for a pint of lager or cider.
Belfast, at £6.71, and Brighton and Hove, at £6.60, came in at second and third respectively, according to recent research.
Currently 35 per cent of hospitality businesses are not making a profit and some 500 pubs shut for good last year alone.
Meanwhile, the pub and brewery sector contributes £26.2billion to the UK economy and also generates £15.1billion in tax.
Emma McClarkin, chief of the British Beer and Pub Association, said any plan to further hurt pubs will be a “bitter blow”.
She said: “After the Chancellor’s pre-election promise of a five point plan for pubs, it is impossible to see how this will be fulfilled if the price of a pint is increased by the Government.
“The cost of doing business has soared in recent years and, with potentially new punishing burdens, this tax increase is the last thing pubs and beer drinkers need.”
On the other hand, the BBPA estimates a five per cent drop in beer duty would create an extra 12,000 jobs.
Ms McClarkin also wants Ms Reeves to maintain 75 per cent business rates relief and said: “Anything less will be a total betrayal of the great British pub that this Government promised to protect, and the one million jobs that depend on them.”
Brian Perkins, CEO of Budweiser Brewing Group UK, said: “Rather than increasing beer duty, the new Government should support our struggling brewing and hospitality sectors by cutting beer duty.
“The average British pint is already taxed twelve times more than on the continent.”
Mark Kent, of the Scotch Whisky Association, said: “A further duty increase would be a hammer blow.”
“It would serve no economic purpose to increase duty on spirits, with a £300m reduction in revenue since the duty increase last year by the outgoing government.
“We need a change in direction from the new Chancellor.”
Tough on NHS
WES Streeting has defended his recent criticism of the NHS, insisting only urgent reform can save the struggling service.
The Health Secretary made it clear he will not be swayed by critics, after anonymous NHS insiders told the BBC of “growing unease” over the Government’s messaging.
He told the Labour Party conference yesterday that not acknowledging the problems in the NHS would result in “killing it with kindness”.
Mr Streeting said: “I know the doctor’s diagnosis can sometimes be hard to hear.
“But if you don’t have an accurate diagnosis, you won’t provide the correct prescription.
“And when you put protecting its reputation above protecting patients, you’re not helping the NHS, you’re killing it with kindness.
“I won’t back down. The NHS is broken, but it’s not beaten, and together we will turn it around.”
His comments come after senior people in the health service expressed unease over Labour’s tough talk.
One hospital chief told the BBC harsh rhetoric could spook patients and crush staff morale. He added: “Hope is important.”
In recent weeks, the Government has claimed cancer is a “death sentence” due to NHS failings, while maternity services “shame” Britain.
By Martina Bet
Ahead of the election Ms Reeves championed local pubs.
She said: “Brits love our locals. Let’s back our landlords to keep our pubs going. We want to save the British pub because I know what an important institution they are in so many communities.”
At the Budget in March, then Tory Chancellor Jeremy Hunt said alcohol duty — which was due to rise by three per cent in August — would stay frozen to February 2025.
But tobacco duty went up by £2 per 100 cigarettes in a one-off increase which ensured vaping was cheaper.
Sir Keir Starmer has vowed to act to reduce 88,000 smoking-related deaths every year.
There is already anger at proposal to ban smoking in pub beer gardens.
Mr Streeting told Sky News yesterday: “We definitely want to see smoking phased out in our country, we committed to that in our manifesto. I’m considering, and I’m up for a national debate on this issue.
“We’re becoming sicker sooner and there is a heavy price being paid for that in our economy, our public finances and our health.”
Addressing a booze and fag duty hike, a Whitehall source told The Sun: “The budget has not been decided, there’s a long way to go before the package is finalised.”
One Treasury source tried to play down the move saying: “Sounds like a load of classic pre-Budget speculation to me.”
And a Treasury spokesman added: “We do not comment on speculation around tax changes outside of fiscal events.”
Money
Winter fuel payments could return for millions as new legal fight launched against cuts
WINTER fuel payments could return for millions after a legal challenge was launched against cuts to the benefit
If it succeeds, over 10million households that have lost the £300 a year top-up could see the help return.
Two pensioners, Peter and Florence Fanning, are seeking to take the Scottish and UK governments to court over the cut to the winter fuel payment.
Mr and Mrs Fanning of Coatbridge, North Lanarkshire, have raised proceedings with the help of the Govan Law Centre (GLC).
In the past the winter fuel payment, worth up to £300, was available to everyone aged 66 and above.
However, after Labour’s election victory, Chancellor Rachel Reeves introduced cuts limiting winter fuel payment eligibility to those on pension credit or other means-tested benefits.
The decision led to the Scottish Government to follow suit.
Mr and Mrs Fanning have now raised a judicial review at Scotland’s highest court, the Court of Session, asking it to rule on whether the decision was unlawful.
If the cuts are found to be unlawful, the petitioners could ask the court to set aside the policy and restore the winter fuel payment to all.
However, there’s no guarantee that such legal action will succeed.
Speaking at a press conference in Edinburgh on Thursday, Mr Fanning, 73, said: “We intend to sue both the London and Scottish governments, since both are guilty through action and inaction, of damaging the welfare of pensioners.
“We are hoping to be successful, given the manifest injustice involved, however, my work as a trade unionist and shop steward has taught me that some battles are worth fighting regardless of the outcome – I believe this is one such battle.”
A spokeswoman for the UK Government said: “We are committed to supporting pensioners, with millions set to see their full new state pension rise by £1,700 this Parliament through our commitment to the triple lock.
“Given the dire state of the public finances we have inherited, it’s right we target support to those who need it most.
“Over a million pensioners will still receive the winter fuel payment, while many others will also benefit from the £150 warm home discount to help with their energy bills over winter.”
What does the case argue?
The case rests on the accusation that both governments failed to adequately consult with those of pension age on the change and did not release an equality impact assessment on the changes.
The GLC claims that the government did not adhere to the requirements of the Equality Act 2010.
According to the Act, public bodies are obligated to consider how their decisions and actions will impact individuals with various “protected characteristics”, such as age and disability.
However, on September 13, the DWP did release its own equality impact assessment on target winter fuel payment, after receiving a Freedom of Information request on the matter.
In response to the request, the DWP said: “The government has followed its legal and statutory duties before introducing these changes and will continue to do so.”
However, GLC claims that there was no “proper assessment” and that the research included in the impact assessment was inadequate.
Separately, the GLC also argues that the government had a legal duty to consult people of state pension age about the changes but failed to do so.
Will it succeed?
These court battles can often take many months, if not years and the chances of reaching a verdict before the winter is very slim.
However, if the Court determines that the government failed to meet its obligations under the Equality Act 2010 or consult pensioners properly, the decision to limit the payments could be deemed unlawful.
In such a case, the Court could annul the regulations that implemented the changes and mandate the Government to conduct a comprehensive impact assessment.
This would revert the situation to its state before the policy was introduced, and winter fuel payments could be reinstated for all pensioners.
Again, the likelihood of this happening before winter is low.
It’s not the first time people have challenged benefit rules.
Back in April 2021, two Brits launched a claim against the DWP on behalf of the 1.9million households on legacy benefits who did not receive a £20 a week uplift given to those on Universal Credit during the pandemic.
They argued that those on legacy benefits should have been granted the same uplift.
However, the court ruling that followed in February 2022 dashed hopes of a payout that could have been worth £1,500 in backdated benefits.
How have winter fuel payments changed?
Winter fuel payments are now limited to retirees on pension credit or those receiving certain other means-tested benefits.
Only individuals claiming the following benefits will be eligible for a winter fuel payment this year:
- Pension credit
- Universal Credit
- Income support
- Income-based jobseeker’s allowance (JSA)
- Income-related employment support allowance (ESA)
- Child tax credit
- Working tax credit
To be eligible for this year’s payment, you must have an active claim for the benefits mentioned above during the “qualifying week,” which runs from 16 to 22 September (this week).
Most households automatically receive the winter fuel payment, including those on pension credit.
Over 800,000 households are thought to be missing out on pension credit, which unlocks their eligibility for this year’s winter fuel payment.
If you don’t apply for this year’s payment by the end of the week, you might assume that you won’t qualify.
However, thanks to a little-known loophole, this is not the case.
This is because new claims for pension credit can be backdated by up to three months.
This means that the absolute deadline to claim the benefit and qualify for this year’s winter fuel payment is December 21.
Of course, if you fail to apply for the benefit before this date, you won’t qualify for this year’s £300.
What is pension credit and how do I apply?
PENSION credit tops up your weekly income to £218.15 if you are single or to £332.95 if you have a partner.
This is known as “guarantee credit”.
If your income is lower than this, you’re very likely to be eligible for the benefit.
However, if your income is slightly higher, you might still be eligible for pension credit if you have a disability, you care for someone, you have savings or you have housing costs.
You may get extra amounts if you have other responsibilities and costs.
Pension credit opens the door to other support, including housing benefits, cost of living payments, council tax reductions, the winter fuel payment and the Warm Home Discount.
You can start your application up to four months before you reach state pension age.
Find out more by visiting gov.uk/pension-credit/how-to-claim.
Money
‘Just bring it back forever’ say shoppers after Quality Street brings back long gone favourite flavour for 2nd Christmas
SWEET-TOOTH shoppers are raving about Quality Street bringing back a favourite flavour.
And it’s set to return in time for the festive season.
The coffee creme flavour chocolate was last seen in Quality Street tubs over 20 years ago, until the chocolatier reintroduced it last year.
Nestle has confirmed that the sweet treat will be available once again this Christmas.
But 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.
Read more chocolate stories
But that’s not stopping chocolate lovers getting excited about its return to the shelves.
Social media users were raving about how it was their favourite flavour.
One said: “Brilliant. Coffee Creme is my absolute favourite.”
Another said: “Glad; coffee crème is my favourite.”
While some suggested it’s so good that it should be made permanent.
One pleaded: “Please bring coffee cremes back permanently rather than just for Christmas.”
Another agreed: “They need to be back permanently.”
But some fans expressed their frustration at the chocolates not being offered in the tubs.
One said: “Wish these would go in the tubs.”
The first pick and mix station opened yesterday (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.
LOCATIONS OF JOHN LEWIS’ PICK & MIX
SHOPPERS can create their own bespoke collection of Quality Street favourites to take home, or gift, this Christmas at the pick and mix stations.
These will be located at the following John Lewis stores from September 25:
- Bluewater
- Cambridge
- Cardiff
- Cheadle
- Cribbs Causeway
- Edinburgh
- Glasgow
- High Wycombe
- Kingston
- Leeds
- Leicester
- Liverpool
- Milton Keynes
- Newcastle
- Nottingham
- Oxford Street
- Peter Jones (Sloane Square)
- Solihull
- Southampton
- Trafford
How to save money on chocolate
WE all love a bit of chocolate from now and then, but you don’t have to break the bank buying your favourite bar.
Consumer reporter Sam Walker reveals how to cut costs…
Go own brand – if you’re not too fussed on flavour and just want to supplant your chocolate cravings, you’ll save by going for supermarket’s own brand bars.
Shop around – if you’ve spotted your favourite variety at the supermarket, make sure you check if it’s cheaper elsewhere.
Websites like Trolley.co.uk let you compare prices on products across all the major chains to see if you’re getting the best deal.
Look out for yellow stickers – supermarket staff put yellow, and sometimes orange and red, stickers on to products to show they’ve been reduced.
They usually do this if the product is coming to the end of its best before date or the packaging is slightly damaged.
Buy bigger bars – most of the time, but not always, chocolate is cheaper per 100g the larger the bar.
So if you’ve got the appetite, and you were going to buy a hefty amount of chocolate anyway, you might as well go bigger.
Money
Tesco shoppers rush to buy classic Christmas choc slashed to 95p – it’s the cheapest around but you’ll have to be quick
A CHRISTMAS classic chocolate has been slashed to just 95p at Tesco but you’ll have to be quick to snap up the deal.
The iconic chocolate typically retails for £1.50 at Tesco but shoppers can access the discounted price through a quick and easy method.
The chain has dropped its price of Terry’s Chocolate Orange to just 95p, far lower than its main rivals.
Currently, the next cheapest price available for the product is £1.49 at Aldi.
We should note, however, that the 95p price at Tesco is only available to those who have signed up to the supermarket’s Clubcard scheme.
More than 20 million people use the retail giant’s loyalty scheme which offers discounted prices across Tesco stores.
The free scheme rewards members with exclusive deals in-store and online and can its lower price be seen in a yellow round circle next to the standard store price.
If you are already a Clubcard member, just ensure you scan your card at the tills to get any of the discounted prices.
If you’re shopping online and have opted in to Clubcard, you’ll get Clubcard prices automatically.
For those who aren’t members, signing up is very simple.
To open an account, register online or in the Tesco app.
If you’re registering online, select ‘I’d like to join Clubcard today’.
Tesco will then email you your Clubcard number.
If you have a Clubcard but you haven’t registered yet, you can do that on the form.
You’ll need the Clubcard number, the linked address and the name on the card.
You can download the Tesco app from the App Store or Google Play store.
Those without a Clubcard will have to pay the full £1.50 price for the chocolate at Tesco.
This same price can be found at Asda, B&M, Ocado, and Iceland.
If you have a Nectar card, you can also grab the chocolate for £1.50 at Sainsbury’s.
If not however, you’ll be looking at a £1.95 price tag on the round classic.
Morrisons tops off the supermarket list at £2.00 for the much loved favourite, according to Trolley.co.uk.
Always shop around to make sure you find the best deal.
A 2018 YouGov poll found Terry’s Chocolate Orange to be Brits’ second most “Christmassy” brand after Quality Street.
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