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How to Invest £10k for 7% Yield & Passive Income in 2024

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How I’d Invest £10k to Target a 7% Dividend Yield and Build Passive Income

Here’s a strategy to build a high-dividend-yield portfolio aimed at generating long-term passive income. The London Stock Exchange is known for offering attractive dividend opportunities, with a range of mature companies providing income-generating stocks. Despite the 2024 stock market rally lowering overall yields, there are still plenty of opportunities to seize.

With that in mind, here’s how I’d structure a £10,000 portfolio in 2024 to achieve a 7% yield.

Quality over Quantity An easy way to create a high-yield portfolio is simply to fill it with high-dividend stocks. Currently, over 30 companies across the FTSE 350 offer yields of 7% or more, providing plenty of options for a diversified portfolio. Many of these companies are yielding above 7%, which could push passive income even higher. However, this approach often doesn’t deliver lasting investment returns; there’s a risk of destroying wealth instead of creating it.

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It’s essential to remember that dividend yield is impacted by share price. When a company’s market cap drops, the yield increases, often signaling underlying issues. Therefore, it’s usually better to prioritize the quality of dividends over the quantity, even if this means selecting stocks with slightly lower yields. But then, how can we raise the yield back to the target of 7%?

The key lies in focusing on a company’s free cash flow. This is the surplus cash left after covering all expenses and financial obligations, allowing companies to pay down debt, reinvest, buy back shares, or pay dividends. Strong free cash flow not only provides flexibility but can lead to dividend hikes, gradually turning modest yields into more substantial ones.

From Modest to Impressive Dividends A standout example of free cash flow growth within the FTSE 350 is Safestore Holdings (LSE: SAFE), a company worth considering. Safestore owns and operates self-storage facilities for both individuals and businesses. While opening new locations is costly, the ongoing expenses for these facilities are relatively low, with steady monthly revenue streams. This has allowed Safestore to maintain impressive free cash flow margins, averaging around 55%.

This financial strength has enabled Safestore to increase its dividend for nearly 15 consecutive years, with payouts rising by an average of 17.4% annually. How has this affected its dividend yield?

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In November 2014, Safestore shares traded around 212p, with dividends at 7.45p, yielding a modest 3.5%. Today, the payout per share is closer to 30p, which means that on an initial cost basis, the dividend yield has grown to 14%.

Safestore isn’t the only company to achieve consistent dividend growth, and there are other similar stocks on the UK market with potential for high dividend growth. That’s why, if I had £10,000 to build a passive income portfolio now, I’d skip the obvious high-yield stocks and focus on those with the potential for sustainable dividend growth over the long term.

Disclaimer

The information provided in Finance Monthly is for informational purposes only and should not be construed as investment advice. All content, including articles, interviews, and analysis, reflects the opinions of the authors and does not necessarily represent the views of Finance Monthly.

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Investing in financial markets involves risks, including the loss of principal. Past performance is not indicative of future results, and there is no guarantee that any investment strategy will be successful. Readers should conduct their own research and consult with a qualified financial advisor before making any investment decisions.

Finance Monthly is not responsible for any losses or damages arising from reliance on the information contained herein. By accessing this publication, you acknowledge and accept these terms.

 

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Asda website goes DOWN leaving thousands of Brits unable to access orders and rewards

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Asda website goes DOWN leaving thousands of Brits unable to access orders and rewards

ASDA’S website has gone down leaving thousands of Brits unable to access their orders.

Problems first started being reported around 3pm on Tuesday – with the majority of customers struggling to use the app.

There have been over 1,000 complaints noted, according to Downdetector.

Downdetector tracks outages and said that “user reports indicate problems at Asda“.

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Online shoppers up and down the country including people in Glasgow, Manchester, Nottingham, Birmingham, London and Plymouth have all experienced the outage.

Some 39 per cent have logged an issue on the app, with 33 per cent even struggling to log in while 28 per cent have complained through the webiste.

read more on supermarkets

Brits have raged they can’t even order their food shop.

One customer said: “I can’t seem to log into my Asda account? It keeps saying something went wrong?

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“How are we supposed to do an online shop if we can’t even log into the account?”

Meanwhile, others said it’s “becoming too regular a thing”.

They fumed: “I have been signed out of my Asda app for some reason and now it won’t accept my, very definitely correct, password.

“I asked for a link to reset the password to make things quicker, still haven’t received it! These problems are becoming too regular a thing.”

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A second said on X: “Is the Asda App down? I cannot login no matter which device I try.”

Can you claim compensation for outages?

There’s no fixed compensation scheme for supermarket website outages like there is for other industries such as telecoms.

But if being unable to access your account has left you out of pocket for any reason, it’s worth contacting Asda.

You should gather evidence, for example, a delivery receipt, and get in touch with Asda’s customer service team.

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For online grocery order issues, you can ring 0800 9520 395 which is free to call from landlines and mobiles.

Asda's website is down

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Asda’s website is downCredit: Alamy

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Wetherspoons new Christmas menu launches TODAY – but a festive classic is missing

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Wetherspoons delays opening 'super spoons' hotel for SECOND time

WETHERSPOON’S has rolled out its 2024 Christmas menu today with a raft of new items – but one festive classic hasn’t made an appearance.

The pub chain’s festive range is available from today until December 31, with some tasty bites and meal deals on offer.

The new Wetherspoons Christmas menu is here

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The new Wetherspoons Christmas menu is hereCredit: Wetherspoons

The new menu has been rolled out in all of Wetherspoons’ 900 pubs, and there are at least ten Christmas items to try while you enjoy a pint.

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Last year’s menu included a bacon and garlic mushroom pizza, a brie and cranberry panini, and a salted caramel sticky toffee pudding.

What’s new on the menu this year?

For this year’s festive period, customers can order a new pizza version of the popular “big cheese burger” released last year, which is covered in gooey mozzarella, brie, cheddar, blue cheese sauce topped with rocket from £9.84.

Senior consumer reporter Adele Cooke tried the big cheese pizza and scored it 3.5 out of 5.

There’s also a smaller, eight inch portion available for £6.51 at the pub we visited – but prices vary depending on location.

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It’s not the first time Wetherspoons has launched a festive-themed pizza, as it unveiled a chicken, stuffing, bacon and brie pizza in 2022.

This year, the menu also features a never-before-seen burger, pizza and dessert.

There’s also a new vegan five gold rings burger on offer from £10.43, combining a Beyond Meat plant-based patty, BBQ sauce, iceberg lettuce, tomato and red onion, topped with five onion rings.

For those looking for a lunchtime pick-me-up, there’s a brand new southern-fried chicken and stuffing wrap.

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And for those with a sweet tooth, there’s the all-new cookies and cream blondie.

We’ve included the full list of prices below – but be aware that prices are different at every Wetherspoons, so yours might be cheaper or more expensive than the one we visited.

Several fan favourites are also returning this year.

The popular brie and bacon burger, chicken and stuffing burger and big cheese burger are back on the menu.

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Also making a comeback is the chicken, stuffing, bacon and brie pizza; the chicken, stuffing, bacon and cranberry panini and the brie and cranberry panini.

But this year, the festive classic mince pie isn’t returning.

You also won’t find the bacon and garlic mushroom pizza on the menu either.

What is on the Wetherspoons Christmas menu?

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Here are the new festive menu items:

  • Sliced turkey breast and winter vegetables – £13.99 with a soft drink or £15.61 with an alcoholic drink
  • The big cheese burger – £11.89 with a soft drink or £13.51 with an alcoholic drink
  • Brie & bacon burger – £11.89 with a soft drink or £13.51 with an alcoholic drink
  • Chicken & stuffing burger – £11.89 with a soft drink or £13.51 with an alcoholic drink
  • The five gold rings burger – £11.89 with a soft drink or £13.51 with an alcoholic drink
  • 11″ chicken, stuffing, bacon & Brie pizza – £12.31 with a soft drink or £13.93 with an alcoholic drink
  • 11″ big cheese pizza – £11.23 with a soft drink or £12.85 with an alcoholic drink
  • Any 3 small plates – £18.09
  • Pigs in Blankets – £6.13
  • The big cheese chips – £6.66
  • 8″ chicken, stuffing, bacon & Brie pizza – £7.73
  • 8″ big cheese pizza – £7.18
  • Chicken, stuffing, bacon & cranberry panini – £7.45 with a soft drink or £9.07 with an alcoholic drink
  • Brie & cranberry panini – £7.45 with a soft drink or £9.07 with an alcoholic drink
  • 12″ southern-fried chicken & stuffing wrap – £7.45 with a soft drink or £9.07 with an alcoholic drink
  • 10″ southern-fried chicken & stuffing wrap – £5.86 with a soft drink or £7.48 with an alcoholic drink
  • Cookies & cream blondie – £6.26
  • Chocolate-Orange Espresso Martini – £6.99 each or two for £13.50

Prices may vary depending on location.

The festive Deli Deals are also back from £4.11 next month.

Customers can get a chicken, stuffing, bacon and cranberry panini or brie and cranberry panini.

There’s also a small southern-fried chicken and stuffing wrap and southern-fried chicken and stuffing wrap back on menus.

The Deli Deals and other festive meal options, including burgers, pizzas and roast, all come with a soft or alcoholic drink.

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Wetherspoons isn’t the only chain or retailer gearing up for the festive period.

Côte restaurants has launched an indulgent range of Christmas meals that shoppers can get delivered to their front door.

And the range has been designed by none other than Steve Allen – Gordon’s Ramsay’s former Executive Chef.

Tesco has also unveiled its Christmas range for 2024, including pigs in blankets stuffing balls and a fancy dessert costing £20.

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Meanwhile, Aldi is offering customers some quirky items this year including fudge-flavoured cheese.

M&S and Sainsbury’s have both shared their Christmas menus with customers too.

How often does Wetherspoons change its menu?

Wetherspoons makes changes to its menus several times a year in order to refresh its menu and compete with its rivals.

Last month it cut down the price of its ales, spirits and largers, which means customers can pick up  a pint of Ruddles Best for just £1.79.

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Meanwhile, in May it axed 18 drinks from its menus in a major shakeup.

A number of spirits were dropped from menus in May, including Lambs Navy Rum, Bombay Bramble and Gordon’s Sicilian Lemon.

Duppy Share White, Chase pink grapefruit pomelo gin and Buffalo Trace were also cut.

In April the popular pub chain added several items to its menu including a ramen noodle bowl, shawarma chicken wrap and three new breakfast items.

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From reviving ‘dead’ pets to Ibiza benders and living in a caravan – how Lotto winners who scooped £194m splashed cash

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From reviving 'dead' pets to Ibiza benders and living in a caravan - how Lotto winners who scooped £194m splashed cash

THIRTY years ago today, the first-ever National Lottery tickets went on sale.

And since then the cash draw has given away an astonishing £94BILLION in prize money and created 7,400 millionaires.

Celebrity photographer Rankin brought together 30 jackpot winners for a photoshoot

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Celebrity photographer Rankin brought together 30 jackpot winners for a photoshootCredit: Rankin

To mark the milestone, celebrity photographer Rankin brought together 30 jackpot winners for a photoshoot.

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The lucky lot, whose ages range from 25 to 80, have won £194,465,555 in total.

They include EuroMillions winners Gareth Bull, who won £40million, and Lesley Higgins.

She scooped nearly £58million and says the lottery saved her husband’s life.

Here, all 30 tell their tales of the ultimate in lotto luck

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£1,000,000

1. MATT MYLES Apr 8, 2014

WHEN factory worker Matt won the EuroMillions UK Millionaire Maker, he jumped on a plane to join his mates on a lads’ holiday that he had previously not been able to afford.

He says: “For the first 12 months after my win, I went a bit wild. I flew to Bali for five weeks, on to Thailand, and Brazil for the World Cup, which was unbelievable, then I went to Ibiza for a mega holiday with 13 of my pals.”

Matt, 38, who lives in Hereford with wife Stacey, 35, and their two young sons, now runs a property business and still keeps his winner’s giant cheque in his shed.

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£1,038,997

2. JULIE JEFFERY Jun, 2002

JULIE kept working as a fire station cook after her win, and only retired in June this year.

The man of my dreams told me he was a millionaire lottery winner – but it turns out he was living out of his car AND cheating on me the whole time

She says: “I loved my job,” and adds: “Early on I went into a boutique in London and saw Amanda Holden. I had such a strong urge to go up to her and shout, ‘I’ve won the lottery!’”

Her first post-win purchase was a six-sided cheese grater, but since then Julie, 63, and husband Chris, 68, of Watford, Herts, have gone on to buy a holiday park home in Devon.

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The couple have two grown-up children and Julie says: “Our win allowed our children to start their families earlier, so I thank the National Lottery for my grandchildren!”

£10,000 a month for 30 years

3. SYLIA 0DOLANT-SMITH Oct 24, 2019

DAYS before her Set For Life win, Sylvia’s beloved rescue cat Phangan was diagnosed with cancer and needed treatment she could not afford.

Former caterer Sylvia, 47, took her straight back to the vet and ordered medication and care that extended her life by eight months.

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She says: “The winnings bought us time with her that I’ll remember for ever.”

Sylvia and husband Gavin, 44, now live in Essex and France.

She says: “We bought a little flat in Brittany, which we’re doing up.

“Our plan is to do up properties, enjoy life together – and continue to rescue animals.”

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£2,003,705

4. BRIAN SHARP Jun 19, 2010

GRANDAD of five Brian had always dreamed of living by the river in Musselburgh, East Lothian – and he snapped up a five-bedroom home there just five days after his jackpot win.

But the 63-year-old former electrician didn’t quit his job so fast, and says: “I had to work another six weeks before they found a replacement for me.”

He adds: “Our winning cheque is framed and takes pride of place in our downstairs toilet.”

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Brian and wife Anne, 62, now spend a lot of time travelling.

He says: “Our aim is to see every Formula One grand prix.

“My favourite saying is, ‘How much for cash?’.”

£1,000,000

5. BEN LOWTHER Oct 2021

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Ben, 41, and fiancée Holly, 31, used their lottery win to buy a four-bedroom house

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Ben, 41, and fiancée Holly, 31, used their lottery win to buy a four-bedroom houseCredit: PA

VIDEO games developer Ben won EuroMillions’ UK Millionaire Maker prize on a Friday, and was made redundant the next Monday.

He says: “I was devastated to lose my job but we were in a more fortunate situation thanks to our win.

“A neighbour lost his job too, so it was lovely that we could help them out financially so close to Christmas.”

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Ben, 41, and fiancée Holly, 31, used their lottery win to buy a four-bedroom house in Cambridge, where they live with their three children.

Ben also proposed to Holly, and they are now planning the wedding of their dreams.

£57,975,367

6. LESLEY HIGGINS July 10, 2018

PORT worker Lesley, 63, had always dreamed of having a swimming pool – but now she takes dips in her very own loch.

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She and husband Fred, 74, bought an 850-acre estate near Perth after their EuroMillions win and she says: “We learned to farm alongside Jeremy Clarkson’s TV show.”

The couple, who have one daughter, also credit the win with saving Fred’s life.

When he bought a custom-made kilt, a tailor noticed his dramatic weight loss between fittings.

Fred was diagnosed with prostate cancer and had successful surgery.

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Lesley says: “I feel that the lottery saved his life in a way.”

£6,048,499

7. VIV MOSS Oct 3, 1998

THREE weeks after their big win, hairdresser Viv and her partner Kevin got married.

But it was hardly extravagant, with the reception at a Harvester restaurant costing £375.

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 She says: “It was so last-minute that we scraped ‘Merry Xmas’ off an M&S festive cake and placed a mini bride and groom on top instead.

“I cried at the wedding because I was still in shock.”

Grandparents Viv, now 73, and Kevin, 78, later moved to Newquay in Cornwall, and she says: “We saw apartments being built overlooking our favourite bay, and bought one.

“Now I bodyboard in the surf whenever the weather allows.”

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£1,000,000

8. NATALIE CUNLIFFE Feb 2016

AFTER their scratchcard win, event planner Natalie and husband Andrew, 45, moved to a new home in Blackpool with their ten-year-old daughter and six-year-old son. 

Natalie, 39, says: “Andrew popped the question straight after the win and we had our dream wedding in Cyprus.

“We bought an Audi Q5 but I still shop at Aldi and always get discount codes.”

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She adds: “Our son loves sport, and our daughter has a one-to-one football coach and is inspired by the Lionesses.

“We’ve been to see them play, and we’ve installed goalposts in the garden to help her train.”

£40,627,241

9. GARETH BULL Jan 20, 2012

FORMER builder Gareth spent some of his colossal fortune on a bungalow on a large plot in Mansfield, Notts, then knocked it down and moved into a caravan on site.

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During lockdown he then built his own four-bedroom mansion with an eight-foot projector screen, a pool with wave machine and hot tubs.

Dad-of-two Gareth, 53, recalls: “My friends said, ‘You’ve won £40,000,000 and moved into a caravan!’ 

“When lockdown happened the builders had to stop but I just carried on alone.”

He even dug a lake and built what he calls a Lottery Lodge on the shore.

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£1,054,000

10. ANNE CANAVAN Aug 28, 2015

LANDLADY Anne’s EuroMillions win has allowed her some spare time to work on an invention she hopes will help her clean up even more – the “Snotblot”, a kids’ wristband that stores tissues.

The 63-year-old grandma of five has also written a children’s novel which she hopes will be published.

Anne, who splits her time between Northern Ireland and Kingston-upon-Thames in South West London, also treated herself to a car – though nothing too flash.

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She says: “I read that Roald Dahl used to drive an old banger, so I bought a 2008 Saab.”

£7,649,520

11. RAY WRAGG Jan 22, 2000

BIG-hearted construction supervisor Ray and his wife Barbara gave away £5.5million of their Lotto jackpot to family, friends, hospitals and good causes in Sheffield.

They once took 250 school children to a Disney On Ice show and paid £12,000 for war veterans to revisit Monte Cassino in Italy, scene of a devastating 1944 battle.

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Barbara died in 2018 but Ray is now sharing his life with new partner Anne, 85.    

He says: “I found happiness again when I met Anne on a cruise and we’ve just gone 50-50 on a three-bedroom bungalow together.”

£14,003,369

12. JACKIE KING Nov 1998

THE first thing that mum-of-two Jackie did after her Lotto win was organise a trip to Lapland for her sons and 35 family and friends. 

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Administrator Jackie, 68, bought a six-bedroom house in Humberston, North Lincs, but downsized when her sons, now aged 35 and 32, left home.

She says: “I don’t think the win changed me but when I first won, people would say to me, ‘What are you still doing in Grimsby?’ 

“I was also questioned when I looked at the sale rails in House of Fraser – but I still like a bargain.”

£1,000,000

13. JODIE LANGSTON Oct 2019

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JODIE had been saving up for a pair of Ugg boots when she won on an Instant Win Game.

The 27-year-old recalls: “When I won, I said to my sister, ‘There’s three different colours, which pair should I choose?’ and she replied, ‘You’ve won the lottery – you can afford all three!’.”

Jodie, of Northfield, South Birmingham, married 28-year-old decorator Alex in July this year – and did not scrimp on the event.

She says: “I had the wedding of my dreams – a huge country house, nine groomsmen and nine bridesmaids, with a honeymoon in Greece.”

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£13,861,061

14. DEAN ALLEN Aug 5, 2000

THE company where printer Dean and his girlfriend Louise worked was getting rid of half the staff.

Four days later he won a mega Lotto rollover.

Dean, 50, of Ongar, Essex, gave up work straight away and married Louise, now 47, and they have two girls.

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His new life of leisure allowed him to help with sports at his daughters’ school, which he did for nine years, and he qualified as a coach for West Ham United’s foundation and academy.

Dean says: “I drive a Mini now and don’t feel the need for a big car.

“It’s taken me 24 years to become a grown-up.”

£1,000,000

15. CERI ROSCOE-ROBERTS Nov 3, 2023

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CARE company manager Ceri has always been prone to having vivid dreams.

So when she told her 46-year-old husband Paul of their EuroMillions win early one morning, she recalls: “He thought it had been one of my dreams.”

The couple, who have five children, quickly embarked on a new life in Snowdonia in North Wales.

Ceri, 43, says: “We bought a guest house with every bedroom ensuite, and a garage.

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“I wake up every morning and it still takes a while for reality to sink in.”

£2,704,666

16. ELAINE THOMPSON Dec 9, 1995

ELAINE hit the lottery jackpot on her 17th wedding anniversary to her 66-year-old husband Derek.

She says: “We were whisked off to the Waldorf Hotel in London by the National Lottery, but when I saw the menu there I refused to pay £35 for a burger and we walked to McDonald’s.”

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They used some of their win to open a restaurant in Lyme Regis, Dorset, then bought a four-bedroom house in North Shields, Tyne and Wear.

Elaine, 69, says: “Since winning we have bought four racehorses and this year we achieved our ambition to visit every racecourse in the UK.”

£4,078,509

17. DONNA HENDRY Jan 7, 2015

WINNING their jackpot allowed Donna and husband David to spend five precious years fulfilling their dreams before he died in June 2020 aged 51, after a short battle with cancer.

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The couple, who have one son, quit their jobs and bought a home in Mid Calder, West Lothian, and commercial executive Donna, 54, says: “We spent every day together.

“We went on amazing trips, including Memphis, because David was such an Elvis fan.

“We even had a special Elvis suit made so he could serenade his friend at a Vegas wedding, and I still have that video, although I can’t bring myself to watch it just yet.”

£13,538,113

18. PETER CONGDON May 27, 2015

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Peter Congdon gave £1.2million of his winnings to fund a hydro pool at a local multiple sclerosis centre

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Peter Congdon gave £1.2million of his winnings to fund a hydro pool at a local multiple sclerosis centreCredit: Mike Thomas – The Sun

GREAT grandad Peter gave £1.2million of his winnings to fund a hydro pool at a local multiple sclerosis centre in memory of his late wife Rosemary, who had the condition for 30 years.

Peter, 76, from Truro, Cornwall, was a retired funeral director before his big win and ran a Ford Kuga, but afterwards he treated himself to a £100,000 BMW i8. 

He says: “I was pulled over by a policeman and he said, ‘There’s nothing wrong – I just want to admire your car’.”

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He adds: “At weekends I drive brides to their weddings for free in my £250,000 Bentley Continental.”

£1,000,000

19. NEIL LEIGHTON Dec 2023

ASSISTANT leisure centre manager Neil won a million playing an Instant Win game on his phone.

He says: “My mum didn’t believe me, so I sent her a screenshot of the winnings in my bank account.

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“A month after my win, I took 13 of my friends to Greece and hired a beautiful villa.

“It cost £30,000 – then ‘sensible Neil’ took over.” 

The 25-year-old bought a four-bedroom house near his parents in Hereford and says: “Mum still cooks me tea.”

He adds: “My main spending will be on train memorabilia. I’d love to have a steam train at some point – even if it was a small ride-on railway.”

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£1,017,166

20. HANNAH HALLSWORTH Nov 2008

STUDENT Hannah was just 19 when she became a millionaire, and recalls thinking: “This can really change my life if I’m sensible.”

She qualified as a personal trainer, then used some of her windfall to compete in bodybuilding contests around the world.

She says: “It helped to pay for flights, hairstyling, specialist spray tans and beautiful, bespoke outfits.”

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Hannah is now 35, and works as a trainer part-time and lives in a four-bedroom home in Sheffield with partner Mark, 37, and their toddler son.

She says: “My happiness is complete.”

£2,604,015

21. MATT EVANS Jul 8, 2015

FOOTBALL-mad Matt turned his back garden into a pitch after hitting the jackpot, complete with full-size goals and a dugout.

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But it still took the former postman some time to fully adjust to his win.

He says: “I was in shock. I spent £700 on new clothes but then I didn’t spend anything for a month.

“I was afraid to leave the house for weeks.”

Since then Matt, 44, who lives in Barry in the Vale of Glamorgan with girlfriend Hollie, 30, and their young son, has travelled the world to watch Cardiff City FC and Wales play.

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£1,000,000

22. DEBBIE GOOLDING Jul 2020

Debbie Goolding treated her kids to iPads

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Debbie Goolding treated her kids to iPadsCredit: PA

CATERER Debbie’s £5 scratchcard from Tesco sat in the bottom of her bag – until she remembered to check it one night while she was watching the Will Smith movie Independence Day on TV.

Next day, the 51-year-old mum of four and her husband, heating engineer Joseph, 42, hit the shops.

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She recalls: “We bought iPads for the children and expensive Calvin Klein boxer shorts for Joe.”

They later built their own home in Aldershot, Hants, but they both still work.

Debbie says: “One customer couldn’t believe I’d won the lottery. He said, ‘You look so normal’.”

£3, 570, 063

23. GERALDINE BRADLEY Mar 11, 2006

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HAIRDRESSER Geraldine and her husband Christopher, 53, celebrated their win with a £9.99 box of KFC.

The mum of two says: “We were scared to spend anything for the first six months.”

But since then the couple have allowed themselves a splurge on their love of motorcycles.

Geraldine, 55, of Pembrey, Carmarthenshire, says: “For my 40th, I treated myself to a £7,000, 600cc Honda with a top speed of 156mph. We even once had our hedge cut in the shape of a motorbike.”

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She still works two days a week but notes: “The tips did stop.”

£3,665,079

24. CELESTE COLES Jul 12, 2022

Celeste Coles bought a flat in Spain

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Celeste Coles bought a flat in SpainCredit: Camelot

RETIRED college lecturer Celeste thought it was fate when she checked her EuroMillions numbers late one night on her laptop.

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She recalls: “I always thought I was going to win – and win big.”

The mum of two from Birmingham says: “My daughter Rachel has Down’s syndrome and one of my very first thoughts was that I could help to secure her future.”

Celeste, 71, also bought a flat in Spain, helped family in Barbados and splashed out on globe-trotting adventures.

She adds: “Next I plan to visit North America, and I can’t wait.”

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£10,000 a month for 30 years

25. JAMES EVANS Dec 28, 2020

JAMES was on his PlayStation when he got an email telling him of his Set For Life win.

The 25-year-old landscaper and paver then rang to check and says: “Apparently I was the most chilled winner who had ever called the lottery hotline, but in truth I was in shock.”

James bought a house in Swadlincote, Leics, and fitted it out with a hot tub and gazebo.

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He also helped to design and build a memorial garden for the charity Canine Partners, which provides assistance dogs for disabled people.

He says: “It took two weeks but when I saw the charity’s film about their work, I actually cried.”

£3,800,000

26. JONNY JOHNSTON Dec 16, 2023

STRAIGHT after he found out about his Lotto win, Tesco delivery driver Jonny did a shift in the pouring rain.

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He says: “I couldn’t bear the thought of my elderly customers being let down.”

The 46-year-old, who still works one day a week, went on to marry his long-term partner Christina, 46, with whom he has three children.

Among his buys, he has treated himself to some new wheels – of an unusual kind.

Jonny, from County Fermanagh in Northern Ireland, says: “I drive the same car, but I did buy five tractors.

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“But I’ve promised I will stop now.”

£1,000,000

27. KATE DONAGHEY Sept 2018

Kate and Darren bought a new house and are stay at home parents

6

Kate and Darren bought a new house and are stay at home parents

FULL-time mum Kate did not believe it when her 39-year-old hubby Darren went shopping for milk and came back with a winning scratchcard.

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She recalls: “I kept saying, ‘Where’s the milk?’ while he was shouting, ‘We’ve won a million pounds’.”

The couple, from Gosforth, Newcastle, bought a new house and can now afford to be stay-at-home parents to their two children, who both have autism.

Kate, 34, says of the win: “It’s emotional because the money gives them security in the future. Our National Lottery win drastically changed our lives for the better.”

£1,000,000

28. JAMIE HEAVENS Sept 9, 2016

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WHEN he won his fortune with a scratchcard, Jamie was 22, dad to a nine-week-old baby boy – and so broke that he could not afford to marry his fiancée Danielle.

But the former roofer and his partner, from Bournemouth, have since treated themselves to a £25,000 wedding and have a second child. 

Jamie, now 30, also started his own breakdown business, while Danielle, 29, began a cake company.

Jamie says: “I can step back from work a bit now, and I’ve taken up fishing.

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“The win still hasn’t really sunk in.”

£10,000 a month for 30 years

29. JOANNE JOBSON Feb 22, 2024

JOANNE was working nights as a carer at a home for children with disabilities when she won the Set For Life game.

The 51-year-old, from Hartlepool, Co Durham, says: “I rang and told my deputy and she simply said, ‘Go and enjoy your life’.

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“I bought a four-bedroom house just a month after my win and I also treated myself to a diamond ring in an antique shop – something I never would have done before.”

Joanne now plans a trip to London to see Abba Voyage and to go up the Shard.

But she says: “I still pop into the care home and have tea with the kids there.”

£3,045,705

30. SARAH COCKINGS Apr 30, 2005

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STUDENT Sarah hit the headlines after her win for buying boob jobs for her two sisters and herself.

But she has rarely splurged her cash since then.

The 40-year-old says: “We took the children camping every year and only actually went abroad with them for the first time this year.”

Sarah also bought a home in Whitley Bay, Tyne & Wear, where she lives with her partner, their young son and three children from a previous relationship.

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She says: “Now I’m planning on doing something new – maybe a dog-grooming course.”

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Money

Three top deals to help you save more on your clothing

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Three top deals to help you save more on your clothing

HIGH street fashion chains are setting a trend – by helping shoppers to stop buying clothes they don’t need.

The initiatives are good for your wallet and the planet.

We have three tips to help you save on your clothing

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We have three tips to help you save on your clothingCredit: Getty

Here are some of the top deals . . . 

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SECOND CHANCE: You can buy and sell pre-owned styles direct through Zara’s website.

It’s a great way to cut costs on one of your favourite brands.

To sell clobber you no longer wear, simply scan the barcode on the label of the item and the site uploads a description and image.

READ MORE MONEY SAVING TIPS

HIRE FASHION: More stores are adding the option of renting clothes rather than having customers buy new.

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These services are great if you need an outfit for a special occasion, such as a job interview or a wedding.

Through H&M, you can rent selected brand pieces.

A silk-blended halterneck, full-length dress is currently available for £35 for seven days, while John Lewis rents designer labels from £20.

John Lewis has also teamed up with The Little Loop to allow parents to rent and swap clothes for children.

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Membership starts at £18 a month and you can choose a wardrobe then switch items in and out of it any time, for example when the seasons change.

‘Zara why are your sizes so wrong-’ cries disappointed fashion fan as she tries on new arrivals

STYLE FIX: Marks & Spencer, Zara and John Lewis are among the big names now offering repair services to help clothes last longer so you don’t need to buy new ones.

Button and zip replacements, hemline adjustments and fixing rips are among the services on offer.

Often, items from other chains can be sent to get mended too.

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Costs usually depend on the repair needed.

For example, through M&S’s Sojo repair partnership, you can expect to pay £10 to have a small hole of 0.5cm in knitwear darned.

The store says you receive items back and ready to be worn within a week of sending them away.

  • All prices on page correct at time of going to press. Deals and offers subject to availability

Deal of the day

Vera Wang’s Princess eau de toilette is down to £18.99 at Boots

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Vera Wang’s Princess eau de toilette is down to £18.99 at BootsCredit: supplied

IN need of a new scent? Vera Wang’s Princess eau de toilette is down from £66 to £18.99 at Boots.

SAVE: £47.01

Cheap treat

There's 20  per cent off baubles at Flying Tiger online using code CHRISTMAS20

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There’s 20  per cent off baubles at Flying Tiger online using code CHRISTMAS20Credit: Flying Tiger

THEY are Christmas decorations but maybe not as we know them.

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Fun and qirky bauble styles like this aubergine start at £2 at Flying Tiger.

What’s new?

GIVE your morning brew a seasonal spin with Sainsbury’s winter-edition ground coffee, featuring hints of cinnamon and chocolate. £3.90 a pack, £3.50 with a Nectar card.

Top swap

This candle is £45 from The White Company

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This candle is £45 from The White CompanyCredit: The White Company
But the Lidl version is only £24.99

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But the Lidl version is only £24.99Credit: Lidl

GIVE your home a delicious winter fragrance with the fir tree candle, £45 from The White Company.

Or avoid burning through as much cash with Lidl’s large centrepiece candle, £24.99 in store this week.

SAVE: £20.01

Little helper

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TODAY only, bag a free slice of cheesecake by being one of the first 25 people to donate a new or pre-loved toy at your nearest Hungry Horse.

The chain aims to collect 5,000 toys for families in need.

Shop & save

This mini doughnut maker is down from £39.99 to £19.99 at Lakeland

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This mini doughnut maker is down from £39.99 to £19.99 at LakelandCredit: Lakeland

WHIP up your own treats at home with this mini doughnut maker.

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It’s down from £39.99 to £19.99 at Lakeland.

SAVE: £20

Hot right now

BAG two tubs of Quality Street or Celebrations chocolates for £8 at Iceland this week. They are £6 each so you will save £4.

PLAY NOW TO WIN £200

Join thousands of readers taking part in The Sun Raffle

7

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Join thousands of readers taking part in The Sun Raffle

JOIN thousands of readers taking part in The Sun Raffle.

Every month we’re giving away £100 to 250 lucky readers – whether you’re saving up or just in need of some extra cash, The Sun could have you covered.

Every Sun Savers code entered equals one Raffle ticket.

The more codes you enter, the more tickets you’ll earn and the more chance you will have of winning!

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The little-known app which can save you ££ on your household essentials this winter

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The little-known app which can save you ££ on your household essentials this winter

THE colder months of the year are upon us and households across the UK are feeling the pinch.

But savvy shoppers can use the new Poundland Perks loyalty app, which allows you to save on the essentials for the festive season and and beyond.

Save money on the essentials with Poundland Perks

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Save money on the essentials with Poundland PerksCredit: poundland

Sign up for Poundland Perks

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The Poundland Perks app launched in mid-October with exclusive savings on everyday products ranging from groceries and toiletries to cleaning supplies to seasonal homeware.

Shoppers looking for ways to beat the cost of living squeeze on finances can sign up for the free app to immediately get access to exclusive discounts.

Perks Pricing deals are savings that are ready to be redeemed in-store, simply by scanning a barcode in the app.

When you’ve found your discounts and are ready to shop, add your items to your in-app basket and head to a Poundland store.

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At the checkout, you’ll scan the QR code from the app to redeem your savings – it’s really that simple.

Through a range of discounts, rewards and limited promotions, the app lets its users access exclusive deals that are only available to members.

Save on everyday essentials

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Save on everyday essentialsCredit: Facebook/PoundlandPortadown

Sign up for Poundland Perks

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But the good news doesn’t stop there, because the loyalty app goes beyond saving on in-store purchases.

When you buy certain products, you’ll earn Powered Up Points which can be collected and redeemed for even more rewards.

For every £1 spent in-store, Poundland Perks members scoop up 100 points in the app and every 5.000 points earns them a £1 voucher.

Poundland Perks also features ‘spin the wheel’ competitions every Wednesday for chances at other prizes and rewards (but these are limited and at Poundland’s discretion).

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Winter tends to bring unexpected expenses, from heating costs to seasonal purchases, so the Poundland Perks promotions are regularly updated on the app to include the latest digital coupons and seasonal promotions (perfect for the upcoming holidays).

This means it’s easier than ever to maximise the savings you’ll receive on essential shops all year long.

So you can stock up on snacks, cleaning supplies, and festive fun all in one place.

How does the Poundland app work?

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Wondering how to get started with the Poundland app? We’ve outlined everything you need to know below.

The Poundland app, or Poundland Perks, is a digital loyalty platform, which has been designed specifically to help shoppers save on everyday essentials.

To get started, you’ll first need to download the free app and create a free account. This gives you access to a variety of exclusive discounts and rewards that aren’t available in-store.

Through the app, you can browse current promotions that you can shop in store, from discounted snacks and toiletries to household essentials.

When you’re ready, you add these items to your virtual basket and head down to your nearest Poundland location, where you can scan a QR code at checkout.

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This barcode applies your selected in-app discounts instantly, so it’s super easy to save once you’re at the till.

In the app, you’ll also find digital coupons, special seasonal promotions and a point-based loyalty system when you spend.

For every £1 you spend in-store, you’ll earn 100 points, these points can then be redeemed for further discounts on future shops. Checking the app often means you won’t miss out on the latest savings and limited offers.

With Poundland Perks, you can stock up on essentials, earn loyalty points and keep your essential costs down, all from the comfort of your home and from your chosen device.

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Download the app today to start saving.

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Black Friday deal dates revealed including Amazon and Lidl as Tesco, Boots and Aldi launch sales EARLY

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Black Friday deal dates revealed including Amazon and Lidl as Tesco, Boots and Aldi launch sales EARLY

BLACK Friday is at the end of the month, but many retailers have already launched early sales.

Black Friday is a prime time to buy Christmas gifts for less than usual, or pick up some winter essentials, with deals across tech, beauty, fashion, broadband and home.

Black Friday is the perfect time to buy Christmas gifts for less than usual

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Black Friday is the perfect time to buy Christmas gifts for less than usualCredit: Getty

This year, Black Friday officially falls on November 29.

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But the event is no longer just one day, with those hunting down a deal having until December 2, or so-called Cyber Monday, to make the most of the sales – and some stores run their bargains even longer.

In the next few weeks, there will be thousands of great savings on beauty sets, gaming essentials, trending toys and plenty more.

Late November is always a great time for discounted tech, with big-name brands like AppleSharkNinja, and Samsung all included in price cuts.

READ MORE ON BLACK FRIDAY

Fashion fans, meanwhile, can score savings on clothing, designer bags and popular footwear from designer retailers like UGG and Dr Martens.

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For those who already have their eye on something, they should start looking at prices now rather than waiting for the official Black Friday eventto begin.

That way they could get ahead of others hoping to nab the same item.

When are the Black Friday sales this year?

Amazon UK has already announced that its Black Friday Week sale is returning from November 21 – December 2, offering customers hundreds of thousands of deals.

Martin LewisMoney Saving Expert has revealed its latest predictions on when Black Friday sales will start.

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It’s predicting that supermarket chain Lidl will kick off its Black Friday sale on Monday 25 November, which is the same as last year.

Last year, items included an Air Fryer for £80.

But it’s important not to be taken in by the hype surrounding Black Friday and end up buying something you don’t need or can’t afford.

Always do your own price comparisons to ensure you are getting the best deal possible.

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You can use online price comparison sites like Price Spy and Trolley to see if a product you have found is the cheapest compared with others.

You can also use the Google Shopping/Product tab to do a quick scan of other offers across the internet.

Aldi’s Must-Have Toddler Specialbuys!

Which Black Friday sales have already launched?

Amazon customers can already find early deals from leading brands including Ninja, Bose, Tefal, and LG.

Customers can head to Amazon.co.uk/blackfriday to shop early Black Friday deals.

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Tesco has rolled out a host of early Black Friday deals with shoppers able to bag discounts worth up to 69%.

The UK’s biggest supermarket has joined other retailers in slashing prices on products ahead of the mega sales event on November 29.

Shoppers can pick up everything from electricals, to homewarecooking and luggage in stores.

However, Tesco said not every product will be available across all its stores, they’re not available online and it’s while stocks last, so you’ll want to be quick.

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You can find your nearest Tesco store by using the retailer’s branch locator tool on its website.

Budget chain Aldi announced that its Black Friday Specialbuys deals would hit shelves from 7 November – but once they’re gone, they’re gone.

This year Aldi fans will be able to snap up some incredible tech deals on TVs, air fryers and even drones.

Boots has launched its Black Friday and Cyber Monday deals well in advance of the anticipated sale event, although some of the best deals are typically saved until the big day itself.

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Early highlights include Dyson hair tools reduced by up to £150, while shoppers can save over £300 on selected Oral-B toothbrushes.

Along with Black Friday deals, the high street chain is launching limited Star Gift discounts and 3 for 2 on many gifting ranges.

Plus, those who have a Boots Advantage Card can save even more too – so it’s worth signing up.

Best Black Friday shopping tips

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Friday 29th November and Monday 2nd December mark the official Cyber weekend sales but with the majority of brands sharing promos before then, it’s good to check them out early.

1. Plan Your Purchases

First up, you’re obviously going to want to get ahead on the Cyber weekend deals. Be sure to prep your diary so you know exactly when you’ll want to shop those Black Friday deals

2. Sign Up

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Be sure to sign up to any Black Friday/Cyber Monday wait lists as this will ensure you’ll be first to shop the Cyber deals.

3. Download The App

App exclusives mean you might be able to gain an additional discount. This will also make the next step even easier… Prepping that wish list!

4. Add To Wish List

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Make sure you can checkout as fast as possible by having all your faves saved in one place.

5. Save Your Details

Ensure your account details are saved to make for a quick and easy checkout experience.

6. Set A Budget

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We know it can be hard to not get carried away when faced with unmissable discounts but be sure you only spend what you’ve budgeted for this Black Friday & Cyber Monday. Set a budget and actually stick to it.

7. Make A List

Finally, if you’re hoping to shop ALL the sales this Black Friday why not make a list so you can tick off your purchases as you go? Christmas party outfit, Christmas gifts for your loved ones, new in winter coat that you can’t stop thinking about… Tick them off as you go.

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