MILLIONS of hard-up households will receive a key energy bill discount worth £150 starting in just days and it’s available even if you’re not on the state pension or get pension credit.

The Warm Home Discount (WHD) is a £150 cut to your electricity or gas bill and is applied by your energy supplier once a year.

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In most cases those who qualify will receive the reduction automatically and do not need to apply.

If you live in England and Wales you will be eligible if you get the guaranteed credit element of pension credit or are on a low income and have high energy costs.

The scheme could provide a lifeline to millions this winter after the Government last month cut the number of households that will receive Winter Fuel Payments.

The scheme is administered by the Department for Energy Security and Net Zero, which will contact households who qualify for the discount by post between October and December.

These letters will let customers know that they are eligible for the discount and when the deduction will be applied.

If you think you are eligible for the scheme but have not received a letter by early January then you should check your energy account to see if it has been credited by £150.

If you have not been sent the cash then you should contact the Warm Home Discount helpline.

The phone number will be available via the Government’s website from next month.

You have until February 28, 2025 to contact the helpline depending on what qualifying criteria you meet.

But it is best to call before this date to make sure you do not miss out on the payment.

What is the Warm Home Discount?

The Warm Home Discount is usually applied between October and March as credit on your account, but this will depend on how you pay for the energy you use.

Usually the £150 is deducted from your electricity bill but if you have a dual fuel tariff then you can also get the money off your gas bill.

If you have a credit meter, your Warm Home Discount will be credited directly to your account.

Once it has been applied it will show on your next bill.

If you are a prepayment meter customer you will receive the voucher in the post with instructions on how to redeem it at your local Post Office.

If you are eligible then your energy supplier will apply the discount to your bill by March 31, 2025.

How do I qualify for it?

To qualify for the credit, households in England and Wales must fall into one of two categories – “core group 1” and “core group 2”.

Core group 1 is for customers who receive the Guarantee Credit element of Pension Credit and will be identified by the Department for Work and Pensions (DWP).

Meanwhile, core group 2 is made up of households who receive certain means-tested benefits or tax credits and have a “high energy cost score”.

This is based on the type, age and size of your property and is assessed by the Government.

The benefits that put you in core group 2 are: 

• Housing Benefit
• Income-related Employment and Support Allowance (ESA)
• Income based Jobseeker’s Allowance (JSA)
• Income Support
• The “Savings Credit” part of Pension Credit and Universal Credit

If you were not claiming any of these benefits on August 11, 2024 then you will not be entitled to the payment.

You may also be eligible if your household income falls below a certain threshold and you get tax credits.

If you do not fall into these groups then you need to apply directly via your energy supplier.

When will I receive the discount?

The dates that you will receive the reduction will depend on your energy supplier and when it is notified that you are eligible.

Ovo Energy will aim to pay the discount by the end of December or within six weeks of being told by the government which customers are eligible at the beginning of October.

But a select number of customers could be paid between January and the end of March if it takes longer to confirm that they qualify.

British Gas and Scottish Power have said that they will make all payments by March 31, 2025 at the latest.

EDF said that it will try to provide customers with their rebate by February 28, 2025.

All payments will be made by the end of March 2025.

What other help is available?

If you do not qualify for the Warm Home Discount then you may be able to get help with your bills through the Household Support Fund.

Last month the fund was extended to next spring and a further £421 million was added to the pot, which has been shared between councils in England.

It is up to each council how they allocate their portion, which means that how much you get and whether you are eligible will depend on where you live.

If you are on benefits, have a low income or are classed as vulnerable then you are likely to receive the help.

Contact your local council to see what help is on offer.

There is a tool on the Government’s website to help you find which council area you fall under.

You may also be able to get a grant on your energy bills if you are in debt.

Several energy firms including British Gas, Octopus Energy and Ovo offer up to £2,000 to help customers.

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

A SWANKY new £3.5 million Wetherspoons pub has opened in a town perhaps too posh to handle it – as locals warn punters they “better behave”.

The discount boozer chain’s latest branch – The Grand Assembly in Marlow, near High Wycombe – is welcoming its first customers today.

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The name – apparently an attempt to ingratiate itself with wary naysayers – was settled upon after a few false starts, including The Brass Thimble.

It’s a nod to the assemblies held by the upper social classes in the nearby Market House building in centuries gone by.

The Sun headed down for the opening day.

The pub’s aptly named for the few punters who queued at 8am for the not-so grand opening – though it soon filled up inside.

MIXED RESPONSE

Outside there was something of a mixed response to the idea of a popular chain gracing the town’s streets.

Judy Evans said: “Marlow is a village so we don’t like the very big brands – we like the independents.

“The breakfast you’re going to get in the Wetherspoons is going to be like £2 but it’s the quality and it’s the local people you’re supporting.”

She pointed across the road to The Ship – believed to be the town’s oldest pub, built around 1412 – as an alternative because “we want to be supporting our locals”.

The Ship has survived bigger threats to its existence – namely The Plague and The Spanish Flu.

But it has itself modernised, including showing live sport and launching a ‘Cocktail Lab’ to help bring in the modern punters.

Sales manager, Judy, 50, went on to say that Marlow – neighboured by the likes of Maidenhead and Slough – is a “bit of a destination place”.

“We are a bit concerned that come Friday and Saturday nights we’re gonna get a lot more of those tourists coming in, other people coming into Marlow.”

She said that some Wetherspoons pub “don’t look so nice, it’s so big, so vast”, adding: “It will be interesting to know if it builds any kind of atmosphere.

“I’m worried about it affecting the local community, local businesses, local coffee shops. That’s my main concern.

“I’ve never been to one, I won’t be a regular, I’ll stick to The Ship.”

Retiree Hannah Wallis, said she worries the new pub will be “noisy and horrible at night time”.

“What sort of people are going to be there? I am just worried,” continued the 90-year-old.

“We will have to wait and see won’t we? Worried about a lot of louts and drunken men creating havoc and that sort of thing, that’s it.

“It’s just the sort of clientele it might attract.”

However, Hannah said she celebrates the idea of it being “more diverse”, adding: “Just so long they know how to behave themselves.”

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Tony McHale, a former EastEnders writer, is a regular visitor to Marlow and said he is concerned about the pub attracting too many students into the quaint town.

“I don’t want this to be disparaging, I have used Wetherspoons, it’s used to being a student environment and Marlow isn’t a student sort of town,” he said.

“I think there are plenty of other places around in Wycombe that provide that type of hostelry, if that’s the word.

“It’s not a university town – I don’t think it’s an appropriate place.”

Tony, 74, wrote some of the BBC soap’s most explosive story lines between 1985 and 1999.

He was actually under the impression the new pub hadn’t opened.

“Oh, has it opened ugh – I thought it had been blocked!” he said.

“I think it’s a shame, you could put one in High Wycombe but not here.

“What I do think is a shame is here you have a lot of individual shops, stores, eateries and things like that, I think it’s great these places still exist when you go down most high streets.

“Here at least there’s a difference in choice but I don’t think this is necessary.”

Tony said locals “might be worried the rot might set in, if you start with Wetherspoons”.

“What happens next, a different sort of chain – it suddenly becomes like most city centres and most of them are dying.

“This seems to be thriving as it’s individual. It’s [got its] own identity. Okay, you’ve got The Ivy but they sort of blend in, they don’t stick out.

“I do think it will be a shame. Maybe we are prejudging it. Only time will tell. At least it’s not smack in the middle of the high street.”

Got a view on the new pub? Email charlotte.bend@thesun.co.uk

However, in contrast, Dean Kirby, who claims to have set up the first internet café in the UK, is keen to see how the new arrival does.

The entrepreneur, 60, said he is “always interested in concepts and how they work in the retail world”.

He went on to say there’s “a lot of snobbery” in the town but he thrives on the competition.

“I’ve been living in Marlow for 15 years, a lot of people think it’s going to bring it down.

“A lot of other retailers round here are sloppy, awful, that’s what it’s all about, the competition.

“There are a lot of retailers on this high street that need to buck their ideas up.”

Dean said the town is unique with a “dynamic of two high streets in one” with the daytime and night-time businesses.

“During the day it is very nice, gentrified and you feel safe. At night it’s a night time beast, late time opening.

“The Ship has a one o’clock licence now, Wetherspoons does too.”

He added: “Wetherspoons can’t drag it down, that’s there already. When you’ve had a skinful of wine or beer… it is what it is.”

STRIKING DECOR

Inside the pub, at the top of the High Street, is a mash up of historical town references, including a mirror display inspired by author Mary Shelley, who wrote classic novel Frankenstein while living there in 1817.

A smattering of middle-aged men were quickly munching on full English breakfasts, accompanied by a pint.

But there were also groups of young women, and couples on dates.

Many others – not brave enough to enter – marvelled through the rectangular windows.

With a strikingly bold carpet that clashes with a variety of chairs, the site has been adorned with Union Jacks and chandelier-like lamps.

The military theme has been joined with paddles on the walls, an old grandfather clock, white markings that resemble mountains on the mirrors and exposed brickwork.

With no music playing, the murmurs of first-time attendees could be heard, their whispers occasionally being defeated by the sound of cutlery against plates and ice from across the room.

The vast hall goes far back, and every nook and cranny has been built into.

With padded chairs below turquoise paint, bar stools facing a glass cabinet, as well as the main space filled with tables of four and the carpet ending within metres of the front entrance, the room seems confused.

One woman just walked past saying “it’s a bit of a tight squeeze” as she navigated through the rows of furniture.

Manager Rachel Turner is hopeful the refurbishment will win over the doubters.

“People seem more excited about it than anything else – after the build-up, I’m just looking forward to it being a normal pub,” she told Bucks Free Press.

Bar staff Ben and Callum, who live just down the road and have been busy training for the opening over the last few weeks, have a similar view.

Callum likened the hesitancy of some locals to accept the chain to Lidl’s replacement of Waitrose on Liston Road in 2022.

He said: “People think of Marlow as quite high echelon and they said, ‘Oh no, we don’t want that here’. But when they actually saw it for what it was, no one seemed to mind.”

A Wetherspoon spokesman told The Sun: “Wetherspoon is delighted to have opened in Marlow.

“Our pubs are popular across the UK and Ireland and we believe that this will be the case in our Marlow pub.

“Wetherspoon has shown its commitment to the town with its investment of £3.5 million and creation of 60 new jobs.

“The company’s pubs are well regarded and run to the highest of standards.”

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A MAJOR US fast food chain has confirmed the exact locations of its first UK restaurants, The Sun can reveal.

American fast food giant Chick-fil-A is crossing the pond and bringing its beloved chicken sandwiches to our high streets next year.

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The Sun can exclusively reveal the exact locations of their first five UK restaurants.

Chick-fil-A operates more than 3,000 sites across the U.S., Puerto Rico and Canada.

As part of its UK-wide expansion, the fast food chain has confirmed that it will open two restaurants in Belfast and single sites in Leeds, Liverpool, and London.

The sites will open over two years starting in 2025, and Chick-fil-A has now opened applications for those wishing to take on a franchise.

The brand’s initial expansion into the UK will create approximately 400 new jobs.

Anita Costello, chief international officer at Chick-fil-A, Inc, told The Sun: “Serving communities is at the heart of everything we do, and we look forward to bringing Chick-fil-A’s delicious food and signature hospitality to Belfast, Leeds, Liverpool and London, and continuing our long-term investment in the U.K.

“From job creation to supporting local causes, we are excited about the positive impact our first restaurants will have in the communities they serve.”

We’ve already had a first taste of what will be on the menu when the first store opens next year.

Several signature items, including the chain’s most popular menu item, the original Chick-fil-A chicken sandwich, nuggets, and waffle fries, will be venturing across the pond.

The brand’s expansion into the UK will also bring tasty but unfamiliar options not commonly available in the UK, including savoury biscuits and ranch-flavoured dipping sauces.

Chick-fil-A’s UK-based restaurants plan to serve chicken sourced from the UK and Ireland, along with 100% free-range eggs from welfare-certified farms.

For now, eager fans of the chain will need to hold tight to find out exactly what will be served in its UK restaurants.

Ahead of its high street launch, The Sun visited the company’s headquarters in Atlanta to find out what the fuss is all about.

Chick-fil-A is a family-run business that operates a franchise-style system.

Anyone can apply to operate a restaurant, and applications for potential franchisees wishing to open a UK restaurant are now open.

However, Chick-fil-A’s model differs from other fast food chains we know in the UK – like McDonald’s, KFC or Burger King – as franchisees don’t own the sites themselves.

Franchisees – or operators, as they are known – run the businesses daily, but Chick-fil-A owns the rest, including the brick-and-mortar site.

This means the company owns the actual restaurant, while the franchisee operates the business on their behalf, resulting in a smaller outlay and less risk for operators.

In the US, the initial franchise agreement costs just $10,000 (£7,932), while a McDonald’s franchise typically costs between £350k and £1,85 million in the UK.

Chick-fil-A also only lets its operators run up to three stores, and the majority of them only run a single location.

With other fast food chains, you can run several at once and even build a mini-empire, though that requires significant investment.

Like in the US, each UK restaurant will be able to participate in Chick-fil-A’s Shared Table programme.

This initiative redirects surplus food from Chick-fil-A restaurants to local soup kitchens, shelters, food banks, and non-profits in need.

Joanna Symonds, head of UK operations, said: “We’ve always cared about the impact of our restaurants on the local communities that we serve, and we strive to positively impact areas throughout the UK”

US FAST FOOD EXPANSION INTO THE UK

Chick-fil-A is not the only US fast-food chain to have taken a leap across the pond in recent years.

In July, Dave’s Hot Chicken announced plans to open 60 restaurants across the UK and Ireland.

Popeyes entered the UK market in 2021 and has proved to be a hit with ravenous customers ever since.

In just 30 months, the brand opened over 38 restaurants across the UK.

It has plans to reach the 60-restaurant milestone by the end of 2024.

US burger chain Wendy’s, which already has 31 sites in the UK, will also cut the ribbon on eight new locations this year.

The chain returned to the UK high street in 2021 after a 20-year hiatus.

Wendy’s is most famous for its square-shaped hamburgers, designed to maximize the amount of meat in every bite.

Shake Shack, which started out as a hotdog cart, recently opened its first restaurant inside a UK train station.

Brits commuting in St. Pancras International Station can now grab their favourite burgers before jumping onto their train.

The new spot marks the fast food giant’s 16th location in the UK since it was launched in Covent Garden in 2013.

While most of Shake Shack’s UK sites are based in London, bosses have expanded into other locations in recent years, including Essex, Oxford, and Cardiff.

Shake Shack’s humble beginnings trace back to a New York hot dog cart helmed by Randy Garutti.

Wingstop currently operates 39 sites across the UK and will open 15 more in 2024.

Lemon Pepper Holdings, which runs the fast food chain’s UK portfolio, said the move would create up to 750 jobs.

The US hospitality brand said it is its biggest year of expansion since launching Wingstop in the UK six years ago.

Dunkin’ Donuts, which currently has 30 stores in the UK, hopes to open 30 new branches over the next couple of years as part of a major expansion plan.

Dunkin’ Donuts landed in the UK in St John’s in Liverpool in May 2016.

The chain is huge in the US, with almost 9,500 stores spread across the country.

It sells a range of doughnuts, other sweet treats, and hot and cold drinks.

HOPES that the much-loathed business rates system would be totally ditched in new reforms were dashed by the Government yesterday.

Exchequer Secretary James Murray confirmed at the Labour conference that any fresh system would still aim to raise the same sum of money from firms.

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Speaking of the overhaul, the Ealing North MP — who has responsibility for the rates — told a British Retail Consortium fringe event in Liverpool: “It’s within the current envelope. It’s all about raising the same amount of money overall, that’s the commitment.”

The Treasury is expected to collect £30billion in the next year from unavoidable business rates — of which retail will pay around £8billion, some 11 per cent of the entire sector’s profits.

There are warnings a failure to create a fairer system will lead to 17,300 more shop closures over the next decade.

The British Retail Consortium argues that retail, as the biggest private sector employer, pays more than its fair share and should have a 20 per cent “rates corrector”.

Shop bosses have argued that rates are the biggest barrier to hiring new staff.

Nick Stowe, CEO of Monsoon Accessorize, which shut 100 shops in the aftermath of the pandemic, said: “We’re trying to convince ourselves to open in places like Durham and it’s really difficult.

We have landlords giving us stores rent-free, but rates are still so high, we can’t do it.”

Confirming he had cut staff, he added: “The knock-on effect is we’re busy trying to squeeze down things that I’m sure the Labour Government don’t want us to squeeze down.”

Matalan boss Jo Whitfield said business rates were a “real barrier” for retail and it was hard to justify keeping shops open in areas of falling sales.

She said the BRC plan for a rates corrector would “almost immediately” prompt retailers to invest in stores.

Mr Murray said Labour wanted to level the playing field between the high street and online, but the BRC called business rates a 20-year failure.

We’ll come to Wrexham

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THE Hollywood effect has trickled into the rental market — with Wrexham now the busiest UK area for tenants.

The Welsh city has boomed since Ryan Reynolds and Rob McElhenney bought its football club in 2021 and Netflix screened its Welcome to Wrexham series.

It now has 54 rental inquiries for every property, according to Rightmove. The demand is nearly three times the national average of 19 inquiries.

Glasgow is the second most in-demand city, with 52 inquiries per property, and Bristol close behind on 51.

High demand has kept average rents rising by 8.5 per cent — four times the average rate of inflation, official figures show.

Tim Bannister at Rightmove said: “To be receiving upwards of 50 inquiries per property is astonishing. It shows work still needs to be done to improve the balance of supply and demand.”

Irn Bru’s fizzed up by Euros

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THE maker of Irn Bru said its tongue-in-cheek Euros campaign had paid off, with strong sales of “Scotland’s other national drink”.

AG Barr yesterday reported it had shrugged off a soggy summer and Scotland’s early exit in the football tournament with higher sales and market share growth in England.

Its cheeky advert played on the German word for football team, “Mannschaft” and it was deemed one of the best campaigns of the Euros.

Overall, the soft drink maker posted a 5.2 per cent rise in overall sales to £221.3million, but its pre-tax profits were 10 per cent lower due to the closure of its delivery business, Barr Direct.

Euan Sutherland, the former Superdry, Saga and Co-op chief who recently took charge, said “AG Barr’s an excellent business with exciting, tangible and deliverable growth opportunity.”

Pay rise a red card

CARD FACTORY, the budget greetings retailer, has blamed the rising national living wage for a near-halving of its profits.

The chain, which has more than 1,070 stores across the UK and Ireland, reported a 43 per cent slump to £14million, despite sales rising by 3.7 per cent in the six months to July.

The firm said it had faced £64.4million of extra staffing costs compared to last year. Its value slumped by a fifth yesterday as investors dumped shares.

THE cost of fixing a blocked sink or broken boiler can now be split on Klarna’s Buy Now Pay Later scheme.

The Swedish finance firm has partnered with small business platform XERO so tradesmen can accept payments in interest-free instalments.

OVER half a million young people are thought to be missing out on an average of £2,212 which is being held in forgotten bank accounts.

Child Trust Funds are long-term, tax-free savings accounts which were set up for every child born between September 2002 and January 2 2011.

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The Government deposited £250 for every child during that time period, or £500 if they came from a low income family earning around £16,000 a year or below.

An extra £250 or £500, depending on their families’ economic status, was deposited when the child turned seven.

In 2010, this was reduced to £50 for better off households and £100 for those on a lower income.

The scheme was eventually scrapped in 2011 as part of cost-cutting measures following the 2009 financial crisis and was later replaced with Junior ISAs.

Currently, parents or friends can deposit up to £9,000 into the child’s account tax-free, with the money usually invested into shares.

The youngest children across Britian to have these accounts are about 13 years old, so have around five years before they can access the cash.

It is important to note that savings in these accounts are not held by the Government but are held in banks, building societies or other saving providers. 

The money stays in the account until it’s withdrawn or re-invested.

Young people can take control of their Child Trust Fund at 16, but can only withdraw funds when they turn 18 and the account matures.

However, new figures released by the HMRC have found that more than 670,000 18-22 year olds are yet to claim their Child Trust Fund.

The tax office said that the average savings pot is worth £2,212.

Angela MacDonald, HMRC’s second permanent secretary and deputy chief executive, said the government wants to “reunite young people with their money and we’re making the process as simple as possible.”

She added: “You don’t need to pay anyone to find your Child Trust Fund for you, locate yours today by searching ‘find your Child Trust Fund’ on GOV.UK.”

How to track down a Child Trust Fund

If you were born in the UK between 2002 and 2006 it is worth checking to see if you have cash in a Child Trust Fund.

Parents were either given a voucher to set one up or HMRC set one up on a child’s behalf.

There are a number of third party groups offering to search for Child Trust Funds but it worth noting that they will charge a fee so you might loose a chunk of your money.

The Government has a free tool you can use online to help track down your fund.

You can find this by searching for “find a Child Trust Fund” on GOV.UK.

You’ll need to have a few personal details to hand to do the search, including your date of birth and National Insurance (NI) number.

Your NI number remains the same for your entire life. It’s made up of two letters, six numbers and a final letter. 

You can find this number on your payslips or by downloading the HMRC app, which can be downloaded on the Apple or Google Play Store.

When you’re done filling this out, HMRC will then send you a letter revealing what company has your Child Trust Fund.

What to do once you have claimed the money

Usually, people put the cash straight into a bank account, invest it, or transfer it into an ISA.

You can also ask your Child Trust Fund Provider to give you the money and get it cashed into your bank account.

This way you’ll need to share the bank account details you wish to transfer the cash into with HMRC.

But if you’d rather invest it, you can transfer it into an ISA.

The Sun recently broke down whether or not an ISA is right for you, which you can read here.

ASDA shoppers are delighted after discovering a Cadbury chocolate advent calendar is selling for just 85p in stores.

The deal has been shared on the Extreme Couponing and Bargaining Facebook group and users are shocked by the reduced price.

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The advent calendar is selling in stores for 85p.

It is a Cadbury Dairy milk advent calendar, containing 24 milk chocolates in various festive shapes.

On the Cadbury website, the calendar sells for £2.25, meaning this Asda bargain is 62% discounted from the original price.

One excited member commented: “I’m going to go look for this after work”.

While another person responded: “get me one if they do have it please”.

The item is available in store and online on the Asda website for the bargain price

When we searched around, we couldn’t find an offer cheaper than this one for the same advent calendar.

On Ocado the calendar is priced at £2.25, which is still 62% pricier than Asda.

And in Poundland you can buy the calendar for £2.75, making the Asda purchase almost a 70% save.

And for shoppers looking for something a bit different, Asda’s entire advent calendar range is available online and in store.

White chocolate lovers can purchase a white chocolate Cadbury Calendar for £2, which is selling on Amazon for as much as £8.89 – meaning an entire £6.89 off your purchase.

Shoppers can also satisfy their sweet tooth at Asda with Maltesers, Milkybar, Galaxy or Terry’s Chocolate Orange options, both for the price of £2.50.

In comparison, Morrisons is selling the Galaxy Smooth Milk Chocolate Christmas for £3.25, which is 75p extra.

There is also a Swizzels Sweet Shop calendar available for £6.00, which is sold in other retailers such as Selfridges for £8.99 – meaning a £2.99 save.

Other places already offering great deals on low priced advent calendars include Poundland and Home Bargains.

Poundland sells alternative non-chocolate calendar options, such as a Hot Wheels or Christmas barbie advent for as cheap as £1.

And in Home Bargains, punters can buy a Polar Express or Grinch style calendar for £1.25.

Despite these low prices, the iconic Asda Cadbury advent was still the cheapest option we found online.

To find your nearest Asda store, use the store locator tool on the retailer’s website.

And to secure the best prices, make sure you shop around, by comparing prices in Whats New or Deals via multiple retailers’ websites.

What else is new for Christmas items in Asda?

Asda have released a full Christmas range already – from Christmas dinner items, to bakery goods, to Christmas gifts and festive drink products.

On the Asda website you can “build your own cheeseboard”, with cheeses starting from £1.95.

The Wensleydale Creamery Hot and Spicy cheddar is currently reduced at £1.95 from £2.20.

For £3.25, punters can also buy a box of 12 pigs and blankets, and 12 Golden Yorkshire Puddings for 220g.

There are also great deals on wine, where if you buy 6 bottles you save 25% off – perfect for those hosting Christmas this year.

And Christmas gift sets start from just £4.00, such as the Lynx Africa duo which is selling on the Boots website for £8 – double the price.

However, Boots is also great for gift sets, with up to 2,212 options to shop from.

For example, if you’re just looking for something small, hand cream gift sets only cost the punter £2.50 on the Boots website.

In order to get the best prices, we recommend you shop around before you buy.

To compare prices efficiently, use the “sort by” tools on each retailer’s website, so you can see the cheapest items first and surf the best deals.

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