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Most valuable old unwanted tech that could earn you £450 in time for Christmas

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Most valuable old unwanted tech that could earn you £450 in time for Christmas

MILLIONS of UK homes are full of unwanted tech that could be turned into much-needed cash for the festive season

With Christmas fast approaching and many Brits feeling the pressure to keep their festive spending in check, an easy way to make some extra cash could be sitting right under your nose.

By recycling old tech, Brits could make up to £450 this year

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By recycling old tech, Brits could make up to £450 this year

According to new research, you could make up to £450 by recycling unwanted devices like phones, laptops and tablets, all just in time to help cover the cost of gifts, decorations, and festive days out.

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Virgin Media O2’s recent study reveals that 68% of Brits are keen to recycle their old tech for cash, with a large number ready to sell unused consoles or smartphones.

With nearly half of the population expecting their Christmas spending to exceed last year’s, this presents a fantastic opportunity for anyone looking to boost their holiday budget.

On average, households in the UK have four unused devices lying around, according to Virgin Media O2.

Read more on selling tech

The mobile provider has shared which gadgets can get you the most money through its recycling pay-out scheme, adding up to a tidy £446 if you have them all.

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Here’s a breakdown of what you could make for popular tech items through O2 Recycle:

  • Smartphones: £136.46
  • Tablets: £144.52
  • Consoles: £80.16
  • Laptops/MacBooks: £205.17
  • Earbuds: £53.52
  • Wearables/Smartwatches: £81.36

This means that a couple of devices could see you pocketing a decent sum to spend on your festive celebrations.

If you have a few devices lying around that you no longer use, it’s worth getting them appraised and exchanging them for some much-needed cash.

I make £93,000 a year selling charms – here’s how you can rake in the cash too & you should ditch selling on Etsy

With 02’s recycling scheme you will receive cash to recycle your old devices but you can also opt for credit to put towards a new device.

To do it you just have to register by searching for your device on the O2 Recycle website and adding it to your basket.

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Make sure you prepare your device by deleting any personal data, removing the SIM or memory card.

You can then send off your device by booking a courier for pickup or taking it to the Post Office.

Once O2 receives and assesses your device, you’ll receive payment—either credited to your O2 account or paid via BACS or cheque.

Whilst this scheme is great to get some cash out of your old tech junk, it’s not the only way to get paid for recycling your old tech.

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You could also consider selling old tech to websites such as Decluttr, musicMagpie or Tech2Cash.

These websites allow you to trade in old-gadgets in exchange for cash, you can also rank your quotes by how much the recycler will pay.

For those who prefer to go in store, stores such as CEX or Game allow you trade in devices in store in exchange for cash or even store vouchers which can be handy when buying new gadgets.

TOP TIPS

If you’re wondering how to get the best price for your unwanted tech, here are some top tips:

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Always compare prices

Don’t settle for the first offer you get.

Use websites like Compare and Recycle to check what different companies are offering for your devices.

The difference in price can be as much as £87, so it pays to shop around.

Condition Matters

The better condition your gadgets are in, the higher the payout.

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Take good care of your items before selling them, and be honest about their condition to avoid a lower pay-out when the company inspects them.

Sell Smart

Whether you opt to use online platforms like eBay or Facebook Marketplace, or kiosks like ecoATM, you can often get a better deal if you’re willing to put in a little more effort.

Just make sure you compare quotes first.

Take Advantage of Cashback

Some platforms, like TopCashback and Quidco, offer bonus cashback when you sell your tech through specific services.

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This is a great way to get a little extra money for your gadgets.

DON’T MISS OUT

Tech depreciates quickly, so it’s best to sell your old devices sooner rather than later.

According to experts at Compare and Recycle, devices like iPhones can lose up to 20 per cent of their value within just three months of a new model’s release.

The sooner you sell, the better your pay-out.

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From old smartphones and laptops to game consoles and wearables, there’s no shortage of gadgets just waiting to be turned into cash.

So, why not dig through those drawers, collect your unwanted devices, and sell them for extra cash this Christmas?

With up to £450 potentially waiting for you, this could be the easiest money you make in time for the festive season.

Meanwhile, if you’re considering other ways to make money, you might want to start a side hustle.

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This supersaver managed to put £20,000 away thanks to shopping smart and side hustles.

Elsewhere, an expert reveals three easy ideas that can earn you £5000 before Christmas – including a side hustle that requires no effort.

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I tested supermarkets own-brand Digestives – winner was more than £1 cheaper than McVitie’s & I couldn’t tell difference

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I tested supermarkets own-brand Digestives - winner was more than £1 cheaper than McVitie's & I couldn't tell difference

IF you feel like you are getting a crumby deal on big-name biscuits, you’d be right.

A packet of McVitie’s Digestives has shrunk by as much as 28 per cent since 2014, despite prices rising by 129 per cent over the past decade.

Laura Stott tested supermarkets own-brand Digestives against McVitie's

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Laura Stott tested supermarkets own-brand Digestives against McVitie’sCredit: Damien McFadden

So could the supermarket versions offer better value?

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It’s crunch time as Laura Stott tries the own-brand digestives.

Aldi Belmont Digestives – 29 biscuits, 400g, 57p

Aldi's digestives are a great dupe and over a pound cheaper than McVitie's

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Aldi’s digestives are a great dupe and over a pound cheaper than McVitie’sCredit: Damien McFadden

IN true Aldi dupe style, the packet looks very like the McVitie’s one, which costs over a quid more.

But put these in a biscuit tin and it’s doubtful anyone will notice the difference.

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And you get the most biccies per packet too.

Rating: 5/5

Tesco Digestives – 28 biscuits, 400g, 70p

Tesco's version will fall apart before you can dunk them in your cuppa

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Tesco’s version will fall apart before you can dunk them in your cuppaCredit: Damien McFadden

THESE looked the part, but tasted disappointing and the texture is too dry.

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The packet claims the biccies are crumbly and crunchy.

Instead they tasted dusty, with a few falling apart before I had a chance to dunk them in my cuppa.

Rating: 1/5

M&S Digestives – 25 biscuits, 400g, 80p

The M&S version are still good value compared with McVitie’s

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The M&S version are still good value compared with McVitie’sCredit: Damien McFadden

WHILE pricier than other super- market versions, these deluxe digestives from M&S are still good value compared with McVitie’s.

Sweeter than some on test but in a rich, mellow and smooth way.

Extremely tasty.

Rating: 4/5

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Lidl Tower Gate Digestives – 26 biscuits, 400g, 57p

Lidl's version is cheap without compromising on flavour

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Lidl’s version is cheap without compromising on flavourCredit: Damien McFadden

A GREAT value option from Lidl without compromising on flavour – they taste rich and sweet.

They also held up well during a cup-dunk.

But a shame there were fewer in the pack than many other own-brand offerings.

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Rating: 4/5

Sainsbury’s Digestives – 28 biscuits, 400g, 70p

Sainsbury's version had a milky and nice malty aftertaste

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Sainsbury’s version had a milky and nice malty aftertasteCredit: Damien McFadden

WITH a darker colour, these had a more wholesome flavour and were thick, offering a good crunch.

The biccies also had a milky and nice malty aftertaste and paired well with a cuppa.

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A quality product at a great price.

Rating: 3/5

Asda Digestives – 27 biscuits, 400g, 70p

Asda's offering tastes great and they smell good too

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Asda’s offering tastes great and they smell good tooCredit: Damien McFadden

A GREAT-value offering with plenty to go round.

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Sweeter than others on test, with an orangey hue and not very chunky, but the taste still hit the spot.

These also had a lovely aroma too, which made it hard to stop at just one.

Rating: 3/5

Morrisons Digestives – 27 biscuits, 400g, 70p

Morrison's digestives are thicker than some of the others, adding a pleasant texture

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Morrison’s digestives are thicker than some of the others, adding a pleasant textureCredit: Damien McFadden

A GOOD ratio of crumble to crunch that stood up well in the cuppa dunk.

The flavour was pleasant too – not overtly sweet and with plenty in the packet.

These were thicker than some of the others, adding a pleasant texture.

Rating: 3/5

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McVitie’s Digestives – 24 biscuits, 360g, £1.80, Tesco

McVitie's digestives cost over £2 and have less biscuits in the packet

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McVitie’s digestives cost over £2 and have less biscuits in the packetCredit: Damien McFadden

AT well over a £1 more per packet than most supermarket versions, there are also fewer biccies, with only 24 inside.

They are enjoyable – but ­paying nearly two quid for them left a rather bad taste.

Rating: 2/5

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‘Keep an eye out’ warns shopper after bagging garden chair scanning for £22 instead of £215

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'Keep an eye out' warns shopper after bagging garden chair scanning for £22 instead of £215

A SHOPPER has warned people to “keep an eye out” after they bagged a garden chair that was reduced by 90%.

Lucky saver Christina shared her bargain in a post on Facebook after finally receiving delivery of the rocking seat.

Christina shared the deal in a post on Facebook

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Christina shared the deal in a post on FacebookCredit: Facebook
The chair had been reduced from £214.99 to just £21.99

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The chair had been reduced from £214.99 to just £21.99Credit: Facebook

The Maya Mango Rocking Chair she purchased had been reduced by a whopping 90%.

Instead of its regular retailing price of £214.99, Christina managed to nab it for just £21.99.

It had been listed on retail site Studio, which is owned by the Frasers Group alongside Sports Direct and House of Fraser.

Christina’s post on Facebook group Extreme Couponing and Bargains UK read: “Studio bargain.

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“Took about a week to arrive.

“I’ve seen it go in and out of stock.. keep an eye out.”

More than 100 users were quick to comment underneath the post, desperate to grab the deal for themselves.

One said: “I want one of these for my bedroom.”

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Another added: “I have one so comfy would recommend it.”

Others tagged their friends and family saying “keep an eye out for me please.”

Items to always buy at Lidl

One unlucky shopper, however, had the misfortune of buying the item at a much higher price just weeks before.

They said: “Oh my gutted, I bought this 4 weeks ago at 100 quid.”

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Since Christina’s post, however, the item has now disappeared from Studio‘s website, indicating it may now be out of stock.

However, Christina added that while it’s not currently showing, it “keeps coming back and going again” like many other items at the moment.

This means there may be hope it returns at its major discount soon.

Studio is currently running a warehouse closing down sale, where it offers up to 90% off countless products.

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It always pays, however, to compare prices so you know you’re getting the best deal.

There are countless other garden chairs listed online but many cost much more money.

The cheapest rocking garden chair we could find is currently listed at £45 from IKEA.

However, if you want one that looks most similar to the Studio product, Temu currently has a chair priced at £101.

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Prices can also vary day to day and by what deals are on at the time, plus remember you might pay for delivery if you’re ordering online.

You can compare prices on platforms like Google Shopping.

How to bag a bargain

SUN Savers Editor Lana Clements explains how to find a cut-price item and bag a bargain…

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Sign up to loyalty schemes of the brands that you regularly shop with.

Big names regularly offer discounts or special lower prices for members, among other perks.

Sales are when you can pick up a real steal.

Retailers usually have periodic promotions that tie into payday at the end of the month or Bank Holiday weekends, so keep a lookout and shop when these deals are on.

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Sign up to mailing lists and you’ll also be first to know of special offers. It can be worth following retailers on social media too.

When buying online, always do a search for money off codes or vouchers that you can use vouchercodes.co.uk and myvouchercodes.co.uk are just two sites that round up promotions by retailer.

Scanner apps are useful to have on your phone. Trolley.co.uk app has a scanner that you can use to compare prices on branded items when out shopping.

Bargain hunters can also use B&M’s scanner in the app to find discounts in-store before staff have marked them out.

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And always check if you can get cashback before paying which in effect means you’ll get some of your money back or a discount on the item.

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Wealthy millennials, Gen Z are redefining philanthropy

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Wealthy millennials, Gen Z are redefining philanthropy

Solstock | E+ | Getty Images

A version of this article first appeared in CNBC’s Inside Wealth newsletter with Robert Frank, a weekly guide to the high-net-worth investor and consumer. Sign up to receive future editions, straight to your inbox.

Wealthy millennials and Gen Zers are redefining the world of charitable giving, seeing themselves more as activists than donors, according to a new study.

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Wealthy donors under the age of 43 are more likely to volunteer, fundraise and act as mentors for charitable causes rather than just give money, according to a new survey from Bank of America Private Bank. The survey of more than 1,000 respondents with more than $3 million in investible assets also found that young philanthropists want more public attention for their giving compared to Gen Xers and baby boomers.

The shift in the way the next generations give, as well as the causes they favor, is likely to remake the charitable landscape. Rather than simply writing checks to causes they care about, the next generation of givers wants to be deeply involved in trying to fix the biggest social and environmental problems.

“They view themselves as holistic social change agents,” said Dianne Chipps Bailey, managing director and national philanthropic strategy executive for philanthropic solutions at Bank of America Private Bank. “I think they have a better sense of agency in this world. They’re really looking to move their capital in a much more comprehensive robust way to achieve their social impact goals.”

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Both younger and older multi-millionaires are highly charitable. According to the study, 91% of the respondents had given to charity in the past year. More than two-thirds of both older and younger respondents said they are motivated by “making a lasting impact.”

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Yet their reasons for giving and their methods vary widely by age. Donors under the age of 43 are slightly more likely to volunteer and are twice as likely to help raise charitable donations from friends or peers rather than just giving directly. They’re  more than four times as likely to act as mentors. And they’re more interested in serving on nonprofit boards rather than limiting their contributions to capital.

Older donors give from of a sense of responsibility. Those over the age of 44 were more than twice as likely to give due to “obligation” than younger donors. Those under 43 were more likely to cite self-education and the influence of their social circle as drivers of their philanthropy.

Some of the differences between generations may be rooted in life cycles and wealth. The younger wealthy are still building their fortunes and inheriting their wealth, so they’re more likely to give their time and help fundraise. Still, Bailey said the focus on peer networks and activism will likely endure even as they get older and wealthier.

“You can think of philanthropy as the five T’s – time, talent, treasure, testimony and ties,” she said. “The older generation is focused on the treasure (giving funds). The younger generations are leaning into the other four.”

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The young wealthy also support different causes. They’re twice as likely to support efforts related to homelessness, social justice, climate change and the advancement of women and girls. Philanthropists over 44 were far more likely to support religious organizations, the arts and military charities.

“When you think about what [the younger generation] has been through in recent years, 2020, where they saw it all exposed, they’re leaning into the response,” Bailey said. “And it’s sustained. So many people move their giving with the headlines, but they’ve really dug in deeply. It’s not a moment but a movement.”

The implications of the generational shift in giving will be profound for wealth advisors and nonprofits, advisors say. Since many younger donors inherited their wealth, they’re far more likely to use giving vehicles created by their family. They were more than four times more likely to use charitable trusts, family foundations and donor advised funds.

Bailey said the next generation wants to talk about philanthropy as part of an initial discussion with a wealth advisor — even before talking about their investment plan.

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“They have a hunger to know more, to learn more about philanthropy,” Bailey said. “They’ve already got these complex [giving] vehicles at the ready, so the education piece is critical both for nonprofits and for the advisors.”

With charity increasingly dominated by wealthy donors, and with the next generations expected to inherited over $80 trillion in the coming decades, courting the young rich will be critical.

“You need their perspective and you’re going to need their money,” Bailey said.

Advisors to the young rich also need to be generous with their praise. Younger donors are more than three times more likely to gauge the success of their philanthropic efforts by public recognition, according to the survey. Nearly half say they are likely to associate their names with their philanthropic efforts, while more than two-thirds of older donors give anonymously.

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“Praise them, celebrate them, give them visibility,” she said.

Just don’t call them “philanthropists.” A report from Foundation Source found that 80% of young donors want to be seen as “givers,” while 63% also like the terms “advocate” or “changemaker.” Only 27% accepted the label of “philanthropist.”

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The Sun launches interactive tool to check benefits – see if you get winter fuel payments or pension credit this winter

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The Sun launches interactive tool to check benefits - see if you get winter fuel payments or pension credit this winter

TODAY, The Sun launches a free tool to help you check whether you will get the Winter Fuel Payment this year. 

The free benefits checker is in partnership with poverty charity Turn2Us. It quickly tells you if you’re missing out on any cash.
If you are unable to access the internet you could ask a friend or relative to help you do the check. 

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We were flooded with calls and emails earlier this week, with many readers asking whether they were entitled to pension credit or other benefits.

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In her July statement, Chancellor Rachel Reeves announced that this winter only households in England and Wales that receive Pension Credit or certain means tested benefits will be entitled to the Winter Fuel payment. 

Previously it was available to everyone aged over 66.

New government figures estimate that 770,000 pensioners are at risk of missing out this winter. 

The benefit, which is worth up to £300, unlocks a host of other awards including a free TV licence and cheaper water bills worth up to £3,900. 

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Michael Clarke, from Turn2us: “It’s crucial that people are supported by friends and family to check they are getting all the support available to them. 

“In just 10 minutes, the Turn2us Benefits Calculator will tell people if they are eligible.”

You will need some personal information to hand about your current income, including state and private pensions, and any benefits you currently receive. 

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If you are eligible to apply for Pension Credit you can call the DWP helpline on: 0800 99 1234

When you claim you will need your national insurance number and details of any savings and investments, plus information on housing costs such as mortgage interest, service charges or ground rent. 

You must lodge a claim by December 21 to get the Winter Fuel Payment this year.

FIX YOUR ENERGY BILLS?

If you’re not on a fixed tariff then it may be worth considering one. Many of the top fixed tariffs are now cheaper than the price cap and could save you money. You can compare tariffs using uSwitch.com or Moneysavingexpert.com. 

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WARM HOME DISCOUNT 

The Warm Home Discount is £150 one-off payment towards electricity bills. You will usually get it automatically – but you need to apply if you’re on a low income in Scotland.
You should check with your energy supplier if you’re on a low income and think you are eligible. 

HOUSEHOLD SUPPORT FUND

You can apply to your local council for help if you’re on a low income. Search the name of your local council and ‘household support fund’ to find out details on how you can apply. Eligibility criteria and the amount you will get varies based on where you live – but some households have got up to £500.

ENERGY GRANTS

Many of the UK’s biggest energy suppliers have grants in place to help struggling customers. For example, British Gas offers grants of up to £2,000. .
Ask your supplier if there is anything they can offer
FREE INSULATION OR BOILERS 

You may be able to get free or cheap insulation to help reduce your home’s energy bills. Check here: https://www.gov.uk/apply-great-british-insulation-scheme

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GET FREE DEBT HELP

THERE are several groups which can help you with your problem debts for free.

  • Citizens Advice – 0800 144 8848 (England) / 0800 702 2020 (Wales)
  • StepChange – 0800138 1111
  • National Debtline – 0808 808 4000
  • Debt Advice Foundation – 0800 043 4050

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Martin Lewis issues warning to anyone aged under 22 – do you have £2,000 in a forgotten account?

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Martin Lewis issues warning to anyone aged under 22 - do you have £2,000 in a forgotten account?

MARTIN Lewis has issued a warning to anyone under 22 who could have £2,000 sitting in a forgotten account.

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.

Martin Lewis has issued a warning to anyone under 22

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Martin Lewis has issued a warning to anyone under 22Credit: Rex

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The Money Saving Expert said on X that those aged 22 and under could have the Child Trust Fund set up and access it for free.

But he also warned that some firms are attempting to charge individuals to “get your own money” – but Lewis says “don’t pay.”

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.

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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.

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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.

Moment Martin Lewis slams ‘you’re taking money from UK’s poorest pensioners’ in fiery clash with cabinet minister on GMB

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.

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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.

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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.

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LOST CASH

By Charlene Young, pensions and savings expert at AJ Bell

MANY parents and children aren’t aware they even have the account, or don’t know who the money is with or how to track it down.

More than a quarter of CTF accounts were set up by the government because parents failed to do so within the 12-month window.

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This highlights why so many are unclaimed – as the parents either weren’t aware or won’t remember that an account was even set up for their child, let alone where the money is now.

Any child born between 1 September 2002 and 2 January 2011 who hasn’t already got details of their account should track it down.

Once you’ve tracked down the money you can choose what to do with it. Your options are to transfer it to an adult ISA or withdraw the money. Until then your money will just sit in an account that no one else has access to, possibly paying very high charges.

Anything you transfer to an adult ISA at maturity will not count towards your annual ISA allowance, which is £20,000 for over 18s.

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For many young people who have CTFs but are still under 18, it will make sense to transfer it to a Junior ISA, where the charges will likely be lower, and you’ll have a much bigger investment choice.

The money will still be locked up until you turn 18, but the tax-free benefits of ISA investing still apply. You can transfer the entire CTF into a Junior ISA and still add up to £9,000 to it in the same tax year.

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. 

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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.

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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.

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CPI data to drive 'favorable impact' on Bitcoin prices — 21Shares

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CPI data to drive 'favorable impact' on Bitcoin prices — 21Shares


Consumer prices in the US rose by 2.4% in September, above market expectations but still in a negative trend compared to the past few years.



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