Money
M&S: High street favourite axes ‘fabulous’ wine delivery in run-up to Christmas
SHOPPERS have been left bewildered after M&S axed a key delivery service ahead of Christmas.
Eagle-eyed customers have spotted that you can no longer buy cases of wine from the upmarket grocer’s website.
Curious fans of the service took to X, formally known as Twitter, to find out why they could no longer purchase cases of wine from its online store.
One said: “@marksandspencer Are they not selling cases of wine online anymore, I can’t find any?”.
Previously, households could order cases of six or 12 bottles of wine and get them dropped off at their house.
The retailer stocked a range of different flavours and ranges including, packs of entirely white, red or a mixed selection.
Customers loved the service, with one describing it as “absolutely fabulous” and “such a good buy”.
In reviews left on the M&S website shoppers also shared how the large selection of wine was great to order over Christmas and the festive season.
One user wrote: “Delicious, well worth the money. Ideal for Christmas dinner table.”
While another said: “Really nice wine, great value. I bought it to give out as Christmas gifts and tried a bottle.”
However, shoppers will no longer be able to purchase the cases from the retailer’s website anymore.
M&S has confirmed to The Sun that the option has been axed.
Representatives for the retailer said: “Cases of wine are no longer available on the M&S website; we do have a brand-new selection of drinks gifting online for customers sending to loved ones.
“For those looking to order wine online, please check out our offer on Ocado. When shopping in-store customers will also have a buy four save 10% offer”.
The Percy-Pig maker owns 50% of Ocado retail and uses the online grocery store to sell its food items online.
It then has a separate website, M&S.com. where customers can shop for clothing, makeup and homeware.
On the Ocado website, customers will have to add six bottles individually, they can not be purchased as a case.
The price will still be the same as what M&S charged for a case, so if you bought six bottles of a £7.50 wine it will cost £45.
If you would prefer to shop in person you can head to your nearest M&S and buy a case of wine at one of its stores.
You can find the closest one to you by visiting https://marksandspencer.com/s/communications/MSResStoreFinderGlobalBaseCmd.
It is not unusual for M&S to switch up its product ranges.
Last week, The Sun revealed its vegan range was undergoing a major revamp, which would see meat alternatives sold alongside traditional meat products.
As part of the change, products such as the Plant Kitchen Margherita Sourdough Pizza will not return to stores until January.
This has not impressed some customers with one describing it as a “terrible” idea in a Reddit post.
Earlier this year the store said it would axe some of the treats from its Colin and Connie sweet range as part of a product relaunch.
Over the summer, M&S scrapped its Colin and Connie “Together Forever” sweets.
M&S also confirmed that it is quietly axing the Colin The Caterpillar Fizzy Rainbow sweets.
The sweets were rainbow in colour with a sour sugary coating.
The retail also quietly axed its beloved pre-mixed cans of Pink Gin and Tonic, leaving customers devasted.
What else is new at M&S?
Thankfully, it is not all doom and gloom for M&S shoppers as the retailer confirmed it will bring back an iconic drink this Christmas.
The supermarket’s original snow globe gin liqueur will make a return for the holidays after a hiatus.
Previously, the gin came in two flavours – Clementine and Spiced Sugar Plum – but this year, only the Clementine one will be sold.
The store has started rolling out its entire Christmas range to shoppers, which includes hot honey over halloumi in blankets brie brulee, and Turkey Feast dip.
M&S’s food-to-order range for the holidays is also now open for online orders and collection between December 22 and December 24.
Why are products axed or recipes changed?
ANALYSIS by chief consumer reporter James Flanders.
Food and drinks makers have been known to tweak their recipes or axe items altogether.
They often say that this is down to the changing tastes of customers.
There are several reasons why this could be done.
For example, government regulation, like the “sugar tax,” forces firms to change their recipes.
Some manufacturers might choose to tweak ingredients to cut costs.
They may opt for a cheaper alternative, especially when costs are rising to keep prices stable.
For example, Tango Cherry disappeared from shelves in 2018.
It has recently returned after six years away but as a sugar-free version.
Fanta removed sweetener from its sugar-free alternative earlier this year.
Suntory tweaked the flavour of its flagship Lucozade Original and Orange energy drinks.
While the amount of sugar in every bottle remains unchanged, the supplier swapped out the sweetener aspartame for sucralose.
Money
Planners urged to ‘believe and articulate’ their value
Financial planners need to get better at articulating their value to clients, Attivo regional director Louise Barraclough has insisted.
At Money Marketing Interactive in Leeds today (24 October), she said advisers should think about where the value of their advice is for clients.
“As planners, we absolutely need to believe our value,” she said, suggesting this is the “biggest thing in this profession that we lack”.
“It’s not just enough to believe value,” she added. “We need to articulate value way before the client asks us to demonstrate it.”
Barraclough said that, to some degree, she can understand why advisers tend to “hide behind regulations” because “sometimes that’s an easy thing to do”.
However, those in financial-planning roles have a great deal of power over clients’ lives.
“The decisions that you help your clients make today don’t just impact the next year, they don’t just impact the next 10 years,” she said. “The impact extends to the next generation.”
Barraclough also suggested people often do not fully understand the difference between financial advice and financial planning.
“One of the questions I’m frequently asked is, ‘Which is best?’ The truth is, both are important, and both have a place in today’s world.
“You will all act as coaches, mentors and planners for your clients, but at some point, you’ll also need to give them advice on their investments
“This is the foundation of any financial plan.”
She said the challenge arises when a client approaches a planner for a purely transactional relationship and they try to shift that client straight into a financial planning relationship. “That’s where friction can occur.”
“Demonstrating value is often about recognising where your client is on their journey, meeting them at that point, and then guiding them through financial planning done well.”
She said the planner essentially becomes the “flight attendant” in a client’s financial life, “ensuring their comfort and safety”.
“The past few weeks have proven this,” she said. “And the next few will prove it even more. With the Budget being a hot topic, you’ll be dealing with that for sure.”
During her presentation, Barraclough urged advisers to “treat every client as a human being”.
“But,” she added, “you can take it a step further and treat each one as though they are your only client.”
Money
Supermarket giant slashes Christmas tubs to just £2.50 – it’s the cheapest around and it’s not Aldi or Tesco
A MAJOR supermarket has slashed its Christmas tub prices to just £2.50.
Cheaper than Aldi or Tesco – the offer makes this the most cost-efficient place to purchase Christmas chocolate boxes.
From October 25 to October 27, Asda customers can bag this sweet deal – but there is a catch.
Customers have to be signed up for the Asda rewards programme.
The offer is part of Asda’s Rewards Mega Event weekend, where shoppers can save more than 50% on festive favourites like Quality Street, Cadbury Heroes, Cadbury Roses, Celebrations, and Swizzels.
Normally priced at 2 for £9, Asda has cut the cost to just 2 for £5 – meaning each tub costs just £2.50, making it the best price around for stocking up on festive treats.
Read more on festive deals
Shoppers will need to download the Asda Rewards app to take advantage of this offer.
Coupons for the discount will appear in the app’s ‘wallet’ section from Friday, October 25.
To claim the deal, simply scan the coupon at the till, and your discount will be applied.
But be quick – once the weekend ends on October 27, so does this massive discount.
Asda’s Rewards Mega Event isn’t just about chocolates.
Its loyalty program allows shoppers to earn “Asda Pounds” on their everyday purchases, which can be converted into vouchers for money off future buys.
Deals on household products and cosmetics also earn Asda Pounds, boosting savings even further.
How to get the best deal
While this weekend’s deal on Christmas tubs is unbeatable, it’s always worth comparing prices to make sure you’re getting the best deal.
Ocado is currently selling the same 600g tubs for £5, while Tesco and Sainsbury’s are listing them at £6.
Morrisons is offering 2 tubs for £6, and Aldi has dropped prices to £3.89 per tub.
However, Asda’s 2 for £5 offer blows all competitors out of the water so for those wanting to get ahead of the festive rush, now’s the perfect time to stock up and save money.
Prices listed above reflect today’s prices, October 24, and are subject to change all the time.
Just because something is on offer, or is part of a sale, it doesn’t mean it’s always a good deal.
How to save money on chocolate
We all love a bit of chocolate from now and then, but you don’t have to break the bank buying your favourite bar.
Consumer reporter Sam Walker reveals how to cut costs…
Go own brand – if you’re not too fussed about flavour and just want to supplant your chocolate cravings, you’ll save by going for the supermarket’s own brand bars.
Shop around – if you’ve spotted your favourite variety at the supermarket, make sure you check if it’s cheaper elsewhere.
Websites like Trolley.co.uk let you compare prices on products across all the major chains to see if you’re getting the best deal.
Look out for yellow stickers – supermarket staff put yellow, and sometimes orange and red, stickers on to products to show they’ve been reduced.
They usually do this if the product is coming to the end of its best-before date or the packaging is slightly damaged.
Buy bigger bars – most of the time, but not always, chocolate is cheaper per 100g the larger the bar.
So if you’ve got the appetite, and you were going to buy a hefty amount of chocolate anyway, you might as well go bigger.
There are plenty of comparison websites out there that’ll check prices for you – so don’t be left paying more than you have to.
Most of them work by comparing the prices across hundreds of retailers.
For example, Google Shopping is a tool that lets users search for and compare prices for products across the web. Simply type in keywords, or a product number, to bring up search results.
Another tool is Price Spy, which logs the history of how much something costs from over 3,000 different retailers, including Argos, Amazon, eBay and supermarkets.
Once you select an individual product you can quickly compare which stores have the best price and which have it in stock.
Idealo is another website that lets you compare prices between retailers.
All shoppers need to do is search for the item they need and the website will rank them from the cheapest to the most expensive one.
How to save at Asda
Shop the budget range
Savvy shopper Eilish Stout-Cairns recommends that shoppers grab items from Asda’s Just Essentials range.
She said: “Asda’s budget range is easy to spot as it’s bright yellow! Keep your eyes peeled for yellow and you’ll find their Just Essentials range.
“It’s great value and I’ve found it has a much wider selection of budget items compared to other supermarkets.
Sign up to Asda Rewards
The savvy-saver also presses on the importance of signing up to Asda’s reward scheme.
She said: “Asda Rewards is free to join and if you shop at Asda you should absolutely sign up.
“As an Asda Rewards member, you’ll get exclusive discounts and offers, and you’ll also be able to earn 10% cashback on Star Products.
“This will go straight into your cashpot, and once you’ve earned at least £1, you can transfer the money in your cashpot into ASDA vouchers.
We’ve previously rounded up the best supermarket loyalty schemes – including the ones that will save you the most money.
Look out for booze deals
Eilish always suggests that shoppers looking to buy booze look out for bargain deals.
She said: “Asda often has an alcohol offer on: buy six bottles and save 25%.
“The offer includes selected bottles with red, white and rose options, as well as prosecco. There are usually lots of popular bottles included, for example, Oyster Bay Hawkes Bay Merlot, Oyster Bay Hawkes Bay Merlot and Freixenet Prosecco D.O.C.
“Obviously, the more expensive the bottles you choose, the more you save.”
Join Facebook groups
The savvy saver also recommends that fans of Asda join Facebook groups to keep in the know about the latest bargains in-store.
Eilish said: “I recommend joining the Latest Deals Facebook Group to find out about the latest deals and new launches in store.
“Every day, more than 250,000 deal hunters share their latest bargain finds and new releases.
“For example, recently a member shared a picture of Asda’s new Barbie range spotted in store.
“Another member shared the bargain outdoor plants she picked up, including roses for 47p, blackcurrant bushes for 14p and topiary trees for 14p.”
Money
Abrdn boosts real estate investment view for first time since 2022
REITs are currently focusing on capital raising for growth rather than balance sheet repair – a “sign of renewed confidence”.
The post Abrdn boosts real estate investment view for first time since 2022 appeared first on Property Week.
Money
Upcoming Budget ‘more than ever highlights the importance of advice’
Chancellor Rachel Reeves’ first Budget on 30 October “more than ever highlights the importance of financial advice”.
This is what Triple Point regional business development manager Lucy Dolan said on a panel at the Money Marketing Interactive conference in Leeds today (24 October).
Speaking on the same panel Moran Wealth Management founder Nicola Crosbie added that there has been a lot of “panic and hysteria” surrounding the Budget.
“The need for tax planning advice will increase” as a result, Crosbie added.
She said that at the moment it is all speculation, but “we need to have a plan in place to help clients quickly following the Budget”.
Dolan, on a more positive note, said: “We have been through a lot of change before and come out of it on the other side”.
Still, her diary is packed with post budget sessions and webinars.
Syndaxi Financial Planning managing director Robert Reid also asked the audience how many had been asked about tax-free cash in the run-up to the Budget.
The majority of those attendance raised their hands.
Dolan also spoke about venture capital trusts (VCTs) and enterprise investment schemes (EIS).
EIS and VCTs enable businesses to secure equity investment and grow rapidly, with tax reliefs helping reduce investors risk, she said.
In regards to the abolition of the lifetime allowance (LTA), Crosbie said she does not believe it will be reintroduced.
Reeves initially indicated that Labour would reverse this move, which was originally announced by then chancellor Jeremy Hunt.
However, Labour dropped plans to reintroduce the pension LTA, saying it would be “too complex”.
This move was widely welcomed by the financial services industry.
Money
Major energy firm with 5.6million customers is giving thousands FREE electricity on Halloween – but you need to be quick
A MAJOR energy firm is giving thousands of customers free electricity this Halloween.
E.ON Next, which serves 5.6 million customers in the UK, is offering selected customers free electricity this Halloween.
The energy firm has begun emailing chosen customers, encouraging them to take advantage of this special offer.
Customers who download the E.ON Next app can receive a £5 credit on their electricity bill for Halloween.
The email sent to participants reads: “No tricks this Halloween, just a treat on us.
“Here’s a scarily good deal! Get a day’s worth of free electricity on us, just by following three simple steps.”
To claim the reward, customers who receive the email must first download the E.ON Next app, available on both the Apple App Store and Google Play Store.
After downloading the app, they need to log in to their E.ON Next account within 48 hours.
Once these steps are completed, customers can claim a free £5 energy credit, which will be applied to their electricity bill on October 31.
E.ON Next states that the £5 credit is equivalent to the average daily cost of electricity in the UK, meaning it will cover a full day’s electricity usage for most customers.
However, customers with a prepayment meter will not be eligible for this offer.
Reacting to the news of the offer on Facebook, one customer said: “Decent, that’ll cover boiling the kettle.”
Another said: “This can be really helpful for those who are struggling!”
“I downloaded their app, and it’s the first thing that pops up once signed in,” said a third.
Eligible customers have until 10am tomorrow (October 25) to redeem the offer before it closes for good.
E.ON Next said that the £5 credit will appear as ‘Free energy credit’ on online accounts, paper statements, and bills.
Customers who aren’t with E.ON Next can still get access to free bill credits by taking part in a number of energy-saving schemes.
OTHER WAYS TO GET FREE ENERGY CREDITS
A number of energy suppliers reward customers with discounts or credit when they change the way they use their gas and electricity usage.
These schemes, offered by the likes of British Gas, EDF, Octopus and Ovo Energy, can help customers save money this winter.
Here’s everything you need to know.
British Gas
British Gas‘ Peak Save Sundays scheme offers millions of customers half-price electricity for using their energy during certain hours.
It offers qualifying customers half price electricity between 11am and 4pm every Sunday.
The energy firm said over 650,000 customers had already signed up to the scheme, saving a combined £13million between them.
You can sign up to the scheme by visiting britishgas.co.uk/energy/peak-save.html.
The supplier will then be in touch with you if your application is successful.
After that, your savings will appear as “PeakSave Credit” on your next energy bill or online statement.
Be aware that you can only sign up to the scheme if you have a smart credit or prepayment meter that can send half-hourly meter readings.
If you don’t have a smart meter, don’t worry, British Gas will install one for free in your home.
EDF Energy
EDF offers customers the opportunity to run their homes for no cost if they take part in a new challenge.
To get the hours of free electricity, customers must cut down on using electrical devices during “peak hours”, which tend to be between 4pm-7pm Monday to Friday.
In return, EDF will give customers free electricity on Sundays when demand to the energy grid tends to be lower.
The more electricity customers shift to off-peak times, the more free electricity they can earn.
Customers who manage to cut back their usage by 40% during the week can earn up to 16 hours of free electricity to use on a Sunday.
To take part, customers need a smart meter.
To find out more, visit edfenergy.com/energy-efficiency/sunday-saver-challenge.
Octopus Energy
Octopus Energy customers who are signed up to the “Octoplus” can take part in free electricity sessions when wholesale prices fall below zero.
The sessions last an hour, and customers can use electricity for free and receive credits for using more than they typically would.
All customers with a smart meter, including smart prepay meters, receive an alert the day before each session.
When the session begins, they can ramp up their electricity usage – whether it’s charging gadgets, running a laundry marathon, or any other household activity.
Any extra electricity consumed beyond their normal usage will be credited back to their account.
Find out more by visiting octopus.energy/free-electricity/.
Ovo Energy
Ovo Energy also offers a scheme which rewards customers for reducing their energy consumption during peak times.
Power Move offers customers up to £10 a month if they use 8.50% or less of their home’s total electricity between 6-9pm, Monday to Friday.
For example, by using the dishwasher in the morning or waiting until after 9pm in the evening to catch up on TV.
You can sign up by visiting ovoenergy.com/power-move.
What energy bill help is available?
There’s a number of different ways to get help paying your energy bills if you’re struggling to get by.
If you fall into debt, you can always approach your supplier to see if they can put you on a repayment plan before putting you on a prepayment meter.
This involves paying off what you owe in instalments over a set period.
If your supplier offers you a repayment plan you don’t think you can afford, speak to them again to see if you can negotiate a better deal.
Several energy firms have grant schemes available to customers struggling to cover their bills.
But eligibility criteria vary depending on the supplier and the amount you can get depends on your financial circumstances.
For example, British Gas or Scottish Gas customers struggling to pay their energy bills can get grants worth up to £2,000.
British Gas also offers help via its British Gas Energy Trust and Individuals Family Fund.
You don’t need to be a British Gas customer to apply for the second fund.
EDF, E.ON, Octopus Energy and Scottish Power all offer grants to struggling customers too.
Thousands of vulnerable households are missing out on extra help and protections by not signing up to the Priority Services Register (PSR).
The service helps support vulnerable households, such as those who are elderly or ill, and some of the perks include being given advance warning of blackouts, free gas safety checks and extra support if you’re struggling.
Get in touch with your energy firm to see if you can apply.
Money
Assura sells 12 assets for £25m as it accelerates disposal programme
Assura said it was currently in discussions on further tranches of asset disposals with an aggregate value of approximately £110m.
The post Assura sells 12 assets for £25m as it accelerates disposal programme appeared first on Property Week.
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