MARTIN Lewis has urged savers to act now to boost their balances ahead of a key decision tomorrow.

He spoke during Tuesday’s episode of his ITV programme, The Martin Lewis Money Show Live.

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Martin urged Brits to check what interest they currently get ahead of an expected fall in the UK base rate this Thursday.

He said: “The UK base rate, this is the Bank of England set rate, obviously was very low and then it’s risen recently and peaked at 5.25%.

“It’s dropped to five per cent now and we are expecting on Thursday that interest rate to drop by about a quarter of a per cent.”

He qualified that this was not guaranteed.

Martin went on: “Now though we are in the position where inflation is substantially lower than we have on interest rates so your money is growing in real terms.

“If you put money away in savings and in a couple of years, you will be able to buy more with it than you could at the point you put it in.

“Saving is finally, at last, paying.”

In the same programme, he also warned that a million people have been overpaying their student loans – and could be owed a refund.

In the last tax year, more than one million university leavers overpaid their student loans, according to figures released by the Student Loans Company (SLC).

Speaking on The Martin Lewis Money Show Live, on ITV on Tuesday, the show host said graduates were able to claim money back if they had overpaid, which was “very easy to do”.

There were four main reasons you may have overpaid your student loan.

Martin said: “The first, and the biggest by a mile, over a million people overpaid this way, is you should only repay if you earn over the annual threshold.”

He added: “For Plan 2, which has the most number of people on it, 2012 to 2022 English starters, you’ve got to understand, if you earn less than that [£27,295] you shouldn’t repay the student loan but because it’s taken via the payroll your student loan is taken monthly.

“A twelfth of that is £2,274 per year, so if you earn more than that in a month, you’re gonna have student loan contributions taken from you.”

He explained that because repayments are taken from your payroll monthly, if your earnings vary through the year, you may be assumed to be over the yearly limit in one month of decent earnings.

This is despite you not earning above the total threshold for the year when earnings are taken as a whole – meaning the money is taken from you despite not being eligible.

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A second reason was people were on the wrong student loan repayment plan – in which case you should talk to your employer and tell them what plan you’re on.

The third reason is that you started repaying too early.

If you started university from 1998 onwards and were a full-time student, you should not have begun paying your loan back until the April after finishing your course.

But the latest figures from SLC reveals that 59,251 students had loan repayments taken before they were due to start repayments in 2023/24, according to MoneySavingExpert.com.

The fourth reason is that the loan was wiped – which typically happens after 30 years – but a number were still left paying in error.

A number of case studies of those who overpaid were revealed in an article for Martin’s Money Saving Expert website, published on November 4.

Fiona wrote in during October 2023 saying: “I knew something wasn’t right when I lodged my tax returns and reading Martin’s article was the catalyst for a sustained attempt to work out what had happened. I received £3,773 back.”

Lyndsey said: “Thanks to watching Martin Lewis’s programme last night I contacted the SLC and have got a refund of £706 as I had started paying straightaway. Great just before Christmas.”

Melissa said: “Just wanted to say a massive thank you as I read your article on overpaying on student loan repayments and realised there was a chance I had overpaid.

“Turns out I had and I’ve since received a refund of £900! I’ve been doing house renovations this year so this money has been incredibly handy in going towards them.”

Lisa added: “I spent 15 minutes on the phone and got £555 back for overpayments on my student loan.

“Most was because of my maternity leave. Thanks so much, couldn’t have come at a better time.”

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MORRISONS is selling its strongest ever garlic bread that’s 10 times more powerful than usual – but you’ll have to get your skates on.

The Dracula’s Devil version of the supermarket’s garlic bread pizza has a whopping 10 extra whole cloves of garlic.

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It’s thought to be the most potent garlic bread pizza ever sold in the UK.

The 10-inch pizza costs £2 and made at Morrisons in-store fresh pizza counters.

The limited edition pizza is available now until November 9, so it’s best to rush down to your local store before the offer ends.

The launch of the pizza comes as research revealed around one third (34 per cent) of Brits confessed to hiding from Halloween celebrations by not answering the door to trick or treaters.

Others pull the curtains shut (33 per cent), and make sure lights are not on either at the front or anywhere in the house (both 24 per cent).

It also emerged that more than half the nation (54 per cent) avoid celebrating Halloween on October 31 and consider themselves a “Halloween Hider”, whilst 40 per cent of Brits identify as “Halloween Haunters” and enjoy the festivities. 

Two fifths (40 per cent) though have taken steps to celebrate, leaving a pumpkin by the door (27 per cent), prepared Halloween themed food (22 per cent), or thrown a party (17 per cent). 

Despite more “Halloween Hiders” than “Halloween Haunters” the majority (66 per cent) would be happy to share their trick or treating treats, with a further 23 per cent sharing these but keeping the majority for themselves.

One in ten (11 per cent) though would not share any, rising to 15 percent of men.

Phillip Wall, Buying Manager of Pizza Counter & Salad Bar at Morrisons, said: “After popular demand, our Dracula’s Devil Garlic Bread Pizza is back and more garlicky than ever.

“We hope all our customers enjoy this limited-edition pizza, whether they’re a ‘Halloween Hider’ and use the extra-garlicky pizza to fight off vampires, or a ‘Halloween Haunter’ and enjoy sharing the pizza at Halloween celebrations with friends and family.

“This pizza is limited edition so customers must be quick to avoid disappointment.”

 The Dracula’s Devil Garlic Bread Pizza is available now in-store at the Morrisons fresh pizza counter.

If you’re worried about the smell, scientists found that garlic can apparently make men smell more attractive to women.

It comes as shoppers have been rushing out to nab themselves a suitcase after the supermarket slashed the price to as little as £8.

Morrisons Christmas advert

Morrisons has also unveiled its Christmas advert  – which you can watch at the top of the page – and it features a famous movie soundtrack sung by kitchen oven gloves.

The common household item comes to life in this festive clip, singing the showtune “Give a Little Love” from Bugsy Malone.

Morrisons’s 60-second advert will air for the first time on television this evening on ITV during Coronation Street.

It begins with a Morrisons delivery van arriving at a home and then panning to a lone oven glove who suddenly springs life and belts into song.

As the ad progresses, viewers are taken through a series of kitchens to the backdrop of the iconic song, where more and more oven gloves appear.

The gloves, which are voiced by Morrisons workers, are singing to encourage families as they prepare their Christmas dinner.

Viewers can expect to see a number of dining tables filled with Morrisons food, including its classic turkey, salmon and a range of desserts.

Party food from its premium The Best range also makes an appearance, which is available to buy in stores now.

The ad concludes as a family sits down for their meal joined by a host of singing oven gloves.

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

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THE EXACT code to spot for the DWP Christmas bonus has been revealed.

The Department for Work and Pensions (DWP) hands out a tax-free bonus to hard-pressed households ahead of Christmas.

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For people who meet the criteria, the money is usually paid into their bank account automatically, meaning you do not have to apply.

If you are not sure if you have received the payment before, check on your bank statements for a code which says “DWP XB”.

To get the money you usually need to be claiming benefits before the qualifying week, which is typically the first week of December.

The full list of benefits which make you eligible for the bonus include:

• Adult Disability Payment
• Armed Forces Independence Payment
• Attendance Allowance
• Carer’s Allowance
• Carer Support Payment
• Child Disability Payment
• Constant Attendance Allowance (paid under Industrial Injuries or War Pensions schemes)
• Contribution-based Employment and Support Allowance (once the main phase of the benefit is entered after the first 13 weeks of claim)
• Disability Living Allowance
• Incapacity Benefits at the long-term rate
• Industrial Death Benefit (for widows or widowers)
• Mobility Supplement
• Pension Credit – the guarantee element
• Personal Independence Payment (PIP)
• State Pension (including Graduated Retirement Benefit)
• Severe Disablement Allowance (transitionally protected)
• Unemployability Supplement or Allowance (paid under Industrial Injuries or War Pensions schemes)
• War Disablement Pension at State Pension Age
• War Widow’s Pension
• Widowed Mother’s Allowance
• Widowed Parent’s Allowance
• Widow’s Pension

If you meet the criteria, you will get £10 from the DWP to help towards costs over Christmas.

The DWP says that if you think you should get it and the money hasn’t come through by January 1, you must contact your local Jobcentre Plus office.

It’s also worth bearing in mind that in some cases you could be entitled to claim even if you are not claiming benefits.

This usually only applies if you are in a partnership, for example a marriage or civil partnership, and are claiming the State Pension.

State Pension loophole

For example, your partner may still get the £10 bonus if you are both over the State Pension age by the end of the qualifying week.

This usually starts on the first Monday of December, so this year it will begin on the 2nd of the month.

In this instance, one of you will need to be claiming a qualifying benefit, such as Pension Credit.

Both of you will also need to be aged either 66 or above by the start of December.

So, for example, a retired husband may be claiming Pension Credit and his wife is not, but his claim makes them both eligible for the bonus.

However, you will not get the money paid out separately – instead a total of £20 will be paid in one account.

And bear in mind that your partner who is claiming must also be entitled to an increase in their qualifying benefit.

So, for example, you can be entitled to an increase in Pension Credit if you start living with your partner.

The benefit tops up your weekly income to £213 if you’re single or your joint weekly income to £332.95 if you have a partner.

If an increase in benefit is paid for an adult partner that should be shown on the benefit award letters sent out annually, or when the benefit was first claimed.

It will usually say something like “extra amount paid for your partner” and give a figure.

If the benefit is pension credit the award letter will say something like “amount for you and your partner”.

Other factors

To get the cash, you also must be present or a resident in the UK, Channel Islands, Isle of Man, Gibraltar or Switzerland during the qualifying week.

If you are concerned about your partner missing out, contact with the DWP for help.

Samuel Thomas, senior policy advisor at anti-poverty charity Z2K, previously told The Sun: “Many people are entitled to more financial support from the social security system than they realise.

“If you’re struggling financially, you should check whether you can claim any additional benefits or seek independent advice.”

If you are worried about costs this winter, make sure you’re aware of different support available to you.

For example, councils are giving out up to £500 in cash and food grants via the Household Support Fund.

How to check your eligibility

For those who are unsure if they can get access to the bonus and other help, you can use an online benefits calculator.

These are free-to-use online tools which can be accessed at a number of websites.

For example, the charity Turn2Us’ has a benefits calculator that works out what you could get.

Entitledto also has a free calculator that determines whether you qualify for various benefits, including tax credits and Universal Credit.

You can also use Policy in Practice’s calculator to determine which benefits you could receive and how much cash you’ll have left over each month after paying for housing costs.

Your exact entitlement will only be clear when you make a claim, but calculators can indicate what you might be eligible for.

If you do not want to use an online calculator there are other options available.

For example, you can also check with a local benefits adviser to find out what you could be entitled to.

The website advicelocal.uk lets you enter your postcode and informs you of your nearest adviser and how you can contact them.

For example, if you enter on the website that you live in Wandsworth, London it will give you the details of the nearest support in the area.

In this instance, it was the borough’s local Age UK and Citizens Advice.

You should be aware that many organisations do not offer an open-door service.

If you are planning to contact an organisation for help or advice you might want to check their website for more information before doing so..

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POPEYES has revealed its very first Christmas menu in the UK and it includes a twist on the beloved chicken sandwich.

There’s more good news too as fans of the New Orleans-born fried chicken brand can sink their teeth into the festive food from today.

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Being served up on the Christmas menu are six new items that combine the flavours of New Orleans with British festive classics, from as little as £1.50:

• The Festive Superstack Sandwich
• The Festive Feastin’ Roll
• The Chicken Festive Feastin’ Roll
• Sage & Onion Hash Brown
• Frostin’ Mint Shake made with Oreo
• Caramel Latte

The Festive Superstack Sandwich is a “next-level” take on the fan-favourite Popeyes chicken sandwich.

It features a juicy, 100% fresh Shatter Crunchin’ chicken breast topped with Emmental cheese, a tasty Sage & Onion Hash Brown, plus fresh pickles and lettuce for extra crunch.

The tasty combo is then stacked inside a soft brioche bun and topped with a swirl of spicy and sweet Cranberry Habanero Sauce and mayo.

It combines the poppin’ flavours of New Orleans with the comfort of a classic Christmas roast – and is the new kid on the block for annual festive sandwich competition.

Popeyes has also revealed its first-ever festive breakfast roll with the launch of the Festive Feastin’ Roll.

A festive version of the much-loved Popeyes Big Cajun Roll, this brekkie treat consists of a sausage patty, four juicy bacon rashers, a free range egg, a Sage & Onion Hash Brown, all topped off with Cranberry Habanero Sauce in a perfectly toasted premium brioche bun.

Fans can wash the festive breakfast roll with the new Caramel Latte, with a sweet kick to start your day.

For those who fancy a bit more cluck for their breakfast, The Chicken Festive Feastin’ Roll will also be launched across select restaurants nationwide – featuring a Popeyes Signature Herby Chicken patty, topped with a free range egg and American cheese, Cranberry Habanero Sauce and finished with a tasty Sage & Onion Hash Brown.

Fans can treat themselves to a Sage & Onion Hash Brown as part of a meal, or as a tasty standalone side.

This New Orleans spin on sage & onion stuffing combines the best-selling Popeyes Hash Brown with the traditional flavours of this iconic festive side.

Fried-chicken lovers can also opt for the Festive Superstack Box Meal to get more chicken and more bang for their buck this holiday season.

Combining the Festive Superstack Sandwich with a choice of two Tenders, three Hot Wings or one-piece Signature Chicken, served with regular fries and regular drink, all from just £11.49.

Fans can round off their meal with the launch of the limited-edition Frostin’ Mint Shake made with Oreo.

An indulgent combo of festive minty flavours, the shake is made using thick Jersey cream, with a fresh minty kick, and topped with crunchin’ Oreo pieces.

It’s a frosty treat perfect for festive indulgence.

Dave Hoskins, Head of Food at Popeyes, said: “This festive season we want to give our guests a taste of the traditional holiday flavours everyone knows and loves, but with a true Popeyes twist.

“We’re proud to reveal our first ever festive menu in the UK, and what better way to do it than with a nod to our New Orleans heritage.

“We know our fans love when we put a spin on a classic, and our Sage & Onion hash browns are a delicious all-day way to enjoy the flavours of a roast potato – what’s not to love?

“We’ve also snuck one into our new Festive Superstack Sandwich alongside our world-class Shatter Crunchin’ chicken, Emmental, and some cranberry habanero sauce, giving our guests a familiar taste of the holidays with an unexpected Louisiana kick.”

The Festive Feastin’ Menu is available from November 5, in nationwide Popeyes restaurants, drive-thrus and via delivery.

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FREE up space for Christmas and boost your spending power at the same time.

Clearing clutter, including broken or old items, can earn you cash and vouchers that will be handy over the coming weeks.

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Here are some top tips for cashing in . . . 

TECH IT BACK: If you’re expecting new gadgets for Christmas, clear out your outdated or broken appliances and devices now.

Currys will accept TVs, toasters and anything else electrical. Just take items in store and, in return, you will get a voucher worth at least £5 to spend in the shop.

TOY JOY: List old toys on second-hand sites such as Gumtree and Facebook Marketplace.

If you have Lego you no longer use, you can sell it by weight at musicmagpie.co.uk. It doesn’t need to be in sets and there are no additional fees.

DRESS FOR SUCCESS: Want to clear out your wardrobe? Now is the time to list clothes on second-hand sites as people look for gifts or festive outfits.

You’ll get the most cash for items in good condition. But even if you have lots of lower value gear, or clothing that is damaged, don’t throw it away. Take it to H&M for recycling, and you’ll get a £5 voucher towards your next spend.

YOU BEAUTY!: Cosmetics packaging, including lipsticks and eyeshadow palettes, can’t usually be recycled at home. However, they are among items that, if taken to Boots, can earn you rewards.

You’ll need to bring at least five empties — then, with a £10 spend, you’ll be awarded 500 Advantage points in the chain’s membership scheme.

Alternatively, you could take an empty glass perfume bottle to The Perfume Shop and you’ll get 15 per cent off a new scent on the same day.

And if you’re a fan of upmarket toiletry brand L’Occitane, you can get ten per cent off a full-sized product on the day you recycle an empty beauty product, excluding glass and aerosols, in store.

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

Deal of the day

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COUNT down to Christmas and stock up on £357.83 worth of products for £99 with Boots’ beauty advent calendar.

The haul includes Sol De Janeiro mist and Drunk Elephant jelly cleanser.

SAVE: £258.83

Cheap treat

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SNUGGLE up at bedtime with Aimee the unicorn hot water bottle, £10 at Dunelm.

Top swap

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GIVE your shower an exotic flavour with Molton Brown’s gingerlily gel, £25. Or get a similar scent for less with Lidl’s deluxe gingerlily gel, £1.49.

SAVE: £23.51

PLAY NOW TO WIN £200

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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!

A MAJOR high street retailer with 1,400 stores in the UK is to shut a “lovely” site after it launched a closing down sale.

The long-standing Basingstoke, Hampshire, branch of WH Smith’s has been earmarked for closure next year.

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The store, situated in The Malls shopping centre, has been a fixture in the town for more than 56 years.

It is now due to close down for good on February 1, 2025.

WH Smith announced earlier this year it had plans to close a number of sites in the UK although the Basingstoke branch was not originally included.

While it will be closing a number of outlets, it has also been expanding its presence in airports and train stations and new branches are planned at key travel sites.

Signs have already gone up in the Basingstoke branch which are offering discounts on a wide range of items as it begins to wind down operations ahead of its closure.

It’s currently offering 30% off on books and stationery.

The decision to close the branch has been put down to WH Smith’s upcoming lease expiry and changing trading conditions.

A WH Smith spokesperson said: “We can confirm that the WHSmith store in Basingstoke will be closing on Saturday 1st February 2025.

“It is no longer sustainable to continue to trade from this location and the decision has been taken to close the store as a result of the forthcoming lease expiry.

“We are disappointed to be losing our presence in Basingstoke and we would like to thank all our customers for their support and for shopping with us.

“We are also extremely grateful for the commitment of our in store colleagues who we will support with this transition and redeploy to nearby stores, where possible.”

As there has been a branch in Basingstoke for so long, locals are likely to miss the store, with one customer calling it “lovely”.

They said online: “Lovely shop to visit if you’re looking for an obscure magazine title, look here first as they have a very large range which is quite impressive.

“Also available, I  found was books, cards and stationary for yourself or the odd bits for kids for school.

“Very polite and friendly staff. Nice, busy at times store.”

Many other locals feared the impact of the closure could affect the town’s Post Office which moved into the WH Smith branch in 2019.

The Post Office has confirmed that they are in the process of finding a new operator to take over the branch.

One person said in a Facebook post: “Turning it into a proper Post Office would be an asset.”

Another wrote: “Hopefully the Post Office will decide to take the whole downstairs unit and open a larger service up again like Basingstoke used too at top of town.”

While a third added: “We need a decent sized Post Office like the top of town was .

“So handy for parking, everyone could access the Post Office.

“Real shame WH Smith is closing but hope the Post Office will take the whole unit.”

WHSmith is closing a number of branches across the UK as it looks to extend its arm into the travel sector.

The retail giant, which runs some 1,400 stores, has shuttered eight stores since March 2023, including in Manchester and Bicester, England.

Meanwhile, the stationer has waved goodbye to branches in Oban, Scotland, and Ramsgate, Kent.

But it also comes amid a time of expansion for the chain, which is opening 15 branches at airports and train stations in 2024 in a boost for shoppers.

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

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