A mum who managed to save £10,00 in just one year has shared her tips to saving money. Morgan Woods, who blogs for Promotional Codes, has put together a list of strategies that helped her clear her £4,000 of debt in under three months. The big take home, says Morgan are the three Cs - coupons, codes and cashback. Morgan managed to halve her shopping bills with coupons , cashback and planning meals in advance. Another tip is to set a savings goal, as a way of staying motivated. Morgan, who lives with her partner Tom and their two children in Norfolk, is a reformed big spender. When their former landlord decided to sell up, the couple realised they could not afford to move without family help – and vowed to change so they could buy their own home. Morgan cleared £4,000 of debt in three months, and in one year the couple had £10,000 towards their house deposit. She makes money with cashback, mystery shopper and receipt apps, and saves on food through meal … [Read more...] about Mum’s 18 tips to save £10k in a year
Debt free in 10 years
A student has told how he has stayed debt-free through four years at university by working night shifts at a supermarket before clocking in to classes at 9am. Micheal Olorode, 21, has avoided taking out a student loan by working 10-hour shifts to pay for his rent, bills, books and food. He finished at 8am before starting his biomedical science classes at Robert Gordon University, Aberdeen. Micheal, who was born in Nigeria and moved to Croydon, London, when he was seven, wants to be a physiotherapist. He told student website The Tab: “I would normally work on Saturday, Sunday, Monday and one day during the week depending on my university timetable. “It was tiring but fortunately I would be finishing uni at 2pm, then hopefully go to the gym then sleep.” Micheal, who is due to graduate this year, left his job in December last year when his exams began to take priority. He said: “I didn’t want to work too much as it’s my final year and I … [Read more...] about Student stayed debt-free by doing night shift until 8am then starting 9am class
MARTIN Lewis has revealed his top money saving deals for the New Year including how you can get free cash by switching banks. The financial expert spoke on ITV's Good Morning Britain about a range of sales on offer this month, so you can bag a bargain as we head into 2019. Rail fares have risen by 3.1 per cent but Martin gave some handy tips on how you can make your railcard last longer. For example if you buy your railcard the day before you turn 31, you can use it up to the age of 32. And if you're eligible for a 16-25 railcard, you can purchase the three year railcard the day before you turn 24 so it'll last up to the age of 27. If you're looking to grab a bargain in the January sales, he also explained how retailers are boosting their sales by up to 70 per cent with more set to follow. How to earn cash by switching bank accounts? After ditching free cash incentives in the middle of last year, First Direct has now bought back its switching bonus of £100. Martin highlighted how … [Read more...] about Martin Lewis reveals how you can get £150 FREE cash by switching banks in New Year money saving deals
From towels and toys to pick ‘n’ mix and kitchen utensils, Woolworths sold it all. But December 2008 marked the end of the retail-giant which had become a firm favourite with families around the country. With almost £400 million of debt, Woolworths – or Woolies as it was affectionately known – was forced to close 807 stores in the UK, leaving 27,000 people out of work. Since its demise a decade ago, many of the old branches which closed in towns including Hanley, Stoke, Burslem, Newcastle and Leek have been snapped up by other retailers – including Poundland, Iceland and B&M. But there is one North Staffordshire store which has been left vacant since the closure. Woolies’ Longton branch shut it doors for the final time on December 30, 2008 - and has never been reopened. It can be argued that the closure was the beginning of the end for the struggling town – which has seen other high street names, including fashion retailer Select and … [Read more...] about Woolworths closure 10 years on: What has happened to all of the old stores?
JUST one in 10 payments is expected to be made in cash in 15 years, but a new report warns that a cashless society risks leaving millions of people behind. Debit cards overtook cash as the most popular payment method for the first time in 2017 with cash use halving in the past 10 years and forecast to halve again in a decade’s time. But despite the increasing use of cards and electronic payments, an independent report has found that around 8million (17 per cent) people say cash is an economic necessity. The independent Access to Cash Review's interim report warns that if we go cashless too quickly, it could threaten the poorest people in society. It says that using cash helps those on tight budgets to stay out of debt, while it also gives independence to those in difficult or abusive relationships as well as those who rely on cash for informal support. The decline of cash could also see those living in rural communities suffer, while the poor end up paying more for goods and … [Read more...] about Millions ‘will suffer without cash’ as bank notes and coins set to disappear in 15 years