January is a tough financial month for most, after splashing out at Christmas, many of us are looking to tighten the purse strings. But what if you were suddenly able to get hold of hundreds of pounds? Well, that may very well be the case, if you haven't checked if you are eligible some of these tax breaks. We have run through some of the most common ways HRMC can cut you some slack and put money in your pocket. Check your tax code The most common mistake is to put someone on an emergency tax code when they get a new job or change their job title. That could make you £2,200 a year poorer - as you lose your £11,000 a year personal allowance and all your income is taxed. You will find your code on your P45, the PAYE Coding Notice sent by HMRC or on your wage slip. For more information visit Gov.uk/tax-codes/overview. Alternatively, an easy to way to check is by using a simple calculator, such as Listentotaxman.com . Simply enter your gross salary and find out what your net pay … [Read more...] about 7 simple ways you can get hundreds of pounds in tax breaks
Lose 25 pounds in 3 months
When it comes to losing weight it seems to be all about diet and exercise.It's obvious that exercise is key to any weight loss regimes as it helps you burn calories and more calories burned means a greater weight loss. But what if you hate exercise? According to nutritional therapist Petronella Ravenshear, no: "Contrary to the popular notion that we need to exercise to lose weight it’s simply not true." Plenty of studies have backed up Ravenshear’s opinion. Last year, a study published in Current Biology found that while exercise is important for your overall health, it shouldn’t be the only focus for weight loss. In fact, tweaking your diet can be more beneficial to not only losing the weight, but keeping it off. Generally, weight loss is 75 per cent diet and 25 percent exercise. That’s not to say you have to radically switch up what you eat overnight. “Cutting down on carbohydrates and drinking lots of water, which will take the edge off hunger and … [Read more...] about Can you lose weight without exercise?
A SIM only deal is a mobile phone contract where you pay a standard monthly fee for your data, calls and texts, but don't pay out for the cost of your phone each month on top. With the single biggest factor affecting the cost of phone contracts being paying off the handset itself, it's no surprise that SIM free plans are considerably cheaper. So, if you've already got a decent phone that you're happy with, we've rounded up the very best SIM only deals out there this June, leaving you with a few more pounds in your pocket. Best SIM only deal we've seen this month The best offering we've seen this June is undoubtedly from Virgin Mobile, who are offering 10GB of data for £13 a month. Usually £16 for the bundle, you'll also get unlimited texts and 2500 minutes included, although the offer will end on the 14th June, so you'll need to snap it up fast. The only downside is that it is a 12 month long contract, so if you want something with a little less commitment, one of the offers … [Read more...] about Incredible new SIM only deal hits shops that offers 10GB of data for £13 a month
We all know that to lose weight you need to exercise more and eat less – but the question is, how? Research suggests there are dozens of tricks when it comes to shedding the pounds. From acupuncture helping you to lose an extra 10lb in three months, to why carrot juice should be part of any slimmer’s daily diet, try some of these tips to get you back in shape in time for summer… 1. Take a calcium supplement. You’ll lose 2.6% more fat than people who don’t. Calcium provides small increases in the body’s core temperature. This boosts metabolism, prompting our bodies to burn more fat. 2. Red meat can help you lose weight. It contains a lot of proteins that help you maintain muscle mass – and muscle burns four times as many calories as fat. 3. People who have acupuncture once a week lose an extra 4.5 kg (10lb) in three months. Applying needles at pressure points is thought to trigger electrical pulses that suppress appetite. 4. Sprinkle … [Read more...] about 50 fantastic weight loss tips to get you in shape for summer
Garry White, chief investment commentator, looks at the market-moving events that have shaped the UK equity markets this week (21 to 25 May 2018). Shares in Harry Potter publisher Bloomsbury soared after special editions of Harry Potter and the Philosopher’s Stone, and Fantastic Beasts and Where to Find Them helps its children’s division increase profits by a quarter. There was yet more gloomy news from the high street following a profit warning at Halfords, coupled with falling sales at Pets at Home and B&Q-owner Kingfisher. The FTSE closed at another record high on Wednesday, boosted by a weakening pound, but was down 0.5% over the week by mid-session on Friday. Economics The UK's economy grew at the worst rate since 2012 in the first quarter, with GDP up by just 0.1%, according to the second, unrevised, estimate. The Office for National Statistics said it expected “a continuation of a pattern of slowing growth, in part reflecting a slowing in the growth of … [Read more...] about Last Week in the City: Harry Potter and Tiffany diamonds weave their magic