Sainsbury's is in the process of announcing a huge shake up of its Nectar card scheme in a move that could mean more bonus points every time you shop at the supermarket, The grocer, which first announced it was trialling an overhaul in Wales and the Isle of Wight earlier this year, has said it is testing out a new scheme which will be rolled out nationally. However, consumer experts at MoneySavingExpert have found that shoppers across the UK are now able to participate in it, boosting their points on certain products when they register to take part. Under the scheme, customers will be sent a range of points-boosting offers based on their shopping habits, such as 20 extra points on branded bread, which they'll then be able to collect when they make the purchase. Shoppers can view all of their tailored offers on the website or app, where they can 'save' the ones they want to use before shopping. You then have to use them within a certain period - which will likely be a week or two. More … [Read more...] about Sainsbury’s is making huge changes to Nectar – with hundreds more bonus points
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Beth lives in Atlanta, Cathy lives in Aberdeen, and Sarah lives in Amsterdam. They are sisters, and each earns around £40,000 a year. They also each pay roughly the same amount into a pension scheme. But, on retirement, Sarah in the Netherlands picks up a pension that is 50% higher than her sisters in Britain and the US. Why? In a shocking new book Jon Lukomnik, the former head of New York’s $100bn city workers pension fund; David Pitt-Watson, the former director of a £50bn fund group in Britain; and Stephen Davis, who served on the US Securities and Exchange Commission and is now a senior fellow at Harvard, blow the whistle on how Anglo-American money management is failing the populations of both countries – and discuss what can be done to fix it. Take, for example, Railpen – the pension scheme that covers 500,000 current and former railway workers in Britain. The workers have £21bn in the fund for their retirement, and were told that the costs of … [Read more...] about They charge huge fees, but are fund managers really working for you?
A savvy mum transformed some 99p dining room chairs into a magical Harry Potter experience for her children and grandchildren. Support worker Linda Mills, from Rotherham, 59, picked up Potter-themed tote bags from Poundland and cheap chairs from eBay, then headed to her local market for some material to complete the effect. The four-piece dining chair set cost her a miserly 99p from eBay, while the tote bags were a pound a piece at Poundland . She also added that anyone thinking upcycling their own furniture should always remember to spray the upholstery to make it fireproof. “Usually what I do is pug-related furniture for local pug charities so Harry Potter was a bit of a departure from the norm," she told The Sun . As well as adding the Poundland bags on the seat backs, she painted the chairs with chalk paint she already had and reupholstered the seat with Potter-themed cloth costing £5 a meter at a Rotherham market. “It's not difficult but you do need to be … [Read more...] about Mum makes amazing Harry Potter dining set from Poundland tote bags and 99p chairs
The John Lewis Partnership has warned over profits and said it will close five Waitrose stores as tough trading on the high street takes its toll on the firm. The group, which is hosting a strategy day, said it does not expect to make a half-year profit, while profits for the full year will come in "substantially" lower than last year. It bemoaned "market uncertainty" and cited significant extra costs at the partnership as a result of "greater IT investment", which will be a driver of the profit decline. Waitrose will shut four convenience shops and one small supermarket, affecting around 200 staff. Sir Charlie Mayfield, chairman of the John Lewis Partnership, warned that the malaise "isn't a blip". The firm also announced a new look, emphasising its partnership model, where staff own the store rather than shareholders of investors. Mayfield added: "It is very important that we feel the jeopardy of what is happening right now. "This isn't a blip, it is a major shift and it has a while … [Read more...] about Even WAITROSE now closing stores – The full list as as John Lewis announces huge changes
Both Argos and Smyths have each announced major toy sales this week, so it was only a matter of time before B&M got involved. The famous bargain retailer has just unveiled a big brand toys sale that gets you two toys for £16. All the major names are included, such as Disney, Toy Story and Nerf, as well as the likes of Spider Man, Peppa Pig , Harry Potter and Frozen. Phew! Whether you're stocking up for Christmas or just treating the kids now there's some decent discounts, we've listed some of our favourite options from the sale event below. Sadly, the offer is only available in store, at all of B&M's 630 locations across the country until Thursday 6th October. You can find your nearest by searching your location on the B&M website. Top toys included in B&M's two for £16 sale Frozen Puzzle Palz Figures, usually £12.99 Harry Potter Action Figures 5pk, usually £12.99 Disney Princess Sparkle Sand and Meltums, usually £12.99 Play and pretend B&M … [Read more...] about B&M launch huge toy sale including discounted Disney, Frozen and Harry Potter