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Ways to Save on Your Summer Holiday Flights

Mon, 10 Jul 2023 18:48:52 GMT

Thinking of jetting off somewhere warm this summer? Before you get hot under the collar at the sky-high price of flights, look at some of the tricks that can cut the cost of your plane ticket.

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So, let’s whet your appetite with a few ideas.

Watermelon, tomato and cheese salad. Sounds weird but these ingredients really do go great together. Especially on a hot day.

Apple and peanut butter sandwich. Try it! Sliced apples dipped into peanut butter is nothing new. But put it between slices of seeded bread for a new twist and a filling lunch.

Sticking with the jar of peanut butter and pushing the barriers even further – peanut butter, gherkin and thick cut (ridged) crisp sandwich. Rye bread is the game changer but any will do.

Salmon wraps, without the wraps! Mixed a tin of salmon with half a tin of cannellini beans, add spring onion, Greek yoghurt, and lemon juice and put inside large lettuce leaves.

Tuna, avocado and quinoa salad. Buy ready-made or microwaveable quinoa, mix with a tin of tuna, lemon juice, a chopped avocado, feta cheese, cherry tomatoes, a little bit of white wine vinegar and a swoosh (technical term) of olive oil.

Pizza pasta. What’s not to love about combining two of the best things in life? Mix cooked pasta (any shape!) with sun-dried tomato pesto, salami or any kind of sausage, plum tomatoes and mozzarella cheese.

Mexican bean salad. Hard-boiled eggs, chopped avocado, tin of kidney beans, chopped onion, chopped tomatoes, and a chopped chilli (depending on how hot you like it). Mix together and if you’re really adventurous have it with a taco or two!

Tuna mayo on crackers. Tin of tuna with mayonnaise, onion, capers (worth having a jar of these versatile little things in your fridge), lime juice, black pepper spread on something like Ryvita. Delish!

Sardine surprise. Tin of sardines, broken into chunks, mixed with a bag of watercress and some pickled beetroots, black pepper and a blob of horseradish.

This lot makes a change from a cheese and ham sandwich doesn’t it! Roll-on lunchtime.

Cheap as Chips! Tasty Ideas for Packed Lunches

Mon, 10 Jul 2023 18:46:07 GMT

Making and taking a packed lunch to work, college, or a day out can seem like a bit of a faff. But, when you haven’t got a sausage and the chips are down (terrible, sorry), preparing your own food can be cheaper, healthier and, if you go about it the right way, a bit of fun.

Rather than doing it once, getting bored and binning your Tupperware box, the secret is to rustle up packed lunches that are cost-effective, easy to make and a little bit different.

If you buy great ingredients in bulk, you can do all your chopping, dicing and preparing in one go and keep enough for a week in an airtight container in the fridge.

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So, let’s whet your appetite with a few ideas.

Watermelon, tomato and cheese salad. Sounds weird but these ingredients really do go great together. Especially on a hot day.

Apple and peanut butter sandwich. Try it! Sliced apples dipped into peanut butter is nothing new. But put it between slices of seeded bread for a new twist and a filling lunch.

Sticking with the jar of peanut butter and pushing the barriers even further – peanut butter, gherkin and thick cut (ridged) crisp sandwich. Rye bread is the game changer but any will do.

Salmon wraps, without the wraps! Mixed a tin of salmon with half a tin of cannellini beans, add spring onion, Greek yoghurt, and lemon juice and put inside large lettuce leaves.

Tuna, avocado and quinoa salad. Buy ready-made or microwaveable quinoa, mix with a tin of tuna, lemon juice, a chopped avocado, feta cheese, cherry tomatoes, a little bit of white wine vinegar and a swoosh (technical term) of olive oil.

Pizza pasta. What’s not to love about combining two of the best things in life? Mix cooked pasta (any shape!) with sun-dried tomato pesto, salami or any kind of sausage, plum tomatoes and mozzarella cheese.

Mexican bean salad. Hard-boiled eggs, chopped avocado, tin of kidney beans, chopped onion, chopped tomatoes, and a chopped chilli (depending on how hot you like it). Mix together and if you’re really adventurous have it with a taco or two!

Tuna mayo on crackers. Tin of tuna with mayonnaise, onion, capers (worth having a jar of these versatile little things in your fridge), lime juice, black pepper spread on something like Ryvita. Delish!

Sardine surprise. Tin of sardines, broken into chunks, mixed with a bag of watercress and some pickled beetroots, black pepper and a blob of horseradish.

This lot makes a change from a cheese and ham sandwich doesn’t it! Roll-on lunchtime.

Hot Tips to Cut the Cost of Cooking

Mon, 10 Jul 2023 18:43:54 GMT

If you’ve ever looked in your freezer and discovered a UFO (Unidentified Frozen Object), or defrosted a steak and kidney pie only to discover (after you’ve poured gravy on it) that it contains apple, then you might benefit from being a little more organised in the kitchen.

Taking something out of the fridge or cupboard and sniffing it to see if it’s ok, is not what’s meant by food preparation. If you save just £1 a day by not chucking out or wasting food, that adds up to a tasty (!) £365 a year. Double that, save £2 a day and you’ve got … well, you do the maths.

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Here’s a few hot tips to help you cut the cost of cooking.

Load whatever your rustling up with cheap veg. It’s not only healthy, it will help it go much further.

Stick a tin of baked beans into a shepherd’s pie or a Spaghetti Bolognese – it will add to the mix and provide more meals.

Watch your portion sizes. What’s left on plates goes in the bin. What’s left in the pan or on baking dishes can go in the freezer to be enjoyed another day.

Cook in bulk. It takes minimal effort – and cost – to make twice as much spag bol. Then either take the other half to work for packed lunches (nice!) or stick it in the freezer to enjoy another time.

Before you fling anything in the freezer, stick a label on it. It might look like a lasagne now, but when it’s frozen solid, it can be difficult to tell.

Use freezer bags, plastic boxes or storage bags to keep your freezer organised.

Freeze food and leftovers in single size portions so you don’t need to defrost a family-sized meal when you’re cooking for one. It will only go to waste.

When you unpack food shopping, get in the habit of popping as much as possible into the freezer. Keep a sliced loaf in there and then just take out individual slices for toast and sandwiches.

You’d be amazed at what can be frozen. Even left-over beer and wine make great ice cubes.

Make it a regular habit to have a ‘use-it-up’ meal. Go through your fridge and cupboards and get out anything that’s about to go out of date – then get creative!

Slow cookers are a game-changer. Not just because you arrive home from work to a hot meal and an amazing smell, but you can use cheap cuts of meat and random ingredients and still produce something that tastes great. Most of them use less energy than a light-bulb as well.

Grow your own veg. Even if it’s just some tomatoes in a Grow-Bag on a windowsill. You won’t believe how much better they taste than those that come in plastic bags from the supermarket. And they’re so cheap to produce.

You can’t beat a stir-fry. Quick turnaround time when you’re starving, healthy as they use so little fat, any vegetable tastes amazing – even broccoli! – and you can chuck anything in and know it will taste amazing.

Saving a few quid here and there might seem like too much faff, but it all adds up. When you look at how much food goes in the bin and add up the cost, it can leave a bad taste in your mouth. Just do one thing a day and you’ll see – and taste – the difference.

Five tips for saving on your weekly shop

Mon, 10 Jul 2023 18:41:14 GMT

Doing the weekly food shop rarely comes with many surprises, but over the last few months, many got an unwelcome shock when their usual weekly shop came with an unusual price tag.

Food bills are predicted to rise by £454 this year , higher than previous predictions. Back in April, researchers at Kantar estimated that the cost of an average annual shop would go up by £280. However, that previous estimate has risen to nearly £400.

The current cost-of-living crisis is seeing inflation affect every aspect of life and that includes in the weekly shop. Luckily, United Insolvencyis here with another list of tips and tricks to help cut the receipts back down to size.

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Go own brand

It’s time to put that Innocent branded smoothie and Starbucks coffee blend back on the shelf. It’s easy to get attached to the happy faces and fancy branding on the packet, but own brand options are available on basically every shelf in the supermarket now and most of the time, you can’t even tell the difference.

Many shops have introduced variations on their own brand products, with wonky selections for veg, fresh produce and saver products, being even cheaper than own brand. For many of these products, the difference is sometimes negligible in quality but substantial in the overall cost. Some estimates suggest an annual saving of £1,200 and a weekly save of £23.45. Not bad for switching your Heinz beans for Asda’s own.

Loyalty Cards

We’ve touched on these handy little cards in previous lists, but no shopping saving tips would be complete without them. Loyalty cards are a great way to rack up bonuses and deals on your weekly spend. Pretty much every store has them and many come with some sweet sign-up bonuses to boot.

Using a loyalty card can nab you some decent savings over time, such as 50p off your Tesco meal deal or extra nectar points on products you regularly buy. If you do your weekly shop at the same store each week you can easily rack up enough points for a full shop (or two) a year! That’s potentially a saving of £30-£40 a year on top of any savings made on promotional offers.

It’s easy to get addicted to seeing your Nectar points add up or get overly excited when you see the big yellow Clubcard price box, but always make sure you’re shopping the best deal and only buying what you need.

Just because you’re being told you’re getting a good deal doesn’t always mean you are. So, have your loyalty cards at the ready but continue to shop around, and do your own research, before swearing loyalty to anyone.

Cashback Apps

There are few times where the term free money truly applies and admittedly it also doesn’t technically apply here, but cashback services are a great way to get a percentage of money back on your purchases.

There’s a wide selection of apps, websites and even bank accounts to choose from that offer varying percentages back on your purchases but, generally, the kings appear to be TopCashback and Quidco. These free apps are great for getting a percentage back on your everyday purchases, and, with the latter, actual free promoted products.

Currently promotions app GreenJinn is a favourite, with its free promoted products. While testing, we managed to get roughly £10 worth in freebies including: drinks, nature bars and alternative milks. All of which was completely free, with a full cashback reimbursement. Though with offers like 7% back on purchases at boots, 5% at Asda and up to 25% off at Curry’s with TopCashback, these apps have the real potential for some serious savings.

Make Shopping Lists

Yes, this is an obvious one, but chances are you’re still not actually doing it! Sure, you think you have it all locked in the brain box but then you’re three aisles into Aldi picking up pasta sauce and breakfast biscuits despite having a stockpile back home.

It’s time to admit defeat to the parents who said, ‘I told you so’ and start writing your shopping list, before your weekly trip. By writing out your list you’ll be able to better plan out your meals each week, cut down on impulse buys and lower the time spent browsing.

Luckily, gone are the days of pen and paper lists and there’s a wealth of great shopping list apps like Anylist, Mealime, and Our Groceries, that not only help you write out lists but give tips and meal ideas.

Try somewhere cheaper

Look, we’re sure you and Sainsburys had some great times in the past but it’s time to admit that Aldi is just a better partner for you.

This is the number one tip to cut down spending, and the first you’ll hear from any budgeting expert; value supermarkets are the number one way to slash your weekly spend. In January 2022, it was estimated shoppers could save 37% of their shopping budget switching from a supermarket like Waitrose to Lidl.

Switching from the more expensive shops like M&S and Co-op to the likes of Aldi and Lidl, could see your shopping spend move down from triple digits to double. This rule can still apply even if you’re an existing savvy saver. If you already call Aldi your second home, consider trying Home Bargains or Iceland. While some of these might not provide all the necessities, they could tick off some of your regular items before your regular food shop.

As with all these options, you won’t know till you investigate the aisles yourself, so learn to love deal hunting and shop around to maximise your shop savings.

Benefits

Mon, 10 Jul 2023 18:33:57 GMT

It’s no secret that the benefits system in the UK can be quite confusing to those not in-the-know, especially considering that incoming governments bring with them new changes that can complicate things further.

But the bottom line has always remained the same: you could be entitled to financial support depending on your personal circumstances.

The benefits system in the UK is set up to aid those who are:

Unemployed and actively looking for work
On a low income
Living with a disability
Bringing up children
Retired
A carer
Too ill to work

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Universal Credit

One of the most common benefits is Universal Credit, which supports working-age people (e.g those who are under the State Pension Age) on a low income. It was brought in to replace several ‘legacy’ benefits, such as Income Based Job Seeker’s Allowance, Income Support, Working Tax Credit, Child Tax Credit, Housing Benefit, and Income-related Employment and Support Allowance.

Universal Credit is a means-tested benefit, meaning that your income and capital will determine how much financial support you receive. If you have capital under £16,000, you could be eligible for Universal Credit. For more information, head to the GOV.UK website.

New style Job Seekers Allowance (JSA)

Another common benefit is Job Seeker’s Allowance, which you could be entitled to if you’re unemployed or working 16 hours a week or less.

Unlike Universal Credit, JSA does not take your capital into consideration however, it is a contribution-based benefit. This means that your eligibility depends on whether you have paid (or been credited with) enough Class 1 National Insurance contributions in the full 2 tax years prior to your claim. Other elements, such as receiving private pension or other earnings, will affect your eligibility. For more information, head to the GOV.UK website.

New style Employment Support Allowance (ESA)

ESA is aimed at those under State Pension Age who aren’t able (or have limited capability) to work due to an illness or disability and are not in receipt of Statutory Sick Pay.

As with the New Style JSA, ESA is a contribution-based benefit. This means that your eligibility depends on whether you have paid (or been credited with) enough Class 1 or 2 National Insurance contributions in the last two full tax years prior to the year you claim.

Good to know: the ESA benefit doesn’t factor in any savings that you (or your partner) have, and most of your income isn’t taken into consideration however, if you are receiving a personal pension this may affect the amount you receive. For more information, head to the GOV.UK website.

Pension Credit

This means-tested benefit is aimed at those who are on a low income and have reached State Pension Age; it tops up your weekly income, with additional amounts being paid if you are severely disabled, or a carer for someone who is.

For more information, head to the GOV.UK website.

Housing Benefit

This benefit aims to support those on low incomes in paying their rent, and is provided through your local council.

Housing Benefit is means-tested, and you can claim it if:

You (and your partner, if applicable) have reached State Pension Age
You (or your partner, if applicable) have received Pension Credit prior to the 15 May 2019
You live in supported, sheltered or temporary accommodation

For more information, head to the GOV.UK website.

Council Tax Reduction

This means-tested benefit is provided by your local council to assist those on a low income with their Council Tax bill.

As this benefit is localised, the support you receive will depend on the rules of your local council. It is available to people who live in rental properties or homeowners.

For more information, head to the GOV.UK website.

Personal Independence Pay (PIP)

PIP is aimed at those between 16 and State Pension Age who have additional care needs due to an illness or disability.

This benefit is not means-tested, and it’s made up of two components:

Daily living: the extra help you may need with everyday tasks including cooking, washing, dressing, bathing, communicating and managing money.
Mobility: this takes into consideration how far you can walk and any difficulties with making a journey.

There are many more benefits the government provide that you could be eligible for. If you don’t fit into any of those mentioned above, you can use the Entitled to benefits calculator to check which benefits you’re eligible for.

How to cut down on subscription costs

Mon, 10 Jul 2023 18:22:54 GMT

Subscription services can often be a good way to streamline costs and get some monthly comforts to make the start of every month a little more exciting. Still, subscription services can sometimes get out of hand and before you know it, a huge chunk of your pay check can disappear in the blink of an auto-renewal.

In our continued series of blog posts intended to help cut the cost of everyday living, we’ve put together some handy tips for managing your subscription services and finding ways to cut those annual payments back down to live.

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Switch out tv subscriptions

With Netflix no longer raining supreme as the only streaming service, it can be easy to get drawn in with Disney for your Marvel shows, Netflix for Stranger Things and HBO Max so you don’t miss the fiery premieres of House of The Dragon. Before you know it you’ve got three direct debits coming out each month and more tv than you could possible watch.

Thing is, most of these big premieres are usually spaced out, meaning you can always cancel whichever ones you aren’t currently using and resubscribe when the next big thing is released.

By simply keeping up with what you want to watch and making sure to cancel your direct debit, you could seriously reduce your subscription bill without having to miss out on the quality tv you actually care about rather than endlessly scrolling for something new.

Look for free trials and sign up offers

It can be easy to miss out on entire free trials, extra months, and discounts by going straight to the sign-up screen without shopping around.

But a simple half an hour of internet sleuthing could net you an extra three months trial, 20% off on a year subscript and other new user offers you could miss out on. These offers can come up at random or through specific retailers, such as a recent offer for Paramount Plus that nets users a free month for signing up or Disney Plus’ September sign up offer, that gets users a month for just £1.99.

You never know what deals you might be able to get but its always worth doing a search on coupon sites, through Honey or on sites like HotUkDeals to see what you can find.

If you don't ues it ... LOSE IT!

Look, we all want that perfect gym routine but if the last time you regularly got your sweat on was weeks ago, it might be time to admit it isn’t going to happen. It’s a well-known secret that gym’s make a large margin from people who never, or rarely, step through the doors and you don’t want to be one of them.

There are a lot of subscriptions like this, ones we’d like to use more or finally add to our weekly routine but if it’s not in use the only thing its doing is eating at your monthly budget! If you really feel guilty for cutting out the gym, there are plenty of free home workouts and going for a run around the park are good replacements.

Ask what's a luxury and what's essential

A monthly magazine, coffee or book subscription can be a real treat at the start of each month but sometimes you have to ask yourself, do I actually need it? Chances are 90% of the time a subscription is a luxury and something that can be cut when times are hard. Subscription services usually work by automating an element of your life at a premium, getting you to commit monthly to something you either don’t always need or could purchase separately as needed. This means that subscription services are almost always a luxury item that don’t always need month on month.

Of course, if this subscription feels essential to you, then keep it. With managing your budget its important to be realistic with yourself to ensure you stick to it and remain on budget rather than lapsing with spending. If you’re smart with your money and feel you have accommodated for that monthly premium coffee blend, then let it be. However, if your magazine subscriptions are pilling up unread, chances are you could do without it.

Can You Get Tax Credits Overpayment Written Off?

Mon, 10 Jul 2023 18:16:06 GMT

Tax credit overpayments can happen for a few different reasons – but, most commonly, they happen if your circumstances change but you don’t tell HM Revenue and Customs (HMRC) in time.

If you’ve received tax credit payments but your entitlement has changed, you may end up with a tax credit debt.

In this guide, we’ll look at tax credit debts in more detail – including:

What kind of situations can lead to a tax credit debt
Can a tax credit debt be appealed against or written off?
What you should do if you’ve realised you’ve had tax credits overpayments
Some helpful contact details for HMRC

We’ll also answer a few commonly asked questions about overpaid tax credits, so you’ve got all the information you need to take your next steps.

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What are tax credits?

Tax credits are a kind of benefit that the government pays to people, either:

if you have children, and/or
you earn under a certain amount

This means there are two different types of tax credit – working tax credit and child tax credit.

Tax credits are ‘means tested’ – which means the government considers your financial circumstances (including how much you earn and how much you have saved) before deciding how much you can get.

You can either claim by yourself or with a partner. If you claim with a partner, your combined income and circumstances will be means tested.

Tax credits are usually paid directly into your bank account every 4 weeks, by a direct payment.

Why might a tax credit overpayment happen?

Overpayments usually happen because of the way that HMRC works out your tax credit entitlement. How much they think you should be paid is based on your financial circumstances the last tax year.

The tax year runs between 6 April and the following 5 April. So, HMRC will look at your circumstances for this period to decide how much you’re going to be entitled to for the following 12 months.

If this estimate is too low, they could end up paying you more that you’re officially entitled to.

Other reasons for tax credit overpayments

Underestimating your following year’s financial circumstances is the most common reason tax credits are overpaid – but there are other reasons.

Late reporting

If you leave it too late to tell HMRC about a change that causes your entitlement to drop, you could get an overpayment. Typical changes might include changes in working hours or a child leaving full-time education.

Under-estimated earnings

If you underestimate how much you’re going to earn for the year, you might end up being paid too much working tax credit.

HMRC delays

If HMRC take too long to process changes they’ve been informed of, they may end up paying you too much.

Claimant error

If you make a mistake on a tax credit claim or renewal form, you could end up with tax credit overpayments.

HMRC error

If HMRC make an error (whether that’s a system problem or a human error) with their tax credits system, you may end up with more than you’re entitled to.

HMRC investigation

HMRC sometimes starts investigations if they feel like someone has tried to misrepresent their circumstances to claim more than they’re entitled to.

Late renewal forms

If your claim form or renewal form is sent to HMRC late, they may end up working off out-of-date information and therefore make a tax credit overpayment.

Do you have to pay back tax credit overpayments?

In short, yes, you have to pay back any tax credit overpayments that have been made.

As far as HMRC are concerned, if you’ve been paid something that you’re not entitled to, it will need to be recovered from you.

As you can see, there are numerous reasons why you might get tax credit overpayments – from HMRC mistakes right through to investigations around possible fraud.

Unfortunately though, it doesn’t matter who is to blame for your overpayment. Whether it’s a problem with the info you give HMRC or something they’ve done wrong, you’ll still be expected to pay any overpayment back.

How to manage your money in a recesion

PAR002_123@heg.com — Mon, 10 Jul 2023 14:56:24 GMT

The ongoing cost of living crisis is being driven by high inflation and even higher costs. But with further price hikes expected and the economy on track to fall into a recession within a matter of months, you might be wondering what this means for your finances.

It’s normal for the economy to experience extreme highs and lows from time to time, but by sitting back and waiting for a recession to blow over, you could be putting yourself and your finances at risk.

In this blog, we’ll let you know how to manage your money before and during a recession so you can protect your pennies and avoid making minor money mistakes with major consequences.

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Reduce your spending

With a recession brewing, reducing your spending can help you get a firm grip on your finances and put some spare cash aside for unexpected expenses, such as a job loss or drop in income.

It can also help you live within your means and get better at budgeting which are skills that can have a positive impact on your finances before, during, and after a recession.

This can be easier said than done but by thinking about how your finances would fare if the economy was to slip into a recession tomorrow, for example, it can inspire you to slash your spending and cut costs wherever you can.

From cancelling unused subscriptions and selling unwanted clothes to switching to a discount supermarket and signing up for loyalty programmes, there are countless ways to reduce your spending that can help you spend less than earn and, more importantly, recession-proof your finances.

Bulk up your savings

The lead up to a recession is the perfect time to do some damage control and bulk up your savings.

Whether you’re worried about keeping your job or just want to ensure you’re prepared for the worst possible scenario, it can help you meet your essential costs and avoid being forced to miss a rent or mortgage payment.

The figure you should be aiming for is unimportant but most financial experts agree that a minimum of three to six months’ worth of living expenses is enough to bridge the gap when the economy, or your job, is hanging in the balance.

Don’t panic

In the midst of a cost-of-living crisis, it’s normal to be worried about what a recession could mean for you and your finances. But with everyone in the same boat, there’s no need to panic.

There is nothing you or – despite their best efforts – the government can do to prevent the economy from falling into a recession and panicking will only exacerbate any negative feelings you have and make things worse than they need to be.

With financial experts confident a recession will take place before the end of the year, getting your finances in order and remaining cool, calm, and collected will put you in the best possible position to come out on the other side unscathed.

Clear your debts

When a recession hits, it can be difficult to know whether you should tackle your debts or wait until the economy finds it feet again. But if your income also takes a hit, you can end up not only struggling to repay your debts but sinking even deeper into debt.

With the economy expected to get worse before it gets better, you should aim to clear your biggest debts before you’re left with no choice but to miss a monthly payment as this can have a negative impact on your credit score and you could be threatened with legal action.

With more obligations to cover and creditors only likely to ramp up their collection efforts, it can give you more breathing room in your budget for both essential costs and unexpected expenses.

Budget for everyday and emergency expenses

It might seem daunting but with a recession on the cards, there has never been a better time to get into the habit of budgeting for both every day and emergency expenses.

Whether you just want to set aside some spare cash for the weekly food shop or build a cash cushion for those months when your wages fall short of your essential costs, it can help you get a firmer grip of your finances and keep track of what’s coming in and out.

It can also prevent you from being forced to dip into your savings or overdraft to cover the cost of everyday essentials with this only likely to lead to further financial problems down the line.

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Ways to Save on Your Summer Holiday Flights

Cheap as Chips! Tasty Ideas for Packed Lunches

Hot Tips to Cut the Cost of Cooking

Five tips for saving on your weekly shop

Benefits

How to cut down on subscription costs

Switch out tv subscriptions

Can You Get Tax Credits Overpayment Written Off?

What are tax credits?

Tax credits are a kind of benefit that the government pays to people, either:

Why might a tax credit overpayment happen?

Other reasons for tax credit overpayments

Late reporting

Under-estimated earnings

HMRC delays

Claimant error

HMRC error

HMRC investigation

Late renewal forms

Do you have to pay back tax credit overpayments?

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How to manage your money in a recesion