The Latest Moneybright Deals!

Here are some of the deals that the Moneybright Deals team found today from Boots the Chemist in Manchester. There’s a summer sale going on for the previous season’s good, so it provided the perfect opportunity to look for some incredible bargains. Here are some of our favourites:

Up to 50% off selected fragrances


DKNY Be Temped EDT – Was £60 now £33.33
Jimmy Choo Flash EDT – Was £36 now £18

1/3 off Gillette Fusion range


Was £12 Now £7.99

Buy one get one free on the L’Oreal Paris Men Expert


Buy any two, and the cheapest is free

Half price on Philips shavers


Philips Series 7000 wet and dry shave S7370/12 Was £270 Now £135

Half price Babyliss straighteners


Babyliss 3Q straighteners Was £90 Now £45

Half price on sunglasses


Including Ted Baker, French Connection, Barbour and Converse lines

Gro Company Grobag baby sleep bag


Was £35 Now £26.25

Half price Mini Club clothing

Buy one get one free one photo frames

Save 1/3 on St Tropez self-tanning

More than half price on Real Techniques make up brushes

Was £22.99 Now £10.99

*Prices and stock are subject to availability and were in-store on the 3rd August 2017.*

Tesco first supermarket to pay tampon tax on behalf of customers

Supermarket becomes first of the bug four to cover “unfair” tampon tax

Tesco have become the first supermarket to cover the “tampon tax” – allowing millions of customers to take advantage of tax-free sanitary products.

Nearly one hundred items are considered “luxuries” under current taxation rules – meaning inflated prices on products, which most women cannot live, a normal day-to-day life without.

Speaking to the Metro, Michelle McEttrick, the group brand director for Tesco, says, “For many customers, tampons, panty liners and sanitary towels are essential products.

‘However, the cost of buying them every month can add up and for many women and girls, it can be a real struggle on top of other essential items.

‘That’s why – as a little help for our customers – we are reducing the cost of these products by 5%.’

Which means that current products will fall to under £2. The saving will be about 10-15p per item.

The charity, Freedom4Girls, released data demonstrating “period poverty” – the growing number of young women who, unable to afford proper sanitary products, were resorting to using socks. Their attendance records at school were affected as a result.

What is tampon tax?

When the UK joined the European Union in 1973, they signed up to a raft of new tax laws, some of which included the taxation of sanitary products at 17.5%.

While this was reduced to 5% in 2000, the problem is that it is very difficult to get rid of tax once it has been signed under EU law. In order for it to take place, all 28 countries that make up the common market must vote.

Ireland is the only member of the EU whose current tampon tax stands at 0%. This is because they didn’t tax these items when they joined and were allowed to keep it that way.

It’s all part of the strange world of tax – a world where tampons are taxed and Jaffa Cakes aren’t.

Whether it’s a bold PR move or a philanthropic statement from Tesco, we’re unsure. But it might be the beginning of a turning of the (crimson) tide for this most unfair of taxes.

The Latest Moneybright Deals!

Here are some of the deals that the Moneybright Deals team found today from B&M store in Manchester. There’s a clearance sale going on for the previous season’s good, so it provided the perfect opportunity to look for some incredible bargains. Here are some of our favourites:

Kingsize Luxe Maison Jessica Jacquard Panel Duvet Set

Was £24.99 Now £4.99

This is £20 off some very luxurious bed sheets which can help add from extra class to your bedroom! Pack comes with one duvet cover and two pillowcases with jacquard detailing.

Boutique Luxury Heavyweight Vinyl Wallpaper

Was £10.99 Now £4.99

Decorating your house can be very expensive, but with half price wallpaper, it doesn’t have to be. There was actually quite a large selection of half price wallpaper in store, ranging from plain paper to heavily decorated products.

Tilbury Nest of 3 Oak Tables

Was £59.99 Now £39.99

Three tables for under £40? Yes please! Incredible value here, as table nests provide a lot of options and if you need some space they can neatly be stacked together. Great for reception rooms.

Yankee Candle

RRP: £15 approx B&M: £6.99

Yankee Candles are a lot more expensive elsewhere, and I think B&M stock the cheapest we’ve seen. There were other fragrances than Frosted Cinnamon but with only five months until Christmas (and let’s admit, there’s a six week run up to it), it might be wise to stock up now!

Men’s Pyjamas

Clearance: £5

There was a good selection of fun, cotton pyjamas for men in B&M, many in the clearance sale for £5. These are shorts and tshirt for bed, so great for summer.

Cristiano Ronaldo

RRP: £34.99 Now £12.99

This three pack of designer undies are less than half price in B&M, which works out at just over £4 per pair. There are a range of colours and patterns, and you get a free pic of Ronaldo in his smalls on the front!

George Foreman Grill

Was £24.99 Now £14.99

Diets have never been more fun! These lean mean grilling machines make incredible chicken, fish, sandwiches and vegetable all ideal for the health conscious diner!

Jakarta Solid Wood Garden Bench

Was £49.99 Now £19.99

We thought this was an absolute steal and are planning a return trip when we’ve cleared the space in our car! We’ve sat on this and it’s very stable, so two big thumbs up to B&M!

*Prices and stock are subject to availability and were in-store on the 27th July 2017.*

Posted on in Shopping.

Have you ever broken the law?

Have you ever broken the law? You may consider yourself a law-abiding citizen who upholds a certain standard. But surprisingly, and according to new data, when it comes to us Brits breaking the law, it’s a case of ‘when’, not ‘if’.

New data, which has just been published, indicates that you will have broken the law thirty two times on average in the past year.

Think you’re an innocent party? Consider these easily committed offences. Ever vacuumed the house after 6pm? Flown a kite in the park? Used a fake name on the internet?

These fairly harmless sounding everyday acts are actually offences under UK law.

You also may not know that it’s treason to stick a postage stamp with the Queen’s head on upside down. And not declaring a plastic bag at self-service checkout is essentially stealing.

Thanks to information on what constitutes an offence and what is simply a misdemeanour, 98 per cent of Brits have confessed to breaking the law without realising at multiple times throughout the year.

In fact, the one crime that the majority of us have confessed to do is buy alcohol under the age of 18. Sound familiar?

Which of these have you done?

  •      Beeping a car horn for any other reason than alerting traffic
  •      Not paying for a carrier bag at a checkout
  •      Sticking a postage stamp upside down on an envelope
  •      Using someone’s Wi-Fi without their knowledge
  •      Using a fake name on the internet
  •      Singing lewd football chants on the street
  •      Throwing cutting back over neighbour’s fence
  •      Vacuuming between 6pm and 8am on a weekday or between 1pm and 8am on the weekend.
  •      Playing knock-a-door-run (knocking on people’s doors and running off)
  •      Flying a kite to the annoyance of others
  •      Pocketing the incorrect change in a shop

The data was carried out by BT to launch the new series of Better Call Saul, the spinoff from the critically-acclaimed Breaking Bad.

The BT spokesperson commented on the findings, “The research shows there’s definitely a need for his services as Brits are not as law-abiding as we think.”

Save £££ on your yearly food bill with these nifty tips

Billions of pounds and millions of tonnes of food are wasted every year by households in the U.K.

According to Waste & Resources Action Programme, we throw away seven million tonnes of food at the cost of £13 billion.

Every day, six million potatoes, three million apples, one million bananas, a million unopened yoghurt pots and nearly half a million ready meals are thrown in the bin.

However, there is an easy answer to this wastefulness. One of the biggest solutions to food management in your house is the humble freezer.

The freezer acts as a pause button to your food – which means you can get them out when you have the time, and make something incredibly delicious with them. Which is so much better than hurling them into your green wheelie bin.

Potatoes – store them in a dark cupboard rather than in the fridge or out on the side in daylight

Apples – store them in the fridge to add weeks to their lifespan

Bananas – when they’re turning brown, peel them and throw them in a sandwich bag into the freezer. They can be turned into ice cream by whizzing them up in a blender.

Yoghurts – Again, yoghurt, which is about to expire, will make a great ice cream base. Freeze it and whizz it up with some strawberries or bananas when you want to make a healthy treat.

Fish and meat – Keep an eye on the expiry date. If you’re not going to use it before they expire, freeze them. When you next have a recipe which requires the ingredient, whack it straight from the freezer into the pot.

Beware of sell by dates too. The date printed on the packaging is not necessarily the day that it becomes inedible. When it comes to something perishable, like chicken or fish, the use by date will be a clear indicator that it needs to be eaten before then. However, things like cereal, vegetables – even milk sometimes – can be consumed after the date.

Best before end is more to do with the quality and is used for frozen, dried or tinned foods.

Labels like “consume within”, “sell-by” and “display until” is an indicator to shops to shift stock, and plenty of food can be enjoyed days after these dates pass.

 

GDFC is back offering householders affordable energy efficient home improvements

The organisation was set up to offer householders a chance to apply for home improvements while paying for them through their energy bills.

These were originally offered though the Government, but are now being funded by private investors.

The GDFC was founded with the aim of helping people make their homes more energy efficient and reducing energy bills in the long run.

Homeowners can take out loans to pay for energy efficient measures that are then paid back through their energy bills over a set period of time.

Back in 2013, the Green Deal was set up by Government to allow consumers to afford energy efficient home improvements by paying back through gas and electric bills.

However, due to low take up, it was shut two years ago but has recently relaunched. Under the new scheme, which is currently being soft launched, there are six green deal providers (GDPs) offering the loans and installation and this number is set to increase by the full launch at the beginning of October.

Boilers will be the main focus of the campaign, but details on insulation, ground source heat pumps and air source heat pumps will be also made available.

While no details have yet emerged on the difference between the government-backed project and the private investor-relaunch, the GDFC have commented that the consumer will experience improvements in the way loans are applied for, and the general online user experience.

But essentially, the overall benefit will be that the cost of these fairly sizeable undertakings will be paid back through the monthly payments of electricity bills.

The loans on offer are designed to last as long as the estimated life of the energy efficient measure installed, up to a maximum of 25 years.

So according to ThisIsMoney.co.uk, if you took out a loan for £3,000 for a new boiler and the boiler had a 12-year term, the loan repayments would be calculated at £250 a year, or £20.80 a month, plus interest of 9.5 per cent on the decreasing loan.

However, the GDFC says these loans are designed to be ‘cost neutral’ as the theory is the energy efficient measures lower a household’s yearly bills, and the repayment comes from the savings made on energy costs.

While the payments are low, there is still a relatively high rate of interest applied to the loan and the longer the term, the more interest you will end up paying.

However, it is possible to pay it back sooner without penalty and there are no late payments fees either.

The GDFC says that when compared to traditional unsecured consumer credit, these loans will have a higher acceptance rate because the overall default rates will be low. It also says it’s an attractive offer as the loan is part of package which includes installation, so homeowners don’t have the hassle of sourcing finance and then arranging installation.

 

House buyers hit by heavy mortgage fees as lenders cut interest rates further

The battle to get on the property ladder has become even harder after borrowers have been warned about inflated mortgage fees, as competition rages on regarding interest rate prices.

The competition for mortgage lenders is growing fiercer by the week – with some of the lowest rates on record, particularly on fixed rate home loans.

Despite the bottom rate deals available, lenders are looking to make up on lost revenue by finding other ways to boost their bottom line.

According to the latest research, fixed rate mortgages are now at their highest levels since August 2013. Arrangement costs are now way past the £1,000 mark.

“Some of the lowest deals on the market have fees of around £2,000, and some borrowers are being asked for even more,” warns Charlotte Nelson, finance specialist at moneyfacts.co.uk speaking to independent.co.uk.

“The largest fee on a fixed rate mortgage is sitting just shy of £4,000 on a deal for professionals only. As fees vary wildly even within just one provider’s mortgage range, it leaves many borrowers questioning what they are for and what they would gain from paying extra in fees.

“It seems wasteful when there are fee-free products out there,” Nelson adds. “That said, a low rate with a high fee does tend to favour those borrowers purchasing properties at the higher end of the housing market, so the advantages of a fee-paying versus a fee-free product will depend on personal circumstances.

Which means that while mortgage lenders tempt buyers with low rates on deals, it could mean they are adding the costs onto other fees. So is now is the best time to bag a great mortgage deal? Research the fine print to your mortgage agreement and make sure you account for all fees being charged, or that seemingly cheap offer may actually be quite misleading.

 

House prices fall over fears of a market crash

House prices have reportedly fallen in the second quarter of 2017 over fears the UK could be experiencing a crash in the housing market.

The news comes in the wake of a significant decrease in the number of surveyors reporting a rise in house prices.

Halifax showed a steady fall in the month of June, in figures released this week.

Housing industry experts have commented that this fall has been a long awaited dip, which should correct over inflated house prices in the UK.

The signs of the slowdown came as the UK Residential Market Survey – one of the most highly regarded publications in the sector – was released.

The Survey is widely seen as one of the best indicators on the state of the house price affairs in the United Kingdom.

While some economists have played down the fear mongering, there is general anticipation from homebuyers.

According to the ThisisMoney website, Howard Archer, chief economic adviser to the EY Item Club, a consultancy, said: ‘I expect the survey to be pretty soft on the activity front again, with buyer enquiries, agreed sales and instructions to sell all muted.

‘It may well be that heightened uncertainty after the General Election weighed down on an already fragile housing market in June.’

While the results don’t hint at a full on crash, there is a perfect storm of circumstances, which could mimic the house price collapse of the 1990s after the stratospheric increases on property in the past five years.

However, The Mail on Sunday last weekend reported that Britain could be on the brink of a major 1990s-style house price collapse, according to an academic at the London School of Economics.

Professor Paul Cheshire, who has advised the Government on housing policy, said: ‘We are due a significant correction in house prices. I think we are beginning to see signs that correction may be starting.

Many industry insiders have remarked on the decrease in London spreading out to the rest of the UK is a key indicator of the boom slowly turning into a bust.

The UK housing market is well known for its volatility, and commentators say it is this, combined with Brexit fears, an unsteady government, a protracted period of austerity and a shortage of housing could result in a crash.

However, other corners have hit back claiming histrionics and exaggeration. Noble Francis, economics director of the Construction Products Association, speaking to ThisisMoney said: ‘The data would suggest the housing market has slowed. If it were to slow further that wouldn’t be a major surprise, but there’s no data that suggests a collapse.’