Call comes as the charity struggles to find homes for all animal companions after record number of people look to put their pet up for fostering after being made homeless
Animal care charity Pet Fostering Service Scotland is calling for an end to restrictive housing policies after its service has seen a record number of people looking to put their pets up for fostering.
The charity has seen over 1,000 enquiries to use Pet Fostering Service Scotland’s aid this year, a rise in over 20% compared to last year, and is now unable to find a foster home for all pets of owners in need, which could result in pets not having a safe place to stay.
With pets often abandoned by the people they depend on for care and support, Pet Fostering Service Scotland helps those in emergency situations who are eager to keep their furry companions.
Due to a multitude of reasons, pet owners can experience serious disruption to their home lives, often resulting in the dilemma of how to survive whilst also keeping their beloved pet.
Pet Fostering Service Scotland is a charity which has been supporting pet owners for 40 years. Now, the charity is calling for a ban on restrictive housing policies.
Those who have been evicted and made homeless can often feel there is no option other than to abandon their pets. According to the charity implementing less restrictive housing policies could avoid situations like these taking place.
Often accommodation for those who have either been made homeless or require refuge has a no pet policy. There has also been a rise in pet owners looking for new accommodation that accepts pets, currently having to wait one year for suitable housing to become available.
As a result, Pet Fostering Service Scotland has had to put pets into fostering for a year or longer, which is detrimental to the animal’s health as it is too long a period. This can also be distressing for owners due to the loss of consistent and familiar companionship provided by pets.
The cost-of-living increase has had a significant impact on finding temporary accommodation for those who have been made homeless, as most housing options exclude the homing of pets.
Pet Fostering Service Scotland has processed over 1,000 enquiries for pet care across Scotland this year. 37% of those were from people in a homeless or re-housing situation and as a result could not care for their pets in the short term.
Bob Sinclair Chair at Pet Fostering Service Scotland said:“For those who have been made homeless or are facing an emergency situation, being housed alongside their beloved pet is so important.
“The significance of the companionship between a pet and owner is important for wellbeing for both sides. Changing restrictive housing policies and allowing pets into temporary accommodation could be life changing for these individuals and result in far fewer abandonment scenarios.”
The Pet Fostering Service is non-chargeable and relies solely on donations for the work they provide, and volunteers can apply to become pet fosterers.
Pet fostering gives volunteers the companionship of a pet without the long-term responsibility and can bring a sense of reward from helping those in need, both human and animal.
The charity currently has over 300 volunteers.
If you are interested in fostering a pet or want to hear more about the charity, please visit https://www.pfss.org.uk/
– Customers can save up to 57% off select toys with savings of up to £60 –
– Barbie, Disney, Pokemon, Hot Wheels & Lego all included in giant toy sale –
– Toy sale available while stocks last –
Morrisons has today launched a huge toy sale across over 50 products with savings of up to £60, to help customers spread the cost over the Christmas period.
Customers can bag a bargain on Squishmallows Stackers which are reduced to £12 from £20 – alongside up to 50% of must-have toys this year from Barbie, Pokemon, Hot Wheels & Lego .
Following the release of Greta Gerwig’s Barbie movie earlier this year, it’s predicted that Barbie will be the top toy seller this festive period.
Morrisons shoppers can bag some Barbie bargains with 57% off the Dream Camper Playset, £60, down from £140 , 50% off the Barbie Best Friend Fairy £15, down from £30, and 30% off the Barbie Pet Supply Playset £25, down from £37.50
For mini musicians, customers can snap up the Academy of Music 54 key keyboard for just £20 reduced from £40, making a saving of 50% as well as nearly 30% off the Mi-Mic Mini Karaoke Speaker With Microphone, £17, down from £23
50% savings are available on other big brands including the Cocomelon Pram for £30 (normally £60), Hotwheels Rhinomite/Bone Shaker for £35 (normally £70) and Peppa Pig Wooden Playhouse for £52.50 (normally £105).
David Catton, Toy Buyer at Morrisons says:“We’re excited to offer our customers 50% off a range of must-have toys.
“With the festive season fast approaching, we hope this huge sale will help customers spread the cost of purchasing Christmas gifts this year.”
Morrisons toy sale is available now in 423 stores while stocks last.
Cost of living crisis brings need for financial literacy in young people into stark reality, says charity
Young Enterprise Scotland is highlighting the importance of financial education for young people during UK Savings Week.
Running from the 18th – 24th September, UK Savings Week is a campaign designed to heighten awareness of the benefits of saving, and creating positive attitudes towards financial resilience.
The call for awareness comes on the back of findings which show just 50% of 12-17 year olds in Scotland recall learning about money management in school (MaPs, 2020). A figure which is concerning in light of the current cost of living crisis.
The charity has created and developed Scotland’s Financial Schools programme to support the implementation of financial education in the curriculum, with the aim that every young person in Scotland is equipped with essential financial skills that will support them into adulthood.
The programme provides practitioners with support and a wide range of resources to develop their own understanding and support their students, including workshops, online modules, and their free ‘’Your Money Matters’ textbook, created through funding and support from Money Saving Expert, Martin Lewis. Featuring tips on budgeting, borrowing, and recognising scams and fraud, the textbook can be accessed for free on their website.
Emma Soanes, Chief Executive of Young Enterprise Scotland, said: “It has never been more important for young people to have the skills and knowledge to set them up for success, and financial education is a key component.
“We are determined that every child in Scotland should have access to financial education from an early age, and we aim to support teachers and schools to deliver this across the country.”
Financial education for young people is central to the work of Young Enterprise Scotland, which works with volunteers from the business community to deliver a future-proof programme of blended learning that is accessible to all. They also work with budding entrepreneurs, nurturing business ideas and supporting young people to bring their ideas to life, whilst developing skills and achieving their goals.
Find out more about Scotland’s Financial Schools here:
‘Stretched to the Limit: Scotland’s Third Sector and the cost of living crisis‘ brings together findings from a survey of the ALLIANCE’s organisational membership in the spring, a detailed case study from one of our members, and a workshop at our annual conference. Taken together, these paint a picture of a sector which is under intense stress.
Amongst the findings of our survey were that 84% of member organisations responding had experienced increased demand for services, yet 61% reported reduction in funding via grants, 76% were facing higher bills, and 48% were unable to give their employees pay uplifts.
Despite these challenges the third sector continues to be a lifeline for many people across Scotland, responding flexibly to the changing needs of the people it supports.
With 88% of organisations saying that they would benefit from longer-term funding arrangements, and funding arising as the focus for discussion at our conference workshop, fair funding tops our list of recommendations, which include:
Ensuring the Fair Work agenda goes beyond funding the Real Living Wage, and instead to pay that is comparable to equivalent statutory sector roles
Tailored support for organisations operating in rural Scotland
Targeted support for energy bills, and in the longer term lower energy tariff arrangements for the third sector
Adopting a human rights based approach to procurement and grant funding
Investing in services that reduce demand for acute interventions from the public and third sectors
The HEALTH AND SOCIAL CARE ALLIANCE SCOTLAND is the national third sector intermediary for a range of health and social care organisations. We have a growing membership of over 3,000 national and local third sector organisations, associates in the statutory and private sectors, disabled people, people living with long term conditions and unpaid carers.
Energy regulator Ofgem has today (Friday, 25 August, 2023) announced a further reduction in the energy price cap for the last quarter of 2023 (Oct to Dec).
The change will bring the average dual-fuel energy bill below £2,000 a year for the first time since April 2022, saving households an average of £151 on the previous quarter.
From 1 October – 31 December, the cap will be set at an annual level of £1,923 for a dual fuel household paying by direct debit based on the current typical domestic consumption values (TDCV) rate.
Direct Debit
Prepayment
Standard Credit
Economy 7 (electricity only Direct Debit)
July – Sept 2023 cap
£2,074
£2,077
£2,211
£1,400
Oct – Dec 2023 cap
£1,923
£1,949
£2,052
£1,298
The drop, the lowest level since October 2021, reflects further falls in wholesale energy prices, as the market stabilises and suppliers return to a healthier financial position after four years of loss making.
Ofgem is clear that it expects all suppliers to continue improving customer service, to support their most vulnerable customers and to shore up their financial resilience to prevent the kind of failures we saw two years ago. Ofgem recognises that there is some excellent best practice across the sector but expects this to be the norm with poor practice stamped out.
Alongside changes to the price cap, Ofgem has also introduced measures to reduce costs for prepayment meter customers and ensure extra support for those facing disconnection from the network.
The price cap savings – which can be passed on more quickly to customers thanks to the price cap updating quarterly – continues the downward trend since prices peaked at £4,279. However, it remains well above the average before the energy crisis took hold in 2021 and the market remains volatile.
Jonathan Brearley, Ofgem CEO, said: “It is welcome news that the price cap continues to fall, however, we know people are struggling with the wider cost of living challenges and I can’t offer any certainty that things will ease this winter.
“That’s why we’ve introduced new measures to support consumers including reducing costs for those on pre-payment meters, and introducing a PPM code of conduct that all suppliers need to meet before they restart installation of any mandatory PPMs.
“There are signs that the financial outlook for suppliers is stabilising and reasonable profits are returning. With the small additional allowance we’ve made to Earnings Before Interest and Tax (EBIT), this means there should be no excuses for suppliers not to be doing all they can to support their customers this winter, and to reinforce this we’ll be introducing a consumer code of conduct which we will look to have in place by winter.
“This code will ensure there are clear expectations of supplier behaviours especially for their most vulnerable consumers with whom suppliers should be reaching out proactively, with compassion and understanding. There are great examples of suppliers already doing this but I want to see this become the norm in such an essential sector that has such a big impact on people’s lives.”
Ofgem understands that while suppliers cannot control wholesale prices or fix the wider cost of living pressures hitting their customers, now the market has stabilised, they must continue improving customer service and ensure that support across the board is accessible, responsive and understanding, including giving time to make pay arrangements and directing customers to further support and advice. They must also invest in strengthening their financial resilience to protect consumers against the cost of supplier failure.
Additionally, while still low by pre-crisis levels, we are starting to see more and more competitive fixed deals coming onto the market and levels of switching are slowly increasing.
With a lower price cap and reasonable profits starting to return, there is an opportunity for this to continue to grow. Anyone considering fixing should weigh up all the facts and consider what is most important to them, whether that’s the lowest price, or the certainty of knowing exactly what they will pay each month.
It’s important customers are comparing fixed deals with the new, lower price cap announced today. Suppliers are expected to ensure they are transparent in releasing all tariff information to enable consumers to make simple comparisons of the deals available to them across the market.
While the price cap has protected households from the full extent of volatility and surges in wholesale prices over the last two years, it was originally introduced by the Government to protect the minority of consumers who did not switch rather than to cover the vast majority of consumers, as it does now.
It is a blunt tool and in the current market it has costs and as well as benefit. It’s important to look at alternative models to examine whether they could work better with the current volatile market and the move to net zero.
Ofgem has also today published:
A Final Decision to raise the Earnings Before Interest and Tax (EBIT) allowance by £10 per customer per year. Most of this increase is to cover Renewable Obligations ringfencing so that customers’ money is protected in the event of a supplier failure.
Removal of the temporary RO ringfencing allowance, worth £8 per customer and covered by the additional EBIT costs above
A new sliding scale for EBIT meaning if prices surge, the EBIT allowance reduces as a percentage preventing suppliers from making excessive cash gains from a high price market
Final decision on the allowance for additional support credit (ASC) bad debt costs – a new allowance to help ensure some of the most vulnerable consumers remain on supply this winter
Implementation of UNC840 in the cap, reducing the PPM premium
Price Cap model technical changes Final Decision
Levelisation Policy Consultation
By raising the EBIT allowance, Ofgem is taking the next step in its drive to make the retail energy sector more resilient, as we move into another difficult winter when price volatility remains a risk.
At the height of the energy crisis around 30 suppliers failed because they did not have enough capital in the reserve to stay in business – and the cost was shared among all energy consumers, adding £83 to bills.
With suppliers only now starting to recoup a portion of their multi-billion pound losses over the past four years, a small increase in permitted profit margins will allow companies to better cover their costs, attract investment and retain financial stability protecting consumers into the future.
Raising the EBIT allowance from its current rate of 1.9% to 2.4% from 1 October will involve an average £10 increase in bills per year. £8 of this will cover costs to consumers incurred by an additional requirement of suppliers to ringfence enough funds to cover their Renewable Obligations, protecting consumers from additional costs should a supplier go bust.
The EBIT rate, which is well within international norms for energy retail profits and lower than most other business sectors in Britain, will also be altered from a ‘flat rate’ to a more flexible model that tracks the price cap level and tapers as low as 1.75% in the event of another price surge in the wholesale market. This would prevent suppliers from making excessive cash profits in a high-cost market.
Strengthening the commitment to supporting struggling and vulnerable consumers, Ofgem is also reducing the cap for prepayment meter (PPM) customers by £51 per year through an updated approach to calculating the costs of unidentified gas, approved in April this year.
Using some of the benefit from this change, the regulator is now able to introduce an initial 12-month allowance to cover increased debt costs associated with Additional Support Credit that is offered to PPM customers, often at the point of disconnection. This new allowance will help ensure some of the most vulnerable consumers remain on supply this winter.
Longer term, Ofgem seeks to permanently end the PPM premium, where prepayment customers are charged more than those who pay by direct debit to cover the additional costs and resources required by suppliers to provide energy via PPM. A consultation is underway with an aim to ‘levelise’ these standing charges by April 2024 to coincide with the end of government support currently in place via the Energy Price Guarantee.
Morgan Vine, Head of Policy and Influencing at Independent Age said: “Today’s Price Cap announcement offers little comfort to older people living on a low income and struggling to get by.
“Our helpline is continuing to hear from people in later life in financial hardship who have been forced to make sacrifices to pay their bills, including eating one meal a day, washing themselves in freezing cold water, and risking falls by not turning on the lights at night.
“Gas unit costs are still well over double what they were in winter 2020/21 and electricity unit costs are up by over half. The fixed incomes of older people in financial hardship simply cannot keep up with these increases. Long term solutions to protect the most financially vulnerable from high energy prices are desperately needed.
“We’re calling on the government to introduce an energy bills social tariff for those in greatest needed, including people over 65 on a low income and those who have high energy consumption due to illness.
“This long term and sustainable solution would offer some protection to people in later life living on low incomes, so they aren’t forced to make dangerous choices now, and as we approach the winter. “
The next quarterly price cap announcement will be in November 2023, covering January – March 2024.
BPS SUPPORTS CAMPAIGN TO MAKE UNIVERSAL CREDIT ENOUGH FOR PEOPLE TO AFFORD TO COVER ESSENTIALS
The British Psychological Society has joined the Joseph Rowntree Foundation (JRF), the Trussell Trust, and other leading health and care organisations and charities to call for an “Essentials Guarantee”, a new law to make sure Universal Credit’s basic rate is always at least enough for people to afford the essentials.
The organisations are warning that so many people are routinely going without the essentials it poses a serious risk to the UK’s health.
Together, they have written to the Prime Minister to express their worry that, as the high prices of everyday essentials like food and housing persist, too many people are expected to live with what can be devastating knock-on consequences.
JRF’s own analysis shows the weekly Universal Credit standard allowance is £35 less than the cost of essential items for a single person, contributing to millions of people forced to use food banks because they can’t make ends meet.
Dr Roman Raczka, President-Elect of the British Psychological Society, and Chair of its Division for Clinical Psychology, said:“Nobody should be in a position of being unable to afford the essentials they and their families need to sustain their health and wellbeing, and it’s clear the current level of Universal Credit falls woefully short.
“Poverty is one of the major risk factors for the development of physical and mental health problems, and we know that children growing up in poverty are three-to-four times more likely to develop mental health problems, which also leads to long-term impacts upon their education, life chances and quality of life.
“If the government is truly committed to preventing health inequalities from widening further, tackling poverty, and reducing pressure on our already stretched and underfunded public services, it must commit to the Essentials Guarantee to protect this generation, and generations to come.”
About the Essentials Guarantee
The Essentials Guarantee would embed in our social security system the widely supported principle that, at a minimum, Universal Credit should protect people from going without essentials.
Developed in line with public attitude insights and focus groups, this policy would enshrine in legislation:
an independent process to regularly determine the Essentials Guarantee level, based on the cost of essentials (such as food, utilities and vital household items) for the adults in a household (excluding rent and council tax);
that Universal Credit’s standard allowance must at least meet this level; and
that deductions (such as debt repayments to government, or as a result of the benefit cap) can never pull support below this level.
The UK Government would be required to set the level of the Essentials Guarantee at least annually, based on the recommendation of the independent process. JRF analysis indicates that it would need to be at least around £120 a week for a single adult and £200 for a couple.
The back-to-school period can be a stressful time for parents and carers, and the current cost-of-living crisis is only set to add to this stress.
Looking to understand the situation parents face this month, UK affordable footwear retailer, Wynsors, has used the rate of inflation to estimate that families face paying 20% more for school uniform than they did back in 2018.
With that in mind, Wynsors has carried out a new survey of more than 1,000 UK parents to understand exactly how much this increased cost of school uniform is affecting their finances.
The results do not paint a positive picture for households across Edinburgh:
Over 3 in 5 parents (70%) in Edinburgh agree that the cost of buying school uniform and supplies puts a strain on their household budget.
Nearly half of parents in Edinburgh (45%) agree that abolishing school uniforms would help to save money.
76% of parents in Edinburgh do not receive any financial support with the cost of new school uniform, and are the least likely to receive any financial help from family members.
With parents spending an estimated £230.40 on average to buy a full set of new school uniform in 2023, households across Edinburgh are having to make cutbacks elsewhere to afford the cost.
More than 3 in 4 parents in Edinburgh (87%) are spending less on new things for themselves (such as clothing) so they can stretch their household budget to cover the cost of buying new school uniform, the highest when compared with other cities in the UK, and 1 in 4 (26%) only buy school supplies and uniform when discounted to do so.
Adam Foster, Retail Directorfrom Wynsors, comments: “As highlighted by this research, the back-to-school period is often a stressful time, but as the UK’s most affordable family footwear retailer, we want to take the stress out of the shopping experience by making school uniform accessible to all.
“From our low prices to our friendly in-store staff, we pride ourselves on helping parents over the last 50 years to get their kids equipped and ready for school.”
The full study, including more information on parents’ attitudes to school uniform and tips for saving money on the back-to-school shop, can be found on-site here:
Almost 8 million people have been overlooked during the cost of living crisis and are now on the brink of serious hardship, Which? is warning.
It comes as new research by the consumer champion identifies 15 per cent of the UK population who are more likely to have turned to credit and buy now pay later schemes (BNPL) during the crisis. These people are at risk of significant financial and mental harm in the months and years ahead as interest rates continue to rise.
Which? surveyed 4,000 people across the UK to find out how different groups of consumers are coping – financially, physically and mentally – with the cost of living crisis. The research highlights that while the vast majority of consumers have been affected by the cost of living crisis, this pain is not felt equally.
The study identified six distinct groups of consumers who are experiencing the cost of living crisis in different ways. These groups are: ‘Drained and Desperate’, ‘Anxious and At Risk’, ‘Cut Off By Cut Backs’, ‘Fretting About the Future’, ‘Looking out for Loved Ones’ and ‘Affluent and Apathetic’.
While much of the government and policymakers’ focus has rightly been on supporting the ‘Drained and Desperate’ group – who are more likely to have household incomes of less than £20,000 and have already had to make severe financial cutbacks, such as skipping meals and not turning on the heating.
Outside of any universal support available like the government’s support for energy bills, this ‘Anxious and At Risk’ category has been largely overlooked.
The ‘Anxious and At Risk’ group contains 7.9 million adults – 15 per cent of the UK population. They tend to be from larger households with children at home and are struggling financially but have just managed to keep afloat by using credit.
However, unlike the ‘Drained and Desperate’ group, they are much more likely to have borrowed money to maintain basic living standards than to have cut back on essentials, such as food and energy.
Six in ten (59%) have increased their debt in the last six months – the highest amongst all groups.They are also more than twice as likely (36%) as the UK population (14%) to have used buy now pay later schemes.
With interest rates continuing to rise, it is only a matter of time before this group is unable to keep up this cycle of borrowing and fall into financial difficulty.
One woman from northern England in this ‘Anxious and At Risk’ group said: “I have to use credit to make ends meet and I worry about debt. I have no safety net for emergencies and I will have to work past state pension age.”
Four in 10 (38%) of this group have a mortgage or loan on their home and worryingly, one fifth (21%) of those with a mortgage are on a variable tracker mortgage – meaning their rates are hiked every time the Bank of England base rate rises.
The Bank of England has raised interest rates significantly in the last year in attempts to combat inflation, meaning those on fixed-rate mortgages who are remortgaging this year will also be faced with massive hikes to their mortgage payments. This could be a major tipping point for ‘Anxious and At Risk’ households.
It is also hugely concerning that millions are heavily relying on Buy Now Pay Later schemes. Previous Which? research shows that many BNPL users do not realise they are taking on debt or consider the prospect of missing payments.
The government must not delay plans to introduce changes to the BNPL industry and ensure that consumers are given stronger safeguards to protect them. This needs to include greater marketing transparency, information about the risks of missed payments and consumer credit checks.
At such a difficult financial time, businesses must also do everything in their power to ease pressures on household budgets. Which? is calling on essential businesses – energy firms, broadband providers and supermarkets – to do more to help their customers and ensure they are providing value for money.
For example, supermarkets need to make budget line items that support a healthy diet widely available – particularly in convenience stores.
Telecoms firms must cancel future mid-contract price hikes and energy firms need to ensure their customer service departments are fully staffed and able to support any customers who are struggling to make ends meet.
Rocio Concha, Which? Director of Policy and Advocacy, said: “Our research reveals that almost eight million people have been left balancing on a financial knife-edge.
“Until now, the government and policymakers have rightly focused on supporting the millions who are already failing to make ends meet, but this ‘Anxious and At Risk’ group is a ticking time bomb.
They are far more likely to have relied on borrowing to make ends meet but with interest rates continuing to rise, it’s only a matter of time before they find themselves facing serious hardship.
“The government must help those most in need by tightening regulation on buy now pay later to stop unaffordable lending and ensuring essential businesses are doing everything in their power to ease pressures on household finances.”
Do you need help to deal with your debt? Granton Information Centre can help: call 0131 551 2459, 0131 552 0458 or email info@gic.org.uk
Parents or carers who get Housing Benefit but don’t receive Scottish Child Payment need to apply for the School Age Payment as they will not receive it automatically.
Additionally, some young parents, those under 18 or 18 to 19 year olds who are dependent on someone else but don’t receive qualifying benefits, also need to apply for the School Age Payment as they will not receive it automatically.
Anyone who has opted out from receiving automatic awards, or who has chosen not to apply for Scottish Child Payment, will also have to apply for School Age Payment
The School Age Payment of £294.70 is designed to help with the costs of preparing for school. Parents or carers of children born between March 1 2018 and 28 February 2019 can apply online at the Scottish Government website.
Clients can contact a client advisor by calling 0800 182 2222 or by using our webchat.
People must apply before the closing date of 28 February 2024. Parents or carers who defer their child’s entry to school from August 2023 to August 2024 should still apply before the closing date.
Metro Bank Offers Tips to Make This Summer More Affordable
Everything is more expensive this year both at home and abroad. A new report[1] has just revealed that the average price of package holidays across five top destinations is up more than 30%, with the holiday costs to some of Brits’ most favoured destinations – Spain, Turkey, Greece, Portugal and Cyprus – up by nearly 12% compared to last summer.
Whether you are planning days out, a staycation or holidaying abroad, Metro Bank has some tips to make this summer more affordable.
“Following our top tips can help keep your summer fun filled but more affordable this year,” said Metro Bank’s consumer guru Mona Patel.
“Whether you are planning days out, a staycation, or are even off abroad, there are always ways to save money.”
Metro Bank Summer Tips:
Online Deals Whatever your plans this summer, check out sites like Wowcher.co.uk which offers deals on UK or foreign city breaks, theatre tickets and theme parks or Groupon.com for everything from afternoon tea to spa breaks – on average you can save 30% using specialist sites.
House swap for a free holiday Sites like LoveHomeSwap allow you to swap your home with any of 10,000 worldwide properties on their site. All these sites charge a fee – LoveHomeSwap will give you a 10-day free trial with membership costs varying from £8 – £12 per month.
airbnb If you are planning to stay with relatives or travel this summer why not airbnb your property and offset some of the costs? airbnbnot only verify guests and offer insurance protection, but they also connect you to a local Superhost to guide you through the process. Typically, fees are a flat service fee of 3% of the reservation subtotal when you get paid. airbnb also collect a fee from guests when they book. In many areas Airbnb also collects and pays sales and tourism taxes automatically on your behalf. One caveat – check that your mortgage provider has no objections. Metro Bank for example lets its residential mortgage customers rent out their properties on airbnb or similar sites for 90 days without impacting the terms and conditions of their mortgage.
Foreign Transactions Choose your credit and debit cards wisely. Always check with your card issuer what additional charges will apply on foreign card transactions before you travel so you can plan and budget accordingly. In Europe Metro Bank’s debit and credit cards have no fees at all whether withdrawing cash, or when paying by card in shops and restaurants.
Cheap Arts Want to see a West End show or London attraction? Sites like todaytix or TKTS London offer same day cut price theatre or attraction tickets. There are more than 25 free museums and 10 free art galleries in London alone. Search for free activities near me to find out what is in your area.
Check out cinema offers. For example, Vue is currently staging Mini Mornings where tickets for kids’ films cost from £2.49 for both children and adults – a fraction of the normal ticket prices.
Off-Peak Travel
Public transport is much cheaper if you travel off peak. In general, off-peak hours begin at 09:30 from Monday to Friday in cities and large towns and at 09:00 everywhere else.
