Freebie: 2 Bottles of Pepsi Max at Tesco

Free Pepsi Max

Smartphone app, Checkout Smart, are offering you a free 600ml bottle of Pepsi Max by uploading your receipt after purchase. Tesco currently have a “buy one get one free” offer on 600ml bottles of Pepsi Max, so you can walk away with two bottles for free. If you don’t have a Tesco near you then you can still claim one free bottle at Sainsbury’s, Asda, Morrison and Waitrose.

The offer expires on 1st February 2015. Checkout Smart is available on both Apple and Android devices.

Poundland Finds January 2015 & £2 off coupon

Poundland Finds - January 2015

January has been a great month for Poundland finds, especially alongside their £2 off when you spend £12 coupon. The coupon expires at midnight on Sunday, 25th January 2015, so be sure to use it soon.

IMG_1432.JPG

Selected annuals – we’ve managed to find the Disney Princess annual a few weeks ago. Other titles include Batman (£7.99 at Amazon), Disney Junior (£7.99 at Amazon), Playmobil (£7.99 at Amazon)Ripleys Believe It Or Not Kids (£7.99 at Amazon),  Stars Wars Rebels (£3.95 at Amazon) and World of Warcraft (£7.99 at Amazon).

IMG_1438.JPGIMG_1439.JPGThere were also so many lovely Jane Asher baking products. My favourites this month are the piping bag with a selection of nozzles and the push pop kits.

IMG_1437.JPG

Vacuum bags are an absolute godsend when going on holiday. We like to buy a lot of clothes when we head to America, and using a couple of vacuum bags on our way home means that we are able to fit a ton of clothes into our bags.

[Read More…]

Top tips for 0% balance transfer credit cards

Last year I became debt free, which was one of the greatest accomplishments of my life. Making extra money was a large part of that, but another thing that drastically helped me to achieve my debt free status was 0% balance transfers on my credit card debt.

What is a 0% balance transfer credit card

Often your existing credit cards may have a high APR attached to them. APR, or annual percentage rate, is the annual rate that you are charged for borrowing money. A 0% balance transfer is where all, or part, of the outstanding debt on a credit card is moved to another credit card with 0% interest.

Advantages of a 0% balance transfer credit card

There are many advantages to having a 0% balance transfer credit card. The most advantageous are:

  • Saving you money on interest charges. For example, if you have £5,000 outstanding on a credit card at 18.9% interest, and you are paying £200 a month, taking out a 12 month 0% balance transfer will save you £597, even taking into account the balance transfer fee. If you manage to get an even longer 0% promotional period then the savings are even bigger.
  • Organise your debt – if your debt is over a few credit cards, by transferring to just one credit card you can manage your payments better.
  • Your debt is paid off sooner – by saving money on interest, you are able to pay off your balance faster.

Things to look out for:

  • Balance transfer fee – this is a fee is anything between 0.35% and 5% of your total balance. This means that transferring a £5,000 balance could cost you as much as £250.
  • Promotional periods – how long will you get the 0% balance transfer offer for? The longer, the better. If the offer is only 6 months, calculate how much interest you will save versus the balance transfer fee.
  • Interest rates after the promotional period – if you are hoping to clear all of your balance before the promotional period is over, then this isn’t too much of an issue. But if you are still going to be carrying a balance once the 0% period is over, you will need to factor in these rate rises. You could, of course, try to get another 0% balance transfer deal at this time.
  • Keep up with minimum repayments – the terms and conditions will state that if you are late making a single payment then you will forfeit the 0% promotion. To ensure this doesn’t happen, set up a Direct Debit to pay the minimum payment every month.
  • Annual fee – some credit cards charge an annual fee, which you will need to factor in to your calculations.
  • Credit limit – new lenders will set a credit limit after approving your application. Typically, you can balance transfer up to 95% of your new credit card limit.

Where to find 0% balance transfer offers

Finding an offer can be challenging, as there are so many credit cards out there. The MoneySite credit card comparison tool allow you to compare credit cards from both major providers and smaller providers. You can see, at a glance, the main features of each credit card and as well as the main terms, such as interest free period and transfer fees.

balance transfer money site

You can also filter your results to make them more relevant to your financial needs, whether it be credit cards for bad credit, the best balance transfer credit card or interest free credit cards.

Applying for a new credit card

When applying for new credit cards, it is important to ensure that your credit rating is in good shape. This helps to ensure that your application is approved so you can carry out a 0% balance transfer and start saving money. There are some simple things you can do to help your application be successful. You should do these approximately a month before applying for a new credit card.

  • Ensure that you are on the electoral roll at your current address.
  • Ask your lenders to close any credit agreements that are have paid off and no longer in use.
  • Keep up with your existing payments, and make sure they are on time.
  • Don’t apply for any other credit in the mean time.
  • Check your credit report to ensure there are no errors.
Related Posts Plugin for WordPress, Blogger...
Free Disney DVDs

Free Disney DVDs

Have you ever opened a DVD case and not even bothered to look at the leaflet on the left? Well now you should, because most Disney DVDs give you a code to redeem at Disney Movie Rewards. DVDs cost 500 points to claim, and each code you enter gives you 100 points. Most of the […]

Related Posts Plugin for WordPress, Blogger...
Free cider

Up to 15 bottles of cider free

There are smart phone apps that give you cashback on your shopping simply by uploading a receipt after your purchase. By combining two of these apps alongside a special offer, you can get up to 15 free bottles of cider from Tesco. Download Clicksnap by Quidco and CheckoutSmart to your smartphone. Both apps will give you £1.50 […]

Related Posts Plugin for WordPress, Blogger...

Make money, save money and live the life YOU want

You may have noticed that things have changed around here - the blog has a fresh look and I can now sum up what From Aldi To Harrods is about with the phrase "make money, save money and live the life YOU want". I recently received a comment on a YouTube video, stating that "If you have to buy all reduced food then you really are living on the bread line....?? The occasional reduced item is fair enough but an entire shop is bordering on a problem...". At the time I laughed it off with a comment … [Read More...]

Our wedding

Our wedding

In just over 4 months, I am getting married. I had initially planned to share our wedding planning and money saving tips on another website, but I just haven't had the time for the upkeep, and this week that domain expired. So I have decided to start sharing some wedding posts on here and I hope you enjoy them! It is really difficult to get everything you want in a wedding, within a set budget. There has to be compromise and we chose to compromise on the budget. We are spending more money that … [Read More...]

Earn Paypal cash for writingshort (400

Important Bubblews Update

Last year I blogged about Bubblews, where you are paid for writing short posts. In fact, Bubblews turned into a great earner for me, hitting $50 (around £30) every 4-7 days. Then Bubblews announced a change to the way they reward members, which saw my $50 every few days go to $50 every month and then lower. In fact, since mid-December I haven't even made $2. Imagine my surprise to receive a message from Bex on New Year's Eve telling me to check Bubblews.They had just made an announcement. They … [Read More...]

Degustabox December 2014

Degustabox December 2014 Review & £3 off code & giveaway

Degustabox is a monthly surprise food and drink subscription. It costs £12.99 a month (or £9.99 for your first month signing up here). Every month the contents of the boxes has surprised us and stretched our culinary knowledge. Receiving ingredients that are new to us has helped us to create some exciting new meals that we had never thought of before. December's Degustabox was early to account for Christmas, although the contents didn't reflect the festive season. Instead they were a great … [Read More...]

Top 10 ways to earn cash

Top 10 Ways To Make Extra Money

From Aldi To Harrods now has well over 300 posts, many of them about ways to help you to earn some extra cash. Remember, everything I write about has been tried and tested by me - I bring you the good and the bad. But you probably want to know the top 10 ways to make some extra cash - the things you should be doing regularly in an attempt to boost your income. Narrowing down the list to just 10 has been difficult, but here is my list in no particular order. What Users Do - earn £8 per … [Read More...]