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HomeMoney SavingMy month in cash #3 (April 2022)

My month in cash #3 (April 2022)


What I’ve really carried out this month to be intelligent with my money.

There are a few ideas behind this characteristic. Usually there are small issues I’m doing that don’t warrant an entire article so this will deliver them collectively! Plus, it’s an effective way to point out that I “stroll the stroll” and actually do observe my very own recommendation!

So listed here are the important thing cash issues from my very own life in April 2022.

You can even take heed to me discuss this month on my Money Chats podcast

Double reserving a lodge

Let’s begin with a mistake, so that you don’t do the identical! You may keep in mind final month I advised you the way I used to be having a nightmare getting Premier Inn to just accept my American Categorical card. Ultimately, I gave up and paid with Chase (getting 1% again).

Then once I checked into the lodge in mid-April the receptionist requested me which room I used to be checking-in for! I assumed at first that one of many failed Amex bookings had really gone via, however what really occurred was I’d held a room whereas I used to be making an attempt to type the cost fiasco.

This was absolutely cancellable up till midday on the day of arrival, however I’d forgotten I’d even booked the room! So for a couple of minutes, it regarded like I’d be paying for 2 rooms and never one. Luckily, the lodge was completely satisfied to not cost me an additional £600. Phew.

Usually I put in my calendar “final likelihood to cancel” for each reserving I make, however neglected it this time. A fortunate escape.

Extra low cost London meals and actions

I do actually miss having the ability to save large on going out in London, although in actuality having the ability to do these items much less is a greater cash saver.

Very similar to my journey in February, I took benefit of a handful of methods to pay far lower than full worth for the theatre and meal out.

The play was a last-minute determination, utilizing the TodayTix app to e book a £25 seat to see Ralph Fiennes in Straight Line Loopy on the Bridge Theatre (who’s web site listed the identical seat for £80). Usually the day tickets on the app for productions go at 10am or quickly after, so I used to be fortunate to choose one up at 5pm.

And on the way in which I visited my primary best-value-for-money meal within the Metropolis: the pre-theatre set meal at Hawkswmoor. For £28 I bought three scrumptious programs which knock all different steak eating places out of the park.

Watch new movies each week on the Andy Intelligent Money channel, plus a daily reside Q&A

Swapping stamps

It’s not usually I exploit stamps, often it’s simply on playing cards at Christmas, however I’ve picked up a good few books of stamps at lower costs in preparation. Then a couple of months in the past the Royal Mail introduced all present stamps can be ineffective from 31 January 2023!

Luckily in addition they arrange a service to swap these old-style stamps for the brand new barcode-enabled design. This couldn’t be carried out in a Submit Workplace – you needed to put up them!

So we added up our assortment (a ridiculous 66 stamps with a present worth of slightly below £53) and despatched them off. And some weeks later the brand new design arrived. If you might want to swap any over, then all the main points are right here.

Massive financial savings on streaming

Earlier final month a report revealed 1.5milllion UK households had cancelled a TV streaming service – one thing I like to listen to. And I did the identical, cancelling Disney+ as soon as the annual move expired. I’d paid the cheaper price of £59 for this earlier than costs got here up, so made the decision to go all-in for a 12 months.

However with it now costing £79 a 12 months and with a lot to look at on different streaming providers, it was time for a break. Nevertheless, it was short-lived as I’ve simply claimed three months free through O2.

Elsewhere, I one way or the other managed to blag a free 12 months of Prime Video, additionally through O2. This was through a brand new contract we took out through a 3rd get together website, which didn’t include any streaming freebies. However upon calling up O2 to type out a difficulty, the customer support agent simply supplied it to me! Good (plus it means I’m nonetheless not giving any cash to Amazon).

Rediscovering the library

This text is about practising what I preach… however confession time I’ve not taken a e book out of the library for years even although I’ve inspired you all to do it.

However the different day I used to be strolling by and thought I’d see if there was a second-hand e book sale on (there wasn’t). As I entered there was an enormous show of latest titles, and slap bang within the center was a e book I’d added to my “to-buy record” just some days earlier: Anthem by Noah Hawley (the person behind the TV present Fargo).

I’d beforehand added my library card to my Stocard app (extra on this in a second) so thought why not. Within the years since I final did this issues have moved on. I scanned the app and positioned the e book on some type of magic scales. It immediately recognised the title and checked the e book out for 2 weeks.

That’s £5 to £10 saved simply if I’d purchased a bodily model, and I’m utilizing an establishment I actually need to survive.

Difficult a debt

Again in my March replace I advised you the way I’d managed to freeze my David Lloyd membership with out cost whereas I recuperate from harm. This month I saved getting emails saying I owed £18. I ignored these, realizing that wasn’t the case, however finally, they texted.

This time I clicked via and was met with a risk that it’d be handed on to debt collectors with a further £75 on high. Not good.

I contacted my native David Lloyd and so they apologised, agreeing I didn’t owe any cash. So hopefully that’s the tip of that. However I’m going to keep watch over this (and my credit score studies) as you by no means know.

It’s a great lesson in why you must verify emails and open put up from companies and banks simply in case there’s one thing like this. Should you don’t know a mistake has been made you’ll be able to’t problem it.

And the remainder…

I can’t keep in mind the whole lot however a couple of extras in short…

  • I saved round £30 to £35 shopping for three decreased practice tickets within the Nice Rail Sale
  • Technically this was late March (I forgot to say it final time) however I hit the £1,000 restrict on the Natwest common saver and stopped including new funds
  • Sadly supermarkets appeared to expire of decreased Easter chocs by Easter Monday this 12 months – often I top off on some bargains however not this 12 months
  • Monese supplied 20% off grocery store reward playing cards so I snapped up one for Asda
  • Extra first rate MyWatroise gives, and I’m experimenting shopping for comparable merchandise to see if the vouchers nonetheless work (listed here are particulars of the brand new rewards)
  • There was a return to the cinema (really utilizing my free weekly Odeon ticket from O2) and I additionally picked up a free Cafe Nero sizzling chocolate through the app too
  • And as soon as ore I nabbed a free rental and Vue ticket from the free Telegraph trial

Hearken to Money Chats, Andy’s twice-weekly podcast. Episodes each Tuesday and Friday.

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