Tag: savings

15 Hours Free Childcare for 3 and 4 Year Olds

I was always under the impression that because we were not eligible for the 30 hours free childcare, that would simply be it. Wrong. You can still get 15 hours…

I was always under the impression that because we were not eligible for the 30 hours free childcare, that would simply be it.

Wrong.

You can still get 15 hours free childcare.

All 3 to 4-year-olds in England can get 570 free hours per year. It’s usually taken as 15 hours a week for 38 weeks of the year, but you can choose to take fewer hours over more weeks.

What are the requirements?

You must be with an approved childcare provider.

What is an approved childcare provider?

  • Registered school
  • Registered nursery, childminder, playscheme, club or a nanny.
  • A home care worker for a registered home care agency
  • A childminder or nanny with a registered childminder agency or childcare agency.
  • childminder or nanny with a registered childminder agency or childcare agency

If you are unsure your childcare provider is registered search through Ofstead.

Childcare that is provided by relatives can still qualify if they are a registered childminder and care for your child outside your home. So basically, if your child’s grandparent looks after them casually on a Friday, you can not claim for free childcare hours.

This also goes for if your partner stays at home looking after your child. You can not claim for free childcare hours. And foster parents can not claim unless they are registered childcare.

How do you pay the childcare provider?

If you are eligible for free childcare hours, you can pay the childcare provider using:

  • Universal Credit
  • Tax credits
  • Childcare vouchers
  • Tax-Free Childcare

When does the free childcare hours start?

As soon as your child reaches three years old, you can get the free hours after the term from their birthday. Simply ask their childcare provider for the form if they have not already asked you yet.

When does the free childcare hours stop?

When your child reaches compulsory school age the free hours will stop. For most children this will be when they first start reception.

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How to save money during Christmas spending

December is a tough time for us all financially. We are suddenly inundated with buying gifts, extra food and home decor. Am I the only one that thinks the price…

saving money during christmas spending

December is a tough time for us all financially. We are suddenly inundated with buying gifts, extra food and home decor. Am I the only one that thinks the price for a Christmas bauble seems to have doubled?!

Not only do you have to pay for all of the extra strains, you still have to keep up with your regular bills and maintenance costs. This is extremely hard especially if you are surviving off maternity pay.

It can be very tempting to dip into that savings pot you have worked so hard for through out the year but, I’m here to tell you now don’t!? Check out my very handy saving whilst spending tips first!

Honey

On Chrome, you can simply download a FREE extension. Guys, let me just say that this took me under 5 minutes to do. It was so easy!

Honey will pop up when you are at the checkout on your online shop with a discount code. Not only that, Honey searches for the best possible discount code for you! Amazing.

Here is the link: Join Honey

Quidco

Using a website like Quidco, you will get instant cashback from shopping online. All you need to do is log onto Quidco first and then shop through there onto your retailer of choice. For example, I want to buy a pair of trainers. I will log onto Quidco site first then I will look for the Nike website and click on it and carry on with my shop. Simple.

You can get rewarded cashback on so many different products, whether it will be gifts for people this year or you want to take out that break down cover you desperately need but can’t afford at full price.

If you are a new customer the chances of your cashback amount being a better rate will increase!

Sign up with my link for a free ?5!

Here is the link: Join Quidco

CamelCamelCamel

Did you know that companies regularly change the prices of products on their website? Amazon can do this multiple times a day! So let’s say you are on Amazon, and you really want a new TV, if you put what product you want to track into CamelCamelCamel, you will be notified with an email when that product is at its cheapest or the price has dropped.

There is also a free browser extension too.

Here is the link: Camelcamelcamel

Groupon

Sometimes you just want to treat someone to a really lovely gift. This could be a trip out or a spa day. Check out? Groupon. They have amazing offers where you could save yourself so much money rather than booking direct.

They even have a full section on handy discount codes too!

Here is the link: Join Groupon

Basket Abandonment

You have done your full online shop and got to the checkout at the end and realised, you know what? I can’t afford all of this right now. So you leave it.

If you do this whilst logged into your account. You can get an email saying “Hey, we have noticed you have left items still in your basket, here is 10% off to complete the purchase.”

A great way to save extra money. I know that Pretty little Thing do this, Apple and Ebay. It will be trail and error finding companies that offer this way of discount but will be so worth it! Just be careful with risking your product will be still in stock.

 

Happy Saving and Happy Shopping Everyone!

saving money during christmas spending

*Some links are referral links.

 

 

 

 

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