TL;DR:
Energy prices are at their lowest - Make sure you're getting a good deal.
Bank of England keeps rates at 3.75% - Mortgages are likely to remain high.
Born between 1st September 2002 - 2nd jan 2011? You could have thousands in a child trust fund (Claim it!)
Check your loyalty points! (Over £1.2 billion is unclaimed)
Rights for renters have now changed - Huge changes
Free £10-£50 simply for signing up + spending with Monzo
Energy prices are at their lowest - take advantage!
Energy bills are the lowest they have been since the energy crisis started
Energy prices are at their lowest since the start of the energy crisis - you may not fully be taking advantage of them. (Here’s how)
Check your current energy prices. Then go to a comparison site (Make sure it’s one that checks the whole market, not just companies which pay commission) - enter in your details and see if you can get a cheaper deal.
If your in contract - there may be fees for leaving early (sometimes is worth paying the fee’s if its a lot cheaper)
If your out of contract then its super simple!
Bank of England holds rates at 3.75%
Bank of England rates have remained at 3.75% meaning mortgages will likely stay similar, savings rates won’t rise + loans and credit cards stay expensive.
Mortgage rates are about 5% on average at the moment.
Savings rates are about 4.5% (For top savings accounts)
Don’t miss your child trust fund!
Born between 1st September 2002 and 2nd jan 2011?
(Or know some who is)
You could have thousands sat in a child trust fund (CTF) - the average one being worth £2220 and it’s so simple to claim.
How to check / claim it:
Go to GOV.UK
Search: “Find a Child Trust Fund”
Log in with your details (or set up an account)
It will show your provider
Check your loyalty points!
Research suggests uk shoppers miss out on £3 billion annually with £1.2 billion in current unused vouchers.
Tesco clubcard, Morrisons card ect all give vouchers and points - double check yours (Simple in their apps).
Often times you can A - Get vouchers which can save you £10+ on a simple shop. B - Use the points with their partners and double them in value!
It’s worth the 5 minute check to see if you have any!
Free Monzo bonus + renters rights change
Get up to £50 completely free just by signing up to Monzo with this link and spending on the debit card - https://join.monzo.com/c/2rqx0y8t
Renters rights (As I covered in my last email) have officially changed. Missed my last email?
Check out the changes here - https://assets.publishing.service.gov.uk/media/69bc04b8f7b1c24d8e23ce60/The_Renters__Rights_Act_Information_Sheet_2026.pdf