This annual promotion offering cut-price movies and TV shows to own is back. There are discounts on Apple, Google, Chili, Rakuten, Amazon and more. Personally, I’d only buy a digital movie if it’s something I knew I really, really wanted to keep as most things are on streaming, but if you like to buy it’s worth a look.
If you took advantage of the bonus points for switching Nectar to Avios last month, don’t forget you’re now eligible to switch them back. I did this on Monday and had to phone up – though it took just 4 minutes.
Your weekly digest of the biggest money stories from the last seven days.
My guest this episode is Jen Kempson aka finance YouTuber MamaFurFur. Together we’ll help you get up to speed with what’s been going on. This week we’re looking at:
Morrisons’ loyalty scheme is making big changes in May.
I’ve never been a fan of the Morrisons More scheme. To actually use your points you need to earn 5,000 points (worth a fiver), which required a £1,000 spend – far higher than the other supermarkets.
Well, it seems Morrisons has realised it wasn’t the best scheme. But rather than reform it so you can earn more points or payout at a lower level, it’s announced it will be dropping points completely from 10th May 2021.
The scheme will continue though, and there will be offers and coupons for instant savings instead.
But this isn’t the only change. Here’s what you need to know if you are a regular Morrisons shopper, including what it means for any points you’ve accumulated.
Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.
How is Morrisons More changing?
Coupons instead of points
Rather than get points you’ll be rewarded with digital coupons that can be used at the till for an instant discount. Morrisons say these will be personalised. Hopefully means they’ll be based on your previous shopping habits rather than products it thinks you’d like.
The app replaces cards
One major change that could impact you is that the supermarket is phasing out physical cards, so if you lose your card or sign up for the first time you’ll only be able to access the card and the savings via the Morrisons More app on your phone.
If you’d rather stick with your existing physical card you can keep using it – but you still need the app or an online account to activate the offers. This is going to mean lots of elderly shoppers miss out.
It’ll probably be renamed
The Morrisons website says the supermarket is reviewing the scheme’s name and plan to update it.
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You’ll continue to earn points until 9th May 2021. If you have points on a receipt you’ve got 30 days to add them to your card, and the final deadline for this is 8th June 2021.
Swapping points ends August
Any points you currently have will be valid until 9th August 2021. So you’ve got until that date to print the vouchers to spend in-store or save them to your account to use online.
Once you’ve done that, the vouchers will then be valid for 56 weeks.
But if you don’t print them or add them to your account they’ll disappear.
You probably won’t be able to swap all your points
As mentioned above you need 5,000 points to swap for a £5 voucher. But this isn’t a minimum – you need to exact multiples of 5,000.
If you have less than this, or any points left over after a 5,000 conversion these will be void. So potentially you could have 4,999 points, worth £4.99, wiped completely.
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Though some people will be disappointed that the scheme is changing, it shouldn’t really be a reason to move to a supermarket with a points scheme like Tesco or Sainsbury’s.
Loyalty schemes are great additions to save money or earn points, but they’re rarely good enough to switch for.
Instead you’re better off choosing the supermarket based on price, quality of products and convenience.
So if you have a cheaper supermarket near you that you’re happy to use, maybe it is worth giving them a try instead of Morrisons. But equally, you might want to stick with or even try Morrisons rather than your usual choice despite the change to the scheme.
Is this new bonus from the AI savings app worth it?
I’ve been using the auto-savings app Chip for years. It’s a great way to help you get saving. Recent charges have made it less appealing – but they’ve added a new free account to the app which will allow you to earn interest on the money saved there.
Here’s what you need to know, plus the VIP promo code you need to access Chip +1.
(This article was originally written in December 2020 but has been updated to reflect changes Chip has made to how much you can save in the account in March 2021).
Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.
What is Chip +1?
Chip +1 is a savings account that sits within the Chip app. You can keep up to £85,000 in the account, but you’ll only earn money on the first £2,000 or £10,000, depending on which level of Chip you are signed up for.
Though it’s part of Chip, it works very differently to the existing Chip accounts. For example it doesn’t have the autosaving features. You can read my review of Chip here.
Two days after launching Chip+1, Chip changed their fee structure for using the app. Why they couldn’t do this all at once I don’t know. But it’s a significant change that you need to know about before opening the account.
To get interest on the full £10,000 you now have to pay £1.50 every 28 days for ChipAI (previously this could be avoided by pausing auto-saves). As the name suggests you also get access to the AI auto-saving algorithm.
Alternatively you can opt for a new free version of Chip (ChipLite). This limits the balance you can earn interest on to £2,000. But you won’t get the auto-saving feature.
You can move between the two tiers each month if you wish.
A third tier, ChipX, will be introduced on April 25th 2021 that costs £3 a month and provides access to investment funds. Be careful here as all ChipAI customers are set to be given a 28-day free-trial of ChipX and at the moment it says you’ll have to choose to downgrade back to ChipAI rather than opt-in staying with ChipX.
How much does Chip+1 pay?
At launch, the rate is 1.25%. Though this sounds pretty rubbish, it’s actually one of the leading rates right now, with only a couple of places beating it.
The rate is variable, which means it could change at any time. And of course, Chip could decide to stop offering this bonus completely.
But if you want to earn interest on more than £2,000 you need to factor in the £1.50 every four weeks, or £19.50 a year.
Initially the most you could earn interest on was £5,000, but as of mid-March 2021, that was increased to £10,000. I’ve updated the tables below and my summary to reflect this.
Amount Saved
Interest Earned
Total return after fee
Real interest rate
£1,000.00
£12.50
£12.50
1.25%
£2,000.00
£25.00
£25.00
1.25%
£3,000.00
£37.50
£18.00
0.60%
£4,000.00
£50.00
£30.50
0.76%
£5,000.00
£62.50
£43.00
0.86%
£6,000.00
£75.00
£55.50
0.93%
£7,000.00
£87.50
£68.00
0.97%
£8,000.00
£100.00
£80.50
1.01%
£9,000.00
£112.50
£93.00
1.03%
£10,000.00
£125.00
£105.50
1.06%
As you can see that the fee makes a big difference to the interest you can earn, though you’re still beating the rate at most other savings accounts.
But it’s more complicated than that – especially if you have between £2,000 and £3,560 saved.
To get a true reflection of what you’ll earn I think it’s best to treat any money in Chip+1 as sitting in two distinct pots.
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The first £2,000 which you can earn the 1.25% on fee free via ChipLite, and then any money above this is you’re signed up to ChipAI.
This table treats shows the cash saved above free threshold once the fee is deducted, showing you what you’d really earn if you deposited more and paid for ChipAI.
Total saved
Amount Saved above £2,000
Interest Earned
Total return after fee
Real interest rate
£3,000.00
£1,000.00
£12.50
-£7.00
-0.70%
£3,560.00
£1,560.00
£19.50
£0.00
0.00%
£4,000.00
£2,000.00
£25.00
£5.50
0.28%
£5,000.00
£3,000.00
£37.50
£18.00
0.60%
£6,000.00
£4,000.00
£50.00
£30.50
0.76%
£7,000.00
£5,000.00
£62.50
£43.00
0.86%
£8,000.00
£6,000.00
£75.00
£55.50
0.93%
£9,000.00
£7,000.00
£87.50
£68.00
0.97%
£10,000.00
£8,000.00
£100.00
£80.50
1.01%
As you’ll see when compared to other available accounts, it only really becomes something worth considering if you put an extra £2,500 extra in (meaning there’s £4,500 in total saved with Chip+1). This gets you the equivalent of 0.47% – beating other accounts.
And the more you save, the higher the real interest rate gets, giving you more opportunities to beat inflation.
What’s really important to spot here though is that if you have less than £3,560 total in the account and are actually losing money by having cash saved.
So I’d go with the free account if you have less than £4,500 (but only save £2,000 there), and potentially consider for the paid account if you have more than £4,500 and £5,000.
Also, technically it’s not interest! The money is paid from Chip’s marketing budget so really it’s a bonus you get for putting cash in the account.
It’s calculated every Tuesday, but you won’t get it added to your account that frequently. The bonus is instead paid every 12 weeks.
However, the bonus doesn’t compound, so you won’t earn on top of the money you make. So if you have £5,000 saved, and earn around £15 after 12 weeks, that £15 won’t earn anything at all.
Is the account easy access?
Chip +1 is easy access which means you can take the money out when you need it.
But there is a slight catch. If you choose to close your account before a bonus is paid you’ll lose it.
You also can’t withdraw the bonus until you’ve emptied out the money in your savings.
So let’s say you have £5,015 and withdraw £15. You’re effectively reducing the balance you’ll earn “interest” on to £4,985.
Is the money protected?
The Chip +1 account has full protection under the Financial Services Protection Scheme (FSCS) via it’s partner ClearBank. So if Chip was to go bust you’d be able to claim up to £85,000 back from the UK government.
If you have any money held with ClearBank then that too will count towards that £85k total.
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With Chip you need to connect to your current account via open banking. The bank you’ve chosen for this is the same one you’ll use for Chip+1.
Banks that work with Chip:
Bank of Scotland
Barclays
Danske
First Direct
Halifax
HSBC
Lloyds
Marks & Spencer Bank
Monzo
Nationwide
Natwest
RBS
Santander
Starling
Tesco
TSB
Ulster Bank
Once this is done you can add money from this linked account. It’s easy to do, and takes just a few clicks. The limit you can move in one go is £5,000.
It’s not instant though. When I tried it said it would take three days for the money to reach the Chip +1 account.
You can’t move money from other Chip accounts, which means you can’t use it alongside the Chip AI to automatically move money from your linked account to the Chip +1.
How to withdraw money
Money you take out of the account goes back to your linked current account. It takes one or two working days. That means it’ll take longer over weekends or bank holidays.
Remember, you’ll withdraw your initial balance first, then once that’s gone any bonus payments.
Should you use Chip +1?
Andy’s analysis
Well, if you want to earn money on your savings right now there aren’t many better options. But there are some.
You can earn 2% (fixed for one-year) with a Nationwide FlexDirect account on savings up to £1,500. And you can get 2.02% (Variable) with a Virgin Money current account. There are also regular savers paying up to 1.5%. These should be your priority for your cash.
But if you’ve got money left after this, Chip is currently the next best bet – but only for up to £10,000 in savings. Anything above this won’t earn you a penny. And that’s only with the paid tier of Chip.
But even factoring in the monthly fee for the full Chip it still currently beats the best rates elsewhere. But that could change, so keep an eye out. You might also want to compare it to putting the cash in Premium Bonds.
And remember, you need at least £3,560 in the top tier for the interest to even equal £2,000 in the free tier.
You also need to be aware of some of the restrictions I’ve mentioned above, such as needing to withdraw the initial deposit in full before you can withdraw your bonus. Or that it can take five days for your money to reach your linked current account if you do it just before a weekend.
So it’s not perfect, but for now it’s an OK place to hold your savings.
How to get Chip+1
You have to have an account with Chip to get Chip +1, which means downloading the appand connecting it to a current account.
New customers can only get Chip +1 via a referral code. This could be from an existing Chip customer or by using the code provided below.
If you have more friends who want to open an account, get them to use one of the promo codes below.
You can download the app for both iOs and Android.
Existing Chip Customers
Existing Chip users will need to refer a friend who is new to Chip. You can find your own referral code in the app. You can only share it with one other person.
This video was made before the changes to fees and how much money will earn interest, but still has useful information about how the account works
In the latest episode I’m talking about ISAs – including how the five types differ, the rules you need to follow and whether they’re still worth it – especially when it comes to cash savings.
Or you can also listen to Cash Chats on all podcasting apps. Click through to your favourite
More from Cash Chats
If this episode has saved you money, please do tell a friend!
This week my answers to your questions on getting cashback from multiple accounts, business banking when you’re a sole trader, your salary when you switch bank, using balance transfer cards for catalogue debts and more
I love hearing from you, whether it’s on the blog, social media, YouTube or on email. Often you’re asking me questions about your finances, and I’m always glad to help if I have the time.
But I realised that my answers could also be useful to other followers. So I’ll be putting my responses to the best questions into regular articles here on the blog.
Keep reading for some of the questions I’ve been asked, plus the video live from last week with even more!
Watch last week’s Q&A
Why can’t I get cashback?
Here’s an edited version of an email I received from a reader. I’ve kept just the essentials here rather than share details as there’s an important lesson.
I bought two Three mobile SIMS with £62 cashback but I created another Topcashback account, using your referral and ordered each SIM through EACH account.
So I got cashback on my Topcashback account 1 – legitimate and genuine order SIM still active today. And I got cashback on my Topcashback account 2.
When both accounts became payable I requested payment same day and time – both accounts in my name and my bank details for payment – but to different banks.
They paid out one and I didn’t hear on the other, so when after several days they didn’t send the other I asked why that has been requested and not sent, they closed both accounts. I am very upset.
Anon, via email
So sorry to hear about this, but it looks like you’ve broken their terms and conditions which mean they are able to close your accounts and not pay the cashback in there.
You are only allowed one cashback account per person per site, so you were only able to sign up to one, and then only get the SIM cashback on one too. If you’d done this once it’d have been fine, but since you did it twice you aren’t eligible for the second payment.
All I can suggest is you write to TopCashback and say you made a genuine mistake and ask if they’ll reopen one of the accounts. But you won’t get the other payment. Sorry it’s not better news
Do I need to give my work the new details when I switch bank?
Interesting in switching, so who sorts out your wages ie do I need to do this with my work place or does the switch do everything?
Carlos, via YouTube
It will be automatically transferred each month, but it makes sense to tell your employer the new details so they go straight to your new bank
Can I open a Starling Business account as a sole trader?
I’ve been reading on one of my counselling groups that Starling do a free business bank account for sole traders after a main account is set up. Does anybody have any info on this please ?
Andy, via the Facebook group
Hi Andy, so if you’re a sole trader you don’t actually need a separate business account. You can just choose any account out there, which means you could take advantage of some bonuses with the likes of Club Lloyds or Halifax Rewards (if you meet the minimum criteria each month).
That also means you could use your normal Starling account as a business account if you wish rather than get their business one. But if you do want the business account it is free. More here.
Do I have to pay off the full balance on my credit card?
Hey! I just got a credit card and had a question, hoping you can help me make this clear. If my credit limit was £500 and I were to make a purchase with it on say; Amazon of £500. Would I have to pay this in full before the following month in order to pay 0% interest?
If I wanted to space the repayments of this £500 borrow say; monthly. Would the only way to do it is by paying the minimum every month and also pay the interest? What if I paid the minimum required +£10, would that negate the interest and allow me to pay in monthly like I want?
Sam, via YouTube
Hi Sam. So if you have reached your credit limit, then you can’t spend any more money on the card until you clear some of that balance. Any money you don’t clear by the billing date will be charged interest (unless you are on a 0% purchase or BT credit card).
So if you do space this out, you’ll get charged interest each month. The minimum payment is only to prevent any charges getting added on top.
The difference is if this is a 0% purchase card. If that is the case then you need to still make the minimum, but you won’t get charged interest on top until the 0% period ends.
Can I avoid credit checks for bank switches?
Hey Andy,
Just a quick question if you’ve got the time regarding current account switching and the associated switching bonuses.
If I were to open a current account with a bank, let’s say Santander, and then switch that account pretty much immediately to HSBC, two credit checks would be performed in order to acquire that bonus.
As far as I’m aware, opening an account with Monzo or Starling Bank does not require a hard credit search as it does with other banks but they do subscribe to the current account switch service.
So, if I were to open an account with, say Monzo, and then use the CASS to transfer to HSBC, would I receive the £125 switching bonus with only a single hard credit search?
Additionally, is it possible to take advantage of this system multiple times, opening up several accounts with these two current account providers and switch them away continually? As far as you’re aware, do banks limit one’s ability to do this?
Thanks for your time,
Regards, Al.
Al, via email
Hi Al,
Yes, that’s right, there’s no hard credit check for Starling and Monzo – unless you ask for an overdraft.
So in theory you could open a Monzo, switch, open up another Monzo, switch and so on – though as you say Monzo/Starling have measures in place for this as I can’t imagine they’d want to keep opening up new accounts for people.
Monzo say you can reopen an account after 30 days, though I’m not sure if that works after switching away.
Starling actually says you can’t open up a new account with them for 12 months after closing or switching away. Though you can open a second account with them for £2 a month and potentially switch that (I can’t guarantee it though).
Cheers,
Andy
Balance Transfer cards – what’s the catch?
Sounds to good to be true what’s the downside of these cards ? Can I use this card to pay off a £400 catalog? Or is it only credit cards ? Got offered one with 9 months interest free.
Roland, via YouTube
Yes, they’re for real and there’s no real catch. The biggest hurdle will be getting accepted for the card. Use a comparison site to do a mass pre-eligibilty check which won’t hurt your credit report but will show which card you are most likely to get.
For a catalogue debt you’ll need to look at Money Transfer cards – here’s more on how these work.
With interest rates so low there’s been a huge increase in the amount of money invested in Premium Bonds as people hope to get a better return on their cash.
But hope is the key here. Though there’s a chance you could win £1 million, there’s no guarantee you’ll get anything.
Here’s what you need to know about Premium Bonds, and how they compare to other savings products.
Keep reading or watch this video (or both)
What is a Premium Bond?
A Premium Bond is essentially a government savings account you buy from National Savings & Investments.
Rather than earn interest on the money invested as you would with a normal savings account (if it’s offered of course), you’ll be entered into a monthly prize draw. And this will keep happening for as long as you keep the Premium Bond.
Each bond costs £1, though there’s a minimum purchase of £25, which would give you 25 entries into that draw. The most you can have are 50,000 bonds, which means there’s a cap of £50,000 you can save.
Any money you win is tax-free and your savings are protected by the Treasury, and that initial investment can’t lose value.
The money is easy-access and you can cash them in whenever you want – though it can take up to eight working days to reach your linked current account.
How much could you win?
The top prize is £1 million, and there are two of these available each month. So in theory you could win £24 million a year! But of course you won’t.
The current prize rate with Premium Bonds is 1.4% (it was 1% from December 2020 to May 2022, and could change again). This doesn’t mean you’ll get a 1.4% return on your savings. Instead on average £1.40 is paid out for each bond. On average.
But most bonds win nothing. Zero.
And that’s because all the money paid out to all the winners is made out of prizes ranging from £25 up to that £1 million. So it’s impossible for every bond to get that quid.
So though you’re more likely to get a £25 prize than any of the larger ones, it still leaves 100 billion bonds winning nothing each month!!
And while each bond has an equal chance of winning any of the prizes, the more bonds you have the greater the chance is that you’ll win something.
Money Saving Expert has a calculator which works out what you’d get with a typical amount of luck which is helpful to get a closer idea of a more realistic return – though of course since it’s all random it’s no guarantee. You can also see how lucky you are compared to others.
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Effective 6.45% rate for six months as a new Raisin customer
* The following tables are based on a 1% prize rate and will be updated in June 2022 *
I’ve used MSE’s calculator to work out those potential winnings (based on average luck) over a year and therefore what interest rate you’d need to get the same amount from a savings account.
Amount saved
Average winnings
Equivalent interest rate
£100
0
0%
£1,000
0
0%
£10,000
£75
0.75%
£25,000
£200
0.8%
£50,000
£450
0.9%
Of course you can still win a prize with just £25 worth of Premium Bonds, it’s just incredibly unlikely. The calculator also says you’ll likely win £50 with £5,000 saved, which is 1%, but that seems to be a bit of a blip. Having fewer bonds will mean you’ll win less, so I’ve not put it in this table.
But as I frequently share, you can get higher rates on some of your cash. Here are my top picks:
Account
Interest rate
Max deposit
Interest earned in a year
Virgin Money M Plus Account
2.02%
£1,000
£20.20
Chip+1
1.25%
£2,000
£25
Club Lloyds Current Account
0.78%*
£5,000
£39
Club Lloyds Monthly Saver
1.5%
£400 a month
£38.91
Marcus Easy Access
0.5%
(£4,800 fed into the above monthly saver)
£11
* 0.6% on first £4,000, 1.5% on next £1,000
As you can see, each of these accounts will get you a guaranteed better return than the average chance of luck does with Premium Bonds with the same amounts.
Though that rate is much closer with the £5,000 amount in Lloyds, remember that interest is guaranteed – plus you get freebies on top such as monthly movie rentals or cinema tickets.
If you use all these accounts listed above you’ll save a total of £12,800, making a total of £134.11 in interest over a year, which is the equivalent of 1.05%.
(N.B This calculation was before Marcus dropped its rate to 0.4%. on 16th March, but the difference is £2 less in a year).
How much you need in savings to make Premium Bonds worth it
If you’ve got savings up to and including £12,800, I’d focus my attention on The Virgin M, Chip+1, Club Lloyds and a leading easy-access accounts.
Where you put further savings depends on how much more money you have. Less than £5,000 and you will probably be better off putting more into that Marcus account (or equivalent) and probably drip-feeding it into another regular saver.
But if you have £5,000 or more, the average luck rates suggest that you could instead move on to Premium Bonds. However, there’s an important upper limit.
Though you can put £50,000 into Premium Bonds, you don’t have to. And you probably shouldn’t.
That’s because you don’t want to have too much saved in easy-access accounts. Really you only need to have enough cash to cover one of two things – an expected expense or an emergency.
When you’re saving for a specific purchase – from a house deposit or wedding through to a holiday or new phone – you’ll know much you need access to.
The general rule of thumb for emergency savings is three to six months of essential expenses – the costs you would have to cover if you lost your income. Following the pandemic you might want to make that last a little longer.
But beyond this, with interest rates so very low in general you are better off thinking about putting any remaining cash aside for the long term, whether that’s topping up your pension, paying off your mortgage or investing in the stock market.
So, going back to that initial £12,800 in the top savings accounts, and the minimum £5,000 Premium Bonds needed to beat the best easy-access account… we’re now at a total of £17,800.
How long would that last you in an emergency? I’d imagine six months easily, probably more.
So really I think Premium Bonds only become worth a look for most people if you need to have more than £17,800 in easy-access savings.
(Update 16/3/21- the upper limit on the balance you can earn interest on with the Chip+1 account has been increased from £5,000 to £10,000. After fees this gives the equivalent interest rate on the full £10k saved as 1.06%. That is a guaranteed rate and higher than the potential return with Premium Bonds. Here’s my full analysis.)
It’s different for additional rate taxpayers
A quick note that the situation changes if you are an additional rate taxpayer (meaning you earn more than £150,000 a year). If this is you, then you won’t have a Personal Savings Allowance, which means you’ll pay tax on your interest.
The Cash ISA limit is £20,000 (and that’s shared with Stocks and Shares ISAs), so Premium Bonds can work out as the most tax-efficient way to have cash savings.
What if you fancy your chances?
Of course, you might think that it’s too much hassle spreading your cash around multiple accounts for minimal returns. And you might not be wrong there.
Let’s say you’ve got £5,000. Put it in that easy access account paying 0.5% and you’ll make £25 interest in a year.
Would you spend £25 a year on Lotto tickets or scratch cards? Well, maybe Premium Bonds is a better alternative. You might win, you might not, but you’ll keep that initial investment.
When to save with Premium Bonds
So in summary, Premium Bonds could be a good option for you if:
You need more than £17,400 in easy-access savings
You are an additional rate taxpayer
You just fancy a flutter
You’re ok with the idea of getting nothing
How to get Premium Bonds
You have to be over 16 years old to buy Premium Bonds for yourself. If you are buying them for children, the account will be held by the parents/legal guardians until the child reaches 16.
The easiest way to buy them is via the NS&I website, though you can also get them via post or on the phone.
When to buy Premium Bonds
The Premium Bond draws take place at the start of each month, but you’re only eligible for each draw on bonds that have been invested for a full month.
This means you’re better off buying them at the end of a calendar month than at any other point.
If you have a Natwest or RBS current account and haven’t already opened up the Digital Regular Saver which offers 3.04% interest, you may as well do it now as there’s a prize draw for those who apply before the end of March. You’ll be in the running to win one of 10 £1,000 prizes.
These popular mugs are worth £19.95, so if you’ve other things you want to buy and you’re a first-time customer on the Emma Bridgewater website, you can nab a mug for free.
I see people sharing referral codes here all the time – but they’re rarely the best deals as you can stack vouchers with cashback.
Again, it’s for new customers, this time going via cashback site Quidco. You’ll get 50% off your first HelloFresh box, and another £12 cashback on top.
There’s a similar offer from TopCashback for Gousto, giving you 40% off your first recipe box, and £20 cashback on top.
If you’re trying to cut streaming costs and thinking of giving Netflix or Disney a break for a while, then you can get free access to cult, classic, world and indie cinema on Mubi via this trick.
If you weren’t able to take advantage of the longer Apple Music or Tidal free trials for new customers, then this three-month offer from Deezer has been made permanent.
There are just a few days until Mother’s Day, so if you’re thinking of sending flowers you might have to pay a premium to get them delivered on time. To help on costs here are some decent discounts from the likes of Bloom & Wild, Bunches and Freddie’s Flowers.
