Amazon Prime price increase: Can (or should) you try to beat it?

Plus how to cancel your Prime membership.

Amazon Prime is getting more expensive. It’ll cost an extra £16 if you pay upfront for an annual membership, or £12 more if you pay monthly. Student memberships are also going up in price.

It’s the first increase since 2014, and will mean you’ll pay close to £100 every year to get access to benefits such as free delivery and movie streaming.

It might be possible to beat these increases, depending on how you currently subscribe. I’ve shared how you can do this – and whether there’s an even better way to spend less.

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.

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How much will Amazon Prime cost?

From 15 September 2022 any signups or renewals will be at the new prices. The biggest change will be for the annual subscription, which will go from £79 a year to £95.

If you pay monthly you’ll pay £1 more each month, moving from £7.99 to £8.99. If you pay this way for a year you’ll spend £107.88.

Student prices will increase by slightly larger percentages.. The annual membership changes from £39 to £47.49. while it’s an extra 50p on monthly payments, moving from £3.99 to £3.49

However, it looks like there are no changes to the Amazon Prime Video subscription. This will stay at £5.99 a month.

MembershipCurrent PriceNew PriceIncrease
Prime Monthly£7.99£8.99£1 (12.5%)
Prime Annual£79£95£16 (20.25%)
Prime Student Monthly£3.99£4.4950p (12.5%)
Prime Student Annual£39£47.49£8.49 (21.8%)
Prime Video Monthly£5.99£5.99£0

What you get via Amazon Prime

The main benefit people get Prime for is the next day free delivery, but film and TV streaming is another big draw. On top of this is limited free music streaming, a free Kindle book each month and access to extra offers such as the Prime Day sales. Here’s my full review.

Can you beat the Amazon Prime increase?

Not every Amazon Prime member will be able to avoid the new costs, but there are a few different options to either keep it at the same price, or perhaps even pass less over a year.

You definitely want Prime for a year

You currently pay monthly

There’s one very easy way to avoid the increase if you currently pay monthly. Signing up for an annual membership before 15 September will mean you’re locked in at £79 for the next 12 months.

I’d leave this change until as close to the price hike date as possible to ensure you let the £79 pass for as long as you can. It’s easy to do in your Amazon account.

This will save you £28.88 over 12 months versus paying the new £8.99 monthly price.

You currently pay annually

Anyone whose existing annual membership is up before 15 September will automatically renew at the current price

But if your annual subscription ends after this date, you’ll renew at the new full price. So tough luck? Well there might be a trick that could work – but there’s no guarantee.

You could try to cancel just before that date and then see if you can sign up again at £79. However, it’s possible the subscription won’t end on the day you cancel. Instead it could carry on until the initial end date, which might make it hard to sign up again at the lower price. It’s worth a try though.

Bear in mind that it’s unlikely you’ll get a pro-rata refund on unused months, and since the change in price is £16, you’ll only want to consider this option if your membership is due to finish before mid November – otherwise you’ll have effectively have paid the new price anyway.

You don’t really need it every month

Though there’s a discount to be had when you pay upfront for a year, it’s only a saving if you use Prime every month. At the existing prices you needed to use Prime 10 months out of the year for the annual membership to be cheaper.

That’s still the case with the new prices when you compare 10 months at £8.99 (£98.89) versus a year upfront (£95). So if you pay for Prime for just nine months of the year (and remember to cancel the months you don’t need it), you’ll pay £89.90 – saving £5.10.

But really you need to compare this new monthly price with the current annual price. Doing this means you’d need to use Amazon nine months of the year for the £79 annual membership to work out cheaper.

Of course, the fewer months you use, the less you’ll pay over a year. And don’t forget you can get a free trial every 12 months, and that can be taken by each adult in the household.

There are also occasional offers to tempt you to sign up again. I’ve seen deals such as 99p for a week and £3.99 for a month quite a few times in the last year.

Only watch Prime Video? There’s a better option

If you only want film and TV streaming, then the £5.99 cost for Prime Video is now even better value. Even if you kept this for a year you’d pay £71.88 -£23 less than an annual full Prime membership.

And since it’s monthly you’ve got the choice to cancel when you’re not watching – or more likely when you’re watching another streaming service.

I don’t think it’s possible to watch more than one paid for service at any time and get value for money, so I always suggest you mix and match Netflix, Disney, Prime and co month by month.

Do you really need Prime?

Andy’s Top Tip

Finally the best way to beat the price hike, is to ditch it completely. You might think this is impossible, but when I went without Amazon for a whole year, I found everything I wanted to buy available elsewhere for the same price or less – even when delivery was factored in.

And if you do need to shop at Amazon, then there’s free delivery on orders over £20. At worst this means waiting until you have a few things to order and doing it in one go, rather than bit by bit.

Plus you can always sign up for the odd month when you know there’s going to be lots to order – perhaps Prime Day and Black Friday sales, or ahead of Christmas and birthdays.

How to cancel or change your Amazon Prime membership

If you decide you don’t want to carry on paying the full price then it’s actually very easy to cancel your membership. It’s the same process if you want to change your type of membership.

  • On the top right of the screen (desktop), selected the “Account & Lists” dropdown menu.
  • Go to “Your account”
  • Then select “Your Prime Membership”
  • Change your subscription under “Manage Membership”
  • Choose either to cancel your membership or select “See more plans” to see other options

Is Amazon Prime Day any good?

Amazon’s member’s only sale is back this month, but can you actually save any money?

As with Black Friday, there’s quite a frenzy when it comes to Amazon’s Prime Day sale. There are often an awful lot of offers in just about every category, with a lot of them seeming to have huge discounts so it’s easy to buy things that you don’t really need.

This isn’t necessarily a bad thing if you can afford it and will use the things you buy. But, despite the discount advertised, you may actually be getting a bargain? We’ve taken a look at some of the offers from last year to find out if Prime Day is just a deception.

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.

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What is Prime Day?

Amazon Prime Day is an annual sale to celebrate Amazon’s birthday, although they’ve started to sneak another into October. It’s only for customers signed up to Amazon Prime. This comes at a cost: £95 for a year, £8.99 a month or newbies can take out a 30-day free trial.

For that money you don’t just get access to this special sale, you also get extras such as film and TV streaming and free next-day delivery. Here’s our full review with thoughts on whether it’s worth the cash.

When is Amazon Prime Day 2024?

This year, Prime Day is on 16 and 17 July. Offers will go live from midnight and run for 48 hours.

There will be some deals across both days as well as “Lightening” offers that will come and go. There will also be a few early offers in the days leading up to the sale.

How good are Prime Day deals?

There are two parts to Prime Day offers. The first are extra savings and offers, such as an extra £5 off here, or £10 credit there. These can really help bring down prices, but over the last few years there haven’t been too many of these. That could well change in 2024, and we’ll let you know on our Amazon Deals page if they do.

The other part, and the bulk of the offers you’ll see are discounted items. And there are thousands of these. I’ve taken a look at some of last year’s best offers and reached out to both the Be Clever With Your Cash and our sister site Smart Money People‘s teams to find out some of the (so-called) bargains they’ve blagged. I’ve used the price comparison site CamelCamelCamel to work out which of them got a great deal, which ones went down to the same prices eventually and who got fobbed off.

A quick caveat: CamelCamelCamel’s price history doesn’t include Prime Day or Lightning Deal prices. This means that there’s a chance that lower prices have occurred. Even so, the site gives us a good indication of the usual selling prices. More on CamelCamelCamel further down.

Prime Day 2023 offers analysed

When we asked colleagues for some items they’d bought on Amazon last year for Prime Day, it turned out none of us at Be Clever With Your Cash had bought a single item during Prime Day last year. Seeing as we’re all dedicated bargain hunters, that says a lot. But some of our colleagues at Smart Money People did shop in the sale, so here’s how their purchases rate.

Echo Pop

  • Prime Day Price: £29.00
  • Lowest price since: £17.99
  • Price now: £44.99
  • The consensus: she missed out on a great deal

Sara at Smart Money People bought herself an Echo Pop on Prime Day last year. The smart speaker costs £44.99 at the time of writing. Sara nabbed it for £29.99 in the sale, reckoning that she saved about £20 on the purchase. Since this was a new product it was a hefty discount.

But just three months later, the Echo Pop was selling for just £17.99 — she could have saved herself £11 more if she’d waited.

Anker Powerbank

  • Prime Day Price: £19.99
  • Lowest price since: £27.99 (11 months later)
  • Price now: £27.99
  • The consensus: lowest price all year

Another item Sara picked up on Prime Day was an Anker Powerbank for £19.99, reckoning she’d saved herself about £10 on it. The power bank is being sold for £27.99 right now and that’s also the lowest price it’s been since. So she managed to grab herself the lowest price on that item all year.

Garmin Venu watch

  • Prime Day Price: £259.99
  • Lowest price since: £244.99 (5 months later)
  • Price now: No longer available. It was £369.99 before removal but is now available at many retailers for £249
  • The consensus: a fair price

Sophie, Senior Insight Analyst at Smart Money People bought herself a Garmin 2S last year on Prime Day at £53.44 less than the advertised price, spending £259.99.

The CamelCamelCamel graph below suggests that she picked up a huge saving with the same watch costing far more for most of the last 12 months.

However, that dotted line shows Amazon didn’t actually sell it that often after Prime Day, which suggests it was a stock clearance price rather than a special deal. In fact the S3 was released soon after.

An alternative colour did keep selling though, often between £260 and £300, so while her watch wasn’t really available from Amazon at the listed £310 price, it looks like it was a decent price at the time.

Ultrasport F-Bike

  • Prime Day Price: £79.99
  • Lowest price since: £99.99 (2 months later)
  • Price now: Unavailable – was £100.99 before it was pulled
  • The consensus: a decent deal

A friend of mine, Jen bought herself an UltraSport F-Bike on Prime Day last year. The Bike was £133.99 at the time and was reduced to £79.99 on Prime Day. This was the lowest price on this item since 2016. It was never reduced as far as this before it was removed from Amazon, so Jen got herself a pretty good price.

Apple Airpods

  • Prime Day Price: £169.99
  • Lowest price since: £149.99 (8 months later)
  • Price now: £169.99
  • The consensus: the price went down anyway

One of the top advertised deals for Prime Day last year were these Apple Airpods. They were £189.99 before Prime Day and you could get them for £169.99 on Prime Day — not a bad deal, but if you tried to buy them today, they’re selling at Apple’s new retail price of £169.99, so the price was going to go down eventually anyway.

There was a brief time when they were £149.99, which could have saved you an extra £20 on them, but this was eight months after the Prime Day price.

But remember that technology has new upgrades all the time – the 3rd Generation pair are still the latest ones, but there’s likely to be a 4th Generation set out soon.

Barbie DreamPlane

  • Prime Day Price: £52.99
  • Lowest price since: £39.79 (1 month later)
  • Price now: £65.99
  • The consensus: you could’ve saved more by waiting

Another deal heavily advertised by Amazon last year was this Barbie DreamPlane, a toy that would’ve been on the top of my Birthday wishlist as a kid! This was sold on Prime Day last year for £52.99, down from £74.39 — a £21.40 saving on the original price — surely Amazon didn’t go lower than that.

Just a month later, the Barbie DreamPlane was up for £39.79, so waiting just a little longer would’ve saved you an extra £13.20.

Other items

Here are some of the items we analysed for this, including whisky, an IPL Hair Removal Device and the Shark vacuum.

ItemPrime Day pricePrice nowLowest price since Prime DayWait time to lowest price
Hinyx 3 in 1 Foldable Magnetic Wireless Charger Stand£19.99£29.99£29.990 months
Anker Power Bank£19.99£27.99£27.990 months
Echo Pop£29.00£44.99£17.993 months
AMINZER IPL Hair Removal Device£48.72£59.99£46.275 months
Garmin Venu 2S£259.99N/A£244.995 months
Apple AirPods (3rd generation)£169.99£169.99£149.998 months
Sony LinkBuds S£119.99£119.99£99.995 months
Philips Series 3000i Connected Air Purifier£269.99£270.00£269.999 months
Barbie DreamPlane£52.99£65.99£39.791 month
Highland Park Dragon Legend Single Malt Scotch Whisky£26.99£42.00£44.000 months
Panasonic CT54 Slimline Combination Microwave Oven & Grill with Turntable£165.00£219.00£189.005 months
Bosch Home and Garden Cordless Combi Drill£59.99£110.00£56.995 months
Remington PROluxe Midnight Hair Dryer£29.99£52.82£29.995 months
Shark Handheld Cordless Vacuum Cleaner£49.99£79.00£49.995 months
Ultrasport F-Bike£79.99£100.99£99.992 months

Conclusions: is Prime Day any good?

While it’s easy to get sucked in by some great-looking prices, last year’s big deals weren’t always the best prices offered, with a lot of items getting reduced further just a few months later for Black Friday.

It’s always frustrating when something is cheaper in a subsequent sale, and Amazon doesn’t appear to be offering partial refunds if something you bought goes down just days later (as it does over Black Friday).

Saying that, most of these prices were pretty strong at the time, so if you need an item now it could be a good time to buy. So on this basis, I’d say Prime Day deals can be fairly decent.

Of course, that’s only if you’re not buying items on a whim. This whole sale is designed to get you to part with your cash so be wary of any impluse spending.

And you should still do some quick research into whether you have a good price. Importantly, don’t trust the RRP — these are rarely the real selling prices. Instead, use price history to see what your real discount is — more on this below. Essentially, you’re looking for:

  • a discount bigger than the usual selling price
  • items that are rarely discounted
  • something which isn’t about to be replaced by a newer version – bigger discounts could be on the way
  • a price you’re happy to pay
  • something you actually want and need

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Prime Day vs Black Friday

In a lot of cases with the above items, the prices dropped again on Black Friday, sometimes further. Amazon has recently started to throw an extra Prime Day into October, with Black Friday deals too. Prices will likely be pretty similar on core Amazon devices.

Ultimately, if you see something on Prime Day at a price you are happy to pay, it probably makes sense to pick it up rather than wait. While there’s a chance you’ll miss out on a few quid, there’s also the risk that the item won’t be reduced in November!

How to find the best prices

As you’ll see from the graphs above, there are tools to help you work out whether a deal really is a deal. Here are our best picks of what you can use.

Check price history

The strangely named CamelCamelCamel is what we’ve used for the price history charts. It’s essential for helping to work out whether you’re likely to see a further drop.

You can also use it to set price alerts for when items hit a level you want to pay, though as mentioned, it doesn’t include Lightning Deals or Prime Day prices, which is a shame.

There are more price history sites that you can use, too.

Look for price-matching

Though the Prime Day prices will only be available to Prime members (remember you can get a free trial if you aren’t already, or sign up for one month at £8.99), other retailers might match prices or even offer their own deals to try to get some money spent with them rather than with the US giant.

It’s worth using Idealo, Price Spy or even just Google Shopping to see how much the item is selling for elsewhere. And don’t forget to see if you can stack other codes and savings on top!

Beat others to Lightning Deals

A lot of the offers you’ll see will be Lightning Deals with a limited quantity and limited time to grab them. Amazon obviously want to rush you into buying these offers, but there are ways to get the product in your basket before everyone else and still have time to check price history.

2024 Prime Day deals

We regularly update our Amazon Deals page with all the top offers we spot, both ahead of the day and once the sale kicks off.

There are already some early bird offers that are worth checking out.

Cheap festival and gig tickets

Here’s how to spend less on live concerts

Festivals and gigs are a great night out, but the tickets aren’t cheap. Fortunately, there are often late deals to save money on tickets.

Here are the best deals we’ve found to save you cash. We can’t do anything about the rain, though!

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.

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Ticket discounts

Concert Week: flash ticket sale

At midday on 8 May 2025, you can get concert tickets for various artists at reduced prices. Last year they started at £25. The sale is on for just 24 hours, so you’ll have to be quick if you want to get tickets.

There are tickets available for Busted, Smashing Pumpkins, Supergrass, Sugababes, Iggy Pop and Dizzee Rascal, to name a few.

Barclaycard: 5% off tickets / 10% off some events

If you have a Barclaycard credit card you can save 5% if you book via Barclaycard Entertainment and pay using your card.

You’ll also be able to get 10% off and early access to the following:

  • Download
  • Camp Bestival (Dorset)
  • cinch presents Creamfields (North)
  • cinch presents Latitude
  • Wireless (Crystal Palace and Finsbury Park)
  • Reading and Leeds
  • cinch presents the Isle of Wight Festival
  • Capital’s Summertime Ball with Barclaycard
  • Capital’s Jingle Bell Ball with Barclaycard
  • Radio X Presents events (where applicable)
  • and many more through their partnership with The Ticket Factory

Presale hacks

A good way to save cash is to get a ticket when it goes on sale – so you can avoid resale sites charging a premium on top.

O2/Virgin: Priority tickets

O2 and Virgin Media customers get access to the O2 Priority app, and this has a huge number of shows on sale before the general public can get them. And it’s possible to get access to this even if you’re not on O2!

Free tickets

Why pay when you don’t need to? There are offers where tickets are given away for free, or in return for an admin fee.

Seat filling

Sites like Show Film First and Central Tickets often have tickets for live concerts and festivals at short notice where you only need to pay a booking fee (usually between £3 and £8). I’ve written a full guide to how these work and which sites are best.

Volunteer at festivals

Each year it’s possible to volunteer at all the big festivals in return for a free ticket. This includes Glastonbury, though there’s obviously huge demand for this. Read our full guide for details on how to apply and what it entails.

Takeaway deals and money saving tips

Pay less for your takeaways when you order in, including special codes for Deliveroo, Just Eat and Uber Eats

Getting a takeaway isn’t money-saving by any means, but if you are going to order one then it pays to find ways to bring down the total cost.

Below we’ve got a few tips to help you cut the price and some top deals.

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.

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Ways to save money on takeaways

Go direct to the takeaway

You can often avoid the fees that come with Deliveroo and Uber Eats by ordering direct from the restaurant. You might even find items are cheaper too!

Collect your order

If that fails and you are happy to pop out you can often save on delivery charges by picking up your order yourself.

Obviously you can do this when you order direct, but you might also be able to combine it with discount codes via the main takeaway apps.

Look for discount codes

It’s often possible to get codes to bring down the cost of your order – especially if you’re a new customer.

Keep an eye on your emails and app notifications as you often get send special offers by the big takeaway brands.

I’ll list the best special offers I spot below.

Use cashback sites

A few of the big takeaway brands are on Quidco and TopCashback. You can earn money back on purchases from Deliveroo, Uber Eats, Just Eat, Dominos and Pizza Hut.

If you’ve not used those sites before you can also nab up to £17 back as a welcome bonus, on top of the cashback you’ll earn for your takeaway purchase. Here’s more on getting those bonuses.

Delete the apps

If you tend to regret ordering a takeaway, adding a bit of friction can help you buy them less often. The easiest way is to delete the apps. Doing this doesn’t stop you from ordering but it can take away temptation.

Just Eat discounts

Just Eat: £5 off

Get £5 off a minimum order of £25 with Just Eat this month giving you a 20% saving.

Depending on when you order, you’ll need a specific code. These are:

  • JUSTEAT8 (18-21 September)
  • SAVEME8 (25-28 September)

JustEat+: 3 months free delivery for £5.99

Just Eat has launched a brand new service to rival Uber One and Deliveroo Plus. The service, called JustEat+, gets you 90 days of free delivery for £5.99 for orders over £15, as well as additional freebies and extra deals, some of which are listed below.

You can use it as much as you want during that period. It’s not a subscription, so it won’t auto-renew when it ends – brilliant if you have a takeaway hiatus, as you won’t then be endlessly paying for a service you’re not using.

If you want to continue it once it’s finished, you can just add it to your next order.

That’s not all you get, though. There are also some restaurant-specific extra deals you can get, including:

  • A free sausage roll from Greggs on orders for £15
  • Free everyday essentials from the Co-op on orders over £20
  • Free snacks on orders over £15 at One Stop
  • Freebies on orders over £25 at Asda Express
  • Buy one, get one free starters at Pizza Express on orders over £15
  • Up to 30% off with minimum spends between £20-£25 at Leon, Island Poke, The Breakfast Club, and Busaba
  • 15% off German Doner Kebab orders when spending £15+
  • Free footlong cookie on orders over £15 at Subway
  • Buy one, get one free on selected items from Patty & Bun when spending over £20
  • 40% off total orders from Butchies when spending over £20
  • Free chicken dippers from Hop on orders over £15
  • Free chicken bites from Shake Shack on orders over £20

Is it worth it?

When ordering from Just Eat, it usually costs at least £2 for delivery, sometimes as much as £4.50. So you could easily start to save money on your second or third order, and the extra freebies might be nice if you tend to order from any of the places above.

If you have three takeaways a month, paying £3.50 for delivery each time, you’d spend about £31.50 on delivery alone. With JustEat+, you’d only spend £5.99 (assuming your chosen restaurant isn’t excluded).

However, be careful not to spend more money on takeaways because you’ve got this membership. And it’s still worth seeing if it’s cheaper to go directly to the restaurant or via another delivery company.

To get it, you just add it to your order when you check out. It expires after 90 days and won’t auto-renew.

Just Eat: 20% off on Tuesdays

Every Tuesday selected restaurants are part of a 20% off deal with Just Eat. There’s a minimum spend of £15 and the discount will be automatically applied.

Your choices can be limited, but it all depends on where you live. It’s well worth checking.

Just Eat: £8 off (ended)

Until 30 June 2025, Just Eat is offering £8 off orders with the code JUNE8.

You need to spend £25 or more to use the code. There are thousands of participating restaurants, from locals to national chains like Five Guys and Pizza Express.

It can only be used once per person.

Deliveroo promo codes

Deliveroo: Delivery pass

You can pay either £3.49 or £7.99 a month to get free delivery, depending on the size of your order. If you’re tempted by this Deliveroo Plus subscription, make sure you check out this review to see if it’s worth it for you.

Deliveroo: free delivery with Amazon Prime

Amazon Prime members can add on a free year of Deliveroo Plus – but only the tier that gives free delivery on orders over £15. We’d definitely get this if you have Prime, but don’t be tempted to order more often, or spend more on orders, just to get free delivery.

Not got Amazon Prime? You can sign up here for a 30-day free trial, then £95 a year. If you cancel Prime you’ll lose your Deliveroo Plus membership.

Deliveroo: £10 cashback from Amex each month

Anyone with an American Express Preferred Rewards Gold card can now add an offer to their card to get money back at Deliveroo every month.

You’ll get £5 back on the first two transactions each month. There’s a £5 minimum spend.

Here’s more on the Amex Preferred Rewards Gold card.

Featured deal
Customer rating 4.7/5
  • Offer
    up to £300 in free shares*
  • Annual fee
    £0
  • Trading fee
    £0
  • Minimum deposit
    £0
Capital at risk. Other fees may apply. *Invest a minimum of £300 and get up to £300 in free shares.
  • FSCS Protected? Yes
  • Transfer in existing ISA? Yes
  • Interest on uninvested cash 3.75%
  • Fractional shares No
  • Flexible ISA Yes
  • Foreign exchange fee 0.70%
  • Fund fees If you invest in funds, you'll have to pay fund fees depending on the funds you choose
  • Authorised and regulated by the Financial Conduct Authority Yes: FRN 944492
  • Risk warning Capital at risk. The value of investments can go down as well as up.
  • Offer Invest a minimum of £300 and get up to £300 in free shares. T&Cs apply. Other fees may apply.

Uber Eats promo codes

Check the app and your email for user specific codes that happen fairly regularly.

Uber One: free delivery via subscription

Uber also has it’s own scheme – Uber One – which offers discounts on takeaways, as well as rides.

Uber Eats: £3 off first order

Use the code eats-5ngkw and you’ll save £3 when you spend at least £20.

Uber Eats: 20% off with Three

Three customers can download the Three+ app to save 20% every week. Minimum order of £15 excluding delivery. More on the Three+ app here.

Free Uber Eats credit for NHS workers (ended)

Link your NHS/HSC email address to your Uber Eats account by 11.59pm on 20 December and get sent promo codes for free food and Uber rides on 23 December to be used over Christmas.

You’ll be able to claim £10 to spend on a meal or groceries via Uber Eats on Christmas Eve and Christmas Day.

And if you link your Uber account to your NHS/HSC email you can also claim two £10 Uber rides to or from work on the same days.

Pizza Hut offers

Pizza Hut: 50% off via Tastecard

There’s a trick with Tastecard to get half-price pizza every day of the week at Pizza Hut. You simply need to get a Tastecard and there’s usually a three-month free trial. 

Dominos offers

Dominos: 50% off via Tastecard

Tastecard will also give you 50% off pizza every day of the week at most Dominos. Get a three-month free Tastecard here. 

Black Friday Bootcamp – get yourself fighting fit

The things you should do BEFORE the Black Friday sales begin.

Black Friday is nearly here. Almost. Even though it won’t take place this year until Friday 28 November, the emails are already beginning to filter through and some early sales have begun. This will really ramp up later in the month.

That’s going to bring in a huge temptation to spend money, but also the potential to save money on things you actually need.

If you follow my three steps below, you’ll not only be fighting fit to get the best deals, you’ll also be able to avoid spending money you really shouldn’t.

And when the sales do start we’ll be updating our epic Black Friday and Cyber Monday sales page so keep an eye out!

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.

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Get your money in shape

This first part is ensuring you are properly prepared financially for the sales.

Check what you’ve got

Obviously you don’t want to spend more than you’ve got. If you have savings you don’t need elsewhere then that’s your fund. But make sure you keep enough back to cater for emergencies.

Consider a cashback payment card

If you are confident you’ll only spend what you can afford, then it’s worth considering a cashback card. You’ll earn a little bit back each time you spend, including some new member bonuses on some cards.

If you don’t have one you still have time to get one. The Trading 212 debit card gives you an instant digital debit card. This offers 1.5% cashback until the end of November (capped at £15 a month) if you opt to auto-invest your cashback

The new Lloyds Ultra credit card offers 1% back for a year, with no cap and the addition of section 75 consumer protection.

A bigger rate could come from American Express welcome bonuses, and you should have time to apply and get your card in time. But to make these worthwhile you have to be able to repay the full amount of spending every month.

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Find extra cash

If you think you’ll be short of the funds you need then you’ve still got time to cut back on spending elsewhere or even look to earn a little more. There might also be some cash sitting in forgotten online accounts you can use.

Do your prep

Once you know what you can afford, it’ll help you work out what you are going to buy. This second step is making sure you don’t overpay in the Black Friday sales. Plus how to avoid getting carried away and buying things you don’t need.

Work out what you need

Avoid getting dazzled by a discount – it might not be something you are going to use. That’s a waste of money, no matter how much you use it.

Write a list of what you need and what you’re looking for. This’ll help you avoid endless scrolling through pages and pages of offers.

Think about why you are shopping

A study by the Money & Mental Health Policy Institute found that 54% of those with a recent mental health problem had shopped online to make themselves feel better.

If you find yourself putting something in the basket you hadn’t planned on buying then pause. If you can leave it a few hours, perhaps even a day, you’ve time to think about whether you really want to buy it.

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Research what a good price actually is

Often the advertised discounts aren’t the real saving. Just because it says it “was £390, now £199”, it doesn’t mean it really is. This isn’t a random example.

A few years ago Argos had a Dyson vacuum cleaner as one of its headline offers with these exact prices advertised. £190 off sounds great, doesn’t it? In reality, you could have picked it up for £250 just before the sales. So yes, it’s still a good £50 off, but it’s not £190 off. So you need to be wary.

It’s easy to research the items on your list. A simple Google search will give you an idea, or if you want to take it a bit further you can look at the price history. This way you’ll know the real selling price in recent months.

Stop spending money now

If there are things you want to buy, then try to hold off until Black Friday itself. That’s when most retailers save their best discounts. Amazon is a great example, and its Echo, Fire TV and Kindle devices are likely to be heavily discounted – that’s how they get you on the site.

If you really need something now, or there’s a good deal, then, of course, go ahead and buy it. You might be able to claim a refund if the price drops later (more on this later).

Check returns policies

Make sure anything you get early can be returned. If you spot any bigger discounts during the Black Friday weekend you can always get it again at the lower price, and take back your original purchases for a refund.

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Make your savings even bigger

Fast forward a few weeks and the sales are finally here. You’ve got your list of what you need to buy and know your budget so you can be more focused on your shopping.

This last part is full of the tricks to make sure you’re getting even more savings when you shop in the sales.

Use cashback sites

Quidco and Topcashback give you a little more when you shop. If you’ve not signed up I’ve deals that’ll get you a combined £40 bonus the first time you use each one.

Don’t forget your cashback card

And if it’s a credit card make sure you pay it off in full when the bill comes. 

Use a discounted gift card

A hack that’s been around for years but has recently got easier, is to buy a gift card at a discount and then use that gift card to pay. Here’s more about the pros and cons of paying this way.

Don’t get carried away

These sales might often have low prices but if you can’t afford it now, wait. You can still get a decent price at other times of the year, possibly even better if you time it right.

Shop with intent

That list you made of things to buy? Stick to that by only searching for those items. Be wary of just browsing.

Try to price match

The John Lewis & Partners’ “Never Knowingly Undersold” price promise is back, and there are other retailers who offer something similar. This can help you bring prices down more – sometimes even after buying.

And there are some shops, including John Lewis, where if you bought from them and the price subsequently drops, you can get the difference refunded.

Our podcast

Listen to Cash Chats, our award-winning podcast, presented by Steve Alderton and Editor James Andrews.

Episodes every Monday.

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Avoid Buy Now Pay Later services

I’m really not a fan of services like Klarna. They encourage people to buy more than they can afford, which can cause financial problems down the line.

The only reason they might be handy is if you are getting more than one size of an item and know you absolutely will return the ones that don’t fit. In that case you might be able to avoid paying for those extra sizes at all – though some refunds are taking a while to come through from shops, so don’t bank on this.

Sign up to our newsletter

Our weekly newsletter is worth signing up for anyway, but on the Thursday before Black Friday I’ll share the essentials you need, and hopefully some exclusive discounts.

Check out our ultimate list of Black Friday shops and deals

Our Black Friday deals page doesn’t have anything yet, but it will be updated with early deals when they start to appear. And then as more information is released, a huge list of who is doing what, and some of the top deals. So book mark it now and come back later in the month.

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Tesco Clubcard Plus review – is it worth it?

Tesco promises savings of over £400 a year but you’ll have to pay a monthly subscription

Tesco launched Clubcard Plus – a premium version of the popular Clubcard loyalty scheme – back in 2019. As a member you’ll potentially save up to £384 a year on your groceries – as well as take advantage of other features.

The idea, much like Amazon’s Prime, is to bundle in lots of services together and build brand loyalty. I’ve taken a look at what it offers, to help you decide whether it’s worth paying for.

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.

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How much does Tesco Clubcard Plus cost?

You can upgrade to Tesco Clubcard Plus for £7.99 a month. You’ll be able to cancel it for months you don’t use it as there’s no long-term commitment when you sign up.

There’s also a free trial for your first month (more on this in a bit), which means if you do keep it you’re looking at £87.89 in year one, then £95.88 in subsequent full years.

What do you get with Clubcard Plus?

  • 10% off two big shops in-store each month. Max £200 per shop. Exclusions include:
    • petrol
    • lottery
    • gift vouchers
    • tobacco
    • baby formula
    • prescriptions
    • magazines
    • stamps
    • wine that is in the 25% off when you buy six bottles promotion
  • 10% off Tesco brands on every shop including
    • F&F clothing
    • Tesco Pet 
    • Fred & Flo 
    • Go Cook
    • Go Play
    • Go Create
    • Fox and Ivy
    • Paperchase
  • Double data from Tesco Mobile for one mobile registered at your address
  • Fee-free overseas spending with Tesco Bank credit card

The best deals

Find our picks of the best offers in our dedicated deals library

Are the supermarket savings any good?

To cover the £7.99 a month you’ll need to spend £79.90 on groceries in Tesco across two transactions. That could be across one £80 shop, or two lots of £40 (or any other combinations). If that’s your regular supermarket spend that’s going to be easy to reach, possibly with just one visit. 

Ideally though you’ll want to spend more to take full advantage of the 10% discount. There’s a £20 cap per shop, or £40 per month. This means if you spend £200 on two occasions in a month, it’s possible to knock £40 off at the till every month.

Once you factor in the fee you’ll really be saving at most £32.01 each month, potentially adding up to around £380 a year.

More realistically you’ll likely spend – and save – smaller amounts, though saving some regular big purchases for when you use your discount will help.

Fortunately you do get to choose which shops you use the discount for. You’ll need to go into the Clubcard app and download a code to scan at the till. However, it is in-store only and not online.

So if you do your main shop at Tesco then this is a must, as long as you are going to spend at least £80 a month across two transactions.

Should you swap to Tesco for the discount?

If you have a Tesco near you, then I think Clubcard Plus could be a good reason to swap over – at least for a couple of trips each month.

Though it’s not usually the cheapest supermarket out there, it’s often not much more than others, and the 10% back could make enough of a difference to be worthwhile.

Double your discounts hack

You should also be able to sign up more than once per household. Yes, you’ll have to pay two lots of £7.99 every month, but if you are spending enough at Tesco it could be worth it as you’d get the discount on four shops rather than two.

Remember, as long as there is at least £79.90 spent each month on each card you are covering the fees. But only do this is you are likely to max out the two lots of £200 on the main Clubcard Plus account in your family.

Are the other features worth paying for?

If you don’t shop at Tesco then I don’t think the other features warrant the £7.99 fee on their own. But if you are already getting the fee back (and more) from Tesco groceries then it’s worth checking out what you could get.

The 10% off Tesco brands such as Tesco pets could save you a decent amount, but work out whether you can get these items for less elsewhere first.

The fee-free spending abroad credit card is a bit pointless when better bank cards exist, such as Chase Bank and Starling’s debit cards.

The double data offer on Tesco Mobile sounds good, but since it only offers 2GB or 12GB as entry-level SIM-only deals, you’re either getting too little or too much data, even with the extra thrown in. It’s better to shop around and find a SIM elsewhere.

How to sign up for Tesco Clubcard Plus

You can apply online or via the Clubcard app. You won’t get a new Clubcard – instead you’ll operate the extra savings from the Tesco app on your phone.

Tesco Clubcard Plus free trial

If you’ve not used Clubcard Plus before or haven’t had it in the last six months and not had membership for six continuous months, then there’s currently a month free trial for Clubcard Plus.

You get all the same discounts, so it could be worth up to £40 off in the first month.

You can cancel at any time during the first month and you’ll continue to get all the discounts until the next month.

Can you cancel Tesco Clubcard Plus?

Yep, it’s easy to cancel, and there’s no commitment past each 30 days. So remember to stop it when you’re not using it (such as when you go on holiday). You can reactivate your membership when you want to get the benefits again.

More Clubcard savings

You can of course continue to earn Clubcard points on your Tesco shopping. Here’s my pick of the best ways to earn and spend Tesco Clubcard points.

The best price comparison and price alert sites for your shopping

Never pay more than you need to when shopping.

We’re used to using comparison sites for things like mobile phone contracts and insurance, but this kind of tool isn’t limited to bills.

You can quickly get a sense of the cheapest prices out there for a huge variety of items – from tech to trainers – with just a few clicks either to locate where you will buy or to use as a benchmark for further deal hunting. And if everything is too expemsive, you can also set up price drop alerts.

So download these apps or bookmark these websites and make sure you check them before you shop.

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.

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Getting the best out of comparison sites

1. Use more than one

I’ve listed below the main ones I use, but it’s often worth a quick look at a couple of these sites as some retailers won’t appear on them all. You might also want to search a few different permutations if there are different models or colours as the price could vary on those too.

2. Watch for extra costs

We all know that the price you see isn’t always the final price you’ll pay. Fortunately, all the sites listed here will allow you to search with or without delivery. I’d suggest searching without this cost as a default, then if there are extra costs, checking after to see if there are ways to get free delivery.

3. Use the prices as a guide

The lowest price you find might not be the cheapest you can get it. Once you’ve found a handful of retailers with similar low prices, take a look at cashback and voucher code sites to see if you can get the price down even more. Doing this could well make the third or fourth lowest price on the comparison site the cheapest one overall.

4. Check price history

I’ve written before about how price history trackers are essential to work out if you’re getting a good price, so I won’t focus massively on it here. But many of these sites also offer this feature, so it’s worth checking while you’re looking at prices to see whether it’s worth buying now, or waiting for prices to fall.

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5. Set price alerts

If you don’t spot a price you’re willing to pay, then some price comparison sites will set alerts for a target price. If the product price does drop to or below this you’ll get an email letting you know.

This can be really handy as it avoids you having to constantly check prices, and reduces the chance you’ll miss out on a great deal.

Sadly it will be limited to the retailers listed on each site, so you might need to have a couple of alerts across a few of the comparison site. And don’t forget to turn them off once you’ve made your purchase.

6. Get the app

Though you could just use your mobile phone’s browser to access these sites, some also have apps. These are particularly handy when you’re out and about as they tend to have barcode scanners, meaning you’ll get the exact product pop up instantly.

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The best shopping comparison sites

Google Shopping

Over the years, my go-to price comparison tool has been just to whack the item into my browser bar. As I use Chrome, it defaults to a Google search, so this is the fastest way to see what’s out there – at least in the first instance.

The first results you’ll see are usually adverts, so you’ll want to hit “Shopping” in the filters to get all the results. A search for Sony’s WH-1000XM6 headphones brought up a few different options for the same product, but clicking allowed me to see results from a few more retailers. But be careful you’re not accidentally looking at a similar product that’s listed in the mix.

However, Google Shopping doesn’t show every retailer, or allow you to see price history or set price alerts, which is where these other sites come into play.

PriceSpy

Of them, PriceSpy has the edge thanks to a better price history interface. You can drill down the price changes at individual retailers. Simply click the main price history graph to open up a price history table. 

You can then expand the information for each shop. You’ll not only see what the price changes were, but when they happened, giving you an idea as to whether this is a regular promotion or a genuine special offer.

PriceSpy is also available as an app so you can search prices on the high street too and scan barcodes.

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Idealo and Pricerunner

Alternatives such as Idealo and Pricerunner both also have comparison and alert features, but it’s harder to drill down into the price history functionality.

Trolley (supermarkets and cosmetics)

Trolley is useful for any shopping you do at the major supermarkets, along with Boots, Superdrug, Savers and WIlko. Though it’s item by item rather than your whole basket, it’ll help you spot where to go for anything particularly pricey in your basket. You can also use it to check if a special offer really is giving you a discount, or whether it’s the going rate elsewhere.

Just Watch (for digital movies & tv)

Just Watch is essentially a database of streaming services, so you can look for the film or box set you want to watch and it’ll share not only which services have the title, but if you’re buying or renting, the different prices.

There’s a Just Watch app you can download, and even save titles to your watchlist.

Of course, make sure you can’t save more money by using a promo code or special offer. Here’s my list of the best deals for movie rental sites like Chili, Rakuten and Prime Video.

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The best price alert sites

Price Spy, Idealo and Pricerunner

All three of these allow you to set alerts, and as they’ll be monitoring across multiple retailers you’ve a better chance of bagging a bargain.

Amazon – Camel Camel Camel (alerts and history only)

Since this site will only look at prices on Amazon itself, it’s not a price comparison site. However, Camel Camel Camel will let you look at options direct from Amazon and third parties and set price alerts. You can also track the price history.

I’ve installed an extension into my Chrome browser that lets me quickly see the price history graph without having to open up a separate tab.

If you don’t want to do this then a shortcut to find the items is to copy the product code from the Amazon page URL (highlighted in the pic below). It’s always in the same place. Then paste this into the Camel Camel Camel search bar and you’ll get the exact product you’re looking at.

How to quickly grab the Amazon product code from the URL
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Price Drops

You can’t compare prices on Price Drops, but you can set alerts. If you find the comparison sites above don’t list the retailer you’re after, it’s worth a look here.

eReader IQ (for Kindle books)

eReaderIQ is a fantastic site to track price changes on Kindle books. You can search by a specific title and see the price history at Amazon, and you can set alerts to be notified when prices fall.

But you can also use the site to show you titles which are discounted, marked as significant price drops or deals under £1.

Your Christmas money checklist

Tips on managing your Christmas budget and getting the best value

Christmas is usually one of the most expensive times of the year. And it tends to creep up on you faster than you think – meaning it’s a good time to start thinking about how much you’ll spend.

In fact, it’s never too late (or early) to get started on your Christmas prep.

Here, we share a Christmas money checklist of the main expenses to help you manage your finances this Christmas season.

We’ve also thrown in some tricks to help you cut costs and make sure you have enough money to cover everything.

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.

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How to pay for Christmas

This first point on the checklist is possibly one of the most important. Actually it IS the most important. If you don’t know how you’ll pay for Christmas it could cause a world of pain next year.

Decide what you can afford

It’s so easy to overspend, so now is the time to work out not just how much you can afford to spend overall, but also how you want to split that between each individual person and part of Christmas.

To do this, you need to get two figures. First check your bank and savings balances to work out how much money you have now – though don’t assume you can or should put that all to Christmas. There will no doubt be other expenses that need to be covered in the coming months, such as holidays you want to save for. It’s also a really good idea to have an emergency stash for the unexpected costs that always crop up.

Then take a look at how much more you’re going to earn in the run-up. That’s essentially your income each month after taxes, minus your expenses. Again, you might not want to allocate all this extra cash towards Christmas.

Add the existing funds you’ve set aside for Christmas to the money you expect to come in, and the figure left is the budget you have available to spend.

Work out what you want to spend

Next you need to think about what you want to spend. Think about all the aspects that usually come along each year. Obviously there are presents and food to buy, but what about travel, work parties, decorations? We’ve detailed a few of these further down this article.

Then allocate a spending amount to each one. Try to get these as accurate as possible. Once you’ve done that, get a total expected spend.

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See where you can spend less

In all likelihood you’ll find this figure is larger than what you’ve budgeted for. In a minute I’ll talk about ways to perhaps find extra cash to help fill the gap. But if that doesn’t work the best option is to find where you can spend less.

That could be mean some hard decisions, but people will not want you getting into debt just to buy more presents or more food.

Talk now to friends and family about the situation (they’ll likely be feeling the pinch too). It could be you agree on price caps for presents, or even decide you’re only going to do a Secret Santa with friend groups rather than everyone buying everyone a separate present.

Look at cheaper ways to borrow

Sadly cutting back is easier said than done for many at Christmas. If you feel it’s not an option for you, and you know you will absolutely spend more than your budget, then at least find cheaper ways to borrow.

With each of these, you should still know how and when you’ll clear the debt next year before you spend. The alternative is the interest and charges will keep adding to the money you borrow, and potentially causing bigger money issues.

So where do you go? Be particularly careful with Buy Now, Pay Later. Though it seems convenient, it’s easy to lose track of how much you owe, and they could tempt you to spend even more than you can afford.

Overdrafts aren’t great either. In fact they could e one of the worst ways to get through Christmas – interest rates are now around 40%. But some banks will offer an interest-free buffer which might help.

You could instead look at a 0% interest purchase credit card. Watch out for interest charges if you don’t clear the balance by the time the promotional zero per cent period ends. You need to know how you’ll repay your spending before that happens.

Or, see if there’s a credit union near you. Though there will be interest charged on your loan it should be one of the most affordable – unlike payday and other high-cost loans!

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Can you find a bit of extra cash?

Giving your budget a cash boost is a surefire way to help you cover costs.

Check for forgotten cash

Now is the time to check that you don’t have any money left in your account. It could be Clubcard or Nectar points you’ve accumulated, credit owed from your old energy supplier, or a refund to your John Lewis account. Check out this round-up of places to look for forgotten cash for more.

Get some banking bonuses

One of the best ways to make some easy cash is to switch to a new bank account, with up to £400 on offer. Most of the current deals should pay out just before Christmas, but if not it’ll certainly help when you’re low on funds in the New Year. Here’s my guide to all the latest bank switch offers.

Apply for a cashback payment card

Many of the welcome bonuses for American Express cards require a heft spend of at least £2,000 in three months, so the next few months can be the best time to get one. And in return you can get up to 5% cashback or extra points worth a few hundred quid.

I always suggest waiting for a boosted offer, though these increased bonuses on the Amex Gold and Platinum cards have just ended, so I don’t know if we’ll see another one this year.

However, remeber you must pay off the balance in full every month to avoid interest charges. If you don’t do this it’s a waste of money.

Here’s our guide to the best cashback and reward credit card offers.

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Booking travel

Planning and booking your travel as early as possible can help you save money on your journeys around Christmas time.

Trains

If you know you’re heading to visit family by rail then the earlier you book your tickets the better. Since most trains only let you book 12 weeks in advance, we’re now in the window for both Christmas and New Year.

These go fast, so don’t sit around. Here’s how to make sure you don’t miss out on the cheapest advance tickets.

Flights

Flights are a different matter – and already the cheapest tickets are probably gone. But if you’re still to book, you’ll save money by leaving earlier in December or coming back later in January. Mainly you need to avoid the peak days, though it’s often a bit cheaper to travel on Christmas Day or New Year’s Day.

Cars

Again, book any hire car early. Look on comparison sites for the cheapest prices, and search for any cashback sites, voucher codes and other discounts.

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Buying gifts

Probably the biggest expense each Christmas. But if you’re clever with your cash you can get more for your money.

Shop in the sales

Sales will help you get better value. You all know about Black Friday, which seemed to stretch for the whole of November and into December last year. It’s often a very good opportunity to buy presents.

But don’t get caught up in the hype for any sale or promotion – deals aren’t always as they seem. Always shop around and compare prices. Better yet, plan what you’re going to buy well in advance of setting foot in a shop.

Plan for deliveries

Yes, we’re used to online orders reaching us pretty fast, but after Black Friday some warehouses and courier companies struggle to meet the demand. That could mean you have to pay more for guaranteed delivery or need to spend again to replace things that don’t arrive. So the lesson here is simple – don’t leave your Christmas shopping to the last minute!

You can also cut delivery costs with a few tricks, such as ordering to collect in-store, or adding on cheaper items.

Wait for post-Christmas bargains

There are occasions where you’re better off delaying your purchase – even after Christmas day itself! If you’re like me you won’t be able to see everyone before 25 December and end up still visiting people and giving presents right up to New Year’s Eve.

That means you can pick up some gifts – specifically anything Christmassy – for much less if you leave it late. I’ve picked up wrapping paper, chocolates, decorations, novelty jumpers and more at a fraction of the price.

Though the lowest prices will be from Boxing Day onwards, some shops will start discounting this stuff earlier in December.

Buying cards, wrapping and decorations

These are the things that could well get forgotten, so make sure you’ve got them covered to avoid overpaying.

Cards

Ideally you’ll have picked these up in the sales last year. If not, then shop around. Personally, I’d look to get cards directly from charities themselves rather than the big shops as then more of the money goes to the causes.

Or if you really want to save money (and paper), you can create free online cards which can be emailed.

Stamps

A few years back I uncovered the shocking mark-up corner shops are putting on postage stamps.

If you still send Christmas cards, make sure you buy your stamps from authorised retailers. They can’t increase the price.

Wrapping paper

My trick here is to buy plain paper. Whether that’s a blinging gold, bright red, shiny silver or basic brown. The reason? I can use these for other presents throughout the year. They work fine for birthdays, weddings, and pretty much everything.

Decorations

If you still need to buy things for the tree then try to wait as close to Christmas as you can. Everything from baubles to artificial trees is heavily discounted from mid-December. The Christmas a few years ago we picked up a great artificial tree at 50% off on 22 December.

Stock up on next year

Ok, so this is no good for this year, but it’s worth remembering come late December and early January that the biggest savings come not for this Christmas but for the next one. Come the sales you can pick up cards and wrapping paper for next to nothing. Stock up for a fraction of the price.

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Buying food & drink

We spend a lot on food and drink over the festive period, but it’s possible to pick up some decent deals.

Book your Christmas delivery slot

Most supermarkets have already opened bookings for Christmas, so if you want a slot you don’t want to leave it much later to secure it. Here’s when each supermarket allows you to book Christmas deliveries.

Boost your budget with Xmas Saver trick

Morrisons, Tesco, Asda and Co-op all run a special boost at Christmas for people who save with them. You can get up to 6%, and you reduce the risks that come with these schemes if you time it right. Here’s what each supermarket is doing.

Plan what you need

If you tend to waste food at Christmas, then the simple answer is to buy less – and this will save you money. Consider who you need to cater for, and work out what you’ll actually need. If you want to make sure you don’t run out then once more get supplies that either have a decent shelf life or can be frozen.

Reduced bargains

Longtime readers and listeners will know I love a good supermarket reduction. And there are very few times for these that are better than Christmas.

That’s because shops will close on Christmas Eve, and might not open again until 27 December. So that’s at least one day, possibly two days, of food that needs to be cleared out.

Of course, supermarkets are on to this and I’m sure there’s definitely less food produced with use by or best before dates of 25 and 26 December.

Even so there are enough bargains to be had as the shops try to clear the shelves. And some of the best bargains are on festive foods. So get some space in your freezer!

Alcohol deals

The supermarkets tend to have a price war on wine, beer and spirits, meaning you can get some low price booze for your celebrations. But these tend to end a few weeks before Christmas. So stock up early. You can keep an eye on the latest deals in our supermarket wine offers round-up.

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Ways to manage your money and mental health

Reduce the impact money and your mental health have on one another to keep both under control.

Often, people think of mental health as serious conditions such as bipolar or depression, but it’s something we should all consider – not just for ourselves but for friends and family. Mental health is pretty much how you’re feeling and functioning. It can be good, it can be just ok.

But all of us will have moments where it’s bad – even if it’s not a condition that might require longer-term management or medication. Whenever we’re feeling down, feeling stressed or feeling lonely we’re experiencing poor mental health.

And there’s a good chance any of these can impact our finances. Here are a few tips to help you keep on top of things.

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How mental health impacts your money

On a more severe end of the scale, poor mental health could mean you need to miss work, causing you to lose money. It’s common for people to get anxious when dealing with any kind of admin, but when that’s bills or bank statements it can be a larger issue.

Motivation can be a problem, leading to important money matters being ignored. Or perhaps moments of depression or mania could prompt people to spend more money (or money they don’t have.)

The worst-case scenario is that these scenarios lead to unmanageable debts – but it can work the other way too. The two are linked. Money problems can feed depression and anxiety, and that in turn can impact relationships, work and family. Big life changes can make a difference to both finances and mental health too, such as having a baby or losing a loved one.

So it’s not something we should dismiss or hide from. It’s important to take some action before anything happens.

What you can do

Here are some things you can do to manage your finances if you’re likely to experience poor mental health

Automate as much as possible – this means having standing orders and Direct Debits set up so you don’t miss payments when it gets too much to deal with your finances. You can also automate your savings.

Keep on top – When you’re feeling good, build a budget so you know exactly how much have and spend. Then use apps such as Snoop or Plum to keep track of balance and spending, or use a digital bank like Chase, Revolut or Monzo. Find out if your bank will send text or app notifications when you spend or to let you know about upcoming payments.

Use webchats – If you don’t want to pick up the phone, look for a webchat option when getting customer service from your bank.

Give access to a family member or friend – They can deal with banks and bills when you can’t – but you have to absolutely trust them with your money.

Make it harder to spend – Don’t take cards out with you and don’t let browsers remember card details. Or you can just make sure you don’t have credit cards at all. You can also look into ways to stop impulse spending.

Talk to your bank – Many banks will have a dedicated support team who can work through different options to help you manage your account.

Get help with your finances

Get free debt help – It’s important to deal with money problems before they become a crisis, but it’s never too late to seek help. And importantly, you shouldn’t pay for this. Places like StepChange and NationalDebtline are good options.  MoneyHelper (formerly the Money Advice Service) has a free tool to find free advice near you, whether that’s face-to-face, over the phone or via online chat.

Elsewhere, MoneySavingExpert has created a great guide on mental health and debt , and the Mental Health & Money Advice website has information about benefits and support you can get.

Get help with your mental health

Talk to someone – Samaritans, Rethink, Relate and Mind will all provide you with someone to chat with about what’s going on.

Visit your GP – Your doctor can help you find treatment and direct you to other services available.