Cash Chats #88 Digital banks

Why do people love banks like Monzo and Starling, and should you open an account with one?

Monzo, Starling, Revolut and others are part of a new raft of digital banks you can only open and manage from your smartphone. They’re becoming increasingly popular, often with a cult-like following from largely millennial customers – something you never see with traditional banks. Probably the most loved is Monzo, which is leading the bunch with more than 2.6 million customers and growing fast.

Many people open one of these accounts for the incentive of fee-free spending overseas, but other people swear by the features that help you budget and keep track of your spending.

But these banks still face challenges. Monzo asked 20% of its users to change their pins a few weeks ago, while some have faced payment problems and others gone out of business. And not all these new “banks” are actually banks!

With lots to talk about, your host Andy Webb has been joined by Moneywise deputy editor Edmund Greaves to talk through how they are different from the traditional banks, and whether your money is safe.

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FURTHER READING:

Read more about the banks and apps discussed in this week’s episode:

Andy’s review of Monzo (Be Clever With Your Cash)

Monzo launches short term loans (The Guardian)

The digital banking revolution is here. So why are so few people putting their salaries into app-only bank accounts? (Moneywise)

Spying, defections and regrets: Inside the bitter feud between Starling Bank and Monzo (The Telegraph)

Switching bonuses, cashback and interest offers from high street banks (Be Clever With Your Cash)

ABOUT CASH CHATS

Cash Chats a twice-weekly podcast presented by money blogger and broadcaster Andy Webb.

At the start of the week, Andy you gives the low-down the best ways for you to make the most from your money. He’s often joined for these episodes by a member or friend the UK Money Blogger community for friendly and accessible conversations, covering topics as diverse as money saving and investments.

Then on Thursday, you can listen to a bonus “deals of the week” episode – a quick rundown of the hottest offers from the last seven days.

Andy also runs the award-winning website Be Clever With Your Cash, presents Channel 5’s Shop Smart Save Money and founded the community ukmoneybloggers.com.

To contact Andy email [email protected]

SOCIAL LINKS

Andy’s handle is @AndyCleverCash and you can follow him over at:

twitter.com/AndyCleverCash

instagram.com/andyclevercash

Ed is @edgreave on Twitter

twitter.com/edgreav

 

Deals of the week

All the top deals from the last seven days.

You can read more about the deals in this video below, and find more in my deals and vouchers section of the blog.

Deals of the week bonus episodes

Each week I make a bonus episode of the podcast sharing the deals of the week.

If you want more info and the links for the offers I talk about, head over to the deals section of the blog.

15th August 2019

8th August 2019

This week:

TASTECARD CINEMA TRICK

https://becleverwithyourcash.com/cash-hack-no-6-cheap-cinema-tickets-with-1-tastecard-trial/

FREE SANTANDER CYCLE HIRE

https://becleverwithyourcash.com/latest-travel-deals/

SKY SPORTS / NATWEST HACK

https://becleverwithyourcash.com/cheapest-way-to-watch-sky-sports/

JOHN LEWIS VOUCHER OFFER

https://becleverwithyourcash.com/gift-card-voucher-deals/

£15 FLEABAG LOTTERY

https://becleverwithyourcash.com/latest-theatre-deals-discounts/

£10 AMAZON VOUCHER FOR ENERGY SWITCHING

https://becleverwithyourcash.com/should-you-use-an-automatic-energy-switching-service/

 

1st August 2019

24th July 2019

18th July 2019

11th July 2019

3rd July 2019

26th June 2019

20th June 2019

13th June 2019

6th June 2019

29th May 2019

22nd May 2019

16th May 2019

Cash Chats #87 Overdrafts

If you use an overdraft then you might not realise just how much it’s costing you – and it could be a lot.

Andy Webb is joined by Sara Williams from the Debt Camel blog to discuss why an overdraft could be costing you more than you expect, and how changes on the way to simplify charges could be good or bad news for your bank balance. Plus, a few ways to bring down your overdraft.

SUBSCRIBE & LISTEN TO OTHER EPISODES OF CASH CHATS (it’s free!): 

APPLE PODCASTS       GOOGLE      SPOTIFY

FURTHER READING:

Sara blogs at Debtcamel.co.uk. Here are a few of her articles on overdrafts:

Andy’s also written about the real cost of overdrafts on Be Clever With Your Cash

ABOUT CASH CHATS

Cash Chats is presented by money blogger and broadcaster Andy Webb.

Andy runs the award-winning website Be Clever With Your Cash, presents Channel 5’s Shop Smart Save Money and founded the community ukmoneybloggers.com.

To contact Andy email [email protected]

ANDY ON SOCIAL

@AndyCleverCash

twitter.com/AndyCleverCash

instagram.com/andyclevercash

Save money on the motorway

If you’re likely to be bombing up and down the motorway soon, I’ve got a handful of tricks to help you avoid overpaying on everything from fuel to food.

We all know motorway service stations are expensive. It might seem like we’re being ripped off, and there’s certainly a element of the operators knowing they’ve got a captive market. But in part they need to charge more to  cover the costs that go into building and then running the businesses.

You might think there’s not much you can do about it. But you can. Here are some tricks and tools you can use to either avoid service stations completely, or at least reduce how much money you spend at them.

Plan before you leave

The easiest way to avoid paying more than you need to requires just a tiny bit of forward planning.

Petrol

If you know you don’t have enough in the tank to get you where you need to go, then plan to fill up. If that means you have to go slightly out of your way then do it it can be worth it to avoid the markup on the motorway which is going to be huge. We’re potentially talking around 20 to 30p more per litre on the motorway than at one run by a  supermarket.

I’ve written before about finding the best petrol prices near you, but the main websites to help compare prices are Confused.com and Petrol Prices.com. 

Food & drink

Personally, I hate eating at service stations. It’s either a crap pasty or sarnie, or a McDonalds, which I try to avoid at the best of times. I’d much rather have made my own packed lunch. It’s going to be tastier and cheaper, and it’ll be quicker than queuing up and waiting for your order.

On a long journey, I’ll always bring a couple of reusable water bottles that I’ve filled up. I don’t drink hot drinks, but we’ll often make a cup of tea for Becky in a travel mug.

If you really can’t be bothered with either of those, then at least grab a meal deal from Boots or the supermarket. It’ll be a fraction of the price you’ll pay at a service station.

Go “off-junction” 

If you haven’t got the time or inclination to prepare in advance of your trip, you can still cut what you pay by travelling just a short way off the motorway.

There are a couple of sites to help you identify what facilities are available – and they’re also handy if you’re desperate for the loo but there isn’t a service station for ages. Of course, if you’re driving on your own these aren’t much use! But if you do have someone with you, then just get them to load one up on their phone.

Just off the Junction website

This website aims to list alternative facilities within a five-minute drive of a junction. It’s good for finding petrol stations and supermarkets. With other places to eat they tend to be pubs and restaurants, which might not be the most convenient if you’re in a rush.

You also need to bear in mind a few potential risks. First, check if there’s access both north and southbound. Some exits will only be on one side of a motorway. And second, it’s possible the information could be out of date. You can mitigate the latter by giving them a quick call.

> Visit Just of the Junction

Next Junction app

Again, I’m not sure how often it’s updated (so it’s worth checking), but this free app is very easy to use. You can just look at what’s coming at the next junction, or search by motorway and then junction, to see what alternatives are nearby. You can also favourite certain locations – handy if you’re regularly making the same trip. 

> Download Next Junction

On the motorway

If you really have to use a service station, then these simple tips should help.

Don’t fill up at the pumps

It’s always tempting to fill up at a petrol station – it saves you having to stop again at the very least. But don’t. Just put in enough to get you to your destination, which in all likelihood will have cheaper pumps.

Use your loyalty schemes

If you are going to get petrol at a station on the motorway you may as well get some loyalty points while you’re at it. Apps like Stocard can let you store multiple cards digitally so you don’t need to carry loads around with you.

Shop around

Somewhere like a WH Smiths is expensive at the best of times for snacks and sweets. It’s even pricier on a motorway. So just do a quick look around at all your options as you could be getting a better deal elsewhere at the service station.

Pick the right service station

If you’d rather there was a Waitrose or McDonalds than an M&S or Burger King, then you can use the MotorwayServicesOnline website to see what’s where. There are also lists of other facilities such as cash machines, showers, electric car charging and so on.

Plus not all the places you stop on the motorway are as boring and grey as you’d expect. There are some independently run ones out there, including the pretty fantastic Gloucester Services on the M5, which is hidden under a green hill a bit like the Teletubbies home. It’s got a fab farm shop, a nice mini-lake to eat by and a decent enough cafe – though of course it’s not necessarily going to be any cheaper than the others! 

Lessons from getting a new kitchen fitted

What went well and what didn’t when we got a new kitchen.

When we started looking at getting our kitchen replaced I was amazed at just how much new ones can cost. We’re possibly talking tens of thousands of pounds. Even budget options don’t come cheap. 

We shopped around a few different suppliers, big and small. I did a fair bit of research, including reading the guides on Which? magazine to get an idea of reliability and durability. Finally though, we went with the kitchen we liked the best, which was sold by Magnet.

Well actually, it was the second-best one we liked, essentially the next model down. But the style was very similar and it came in the same colour choices. Most importantly the price was decent compared to other similar options.

Even so, it wasn’t smooth sailing. Here’s what we did that worked out well, and the things we wish we’d done differently.

Choosing your kitchen

Look for inspiration

We looked in loads of brochures and websites to get new ideas and inspiration that was invaluable in shaping what we wanted. This was really important as the most expensive mistake you can make is to have a kitchen fitted that you don’t like or isn’t fit for purpose.

Get some plans drawn up

When we then started looking in ernest, we arranged a visit from Magnet to measure up and draw out some plans. These really helped us work out where we wanted things and visualise how it’d look in our space.

Tell them what you want and where

Though these salesmen should, in theory, know about kitchen design, I was surprised how much more I instinctively knew. For example there’s a well-known rule called the Kitchen Triangle”, where you want the flow between sink, oven and fridge to be triangle-shaped and generally unobstructed and relatively close to each other. Yes rules can, and often should, be broken, but their initial plans completely ignored those basic principles. So we had to clearly say what we wanted and where. You’re spending a lot of money here so make sure you get what you want!

Don’t order what you don’t want

Of course, the suppliers want you to buy as much as possible from them, which means adding things to sketches you didn’t necessarily want. They hope once you see them in the images you’ll feel you can’t go without. This could be whole extra units, or it could just be smaller extras such as lighting.

Check those plans

Despite going through a few iterations to get the kitchen just right, we still found not everything was updated on the plans, or wrong items had been put on the order (for example, white end panels rather than blue). So just double, actually triple, check everything.

Paying for your kitchen

Buy it yourself

It’s tempting to get a builder to order on your behalf if they’re going to be fitting it for you (more on that in a bit). The main motivation here is they can often get a trade discount. Great. But there’s a big, big risk.

We actually had a builder lined up to start work on our house almost 10 months before it actually happened, and we were going to order the kitchen via him. But, just weeks before we were due to get started he went bankrupt. Fortunately, we hadn’t handed over any cash, but if we had then we’d have likely lost it all.

Plus, if you’re project managing further renovations at your property, there’s no reason you can’t be “trade” too. That’s what our friend did last year.

Haggle on the final price

These big stores always seem to have a sale on, and in my experience they’ve got room to move on those too. So get them to quote and ask what they can do to help bring the price down.

Pay some of the deposit on a credit card

It doesn’t have to be the full amount, but if you put down some of the money via a credit card, then you will get Section 75 protection. This is an extra layer of consumer rights which would make the credit card company equally liable if something was to go wrong. However, the kitchen does have to cost less than £30,000.

Consider 0% finance

I’m not someone who likes to borrow money, but we did take the kitchen out on a 12-month finance deal. Now, we actually have the cash, and could have paid for it. But by putting it on finance it just gave us some wiggle room in case of unexpected costs (which did come up in our building work), and we could leave it earning some interest. Of course, I’m going to pay it all off before the 12-month period ends to ensure I don’t get charged any interest at all.

Buying your appliances

I avoided buying any appliances direct from Magnet. Apart from the fact the range is often limited, you’re also likely to pay more than if you source them yourself. I was able to shop around and get better appliances for less money. And that’s not just big things like the oven and fridge. I also shopped around for the tap and sink.

Look for price-matching deals

Once we identified the oven we wanted, I looked around for the best price. Once I found it at a decent price, I then got John Lewis to price-match, which meant we also got a two-year guarantee.

Haggle on large orders

If you’re buying lots of new appliances then it’s worth seeing if suppliers will give you a deal. I found our fridge and freezer at the lowest prices from Mark’s Electrical and got them to give me a further discount on a dishwasher if I bought them all at the same time. 

Get graded appliances

Graded appliances are usually ex-display items which might have the odd scratch or knock, and they can be heavily discounted. You can usually look at photos to see the extent of any damage, if any.

I picked up a Smeg extractor fan from The Appliance Depot for £170 rather than the full price of £330 from AO. When it arrived the only thing wrong with it was the box had been damaged!

Fitting your kitchen

Get the measurements double-checked

The Magnet salesman came over early on and measured our kitchen to help draw up the plans. But it turned out they’d measure wrong – by around 30 centimetres! This obviously meant that not everything we ordered fitted in the space! We got it sorted, but if we did it again I’d demand they come around and measure the kitchen again before the final order went in. 

Get your kitchen supplier to fit your kitchen

As we had a fair amount of other work going on in the house, including some structural changes to the kitchen itself, it made sense to get our builder to also fit the kitchen. This was a mistake. 

First, the builders refused to fit the acrylic worktop we ordered saying it wasn’t worth the risk if something went wrong. It then transpired that there were only a couple of kitchen fitters in our town who were willing to work with that material. So we had to pay more for a “specialist” to come around to fit the worktops.

Then, even though the fitters were really nice and worked hard, they weren’t familiar with Magnet’s kitchens (which you’d think they would). And they struggled. It took a lot longer than planned, and though we had a fixed quote the knock-on was they rushed bits of it.

At first glance it all looked great, but then we spotted things which were wrong. Though we got a lot of those things adjusted, we had to be on it and badger the fitters to fix them.

And even then there were things which the builders blame on Magnet and Magnet blame on the builders. They could both be right, and the things that are left aren’t the end of the world. For an easy life we’ve decided we can live with these imperfections and annoyances – mainly so we don’t have to face any further disruption and stress by trying to get them fixed.

But in hindsight, we could have avoided all of this by getting Magnet to fit the kitchen. Anything that wasn’t right would lay purely with Magnet, and make any fight to get things fixed much easier.

Cash hack: Cheap cinema tickets with £1 Tastecard Plus trial

Get access to cheap movie tickets for three months, and 2-4-1 meals, for just £1 with a Tastecard Plus trial.

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Some articles on the blog contain affiliate links, which provide a small commission to help fund the blog. However, they won’t affect the price you pay or the blog’s independence. Read more here.

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Going to the cinema can be expensive. I rarely pay more than £6, often less, thanks to a series of special offers, memberships and deals. 

The problem is, these deals come and go, meaning you might not have one available when you plan to see a film. But there is one deal which you can use day-in, day-out at most major cinemas, saving up to 40% on the ticket price.

What is Tastecard Plus?

I’m sure you’re familiar with Tastecard. It’s a membership scheme offering a year of 2-4-1 restaurants. It’s not bad value if you get a card for around £35 and often eat at places like Pizza Express and Strada.  Plus there are always trials where you can get anywhere between 60 and 120 days for just £1, with 90 days the most common.

You might not realise though that there’s also an extra option called Tastecard Plus. Sometimes it’s included in the deal, other times you have to pay extra for it. This offers money off at cinemas, theatres and hotels. I’ve written before about how the theatre and hotel offers aren’t anything special and are available elsewhere, so I wouldn’t get excited about those.

But the cinema ticket offer on Tastecard Plus is a different story. Yes there are potentially bigger ways to save (see my bumper cinema savings page), but it’s possible to get reduced tickets all year round at Odeon, Vue, Cineworld, Picturehouse, Empire, Showcase and The Light with the Tastecard plus deals.

The cinema offers with Tastecard Plus

There are seven cinema chains listed on Tastecard +. types of discounted ticket you can buy. All the tickets you buy are e-codes and you can buy any number of tickets. Each ticket will have its own unique code so you can use them over time or even all at once. 

Some of the chains have one set price per ticket, others have different prices depending on which location you pick, whether it’s 2D or 3D and if it’s an adult or child ticket. Below I’ve broken down the key options. I’ve not gone into every single option (there are hundreds of variables) but they should generally be accurate (at the time of writing). 

Cineworld on Tastecard Plus

  • Adult  – £6.60
  • Child  – £4.90
  • Premium – £13.20

The main Cineworld options on Tastecard are adult or child in 2D, or a separate “premium” option for things lilke 3D or IMAX. There’s also a deal to buy a drink and popcorn combo. If you buy a 2D ticket you can pay extra at the cinema to upgrade. Code are valid for three months. You can book online (with an extra booking fee) or in person, though not via the phone.

Prices could vary on location but I could only find the same price. Only Leicester Square is excluded. This means there could be huge savings on prices you pay. But, something to be careful of is when the cinema has cheap tickets all the time. For example Bradford charges £5.50 for ALL tickets. Via Tastecard + it’d be £1.10 more! So do check the cinema website first.

Odeon on Tastecard Plus

  • Adult (inside London) – £9.02
  • Adult (outside London) – £7.67
  • Child (Inside London) – £7.14
  • Child (Outside London) – £6.59

There are essentially four options. Adult and child, and inside or outside London. You can only buy 2D tickets, and the tickets are just for standard seats, not premium ones. Every Odeon is included except Leicester Square, Whiteleys and BFI Imax. You can redeem them at the box office, or online.

Vue on Tastecard Plus

  • Adult (Picadilly London) – £8.50 / £9.13 (3D)
  • Adult (inside London) – £8.05 / £8.58 (3D)
  • Adult (outside London) – £7 / £8.58 (3D)
  • Cheap cinemas – £4.50 / £8.58 (3D)

There are four cinema categories with Vue. The Picadilly cinema in London, the rest of London, non-London and the locations where seats are always cheap (and these can be all over the country, including Islington and Fulham). This means you should always pay less than the price listed at the box office. With Vue you can also choose to buy 3D tickets at a small premium. Prices are the same whether tickets are for a child or adult. Once more, Leicester Square is excluded.

Picturehouse on Tastecard Plus

  • Adult (Picturehouse Central London) – £13.70
  • Adult (inside London) – £9.50
  • Adult (outside London) – £8.65
  • Child (all locations) – £5.40

Much simpler here. It’s either adult or child 2D, and outside London, inside London or the Picturehouse Central. You can pay more when you book to upgrade your ticket.

Showcase on Tastecard Plus

  • Adult (De Lux cinemas) – £9.05
  • Adult (standard cinemas) – £7.70
  • Child (De Lux cinemas) – £6.62
  • Child (standard cinemas) – £6.25

The price here depends on whether your Showcase is a De Lux or standard location – you’ll pay more for the latter. You get the option to choose between adult and child tickets, but they are all 2D tickets. You can top up when you book if you want to upgrade. Booking can be done online or in person.

Empire on Tastecard Plus

  • Adult – £6.90
  • Child – £5.90

Very simple here, whatever the location you’ll pay the same price for a 2D ticket, with adult tickets a quid more than one for kids. As with most of the others you can pay to upgrade to a 3D or VIP seat.

The Light on Tastecard Plus

  • Adult – £7.25
  • Child – £5.80

This one stands out as it’s the same price for 2D and 3D, so it’s very cheap if you do want the premium experience.  You can only redeem the codes at the box office.

How to get access to this offer for just £1

The best way to get these discounts is to take out a trial – and you can get a 90-day trial for just £1. 

I don’t think it’s worth paying the full price just for these cinema discounts, though if you also use the dining discounts it can be decent value. Just don’t pay more than £35/£40 a year as there are regular offers at this price.

In the past, one of the problems with Tastecard is it can be tricky to cancel if you don’t want to continue with it after the trial. My advice is to schedule in the diary two weeks before the card is due to expire just in case you have problems. If you don’t do it four days before the trial ends you will be charged £39.99 for a full 12 months. I’ve a guide to cancelling here.

Can you beat these prices?

It is often possible to pay even less thanks to special offers and other deals. For example, the Meerkat Movies app can get you two for one tickets every Tuesday and Wednesday, and you can get a year of that for around £1.

But sometimes this and similar offers (Kids Pass has similar deals, as do some work perk schemes) do represent fantastic value.

> Check out all the latest cinema deals in my cheap cinema tickets page

Cheap cinema tickets offers and deals inc Odeon, Vue, Cineworld and more

Cash Chats #86 – Spend less on the new football season

Whether you’re an armchair fan or down the terraces every week, I’ve got a squad load of savings to help you pay less to watch and enjoy watching footy – whichever team you support.

The 2019/20 football season has begun! But being a fan isn’t cheap. In this episode, I’ve had a look at how you can cut the price you pay to watch football on Sky, BT and Amazon, how to get the best value tickets for live games and few tricks to help save money on football shirts.

Please do subscribe over at Apple Podcasts or whichever podcasting service you use. Also, I’d love it if you leave me a review on the app or comment at the bottom of this article.

Further reading:

Everything I’ve spoken about in this episode is detailed in these articles:

Cheapest ways to watch Sky Sports without a subscription (May 2021)

The cheapest ways to watch Premier League, EFL and other football on TV

How to go to live football matches for less

Spendonomics: How much are you really paying to watch your football team on Sky Sports?

 

How to go to live football matches for less

Even though there are loads of footy matches shown on TV, it’s never quite the same as watching it live at a stadium. But it can be pricey to support your team in person.

I’m a Crystal Palace fan, and heading to Selhurst Park is one of my ‘luxuries’, especially now that I’ve got to factor in a train from Yorkshire down to London.

Fortunately, ticket prices aren’t too bad, especially when compared to other London Premier League teams, as the BBC Cost of Football report from a few years ago showed. Things are likely to have changed a little since then, but the research showed we had the cheapest cup of tea (just £1!) but sold the priciest pies (at £4).

But the expenses don’t stop there. You can add on top buying things like programmes and maybe a shirt too. And lets not forget actually getting to the match.

If these spiralling costs put you off going to matches, here’s my starting 11 of ways to save money at football games.

Getting your ticket

Buy online or in person rather than on the phone

Something I don’t like about Palace is that the box office is 10p a minute and normal ways around it (such as SayNoTo0800 don’t work). However, going through their online service is quick, easy – and cheaper.

Share and spread the cost of a season ticket

Season tickets will always work out cheaper per ticket. But if it’s too much money, or you don’t have the time, consider getting a couple between a group of you. You won’t go to every game but you will pay less per ticket.

Alternatively (or as well) 0% credit cards let you make a big purchase and not get charged interest on the full amount – as long as you make the minimum repayments each month. So you could get a season ticket like this to take advantage of the lower matchday price. Only do this if you can be sure you’ll have enough to pay it off in full at the end of the 0% period.

If you can’t make a game see if the club lets you sell back seats. It varies from club to club, but if they do it you’ll only get the money if they manage to sell it. Sold out matches are your best bet.

Get a membership

A club membership should give you advance booking, essential for popular games so you can avoid touts. Check too for a discount in the club shop, free online match programmes or even a match day discount.

Go to away games

The Premier League has a cap of £30 on away games, making it a much cheaper option than most home games. Sadly there isn’t a cap in other leagues.

In the past I’ve even picked up tickets for the odd game from sites like Groupon, so it’s worth checking them out and signing up for email updates, though this is more likely for matches lower down the leagues.

Check for concession prices

My student card (from the now closed NUS card loophole) is still valid, and my dad is retired, so we save £10 to £15 a ticket with a student and senior discount respectively. It’s always worth checking just what is available.

Go on family days

Palace used to do a ‘Kids for a quid’ day, and many clubs around the country do something similar. If you’ve got a family this cuts the cost dramatically.

Getting there

Book your transport well in advance

If you’re going by train, book your ticket as soon as you know a match isn’t going to be moved for TV. The broadcasters normally announce the fixture changes a couple of months in advance so you should be able to pick up advance fairs.

Look for coach travel deals with the club

It can sometimes be tough to get fans to travel, particularly if it involves going long distances or are mid-week late-kickoffs. So clubs might put on cheap, or even free coach travel. If you’re a member you should find out about this stuff, but definitely sign up to any mailing lists.

When you’re at the game

Buy a fanzine rather than a programme

According to the BBC report, Premier League programmes are usually £3.50, while Championship, League One and League two clubs tend to charge £3. With so much information online you rarely get anything new in a programme. But you do in a fanzine. Palace has a great fan-produced magazine called Five Year Plan. It’s only £2 and often more entertaining than the same old content from official programmes. There are hundreds out there, whatever your team. Just keep a lookout at the turnstiles before going in.

If you want team sheets and season stats, use the Sky Sports Score Centre app and Soccerbase.com.

Don’t buy food and drink at the game

Ok, it might be part of the ritual, but seeing as you can’t take your pint (or more likely plastic bottle) of beer onto the stands you’re going to spend 10 minutes queuing at halftime and five minutes necking it. It’s a waste of time, and you’ll avoid overpaying for a pretty rancid pint.

You can save on soft drinks as most clubs will let you bring in a sealed 500ml bottle of water.

And unless it’s an early or late kick-off, match time is hardly lunchtime. So eat before or after. You’ll get better food for better value. And you can avoid paying £4 for a crap pie.

Shop around for your shirt

Unless you’ve got a decent discount at the Club shop with a season ticket or membership, you’ll probably save money on your kit if you shop around. As I wrote ahead of last year’s World Cup, there are ways to save on personalising your shirt and some decent deals on retro kits.

Cheapest ways to watch it on TV

The atmosphere and experience are nowhere near the same, but you can get cheap day passes to watch Sky Sports at home for £8.99 (if not lower via special offers – see the latest Now TV deals here).

Or why not see if a friend or family member has Sky Sports or BT Internet and will lend you their log-in details? Bung them a fiver and everyone’s happy. Here’s my full Cheapest way to watch Premier League and other football on TV article.