One of the most infuriating parts of online shopping is having to pay for delivery, and most of us are no strangers to shopping elsewhere if delivery is an additional cost.
But before you close that tab, give some of these tips a go to get a discount on your delivery fees.
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Top up your order with everyday essentials
Some shops only offer free delivery if you spend above a threshold. This is often really annoying, especially when you’re just a few quid out.
Try to avoid websites which help you find random cheap items such as washers that you don’t need – you’re still paying extra when you do this and these items are likely to just end up in the bin.
Instead, keep a list of those everyday essentials you know you’ll need at some point, like stamps, batteries or hand soap – all of which can be bought at Amazon, Tesco, Ocado, and other major supermarket websites. When you’re falling short, just add some of these in.
Top up your order with returnable items
An alternative is to add items you know you don’t want with the intention of returning them. Andy’s done this with John Lewis to get to the £50 threshold before.
Since anything you buy online can be returned within 14 days of you receiving the goods, the shops have to refund you. The only exception is anything that has been customised or is perishable.
Watch out for return charges
It’s not just delivery where you could have to pay – more and more retailers will now charge you for returns. And some places might later charge you for delivery if what you keep ends up below the free delivery threshold.
If you’re not sure whether you’ll keep what you buy, especially if you are trying multiple sizes and styles, then it’s worth shopping around to compare return costs.
It might even be worth paying a little more if you know you’ll pay less to send the items back.
A few stores will offer a free trial of a delivery pass, usually giving unlimited deliveries or at least some money off.
However, be careful that this trial doesn’t become one you pay for afterwards if you don’t think it offers value. And even then, the idea behind this type of membership is to encourage you to keep shopping with them, as opposed to shopping around, which might work out cheaper even if you have to pay for delivery.
Collect in-store or at a locker
Another option to reduce delivery fees is to order online and then collect in-store or at a locker, with this often done for free. Yes, this does mean you have to go to the shops, but at least you know what you are buying will be there when you arrive, and you’re much less likely to throw extra impulse items in the basket.
Plus, you can check your purchase at the shop. So if you don’t like it or it doesn’t fit you can usually return it there and then, saving an extra trip.
Rather cheekily, some retailers still charge for click-and-collect, but it’s worth a go.
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Get a free delivery code
This can be a bit more work, but some retailers often have a free delivery code. The best bet is to have a little Google and see what comes up. If you’re signed up to their mailing list, check if you have an email offering free delivery.
Be careful if you are using a cashback site, as you might find the cashback claim is rejected for combining offers. Be sure to check the terms and conditions.
There are also some browser extensions available that will notify you if they find a deal – Zoe in the team has had some good luck with PayPal’s Honey in the past.
You could also try asking for a free delivery code on live chat via the website and see if they can do something for you.
Or, put the items you want to buy in your basket, leave it a little while, and see if the retailer pops you an email to ask if you’ve forgotten to check out — there’s sometimes a discount code or free delivery code to give you that extra push.
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Switch bonus requirementsSwitch using the Current Account Switch Service and close your old account within 60 days of starting the switch
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It’s also worth checking that the item isn’t for sale at another shop with free or cheaper delivery. Even if the item itself costs more, the total amount including delivery could well be less.
Price matching can be a great way to pick up free delivery at the same low price you spot elsewhere.
When is your credit rating good or bad? And what does it mean?
I’ve got four different credit scores. 1,245, 999, 970 and 671. Is one better than the other? You’d assume that since 1250 is highest, that’s my best one. And the lowest at 671 needs some work.
But all are actually classed as “excellent”. And the 1,250 and 999 are from the exact same data – but with different ranges.
So it’s clear that it’s not a simple case of saying the higher the number is better!
In this article I’ll help you get an idea of how good your score actually is, and how the different classifications of bands could impact your changes of borrowing money and applying for credit.
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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The problems with credit score ranges
The main issue with credit scores is there isn’t just one. In fact there are three different companies providing scores, and they don’t all use the same data about your finances.
Another problem with credit scores is they’re calculated in completely different ways. You can’t really use a number to say if it’s good or bad without the wider context such as the range that number is taken from. Some are out of around 1,250, others out closer to 700.
And, to complicate it even more, the companies you apply to don’t actually use these scores! They access the data behind the scores from the credit reference agencies alongside any information you provide. They also look for different things depending what you’re applying for.
So clearly it’s not always so obvious what a good score is and to know whether you’re going to be accepted for whatever credit youre applying for.
What credit scores are excellent, good, fair and poor?
Here’s how the three different credit reference agencies class each score, as well as their own ranges.
Experian
Experian is the biggest of the agencies. They score out of 999, but are changing to out of 1250 by the end of 2025. Accounts are gradually being moved to the new system from mid-November.
However, some bank apps that show you your Experian score will use the old range, out of 999.
Experian credit score ranges (new system)
Excellent 1,121-1,250
Very good 1,001-1,120
Good 861-1,000
Fair 641-860
Low 0-640
Experian credit score ranges (old system)
Excellent 961-999
Good 881-960
Fair 721-880
Poor 561-720
Very poor 0-560
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What Experian’s changes mean for you
There’s a good chance the new larger range will mean you move up or down a tier. Experian say two in five (42%) will see an increase in score or band.
However, a similar number (44%) will go down a band. The rest will be in the same band but see a lower score (for instance they were 999 on the old system, but aren’t 1,250 on the new one).
The big thing to note here is if your score or band is worse under the new system, it doesn’t actually mean it’ll be any harder to get credit when you apply.
Experian told me that you’ll be able to see if recent action has impacted your new score, so you’ll be able to tell if a drop is down to the new bands or something else.
The new scores also take into account things that previously were missed off. This includes positive actions such as rent payments, overpaying mortgages and clearing an overdraft. Negative impacts that could now be reflected include taking money out with a credit card.
You’ll notice too that Experian has swapped “poor” for “low”. This is because they found the old wording discouraged people from trying to improve their score.
Equifax
Equifax changed their range from 1-700 to 1-1,000 back in 2021.
Equifax credit score ranges
Excellent 811+
Very Good 671-810
Good 531-670
Fair 439-530
Poor 0-438
Transunion
TransUnion, which you can access for free through Credit Karma, scores out of 710.
Transunion credit score ranges
Excellent 628+
Good 604-627
Fair 566-603
Needs work 1-565
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What’s an average credit score in the UK?
Experian offers a map where you can break down scores by regions (and age too if you want). For Manchester the average credit score is 743, which ranks as the bottom end of Fair. For Bristol, it’s 805, halfway through Fair, while Tonbridge in Kent comes in at 844, near the top of Fair.
How important is a credit score?
The most important thing to say here is credit scores don’t actually mean anything definitively. They’re an indicator of how good or bad your credit report is (I’ve explained more in this article about credit reports).
But this isn’t the only information lenders take into account. Extra details you provide, such as your salary, could help or hinder your chances of acceptance. In fact, they won’t even see this score, and will create their own version of it based on their own criteria, the info on your credit report and the extra details they have.
Really the number itself is pretty meaningless, except to measure your progress when trying to improve it. If you see it go up you know you’re doing the right things.
If you see it dip then it could be a sign you need to take some actions – though it’ll always fall a little after a new application and will right itself after a while.
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What do the different credit score ranges mean?
Really it’s probably better to look at the category your credit score sites in. Broadly scoring in the different ranges from excellent down to very poor is likely to mean the following:
What an excellent credit score means
Across the agencies “excellent” suggests you’ll probably get accepted for most types of credit and be offered the best rates and deals. But there’s no guarantee and you could still get rejected when you apply.
What a very good credit score means
A “very good” credit score indicates you will usually be accepted for credit, though you might not get the best deals.
What a good credit score means
A “good” score means there is still a decent chance you’ll get accepted but you won’t get the best deals or rates. For example, you might get a lower credit limit or a shorter 0% period. It’s even more important to use soft checks, particularly on credit card applications, to find out who will accept you.
What a fair credit score means
An “average” or “fair” score likely means your options will be more limited, and subject to higher interest rates or lower credit and borrowing limits.
What a poor / low / needs work credit score means
If your score is classed as “low”, “poor” or “needs work” – and it’s likely you’ll be seen as high risk to lend to therefore far less likely to be accepted when applying for credit, or only be able to get products with high interest rates.
Switch bonus requirementsSwitch using the Current Account Switch Service and close your old account within 60 days of starting the switch
Deposit requirementsDeposit £1,500 in the first 60 days from opening the account
Direct debits transferred overSet up two Direct Debits before or after the switch from a selected list of household bills
Existing customers?Can't have held any Santander current account on 1 January 2025
RestrictionsCan't have received a switching bonus from Santander already, offer limited to once per person
Eligible accountsOpen a new or hold an existing Everyday, Edge, Edge Up or Edge Explorer current account
£25 Amazon Gift Card requirementsTo qualify for the gift card, you need to complete a full switch using CASS, and make five debit card transactions within 30 days of opening the account.
Good news! You don’t need to pay to check your score, or more importantly, your credit report. We’ve written more detail on the free credit report sites here.
A Tastecard membership gives you 2-4-1 and up to 50% off meals and cinema tickets across the country
Tastecard, Gourmet Society, Dine Card and Hi-Life Dining are the leading restaurant discount schemes, which often also come with savings at the cinema. Here are the latest offers, as well as more about how the memberships work and whether they are any good.
The bulk of these offers are for digital memberships, which means you access your card via the app on your smartphone. However, at times there are a couple of deals which come with a physical card – but do check when you click through.
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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Top Tastecard offers
Most Tastecard offers are 2 for 1 or 50% off food. For when there aren’t any free trials of Tastecard, it’s got a monthly membership option, which means you can still give it a go without paying for a full year.
Tastecard: 50% off & £20 Pizza Express voucher
There’s currently a low price offer through the link below where you can get a Tastecard membership for £29.99. Alongside this you get a £20 voucher for Pizza Express
If you have the Lidl+ app then you can get a 90 day free trial of Tastecard. You’ll need to click through via the app. This is available until 19 January 2026.
There’s currently a free trial on offer through the link below where you can get a Tastecard membership free for 60 days. The membership will auto-renew at £29.99 at the end of the trial unless you cancel it, which you can do at any time.
Unfortunately we don’t know when this offer is ending.
If you want to give Tastecard a go without committing to a full year, then you can opt for the monthly membership for £2.99 per month, but remember to cancel it if you don’t use it.
If you’re a student, or if you’ve ever had a Totum card from NUS or graduated in the last three years, you can buy an NUS Totum card which now comes with a free Tastecard. You’ll also get discounts at Apple, Co-op and more.
On the surface, Gourmet Society looks like a similar offering. But the deals can be different. For a start, it tends to offer 25% off the full bill including drinks, which could work out as a bigger saving for you. So do check the restaurants and deals before deciding which is best for you.
Gourmet Society: 60-days free membership
This free trial will get you 60 days. When the deal ends it will auto-renew at £5.99 a month.
Gourmet Society: Free with Club Lloyds current account
You can get a year of Gourmet Society membership as a ‘Lifestyle Benefit’ via the Club Lloyds bank account. However, you might be better off choosing free cinema tickets or a magazine subscription. More details here on the account and the different benefits.
These are similar, if not the same, as Tastecard and might represent better value depending on where you live and places you eat at.
Meerkat Meals: One year for £1(ish)
If you buy a one-day travel insurance product via Compare the Market you get access to both Meerkat Movies and the new Meerkat Meals. It’s more restrictive than Tastecard and Gourmet Soc, but it’s not a bad deal when paired with the movie offer. We’ve written more in detail about what you get with Meerkat Meals and how it compares.
What is Tastecard?
Tastecard restaurant offers
Tastecard is a membership scheme primarily offering money off at restaurants in the UK.
There are thousands of restaurants listed on Tastecard, from your local Indian to chains such as Pizza Express and Prezzo. They offer up to 50% off or 2 for 1 discounts. Do look for exclusions such as weekends or the number of people you can use the membership for on a table.
The membership is digital only, which you access via the Tastecard app. You simply show the card in the participating restaurant, normally before you order and certainly before you ask for the bill. Some restaurants require you to book in advance and to tell them you are using Tastecard. If this is the case, it will be listed on the specific restaurant tile on the app.
Tastecard + cheap movie rentals
A recent addition to Tastecard is the ability to get £1 off e-vouchers to use on movie rental site Rakuten.
Tastecard + cinema deals
You can get discounted tickets at Showcase, Odeon, Vue, Picturehouse and Cineworld. Though do compare the discounted price with the box office price – it’s not always cheaper!
Gourmet Society and other schemes
Gourmet Society, High Life and Meerkat Meals are all run by the same company as Tastecard, and have a lot of similar deals. But each offers a slightly different discount and a few different restaurants, so it’s worth comparing them all to see which is best for you. Read our comparison of Tastecard, Gourmet Society, High Life and Meerkat Meals.
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Are dining membership cards worth the money?
At full price (£79) I don’t think a Tastecard is worth the money, but around £30 isn’t a bad price as you’ll be even after a couple of meals out. Then the savings start. I’d definitely try a trial offer first just to see whether you’re likely to use it.
Before buying, check the Tastecard site to see what restaurants are included near you. If that looks good, take advantage of the offers below and go grab it!
From headphones to TVs, washing machines to fridges
If I spot special offers on any technology, appliances and electronics I’ll share them here.
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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Discount vouchers
Curry’s Trash for Cash: free £10 voucher
Take old electric items to Currys for recycling and you’ll get a voucher for at least £10 off (with a minimum spend of £50). You can provide anything powered by battery or mains, working or not. It doesn’t have to be bought from Currys originally.
Usually, you only get a £5 voucher, but it’s currently £10 for a limited time, although there’s no end date at the moment.
The voucher will be valid until 30 December 2025, and they can’t be used on Apple products, consoles or gift cards.
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Expired deals
Google: 20% off devices (ended)
Until Sunday 19 May 2024 you can use the code SPRINGTREATGB to save 20% on Google products. This includes already discounted items (though do shop around first incase you can beat the price).
John Lewis: Free Google Nest Hub when you spend £75 (expired)
Spend £75 on selected home, furniture and electrical items at John Lewis and you’ll be able to add a Google Nest Hub (currently priced at £49.99) your basket. Then use the code MYJLGOOGLENEST at checkout to get it for free.
You do need to be a MyJohn Lewis member, which is free. Ends 8 June 2022, though previously offers like this have finished early if all the stock as gone.
Amazon is once again discounting the price of its Echo speakers, Kindles and more. But you don’t have to buy from Amazon direct as loads of retailers are price matching (eg Currys).
Switch bonus requirementsSwitch using the Current Account Switch Service and close your old account within 60 days of starting the switch
Deposit requirementsDeposit £1,500 in the first 60 days from opening the account
Direct debits transferred overSet up two Direct Debits before or after the switch from a selected list of household bills
Existing customers?Can't have held any Santander current account on 1 January 2025
RestrictionsCan't have received a switching bonus from Santander already, offer limited to once per person
Eligible accountsOpen a new or hold an existing Everyday, Edge, Edge Up or Edge Explorer current account
£25 Amazon Gift Card requirementsTo qualify for the gift card, you need to complete a full switch using CASS, and make five debit card transactions within 30 days of opening the account.
It pays to get the lowest price, even after you’d bought something.
Shopping around is key to getting a decent price. You can do this by using comparison sites such as PriceSpy or Idealo. Now, you’d think the next step would be to buy the items at the cheapest shop.
But actually it can be advantageous to actually buy it elsewhere if that shop has a price matching policy. And you can even sometimes price match after purchase if prices dop again.
Here’s more about how price matching works, and where you can take advantage.
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 price matching
Price matching is exactly as it sounds. A retailer will sell you an item at a lower price if it’s sold for less elsewhere.
This isn’t just about the listed selling price. You can also often price match voucher codes and sale prices.
John Lewis is probably the most famous shop to offer a price promise, with its “Never Knowingly Undersold” slogan a key part of branding. Though it was closed a few years ago, the department store brought it back in the summer. And it’s not alone – you can also take advantage at shops including AO, eBay and Curry’s.
I’ve done price matching a number of times, from smaller items such as Diptyque candles through to a new TV and sound system. When we did our kitchen a couple of years ago I got our oven, fridge, freezer, dishwasher and flooring for hundreds of pounds less – all thanks to price matching.
And it’s not just “things” you buy that can be price matched. It’s possible to save money on hotels, holidays and other services if you look around. You can even find supermarkets matching the prices on some items sold by competitors.
It’s not just about getting a lower price
Since the price you pay will end up the same you might be thinking surely it’s easier to just buy it at the cheaper shop in the first place and avoid all the hassle.
Well, price matching to a different store might give you additional benefits. These include extended warranties, free delivery or longer return rights.
You might even be able to stack on extra savings on top, such as using a cut-price gift card or cashback. All of these can be worth a little extra, whether financially or just in terms of peace of mind.
Some retailers will beat the lower prices
Also, you might find a retailer will give you extra money off the lower price you find at a competitor.
It’s also worth checking if a high street shop will match its own website if there’s a difference in price (this does happen!).
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Price matching after purchase
Best of all, some shops that price match also allow you to price match if prices drop elsewhere after you have bought the item. This is a great trick to use during big sale periods such as Black Friday.
I’ve actually done this a few times – even after I’d already price matched to get a lower price. When the price dropped again I was able to put in another claim and get the additional discount refunded.
So it can sometimes pay to choose a shop that offers this over another even if they are the same price – just in case there’s a significant drop later on.
How to price match
First look for a cheaper price. I tend to use sites such as PriceSpy or Idealo to compare. Or just a quick Google search can do the job.
Every retailer has a different policy, but in general you’ll need to provide proof that you’ve seen the item on sale elsewhere for less. This could be a webpage for an online retailer, or the price matching shop might want to phone up a physical shop.
You’ll also need to check that the shop does price match the place you’ve found the cheaper option. They might only price match certain competitors.
Some retailers will have a phone number you can call to put in your price match claim. Others have a form you fill in.
You generally have to wait for confirmation that your item is price matched before you can buy it, though some let you do it retrospectively. In this instance, you’ll also need to provide proof of purchase.
Once you’ve bought something it’s worth keeping an eye on prices for as long as the price promise lasts. To help you can set price alerts on both Price Spy and Idealo which will email you if the price does drop.
Switch bonus requirementsSwitch using the Current Account Switch Service and close your old account within 60 days of starting the switch
Deposit requirementsDeposit £1,500 in the first 60 days from opening the account
Direct debits transferred overSet up two Direct Debits before or after the switch from a selected list of household bills
Existing customers?Can't have held any Santander current account on 1 January 2025
RestrictionsCan't have received a switching bonus from Santander already, offer limited to once per person
Eligible accountsOpen a new or hold an existing Everyday, Edge, Edge Up or Edge Explorer current account
£25 Amazon Gift Card requirementsTo qualify for the gift card, you need to complete a full switch using CASS, and make five debit card transactions within 30 days of opening the account.
However, not all shops have a price matching policy, and they won’t always match every price you find.
The key one to watch out for is retailers that only match certain other shops. Many also exclude online-only retailers (i.e. they don’t want to price match Amazon!). Even some sellers which have a showroom or two can be excluded – often the case for the low prices found online for appliances.
The items will usually have to be the exact same model, colour, size and so on. This can prove frustrating if there’s a slight difference, and many retailers will only sell a version that’s exclusive to them that can be hardly noticeable.
The price must also be available to everyone – which means you wouldn’t be able to match a member or staff discount. Others might not match clearance sale prices, or some voucher code uses.
Items also usually have to be in stock at the cheaper retailer and available for delivery. Or if they’re in smaller local retailers you might find you have to live within a certain number of miles.
You might also find it’s rejected if there’s a difference in extras such as the type of delivery or the length of warranty on offer. For instance, if the cheaper model has one year but the price matching retailer offers two years then the latter can claim it’s not the same package.
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Where you can price match in the UK
This isn’t an exhaustive list, but I’ve highlighted some of the big retailers across a range of products and services that are worth looking into.
Just because somewhere isn’t on the list doesn’t mean it won’t price match. It’s always well worth asking if a shop has a price promise – even an unofficial one.
If you know of any more retailers that offer this service, then please do let me know via the comments.
All Beauty price matching
You can price match in advance at All Beauty if you find the product for less at selected retailers including Boots, LookFantastic, House of Fraser and The Perfume Shop.
As well as price matching before buying, there’s the option to request a price match seven days after purchase, although this is “at their discretion”.
AO price matching
To price match at AO you need to call their team with the product code of the item you want to buy and the link for where you’ve seen it for less. You can price match up to seven days of buying an item – great if the price drops again.
Retailers price matched:
UK retailers and websites selling UK products
Beaverbrooks price matching
Beaverbrooks will price match up to seven days after purchase if you find the items advertised cheaper by an authorised stockist with a physical store. Discount and voucher codes will also be matched if they can be verified at the time of reviewing the price promise request
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Curry’s price matching
Call up Currys price matching team before you buy and share where you’ve found it for less. Currys will match both high street and online prices, including the use of voucher codes and offers, but not member exclusive discounts.
Normally, you can make a claim up to seven days after purchase, but in 2024 this was extended to cover all of November – so look out for that again this year. If you bought in-store you’ll need to go back there. If it was online you can use a webchat.
Retailers price matched:
Any UK retail store or website
eBay price matching
You can even price match at eBay! It’s only for new items sold on the Amazon, Currys, Argos, Asda, John Lewis and Tesco websites. You apply online and if successful will be sent a voucher to use on your purchase within 24 hours.
You can only ask for one price match per day per eBay user and it’s only in advance of purchases – not after.
Euronics offer an in-store only price match guarantee and may include discount codes advertised by competitors. The price match policy is only available prior to order completion and can not be claimed back after the purchase.
Goldsmiths price matching
Goldsmiths jewellers offer a price match promise, in-store and online. For in-store price matches, the competitor must be within 15 miles of the store the price match is requested in. For online price matches, the competitor must be a national authorised stockist.
With Halfords it’s just the published selling price that is price matched – so you can’t use any additional vouchers or offers on top, such as buy one get one free or clearance. You’ve seven days after purchase to make the claim.
You can also price match instore if the items is sold for less on the Halfords website.
Retailers price matched:
UK based
Within 10 miles if price matching a service
H.Samuel price matching
H.Samuel is another jeweller that offers a price match promise online where they will price match jewellery or watches if you find them at a lower advertised price.
There is an easy online form to submit before purchase, but for in-store purchases I can only find information about price matching watches which they will do in over 300 stores nationwide
Hughes Electrical price matching
You can phone Hughes Electrical or use a live chat or webform to request a price match before or up to seven days after purchase.
They’ll match:
AO
Appliances Direct
Argos
Currys
Marks Electrical
Richer Sounds
Jessops price matching
Jessops only price matches against prices at authorised retailers for the brands they stock. It won’t match clearance prices.
Retailers price matched:
Argos
Currys PC World
Park Cameras
WEX
They also run a Black Friday price promise where they’ll refund the difference if your purchase with made between 1 and 28 November 2024 with is reduced during those dates.
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John Lewis price match
The John Lewis Price Promise that returned in September 2024 was different to the one we were all used to pre-2022. For a start it’s limited to seven rather than 35 days after purchase to make a claim.
And the other change is only 25 retailers will now be accepted – though that does include Amazon now. We’ve gone into more detail how John Lewis price matching works in a separate article.
Richer Sounds price matching
If you buy with Richer Sounds and find it cheaper you’ll get an extra discount on top of the difference up to 14 days after purchase. You can also price match in advance.
The beat the difference promise ranges from £5 extra on products up to £300, through to £100 on anything over £4001.
Price promises
In addition, some retailers will refund the difference if they drop their own prices after you’ve made your purchase. This is usually just over a sale period, such as Black Friday and Prime Day.
Argos price guarantee – Black Friday
If prices drop before Christmas at Argos you’ll get a voucher for the price difference.
Ignore big name brands and find cheaper alternatives for pills and drugs that do the same job.
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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Off-the-shelf medication
When you’ve got a cold, you’ll ask for Lemsip. When you’ve got a headache, you’ll ask for Nurofen. When you’ve got a hangover, you’ll ask for a Berocca.
Yes they cost more than own brand, but surely that’s because they’re better at making you feel better?
Well, it turns out there’s little or no difference between many similar medications. In truth you’re usually paying over the odds for name recognition. And this isn’t the only time you might be paying more than you need on medication and prescriptions.
To help you make a decision that’s good for your wallet as well as your health, I’ve taken a look at some of the ways you spend too much on medications and how to save some cash.
Branded medicine is one of the biggest rip-offs we fall for. The vast bulk of the time the ingredients used to make the tablet, cream or sachet are pretty much the same as those cheaper alternatives on the shelf below.
There might be slight variations, but it’s unlikely they are enough to make a difference to your ailment.
You might also have to hunt for these cheaper options, generally hidden on lower shelves with the big brands at eyeline and easy to grab.
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Here are a few examples of the price difference I found:
Lemsip vs own brand cold medicine
In Boots, a pack of 10 Lemsip Max sachets will set you back £6.80. The own-brand alternative is just £3.20, saving you £3.60. The ingredients are almost exactly the same. And they’re cheaper again buying the own-brand options in supermarkets.
Nurofen vs own brand ibuprofen
Worse is ibuprofen. Standard Nurofen costs £2 for 16 tablets in Boots. The own-brand version is £1.49. But better still is the value pack at just 55p. And they all contain the same simple ingredient: 200g of Ibuprofen.
The only difference is likely to be in the coating, which won’t make a difference to the effectiveness of the pain relief.
Berocca vs own brand effervescent
Berocca meanwhile costs £5.90 for 15 tablets. The Boots own brand equivalent of the effervescent multivitamin is £1.99 for 20 tablets. That’s 10p per tablet rather than 39p for pretty much the same thing. In fact since the Boots tablets are bigger you actually get slightly higher doses of each vitamin.
Watch this video where I share how to see if items are the same or similar
Exact same products, different packaging
You can even find some products which are exactly the same! In my mini-investigation (i.e. trying to subtly take photos of packaging in Boots) I found an example where the tablets in different packaging were the very same.
Both Panadol Extra Advance and Panadol Period Pain are the same product. They have literally just been put in different coloured packs (you’ve guessed, it’s pink for the period painkiller).
The way to tell is to look for the product line code. This is the letters PL followed by some numbers. If the code is identical then so is the medication. You’ll find this on the box.
Now, these two Panadol items should therefore cost the same, right? Well there’s a 10p difference at Boots (surprisingly it’s the one aimed at women which is cheaper). Ok not much money but you get the idea.
And bigger savings are likely to be found when comparing own brand versions of meds in different shops. It’s possible that you might find the exact same formulation at a far lower price.
When I looked a few years ago, I also found that the Boots, Tesco and Asda cold and flu items had exactly the same PL number but at varying costs. So exactly the same item made in the same factory!
I think it also raises a question as to whether these targeted meds are actually anything other than marketing. You could well be better off with the standard version.
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Will a prescription be better or worse?
Hopefully your GP won’t prescribe you standard, everyday items like paracetamol that you can buy for less direct from the shop, but it’s worth double checking. Things like eyedrops, steroid creams and more might cost less without a prescription. A pharmacist will let you know if you’re not sure.
However some items will be cheaper if you can get it prescribed, so if there’s something you’re taking regularly do ask your GP if they’ll do this. And don’t forget prescription subscriptions that can work out cheaper too.
And of course, if you’re outside of England, under 18 or over 60, then you won’t pay for any prescriptions, so see if that’s an option for what you need.
The same goes if you are prescribed anything privately. If your GP will fill out a prescription from them instead, it’ll dramatically cut what you pay.
Switch bonus requirementsSwitch using the Current Account Switch Service and close your old account within 60 days of starting the switch
Deposit requirementsDeposit £1,500 in the first 60 days from opening the account
Direct debits transferred overSet up two Direct Debits before or after the switch from a selected list of household bills
Existing customers?Can't have held any Santander current account on 1 January 2025
RestrictionsCan't have received a switching bonus from Santander already, offer limited to once per person
Eligible accountsOpen a new or hold an existing Everyday, Edge, Edge Up or Edge Explorer current account
£25 Amazon Gift Card requirementsTo qualify for the gift card, you need to complete a full switch using CASS, and make five debit card transactions within 30 days of opening the account.
Which Amex credit card will earn you the most cashback or rewards in the UK in 2025?
There are a number of different American Express cards, so which is the best?
In this best buy guide, I’ll take you through my top picks whether you want to get your first card or change the one you already have.
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The best American Express for welcome offers
There are a number of great welcome bonuses from American Express that could earn you more than £100 extra in your first few months. They are often boosted too, making them even more profitable.
Importantly you can only get these offers (on most cards – more on this in a bit) if you’ve not an an Amex in your name in the last two years.
Each offer also comes with a spending requirement to trigger the bonus, so make sure your normal spending will fit this.
The best first Amex card welcome offers
To keep you eligible for additional welcome bonuses, I’d actually only consider one of these two cards, even though you’ll earn less from the bonus. They rarely have boosted welcome deals so I’d go for them at any time.
If you aren’t going to later for a second bonus with the Amex Platinum then you could also consider the Amex Preferred Rewards Gold – though I’d wait until it’s boosted.
1 Amex Reward point per £1, bonus points for every £5,000 spent (= 0.5% to 0.75%)
Additional Amex welcome offers
After the Nectar or Platinum Cashback, there’s the chance to get another boosted offer on both the British Airways American Express Premium Plus (as long as you’ve not had either BA Amex card in the last two years) and the American Express Platinum credit cards (as long as you’ve not had the Preferred Rewards Gold or Rewards cards in the same time). I’ve written in more detail about this multiple Amex welcome offer hack here.
However, these cards come with big fees and the bonuses have large spending requirements, so I’d wait until they are boosted and you can earn more points.
If you are a member of Vitality health or life insurance then you will also be eligible for a £100 statement credit when you spend £2,000 in the first three months, even if you’ve got any other Amex.
Here’s what you could be looking at based on increased sign-up offers that have run recently.
Card
Fee
Most recent boosted welcome offer
Potential condition
Total value
Ongoing cashback rate
British Airways American Express Premium Plus card
So what do you do once you’ve got bonus (or bonuses) and you’re faced with a fee at the start of the second year? Well, I’d be looking to ditch that card and find an alternative.
But the headline cashback/reward rate isn’t the only thing to consider. You need to take into account whether there’s a fee or minimum spend. And you also need to decide how you want to receive your money back – as cash or points?
Depending on which card you went to for your first card (the Nectar or Cashback), I’d actually then get the other one next or look at the Amex Preferred Rewards Gold which is free in year one.
But after the first year on each of these, the annual fees on all three will eat into your cashback earnings.
But if you want to keep an Amex, then there’s the Amex Rewards card or BA Amex which are both always free. Just don’t get these (or the Gold) if you haven’t yet claimed those additional Platinum and BA Amex Premium Plus welcome bonuses.
Amex card
Annual Fee
Cashback/Reward
Equivalent rate
Nectar
Free in year one, £30 after
2 Nectar points per £1
1%
Cashback
£25 (first year can be covered via referral link)
Up to 1.25% cashback (paid on year anniversary)
0.75% on first £10,000, then 1.25%
Preferred Rewards Gold
Free in year one, £195 after
1 Amex Reward point per £1, bonus points for every £5,000 spent
0.64% to 0.75% if you spend at least £5,000
Reward
Free
1 Amex Reward point per £1
0.5%
British Airways American Express
Free
1 Avios point per £1
0.5% (if converted to Nectar)
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Best Amex for extra offers
There’s a final category to consider when choosing your Amex – are there extras that come with the card? And if so, how much will they cost?
This table shows the main additional card benefits you might want to take advantage of.
Amex Card
Key additional benefits
Annual fee
Preferred Rewards Gold
2 x £5 Deliveroo credit every month 4 Priority Pass airport lounge visits each year
£195
Platinum
Worldwide family travel Insurance £200 UK dining credit each calendar year (£100 every six months) Airport lounge access all year
£650
British Airways Premium Plus
BA Companion voucher if you spend £15,000 each year (lasts 24 months, and valid in all classes)
£300
British Airways
BA Companion voucher if you spend £15,000 each year (lasts 12 months, and only valid in economy)
Free
I wouldn’t keep the Gold card once the fee kicks in after the first year. I’d also avoid the Platinum after the year which includes a welcome bonus.
It’s a harder call with the BA cards. If you opt for the free BA card, it’s only valid for 12 months and only in economy, which might make it hard for you to find a flight you want to use as tickets are released 12 months in advance on the BA site, so you could well miss out on big destinations.
The Premium Plus voucher lasts longer, but you will be paying £300 to get it. From my experience it’s hard to get that back on economy flights, so you’d want to aim for Business.
But, to use a 2-4-1 Companion voucher you need to have enough Avios points to pay for the first flight AND you have to pay for taxes and fees on top. If that’s unlikely then neither are worth it. And you also need to weigh up whether you’ll be able to get a cheaper flight shopping around.
Best Amex to protect your Amex Reward points
If you decide to cancel the Platinum card at the end of your first year, make sure you protect any Amex Membership points linked to it before doing so. You’ll need to swap them or open up a different Reward card to ensure you don’t lose them.
There are two options here. The Reward card and the Preferred Reward Gold card. Remember, do not open up either of these cards before the Platinum if you think you’ll try for the boosted welcome offer on that card at some point.
Amex card
Annual Fee
Cashback/Reward
Equivalent rate
Preferred Rewards Gold
Free in year one, £195 after
1 Amex Reward point per £1, bonus points for every £5,000 spent
Switch bonus requirementsSwitch using the Current Account Switch Service and close your old account within 60 days of starting the switch
Deposit requirementsDeposit £1,500 in the first 60 days from opening the account
Direct debits transferred overSet up two Direct Debits before or after the switch from a selected list of household bills
Existing customers?Can't have held any Santander current account on 1 January 2025
RestrictionsCan't have received a switching bonus from Santander already, offer limited to once per person
Eligible accountsOpen a new or hold an existing Everyday, Edge, Edge Up or Edge Explorer current account
£25 Amazon Gift Card requirementsTo qualify for the gift card, you need to complete a full switch using CASS, and make five debit card transactions within 30 days of opening the account.
Two American Express cards can earn you British Airways companion vouchers. However, don’t get the free BA Amex card before the BA Amex Premium Plus if you want to try for the higher welcome offer with the latter card detailed further up this article.
With the Premium Plus you’ll need to spend £15,000 in the first year you’ll get a BA Companion voucher. This gets you 2-4-1 flights or an upgrade and is valid for two years and in all flight classes. Remember there is a £300 annual fee.
But after this year you have two options. If you cancel completely you won’t lose your Avios as they’ll have been added to your British Airways Executive Club account. This resets the clock to enable you to (potentially) get another bonus in two years time.
Or you can downgrade to the free BA Amex easily via a call or live chat and this will mean you keep an Amex without a new credit check.
If you choose to keep spending on it you still need to hit £15,000 in a year for a BA Companion voucher to use in economy class, valid for a just one year.
With both companion vouchers, bear in mind you need to have enough Avios points saved up to cover the cost of one ticket before adding the 2-4-1 voucher, and you still pay tax and fees on both tickets.
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.
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.
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.
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.
Switch bonus requirementsSwitch using the Current Account Switch Service and close your old account within 60 days of starting the switch
Deposit requirementsDeposit £1,500 in the first 60 days from opening the account
Direct debits transferred overSet up two Direct Debits before or after the switch from a selected list of household bills
Existing customers?Can't have held any Santander current account on 1 January 2025
RestrictionsCan't have received a switching bonus from Santander already, offer limited to once per person
Eligible accountsOpen a new or hold an existing Everyday, Edge, Edge Up or Edge Explorer current account
£25 Amazon Gift Card requirementsTo qualify for the gift card, you need to complete a full switch using CASS, and make five debit card transactions within 30 days of opening the account.
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.
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.
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.
BT Sport isn’t the cheapest channel out there but it is possible to pay less, and sometimes even get it for free.
BT Sport is now TNT Sports
TNT Sports replaced BT Sport in 2023, following a merger with Warner Bros Discovery. We’ve got a page with the latest TNT Sports deals and offers so you can carry on watching your favourite sports for less on that channel.
The cheapest ways to watch BT Sport are if you’re a BT broadband / TV or EE mobile customer. There’s a pay-as-you go option for those with different internet and mobile providers.
Here are the best offers right now to save you cash.
Pay as you go passes
BT Sport month pass – £30.99
For the first time, BT has introduced a monthly pass at £30.99 a month. This means you don’t need to have any other service with BT or to sign up to a long contract – though you will have to cancel to stop the subscription rolling over to a new month.
The pass lasts for 30 days and includes all the BT Sport channels and discovery+, including 4K and HDR options if your TV supports it.
If you get your broadband from Virgin Media then you can pay £18 a month on a rolling 30-day contract (so effectively a monthly pass), and get 10% credited back to your bill. You will need to buy a £35 Virgin Media Stream box though (here’s my review).
Get it with your broadband
If you get your internet services from BT or Plusnet then you can get the BT Sport channels for an extra charge each month. This starts from £15 a month and you can watch via the BT Sport App. It goes up if you also add other BT TV channels and get a Freeview Box to plug into your TV.
If you’re adding it to an existing BT contract then it could mean you start a new contract for all your BT services. Shop around for deals that’ll bring the price down, such as using cashback sites for an added bonus.
Get it via Virgin Media
Virgin Media Stream: £8 per month
You can currently get BT Sport channels for £8 a month via Virgin Stream. It’s a 30-day rolling contract so you can cancel at any time. You’ll get the price for 18 months max, when it will then revert to full price (currently £18).
However you do need to be getting broadband via Virgin Media and there’s a £35 one-off set up charge (this can often be haggled to zero if you call up).
If your mobile phone is via EE you can buy passes to watch on your phone using the BT Sport app. You’ll get access to BT Sport 1, BT Sport 2, BT Sport 3, BT Sport/ESPN and BoxNation channels.
There are add-ons that let you watch it via the BT Sport app on your TV or improve picture quality to 4K.
Three months free with EE
EE customers can get the BT Sport app free for three months by texting SPORT to 150. Unless you cancel after this you’ll move on to the monthly paid subscription.
£10 a month mobile pass via EE
Access to the BT Sport app costs £10 a month. You can only watch it on your device and this is just for EE customers.
£15 a month to use BT Sport app on TVs and smart sticks via EE
The next level up is £15 a month the BT Sport Large Screen package lets you watch it on a TV via devices such as a Chromecast, Xbox, Amazon Fire Stick and some smart TVs.
The step-up to UHD/4K viewing is a package called BT Sport Ultimate which costs £20 a month.
10 months Big Screen & BT Ultimate for £15 a month via EE
This season pass lets you watch the channels on your TV and also upgrades picture quality to 4K. It’s £15 a month, so you’re saving £5 a month on the Ultimate package – but you are committing to 10 months.
There’s an early cancellation charge if you want to stop early, which you’ll also be charged if you switch away from EE for your SIM. To get this text SEASON to 150.
“Free” with EE Swappable Benefits
If you have a reasonably expensive “Smart Plan” contract with EE you can choose BT Sport as one of your swappable benefits. However I’d say you’re probably better off shopping around for a cheaper SIM-only deal.
You can pay £5 more to upgrade to the Large Screen package.
Three months BT Sport and Chromecast for £40 via EE (out of stock)
The BT Sport in a Box promotion gives EE customers (on a 12-month SIM-only contract or pay monthly tariff but not 30-day SIM-only deals) three months of BT Sport Large Screen and get a standard Google Chromecast (RRP £30) for £45.
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Plus, new Quidco customers get a high paying £18 welcome offer
BT Sport on YouTube
Watch the Champions League final for free
For the last five or six years, BT has shown the Champions League final and Europa League final for free via BT Sport’s YouTube channel and on the BT Sport website for free! So anyone can watch without paying.
In 2023 the games are as follows:
31 May: Europa League Final (Sevilla vs Roma)
7 June: Europe Conference League Final (Fiorentina vs West Ham)
10 June: Champions League Final (Manchester City vs Inter Milan)
Switch bonus requirementsSwitch using the Current Account Switch Service and close your old account within 60 days of starting the switch
Deposit requirementsDeposit £1,500 in the first 60 days from opening the account
Direct debits transferred overSet up two Direct Debits before or after the switch from a selected list of household bills
Existing customers?Can't have held any Santander current account on 1 January 2025
RestrictionsCan't have received a switching bonus from Santander already, offer limited to once per person
Eligible accountsOpen a new or hold an existing Everyday, Edge, Edge Up or Edge Explorer current account
£25 Amazon Gift Card requirementsTo qualify for the gift card, you need to complete a full switch using CASS, and make five debit card transactions within 30 days of opening the account.
If you get BT Sport via BT TV, EE or Plusnet, you can get the Discovery+ package for free, which includes Eurosport. This is worth £5.99 a month for £59.99 a year.
This should include the monthly BT Sport pass, but not if you pay Sky and Virgin Media direct for BT Sport. You’ll need to activate the offer here.
You can watch BT Sport on your TV if you have the BT Sport app. This is available on
Samsung Smart TVs
Amazon Fire Sticks
Chromecast
Roku devices
NOW sticks
Xbox
PlayStation
Apple TV
Netgem
Buy an HDMI cable
As long as you have a laptop with an HDMI connector, you can just buy a cable to connect to your TV. This should be the cheapest option – but I prefer the smart stick options!