How we saved thousands on our wedding

The list of pressures surrounding a wedding is too long to list. It’s your BIG DAY. It has to be PERFECT. But worries about everything going to plan, or if people will have a good time, are dwarfed by the general insaneness of just how much weddings can cost.

The average spend on a wedding in the UK is £30,111 – well, according to Brides Magazine. For some reason, they include the gift list in their sums (why?), as well as engagement rings and the honeymoon. Stripping them out the total cost comes to £20, 261.

Obviously, you still need to pay for the engagement ring and honeymoon; but I don’t count them as part of the wedding day itself. Nonetheless, spending £20k on one day – ONE DAY – isn’t something you’re ever likely to repeat.

I got married last year (yes, I know I promised this post ages ago) and, being dedicated to getting the best value from everything I spend, I wanted to share with you how we managed to have a pretty awesome day AND stay on budget.

We didn’t have a frugal wedding – we still spent £16,000 – but I’m confident anyone who attended would be surprised we didn’t spend a lot more, particularly for a London wedding; and that’s because we worked hard to get as much for our money as possible.

Here’s how we planned and paid for a pretty fantastic day.

Setting the budget (and the date)

When we got engaged, Becky and I were both travelling South and Central America having taken redundancy from our jobs. So, we had to start planning our wedding without knowing when we’d start working again.

This was probably the most important decision we made; we didn’t let the date decide our budget, we let our budget decide the date. We could easily have chosen a day six or twelve months away – but we knew we’d not have enough money saved up to afford the day we wanted. So we looked at existing savings and made a guess on how much we’d be able to save each month.

With this in mind, we chose a date two-and-a-half years after our engagement – a long wait by today’s standards. But any earlier and we’d have had to compromise on the day; there was no way we were going to get into debt to fund it.

Deciding the guest list

Money wasn’t the only factor that shaped our guest list – we didn’t want something so big it lost its intimacy – but it played its part.

We could only afford 70 guests for the sit-down meal, so that’s how many people we invited. It wasn’t easy – I ended up inviting my aunts and uncles, and most of my friends’ partners just to the evening – but I think this is where you can totally lose control of the budget.

You probably will lose some people this way, but hopefully most people will understand and enjoy themselves at the parts they do go to.

Choosing reception venue and food

As with any big purchase, we shopped around to compare what was on offer and the prices we’d have to pay. We looked in London, where we live, and Yorkshire, where Becky is from.

Unsurprisingly, prices jump as soon as you mention the “w” word. Working out costs is also incredibly complicated. Some venues will offer all-in, others will have different charges for the venue, staffing, catering, ceremony etc.

We eventually chose the Hawksmoor restaurant in London’s Guildhall for our wedding reception. It held special memories for us and cooks the most amazing steak.

Unlike many of the other places we looked, they operated a minimum spend system. We had to pay up-front, by instalments, £9,500 plus 12.5% service charge. We also managed to negotiate with them a refund of £2,000 if the bar spend exceeded that amount.

We calculated this cost less than a separate room and catering hire at other venues we liked, but with top quality food (it’s genuinely fantastic food – regarded as one of the best places to get steak in the UK), fantastic wait staff and a really lovely venue. Of course, this was only possible as the restaurant closes at the weekend – it’s in the City of London which is a ghost-town at weekends with all the bankers back in their country retreats. To get one of their other restaurants in Covent Garden or Mayfair to ourselves would have been far far more expensive.

All-in and after the drinks refund, £8,700 covered the venue (with a late licence ’til 2am), a few canapés, welcome cocktails, a three-course meal for 70 guests, wine, evening food (lobster roll, yum), the service charge and a couple of drinks each for another 20 evening guests. Not cheap, but I’d say outstanding value for money.

We’d have liked to have provided more free booze for our guests, but our budget didn’t allow it. However, we did save on the fizz to toast the speeches. We found it was cheaper to buy some decent supermarket prosecco (on offer, of course) and pay the corkage charge than buy bottles direct from the venue.

Getting what we wanted for far less

I could write a hell of a lot more here (if I wrote about every element in detail then this article would be well over 2,000 words – another blog post – or two – perhaps), so for the sake of brevity here are other ways we saved.

Buying the dress for less

Becky didn’t choose the dress based on the budget, but it just so happened it was cheaper for us to order this dress from the States and fly to New York to collect it than buy a traditional wedding dress! The savings made freed up cash to spend elsewhere.

My tux was also a bargain. I knew what I was after and happened to chance upon the online Moss Bros sale with one left in stock of exactly what I wanted – for just £79! Becky also found great deals on high-street dresses for the bridesmaids.

Finding the right suppliers

Any London photographer with a decent portfolio will easily cost you £1,500 to £2,000, if not more. We cut this drastically by using someone out of London. She’d taken pics at a friends wedding in Stratford the year before, which we knew were good, and she was happy to come to London for our wedding.

Cakes also don’t come cheap, but, thanks to a huge amount of research by Becky (research by Becky was key to so many of our savings), we found a relatively new baker whose prices were a fraction of others we looked at, but just as tasty, and if anything, more talented in decoration.

The quotes we got on flowers were the most ridiculous, but we found one amazing florist who was happy to work within our budget. She and Becky had very creative ideas to get the most for our money on tables, bouquets and buttonhole flowers. Less really is often more – when it’s done right.

A little bit of DIY

We were also lucky that the venue looked pretty fantastic as it was. We simply added some cheap fairy lights from Amazon to give a little sparkle.

In fact, Amazon, along with Hobby Craft, Not on the High Street and Etsy, was our friend in helping us buy decent quality materials to boost our invites and table plan.

Breaking with tradition

We didn’t buy favours for our guests, choosing instead to give them more booze. Likewise, we didn’t kit out the grooms people in matching gear.

We also asked our guests to contribute to our honeymoon rather than buy us stuff we already had. Not everyone did this, but it made our three weeks in New England far more affordable and allowed us to put more cash into the wedding day itself.

Saying no when we couldn’t afford it

I really, really wanted to hire a mariachi covers band (the ones from those Doritos’s adverts). They weren’t actually that expensive compared to what I know friends have paid for bands, but it was too much for our budget. So sadly we said no. But my carefully curated playlists did the job perfectly, so we didn’t even need a DJ – though we did shell out for a dance floor, PA system and lights.

As much as we’d have liked to have stayed in a posh hotel the first night, knowing we’d have got there about 3am and left at 10am meant it was a bit of a waste of cash – better spent on the first night of our honeymoon. In the end it was lovely to be back in our own bed.

You can read more – and find our suppliers – in this article Becky wrote for Boho Weddings (even though ours was absolutely not Boho!)

I really could keep on writing about this! But I won’t. Instead I’ll leave you with what might have been – the Mariachis singing East 17…

Be Clever With Your Cash is Financial Blog of the Year!

Wow, this was a bit of a surprise. Last night Be Clever With Your Cash won a big award – Financial Blog of the Year at the 2017 Headlinemoney Awards.

These annual awards recognise the best in personal finance journalism, with hundreds of journalists and publications nominated from the likes of the Sunday Times, Which?, Moneywise, Financial Times and Money Saving Expert.

Last year I was runner up, or highly commended, in the same category and that was amazing. And this year I thought that might be the best I could hope for – until they announced they were only going to announce a winner.

Still, it’s a fun event to attend. I knew I’d be able to catch up with lots of blogger and journalist friends, and I was able to use the gathering as an opportunity to record my latest Cash Chats podcast.

So it was a fantastic, unexpected result when the host Jeremy Bowen announced Be Clever With Your Cash as the winner!

It’s lovely to get the recognition for all the work I’ve put into the blog, but I guess it also validates that I’m giving you useful information in an entertaining way.

headlinemoney awards 2017 Andy Webb
Picking up the award from Georgie Frost and the BBC’s Jeremy Bowen

As part of the nomination process, I had to share three different articles from 2016 which best summed up my work. So I thought it would be good to share those same posts with you.

I selected each to demonstrate that a big part of the blog is showing I put my money where my mouth is, that I really live the articles I write. I also wanted to show that brands can’t buy my endorsement or a place on the blog – Be Clever With Your Cash truly is independent.

The first is a fun look at my addiction to reduced food stickers (it was picked up by BBC Online!).

>> My addiction to yellow reduced food stickers

The second is my reflection on the post-Brexit currency crash, using a forthcoming trip as a way to get you all to think about your holiday money.

>> Currency crash: My holiday just got A LOT more expensive

Finally, showing that blogs can start bigger stories, my investigation into dodgy iPhone handset pricing at O2 , which was then covered by Mirror Money and Moneywise.

>> O2’s iPhone rip off

 

Listen to the phone scammers trying to take over my computer

This scam could let tricksters take over your computer – and steal your cash.

A couple of months ago I shared how scammers had repeatedly called my landline pretending to be from TalkTalk.

Well, a new bunch are at it. The latest con artists called my mobile phone and pretended to be from BT. So I grabbed a camera and recorded what they said. I hope the video gives you an idea of what to look out for – and what to avoid.

 

I think you could tell that was a scam from the off, but people do get sucked in by these all the time. Often it’s the panic that they could lose everything that prompts them to follow the instructions.

If I’d done as the scammer said they could have taken over my computer to steal my details or, like with the recent NHS hack, locked it using what’s called ransomware.

The basics to beat scammers

Phone, email and text scams are getting more sophisticated, so you always need to be on guard. But the basics to keep safe are simple.

  • Be wary of any unsolicited contact
  • Don’t give any personal details unless you are sure it’s legitimate
  • Don’t download any software you’ve been instructed to over the phone, or click links in emails or texts
  • Hang up and call back on a different line using a number you find

Read more about protecting yourself from phone scammers in my article How phone scammers tried to rip me off

 

Be Clever With Your Cash turns four!

Another year gone, and so much to share!

Today is the fourth birthday of the blog, so as is now the tradition I wanted to share my highlights from the last 12 months and reflect on some of the big changes that took place.

The site

What really blows me away is just how many people are reading my little blog. In the 12 months up to today just under one million people read the blog. ONE MILLION! I hope I’ve been able to save people a lot more than £1 each, but even if that’s all that’s been saved, that’s still £1 million!

There’s been a big increase this year and in part I think that’s down to me moving the blog from something I did in evenings and weekends to on average two full days a week. Alongside a redesign last March, Be Clever With Your Cash has benefited from more time – and more writing.

The articles and deals

And I’ve written a lot. In the last year I’ve published 125 articles here on Be Clever With Your Cash. And the scary thing is I’ve stil hundreds of ideas I didn’t have time to write about! Plus there were so many fab deals I was able to find and share with you.

I’d also imagine you didn’t get a chance to read every single one of those – even if you are the most dedicated of readers ;). So here are my highlights from the last year:

I also started making a lot more video content for you on my YouTube channel, with this my fave. I was first with the story that morning, and the video was picked up by a few national newspaper websites. Lots more to do here in 2018 though!

I’ve also produced 44 episodes of the Cash Chats podcast. Here are a couple of my favourites which I think are well worth a listen.

A big award win

I guess the highlight of the year was picking up Financial Blog of the Year at the 2017 Headlinemoney Awards. It’s billed as the Oscars of the personal finance journalism world, so to win best blog was just amazing!

I also was delighted to win Best Money Saving Blog and Best Money Vlog at the 2017 SHOMOs awards, which recognise the best of UK Money Bloggers. Ok, yes I do run the awards, but I’m not involved in the judging so it was lovely to be recognised by my peers!

More established

One of the weirdest things about how my career has changed since starting the blog is that I’m now asked to appear on TV and radio as an expert. I’m used to sitting behind the camera and microphone, not in front of it!

Though I’ve done less telly this year, I still popped up on Rip Off Britain and Right on the Money, both on BBC One. And I’ve also done a lot more radio, including talking on BBC 5 Live a few weeks back, and regular appearances on BBC Radio Berkshire and BBC Radio London.

I’ve also continued writing for Moneywise magazine and Reader’s Digest, alongside guest blogs and articles for many websites.

It’s a genuine delight for me that I get to share my ideas and passion with so many people. Hopefully 2018 will see this continue!

What do you think?

I’d love to know what you think about Be Clever With Your Cash so I can make it even better for you. If you have a few minutes, please do fill in the survey below.

Thanks,

Andy

Be Clever With Your Cash is Financial Blog of the Year (again!)

I’m really proud to share with you that I won an award this week. For the second year running Be Clever With Your Cash was named Financial Blog of the Year at the 2018 Headlinemoney awards.

The Headlinemoney awards are a swanky affair and a big deal for personal finance journalists. When I won last year it was a huge shock, but I’d say this year I was even more surprised as I really thought there was no chance of getting it two years in a row.

But as the presenter, BBC journalist Sarah Smith, began by saying something along the lines (details are vague as it was all a bit of a blur) of “For the second year…” it clicked that I’d won. It’s a very surreal and humbling moment to have your name read out and then go up on stage in front of hundreds of personal finance journalists and PRs. But I was, and still am, absolutely delighted.

Headlinemoney awards 18 Financial Blog of the Year

As part of the process, I had to submit three articles from the blog – the ones I felt demonstrated why I do what I do. So I thought it would be good to share those same posts with you.

I selected each to demonstrate that a big part of the blog is showing I put my money where my mouth is, that I really live the articles I write. I also wanted to show that brands can’t buy my endorsement or a place on the blog – Be Clever With Your Cash truly is independent. So here they are if you missed them last year.

The corner shop stamp rip-off
How I tried to learn investing, but ended up blagging it
The 1p trick to get your “free” Waitrose tea or coffee
The judges’ comments

 

Also, do check out some of the fantastic and lovely bloggers who were also nominated, including Charlotte (LottyEarns), Becky (Good With Money) and Jane (Skinted Minted Mum) who are all from my UK Money Bloggers community, as well as Iona (Young Money).

A little perspective

As chuffed as I am with my win, I wanted to tell you about another award on the night. My category was immediately after the Lifetime Achievement award, which this year went to Daily Express journalist Geoff Ho. If the name sounds familiar, it could well be because in June last year he stood up to the terrorists attacking London’s Borough Market. His first-person account of the attack is a difficult read, but if you can take a look it shows why he received such a rapturous standing ovation.

How to cut the cost of your broadband and landline bills

It’s easy to pay far more than you need on your phone and internet service, but it’s also pretty easy to cut £100s off your annual bill.

I’m currently paying the equivalent of £19 a month on my landline and 100mb broadband with Virgin. That’s £28 a month less than the standard price, saving £336 a year.

It’s a big saving, and there’s no reason you can’t cut your bills too! And if you’re not on fibre broadband you should be able to get it for even less.

So how do you do it? My low Virgin price is a combination of a very good sign-up offer, a complaint about service and some good old fashioned haggling. And these aren’t the only way to save.

You can find out a little more about my savings in this week’s podcast, or read on for my tips.

I think there are four basic steps to save on broadband and landline. You don’t need to do all of these, but the more time you put in, the less you’ll pay.

Step 1 – Do some research

The best way to get a deal is to hunt around for the best prices and offers.

Use a comparison site to get an idea of your options.

There are plenty of comparison sites out there. I like Broadbandchoices.co.uk as unlike some of the others it works out the annual cost for you including extras. They also have a few of their own exclusive offers.

Watch out for hidden costs

Broadband companies are no longer allowed to hide the cost of the landline, but there could still be set-up and connection extras you have to factor in. Watch out too for the smaller print telling you how much you’ll pay in 12 or 18 months when your contract is up.

Look at the service ratings

A few years ago I wrote about the savings I made going for TalkTalk’s TV, phone and internet deal.

I’ve just crunched the numbers, and after cashback, bonus high street voucher, special offers and credit for poor service, I paid an average just £4.45 a month over the 16 months I was with them.

Pretty good eh? Except it was appalling service. So bad I was desperate to leave, which I finally managed to do without penalty payments. There’s absolutely zero chance I would ever go back to TalkTalk even if it was the cheapest service available.

So the lesson is, make sure you’re happy with the service you’re going to receive.

Know what you’re getting

Watch out for any broadband that has ‘traffic shaping’. This means they’ll cut your speed at busy times of the day.

Likewise, if you don’t stream a lot of TV or download much, you probably don’t need unlimited data or Fibre high-speed internet.

Work out what you need

Though more and more people don’t use a landline, it’s usually cheaper to get one alongside your internet.

If you’re mainly watching box sets on Netflix or keeping to the standard channels, think about if you really need a Pay TV package. If you do, then NOW TV can get you Sky channels for a lot less.

Check out my comparison of NOW TV, Netflix and Amazon Prime Instant Video

Step 2 – Look for extra offers and discounts

If you’ve found some prices that look tempting, see if you can save even more.

Check for cashback

Always look at TopCashback and Quidco to see what cashback deals they have. I got £110 when I moved to BT in 2017, and have had as much as £189 back. This can sometimes work for existing customers too if you want to upgrade your package.

Plus, new customers can often get a bonus when they sign up to the cashback site, sometimes as high as £16.

Wait for vouchers and other freebies

BT, TalkTalk and Sky all offer freebies when you sign up. Often it’s high street vouchers or a prepaid Mastercard. You can even get free tablets, FitBits or TVs from time to time.

However, these promotions can come and go and the value changes frequently. If there aren’t any on offer when you look I’d wait a few weeks to see if that changes, though if you’re paying through the roof with your current supplier it might be better to just switch. Most recently we got a £100 prepaid Mastercard.

If you can combine cashback and vouchers, that’s even better!

Can you pay upfront for the line rental?

A final saving is to pay your line rental upfront for a year. Unfortunately, the discounts available have dropped from around £50 to just £15 to £20, and not all providers do this. Plus you it can make it harder for you to switch away if you’re midway through your year. Still, it’s worth a look.

Step 3 – Haggle with your current provider

Once you’ve got a sense of the prices and extra offers available, call up your current provider.

Check if you’re in contract

Do check you are out of contract before leaving and if you’re required to return any equipment. If not you may be charged for leaving early. But Ofcom figures show that 39% of people are out of contract – and likely paying more than they should as a result.

It’s not impossible to get out of a contract before it ends. If prices rise, you often get sent a letter saying you have 30 days to move. You can also try to leave if the service is really bad, but this isn’t easy.

Work out your target price

If your research has come up with some fab extra discounts in the form of cashback and freebies, factor them into your monthly cost. So if you’re looking at £120 cashback, that reduced your ideal monthly fee by £10. This is what your current provider needs to match or beat.

See what they offer you

Phone up your provider and ask to speak to the cancellation team – they usually have access to the best deals. Say you’re thinking of leaving and see what they can offer you. Tell them the research you’ve done and the prices you’ve found elsewhere.

They’ll usually try to keep you by offering a discount or extra services for free. If it’s the latter, have a think about whether you really want that extra or if you’d prefer a money saving.

Don’t feel pressured to make a snap decision. Just say you need to speak to your partner/housemates and ask them to call you back the next day.

Hopefully they’ll suggest something you’re happy with (it’s obviously easier not to switch). But if they can’t match the deals you’ve found elsewhere, it might be time to switch.

Still call if you are in contract

You might still be able to haggle a better deal, or even cut some of your services you don’t use.

Step 4 – Make the switch

If you’d made the decision to move, it’s pretty easy to do.

Sign up with the new provider

The new provider will sort out the switch for you and let you set a date for the move to happen. It should take place within a couple of weeks, though our move to BT took longer.

The only difference is Virgin. You’ll need to cancel directly with your current supplier and ask for a MAC (Migration Authority Code).

Don’t forget to go through the cashback site or comparison site if they are offering exclusive deals, otherwise you’ll miss out.

Chase for any owed money

When I left Sky a few years back I realised they hadn’t refunded me for the last month. If I hadn’t chased them, it’s unlikely they’d have paid! The same happened with TalkTalk who owed me £77.

Are you oversharing on social media?

It’s easy to reveal more about yourself online than you realise – and that could help scammers and hackers.

This week a couple of blogging friends shared one of those little games that are so popular on Facebook. This one used your answers to tell you “Who you are”. The month you were born decided the first part of the answer, and the second part depended on which four-day date range your birthday fell into. So someone born between 12th and 15th of February would be a “Short Princess”, whereas 24th to 27th June would be a “Giant Unicorn”. Then you’re asked to post your answer in the comments below the picture.

Harmless fun right? Well, maybe not.

What those answers really reveal

Think about the information the quiz asks for.

By reading the comments posted for this game, I can work out the poster’s birthday within four days.

Ok, you might be thinking “What can they with just part of my birthday?”. Maybe nothing. But think about when you’ve had to go through security on the phone and date of birth has been one of the questions – particularly when asked for a four-digit memorable code.

People are rightly concerned when this kind of personal data is stolen in hacks like the ones on TalkTalk, Uber and Equifax, but they’re happy to share similar information when it’s presented as a bit of fun.

And this is done is in huge numbers. At the time of writing the game I mentioned above had 39,000 comments – and that’s just on one Facebook page. There will be many, many more comments on threads where people have shared the image.

This isn’t the first time I’ve seen this kind of data harvesting. When Facebook first started a popular one was to find your “pornstar name”. There were a few versions of this but the most common one was first pet’s name followed by mother’s maiden name. Oh, how we all laughed. Go on, do it now. It’s either very funny or incredibly dull (which is also funny). But don’t share it. Because, surprise surprise, do that and you’ve given away two key security questions.

Giving away access (and your data) to games and apps

You could also be giving away more information than you realise when you add extras to your Facebook account. By giving permission to apps, games and permissions you need to agree to what you share.

Some will just want your name and email address. But others will want your friends list, birthday and location.

The risk here is the game has only been created to get your data. And once you’ve given permission for Facebook to share it, those scammers can use the info against you or sell it to others.

The personal information we’re not even tricked into revealing

Social media was named as such because it’s about being social. And that means we’re likely to celebrate and share the things we love. Favourite bands and sports teams, pet names, family connections, anniversaries – even where we went to school. You might even proudly display your full date of birth including the year.

Do these all sound familiar? Yup, they’re all common security questions.

How to stop scammers finding your data on social media

As well as using the information you share to try to bypass security on your accounts, it could be used against you in other ways.

Often small parts of data can be merged with data found elsewhere to build up a bigger profile of you and your information. There could even be enough out there for people to steal your identity.

So how can you minimise this happening?

Well the first thing to do is make sure your social media accounts are locked down. Limit your Facebook page just to people you actually know, and then go through removing the obvious security risks such as your date of birth. You can remove your birthday on Twitter too.

Then just be careful about the games and quizzes you take part in. If any part of the question appears to reveal personal data, don’t take part. And only give access to any of your account data to brands you trust. On Facebook you can check which apps you’ve given access to.

Other ways oversharing could affect you

I’ve written about how I never reveal on social media if I’m on holiday or away from my house if there’s no one at home. The danger is you’re effectively advertising to thief’s that there’s an empty home ripe for a break in.

It has also been known for employers and recruiters to check social media accounts of prospective employees. Anything dodgy and there’s little chance you’ll get the job.

And sometimes old tweets and posts can come back to haunt you. It seems every month or so a footballer, politician or celebrity has to apologise for something they said online. To be fair most of these examples tend to be racist, homophobic or misogynistic and I’ve few issues with those people being exposed. But you might want to audit your accounts for anything you regret typing, and deleting as appropriate.

https://becleverwithyourcash.com/facebook-hacking-checklist-how-to-protect-your-data/

Be Clever With Your Cash is five!

The highlights for me and the blog over the last 12 months.

I don’t write about me and the blog itself very often, but I find this anniversary each year is a good time to reflect on everything that has been going on. It’s actually been a huge year, with lots of change in my life, but all of it good.

This article is also an opportunity to thank you all for your continued support as the site turns five years old. I know the words I write and speak here on Be Clever With Your Cash can make such a difference to your finances, but without you reading, listening and watching it would all be quite meaningless. So thank you, thank you, thank you.

Here’s what been going on:

Leaving London, going freelance… and on to TV

At the end of February last year Becky and I upped sticks and moved to Yorkshire. The locals have a reputation for being a savvy bunch, so it seems like fate to have ended up here.

In another big change, last May I took the tough decision to go full time and leave the Money Advice Service where I’d been writing their blog for the previous four years, though only part-time for the last 18 months. I was looking forward to devoting more time to the blog, when quite unexpectedly a new opportunity came about… TV.

I’d had chats with TV production companies before, even making a “taster tape” at one point, but none ended up getting commissioned. This one was different, Channel 5 already wanted a new consumer series and the team at True North were looking for a money expert to be part of the team.

The initial chats were promising, and I hoped I’d get this small role on-screen to build upon my other TV experiences. You know that I did make the cut, alongside Gaby Roslin and Fiona Phillips. Shop Smart Save Money had an initial run of three episodes in June 2018, returned for another eight in the autumn.

I didn’t expect quite how large my role would end up being. I’m loving going out and meeting a different family each week, and even more so sharing tips and tricks every week in the studio. We’ve just started filming for another batch which will air in the spring – and I found out last week that I’ve been shortlisted for the Financial Broadcaster of the Year award at the Headlinemoney Awards for my work on the show. Exciting stuff!

The site

The TV work actually takes up as much time as my two days a week at the Money Advice Service, so sadly I’ve not been able to expand my time on Be Clever With Your Cash. But that doesn’t mean the blog hasn’t continued to do well.

One million different people have visited the site in the last 12 months, totalling 1.4 million different page views. Imagine one person saved £1 for each of those views… a huge amount of money saved, and I really think the figure could be much, much higher.

The articles and deals

I wrote a total of 122 articles, and regularly found and updated hundreds of deals. Once more I still didn’t have the time to write about everything I wanted to. My highlights, in case you missed them the first time around, are:

Sadly the last year saw the end of the popular NUS card trick, and it looks like Zeek’s cut-price gift cards are also now finished. So I’ll keep working hard to find new ways for you to get the best discounts and help your money go further.

The podcast & YouTube

Cash Chats clocked up 35,000 listens in 2018. Though I’ve taken a bit of a break over the last few months it’ll return in March with brand new episodes. Plus you can now listen on Spotify!

YouTube also took a bit of a back seat during filming, and with house renovations about to start these videos might not return for a few months. The most popular has been “Why I’m saying no to a smart meter“, which so far has had almost 5,000 views.

Another big award win

When I wrote the article for the site’s fourth birthday, my highlight was winning Financial Blog of the Year at the 2018 Headlinemoney awards. It says a lot about this year that winning it for a second time last May wasn’t the biggest news! But it was amazing to win the award again.

What do you think?

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Why I didn’t tell you I went on holiday

I’ve just got back from a week away. But I didn’t post any pics on Facebook or Twitter while I was away. I didn’t mention it anywhere on my blog.

Of course I wanted to. Surely the whole point of holiday snaps on social media is to say “look at me having a lovely time while you’re still at work!”, all posted while cackling a Bond villain laugh. 

And professionally, I wanted to let you lot know why I might not respond as quickly as I could to comments or emails. I scheduled all my new articles in advance and even had the newsletter and social media posts prepared in advance so it would seem like (relatively) normal service.

So why did I go incognito? Why all the effort to make things seem normal?

Well it’s really simple. I didn’t want you to know my house was empty.

I don’t know about you, but any time I get back from a trip away I always approach my house with a little trepidation. Could we have been burgled? Fortunately we never have, but I’ll do what I can to avoid it.

Obviously doors and windows are locked. A neighbour picks up the post and brings the bins back up. We’ve got timers on lights too. Standard stuff.

But not revealing that I’ll be away is equally important.

Advertising your absence

When you check in on Facebook that you’re at Heathrow Terminal 4 ready to jet off somewhere, you’re telling anyone who can see your page that you’re off on hols.

When you tweet a snap of some badly translated t-shirt in Asia, you’re clearly saying you’re not at home.

When you Instagram a photo of your Spanish tapas, again you’re telling people you’re away.

And, sadly, this could mean there’s a higher chance you will be burgled. You’ve been publicly saying you’re home is empty – a fantastic opportunity for any thieves.

“But it’s just my mates on Facebook”, you might be thinking. Yeah maybe. But is your security as tight as you think? All it takes is for a friend to like your post and it could then appear on another wall. And for most people, Twitter and Instagram are open to everyone. Everyone.

It’s a weird test, but next time you see a friend share their holiday online, head over to their house and take a look. I’d imagine you could find a lapse or two in security. And you’re not even a professional burglar (at least I hope not).

If the movie Home Alone was to be remade now, all The Wet Bandits would have to do is quickly check the McCallister’s Insta feed to see the family was away (except for Kevin of course).

> Are you following me on Twitter? Click to see my updates (except for holidays..)

Social media could even stop an insurance claim

Still, there’s always the hope it won’t happen, and hopefully if your home is broken to while you’re away, you’ve got insurance to cover any loses.

But it’s not that easy. You’re insurer might check back on your social media posts to see if you’ve advertised your absence to thieves. In the same way your claim would be rejected if you left a window open, social media posts about an empty property could be seen as neglectful on your part. That would mean no compensation for everything stolen. No repairs to broken doors or windows. You’d have to find the cash yourself.

So when you head off on your hols, maybe you should do as I do and take a break from social media. It might just stop your home being burgled.

> I hate buying insurance, but it’s a necessary evil – here’s how to save