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Wow @Wally, that has to be a record lowest dd for energy.. l thought l was doing well with £5.
I’m embarrassed I forgot to mention utilities above.
I think £2 is pretty standard. I’m on £2 with EDF which, as they put it, is £1 for gas and £1 for electricity. For a period overpayments were a pain as they didn’t change the direct debit amount and kept refunding my overpayments albeit randomly between direct debit bank account and Amex. I gave up as the bill wasn’t life changing.
But of late they seem happy to sit on the cash from overpayments and I’ve finally relented and let them fit an AMR for the gas and a smart meter for electricity so I should be able to neatly stay ahead of their billing.
I guess going from 2.2p per MWh to 10.3p on gas focuses the attention when you’re in a big old Victorian house.
One final thing l did was gifted my OH some money via PayPal. Birthday, gifts anything. As a one off it’s fine under F&F.
How much did you ‘gift’ via F&F?
If you want to go down the buy cancellable hotels and get money back, VRBO is one ive used countless times. Some places in Kensington are £1k a night so its easy to hit that spend, and free cancellation til Aug 2023.
How does it work with booking a holiday – can you only cancel the holiday once you have passed the 3 months mark?
I recently discovered that through Tesco clubcard, if you have one, you can save up to £360 per year. Then in November they repay you along with a modest amount of interest in the form of Tesco clubcard vouchers which you can spend over the next 2 years in their stores. So you can pay for your shopping up front or you could use the vouchers to pay for treats or even turn them into Virgin points. You need to select the Christmas saving option in your clubcard account before trying to save money into it. Also this year’s scheme finishes around mid October, so be quick. The other caution is that the bonus vouchers only have a short lifespan, I think around 2 months so use those quickly
Also this year’s scheme finishes around mid October, so be quick. The other caution is that the bonus vouchers only have a short lifespan, I think around 2 months so use those quickly
Interesting. Can we use the bonus vouchers for Virgin points?
Is my understanding correct that we cannot use the vouchers until Christmas then?Top-up vouchers are valid for 2 years from the date of issue and can be used in-store or online.
Bonus vouchers are valid for 2 months from the date of issue and can be used in-store or online.
Unlike Clubcard vouchers, top-up and bonus vouchers can’t be used with our Reward Partners.
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A shame, it would have been nice to “buy” Clubcard points as they’re quite valuable… Although I have more than enough for the next few years thanks to the old Tesco Debit Card!
A shame, it would have been nice to “buy” Clubcard points as they’re quite valuable… Although I have more than enough for the next few years thanks to the old Tesco Debit Card!
thanks Steven. 6% in free tesco spend is not bad. I guess amex wont be accepted for this topup!
Wasn’t there someone a few years back who tried to buy something like a TV with the top-up vouchers, take it back and get clubcard vouchers instead as the refund? Maybe it worked one year but not the next?
@BuildBackBetter, you can only top-up in store so I assume Amex would work. Not worth the effort for a max £12 bonus unless you shop in Tesco a lot though!
You can make a friends and family payment for 6k with PayPal , problem solved , however I wouldn’t do this too often as Amex / PayPal May put flags on your account
@BuildBackBetter, you can only top-up in store so I assume Amex would work. Not worth the effort for a max £12 bonus unless you shop in Tesco a lot though!
Amex works just fine at the customer service desk. Although the bonus vouchers are not worth a fortune the main point is it’s another way to increase spend against the AMEX card to reach your target spend.
Sorry to bump a slightly-old thread, but doesn’t using Paypal gift backed by a credit card incur a 3.4% fee? I agree that this may still be an acceptable ‘cost’ to meet the target.
Sorry to bump a slightly-old thread, but doesn’t using Paypal gift backed by a credit card incur a 3.4% fee? I agree that this may still be an acceptable ‘cost’ to meet the target.
Nope doesnt incur any charges. Tried and tested
Although the friends and family needs some more data points. My question is what is the sweet spot? (one off F&F but not too large).
Sorry to bump a slightly-old thread, but doesn’t using Paypal gift backed by a credit card incur a 3.4% fee? I agree that this may still be an acceptable ‘cost’ to meet the target.
Nope doesnt incur any charges. Tried and tested
Although the friends and family needs some more data points. My question is what is the sweet spot? (one off F&F but not too large).
Thankyou Carlos
Gift cards for Amazon/supermarket used to be my go to’s but monese has eaten into that spend significantly this year. I feel like I’ve overpaid if I don’t get minimum 20% off these days 😳
Does anyone know what happens if you overpay council tax?
I.e. to hit a previous SUB 22/23 is already all payed up (PayPoint via COOP). Wonder if I can overpay and would that be carried forward to cover 23/24 once issued? I guess different councils may treat this differently.
My over-payments just got rolled over to the statement I received the following April as a credit towards that years bill; it was only a small amount though. around £150
I’ve just had a cancellable Novotel booking charged straight away, if that’s any use!
I’ve just had a cancellable Novotel booking charged straight away, if that’s any use!
How long does refund take to post?
I’ve just had a cancellable Novotel booking charged straight away, if that’s any use!
How long does refund take to post?
I’m actually using the reservation, not refunding it, but it could work for someone, I guess!
Whenever I’ve overpaid council tax it just rolls over to the next year – I suspect councils want as much money in the coffers as they can get so you have to actively seek a refund if you want it back!
Whenever I’ve overpaid council tax it just rolls over to the next year – I suspect councils want as much money in the coffers as they can get so you have to actively seek a refund if you want it back!
You are in effect giving them an interest-free loan – who wouldnt say yes
@Carlos – indeed, but in return they are very possibly giving me a SUB or triggering my 241!
Thanks for the insights all, good to know others have seen councils carry forward any overpaid.
I didn’t expect them to fight the free advance of money, but you never know sometimes!
Thanks everyone, some excellent suggestions. Will definitely investigate council tax paid by card. Always felt nervous about hotel pre-book and cancel; once I’ve hit spend target and got the bonus paid to me, would the cancellation just put me into a possible negative points situation for a while ?
I’ve prebooked and cancelled hotels so many times over the last few years. (not to run up the spend in the short term, but because plans change)
Almost always Hotels.com, and they refund quickly
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