Last week I published this post about how to get a postal vote. If you wish to do this, I urge you to act as soon as possible, as the deadlines for applying are fast approaching.
If you have been given a postal vote you won’t be able to vote in a polling station, although you can take your postal vote there in person if it’s too late to post it.
Today I want to talk about how to ensure you are able to vote on the day – 4th July 2024 – if you don’t have a postal vote. I am particularly addressing older individuals today, since they are the people for whom this blog is primarily intended.
The name and address of your local polling station will be on your poll card. This is the only place you can go to vote. It’s a good idea to take the card with you so that the clerks can find you on the register. But it’s not compulsory to take it if you have misplaced it (or never received it) . In that case you will simply need to provide your name and address.
For the first time in a UK general election, however, you will need to bring a form of photo ID with you when you go to vote. Various options are acceptable, including a photo driving licence, passport, old person’s bus pass, Blue Badge, and so on. They don’t even have to be current so long as you can be recognised in the photo. You can see full details of what forms of photo ID are acceptable on this web page. Failing that, you can apply for a free Voter ID document here – the closing date to apply for this is Weds 26th June. You will of course need to be registered to vote before you can apply for this. Note that photo ID is not required when voting by post.
Here then are some tips for getting safely to and from the polling station on election day.
Going to Vote
Aim to get to the polling station early in the day.
Plan your journey in advance. If you know the best route to the polling station, this will make your journey less stressful, especially if the weather is bad.
Don’t be afraid to ask for assistance if needed. See if a friend, relative or neighbour can accompany you or give you a lift.
If you are going in a car, plan where you will park in advance. If you have a Blue Badge, you can of course park on yellow lines for up to 3 hours, so long as there are no other restrictions. But it is better to park in designated disabled bays if these are available.
If you are stuck for a way of getting to the polling station, you could contact the local office of the party you intend to vote for. They are all keen to get their voters out and will help you if they can, perhaps by putting you in touch with a volunteer who can give you a lift.
Finally, at the risk of stating the obvious, take your time and don’t rush, especially if the weather is bad. Casting your vote is important, but so too is avoiding accidents and staying healthy.
Helping Older People to Vote
If you have older (and/or disabled) friends, relatives or neighbours, it is a good idea to check if they wish to vote, and if so to offer your assistance.
A lift to the polling station may be appreciated. Or you could simply offer to accompany them on the journey there and back. This applies especially if they have mobility difficulties.
Whatever your political preference, I urge you to express this by voting on Thursday 4th July. As I said in my earlier post, it is important that the voices of older people are heard by law-makers, and that their views are given due weight.
I hope that by following the tips and advice above you are able to cast your vote safely and with a minimum of hassle.
As always, if you have any comments or questions about this post, please do leave them below.
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For better or worse, Britain will have a General Election on Thursday 4th July 2024.
I have seen several articles urging young people to register so they can cast their vote when the time comes. Of course, it is right that in any democracy as many eligible people as possible register and turn out to vote. However, it is just as essential that older people also have their say.
As Pounds and Sense is aimed primarily at over-fifties, I therefore wanted to take the opportunity to encourage you to apply now for a postal vote if this might help you exercise your democratic right to vote.
Having a postal vote means that if ill health, frailty or disability prevent you getting to a polling station, you still have the opportunity to express your political preference. Likewise, you won’t have to worry about obstacles such as bad weather or a lack of transport on the day to get to the polling station.
Any registered voter in the UK can apply for a postal vote. This includes:
British citizens living in the UK
British citizens living abroad (overseas voters)
Commonwealth and Irish citizens residing in the UK
In England, Scotland and Wales (though not Northern Ireland – see below) you will not normally have to give any reason for wanting a postal vote and one should be granted automatically if you apply.
I assume that most readers of this blog will have registered to vote in elections already, but if by chance you haven’t, here’s a link to the relevant website. You must register by 11:59 pm on Tuesday 18th June to vote in the General Election on 4th July.
How to Apply
To get a postal vote for the forthcoming election, you must apply before:
5 pm on Weds June 19th if you live in England, Scotland or Wales
5 pm on Fri June 14th if you live in Northern Ireland
In England, Scotland or Wales, you can obtain a postal vote application form from several sources:
In Northern Ireland, people wanting to vote by post have to fill out a form and send it to the electoral office in Belfast. These forms can be found online here.
The postal vote application form requires the following details:
Your personal details (name, address, date of birth).
Your address where the postal ballot should be sent.
The reason for requesting a postal vote if applicable. Voters in Northern Ireland are always required to give a reason when they apply.
Make sure to fill in all sections accurately to avoid delays or rejections.
Once completed, you must return the form to your local Electoral Registration Office. This can be done by post or hand delivery. It’s important to ensure the form arrives before the deadline, which is usually 11 working days before election day. Late applications will not be accepted.
Receiving and Returning Your Postal Vote
After your application is approved, you will receive your postal voting pack, which includes:
a ballot paper
instructions on how to complete your vote
a postal voting statement, which you must sign and provide your date of birth.
a return envelope
To cast your vote:
Mark your ballot paper according to the instructions.
Seal your ballot paper in the envelope provided.
Complete and sign the postal voting statement.
Place both the sealed ballot envelope and the signed statement in the return envelope.
Post your vote back as soon as possible to ensure it is received in time. It must reach the Electoral Registration Office by 10 pm on election day to be counted.
Tips for Postal Voting
Send your vote early to avoid postal delays and ensure your application is processed in time.
Double-check all details on your application and voting pack.
Follow the instructions carefully to ensure your vote is valid.
If you haven’t received your postal voting pack one week before the election, contact your local Electoral Registration Office immediately.
Be aware that if you have applied to vote by post, you cannot vote in person at a polling station. However, on election day you can return your postal vote to any polling station in your local authority area (before 10 pm) or to the Returning Officer at your local council (before they close) if you don’t want to post it or it’s too late to post it.
Closing Thoughts
The next government, whatever its political hue, will have to address a range of issues that are of great importance to older people. Prominent among these is the cost of long-term care (and who will bear it), but there are many other areas of concern, including pensions and benefits, the NHS, public transport, housing, law and order, immigration, the cost of living, national security and defence, and so on.
So it really is important to ensure that nothing prevents you casting your vote when the time comes. Registering for a postal vote is one way to ensure that ill-health, frailty or disability do not rob you of the opportunity to exercise your democratic right.
As always, if you have any comments or questions about this post, please do leave them below.
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I recently returned from a four-night break on the Isle of Man. It was actually the first time I had ever visited the island, so it’s fair to say I was approaching it with fresh eyes!
For this break I went on a heritage-railway-themed holiday with Newmarket Holidays – here’s a link to the package I booked. I paid a single fee, discussed in more detail below. This included four nights half board in a four-star hotel in the island capital Douglas and my flights to and from the island from Birmingham Airport. The fee I paid also covered transfers from and to Ronaldsay Airport on the IOM and various other things, which I’ll discuss shortly.
For those who don’t know, the Isle of Man is in the Irish Sea, about half way between England and Ireland. It is 32 miles long and – at its widest point – 14 miles across. It covers a total area of around 221 square miles, That makes it nearly five times bigger than Jersey, the largest of the Channel Islands. It is a self-governing British Crown dependency. You can read more about the Isle of Man in this Wikipedia article.
Here is a map of the island from Google Maps…
Flights
As mentioned I flew to the Isle of Man from Birmingham, getting a taxi to and from the airport.
I’d have to say my experience at Birmingham Airport on the outward journey was poor. A lot of building work was going on to install new luggage scanners. As a result the usual queuing areas and escalators were unavailable and passengers had to queue for ages, first to get into lifts to the departures area and then to get through security. I spent almost two hours queuing and by the time I was through it was the final call for my flight. So I then had a mad dash to get to the gate in time. Thankfully I just made it; I’m sure others weren’t as lucky.
The flights were with Scottish airline LoganAir and were actually very good. The isle of Man only attracts relatively small numbers of visitors, so they use small planes and boarding is quick and easy. I was also impressed to be offered free refreshments on both the outward and return flights (something I haven’t experienced on a holiday flight for many years). It took around 50 minutes to get from Birmingham to the IOM, so that was quick and easy too. Of course, if you don’t like flying, you also have the option of going to the island by ferry from Liverpool or Heysham.
I should mention that the return flight back to Birmingham was easy in comparison. Because it’s regarded as a domestic destination, passengers returning to the UK from the IOM don’t have to go through security or passport control. I was out of the airport no more than 15 minutes after landing.
Accommodation
I stayed in a four-star hotel called The Mannin in Douglas. The hotel is just off the main promenade and several other Newmarket Holidays guests were staying there as well.
The hotel room had all the amenities needed for a short stay, including a comfortable double bed, a flat-screen TV, a fridge and electric kettle, and plenty of drawer and wardrobe space. It had an en-suite bathroom with a modern power shower that worked well, with plenty of hot water.
One thing the room didn’t have was a window to the outside world. It had a window leading out to a small balcony, but this was actually within the hotel, overlooking the bar and restaurant area. You may not be surprised to hear that I didn’t use this during my stay 😏
As mentioned, I was staying half-board. Breakfasts were buffet-style and included everything you’d expect, including cooked items such as bacon, sausages, tomatoes, mushrooms and fried or poached eggs (no scrambled, though). I was pleased to discover that the evening meals included my choice of starter, main meal and dessert, with even the most expensive items such as steak at no extra cost. My one slight reservation was that, barring the soup and fish of the day, the menu was the same every night . If I had been staying any longer I might have found this a bit limited. That’s only a very small criticism, though.
Financials
As Pounds and Sense is primarily a money blog, I should say a few words about this.
I paid a total of £1,305 (including VAT) for my four-night visit. That might sound a lot, but as mentioned it included my flights to and from the island, coach transfers, and most meals, along with various other services and amenities. I stayed in a double room with single occupancy, so obviously paid a bit more than a couple would have (pro rata). And finally, I was in a premium four-star hotel. Some other guests were in three-star hotels which I guess would have been a bit cheaper. As a matter of interest, I had to choose the Mannin as it was the only option offered to me when I booked with Newmarket. I guess all the cheaper accommodation had been snapped up already!
The price I paid also included the services of a tour guide, Trevor. He was a local man (from Peel) and extremely knowledgeable about the island. He looked after us very well and even sprang into action when I couldn’t get the top off an ice-cream tub I had bought 🍦😅 Each morning we were picked up by a double-decker bus with Trevor on board. This took us to whatever destination we were visiting first that day (typically a railway station).
Also included in the cost were Isle of Man ‘Go Explore Heritage Cards’. These provided free admission to all the main tourist attractions and also covered travel on the island’s trains and buses. As a result, I actually spent very little extra money during my break – just the odd bit for refreshments during the day and any souvenirs I chose to pick up.
Things To Do
I won’t give you a blow-by-blow account of everything I did on my visit – you can see the full itinerary on the Newmarket Holidays page if you like. I will share some highlights and personal recommendations, though.
1. Douglas: The Capital
This is where I stayed. It is a vibrant, bustling place, with an attractive beach and picturesque promenade you can stroll along. In Douglas you can find the Manx Museum to delve into the island’s history. You can also enjoy a night at the Gaiety Theatre, a beautifully restored Victorian venue offering a variety of performances.
2. Castletown and Castle Rushen
Castletown is the ancient capital of the Isle of Man. Castle Rushen (photo below), one of Europe’s best-preserved medieval castles, is here with its impressive structure and exhibits detailing the island’s past. Also in Castletown you can see the Old House of Keys, the island’s original legislative centre. The trip I was on included admission to the Old House of Keys and an entertaining hour-long interactive presentation there about the island’s history. You would have to book this in advance if not travelling with an organised group.
3. Peel and Peel Castle
The town of Peel is on the island’s west coast and well worth a visit. You can explore the atmospheric ruins of Peel Castle (photo below), and enjoy fresh seafood at one of the local eateries. The House of Manannan museum provides an immersive experience into the island’s Celtic, Viking, and maritime history. You could easily spend a full day here!
4. The TT Mountain Course
For motorsport enthusiasts, the Isle of Man TT (Tourist Trophy) races are legendary. Even outside of race season, you can drive or cycle the 37.73-mile TT Mountain Course, taking in spectacular views and imagining the thrill of the races.
5. Laxey Wheel and Snaefell
The Great Laxey Wheel (see cover image), also known as Lady Isabella, is the largest working waterwheel in the world. If you’re brave (and fit) enough you can go up the spiral steps to a viewing platform at the top. Nearby, the Snaefell Mountain Railway takes you to the island’s highest point. On a clear day it’s said you can see seven kingdoms from here: England, Ireland, Scotland, Wales, the Isle of Man itself, and the kingdoms of Heaven (the sky) and Neptune (the sea). On a more prosaic note, at the top is a nice cafe where you can buy excellent coffee and home-made cake 🍰
6. Isle of Man Steam Railway and Manx Electric Railway
I was on a railway-themed holiday, so naturally this included trips on both of these. The steam railway (photo above) runs through beautiful countryside from Douglas to Port Erin at the southern tip of the island. You get some lovely views of the coast along the way.
The Manx Electric Railway (photo below) also runs from Douglas but in the opposite direction, towards Laxey and then on to Ramsey. The Manx Electric Railway has two carriages, one covered and one open to the elements (referred to colloquially as The Toast Rack!). I went on both during my stay. You get better views from the open carriage but it can be a bit chilly, so remember to wrap up well!
Quick Tips
Here are a few tips for first-time visitors to the Isle of Man based on my own experience and other information gleaned…
1. Plan for the Weather
The Isle of Man has a maritime climate, meaning weather can be unpredictable. It’s advisable to pack layers and waterproofs to stay comfortable regardless of the conditions. That being said, I was extremely lucky on my trip and enjoyed wall-to-wall sunshine.
2. Embrace the Outdoors
With its stunning landscapes, the island is perfect for outdoor activities. Walk a segment of the Raad ny Foillan (Way of the Gull) coastal path, explore glens and waterfalls, or enjoy cycling and bird-watching.
3. Sample Local Delicacies
Don’t miss out on trying Manx kippers, queenies (small scallops), and the island’s renowned ice cream. Local pubs and restaurants often feature these and other regional specialties.
4. Respect Local Traditions
The Isle of Man has a unique culture and traditions, including its own language, Manx Gaelic. You might hear locals using expressions like “Failt Erriu” (Welcome) and it’s appreciated if you can master one or two phrases like this. There are also various superstitions on the island. One of the first I discovered concerned the fairy bridge (quite near the airport). The tour guide told us we must all say “Hello, fairies” as our coach passed over this or bad luck might befall us. Needless to say, everyone complied!
5. Use Contactless Payments
Most places accept contactless payments, but it’s wise to have some cash on hand for smaller vendors and rural areas. Note that if paying by cash you may receive change in Manx notes and coins which are not generally accepted outside the Isle of Man. UK banks will usually exchange Manx banknotes but not coins, so if you get any in your change you will have to keep them as souvenirs, donate them, or hold on to them for your next visit. You can ask retailers if they have UK money available as change, but that is not guaranteed 🙂
Closing Thoughts
As you may gather I enjoyed my holiday on the Isle of Man and am happy to recommend both the island itself and the Newmarket Holidays tour I went on.
The Isle of Man is verdant and charming, with a long and interesting history. Obviously the heritage railways are a particular attraction (for me at any rate!), but so too are the castles at Peel and Castletown and the Great Wheel at Laxey (a beautiful village with a range of other tourist attractions as well). But it’s also a wonderful place to be out walking or cycling, with quiet roads (outside the TT races obviously) and a dramatic and unspoiled coastline. I would definitely like to return there before too long.
As always, if you have any comments or questions about this post, please do leave them below. Also, if you have visited the Isle of Man yourself and have any additional tips or recommendations, I would love to hear them!
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I was recently offered the chance to review the Simba Hybrid Mattress Topper (see cover photo). This is a premium mattress topper from the well-known Simba sleep brand.
I must admit, incidentally, I hadn’t realised the variety of sleep products Simba offer. I knew about their mattresses, of course, but wasn’t aware they also sell quilts, pillows, mattress toppers, and so on.
I currently sleep on a Slumberland king-sized mattress which – despite being barely three years old – is starting to sag. My sleep quality had deteriorated and I was waking up with an aching back and hips. Not good at all 🙁 So when I got the opportunity to test out Simba’s hybrid mattress topper, naturally I leapt at it.
I have tried mattress toppers before, and in fact got a cheap one from Amazon prior to receiving the Simba product. It helped a little but clearly wasn’t going to be the solution for me.
The Simba hybrid mattress topper takes sleep comfort to a whole new level. For starters, it’s deeper and heavier than my previous mattress topper. It came rolled up in a (very) large cardboard box. I wrestled it upstairs and opened it without any help (nobody else being around at the time) but ideally I’d say this is a two-person job.
The mattress topper comes tightly wrapped in a clear plastic bag. Once I removed it from this, it lay flat on the bed without curling. Unlike some sleep products I have ordered in the past, you don’t have to wait for it to expand to its full depth.
From the first night onward I was hugely impressed with the Simba hybrid mattress topper. It is no exaggeration to say that it felt as though I was sleeping on a brand new mattress. It is smooth, cool and comfortable to lie on and (for me anyway) offers just the right medium-to-firm level of support. I am sleeping deeper and longer before waking, and the aches and pains in my back and hips are a thing of the past.
I thought it might be useful to reproduce here the diagram from the Simba web page showing how their hybrid mattress topper is constructed and the different layers it contains…
As you can see, the Simba hybrid mattress topper includes a number of different layers (hence the ‘hybrid’ in the name, I assume). You can read more about this on the Simba web page, but briefly at the top there is a soft, breathable sleep surface, with a foam comfort layer under that. In the middle is a spring support layer (just like in a mattress), with a high-density foam base below that. This is very different from most cheap mattress toppers, which are basically just quilts with a cotton/polyester filling.
Obviously because of its layered structure, you can’t turn the Simba hybrid mattress topper over. You can rotate it from end to end though, and it’s probably a good idea to do so occasionally to even out wear. No instructions are provided about this, however, so that’s purely a suggestion, based on my previous experience with mattresses.
Are there any drawbacks to the Simba hybrid mattress topper? Well, I did notice a slight ‘chemical’ smell which took a few days to disperse. It didn’t bother me, but ideally you might want to let your new mattress topper air for a day or two before starting to use it. I’m afraid I was too impatient to wait, though!
In addition, as this mattress topper contains springs, I wouldn’t recommend trying to wash it (it wouldn’t fit in a standard washing machine anyway!). It does though come with a removable, washable cover. Essentially, you need to treat this product as if it was a mini-mattress in its own right. That isn’t really a drawback to the Simba hybrid mattress topper, just a feature of it.
Overall, I am happy to give the Simba hybrid mattress topper my highest personal recommendation. If – like me – you have an old mattress that is starting to sag, it should prolong its useful life. Also, if you have a mattress that is too hard, it should make it softer and more comfortable for you. It’s not cheap (at the time of writing £219 for the single version or £329 for the king-size I received) – but, as so often in life, you get what you pay for. Easy payment by interest-free instalments (up to 12 months) is also available subject to status.
I should add as well that delivery is free and fast: next working day if you order before 2 pm or two working days if you order after 2 pm. There is also a range of options for buying a Simba double topper.
Many thanks again to my friends at Simba for allowing me to try out their hybrid mattress topper. If you have any comments or questions about this post, as ever, please do post them below as usual.
Disclosure: This is a sponsored post (gifted product).
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I’ll begin as usual with my Nutmeg Stocks and Shares ISA. This is the largest investment I hold other than my Bestinvest SIPP (personal pension).
As the screenshot below for the last 12 months shows, my main Nutmeg portfolio is currently valued at £ £22,994. Last month it stood at £22,386 so that is a welcome increase of £608.
Apart from my main portfolio, I also have a second, smaller pot using Nutmeg’s Smart Alpha option. This is now worth £3,640 compared with £3,530 a month ago, a rise of £110. Here is a screen capture showing performance over the last 12 months.
Finally, at the start of December 2023 I invested £500 in one of Nutmeg’s new thematic portfolios (Resource Transformation). As you can see from the screen capture below, this is now worth £530, an increase of £11 since last month and £30 or 6% over the three-month period since I first invested.
February was obviously a good month for my Nutmeg investments. Overall I was up £737 or 2.79%. In these turbulent times I am more than happy with that.
You can read my full Nutmeg review here. If you are looking for a home for your annual ISA allowance, based on my overall experience over the last seven years, they are certainly worth considering. They offer self-invested personal pensions (SIPPs), Lifetime ISAs and Junior ISAs as well.
Don’t forget, the current tax year ends on 5 April 2024 and after that the 2023/24 tax-free ISA allowance of £20,000 will be gone forever!
I also have investments with the property crowdlending platform Kuflink. They continue to do well, with new projects launching every week. I currently have around £1,570 invested with them in 10 different projects paying interest rates averaging around 7%. I also have £14 in my Kuflink cash account.
To date I have never lost any money with Kuflink, though some loan terms have been extended once or twice. On the plus side, when this happens additional interest is paid for the period in question.
There is now an initial minimum investment of £1,000 and a minimum investment per project of £500. Kuflink say they are doing this to streamline their operation and minimize costs. I can understand that, though it does mean that the option to test the water with a small first investment has been removed. It also makes it harder for small investors (like myself) to build a well-diversified portfolio on a limited budget.
One possible way around this is to invest using Kuflink’s Auto/IFISA facility. Your money here is automatically invested across a basket of loans over a period from one to five years. Interest rates range from 7% to around 10%, depending on the length of term you choose. Full up-to-date details can be found on the Kuflink website.
You can invest tax-free in a Kuflink Auto IFISA. Or if you have already used your annual iFISA allowance elsewhere, you can invest via a taxable Auto account. You can read my full Kuflink review here if you wish.
Moving on, my Assetz Exchange investments continue to generate steady returns. Regular readers will know that this is a P2P property investment platform focusing on lower-risk properties (e.g. sheltered housing). I put an initial £100 into this in mid-February 2021 and another £400 in April. In June 2021 I added another £500, bringing my total investment up to £1,000.
Since I opened my account, my AE portfolio has generated a respectable £168.53 in revenue from rental income. As I said in last month’s update, capital growth has slowed, though, in line with UK property values generally.
At the time of writing, 10 of ‘my’ properties are showing gains, 4 are breaking even, and the remaining 15 are showing losses. My portfolio is currently showing a net decrease in value of £40.01, meaning that overall (rental income minus capital value decrease) I am up by £128.52. That’s still a decent return on my £1,000 and does illustrate the value of P2P property investments for diversifying your portfolio. And it doesn’t hurt that with Assetz Exchange most projects are socially beneficial as well.
The overall fall in capital value of my AE investments is obviously a little disappointing. But it’s important to remember that until/unless I choose to sell the investments in question, it is largely theoretical, based on the most recent price at which shares in the property concerned have changed hands. The rental income, on the other hand, is real money (which in my case I’ve reinvested in other AE projects to further diversify my portfolio).
To control risk with all my property crowdfunding investments nowadays, I invest relatively modest amounts in individual projects. This is a particular attraction of AE as far as i am concerned (especially now that Kuflink have raised their minimum investment per project to £500). You can actually invest from as little as 80p per property if you really want to proceed cautiously.
As I noted in this recent post, Assetz Exchange is particularly good if you want to compound your returns by reinvesting rental income. This effectively boosts the interest rate you are receiving. Personally, once I have accrued a minimum of £10 in rental payments, I reinvest this money in either a new AE project or one I have already invested in (thus increasing my holding). Over time, even if I don’t invest any more capital, this will ensure my investment with AE grows at an accelerating rate.
In 2022 I set up an account with investment and trading platform eToro, using their popular ‘copy trader’ facility. I chose to invest $500 (then about £412) copying an experienced eToro trader called Aukie2008 (real name Mike Moest).
In January 2023 I added to this with another $500 investment in one of their thematic portfolios, Oil Worldwide. I also invested a small amount I had left over in Tesla shares.
As you can see from the screen captures below, my original investment totalling $1,022.26 is today worth $1,238.51, an overall increase of $216.25 or 21.15%.
eToro also offer the free eToro Money app. This allows you to deposit money to your eToro account without paying any currency conversion fees, saving you up to £5 for every £1,000 you deposit. You can also use the app to withdraw funds from your eToro account instantly to your bank account. I tried this myself and was impressed with how quickly and seamlessly it worked. You can read my blog post about eToro Money here. Note that it can also serve as a cryptocurrency wallet, allowing you to send and receive crypto from any other wallet address in the world.
I had three more articles published in January on the excellent Mouthy Money website. The first is How to Save Money on Motoring. Like everything else in life the cost of motoring is going up and up, so in this article I set out a variety of ways – from ride-sharing to driving for fuel economy – you may be able to reduce it.
Also in February Mouthy Money published Are You Making the Most of Your Annual ISA Allowance?. As mentioned earlier, the 2023/24 tax year ends in just a few weeks’ time. And after that the £20,000 tax-free ISA allowance for that year will be gone forever. In this article I describe the different types of ISA – Cash ISA, Stocks and Shares ISA, Innovative Finance ISA (IFISA) and Lifetime ISA (LISA) – and explain how they work and the differences between them. I also provide some tips and advice for making the most of your annual ISA allowance.
My final article published on Mouthy Money last month was Can You Save Money on Your Shopping with JamDoughnut? Regular PAS readers will know that I am a fan of the JamDoughnut app, which enables you to save up to 20% on purchases with a growing range of retailers. The article also reveals how you can get a £2 head-start by using my referral code.
As I’ve said before, Mouthy Money is a great resource for anyone interested in money-making and money-saving. I am a particular fan of my fellow MM contributor and money blogger Shoestring Jane. She writes mainly about money saving and frugal living. Her latest article Frugal Skills to Save You Money sets out a selection of life skills that can save you money (and aren’t hard to learn). You can see all of Jane’s articles for Mouthy Money via this web page.
I also published several posts on Pounds and Sense in February. I won’t bother mentioning those that are no longer relevant now, but the others are listed below.
In Get Your Will Written Free of Charge in March I revealed how you can get your will written (or updated) free of charge during Free Wills Month. This regular event supports a range of leading charities. Obviously the hope is that you will include a bequest to charity in your will, but there is absolutely no obligation to do this. Free Wills Month is now up and running. If you want to take advantage and get your will written free, I recommend acting now as there are only limited spots available.
Also in March I published a guest post titled Building Your Own Home – It’s Not Just for the Super Rich! This post was written on behalf of Suffolk Building Society, who are trying to raise awareness of the self-build option in the UK. As they say in the article, they can provide mortgages to purchase land suitable for self-build projects. SBS emphasize that this option is suitable and available for ‘ordinary people’, not just the super-rich folk you see on TV shows like Grand Designs!
I also published Saving for a Rainy Day or a Stormy Breakup? The Surprising Facts About Secret Savings Accounts. This post is based on some eye-opening research from my friends at Smart Money People, which revealed (among other things) that one in ten people in a serious relationship, including marriage, civil partnerships, or cohabitation, maintain a secret savings account. Find out more in this post.
Also, from January this year I became a regular contributor to the new Over 60s Discounts website. You can read my latest article here: Who Cares for the Carers? This is about help available for unpaid carers in the UK, both financial and practical. I highly recommend registering at Over 60s Discounts, by the way – they list a growing range of discounts and bonuses for older people, including some that are unique to O60D.
One other thing is that this month I switched my Santander 123 Lite current account to a Santander Edge current account. I will try to find time to write a separate post about this soon. But briefly, my main reason was because having an Edge current account allows you to open an Edge savings account, which offers a market-leading 7% interest rate (AER) for amounts of up to £4,000 for one year (it then falls to 4.5% AER).
The Santander Edge account has slightly higher fees (£3 a month as opposed to £2) and the cashback on offer is slightly less. However, when I crunched the numbers, the value of having an Edge savings account easily outweighed this. Though I am fortunate in that I had £4,000 I could put into it immediately from another, lower-paying savings account. If I hadn’t had that, it wouldn’t have been worth switching to the Edge account.
Finally, a quick reminder that you can also follow Pounds and Sense on Facebook or Twitter/X. Twitter/X is my number one social media platform these days and I post regularly there. I share the latest news and information on financial (and other) matters, and other things that interest, amuse or concern me. So if you aren’t following my PAS account, you are definitely missing out!
That’s all for today. As always, if you have any comments or queries, feel free to leave them below. I am always delighted to hear from PAS readers
Disclaimer: I am not a qualified financial adviser and nothing in this blog post should be construed as personal financial advice. Everyone should do their own ‘due diligence’ before investing and seek professional advice if in any doubt how best to proceed. All investing carries a risk of loss.
Note also that posts may include affiliate links. If you click through and perform a qualifying transaction, I may receive a commission for introducing you. This will not affect the product or service you receive or the terms you are offered, but it does help support me in publishing PAS and paying my bills. Thank you!
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Mother’s Day is coming, so here’s a chance to make it extra special for one lucky winner!
I’ve joined forces with some of my fellow UK bloggers in this giveaway with multiple prizes. Entering the giveaway is free of charge and full instructions can be found below.
There are multiple ways to enter, and the more you do, the better your chances of winning. But note that where an entry requires following a social media account, you will need to continue following this account until the winner has been drawn on Sunday 10th March 2024 (Mother’s Day). Before the winner is announced the organisers will check that they are still following the account in question. If not, they will be disqualified and another winner drawn.
This giveaway has been organised by my fellow blogger Rowena Becker, who blogs at My Balancing Act. Please check out her blog and those of the other talented bloggers taking part (listed below). And read on for full details from Rowena of all the prizes on offer and how you could win this great prize bundle!
Welcome to the ultimate Mother’s Day Giveaway and Gift Guide! This is brought to you by a collaboration of some of the UK’s leading bloggers.
We understand that finding the perfect gift to express gratitude and love for the special women in our lives can be a daunting task. That’s why we’ve come together to curate an exceptional selection of prizes that are sure to delight any mother.
This guide not only aims to make your gift shopping easier but also adds an exciting twist with a giveaway that could win you these wonderful items.
Join us in celebrating motherhood this year by taking part in this fantastic opportunity to spoil your mum – or yourself! Show her just how much she means to you ❤
Meet the Bloggers
In order to be able to bring you this incredible giveaway, some of the UK’s top bloggers got together. A massive thank you to our bloggers! The bloggers taking part are:
Art File Jungle Animals 1000 Piece Jigsaw Puzzle from Gibsons Games
Delight in the vibrant Art File Jungle Animals 1000 Piece Jigsaw Puzzle. A tribute to the diverse beauty of our planet’s wildlife. Crafted with precision and creativity by an award-winning designer from The Art File, this puzzle captures the essence of nature’s splendour. As a joint venture between Gibsons Games and The Art File, two renowned British family businesses, this jigsaw puzzle represents their shared commitment to quality and innovation.
Each of the 1000 pieces contributes to a stunning visual experience, making it not just a puzzle but a piece of art. This makes it an excellent gift for mums who appreciate both the challenge of a jigsaw and the aesthetics of fine art. Plus, it’s part of our exciting prize bundle – a perfect blend of challenge, relaxation, and artistic appreciation.
Liquid Silk Perfect Cleansing Oil (100ml) from DJUSIE
Introducing Liquid Silk Cleansing Oil, the ultimate cleansing oil that will leave your skin feeling smooth and rejuvenated. Designed for all skin types and ages, this luxurious oil delivers a refreshing clean to both oily and dry skin, leaving it perfectly balanced and radiant. Not only is it functional. It also provides a luscious sensory experience with its effortless formula to even remove waterproof makeup.
The refreshing and uplifting scent of lime, red grapefruit, jasmine, and geranium creates a fruity and nuanced aroma that will invigorate your senses. This luxurious blend not only nourishes your skin but also has a positive impact on your mood. The application process is simple. Massage a few drops onto dry skin in circular motions to dissolve impurities and makeup. Then rinse with water. Your mum will be left with soft, supple, and glowing skin that she’ll love. We have one to giveaway to our lucky prize winner!
Pure Shea Butter (180ml) from Aviela
Next up on our pamper list is the 100% pure, highest grade unrefined Shea butter. The perfect choice of gift to show our appreciation and love for the incredible mothers or women in our lives. Packed with essential fatty acids, vitamins A and E, with natural soothing properties, the Shea butter deeply hydrates and nourishes the skin. It quickly absorbs into the skin, leaving it supple and glowing while also creating a protective barrier to prevent moisture loss. This makes it an ideal addition to any skincare routine for all skin types.
The luxurious butter, suitable for use from hair to toe, offers exceptional hydration, outstanding nourishment, and remarkable skin-softening effects for all skin types. It’s particularly effective in combating dryness and soothing irritated skin. As part of our Mother’s Day giveaway, we’re excited to offer one lucky winner the chance to experience these benefits firsthand. Don’t miss out on your opportunity to win this sumptuous treat for your skin!
TIMELESS RENEWAL BIO-RETINOL BODY OIL (100ml) from Evolve Organic Beauty
Evolve Organic Beauty’s latest addition to the age-defying product line, this divinely scented firming body oil is a treat for all skin types, including dry ones. The blend of Retinol analogue Bidens Pilosa, Hyaluronic Acid, Organic Macadamia Oil, and Apricot oils work in harmony to nourish, firm, rejuvenate and smooth your skin while also improving its elasticity and locking in hydration for a youthful glow.
Infused with the organic essential oils of Rose Geranium, Ylang Ylang and Mandarin, the timeless renewal bio-retinol body oil not only pampers your skin but also delights your senses. This Mother’s Day, consider gifting this luxurious body oil to the most important woman in your life. It’s a thoughtful gift that shows you care about her well-being and is part of our Mother’s Day prize bundle. This product is more than just skincare. It’s a chance for her to indulge in a moment of self-care, making it the perfect gift for any occasion.
Paradise Luxury Gloss (Colour: Spell) from Doll Smash Cosmetics
Presenting the Paradise Luxury Gloss from Doll Smash Cosmetics. A luxe lip enhancer that promises brilliant shine, a smooth look, and a luscious feel. This high-quality gloss is designed to elevate your lips while diminishing any imperfections. Its unique formula is far from the sticky or tacky feel of traditional lip glosses. Instead offering a soft, creamy texture that leaves your lips feeling deliciously smooth. The immediate, radiant shine it delivers makes it an instant favourite.
As part of our prize bundle, this gloss makes an excellent gift for mums who appreciate a touch of luxury in their makeup routine. It’s more than just a gloss – it’s a ticket to a pampering experience that every mum deserves.
£50 Amazon Voucher from Make Money Without A Job
Make Money Without A Job is donating a £50 Amazon Voucher to our lucky winner! Check out Make Money Without A Job if you’re looking for ways to earn extra money. Because Make Money Without A Job does exactly what it says. There are over 3,000 articles about making money from side hustles and starting your own business. Whether you want to make £100 a month or £5,000 a month there are ideas for everyone!
What’s more, there’s a free daily draw to win £10, and if it isn’t claimed, the prize rolls over. They’ve given away multiple prizes over £100 to lucky winners. Check out the draw at www.makemoneywithoutajob.com/draw
How to Enter
You can enter the Giveaway by completing as many Rafflecopter widget entry options below as you like. All entries will be collected, and one winner will be randomly chosen via Rafflecopter. Good luck!
The giveaway will run from 8 pm 3rd March 2024 to 8 pm 10th March 2024.
The winners will be notified by email from rowena@mybalancingact.co.uk
The winner will have 7 days to respond after which time we reserve the right to select an alternative winner.
This prize draw is in no way sponsored, endorsed or administered by, or associated with, Facebook, Instagram, X, YouTube, BlogLovin or Pinterest or any other social media platform.
Prize open to over 18s only. Age verification may be required to receive some prizes.
Some or all of the prizes may take a few weeks to arrive.
If any prizes are out of stock then we will do our best to find a suitable replacement but cannot guarantee it.
Anyone who unfollows before the giveaway ends or doesn’t complete the required entry action will be disqualified.
The prize is non-transferable, non-refundable and cannot be exchanged for monetary value.
We may be using a parcel service or Royal Mail for some of the prizes and their standard compensation will apply in the event of loss or damage.
Some items may be sent directly by the supplier and we do not have responsibility if these go missing and we cannot replace these.
In the unlikely event one of the companies withdraws a prize, we cannot offer an alternative.
The winner’s name will be stated on some or all of our bloggers’ websites and announced on Twitter and other social media channels. It will also be displayed on the Rafflecopter entry form. By entering this prize draw, you give your permission for this.
Please note the winner may have the same name as you so if you see your name displayed, be aware that you are not the winner unless you have been notified by us.
There may be some delays in receiving prizes.
Good luck, and I hope a Pounds and Sense reader wins this wonderful prize bundle!
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Free Wills Month brings together a group of well-respected charities to offer members of the public aged 55 and over the opportunity to have their wills written or updated free using participating solicitors across the UK. The next one begins on Friday March 1st 2024.
The charities involved include the NSPCC, Dogs Trust, Samaritans, Mind, The Stroke Association, PDSA, The National Trust, Mencap, Age UK, and many more.
The scheme covers simple wills only, including ‘mirror wills’ for couples. In the latter case, only one member of the couple has to be 55 or over. If you need a complicated will (most people don’t) you can still have this done but may have to pay a top-up fee.
I strongly believe in using a properly qualified solicitor to draw up your will. In the last few years there have been a couple of occasions when failing to do this has caused problems and delays for members of my family. An up-to-date will written by a solicitor will ensure that your wishes are respected and will avoid causing legal complications for your loved ones after you are gone.
Free Wills Month means what it says. There are no catches, although the organizers hope that you will choose to leave a donation to charity in your will. There is no obligation to do this, however.
To take part in Free Wills Month click through to the website on or after March 1st 2024. You can then pick a solicitor from the list of companies taking part and contact them to book an appointment. Appointments are limited and on a first come, first served basis, so it’s important to call as soon as possible. Once all available appointments are taken, the campaign will close. This may happen before the end of March.
Until March 1st you can enter brief details on the Free Wills Month website and will then receive an email reminder when the scheme opens.
If you have any comments or questions about this subject, as ever, please do post them below.
This is an annual update of this post.
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SBS are keen to demystify self-build and show it’s not just for wealthy people on Grand Designs!
As part of this, they recently commissioned research which highlights the misconceptions that still exist about self-build. The research was undertaken among 2,000 UK adults by Opinium on behalf of Suffolk Building Society.
Read on to discover how self-build may be more accessible than you think…
According to research from Suffolk Building Society, over two-thirds (69%) of potential self-builders do not know that some mortgage lenders will allow them to borrow to purchase land where planning permission has been granted.
Correspondingly, concern over financing a project was the number one barrier for those interested in self-build: other concerns were around seeking planning permission and difficulties in finding suitable land.
The Society believes the lack of awareness about being able to borrow for land may discourage people from considering self-build. Many incorrectly believe they either need to be sufficiently cash-rich to fund the land themselves before applying for a self-build mortgage, or be gifted a plot from land-owning family members.
Suffolk Building Society is aiming to normalize self-build and, in doing so, wants more people to know that self-build is a viable option for those with modest budgets. Its recent research found that over half (54%) of those who are considering a self-build at some point in the future believe that self-build is still reserved only for the very wealthy.
Richard Norrington, Chief Executive at Suffolk Building Society said: “Self-build television series undoubtedly make for great viewing, but they do set the bar remarkably high. One could easily assume that self-build is only for those with unlimited time and deep pockets.
“Self-build is considered a fairly standard route to home ownership in countries such as Hungary, France, and Sweden, and with better education and awareness, self-build could become more mainstream here in the UK too.”
Who Is Considering Self Build and Why?
The cost of living crisis has not significantly dampened people’s appetite for self-build: a third of people are still considering self-build, which is only a small decrease from 35% last time this survey was undertaken in July 2020.
The propensity to consider a self-build decreases with age: younger people in their 20s (60%) and 30s (56%) are significantly more interested than those in their 50s (16%) and 60s (7%), dispelling the myth that self-build is a project for retirement.
Of those considering self-build, 31% would prefer to go for a completely new build, 27% said they would opt for a knockdown/rebuild project, and 21% said they would undertake a major renovation to an existing property.
The main motivation cited by over a quarter (28%) was the ability to design the layout of their own home, but this is a significant drop from 51% in 2020. There was a broader range of reasons evident in this year’s research, including self-build being a more affordable way of creating an ideal home (15%) and having a home in the right location (12%). One in ten (9%) of those considering a self-build are doing so to create a home suitable for multiple generations under one roof.
Over four in five (83%) want to make eco-friendly decisions about their future property. However, of these, seven in ten would only prioritize this if it was within their budget. This is, of course, reflective of the current economic environment.
Self Build Register Awareness
The Self-build and Custom Housebuilding Act 2015 requires each relevant local authority to keep a register of individuals who are seeking to acquire serviced plots of land in the authority’s area for their self-build project.
Data published on 31 March 2023 showed a decline in individuals joining the Self Build Registers, which tallies with the research from Suffolk Building Society:
Only one in five potential self-builders (21%) are signed up to the Self Build Register and 41% of those considering self-build had not even heard of the Self Build Register.
Richard Norrington said: “The National Custom and Self Build Association campaigned diligently for the Self Build Registers in a bid to facilitate a greater number of self-build homes. But so far, this has not been realized. The Registers need promoting alongside resources that help people understand all that a self-build entails as, despite the current economic uncertainty, there is clearly still an appetite for self-build.
“As a country, we need to normalize self-build, encouraging regular people to build good homes, thus helping to reduce the housing shortage in the process and improving the collective carbon footprint of our housing stock.
“There are undoubtedly more hurdles in this process than in a standard house purchase – particularly at the moment with high labour and material costs. However, being able to design a property that meets your needs both in terms of function and aesthetics is hugely rewarding. We would like more people to know that some lenders are ready and willing to lend on land as well as for the build itself; and secondly, that self-build is more accessible than they might have previously thought.”
Many thanks to Suffolk Building Society for allowing me to reproduce their research – and comments about it – here.
If you would like more info about self-build mortgages from SBS, you can visit the relevant page of their website via this link. SBS say that although 80% of their members are in the east of England, the rest live across the UK.
As always, if you have any comments or questions about this article, please do leave them below.
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For many of us 2023 was another difficult year. While the pandemic receded, we now face a cost-of-living crisis driven especially by rising gas and electricity costs.
With the festive season behind us now and the worst months of the winter still (probably) to come, many of us are understandably desperate for something to look forward to in the year ahead.
Some will be planning to go abroad, perhaps for the first time since the pandemic. But others may be deterred by the cost of going overseas and the additional hassles it may (still) entail.
So today I thought I’d share links to my blog posts about some UK holiday destinations I’ve visited in the last few years, in case you wish to consider them for short breaks – or longer – in the year ahead. Clicking on any of the links below will open my post about the place concerned in a new tab, so you won’t have to keep clicking the Back button to return here.
Llandudno in North Wales is somewhere I have been visiting regularly for over ten years now. It’s a traditional British seaside resort with a long pier, Punch and Judy show, sweeping promenade, and plenty more (you can see the stunning Victorian seafront in the cover image). It’s very popular with both older people and young families. As well as my main review, my October 2020 Coronavirus Crisis Experience Update includes details of a short break I enjoyed there just before the Welsh government imposed another lockdown 😮
Minehead is a North Somerset coastal town. I enjoyed a short break there in 2020 as well, at a time when lockdown rules were relaxed. It was my first visit to Minehead and I particularly enjoyed visiting the National Trust property Dunster Castle, which is just a couple of miles down the road. Sadly the West Somerset Railway which starts (or ends) in Minehead was closed due to the pandemic when I went, but I’d love to go back for a trip on this heritage steam railway sometime in the future.
Aberystwyth is in mid-Wales on the Cardigan Bay coast. I have visited it three times now, the first two staying at the Marine Hotel and the most recent at a self-catering apartment called Sea Brin. Aberystwyth is quieter and less commercialized than Llandudno (mentioned above), and the fact it’s a university town means it has quite a cosmopolitan feeling. It’s a good place to chill out, but there are plenty of interesting things to see and do as well.
I visited Aberdovey for the first time in April 2023. It’s a small town on the mid-Wales coast. It’s about ten miles north of Aberystwyth and five miles south of Tywyn, the home of the Talyllyn Railway (see below). It’s a charming, laid-back place, perfect for a relaxing short break. It has a beautiful beach (with watersports for those who want them) and some great cafes and restaurants. I wouldn’t go there for the night-life, though – even the chip shop closes at 8 pm!
I had a particular reason to visit Hewenden MIll Cottages, as my sister Liz and her family live just a couple of miles down the road in Wilsden. Even if I didn’t have family connections, though, I would definitely recommend them for a short break. The accommodation consists of a converted mill and a number of former workers’ cottages, all in a beautiful woodland setting. The apartments and cottages are spacious and well equipped. From here you can visit Haworth – home of the Bronte sisters – and the Victorian model village of Saltaire. The area is also great for walking and cycling.
I went back to Hewenden Mill in October 2021 for a family reunion. I stayed in a cottage on the main site (picture below). I went for a long weekend but ended up staying almost a week. This was from necessity rather than choice, as the petrol crisis struck and I was unable to buy fuel to get home. The management at Hewenden were wonderful, though, and said I could stay on as long as I needed for no further charge. I therefore recommend them even more highly now!
The Aberdunant Hall Holiday Park and Hotel (to give it its full name) is about four miles from the North Wales coastal town of Porthmadog You can stay in the hotel itself (which is quite compact) or in accommodation around the park. I stayed in what they call a Forest Pod, which is roughly the equivalent of half a caravan. It was okay for a short break but if you went as a couple the cramped conditions could put a strain on your relationship! If I went again I would book a room in the hotel or maybe one of the Woodland Escape Suites in the park. I still enjoyed my stay there, and found the location convenient for visiting a range of places including Portmeirion (where the sixties TV series The Prisoner was filmed) and the Ffestiniog Railway, which runs from Porthmadog to Baenau Ffestiniog. It’s also on the edge of Snowdonia, with lots of opportunities for walking and mountain climbing.
Lake Vyrnwy is a few miles over the border from Shropshire into Wales. I went there in 2019 after watching a TV show about the history of this artificial lake, which was originally created to provide a water supply for the people of Liverpool in the 19th century (it’s now naturalised and if you weren’t aware of its history you wouldn’t know it was man-made). I stayed at the Lake Vyrnwy Hotel and Spa, which is near the dam at the western end of the lake. This was originally built to accommodate senior managers and engineers on the construction project, though it has of course been extended and modernised many times since. If you want to visit Lake Vyrnwy, it’s the best (possibly the only) option. I happened to choose a bitterly cold weekend just before Easter for my visit, which spoiled it a bit. Still, I enjoyed the beautiful scenery and some great walks. It’s probably not a place to take children, however, as there might not be enough for them to do.
The Talyllyn Railway (also mentioned under Aberdovey) is a heritage steam railway in Wales. It starts in the town of Tywyn in mid-Wales, so in October 2018 I booked a short break there. To be honest there isn’t a great deal else to do in Tywyn, but it makes a good base for a day on the railway. And the railway itself takes you through some stunningly beautiful countryside. If you buy one of their very reasonably priced Day Rover tickets, you can get on and off at any station along the route. I highly recommend an hour or two at Dolgoch, which has some great walks and lovely waterfalls.
Warner Leisure Hotels have 16 country and coastal resort hotels across England and Wales. They have a strict adults-only policy, and appeal mainly to an older clientele (based on my experience, the average age is around seventy). As well as accommodation they offer a variety of leisure activities, including day trips, quizzes, guided walks, archery and bowls, social dancing, swimming, and so on. Most of these activities are included in the price, as is the evening entertainment. I have stayed at Bodelwyddan Castle in North Wales and Alvaston Hall in Cheshire. Some aspects I liked, others I wasn’t so keen on, as you can read in my review. You can also see their latest offers by clicking on the banner ad below [affiliate].
About four years ago I took a short break in the English Lake District. I stayed at the Waterhead Hotel, just south of Ambleside, at the north end of Lake Windermere (England’s largest lake). The hotel is located literally a few yards from the lake (hence the name, of course). If you haven’t visited the Lake District before, the area should definitely be on your ‘To Do’ list. There are many miles of beautiful countryside to explore, along with attractions such as Beatrix Potter’s house and Wray Castle. And, of course, you must buy a day ticket for the Windermere lake steamers. You can travel the length of the lake in style on these vessels, while sipping a hot chocolate (or something stronger) and listening to commentary on the scenery passing alongside. Highly recommended 🙂
I visited the Isle of Man for the first time in April 2024, staying in the island capital Douglas. I went on a heritage-railway-themed break offered by Newmarket Holidays. So naturally I had trips on the Isle of Man Steam Railway and also the Manx Electric Railway. The latter takes you from Douglas to Laxey and onward to Ramsey. Laxey is the home of the iconic Lady Isabella waterwheel, the largest working waterwheel in the world. The IOM is about the same latitude as Liverpool so obviously the weather can be variable, but I was lucky enough to get wall-to-wall sunshine during my stay. I flew to the island from Birmingham Airport which took about 45 minutes, but you can also get a ferry from Heysham or Liverpool. The Isle of Man is charming and verdant, and largely unspoiled. Definitely worth considering if you’re looking for something a little bit different for a short (or longer) holiday.
I visited Lanbedrog for the first time in July 2021. It’s a village on the Llyn (or Lleyn) Peninsula in NW Wales. I stayed at an Airbnb property, the first time I had done this (Llanbedrog doesn’t have any hotels as far as I know). It’s by the coast, roughly half way between Pwllheli (famed for its Butlins camp, now run by Haven Holidays) and trendy Abersoch. It has a beautiful sandy beach which would be perfect for families with young children (or grandchildren). I very much enjoyed my three-night stay and found it a perfect place to relax and chill out after months of lockdown. The National Trust mansion (and garden) Plas yn Rhiw is about seven miles away.
I stayed in Criccieth in North Wales for the first time in June 2022, although I have visited the town in the past. It is a lovely place to relax and chill out. It has excellent road and rail connections, and there are also some high-quality tourist attractions nearby, including Portmeirion and the Ffestiniog Railway. Criccieth itself is best known for its castle which dominates the town. Although it’s a ruin, many of the walls are still standing and you can enjoy some amazing views across the bay, as far as Harlech Castle and beyond.
I visited Lavenham in Suffolk for the first time in August 2022. It is said to be England’s best-preserved medieval town, with over 300 listed, timber-framed houses. There are various historic buildings such as the Guildhall and Little Hall you can look around. Lavenham also boasts a variety of highly rated pubs and restaurants, and some lovely tea rooms and coffee houses as well! 🍮
Barmouth is a traditional Welsh seaside resort about ten miles south of Harlech. I visited in September 2022, staying at an elegant Victorian Gothic hotel called Tyr Graig Castle. Barmouth has a clean, attractive promenade and beautiful sandy beach which goes out a long way. There is plenty to do for families, including a funfair and amusement arcades. There are various restaurants and fast food outlets along the seafront. There is also a railway station with regular trains to Pwllheli in one direction and Aberystwyth and beyond in the other. Nearby attractions include Harlech Castle, Portmeirion and the Fairbourne miniature steam railway 🚂
I visited the historic city of Bath in June 2023. There is lots to see and do, although top of many people’s lists will be the stunning Roman Baths. Bath Abbey is well worth a look too, and you can admire the beautiful Georgian architecture around the city for free! Read my top tips for anyone visiting Bath in this post, including the excellent self-catering accommodation I stayed at.
Other Resources
Here are links to a few other blog posts that may be of interest if you are planning a UK holiday this year…
In recent years Airbnb has become increasingly popular for self-catering holidays. You can book anything from a spare room in someone’s home to a whole house or apartment. My recent short breaks in Lavenham and Llanbedrog (see list above) were in Airbnb properties. You can read all about the booking process in my post.
Finding a cashpoint in an unfamiliar town (or village) can be challenging, so you might find this free app a useful resource to download. It has helped me avoid embarrassment on several occasions.
If your thoughts are turning further afield, you may be considering a cruise holiday as an option. Even if you can’t go abroad, I can testify from personal experience that a cruise of the British Isles (like these, perhaps) can be very enjoyable and enlightening. My blog post sets out a range of tips and advice that will be particularly relevant for first-time and solo cruisers.
Finally, coach holidays are another very popular option among older people especially. I don’t have much experience of this myself, but my friends at Over 60s Discounts have a great article about coach holidays for over-60s in the UK. This includes a list of popular UK destinations and details of several companies offering low-cost coach holidays.
Closing Thoughts
I hope you have enjoyed reading this post and it has given you a few ideas for UK vacations (I refuse to call them ‘staycations’, as in my view that means staying at home for a holiday, and we’ve all had enough of that!).
Obviously I am a 60-something male and nowadays usually travel on my own. So if your circumstances are different from mine, I understand that some of the destinations mentioned above might not hold as much appeal. In addition, I live in Staffordshire, so the places I go are all reasonably accessible from there.
Finally – as I noticed when reading back my list – I do have a bit of a penchant for places with heritage steam railways nearby, so please bear that in mind as well 😀
Of course, I’d love to hear your views about any of the destinations mentioned, or any other places in the UK you would recommend for a short break or longer holiday. Please leave any comments or questions below as usual.
Note: This is a fully revised update of a post originally published in February 2021.
Christmas is coming, so here’s a chance to make it extra special for one lucky winner! I’ve joined forces with some of my fellow UK bloggers in this festive giveaway with prizes valued at over£700 in total.
Entering the giveaway is free of charge and full instructions can be found below. There are multiple ways to enter, and the more you do, the better your chances of winning.
But note that where an entry requires following a social media account, you will need to continue following this account until the winner has been drawn on 19 December 2023. Before the winner is announced the organisers will check that they are still following the account in question. If not, they will be disqualified and another winner drawn.
This giveaway has been organised by my fellow blogger Rowena Becker, who blogs at My Balancing Act. Please check out her blog and those of the other talented bloggers taking part (listed below). And read on for full details from Rowena of all the prizes on offer and how you could win this mammoth bundle!
The Great Bloggers Holiday Giveaway and Gift Guide
We are back for another Christmas Holiday Giveaway and Gift Guide! Some of the UK’s top bloggers have united to bring you the most incredible holiday bundle of prizes.
Last year’s giveaway proved to be very popular and this year is just as exciting, with so many prizes for one lucky winner to make their family’s Christmas dreams come true. In fact, we have hundreds of pounds worth of holiday goodies and gifts!
The Bloggers
In order to be able to bring you this incredible giveaway, some of the UK’s top bloggers got together and contributed. A massive thank-you to them all! The bloggers taking part are:
Lenovo ThinkPad X13 Gen 1 i5-10210U [Quad] 1.60GHz 13.3″ FHD IPS TOUCH HDMI USB-C 16GB DDR4 256GB NVMe from Tier1
You have a chance to win the powerful Lenovo ThinkPad X13 Gen 1, featuring an i5-10210U [Quad] 1.60GHz processor, a stunning 13.3″ FHD IPS TOUCH screen, HDMI and USB-C ports, a whopping 16GB DDR4 RAM, and a speedy 256GB NVMe storage. This premium laptop is all you need for your work or play!
This prize is brought to you by Tier1, your destination for affordable and eco-friendly tech gifts. Why are Tier1 gifts perfect for Christmas? It’s simple – they’re good for your pocket and good for our planet. With Tier1, you get top-notch tech without breaking the bank, contributing to a more sustainable future. Their products are professionally refurbished, assuring quality and reliability while reducing electronic waste. So if you thought you couldn’t afford to buy tech gifts for your loved ones, head on over to Tier1 for affordable gifts with the wow factor to make your holidays bright and green!
Hairy Biker’s Family-Sized Soup Maker
Get ready for a festive feast with our Christmas Giveaway! Enter now for a chance to win the Hairy Biker’s 1.6L Family Sized Soup Maker with Integrated Scales. This 1000W powerhouse is all you need to whip up delicious, heartwarming soups this holiday season.
Why is this soup maker a must-have in your kitchen? It’s not just about the delicious soups you can create. It’s also about saving time and money. With its integrated scales, you can easily measure ingredients directly into the soup maker – no need for extra dishes. Plus, it cooks up soups quickly and efficiently, giving you more time to enjoy with your loved ones. But that’s not all. Making homemade soup means you control what goes in, helping you avoid the high salt and sugar content often found in canned soups. You can use up leftovers, reducing waste and saving money.
So don’t miss out on this opportunity to make your Christmas cooking easier and healthier. Enter our Christmas Giveaway today and bring home the Hairy Biker’s 1.6L Family Sized Soup Maker as part of your prize!
Life Coaching Sessions Worth £200!
Start the New Year on a high with two life coaching sessions from Lauren Jane Coaching. Lauren helps women invest in themselves, find clarity and balance in their lives, and be at ease with themselves at home and in their careers. She coaches from the inside and allows her clients the space to get truly honest with themselves, helping them to hit the pause button, get more clarity in their lives, move forward with purpose – and feel really good about it! What better way to start 2024?!
Being stressed out, overwhelmed, out of balance, anxious or stuck in any area of your personal, business, or career world can make life feel like hard work, especially following the busy holiday season! Lauren is offering two free sessions to help our winner build on their inner belief, confidence and sense of self-worth until they shift and tune into a new perspective for themselves and their life.
Liiton The Peaks Whiskey Glasses
When you join our special Christmas Giveaway, you will have a chance to win an elegant Set of 4 Liiton The Peaks Whiskey Glasses. This is an incredible gift that’s perfect for the festive season.
The Peaks Whiskey Glasses Set is a dream come true for any whiskey lover. Each glass is crafted using X1 Crystalline and features a true precision glass sculpture of iconic mountains Denali, Mont Blanc, K2 and Mt. Fuji. Weighing in at 1lb each, the glasses have the Patented Chill-Charge System™ which chills down your drink in just 18 seconds. They not only look stunning, but if you swirl the spirits gently around the faces of the Peaks, you will unlock the beautiful whiskey aromas.
This set of 4 glasses ensures you’re always ready to share a toast with friends or family during the holiday season. Made from high-quality materials, these glasses are durable and beautifully crafted, making them a standout addition to any home bar or drinkware collection.
FinaMill
Join our exciting Christmas Giveaway and stand a chance to win a FinaMill! This unique gift is an excellent addition to any kitchen, especially during the festive season.
A FinaMill is more than just a kitchen tool. It’s a game-changer for any home cook or chef. With a Sleek, minimalist design, this mill effortlessly grinds spices and herbs at just a touch of a button, releasing their full flavour and aroma right when you need them. Whether you’re preparing a holiday feast or baking Christmas cookies, this Finamill can help elevate your dishes, making every meal more memorable. Plus, its stylish design adds a touch of sophistication to your kitchen decor.
Don’t miss out on the opportunity to enhance your cooking experience this Christmas. Enter our giveaway now for a chance to win this Finamill in Stone along with other amazing prizes!
Rectangle 3-D Crystal Photo Gift from Forever-Always
Get into the festive spirit with our Christmas Giveaway and stand a chance to win a truly unique gift – the Rectangle 3-D Crystal Photo Gift from Forever-Always in size medium (9cm W x 6cm H x 6cm). This is a special present that’s perfect for capturing cherished memories.
The Rectangle 3-D Crystal Photo Gift is a stunning piece of personalised decor. Your chosen photo is created into a beautiful 3-D image that seems to float inside. It’s a wonderful way to immortalise a precious moment or loved one, making it an exceptionally thoughtful gift. Whether it’s a picture of a family gathering, a beloved pet, or a memorable holiday, this crystal photo gift brings your memories to life in an artistic and beautiful way. Displayed on a mantelpiece, bookshelf, or desk, it adds a touch of elegance and personal touch to any space.
Opinel Folding Saw
As part of our giveaway, we’ve got a prize from Opinel that will delight any outdoor enthusiast. The Opinel Folding Saw is an essential tool for every nature lover. Whether you need to cut firewood for a cosy campfire or prune branches for a clearer path during your forest adventures, this folding saw is your perfect companion. Crafted with Opinel’s signature commitment to quality, it offers durability, precision, and ease of use that makes it stand out in its category.
This Christmas, one lucky winner will have the chance to claim this fantastic tool as their own. So why wait? Enter our Christmas Giveaway now and make this festive season truly unforgettable. With the Opinel Folding Saw, you’ll be fully equipped for your next outdoor adventure. Let the festivities begin!
Graco’s FoldLite LX
As part of our festive Christmas Giveaway, you have a chance to win the perfect item for families on the go – the Graco FoldLite™ LX travel cot.
This travel cot with basinet is perfect for those with little ones, from birth to approx. 3 years (max. 15kg) and the Bassinet from birth to approx. 6 months (max. 9kg).Graco’s FoldLite LX travel cot offers a comfy space for your baby to sleep or play, no matter where your adventures take you. Lightweight and easily foldable, it’s designed for maximum portability for when you are away from home.
Don’t miss this opportunity to win a gift that brings convenience and comfort to the little ones. Enter our Christmas Giveaway now for a chance to win Graco’s FoldLite LX travel cot, among other fantastic prizes!
French Navy Patent Chelsea Boot from Start-Rite
Start-Rite is a British heritage brand that specialises in children’s footwear that enables healthy development whilst creating stylish designs that appeal to parents and children. The French Navy patent Chelsea boot is no exception, and it’s the perfect footwear for your kids over the holiday season.
Whatever the adventure, this stylish boot from Start-Rite will carry little feet through any day in comfort. The inside zip fastening is useful for getting boots on and off quickly and with ease, and the durable sole is ready for any adventure. Crafted in elegant French navy patent with check elastic, the Chelsea French navy patent boots will make any outfit complete. Our winner can choose the size and receive this as part of their prize!
Learning Resources Brainbolt® Genius
Get ready to supercharge your memory this holiday season with our Christmas Giveaway! This year, we’re excited to include the Learning Resources Brainbolt® Genius in our prize bundle. Brainbolt® Genius is a mind-challenging game that tests your memory skills to the max. It lights up different sequences, and your job is to remember and replicate them.
It’s a fun and exciting way to keep your brain active and sharp. Whether you’re playing alone or with friends and family, Brainbolt® Genius keeps the competition lively and the fun rolling. It’s compact and portable, perfect for on-the-go entertainment during holiday travels. So why not give your memory a festive boost? Enter our Christmas Giveaway now and stand a chance to win the Brainbolt® Genius, along with other fantastic prizes. It’s the perfect gift for keeping minds active and engaged over the holiday season!
SAVEUR Selects® Artisan Non-Stick Loaf Pan
Get ready to add a dash of elegance and convenience to your holiday baking with our exciting Christmas Giveaway! This festive season, you stand a chance to win the exquisite SAVEUR Selects® Artisan Non-Stick Loaf Pan – 10″ as part of the prize bundle. This isn’t just a baking essential, it’s a gift that promises to make your kitchen experiences more delightful and your festive goodies more delicious.
The SAVEUR Selects® Artisan Non-Stick Loaf Pan is a coveted item for any home baker. It’s not just a baking tool; it’s a craft of art and functionality combined. This pan, crafted from high-quality, durable materials, boasts a non-stick surface that means your baked loaves slide out perfectly every single time. No more worries about your bread sticking or crumbling!
Whether you’re planning to bake a traditional Christmas fruitcake filled with rich, dried fruits and nuts, a moist and luscious banana bread, or perhaps you’re in the mood to experiment with some new, creative recipes, this loaf pan is your perfect partner. Its generous 10-inch size ensures you can create substantial loaves to share and spread the festive cheer among family and friends.
So why wait? Enter our Christmas Giveaway now for a chance to win this premium Loaf Pan, along with other fantastic prizes! This could be the perfect opportunity to elevate your baking game this festive season. Let the aroma of freshly baked loaves fill your home and hearts this Christmas.
Little Brian’s Paint Sticks Christmas Window Kit
Light up your holiday season with our Christmas Giveaway! This year, we’re thrilled to include Little Brian’s Paint Sticks Christmas Window Kit in our prize bundle. This fantastic kit lets your little ones bring the magic of Christmas right into your home. It includes a range of vibrant, mess-free paint sticks and stencils that make it easy for kids to create festive window decorations. Whether it’s snowflakes, reindeer, or Santa himself, your kids can paint their favourite Christmas motifs directly onto the windows.
The paint sticks are incredibly easy to use and dry quickly, leaving no mess behind. So why not add a dash of creativity to your Christmas celebrations? Enter our Christmas giveaway now for a chance to win the Little Brian’s Paint Sticks Christmas Window Kit [affiliate], along with other exciting prizes. Unleash your child’s artistic talent and fill your home with festive cheer this holiday season!
EUGY Christmas Elf
We’re thrilled to announce that a charming EUGY Christmas Elf is part of our prize bundle. This delightful elf, brought to life by EUGY, is more than just a cute decoration. It’s a symbol of EUGY’s commitment to protecting the planet. Made from recyclable card and printed with natural eco-friendly ink, this little elf is as green as it is adorable. What’s more, it’s assembled with non-toxic glue, making it safe for kids and adults alike. It’s a fun, creative, and sustainable way to add a touch of magic to your holiday celebrations.
So why wait? Enter our Christmas giveaway now for a chance to bring home this eco-friendly EUGY Christmas Elf [affiliate] along with other exciting prizes.
Elf Toy from Elf for Christmas
We’re excited to announce that a delightful Elf Toy from Elf for Christmas is part of our prize bundle.
But here’s the best part – the winner gets to choose their very own elf! These charming elves are not just toys but a wonderful addition to your family’s Christmas celebrations, bringing joy, wonder, and a touch of elfin magic to your home.
So don’t miss out – enter our Christmas Giveaway now for a chance to welcome a new elf friend into your home this holiday season!
Gold Star Costume ‘Shining Light in the Night’
We’re thrilled to include Pretend to Bee’s enchanting Gold Star Costume ‘Shining Light in the Night’ in our prize bundle.
This twinkling costume is perfect for your little star to shine bright during the festive season. It’s more than just a costume; it’s a ticket to a world of imagination where your child can become a shining beacon.
Don’t miss this chance to make your child’s Christmas extra special. Enter our Christmas Giveaway now for a chance to win this magical Gold Star Costume along with other fantastic prizes. Let’s light up this Christmas with joy and imagination!
Family First Aid Kit from LittleLife
The Family First Aid Kit from LittleLife is your must-have companion and proudly a Silver award winner, voted for parents as Best Travel Product for Under £30, in the prestigious Mother & Baby Awards 2024. Whether at home or away, this compact kit ensures peace of mind for you and your loved ones. With everything from Sudocrem, scissors, and tweezers to bandages, dressings, and antiseptic wipes, it’s the ultimate solution for any minor accidents. The Family First Aid Kit is great to take with you for any days out or travelling you do over the holiday season and we have one to give away as part of our prize bundle.
Every Piece of You Puzzle from Gibson Games
The Gibson Games Puzzle, “Every Piece of You,’’ is a captivating 1000-piece jigsaw puzzle that reminds us to celebrate the weird and wonderful pieces of ourselves in a fun and colourful style. Created by Katie Abey, this is not your ordinary jigsaw puzzle.The illustrations of the puzzle represent real people and their stories. Made from 100% recycled puzzle board and with vegetable based inks, this is the perfect gift for any jigsaw lover.
Play-Doh Air Clay Super Colour Bucket
The Play-Doh Air Clay Super Colour Bucket is a fun and colourful part of our Christmas Prize Bundle. Packed with 15 vibrant colours, ten cutter moulds, two handy tools, and an inspirational sculpting guide, it’s perfect for unleashing your kid’s creativity with modelling clay this festive season!
How to Enter:
You can enter the Giveaway by completing as many Rafflecopter widget entry options below as you like. All entries will be collected, and one winner will be randomly chosen via Rafflecopter. Good luck!
The giveaway will run from 7 pm 9th December 2023 to 11.59 pm 19th December 2023.
The winners will be notified by email from rowena@mybalancingact.co.uk
The winner will have 7 days to respond, after which time we reserve the right to select an alternative winner.
This prize draw is in no way sponsored, endorsed or administered by, or associated with, Facebook, Instagram, X, YouTube, BlogLovin or Pinterest or any other social media platform.
Prize open to over 18s only. Age verification may be required to receive some prizes.
Some or all of the prizes may arrive after Christmas and may take a few weeks to arrive. We will do our best to get them to you before Christmas but this is not guaranteed.
If any prizes are out of stock then we will do our best to find a suitable replacement but cannot guarantee it.
Anyone who unfollows before the giveaway ends or doesn’t complete the required entry action will be disqualified.
The prize is non-transferable, non-refundable and cannot be exchanged for monetary value.
We may be using a parcel service or Royal Mail for some of the prizes and their standard compensation will apply in the event of loss or damage.
Some items may be sent directly by the supplier and we do not have responsibility if these go missing and we cannot replace these. In the unlikely event that one of the companies withdraws a prize, we cannot offer an alternative.
The winner’s name will be stated on some or all of our bloggers’ websites and announced on Twitter and other social media channels. It will also be displayed on the Rafflecopter entry form. By entering this prize draw, you give your permission for this.
Please note the winner may have the same name as you so if you see your name displayed, be aware that you are not the winner unless you have been notified by us.
There may be some delays in receiving prizes.
Good luck, and I hope a Pounds and Sense reader wins this fabulous prize bundle!
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I also published several posts on Pounds and Sense in February. I won’t bother mentioning those that are no longer relevant now, but the others are listed below.
