What to Put On Your Christmas Wishlist 2019

what to ask for for christmas 2019

One of the most fun (and equally the most stressful) parts of Christmas is shopping for presents. However, people are often so busy figuring out what to buy for everyone else that they forget to think about what they actually want. Wishlists might seem presumptuous, old-fashioned, or even childish, but creating a wishlist is a great way to help people out if they’re struggling to find a gift for you. Even if people don’t get you the exact items on your list, it will give them an idea of the kind of things you’d like. This will help to avoid unpleasant surprises or the awkwardness of asking for a receipt.

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How Will Your Passport Change After No Deal Brexit

blue passport no deal brexit

If you’re wondering how your passport will change if the UK leaves the EU with no deal, you can find out all you need to know with the handy guide below.

Most people know about the colour change from burgundy back to blue, this is to strip the passport of their ties to the European Union and to make the passports identifiable as British passports.

The colour change is of course not the only changes that will affect you and your travel after no-deal Brexit. The Government is recommending that when the UK leaves the EU if you have less than 6 months from the date you arrive in your desired destination that you renew your passport before travelling. This recommendation is due to the possibility that EU countries may deny you access to the country if you have less than 1 year left on your passport.

In the case of no-deal Brexit, British citizens will be classed as a ‘Third Party’ national and therefore you will be required to comply with different rules and regulations, this includes your freedom of travel and requiring a visa to visit certain EU countries as well as how much time you will need to have left on your passport.

If you would like to drive whilst on holiday in the EU after no-deal Brexit you will need to apply for an international driving permit from the post office or the passport office before travelling abroad, this is because no-deal Brexit will mean the UK driving licences will not be valid by themselves in some EU countries.

If you have any inquiries regarding the changes to your passport and travel rights after no-deal Brexit you can call the Passport Office inquiries and customer services department by dialling 0300 222 0000. The customer services team will be able to answer any unanswered questions as well as inform you of whether you need to renew your passport.

How To Top Up Your National Insurance Contributions

If you’re nearing pension age, are self-employed or worried about your National Insurance contributions and are thinking of paying to top-up to ensure you’re eligible for state pension as well as make you eligible for certain benefits you can find out how by reading the guide below.

Why you may need to top up your National Insurance contributions

If you have gaps in your National Insurance record you may be denied state pension and certain benefits. You may have gaps in your record if you were unemployed and not claiming benefits, you were employed but on a low wage, you were living abroad at the time or you were self-employed but not paying because of small profits at the time.

How to top up National Insurance contributions

You will need to find out if you need to make Class 2 or 3 Voluntary Contributions. You can find out online or by calling the number that is listed below. You have the ability to pay the contributions you’ve missed from the past 6 years and the cut off date each year is the 5th of April.  You will need to fill out the appropriate form which can be sent to your home and then send it back to the National Insurance head office. You will be able to pay the contributions via direct debit, cheque or cash. You can also pay your contributions by calling the number listed below.

National Insurance contributions contact number

If you have some inquiries or issues regarding a top-up of your National Insurance contributions you can call the National Insurance contributions contact number on 0300 200 3500. You can call if you would like to top-up your contributions, you would like to inquire about whether you need to top-up your contributions, you would like to find out the benefits of making a top-up of your contributions, you would like to find how much you need to top-up or if you have any other issues or inquiries you would like to inquire about.

Supermarket Store Cards – Where to Get The Best Deals

supermarket store card best deals

If you’re looking to sign up for a store card but you’re unsure which card can offer the best deals for your spending in-store or online, we have compiled a list of the best store cards to help you grab the best deals.

Sainsbury’s Nectar Card

The Sainsbury’s Nectar Card is a great store card as it not only allows you to earn points when shopping with Sainsbury’s but also other partner shops such as Asos, eBay, Esso, DHL, Argos, Pizza Hut, Virgin Media, Debenhams, Just Eat, Apple, Sky, Next, Groupon and more. When shopping in Sainsbury’s online, in-store, at their pump and using their bank services. You can redeem your points not only in Sainsbury’s but also in several other stores including Vue Cinemas, Caffe Nero and Pizza Hut.

Tesco Clubcard

The Tesco Clubcard allows you to earn points when spending money in Tesco on food, fuel, fashion and more in-store or online. 150 Clubcard points turn into £1.50 vouchers. You will also have access to reward partners which means you can triple the value of your points by redeeming them through a reward partner. You can also track your points on the Tesco Clubcard app as well as redeem your vouchers to use online or in-store.

Co-Op Membership

The Co-Op Membership allows you to gain 5% back on purchases of certain products from Co-Op. You can receive exclusive prices from Co-Op stores, their insurance services, the Funeralcare services, the legal services and more. This store card also give back to local causes in your community that needs financial help. You need to pay £1 to sign up for the membership and this means you will have a share in the company, a share in the company profits as well as a right to vote on company decisions.

Morrisons More Card

With the Morrisons More Card you can receive 5 points for every £1 you spend as well as 5 points for every 1 litre of fuel you purchase and extra points on certain products. You can receive a £5 voucher for every 5,000 points you earn. You can also keep track of your points and your vouchers using the website and logging into the app.

Iceland Bonus Card

The Iceland Bonus Card is a little different to other store cards, you use the card to save money in-store or online and you can then use the money you have deposited onto the card in-store or online to purchase items. You will also receive £1 for every £20 you save, you can shop online or in-store with free delivery and you will have access to exclusive bonuses and offers with the card that you will be sent information about via email.

Outfit Card – Apply, Pay, and Cancel

0345 121 4518

Outfit is a fashion store bringing the high street to out-of-town places like retail parks. It brings several Arcadia Group fashion brands under one roof. You can shop at Topshop, Topman, Miss Selfridge, Dorothy Perkins, Wallis, Burton, and Evans all in one place. There are currently 70 of these stores in the UK. If you shop at several of these brands, you could apply for an Outfit Mastercard. This credit card offers loyalty points and exclusive promotions.

Apply for Outfit Card

You must meet certain conditions to qualify for an Outfit credit card, like:

  • being at least 18 years old
  • being a permanent resident in the UK
  • having a current UK bank account and phone number
  • having a regular source of income
  • not having an Outfit credit card already

If you meet all these basic requirements, then you could be eligible for the card, subject to a credit history check. It will take around 10 to 15 minutes to apply online for the Outfit Mastercard. They should give you a decision right away in most cases. If they decline your application, you should wait up to 3 months before trying to apply again. If they accept, you should receive your new card within 5 days of signing the contract. Call to activate it before use.

Outfit Card Payment

You must make at least the minimum repayment each month on your credit card. This amount should be the total of any interest and arrears plus 1% of your outstanding balance. You can pay back more if you wish to pay off the balance faster. Missing a payment will incur a late fee of £12, and the longer it takes you to repay the card, the more interest they will be charging you. If you want to change your monthly payment date for your Outfit card, contact them to do this. They will allow it up to 3 times in a year. You can make your repayments and keep track of your account online. Remember that you have to quote your 16-digit account number when you are making a payment. Let Outfit Card Services know if you are unable to pay due to financial difficulty.

Cancel Outfit Card

Once you sign the Outfit credit card agreement, you will then have 14 days to withdraw if you change your mind. You will have 30 days from then to repay any outstanding balance and interest before Outfit closes the credit account. If you need to cancel your Outfit card because it is lost or stolen, contact the Outfit Card Services team. They will block your credit card and issue a new one for you. You should immediately report it if you notice any fraudulent activity on your card account. If you decide at any point that you no longer want the Outfit Mastercard, let them know in writing. They will contact you back to notify you of how much you need to repay to them and the date that you must do so by. You can’t re-open a closed account but you can re-apply.

Outfit Credit Card Contact Details

Contact Outfit Credit Card Customer Services whenever you have a query or need assistance with your card account. You can do this by calling Outfit on 0345 121 4518 on any day of the week. They are open from 8am until 9pm. Alternatively, you can log into your online Outfit card account manager to send a message through it. These are the fastest ways to get help with your Outfit card or to request cancellation. Otherwise, you can write to the credit providers by sending a letter to their address below, using tracked postage.

Outfit Credit Card
Customer Services Department
NewDay Ltd
PO BOX 700
LS99 2BD

Cancel Stagecoach Recurring Payment

Stagecoach is a transport company in the UK, with many bus divisions. They cover many regions of Scotland, England, and Wales. It also runs Megabus inter-city services for long-distance routes. On regional Stagecoach routes, there are several different ticket types available. You can buy single, return, daily, weekly, and monthly tickets, both on the bus and online. If you need to travel on Stagecoach buses for longer than a month at a time, they offer recurring tickets on their smart cards. They continue until you cancel them.

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How do I cancel a PayPal payment?

As long as you have an e-mail address, then you can create an account for online payments through PayPal. You can send and receive money for free with most PayPal transactions. PayPal will sometimes charge a small fee if the payment requires currency conversion or uses a credit card. If you need to cancel a payment on PayPal, read this guide to find out how you can do it.

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How to Cancel Now TV Payment

Now TV is a popular service for people who only want to access a few Sky channels, without having to pay the high monthly prices for a Sky package. They usually offer a free trial or introductory discount for new customers. However, if you do not cancel before it expires, then it becomes a rolling monthly subscription which you will have to pay the full price for. Follow this guide to find out how to cancel Now TV before it automatically renews.

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