Tax Break for married couples or those in a civic partnership.


Did you know that if you are married or in a civic partnership  you could potentially be entitled to a £900 tax break ?  

if your partner has died since 5 April 2015 you should still qualify.

The Marriage Allowance lets you transfer £1,190 of your Personal allowance to your husband, wife or civil partner – if they earn more than you.

This reduces their tax by up to £238 in the tax year (6 April to 5 April the next year).

For you to benefit as a couple, one of you has to be a non-taxpayer, which usually  means earning less than the £11,850 personal allowance between 6 April 2018 and 5 April 2019 (this was £11,500 for 2017/18, £11,000 for 2016/17 and £10,600 for 2015/16).

If you or your partner were born before 6 April 1935, you might benefit more as a couple by applying for Married Couple’s Allowance instead.

You cannot get Marriage Allowance and Married Couple’s Allowance at the same time.

How to apply.

Its relatively straight forward you can use the on line application form via HMRC. You will need to have both your national insurance numbers and one of a range of different acceptable forms of ID for the non-tax payer. If you don’t have access to the web you can telephone 0300 200 3300 and do it over the phone (But be aware you can wait an age to get through. But persevere if you meet the criteria.)  

If your still  unsure you meet the criteria  contact the income tax help line for advice and further information.

You may have the moxici but do you have the minerals ?

Hi Savvy readers.

I just thought I would share some info with you it’s just a short,  fun blog as part of the occasional mindfulness series I’m creating  in 2019.

So,oo at Christmas 2018 I received a gift of a glass water bottle. in the bottle was what looked like to me, at least, a little array of pink stones albeit rather pretty stones. Possibly I thought from someone’s driveway , my driveway ?  I wondered.

rose and amethyst crystals

 Of course, I thanked the person who gave me the gift profusely.

But I over-egged the pudding, as they say . And she guessed I did not have a Scooby what it was.   So, my niece patiently explained to me, as though I had been living under a rock for the last two years. That this was NO ordinary water bottle no, no way, no how. It was to all intense and purposes a magic bottle. A bottle that if you just add gemstones and water too, it would  be filled with good vibes ,that when you drank you would be drinking in ,good vibes. ( metaphorically speaking.) I thought yeah, course it does ..Hmm, then it was my turn to look superior  and smile in what I hoped said . Ha who’s the fool girl now.? But actually, it turns out it was still me.

Over the days after Christmas I did some on line research and yay, these bottles are a thing !!  I mean YES there vey “Instagram”  just on their own.

For example, My Bottle had rose and amethyst crystals in it. Apparently, Rose Quartz is said to be a love stone which sorts of wraps you up in a warm loving hug improving our emotional health.

Amethyst is said to  have an innate energy that helps soothe away the day-to-day stresses that can at times be a part of our daily lives.

It’s also said that in working with the third eye and crown chakras, Amethyst helps your body give into innate desires like sound sleep and relaxation, but it also works with your third eye to balance the mind with insightful solutions to problems. I’ve recently had difficulty ’s sleeping, and with stress, I’ve discovered to my own shock and surprise that these mineral infused  bottles do seem to work . I mean are they life changing ? NO … but I’ve found that I do feel more energised, more positive  and happier. just more grounded.  

This led me to finding out what other minerals can do for you. Below is a very short list explaining what some minerals can do for you.  

Minerals. Just a few to tempt your appetite.


 Citrine is said to be the stone of manifesting abundance and when infused with 24K gold flakes & clear quartz amplifies all that you desire.

Citrine is often given to those wishing to set up a business or embarking on a new life adventure.



In the healing art’s it is thought that this combination of lapis lazuli and rutilated quartz relieves sore throats, allows one to speak with wisdom and authority, inspires honesty, and helps to lift the feeling of anxiety.

This blend was said to be  inspired by the ancient Egyptians. Lapis lazuli was regarded as a symbol for spirituality in ancient Egypt. Choose this gem-water blend if you want to be inspired.



If you’re seeking to harness your inner self, Inner Purity aquamarine could jsut be the perfect gem-water blend for you.

Traditional Naturopathic Uses:

In the healing arts this combination of aquamarine and clear quartz is believed to be cleansing, soothing, calming, and to aid in spiritual growth and inner wisdom . It is also believed by some to help with imbalances of the kidney and bladder and help with allergies.


If this is a goal then you could …Try ;  AQUAMARINE • SMOKY QUARTZ • CLEAR QUARTZ

It is said that if you like to follow a detox regime then by adding  SMOKY QUARTZ • CLEAR QUARTZ to your water it can  offer a greater dimension  to your detox. Resulting in clearer, glowing  skin.  

The above blends are said to harness clarity and fluidity and mindfulness.

The Pistachio opal

This soothing green stone is thought to have a strong rejuvenating quality. It’s believed to open your heart chakra. Making you more intuitive to the needs of those you love and care find.

Pistachio opal is a believed by some to be vital in finding an inner state of joy and attracts love towards you.  ( I will say I did find this gemstone difficult to source.)

Orange Calcite

This bright, sunny stone just seems to radiate warmth and happiness. Considered to help you feel  more positive. Helping you to connect to those around you. This stone like rose quartz is often referred to as a love stone because its said to give courage to open up to others.


They say the key to confidence is vitality, energy, and focus. Emerald is said to help make all this  happen . By helping you shed negativity ,and  embrace love, from yourself and others, and strengthen your connection to the divine. This powerful stone can be a balm for any confidence issues you’re struggling with.

I’ve learned that when it comes to choosing your own mix of gemstones you can often feel a strong pull to a particulr gemstone. When this happens, you may have found the gemstone you require. Disclaimer :  I’m not an expertin these things and the opinions written are just my thoughts . I would say categorically that one should never use crystal infused water in place of any medical advice or to self-treat any medical issues or concerns.

What is Monzo bank?

Hi Savvy readers. One of my followers, the lovely Gill Brodin mentioned to me, that my readers may be interested in hearing about the Menzo card. I’ve heard a little about them, but to be honest, they never really came into my radar.

However Gill is right, they are quite an interesting bank. Therefore in case, you may also be interested I’ve written a quick review blog on them. Trust me I’m no expert so please go there website for full info and terms before you open an account .

It would seem that with the rise of mobile payments systems such as  Apple pay and Android pay.  We are also beginning to see new smart banking solutions. Enter Monzo. This little card is more then a pretty orange card, that looks somewhat like a designer  store loyalty card . No it offers way more for example.    

Monzo is considered by some as the poster child for digital banking. And it does seem ideal for the smartphone user . ( I’ve also heard Monzo has been dubbed rather unflatteringly “ as the go to bank for Millennials”.)

So What is Monzo?

Put simply Monzo is a smart bank for the smartphone generation, so no longer any need to stand in line at the bank or building society in  your precious lunch hour.  No.. it all revolves around the App.

Monzo is on record as saying it is : “Focussed on building the best current account in the world and ultimately working with a range of other providers so that Mondo can be an intelligent hub for your entire financial life.”      

A  big claim ?  Jurys still out on that I’m afraid.

Monzo  say that users of the Monzo cards  have spent more than £20m in over 130 countries since its launch.

The Monzo card is a MasterCard debit card. Monzo previously only issued pre-paid cards, but now it’s a fully-fledged kiss ass. bank  and users get  accounts, with sort codes and support for direct debits and standing orders.

In addition to the orange card you get an APP, which can be used for paying money into the account, However perhaps more usefully it will also instantly update your balance, provide handy notifications (including why a transaction was declined!! )  another good feature of the APP is that it can provide instant notifications when transactions are made.  Which can be a helpful feature, especially to those are often left wondering where all their money went at the end of each month … (Yeah that would be me too. ) when you can see what your purchasing, it can help you to be more mindful to what you are spending more money on. There’s also a great feature where if you have the card, you can request money from people who don’t have the app its called . its a way to split bills and pay someone even if you don’t have or want Monzo