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
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
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
I just thought
I would share some info with you it’s just a short, fun blog as part of the occasionalmindfulness seriesI’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.
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.
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 havean 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.
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.
LAPIS LAZULI • RUTILATED QUARTZ for inspiration.
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 andauthority, 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.
AQUAMARINE • CLEAR QUARTZ
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.)
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
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
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
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 monzo.me . its a way to split bills and pay someone even if you don’t have or want Monzo