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.

Boots No7 beauty Advent calendar for £42.00 while stocks last. Friday 18 October.

Hi Lovely Savvy readers.

Just a quick savvy tip in case you did not know. (And Coz , I missed out last year.)  Continue reading “Boots No7 beauty Advent calendar for £42.00 while stocks last. Friday 18 October.”

Aldi’s Lacura Glycolic Glow Tonic VS Pixi’s iconic Glow Tonic .luxury

Product Review; Aldi’s  Lacura Glycolic Glow Tonic VS Pixi’s iconic Glow Tonic

Dupe me, baby, one more time?

Let the Dupes begin?

Continue reading “Aldi’s Lacura Glycolic Glow Tonic VS Pixi’s iconic Glow Tonic .luxury”

Shop your freezer to save money and reduce waste.

Shop your freezer.

What Will YOU Accomplish?
The shop your Freezer challenge will have several purposes.
• It will encourage you to spend very little / no money on frozen groceries.
• Hopefully you will save money by shopping the foods already in your own freezer.
• You can use the contents of your freezer to make delicious meals.
• If you have already cooked meals and placed them in the freezer for “Mid week” you can actually eat the meals.
• You should dramatically reduce waste and save money.

Continue reading “Shop your freezer to save money and reduce waste.”

ELEMIS. Bobbi Brown, hair shades. Glowing skin. Party-ready. Mature skin. Over 40’s. Over 50’s Glam Glow.

Hi Savvy readers.
It’s that time of the year, long  lazy days. The perfect time to indulge in a little me time. Why not have a look at my five favourite beauty iPhone  apps for a  little well deserved pampering. xox
Continue reading “ELEMIS. Bobbi Brown, hair shades. Glowing skin. Party-ready. Mature skin. Over 40’s. Over 50’s Glam Glow.”

Have you heard of the Help to Save Scheme being run by the HMRC. ?

Have you heard of the Help to Save Scheme being run by the HMRC. ?

Continue reading “Have you heard of the Help to Save Scheme being run by the HMRC. ?”

The best five shampoos for fine hair.

And the winners are….
My five best shampoos for fine hair.
You asked, so here we go, my five favourite shampoo’s for fine, fragile, limp, lacklus. … you get the picture! Continue reading “The best five shampoos for fine hair.”

Everything you’ve ever wanted to know about money but were afraid to ask . Well sort of everything !

Hi savvy readers,

Everything you’ve ever wanted to know about money but were afraid to ask . Well sort of everything ! 
Continue reading “Everything you’ve ever wanted to know about money but were afraid to ask . Well sort of everything !”

make money at Farmers and craft markets. and you can to

How I make money at Farmers and craft markets.

I thought I would share with you some of my tried and trusted, go to tips. for slaying it, at Farmers markets.

(Psst , So you don’t have to make some of the rookie mistakes I did at the beginning. )

Your supper cool urban Padded Gilet.. check ….. Aviators… check.. you’ve got this chaps, lets go….

 

Continue reading “make money at Farmers and craft markets. and you can to”

The clever persons guide to money.

The clever persons 80/20 guide to money.

Hi there, life savvy people.

I’ve had some recent feed back to my blog  ”My first £1000.00 of 2018 and how I did it.”

Apparently some of you would like to start off saving with a more gentle approach. ( Was it the thought of giving up the wine?)

Continue reading “The clever persons guide to money.”