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.

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

Support for aging parents and loved ones.

Are you a carer for an elderly relative living alone? Do you find that you are worried about how they will manage in the future?  Then your problerley not alone, there are an estimated 6.5 million carers in the UK.
Of course being a carer can mean different things to different people. Sometimes it can be something as simple as a regular telephone call for a chat and catch up. Or it could be doing the a weekly shop . Or perhaps you’ve noticed that your parents are staring to get a bit forgetful and you are looking at ways to support them, so they can live more independently in there own homes. Continue reading “Support for aging parents and loved ones.”

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. ?”

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.”

Lazy girl’s guide to cleaning “Mongolian Faux fur cushions.”

Hi .. Here’s my cheeky hack I use to freshen up my “Mongolian Faux fur cushions.”   Continue reading “Lazy girl’s guide to cleaning “Mongolian Faux fur cushions.””

££££. My go to ways to make money. ££££.

 My go to ways to make money.

I’m not gonna lie, Some of the things I do to make, extra money can take time.
But the info I share below, have all earned there place in my arsenal and they are my “Go to.”  Have a look and see how they could work for you.

1. Ebay…..

  No surprise here. However, that said, it’s one of my constant earners. I source from Charity shop’s, my own wardrobe and home. Auctions (Check out some of my Auction pages for my finds.)

It’s surprising, how others can love what you’ve grown tired off.lifestyl

2. Amazon.

Continue reading “££££. My go to ways to make money. ££££.”