With strict budgeting and spending cuts, we manage to pay our bills each month and we are left with approx £50 per week for a food shop/household items and 'disposable' income. It isnt easy, but manageable. We have no savings because savings were put towards the debt (which reached 30k at one point). Our families dont know the extent of the debt, they just know we arent very flush.
Also try local Facebook Selling groups, where instead of eBaying second-hand goods, people harness the social network's power to sell to others in the local community. To get started, search for your area or postcode on Facebook, alongside keywords such as 'selling', 'sale' or 'buy', or sell items by location via Facebook Marketplace on the Facebook app.
Maternity Exemption Certificate – This card will entitle you to free dental care and free prescriptions. You can keep this until your baby is a year old. Make sure you visit the dentist just before your baby turns one to get the full use of the card. You are also entitled to antenatal classes. These will provide you with loads of useful information on your pregnancy, labour and the early days of your babies life.
E-Vouchers can no longer be purchased online. Previously purchased E-Vouchers can be redeemed online. E-Vouchers can only be exchanged for goods on our online store, www.hamleys.com. E-Vouchers cannot be exchanged for cash, however a balance will be retained for part use. E-Vouchers must be redeemed within 3 years of the purchase date. When redeeming the E-Voucher online you will be required to use the code included in the E-Voucher email. You can check the balance of an E-Voucher code in the ‘My Account’ section at any time. You will need to be registered to use this service. Hamleys is under no liability should vouchers be lost, stolen or destroyed.
An Experience Gift pairs a gift card with one of our services to create a thoughtful, personalised gift. For example, choose our Style Experience and add a gift card to with anything from £10 to £500. Your recipient can then book a free, 2-hour Personal Styling session, with complimentary glass of prosecco, and redeem the gift card against their chosen purchases. There’s no obligation to buy anything recommended during the experience.
You shouldn’t notice any difference and the link will never negatively impact the product. Plus the editorial line (the things we write) is NEVER impacted by these links. We aim to look at all available products. If it isn't possible to get an affiliate link for the top deal, it is still included in exactly the same way, just with a non-paying link. For more details, read How This Site Is Financed.
Apple Store Gift Cards are issued and managed by Apple Distribution International and can be applied only to purchases in the United Kingdom from an Apple Retail Store, the Apple Online Store or by calling 0800 048 0408. Gift cards may not be redeemed at the iTunes Store, at Apple resellers, for cash (except as required by law) or for shipments outside the United Kingdom. Gift cards will remain active even if added to the Wallet app on your iOS device. Neither the issuer nor Apple is responsible for any lost or stolen gift cards or use without your permission. Keep them safe; they’re valuable and can be redeemed by whoever finds them. Gift cards are also not for resale. Void where prohibited or restricted by law. Gift card terms and conditions are subject to change without notice and some items may not be available for purchase. Please visit apple.com/go/agc for current terms, conditions and limitations. Use of a gift card is governed by English law. To check the available balance on a gift card, call 0800 048 0408 or visit apple.com/go/gcb/uk.
Gift cards have been criticized for the ability of the issuer to set rules that are detrimental to the purchaser or card recipient. For example, gift cards may be subject to an expiry date, administrative fees, restrictions on use, and absence of adequate protection in case of fraud or loss. Over time fees may render the value of a gift card zero. However, these issues have been addressed in recent years in some jurisdictions. In the United States, many jurisdictions limit or prohibit all fees or expiration dates for gift cards. Further, because of the negative impact on sales that such policies can have, most merchants have adopted and even advertise a "no fee, no expiration" policy for their gift cards, whether or not state laws require it. In 2011, an estimated 2.5% of gift cards were subject to an expiration date and 2.7% to post-sale fees.
From the purchaser's point of view, a gift card is a gift, given in place of an object which the recipient may not need, when the giving of cash as a present may be regarded as socially inappropriate. In the United States, gift cards are highly popular, ranking in 2006 as the second-most given gift by consumers and the most-wanted gift by women, and the third-most wanted by males. Gift cards have become increasingly popular as they relieve the donor of selecting a specific gift. In 2012, nearly 50% of all US consumers claimed to have purchased a gift card as a present during the holiday season. In Canada, $1.8 billion was spent on gift cards, and in the UK it is estimated to have reached £3 billion in 2009,[needs update] whereas in the United States about US$80 billion was paid for gift cards in 2006. The recipient of a gift card can use it at their discretion within the restrictions set by the issue, for example as to validity period and businesses that accept a particular card.
Stuck for ideas for that perfect present? Our Joules Gift Cards mean you can’t get it wrong! With gift vouchers you can treat your loved one and let them spend their gift on whatever they choose - it makes perfect sense really! Our gift cards are available in a range of unique designs that are sure to stand out, plus they're straight forward to use, both in store and online.
Want to chat with like minded Mums and Mums to be? Join my pregnancy and parenting Facebook Group and let’s have a chat and a virtual cuppa. I have a wealth of pregnancy and baby information on my site, so have a search if there’s anything you want to know, and sign up to my mailing list below while you’re at it for competitions, offers and my latest blog posts (If you got the birth plan, you don’t need to sign up again 🙂 ).