Tax Credits. Nine out of 10 families with children are entitled to tax credits, according to HMRC, but around 1.4 million fail to claim each year. The rules are complex, but to sum up, there are two types: Working Tax Credit (worth up to £1,960, plus £2,010 a year to couples and lone parents) and the Child Tax Credit. The Child Tax Credit Rules changed in 2017 and up to £2,078 for your first two children. You'll only get benefit for more children if exceptions apply. You'll only be eligible for the additional £545 family credit if one of your children was born before 6 April 2017. Check whether you qualify.
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.

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.
When you sign up for the Dr. Seuss & His Friends book club subscription, you will get 4 books for $4.99 and no shipping costs. It is definitely a steal. Dr. Seuss books are classic and I love my bedtime memories of reading them with my kids. Make sure to cancel the subscription, which is a piece of cake to do online to prevent this from becoming a recurring charge. Here’s the link to register.
A gift card (also known as gift certificate in North America, or gift voucher or gift token in the UK[1]) is a prepaid stored-value money card usually issued by a retailer or bank to be used as an alternative to cash for purchases within a particular store or related businesses. Gift cards are also given out by retailers and marketers as part of a promotion strategy, to entice the recipient to come in or return to the store, and at times such cards are called cash cards. Gift cards are generally redeemable only for purchases at the relevant retail premises and cannot be cashed out, and in some situations may be subject to an expiry date or fees. Visa and MasterCard credit cards produce generic gift cards which need not be redeemed at particular stores, and which are widely used for cashback marketing strategies. A feature of these cards is that they are generally anonymous and are disposed of when the stored value on a card is exhausted.
Check out these current high street bargains. If you do want to buy new items (which with a changing body shape can be nice – let's be honest), the Can I Breastfeed In It? group often features items on sale and cheap supermarket outfits. Current bargains include ribbed blouses from an eBay seller (£3.50 incl del), a ruffle dress from Boohoo (£13 plus £4 del) and a burgundy wrap top from Dorothy Perkins (£18 plus £4 del, limited stock). Also see the group's Hot Favourites List with anything that's perfect for nursing.
Here’s a new baby freebie courtesy of Netmums and Aldi. Sign-up today to claim a pack of Aldi Mamia New-Born Nappies and also a free pack of Aldi Mamia Sensitive Baby Wipes. The freebie consists of two nappies in size 1 and a single pack of 24 baby wipes. You are able to request the sample if you have a baby or are currently in stages 1-3 of pregnancy.
So if a retailer does go bust and I'm unlikely to get my money back, should I just throw my gift card/voucher away? No. Don't be too quick to chuck gift cards – administrators may have a change of heart. For example, when Comet went into administration in November 2012, the administrator Deloitte ended up allowing it to accept gift cards, after originally saying it couldn't.

*The weekly price shown is a guide only. These prices are calculated based on payments being made across 45 weeks, dividing the total cost of the product. The final week's payment may be different because of a rounding of the product price. The weekly price will be different depending on when you place your order. The price you need to pay is the total of the goods you have ordered.
Bought a gift card or voucher worth £100 or more on a credit card? Try Section 75. If you paid for even a small part of the gift card on a credit card – and it was worth more than £100 in total – then Section 75 of the Consumer Credit Act 1974 may cover you. It states that your card company must refund all purchases worth between £100 and £30,000 in total if you don't get the service or the item you paid for.

WE MAKE NO WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO GIFT CARDS, INCLUDING WITHOUT LIMITATION, ANY EXPRESS OR IMPLIED WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. IN THE EVENT A GIFT CARD IS NON-FUNCTIONAL, YOUR SOLE REMEDY, AND OUR SOLE LIABILITY, WILL BE THE REPLACEMENT OF SUCH GIFT CARD. IF APPLICABLE LAW DOES NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.
Another issue regarding gift cards are the growing concerns from retailers and other businesses about what can be done to prevent gift cards from being exploited by fraudsters. Gift card information can either be stolen from their rightful owners by fraudsters or they can be purchased with stolen credit card information. In recent years, cybercriminals have increased their efforts to take advantage of fraudulent gift cards as they are simple to exploit with automated brute-force bot attacks.[15] The most common form of gift card fraud is committed through the act of stealing card information for activated cards with an existing balance by attacking a retailer's systems which store gift card data. Once a gift card has been compromised, the fraudster will then check the balance through online customer portals before using the funds or reselling on the secondary gift card market.[16]
It has been argued that holiday giving destroys value due to mismatching gifts.[9] The most efficient way to keep value in gifting would be to give cash; however, this is socially acceptable only within limits. Gift cards, to a degree, may overcome this problem but have certain pitfalls. Some feel that the absence of the thought of selecting a specific gift makes a gift card a worse choice than a poorly executed but individual gift.[10] New products in the gift card industry are evolving to tackle this "impersonal" pitfall of gift cards. New services launched by some service providers allows for customization and personalization of gift cards.[11]

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Gift cards differ from gift certificates, in that the latter are usually sold as a paper document with an authorized signature by a restaurant, store, or other individual establishment as a voucher for a future service; there is no electronic authorization. A gift certificate may or may not have an expiration date and generally has no administrative fees.
Our vouchers are a great way to save money. You simply buy them on your credit or debit card and then download instantly. Voucher numbers are always limited and available on a strictly first come, first served basis. Please be aware that some of our offers get snapped up very quickly, so we always recommend being as quick as you can to avoid disappointment!

What does an administrator consider when deciding whether gift cards should continue to be accepted? The administrator's decision is based on a number of factors, including how many gift vouchers or gift cards are in circulation, the impact of accepting gift cards on other creditors, the likelihood of achieving a rescue package for the retailer and the relationship between the business and its customers.
In 2012, over $100 billion in gift cards will be purchased in the United States, where over 20% of those gift cards will go unredeemed or unused. This has amassed a large opportunity in the secondary market, similar to the secondary ticket market in the early 2000s. Some companies have created a business in the secondary gift card market that allow consumers to sell their unused gift cards or buy discounted gift cards to their favorite brands. This has helped their users recoup their share of some $55 million per day that goes unredeemed in the United States every year, by turning their unused gift cards into cash.

That's nice. A gift card makes a much nicer present than cold hard cash, doesn't it? Er, no, not really. You may not like giving cash as a Christmas present, but it's a much better way to give than purchasing a gift card. Cash is less risky, more flexible and guarantees the person you're giving to will be able to spend the amount you're giving – even if their favourite store goes under.
The first giftcard using a payments infrastructure was introduced by Neiman Marcus in late 1994,[6] though Blockbuster Entertainment was the first company to do so at a wide scale,[7] test-marketing them in 1995 and launching them around the country the next year. In the beginning, the Blockbuster giftcard replaced gift certificates that were being counterfeited with recently introduced color copiers and color printers. Blockbuster's first giftcard transactions were processed by what was then Nabanco of Sunrise, Florida. Nabanco was the developer of the first third-party platform for the processing of giftcards using existing payment infrastructure.
In the past, uniform standards concerning gift cards did not exist. This was set to change as an addendum to the Credit CARD Act of 2009 directs the federal government to create consumer-friendly standards pertaining to gift cards.[19] Most notably, the new regulations prohibit retailers from setting expiration dates unless they are at least 5 years after the card's date of issue or the date on which funds were last added to the card. In addition, retailers are no longer able to assess dormancy, inactivity, or service fees unless the card has been inactive for at least 12 months, and if fees are added after that period, the details of such fees must be clearly disclosed on the card. Additionally, retailers are unable to levy more than one fee per month. The new provisions took effect on August 22, 2010.[20]
Like with Honest Co and Dr. Seuss Book Club, to receive this freebie book you will have to sign up for a monthly subscription but cancel it within the next three weeks to prevent being charged. Call (888) 215-4327 to cancel. It is so worth it the hassle because good hardcover books are so difficult to find and babies absolutely love them. Here’s the link!

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Free baby sleeping box in England. The Baby Box Co is giving families with newborns in England a free baby box similar to the Scottish one above (without the extra freebies), by watching educational videos. You take a 20-minute online course on baby and child health, then do a quiz. The baby box acts as a Moses basket and comes with foam mattress, cover and sheet. You need to apply before your baby is six months old, and can pick up from 150 collection points (or pay £6 for delivery).
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