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.
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]
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However, this isn't guaranteed to work as there's no set rule on whether the law covers gift cards. Also, Section 75 only applies to single items worth over £100, so you aren't covered if you bought multiple gift cards for smaller amounts, regardless of the total cost. See our Section 75 guide for more info (and be aware you may need the gift giver to claim for you as they're the one who paid).
A bit of background - we're not in the best financial position at the minute (but I appreciate there are thousands is worse situations so I should be grateful). Between me and DH, we have approx £17000 of debt that we are working at paying off. We are making just-over the minimum payments and after a big wake up call, we have cut the credit cards up so they cannot be used so we cant add to the debt.

Gift Vouchers are easy to purchase from us and work in the same way a regular order does. Simply select the price denomination you would like (prices can be viewed in the Voucher section of the site) and follow the quick, hassle-free checkout process. It’s so easy to do and will make the perfect gift for those relatives who are notoriously hard to buy for or a golf fanatic spouse!
A popular offer from Huggies. At this site, you can request a voucher, redeemable for £2 off Pull-Ups Potty Training Pants at participating stores. These are purposely designed for potty training and feature stretchy sides and fun Disney design prints. A short registration is required (it only takes a minute or two). Some supermarkets retail the item at £2 from time to time, making it effectively free of charge in some instances.
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]
Cards may have a barcode or magnetic strip, which is read by an electronic credit card machine. Many cards have no value until they are sold, at which time the cashier enters the amount which the customer wishes to put on the card. This amount is rarely stored on the card but is instead noted in the store's database, which is crosslinked to the card ID. Gift cards thus are generally not stored-value cards as used in many public transport systems or library photocopiers, where a simplified system (with no network) stores the value only on the card itself. To thwart counterfeiting, the data is encrypted. The magnetic strip is also often placed differently than on credit cards, so they cannot be read or written with standard equipment. Other gift cards may have a set value and need to be activated by calling a specific number.
The Amazon.co.uk Conditions of Use & Sale apply. Gift Cards are issued by Amazon EU S.à r.l., a Luxembourg entity. When you purchase, receive or redeem a Gift Card, you agree that the laws of the Grand-Duchy of Luxembourg will govern these Gift Card terms and conditions. We reserve the right to change these terms and conditions from time to time in our discretion. All terms and conditions are applicable to the extent permitted by law.
NHS Healthy Start is a government initiative, you may qualify for free vouchers every week to spend on milk, plain fresh and frozen fruit and vegetables, and infant formula milk. You can also get free vitamins. If you’re pregnant or have children under the age of four you could qualify if you’re on benefits, or if you’re pregnant and under 18. Check if you qualify here.
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