the magazine as a

sainsburysbank.co.uk
FREE
MONEY
MATTERS
Amazing apps for
discovering what
your pets ‘really’
get up to when
you’re away, p16
Surprising ways
to valet your car
for less, p17
HELPING YOU SPEND AND SAVE SMARTER
Sage advice:
the gardening
gurus on
growing your
own, p9
SPRING
SURVIVAL
TRICKS
WIN
How to get
your gym kicks
for free, p14
A family break at
a luxury French
campsite
How to get
your gym kicks
for free, p14
Thrifty tips for
life’s essentials,
p15
Secret tips from the
UK’s top bloggers…
and your mum!
Clever ways to
save on trips at
home and
away, p21
01_Cover_Family_R1.indd 2
15/01/2016 14:57
Watching your spending?
Why not choose a Sainsbury’s Bank Purchase Credit
Card for those little extras, like a big family night in.
We have a wide range of credit cards to suit you and
your family’s needs.
Visit sainsburysbank.co.uk/creditcards
Credit Cards available to new Sainsbury’s Bank customers only. We treat all our customers and their applications on an individual basis. The interest rate and credit limit we offer are determined by the details you supply,
along with an independent verification of credit repayment history. Credit available subject to status to UK residents aged 18 or over from Sainsbury’s Bank plc, Pitreavie Business Park, Dunfermline, Fife, KY99 4BS.
Sainsbury’s Bank plc, Registered Office, 33 Holborn, London EC1N 2HT (registered in England and Wales, no. 3279730) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority
and the Prudential Regulation Authority (Register no. 184514). Sainsbury’s Supermarkets Ltd is an appointed representative of Sainsbury’s Bank plc.
Credit-Cards-MM.indd 1
18/12/2015 09:30
Your mother should know:
the best advice your mum
ever gave you
WHAT’S INSIDE
10
UPFRONT
The ticklist
The smart ways to pay P5
The great debate
Would you fly budget airlines?
Two jetsetters air their opinions P6
AT HOME
If you only do one thing…
Plant your own herb garden in time
for summer P9
The generation game
A gran, a mum and a granddaughter on how
attitudes to money have changed P10
Wedding guest winners
9
Are you gonna
grow my way?
Our DIY herb guide
Expert advice on how to save money
without looking cheap P12
Bloggers know best
Travel whizz Emily Payne
talks about the ups and
downs of travelling the
world on p18: “I’m really
going to try to save up
enough money for a fabulous family
adventure – like spotting jaguars in
Brazil, an American road trip or whale
watching in Iceland. My son is only two
at the moment, so luckily I have time to
squirrel away some extra pennies.”
Spring-clean your finances P14
While the cat’s away…
Gadgets to help keep tabs on
your pets P16
OUT AND ABOUT
If you only do one thing…
Valet your car… the super-saver way P17
It’s not all sun and games
What life’s really like for a travel writer P18
Holiday swap shop
How shrewd travellers can save on
accommodation when away P21
Win! A French family break
Live it up in a four-star campsite… P26
An interest that pays off
Turn a hobby into extra income P27
FSC TBC
14
Gadget queen Linsey
Fryatt talks hi-tech pets
on p16: “I’m going to sort
out my digital life. My
desktop is like a shoebox
stuffed with old magazine articles, odd
socks, random receipts and fluff. I will
get a decent To-Do List app; I will
manage my bookmarks; I will clear
out my digital clutter and become a
responsible adult. At least in the
virtual world.”
Wonder web:
top money-saving
tips from the
bloggers in the know
Technology expert Dean
Evans downloads the
new ways to pay on p5:
“Last year we bought an
electric piano so the kids
could learn to play. They haven’t, and I
keep looking at it gathering dust in the
corner, thinking: ‘Maybe I should have a
go so it wasn’t a total waste of money…’
Sainsbury’s Bank Money Matters Produced by Seven for Sainsbury’s Bank plc. Sainsbury’s Bank plc, Registered Office, 33 Holborn,
London EC1N 2HT (registered in England and Wales, no. 3279730) is authorised by the Prudential Regulation Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority (Register no. 184514). Sainsbury’s Supermarkets Ltd is an appointed
representative of Sainsbury’s Bank plc.
Magazine correspondence address Customer Marketing, Sainsbury’s Bank, 3 Lochside Avenue, Edinburgh Park, Edinburgh EH12 9DJ. For
contact details regarding Sainsbury’s Bank products, please see p22-24 or visit sainsburysbank.co.uk. All information correct at time of going
to press, January 2016, but may be subject to change. The views expressed in this magazine are the responsibility of the publishers and do
not necessarily reflect the views of any part of the Sainsbury’s Group of Companies. Availability of Sainsbury’s products may vary from store
to store. Some products only available online. © Seven Publishing Group Ltd, 2016.
SAINSBURYSBANK.CO.UK/MONEY-MATTERS
03_ContentsFamily_V4_R2.indd 2
COVER: MITCH PAYNE. PHOTOGRAPHY: SHUTTERSTOCK. ILLUSTRATION: TONWEN JONES
New tech
This season is full of frugal fun P20
THE BIG ASK
Every issue we ask some of our
contributors for their take on one
burning money question. This
time it’s: “What have you been
secretly putting off that you really
mean to do this year?”
Clever ways to live, spend and
save smarter this spring P4
Spring into action
CONTENTS
3
14/01/2016 13:28
THE TICKLIST
5 ways to spend, save and live smarter
1
*OPINIUM RESEARCH CARRIED OUT AN ONLINE SURVEY OF 2,002 UK ADULTS AGED 18+ FROM 15-18 MAY 2015 ON BEHALF OF SAINSBURY’S BANK
Take
control
Spring-clean
your finances
the tech way
by downloading a
few smart money
apps to help keep
you on track. Toshl
Finance lets you
enter expenses
on-the-go and
gives you fun
graphics to show
just what you’re
spending on.
Spend Today
– Save Tomorrow!
helps you save
money for the
weekend by
encouraging you to
set a daily budget,
while Meter
Readings does
what it says on
the tin – tracking
how much gas,
electricity and
water you’re using
and showing how
you could save.
2
4
GET INVOLVED
This year’s Sport Relief weekend
is 18-20 March. In 2014 Sainsbury’s
raised a fantastic £6.7m, and this year
they’re returning again as the headline
sponsor of the Sainsbury’s Sport Relief Games.
So why not get involved and walk, run, swim or
cycle yourself proud with thousands of people
from your local area? Whether you get sponsored
to enter an event at the Sainsbury’s Sport Relief
Games or fundraise with friends and family, you’ll
help people living incredibly tough lives here in the
UK and across the world’s poorest communities.
There’ll also be tons of top telly for you to look
out for across the BBC in the run-up to the big
weekend, which will culminate in an
unmissable night of Sport Relief TV,
live from Queen Elizabeth Olympic
Park. Find out more and sign up to
the Games at sportrelief.com.
3
Get £15k Parent Free Life Cover
According to recent research*, 40% of
parents with children under the age of
18 don’t have any life insurance – while
10% say they haven’t got round to taking it out yet.
To help you get started, Sainsbury’s Life Insurance
provided by Legal & General is offering £15,000 of
Parent Free Life Cover for 12 months for parents with
a child under the age of five – and both parents can
apply for cover. Terms and conditions apply. See
p23 for more details.
PARKING SORTED
You can pre-book car parking spaces
anywhere in the UK, avoid parking
tickets and save loads of money
compared to regular parking
through sites such as
justpark.com.
Brilliant!
5
On your bike!
It’s not often there’s a tax break that saves
you money and helps you get fitter, but
the Cycle to Work scheme, introduced in 1999 to
promote ‘healthier journeys to work and reduce
environmental pollution’ ticks both boxes.
So how does it work? Basically, your employer
buys you a bike and safety equipment of your
choice up to the value of £1000 and you ‘hire’ it
from them via salary sacrifice (you agree to give
up part of your salary in exchange for a benefit,
in this case, a bike) for the next 12 months. The
money-saving bit comes in because your hire
payments come from your gross salary, so you
pay less income tax and NI – plus you’ll be saving
on the ever-increasing costs of the daily commute.
After 12 months, you can buy the bike from your
employer for its Fair Market Value or extend your
hire period through the scheme operator. Find
out more at gov.uk, and for a fun way to see how
much you could save compared to your usual
commute, check out cycletoworkcalculator.com.
4 SAINSBURYSBANK.CO.UK/MONEY-MATTERS
04-07_Ticklist2_V5b_R1.indd 4
14/01/2016 09:56
THE FUTURE
OF VIRTUAL
PAYMENTS
Technology expert and gadget
obsessive Dean Evans
(techradar.com, MacLife
and SFX) takes a cyber-walk
through some of the cashless
payment options we’re set to
be using now and in the future…
LL
ast year, the contactless card ruled
supreme with a record £2.32bn
being spent. That’s an astounding
10 transactions a second. This year,
it’s all about the smartphone, with
innovative ways to pay meaning your
wallet could soon be out of a job.
SELFIE PAY
What? MasterCard® recently tried out
a system in the US that authenticated
transactions with a selfie-style photo
– no cards or devices needed.
How? A facial recognition system scans
your face and compares it to a stored
photo. But why stop there? Swedish
startup Quixter developed a technology
to scan the pattern of veins in your palm,
while the Telegraph reported that we all
have a ‘germ cloud’ floating around us
that could be used as a unique identifier.
Who? Everyone with a face, vein or
invisible bacterial aura!
WORDS: AMANDA MORGAN, DEAN EVANS. ILLUSTRATION: ASSA ARIYOSHI. PHOTOGRAPHY: SHUTTERSTOCK
APPLE PAY
What? A mobile payment/digital wallet
system that turns your smartphone (or
smartwatch) into a contactless card.
How? A digital wallet stores your card
details securely inside an app, enabling
you to pay in stores simply by holding
your phone or watch near a card reader.
Who? Hipsters and gadget geeks as well
as Apple Watch-wearing or iPhone
6-owning technophiles. iOS only.
ZAPP
What? Backed by major UK banks,
Zapp is a new pay-by-bank app.
How? Like Apple Pay, Zapp stores your
card details inside an app so you can
use your smartphone as a tap-and-go
contactless card.
Who? Everyone. Eventually. Right now,
Zapp is still waiting on the launchpad
but, once live, it will be available for both
iOS and Android users.
PAYM
What? A system that enables you to
send money to a phone contact.
How? Paym links your bank sort code
and account number to your phone
number, so you can effectively ‘text’
your payment to one of your contacts.
Who? Students, friends or anyone using
one of the 17 participating banks and
building societies. For iOS and Android.
SAINSBURYSBANK.CO.UK/MONEY-MATTERS
04-07_Ticklist2_V5b_R1.indd 5
5
13/01/2016 10:22
MAD MONEY
Big money facts to go with
this season’s big events
7K
The amount you’d have to pay for the
world’s most expensive all-chocolate
Easter egg. The egg, weighing 50kg,
took seven chefs three days to complete.
Ouef! Easter Sunday is 27 March.
$2M
THE GREAT DEBATE
For some people, flying is all about the perks, while others prefer
to save their money for spending when they land. Here, two
contenders take on the budget versus blow-it battle…
Liza Brissenden
Hemstock from
Buckinghamshire
thinks the holiday
starts with the flight
WORDS: AMY BONIFAS. ILLUSTRATION: ASSA ARIYOSHI. PHOTOGRAPHY: GETTY IMAGES, SHUTTERSTOCK
Stewart McLurg
from Hornchurch
would rather fly
cheap and spend
big on the ground
W
hen it comes to budget flights, I’ve
never had a bad time. With so much
competition, brands have had to up
their game and, because of that,
check-in times and customer service have
improved, and some airlines have
become trusted household
names. The choice of
destinations has also
expanded, with new
countries popping
up all over the
place. There isn’t
that much
difference in
legroom either.
The best-value
flights can be at
pretty unforgiving
hours, so I opt for a
cheap, super-early
flight out as it’s part of
the excitement, and a
more sensibly timed one
back – the cost balances out.
To make sure it’s as comfy as
possible, I bring my own home comforts,
such as eye masks and ear plugs.
Once I’m there, what I’ve saved on plane
fare I’ll use to upgrade our accommodation.
I’ll also save money for food, as we like to eat
out when we’re away. Next up, Barcelona!
S
tepping on to the plane signals the start
of the holiday for me, which is why I’m
more than happy to pay for premium
flights. I love all the thoughtful extras you
get; I’ve had lip balm, face cream… even a
calming spray! And you can’t beat
toasting the start of your break
with a glass of fizz – much
better than an overpriced
coffee and soggy
sandwich.
My husband, Paul,
is a pilot and has a
bad back, which is
another reason we
don’t fly budget. He’s
at his most excited
in the air, whereas
I’m a bit of a nervous
flyer, so we both feel
more at ease when
we’re comfortable (extra
legroom can do wonders).
I rarely sleep on planes so I
find the in-flight films help pass the
time. The food options are better too –
great as my 12-year-old son can be a bit fussy.
For special occasions we’ve chosen to
upgrade the experience even more – going
through to an airport lounge is amazing and
the service is always great. It makes us feel
like rock stars, if only for the flight duration.
The price of John Galliano’s
Oscar dress, modelled by
Nicole Kidman in 1997.
This year’s Oscars are on
28 February.
Real-life
Valentines
We’ve heard about
famous other halves
shelling out silly money
for Valentine’s pressies
(Angelina Jolie bought
Brad a 200-year-old
olive tree for $18,500),
but non-celebrities can
be just as surprising
with their gestures
1
The way to a
man’s heart
According to imgur.com,
one caring girl cooked her
boyfriend a month’s worth
of individual meals and
stocked his freezer with
them so he wouldn’t starve
when she was out of town.
2
Aw, shucks
US gossip king Perez
Hilton tells of one besotted
boyfriend who bought his
girlfriend a bag of oysters
to open – that each
contained a pearl.
3
Proposal through
the medium of dance
A twinkle-toed chap hired
theoneromance.com to
create a flash mob of
dancers so he could join
in with them and surprise
his girlfriend with a
proposal bang in the
heart of London’s Covent
Garden (she said yes).
6 SAINSBURYSBANK.CO.UK/MONEY-MATTERS
04-07_Ticklist2_V5b_R1.indd 6
13/01/2016 10:22
500K
$1.6M
The most expensive bicycle ever, the
Butterfly Trek Madone, ridden by
Lance Armstrong in the 2009 Tour de
France. The UCI Track Cycling World
Championships are on 2-6 March.
WIN! A NIGHT IN
BROOKLANDS
HOTEL, SURREY
Brooklands Hotel is a contemporary,
design-led, four-star property located
on the site of the iconic Brooklands race
track. Taking inspiration from its location,
the hotel has a 1920s, art deco-inspired
interior, a critically acclaimed restaurant
and a full service spa. The prize is an
overnight stay in a track-facing suite for
two adults and up to two children (up to
11 years) including a three-course dinner
and breakfast. The prize also includes
The cost of 2015’s most expensive
dog. He’s a Tibetan mastiff
named Big Splash (not sure
he’ll be appearing at this year’s
Crufts, on from 10-13 March).
a spa treatment for each adult, plus
tickets to the famous Brooklands
Museum. brooklandshotelsurrey.com
WIN!
HOW TO ENTER
Open to Sainsbury’s Bank customers
only. Send a postcard stating your
name, address, email, telephone
number and Nectar card number to:
Brooklands Prize Draw, Sainsbury’s
Bank, PO Box 5181, Bath BA1 0RY; or
email these details to: brooklands@
sainsburysbankmagazine.co.uk.
The Brooklands Hotel break specific
conditions are set out below. General
prize draw terms and conditions can be
found on p26. Entry closes at midnight
on 20 March 2016.
Brooklands Hotel break prize draw terms and conditions There is one prize of a one-night break at Brooklands
Hotel, Surrey. The prize includes a three-course dinner from the table d’hôte menu (excluding beverages), English
breakfast, two spa treatments (over-18s only; up to the value of £65 per treatment) and tickets to the Brooklands
Museum. The prize is for a maximum of two adults and up to two children (up to 11 years). Extra purchases are the
winner’s responsibility to be settled on departure. The prize does not include meals other than stated, beverages,
travel, travel insurance, spa treatments other than stated, spending money or additional hotel/museum
expenditure. The prize will be sent to the winner in the form of a voucher valid for six months from date of issue.
The prize is valid for a Friday, Saturday or Sunday night only subject to availability. Spa treatments must be booked
prior to arrival. See p26 for full terms and conditions. The promotion features across two versions of this magazine
Why do presidents, CEOs and business
tycoons dress the same way every day?
Say hello to ‘decision fatigue’, the analysis
paralysis that could be holding you back.
Our brains can only cope with so many
decisions each day – what to eat, what to
watch on TV and when to reply to emails.
So, removing one choice – what to wear
– could reap benefits in productivity,
freeing your mind to concentrate on more
important things. There’s a money-saving
aspect too; plan out your work wardrobe
in advance and you won’t waste cash on
clothes you’ll never wear.
Think about the famous ‘one-look’
success stories – Apple’s Steve Jobs and his
black turtleneck, President Obama’s dark
blue suit, Facebook’s Mark Zuckerberg and
his grey T-shirt. With a total net worth in
excess of $46bn, there’s something in it.
It’s still early days,
but hi-tech connected
luggage could be the
future of travel
According to a recent
report in the Guardian,
clever cases kitted out
with GPS tracking and
messaging are set to be
the next big thing. That
means your suitcase
will be able to text you
with its location – “Pick
me up at carousel
three, please” –
or let you know
straightaway
if someone’s
tampering
with it.
The travel
tech doesn’t
stop there. At
BEST-CASE SCENARIO
SARTORIAL SAVVY
the 2015 Travel Goods
Showcase in Las Vegas,
manufacturers presented
a bag that comes with a
biometric, fingerprintrecognition lock and a
digital scale sensor in
the wheels; a case that
auto-locks if it gets more
than 30m away from
your mobile; and a
bag that goes straight
from the bike lane to
the boardroom by
converting from
a waterproof
backpack to
a briefcase.
Costing around
$700 though,
we’ll have to
wait for the
prices to drop.
SAINSBURYSBANK.CO.UK/MONEY-MATTERS
04-07_Ticklist2_V5b_R1.indd 7
7
13/01/2016 10:22
Underwritten by U K Insurance Limited
Plus a £25 coupon to spend
in Sainsbury’s stores
when you buy a new combined buildings and contents policy†
Visit sainsburysbank.co.uk/homecover
Or call 0800 260 0776
Lines are open: 8am-9pm Mon to Fri, 9am-5pm Sat and 10am-5pm Sun.
Calls free from landlines and mobiles. Calls may be monitored and recorded.
These offers are only available direct with Sainsbury’s Bank. Premier Cover includes accidental damage. Optional extra with standard cover.
*Up to 25% off when you buy direct. Introductory discount, minimum premiums apply. You will receive a discounted rate based on information related to transactions you’ve made in Sainsbury’s supermarkets using your
Nectar card. At least 15% of Nectar card holders who are Sainsbury’s shoppers and purchased directly online or over the phone achieved the maximum phone, web and Nectar discounts between April and October 2015.
†£25 coupon to spend in Sainsbury’s stores is an introductory offer available to new home insurance customers who buy a new combined buildings and contents policy between 30th December 2015 and 21st March 2016.
Quote must have originated on the Sainsbury’s Bank website or on the telephone. Quotes and subsequent accepts from price comparison sites will not be eligible for the offer. Coupon will be issued 60 days after the policy
start date. If your policy is cancelled within the 14 day cooling-off period your coupon will not be issued. Limited to issuing one coupon per policy, duplicate coupons will not be issued. No cash alternative available. Coupon is
not transferable. Sainsbury’s Bank reserves the right to alter, cancel or withdraw the promotion without notice.
AT HOME
Savvy ways to spend and save on everyday essentials
IF YOU ONLY DO ONE THING…
GROW YOUR OWN HERBS
WORDS: THE GARDENING GURUS AT FENNELANDFERN.CO.UK, THE STYLISH GARDENING BLOG. PHOTOGRAPHY: CLARE MILLER
When it comes to herbs, fresh is best and
free is even better. To help get your greenfingered groove on, we asked the gardening
experts at fennelandfern.co.uk which you
should plant to jazz up your summer plates,
whether you have a little space on the
windowsill or a free corner in the garden.
NO OUTDOOR SPACE?
Don’t have a garden but still want your food to pack a
punch? Copy the chef’s secret weapon and grow your own
microgreens (baby herbs) on a windowsill. These cost a
fortune in the shops, but they’re a home-grower’s dream.
They need very little soil and don’t demand full sunlight;
the best ones are coriander, thyme, mint and sage.
GARDEN GANG
For people with outdoor space, now is the time to plant tender
herb seeds such as basil, marjoram and coriander. Sow them
indoors and move them outside after the risk of frost has
passed. Do the same with hardier herbs like mint, oregano,
rosemary, thyme and sage; these can live outside all
year round once they’re established though. Tasty.
Go on…
get your
hands dirty
SMART MOVE
Grow unusual herbs that
you won’t easily find in
shops – orange thyme is
great with duck, while
lovage loves pork and
tomatoes.
SAINSBURYSBANK.CO.UK/MONEY-MATTERS
09_At_Home_Opener_V3.indd 2
9
13/01/2016 13:13
H O M E : H O T T O P IC
HOW DO YOU SAVE FOR THE BIG THINGS
IN LIFE, LIKE BUYING A HOUSE?
Everyone knows that
mums really do know best.
To celebrate Mother’s Day
on 6 March, writer Cherry
Casey met Mary Hughes, 91,
her daughter, Penny Murray,
65, and granddaughter, Abby
Simpson, 32, to discover the
money tips they swear by…
Mary That’s something
that’s changed so much. We
decided to rent until we were in
our late forties! It felt like an exorbitant
amount of money then – I don’t know
how Abby’s generation can do it.
Penny I actually bought my first home
before Mum did. But it was still difficult
because in those days mortgage lenders
would only take a third of a woman’s
wage into account. My then-husband
and I had been living in Chiswick but
had to move to Northamptonshire to
find something we could afford to buy.
Abby That’s terrible! My boyfriend Mark
and I would love to buy somewhere
next year. I want to own a house before
we have children so we can paint the
S
’
M
U
M THE
nursery without worrying. I’m looking
at first-time buyer schemes at the
moment, such as the government
help-to-buy ISA.
WHAT’S THE BEST MONEYSAVING TIP YOU PICKED UP
FROM YOUR MUM?
Penny I’m surprised by how
few people realise how much
you can save on food shopping. If you get
cheaper cuts of meat, like beef shin or
pork shoulder, and cook them for longer,
you can save a fortune. That’s definitely
something I picked up from Mum.
Abby These two are amazing cooks and
I’ve learned from them that cooking
from scratch is much cheaper – and you
end up eating better food too.
10 SAINSBURYSBANK.CO.UK/MONEY-MATTERS
10-11_Mums_The_Word_V5_R1.indd 10
13/01/2016 12:43
ARE YOU SPLURGERS
OR SAVERS IN THE MAIN?
Abby We’re all very good at
spending – it’s a family trait – and
these two spoil me absolutely rotten.
Penny Mum spoiled me when
I was younger and I like to
do the same for my children.
When Abby’s car needed fixing
recently, I paid for it. I don’t have the
resources to give her huge amounts
of money, so I like to save it up to
spend on her as and when I can.
Mary I like to spend too, and use my
credit card all the time. It’s always paid
off by Direct Debit every month as I hate
outstanding bills of any sort.
D
R
O
W
ANY FAMILY BUDGETING
TRICKS THAT YOU USE TO
KEEP OUT OF THE RED?
Mary We didn’t have a lot of
money when we were first married, but
I didn’t have a budget as such. We just
made sure we never spent more
than we had and never built up
any debt because I couldn’t bear
the idea of paying interest!
Penny I’m the same as Mum in
that respect. I use credit cards
and store cards to get more
points, but pay them off as
soon as the statement comes
in. I keep every credit card
slip and check each statement
carefully. I’ve spotted fraudulent
transactions three times that way.
Abby I do have debts unfortunately,
but I think it’s different for our generation
– student loans and credit cards are so
‘normal’ that interest is just something
you accept. I’ve got better with
budgeting though, and now have
a spreadsheet where I put what’s
going out when – TV licence, car
insurance – so I know how much I
have left to spend each month.
GENERATION
GAME
Everyone says things
were so much cheaper/
better/different when
they were younger, so
let’s find out
The average annual
salary† in…
1946: £380
1976: £4,419
2016: £26,500
The average age
people had their
first child* in…
1946: 29
1976: 26
2016: 30
The average
house price* in…
1946: £1,459
1976: £12,704
2016: £197,000
The average cost of
a roast chicken† in…
1946: 16p
1976: 93p
2016: £6
LOOKING
FOR A
CREDIT CARD
THAT’S RIGHT
FOR YOU?
Sainsbury’s offers
a wide range of credit
cards. To find out
which is best for you,
see p22 or visit
sainsburysbank.
co.uk/cards.
10-11_Mums_The_Word_V5_R1.indd 11
WORDS: CHERRY CASEY. ILLUSTRATION: TONWEN JONES. *FIGURES FROM THE OFFICE OF NATIONAL STATISTICS. †FIGURES FROM THE BANK OF ENGLAND
Mary Saying that, I’m going backwards
with age and do buy the odd ready meal
now and then!
13/01/2016 12:43
A
T
L
O
K
T
A
D
B
E
O
E
U
N
T. . .
E
W
BEING A
GUEST
The average guest spends £448 attending a wedding,
with an extra £150 for the hen or stag do. We share
some savvy ways to save on the gifts, the outfit and
the travel (without offending anyone!)
12-13_Weddings_R1.indd 2
14/01/2016 14:37
THE STOPOVER
BUY A SMALLER PRESENT
If you’re close to the happy couple,
hunt down a thoughtful gift that reflects
their hobbies or interests. Sites such
as notonthehighstreet.com and etsy.
com have everything from personalised
custom portraits to cookery courses. If
you’re not so close with the new Mr and
Mrs, get in quick and buy a cheaper item
from their list before someone else does.
Blogger Emma Bradley of
mumssavvysavings.com
likes the good things in life,
for a great price. That goes for travel too
BILLION
The amount Brits
spent on attending
weddings in
**
FIND A BETTER DEAL
ON A MID-PRICED ITEM
It’s a golden rule, but one that many
forget in the heat of buying a pressie:
always shop around for a deal and
then track the price via sites such as
lovesales.com in case it drops further.
If you’re going down the voucher route,
buy cut-price vouchers at zeek.me (often
for as much as 10% cheaper). You can
use Nectar points or extra promotional
discounts (visit vouchercodes.co.uk)
for more savings before finally buying.
CROWDFUND A BIG GIFT
Join with other wedding guests to chip
in for a more expensive gift such as
the honeymoon by using sites such as
shareagift.com or patchworkpresent.
com. With both of these, you can have a
lot of fun creating a beautiful, inspiring
page, then select one guest to collect all
the donations to give on the big day.
The average cost
of a stag do for
British men*
THE OUTFIT
Tu fashion editor Torri
Mundell on how to look
super stylish, no matter
how many weddings you go to this year
GETTING THERE
Travelling to weddings can become
quite expensive, so car share where you
can to split the cost of getting there.
Consider hiring a minibus if there’s a
group of you going from the same area.
If no one wants the responsibility of
driving, then booking train tickets well
in advance – around 12 weeks is the
optimum – can save you loads. If you
travel regularly with a friend or partner,
a shared railcard (twotogether-railcard.
co.uk) can save a third on rail fares.
Don’t ignore first-class tickets. On
occasions, I’ve found these for the same
price as standard. In addition to that
feeling of ‘luxury’, you can tuck into the
complimentary food and save on lunch.
SUITS YOU, SIR
Men have it easy as a classic suit never
goes out of style, while women’s trends
change all the time. Capitalise on this by
snapping up a well-cut suit in a versatile
mid-tone grey or blue. Make it last for a
few years by mixing it up with current
accessories. It’s not just about getting a
fancy new tie – try a pocket square, belt,
cuff links, braces and a waistcoat.
FOR THE LADIES
For a quick win, take a dress or outfit
that you already own, but throw in
something new to reinvent your look.
Sparkly shoes are an easy fix while
oversize earrings make more of a style
statement. Alternatively, transform last
year’s dress with a sumptuous jacket
(think metallic, embroidered or sparkly).
If you’re the type who never wears an
outfit twice, try designer dress rental
sites like girlmeetsdress.com or
chic-by-choice.com. I once got my
hands on a Victoria Beckham dress for
£70! They can be a real stress-saver,
delivery times are super quick and you
can order a couple of dresses to try on
and just pay for the one you like.
The average amount women
will splash out on a new
wedding outfit †
STAYING THERE
Places on airbnb.co.uk are cheaper
than a hotel and can accommodate
larger groups – great if you just need
somewhere to get changed beforehand
and crash out after the do. If your wedding
calendar is really full, you could put your
own place on a site like ownersdirect.
co.uk to cash in while you’re away.
SAVING FOR A BIG DAY?
Sainsbury’s Fixed Rate Saver offers a
fixed rate of interest for 1-3 years so you know
exactly what return you’ll get. See p22 or
visit sainsburysbank.co.uk/saving.
SAINSBURYSBANK.CO.UK/MONEY-MATTERS
12-13_Weddings_R1.indd 3
*NATIONWIDE.CO.UK SURVEY; **GOODHOUSEKEEPING.CO.UK; †PROMOTIONALCODES.ORG.UK SURVEY. WORDS: PENNY GOLIGHTLY, TORRI MUNDELL, EMMA BRADLEY. PHOTOGRAPHY: GETTY IMAGES
?
THE GIFT
Undercover bargainhunter Penny Golightly
gives her unique take on
how to avoid gift-gate
13
14/01/2016 14:37
H O M E : IN S ID E R T IP S
6 of the best
We asked the UK’s top thrifty, foodie and fashionable money-savers for
their hush-hush tips on how to give your finances a buff and polish
1
OUTDOOR
WORKOUT
Is your gym membership
too expensive? Then how
about free gym sessions?
The Great Outdoor Gym
Company has over 500
free-to-use outdoor
community gyms in the
UK – find your nearest
at tgogc.com. Next
to the equipment are
instructions and a QR
code to link to fitness
trainers via YouTube.
Some of the equipment
has even been upgraded
to produce energy while
it’s being used so you
can charge your mobile
while you’re working out.
Amazing. A brilliant way
to keep yourself lean
and your wallet fat.
Peter Millikin,
finance blogger at
youcouldsave.
co.uk
2
PREVENTION IS BETTER THAN CURE
The biggest bills you’ll face could be from your vet,
so do everything you can to avoid unnecessary visits.
Buy the best food you can afford, get rid of fleas and ticks
straight away, and get a pet first-aid kit to safely treat minor
cuts and scrapes at home. It’s also worth taking advantage
of the Dogs Trust free microchipping events (it will be law
from April for all dogs in the UK
to be microchipped) to help
reunite you with your dog
should it go missing.
Jessica Maccio, blogger at velcrodog.co.uk
3
Double bill
Open a joint ‘bills only’ account with your
partner and never miss a payment date again.
Step 1 Tot up how much your bills will be each month.
Step 2 Agree how to split the overall cost between you
– if one earns more, they pay more, for instance.
Step 3 Set up standing orders to transfer the agreed
amount automatically into the bills account at the
beginning of each month.
Step 4 Don’t forget to change the Direct Debit
details of your bills to your new account.
Jenni Tulip, blogger at thethriftymagpiesnest.co.uk
WORDS: PETER MILLIKIN, JESSICA MACCIO, JENNI TULIP, DANIELLE WELTON, TORRI MUNDELL, LINZI BRECHIN. PHOTOGRAPHY: SHUTTERSTOCK, MITCH PAYNE
T H E B LO G G E R S ’
14 SAINSBURYSBANK.CO.UK/MONEY-MATTERS
14-15_TOPSECRET_V3_1_R1.indd 14
13/01/2016 12:42
*DAILY MAIL, 2011. FIGURES ADJUSTED FOR INFLATION ACCORDING TO THE BANK OF ENGLAND
WORDS: PETER MILLIKIN, JESSICA MACCIO, JENNI TULIP, DANIELLE WELTON, TORRI MUNDELL, LINZI BRECHIN. PHOTOGRAPHY: SHUTTERSTOCK, MITCH PAYNE
4
Coffee canny
We all have money vices,
with mine being those all
too frequent (two a day)
coffees I buy out. I’ll never
give them up, but these
tricks help justify them…
Sign up to My Starbucks Rewards and
you get one free coffee for every 15 you
buy – and a free cup on your birthday.
If you’re an independent coffee shop
fan, use a loyalty card and keep it in your
purse so it’s handy every time you visit.
It’s also worth making friends with
your local baristas. Mine give me free
stamps and tell me where the
best Wi-Fi spot is.
Get freshly roasted
coffee delivered to your
door by joining a coffee
club like Pact, which
sends bags of artisan
coffee for £6.95 (your
first is just £1!).
Find it
online
Looking to save on food costs?
sainsburysbank.co.uk/
money-matters/
food-shopping
-for-less.shtml.
Coffee-addict Danielle Welton can be
found sipping flat whites @EditorWelton
5 WARDROBE WARS
Cultivate a killer instinct when clearing your wardrobe. If it doesn’t
make you look or feel great, give it a new home – and make a few
pounds while you’re at it. The best place to sell your neglected
designer accessories is via an online consignment site like
vestiairecollective.com – it’s catnip for shoppers after discounted
designer pieces. My advice, though: just don’t start browsing!
Sainsbury’s Tu fashion editor Torri Mundell. Find her @Editorri
6
PIZZA THE ACTION
According to a report in the
Daily Mail, the ingredients
for a Domino’s margherita
cost around £1.36 but the
finished pizza is sold on for
about £13.50 (which is almost a
900% markup*). It might be time
to save loads of dough (sorry) by
doing it yourself.
Here are three ways to spend
less on your favourite takeaway:
Pizza dough is actually really
easy to make and it freezes well,
so always make double. Divide
into portions then wrap tightly in
cling film and freeze. Take it out to
defrost in the morning and it will
be ready to roll by dinner time.
Leftover parmesan? Add it to
your homemade pizza dough for
extra flavour.
If you don’t want to make your
own dough, try using wraps, naan
breads or even crumpets instead.
Spread with a little pizza sauce and
scatter over your chosen topping,
then bake until bubbling.
Linzi Brechin, food team
manager, Sainsbury’s Magazine
@lbreeks
SAINSBURYSBANK.CO.UK/MONEY-MATTERS
14-15_TOPSECRET_V3_1_R1.indd 15
15
13/01/2016 12:42
HOME: YOUR PETS
“Whether you’re at
work or on-the-go, you
can see, chat to and
remotely play with your
pets via a laser pointer”
I CAN SEE YOU!
SECRETS AND
SPIES
WORDS: LINSEY FRYATT. PHOTOGRAPHY: GETTY IMAGES
The hi-tech gadgets that will
keep an eye on your pets
while you’re out and about
W
e’re a nation of pet lovers, but how can we make
sure our beloved animals are safe and happy when
we can’t be with them 24/7? The answer: we go all
super-spy on our furry friends and kit them out
with trackers, cameras and more.
TRACK AND TRACE
While the owner’s away, pets can stray,
so this lightweight (25g) GPS tracker
will keep tabs on them. Small enough
to clip to a collar and precise to the
nearest three metres, you’ll save time, costs and stress
should your pet go missing. You can also be alerted if it
strays out of predetermined ‘safe zones’. weenect.com,
from £89.99 (plus top-ups for the built-in SIM card)
Want to know what your cats and dogs
get up to when you’re out? Then get
Petcube, the secret weapon of
tech-smart pet owners. It’s a camera,
microphone and speaker in a stylish aluminium cube
that connects to a mobile app via your home’s Wi-Fi. This
means that while you’re at work or on-the-go, you can
see, chat to and remotely play with your pets via a laser
pointer. Genius. petcube.com, $199 (ships to the UK)
FITBIT FOR FIDO
This wearable fitness tracker for dogs will
tell you if your pooch is overweight. It
provides analytics on their size, breed
and age along with targets to ensure they
get the proper amount of exercise to keep them in tip-top
health. Did we mention that it’s shaped like a tiny bow tie
and available in colours such as Dogquamarine Blue and
Puppy Purple? wonderwoof.com, £119 (ships to the UK)
EARLY WARNING SYSTEM
LINSEY FRYATT
Tech-guru and catfanatic Linsey edited
stuff.tv and writes
for various European
business titles. When
not spying on her
cat, Betty, she can be
found stretching her
boundaries with her
own pilates business.
Collecting pet wee might sound like an
odd pastime, but this DIY screener and
smartphone app could save you a small
fortune in vet’s fees. The kit consists of
reactive strips that change colour when in contact with
urine – these are scanned by the app, giving owners an
indication of potential illnesses. As always, if you have
any concerns about your pet’s health, contact your vet.
petnostics.com, from $9.99 (ships to the UK)
WANT PET PEACE OF MIND?
Find the right cover to suit your pet’s
needs with Sainsbury’s Pet Insurance,
provided by Allianz Insurance plc.
Visit sainsburysbank.co.uk/pets or see
p23 for more information.
16 SAINSBURYSBANK.CO.UK/MONEY-MATTERS
16_Pets_V3_1_R1.indd 2
13/01/2016 11:58
OUT AND ABOUT
Smart ways to spend and save on-the-go
An open bag of
charcoal left in the car
overnight removes
nasty niffs (the
charcoal absorbs
moisture and any
associated smells).
thriftyfun.com
SMART MOVE
IF YOU ONLY DO ONE THING…
VALET YOUR CAR – THE WEIRD WEB WAY
Super-shiny headlights?
Squeeze toothpaste
on to an old pair of tights
and scrub away.
cleanmyspace.com
Washing your car on a sunny
Sunday may well be a British
institution, but it’s better
to do it in the cool of the
evening. Hot days and direct
sunlight dry the car too
quickly, leaving paintwork
covered in smears.
Your car is probably the most expensive
thing you own (after your house), so how
do you keep it looking great without
spending a fortune on professional
valeting? We unearth some surprising
solutions from the web’s biggest petrol
heads and life hackers…
WD-40 is
perfect for
getting bird poo
off – spray on,
leave for a bit
then wipe off.
lifehacker.com
An old, clean make-up brush is
perfect for clearing dust out of the
air vents. familyhandyman.com
WORDS: AMANDA MORGAN. PHOTOGRAPHY: MITCH PAYNE
Smooth peanut butter will remove sticky residue
from windows; the oil in the butter unsticks the glue.
geeksoncars.com
HITTING THE ROAD?
Cola will clean bugs off windscreens (place a towel at
the bottom of the screen to stop cola getting on the
paintwork, and rinse well). wonderhowto.com
Sainsbury’s offers two levels
of comprehensive car insurance,
underwritten by U K Insurance
Limited. See p23 for details or visit
sainsburysbank.co.uk/car.
SAINSBURYSBANK.CO.UK/MONEY-MATTERS
17_Opener FINAL_V3_1.indd 2
17
14/01/2016 13:11
COW DODGING IN COLOMBIA
WHAT DO YOUE
THINK YOU’R
LOOKIN’ AT?
BAD
VIBES
EMILY PAYNE
Globetrotter Emily
contributes to
the Guardian, the
MailOnline and Travel
Weekly among others.
Follow her journeys
@emilycpayne
5
THINGS
I NEVER
LEAVE HOME
WITHOUT...
Travel insurance
– you never know
when you’ll be
chased by a mad cow
A phone bundle deal
for free/cheap Wi-Fi
and satnav
A journal – it’s still
comforting to write
things down
Google Now – it
sends me flight
details and the
weather at my
destination
A travel money card
that I’ve pre-loaded
with the currency of
where I’m going
EVOKING EVIL SPIRITS IN MADAGASCAR
In Madagascar, taboos are known as fady; in some
regions it’s fady to point at tombs while in others it’s
fady for pregnant women to eat eels.
One assignment involved tracking the elusive blueeyed black lemur in the Sahamalaza Peninsula in the
rugged north-west. Along with a group of scientists,
I trekked for two days to a rustic camp in the jungle.
My bedroom was a tent; my bathroom a cluster of
shaded rock pools. It was blissfully simple. But there
was one stumbling block (literally). One of the pools
was fady. If you dipped a toe in it, it was thought you’d
evoke evil spirits and invite a lifetime of bad luck.
Every evening after trekking through rainforests in
tropical heat, I’d head to the ‘bathroom’ for a refreshing
splash, being very careful to avoid this unmentionable
pool. But given my naturally clumsy disposition, it was
only a matter of time before I tripped on a loose stone
and fell face-first straight into it. I’m still waiting for a
visit from those spirits.
FANCY A TRIP ABROAD?
Nectar card holders can enjoy a
discount on Sainsbury’s Travel Insurance
when they buy online. Underwritten
by Cigna Europe Insurance Company
S.A-N.V. See p24 for details or visit
sainsburysbank.co.uk/travel.
SAINSBURYSBANK.CO.UK/MONEY-MATTERS
18-19_TravelWriter_V5_R1.indd 3
WORDS: EMILY PAYNE. PHOTOGRAPHY: SHUTTERSTOCK
Just outside Bogotá is Colombia’s mountainous
coffee region. Forested peaks tower so high they
touch the clouds, toucans glide through the air and
rare orchids decorate the foliage.
This fertile wilderness – where FARC rebels once
dodged the government in jungle hideouts – is also
prime birdwatching territory.
Along with a band of keen birders, I was staying
at an eco hotel halfway up a mountain with no
electricity and spiders the size of my hand. Returning
from a successful expedition spotting quetzals (tropical
birds with green and red plumage) and rainbowcoloured tanagers (small song birds), we noticed a
young bullock trundling up the rocky path towards
us. His owner, a daydreaming youth, was close behind.
As we got closer, the animal seemed edgy. Breaking
free from his shackles, he began to trot, run, and then
sprint in our direction. ‘Cow!’
someone yelled. I felt a sharp
thwack like a bolt of lightning
to my side. Next thing I
knew, I was being thrown
into a bush by a fellow
birdwatcher. I came within
an inch of being crushed
to a pulp. The erratic
bovine galloped off.
19
14/01/2016 13:18
O U T & A B O U T: T H R IF T Y F U N
SPRING FAMILY
FUN THAT WON’T
BREAK THE BANK
This season there’s lots of fun to be had,
whatever your budget. Secret shopping guru
Penny Golightly points us in the right direction
WORDS: PENNY GOLIGHTLY. PHOTOGRAPHY: ALAMY
FREE
Have your kids done
something fab they’d
like to shout about? Tell
Blue Peter about it and
they could win a coveted
Blue Peter badge that
gets them (not you,
unfortunately) free entry
into over 200 attractions
across the country. The
badges are awarded to
kids who send in original
and interesting letters,
emails and stories – so
get your thinking caps on.
SAY HELLO
TO THE
NECTAR APP
Search online for ‘apply
for a Blue Peter badge’
and follow the links.
UNDER £5
Not sure what to do with
the kids over the Easter
break? Cadbury and
the National Trust are
teaming up to create
‘Eggsplorers’ Easter
egg hunts at over 250
venues in England, Wales
and Northern Ireland.
Entry is priced at £2 per
head, and all children will
receive a chocolate treat.
UNDER £10
Also on an Easter theme,
look out for fairs and
festivals, such as the
Easter Fair & Farm Friends
at Castle Howard, near
York. There’s loads to keep
kids of all ages happy;
the fair is free, but you’ll
need to pay for entry to
the gardens. Adult tickets
are £9.50, children £6.
UNDER £20
Take advantage of the
Kellogg’s ‘Grown-Ups Go
With the Nectar
app in the palm of
your hand, the best
bits about Nectar are only a tap
away. Download the app to your
smartphone today and you’ll be
Free’ offer (valid
up to 30 June
2016), for big savings
on tickets for Thorpe
Park, Legoland, Sea Life
Centres & Sanctuaries,
Aquazone at the National
Aquatic Centre Dublin
and many more.
A BIT MORE
(BUT CHEAPER
THAN GOING
ABROAD)
The YHA isn’t just for
students. It has private
family rooms in several of
able to see your points balance
as well as all your account activity
instantly. It’s the easy way to stay
up to date with your tailored offers
and new ways to spend your points,
including days out, restaurant
its hostels,
starting
from as low as
£39 per night.
They’re in some
amazing locations around
the UK and close to
many tourist attractions,
making them the perfect
base for cheap breaks
away with the kids. You
can self-cater to keep
your costs down even
more. It’s also worth
signing up to their
newsletter to get extra
deals and voucher codes.
meals, cinema trips, holidays,
gadgets and more. Unmissable
offers are added weekly giving
you even more choice… and more
points! The Nectar app is available
for both iOS and Android devices.
20 SAINSBURYSBANK.CO.UK/MONEY-MATTERS
20_Family_Activities_V4.indd 2
13/01/2016 12:18
A B O U T: T R AV E L
Want a fabulous
summer break…
Home truths: the
in someone else’s
Princes swapped
a life in the UK for
house? Annaa life of travel
Louise Dearden
jumps aboard the
sharing economy train
and shows you how to
swap your way to a
cheaper holiday
WORDS: ANNA-LOUISE DEARDEN. PHOTOGRAPHY: COURTESY OF LOVEHOMESWAP.COM, SHUTTERSTOCK.
*ALWAYS CHECK WITH YOUR INSURANCE PROVIDER THAT YOU’RE COVERED FOR HOUSE SWAPPING
E
xchanging homes with a stranger
might sound daunting, but the
drastically reduced cost makes it well
worth it – the average home swapper
can save up to £2,000.
Home exchange clubs have been
around since the 1950s, but swapping
really peaked in 2011 when the tough
economic climate spurred more than
three million Brits into ditching the hotel
and living like a local in someone else’s
home. The trend shows no signs of
slowing down, with one in five people
having signed up to a holiday swap shop*.
A GLOBAL FAMILY
ADVENTURE
On 8 March 2014, Dan and
Clair Prince quit their jobs
and left their home for an
amazing adventure – to
travel the world with their
four children for as long as
possible, without spending
a penny on accommodation
along the way.
“It was a decision we
agonised over, but it was
obvious that we weren’t
spending enough family time
together. We wanted to slow
down to enjoy life while the kids
were still young,” says Dan, 38.
Eighteen months on, and
they’re still travelling. Their
HOUSE
SWAPPING
101
secret? Using the sharing
economy and signing up to
lovehomeswap.com to home
swap their way around the world
on a budget.
“The average British family
spends up to two months’ salary
on their summer holiday, a good
percentage of that cost going on
accommodation,” says Clair. “As a
family of six, hotel bills rack up when
paying for two rooms, so we thought
we’d try another way.”
The ‘other way’ paid off, meaning the
Princes have so far home swapped their
way through Cambodia, Croatia, Dubai,
England, Italy, Australia, New Zealand,
France, Switzerland, Thailand and the
USA. They’re still going strong and
estimate that home swapping has saved
them around £35,000 (about £200 a
night) in accommodation.
For Kaitlyn, 10, Sophia, 8 and
4-year-old twins Lauren and Samuel,
the experience has changed them
enormously. They’ve grown in
confidence and learned about history,
geography and other cultures through
their own personal connections rather
than in the classroom. “We’re spending
so much time with each other at such a
precious period in our children’s lives,
it’s strengthened our family bonds
immeasurably,” says Clair.
lovehomeswap.com boasts
more than 75,000 homes in
160 countries worldwide
FANCY A TRIP
ABROAD?
Temple run:
Cambodia, just
one stop on the
Princes’ world tour
Nectar card holders can enjoy
a discount on Sainsbury’s
Travel Insurance when they
buy online. Underwritten by
Cigna Europe Insurance
Company S.A-N.V.
See p24 for details or visit
sainsburysbank.co.uk/travel.
SAINSBURYSBANK.CO.UK/MONEY-MATTERS
21_House_Swap_family_V4_R2.indd 2
21
13/01/2016 12:27
Directory
Banking
Your one-stop directory for
important information about
Sainsbury’s Bank products
For information on credit cards, loans and savings
CREDIT CARDS
We offer a range of rewarding credit cards to suit
your needs. Visit us online to find the right card for
you: sainsburysbank.co.uk/cards.
18.9% APR
representative variable.
Existing customers:
CALL 08085 40 50 60
New customers:
CALL 0800 030 4365
Sainsbury’s Nectar Credit Cards are available to new
Sainsbury’s Bank Credit Card customers only. We
treat all our customers and their applications
for a Sainsbury’s Nectar Credit Card on an individual
basis. The interest rate and credit limit we offer are
determined by the details you supply, along with an
independent verification of credit and repayment
history. Credit available subject to status to UK
residents aged 18 or over from Sainsbury’s Bank plc,
Pitreavie Business Park, Dunfermline, Fife KY99 4BS.
Sainsbury’s Nectar Credit Cards Nectar points
conditions: 2 Nectar points are collected on each
full £1 of each separate shopping and fuel transaction
at Sainsbury’s. Excludes all bonus points offers and
points from Sainsbury’s Telecoms and Energy, which
will be treated as non-Sainsbury’s purchases. For
non-Sainsbury’s purchases 1 Nectar point is collected
on each full £5 of each separate transaction. Travel
Money purchases are not eligible for points. Nectar
points are awarded to you by Sainsbury’s
Supermarkets Ltd and Sainsbury’s Bank plc, who
reserve the right to alter or terminate the Nectar
point offer at any time, but will give as much notice
as is reasonably possible before doing so. Points
may take up to six weeks to appear on your account.
The Nectar loyalty programme is operated
independently of Sainsbury’s Bank by Aimia Coalition
Loyalty UK Ltd, and the collection and use of points
is governed by the Nectar Collector Rules, which are
set out in the registration pack and are also available
at nectar.com.
Sales lines are open 8am-10pm Monday to Friday,
and 8am-7pm Saturday and Sunday. Service lines are
open 8am-midnight Monday to Friday, and 8am-6pm
Saturday and Sunday. Telephone calls may be
recorded for security purposes and monitored under
our quality control procedures. Calls are free from a
landline and from a mobile when calling from the UK.
Information correct at time of print. Actual offers and
product features are subject to change. Check the
website for details of current credit card offers.
£ LOANS
From £1,000 to £35,000 – visit us online to
use our loans calculator or find out more:
sainsburysbank.co.uk/loans.
CALL 0800 055 6739
Loans are provided, subject to status, by
Sainsbury’s Bank plc, Tower House, Charterhall Drive,
Chester CH88 3AN. Written quotations are available
on request. To apply, you must be at least 18 and a
UK resident (excluding the Channel Islands and the
Isle of Man). You must also be in paid employment,
self-employed or retired with a pension. The rate
you are offered will depend on your personal
circumstances, credit assessment procedures and
other related factors. Your application will not be
considered without your home telephone number.
The rate is subject to change.
Personal pricing: As we treat all our customers and
their applications on an individual basis, the APR we
offer is determined by the details you supply, along
with an independent verification of your credit and
repayment history. We’ll let you know your interest
rate as soon as we’ve assessed your application.
Data Protection Act: To see how we use your
information and how to give your consent, please
read the privacy statement on our website
sainsburysbank.co.uk/privacypolicy or ask for
a printed copy. We will search credit reference and
fraud prevention agencies to check your identity,
credit status and help us make decisions. For this
application, we will assess you on your own (except
where there is another party to this application). By
signing/submitting the application, you declare that
your financial associate’s finances will not affect our
decision. We check your declaration and may decline
the application if it is inaccurate. If false or inaccurate
information is provided and fraud is identified, details
will be passed to fraud prevention agencies to
prevent fraud and money laundering. Further
details explaining how information held by the
fraud prevention agencies may be used can be
obtained by reading the privacy notice at
sainsburysbank.co.uk/privacypolicy.
Lines are open 8am-10pm Monday to Friday,
8.30am-6pm Saturday and 9.30am-5.30pm Sunday.
Telephone calls may be recorded and monitored
under our quality control procedures. Calls are
free from a landline and from a mobile when calling
from the UK.
SAVINGS
Choose between easy access with our Extra Saver,
tax-free interest with our Cash ISA, or fixed returns
from our Fixed Rate Saver. Visit us online to find out
more: sainsburysbank.co.uk/saving.
CALL 08085 40 50 60
Savings accounts are available from Sainsbury’s
Bank to UK residents aged 18 years old or over.
Information correct at time of print. Accounts
subject to availability. Sainsbury’s Bank reserves
the right to alter rates at any time. Our savings
products are covered by the Financial Services
Compensation Scheme.
Lines are open 8am-10pm Monday to Friday,
8am-6pm Saturday and Sunday. Calls are free from a
landline and from a mobile when calling from the UK
and may be recorded for security purposes and
monitored under our quality control procedures.
Find it
online
Keep up to date on the latest
Sainsbury’s Bank offers at
sainsburysbank.co.uk
sainsburysbank.co.uk
22 
SAINSBURYSBANK.CO.UK/MONEY-MATTERS
22-24_DIRECTORY_V4_R1.indd 24
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Insurance
HOME INSURANCE
Every home is different, that’s why Sainsbury’s Bank
offers a choice of combined buildings and contents,
contents only or buildings only cover.
CALL 0800 260 0711
Sainsbury’s Home Insurance is underwritten by U K
Insurance Limited, Registered office: The Wharf,
Neville Street, Leeds LS1 4AZ. Registered in England
and Wales, no. 1179980. U K Insurance Limited is
authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the
Prudential Regulation Authority.
Lines are open 8am-9pm Monday-Friday, 9am-5pm
Saturday and 10am-5pm Sunday. Telephone calls may
be recorded and monitored under our quality control
procedures. Calls are free from a landline and from a
mobile when calling from the UK.
CAR INSURANCE
Choose from two levels of comprehensive Car
Insurance, both designed to get you where you
want to be.
CALL 0800 096 1963
Sainsbury’s Car Insurance is underwritten by U K
Insurance Limited, Registered office: The Wharf,
Neville Street, Leeds LS1 4AZ. Registered in England
and Wales, no. 1179980. U K Insurance Limited is
authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the
Prudential Regulation Authority.
Lines are open 8am-9pm Monday-Friday, 9am-5pm
Saturday and 10am-5pm Sunday. Telephone calls
Take out a qualifying Sainsbury’s Bank Insurance
policy and you can enjoy double Nectar points every
time you shop or fill up with fuel at Sainsbury’s for
two years*. Qualifying products include:
•H
ome Insurance (Premier Cover combined
buildings and contents)
• Car Insurance (Premier Cover)
• Pet Insurance (Premier or Premier Plus Cover)
• Life Insurance (including Over 50s)
• Annual Travel Insurance
To receive double Nectar points, you must quote and
purchase direct from Sainsbury’s Bank. Cover must
be renewed at a qualifying level of cover at first
renewal for double points to continue in second year.
Only available to new customers.
*Double Nectar points terms and conditions:
1 Qualifying accounts: only available to customers
taking a new qualifying Home, Car, Pet, Life (including
For information on Home, Car, Pet and Life Insurance
may be recorded and monitored under our quality control
procedures. Calls are free from a landline and from a
mobile when calling from the UK.
PET INSURANCE
Pet Insurance offers a great way to protect against
unexpected and often expensive vet bills.
CALL 0330 100 7973
Sainsbury’s Pet Insurance is sold, underwritten and
administered by Allianz Insurance plc registered in
England no. 84638. Registered office: 57 Ladymead,
Guildford, Surrey GU1 1DB. Allianz Insurance plc is
authorised by the Prudential Regulation Authority
and regulated by the Financial Conduct Authority and
the Prudential Regulation Authority. Allianz Insurance
plc is on the Financial Services Register, registration
number 121849. Sainsbury’s Bank and Allianz Insurance
plc are not part of the same corporate group. Remember,
you can take out a new policy if your cat or dog is older
than eight weeks but has not yet reached their ninth
birthday. However, once purchased, cover can continue
up to any age if you renew the existing policy without a
break in cover.
Lines are open 8am-8pm Monday to Friday and 9am-5pm
Saturday. Calls charged at local rates from landlines and
mobiles. Calls may be monitored and recorded under our
quality control procedures.
LIFE INSURANCE
Life Insurance is a straightforward way to help provide a
financial safety net for your family if you die during the
policy term. Cover starts from £5 per month.
CALL 0800 294 9076
Over 50s) or Travel Insurance policy. Only the first
account/policy of each of these five types registered
against each Nectar account is eligible. Quote must have
originated on the Sainsbury’s Bank website or on the
telephone. Quotes and subsequent accepts from price
comparison sites will not be eligible for double Nectar
points. Home insurance: combined buildings and contents
Premier Cover Home Insurance policies only. Car
insurance: Premier Cover Car Insurance policies only. Pet
Insurance: Premier or Premier Plus policies only. Life
Insurance & Over 50s Life Insurance: you must continue
to pay policy premiums for two years to continue
collecting double points. Travel Insurance: Annual Travel
Insurance policies only.
2 Start date for double points: for insurances, the start
date is the policy cover start date.
3 Points calculation: base points on qualifying spend in
Sainsbury’s are collected as normal. At the end of each
calendar month, we will total the number of base points
you collected while you held each qualifying account. A
bonus equal to this total (subject to a monthly max of
1,250 points per qualifying account) will be paid by the
10th of the following month, for up to 24 months. Bonus
point offers and points from Sainsbury’s Energy, Telecoms,
Digital Entertainment, eBooks, Bank and all other
Life Insurance is provided by Legal & General
Assurance Society Limited. Registered in England
and Wales, no. 166055. Legal & General is
authorised by the Prudential Regulation Authority
and regulated by the Financial Conduct Authority
and the Prudential Regulation Authority. Legal
& General does not provide advice or personal
recommendations on this product. If you are
unsure of your suitability, please contact your
financial adviser.
Lines are open 8am-8pm Monday to Friday and
9am-5pm Saturday. Telephone calls may be recorded
and monitored under our quality control procedures.
Calls are free from a landline and from a mobile when
calling from the UK.
£15,000 of Parent Free Life Cover terms and
conditions (from p4)
1 If you die before the end of the policy, your policy
will pay out a lump sum of £15,000. You will be
covered for 12 months from the date we receive your
application, provided you meet the eligibility criteria.
£15,000 of Parent Free Life Cover is available to
parents who are UK residents aged 18 up to and
including aged 45 and have a child that has not
yet reached their fifth birthday.
2 Parents must be named on your child’s birth
certificate, full adoption certificate, final residence
order or special guardianship order. Both parents
may apply for cover. Applications can only be made
on one child per household. Customers who currently
have a Life Insurance policy with Sainsbury’s Bank or
Legal & General or have done within the last five
years are not eligible for this offer.
3 The policy won’t pay out if death occurs from
self-inflicted injury, including intentionally taking
your own life, or your death is caused directly or
indirectly from a condition that you’ve had in the
12 months before the start of the policy.
4 Sainsbury’s Bank reserves the right to withdraw
this offer at anytime.
Sainsbury’s services are excluded.
4 Account closure: if your insurance policy is cancelled,
double points will stop from the date of cancellation.
If you don’t renew your home, car, pet or travel
insurance policy at first renewal with a qualifying level
of cover, double points will stop from renewal date.
5 General: the monthly bonus will only be calculated on,
and credited to the Nectar card nominated at the time
of application. The nominated card must also be used at
the time of each Sainsbury’s purchase and points will
not be allocated retrospectively. Nectar points are
awarded to you by Sainsbury’s Supermarkets Ltd. The
Nectar loyalty programme is operated by Aimia Coalition
Loyalty UK Ltd. The collection and use of points is
governed by the Nectar Collector Rules set out in the
registration pack and available at nectar.com
6 Sainsbury’s Bank reserves the right to alter, cancel
or withdraw this offer without prior notice.
Important information
Home insurance and Car insurance: underwritten
by U K Insurance Limited. Pet Insurance: sold,
underwritten and administered by Allianz Insurance
plc. Life Insurance and Over 50s Life Insurance:
provided by Legal & General Assurance Society Ltd.
Travel Insurance: underwritten by Cigna Europe
Insurance Company S.A-N.V.
Information is available in large print, audio and braille. Please get in touch with us for details. If you wish to
contact us using Text Relay, please dial the relevant product number provided above, with the prefix 18001.
SAINSBURYSBANK.CO.UK/MONEY-MATTERS 
23
Travel services
For information on travel money and Travel Insurance
TRAVEL MONEY
Great exchange rates on foreign currency – order
online or by phone for next day home delivery* or
collect from one of over 200 instore bureaux**.
CALL 0845 30 12 724
*Next day delivery to your home if purchased by
2pm (online) or 2:30pm (phone), Monday to
Thursday. Excludes bank holidays. Delivery charge
of £3.95 applies on minimum orders of £100£499.99. Free delivery on orders of £500 or more.
**Orders collected at instore bureaux – euros and
US dollars can be collected next day, other currencies
in three days. A £1.99 administration fee applies to
all online orders under £100 collected instore. By
phone – call 0845 30 12 724 for home delivery on
orders over £100.
Lines open 8am-10pm Monday to Friday, and
10am-8pm Saturday and Sunday, plus bank holidays
(some bank holidays may vary). Calls will be charged
at 2p per minute plus your normal access charge. Calls
may be monitored or recorded for our quality control.
TRAVEL
INSURANCE
Enjoy carefree travel with Sainsbury’s Travel
Insurance, plus up to 25% off for Nectar card holders
when you buy online*.
CALL 0330 102 5854
PHOTOGRAPHY: SHUTTERSTOCK.
Quote reference: T1738
*Customers will receive a 20% online discount as
standard. To achieve the maximum discount of 25%
when buying online, please quote T1738 and your
Nectar card number. Checks may be made to ensure
that the Nectar card details provided are valid.
Discounts do not apply to the part of the premium
you pay to cover any pre-existing medical conditions.
Sainsbury’s Bank reserves the right to alter, cancel
or withdraw the promotion without prior notice. Offer
cannot be used in conjunction with any other
promotion or coupon. Travel Insurance is
administered by Cigna Insurance Services (Europe)
Limited and underwritten by Cigna Europe Insurance
Company S.A.-N.V.. Cigna Insurance Services
(Europe) Limited is authorised and regulated by the
Financial Conduct Authority. Cigna Europe Insurance
Company S.A.-N.V. is supervised in Belgium by the
National Bank of Belgium and the Financial Services
and Markets Authority, and subject to limited
regulation by the Financial Conduct Authority.
Lines are open 8am-8pm Monday-Friday, 8am-7pm
Saturday and 9am-5pm Sunday. Calls are charged at
local rates from landlines and mobiles.
IMPORTANT
INFORMATION
Sainsbury’s Bank plc, Registered Office, 33 Holborn,
London EC1N 2HT (registered in England and Wales,
no. 3279730) is authorised by the Prudential
Regulation Authority and regulated by the Financial
Conduct Authority and the Prudential Regulation
Authority (Register no. 184514). Sainsbury’s
Supermarkets Ltd is an appointed representative of
Sainsbury’s Bank plc.
And the award
goes to...
We are proud to have won the
following awards
Sainsbury’s Bank was
awarded ‘Best Unsecured
Loan Provider’ in 2015 for the
fourth consecutive year.
Sainsbury’s Bank was awarded
‘Best Online Personal Loan
Provider’ in 2015 for the third
consecutive year – Money Direct.
Your choices and how to contact us
We may use your account details, transactions and
information provided to us by third parties in our
customer contact programme. Occasionally, we
and other parts of J Sainsbury plc may contact you
by letter, telephone, email and text message
or otherwise to inform you about other products
and services that may interest you.
We try to limit our customer marketing programme
to acceptable levels, but if you wish to exercise
your right to opt out, simply write to us at:
Unsubscribe Sainsbury’s Bank, PO Box 4957,
Worthing, BN11 9ZD. Alternatively, you may email
us at [email protected].
Please be aware that these addresses are solely
for the purposes of opting out of a customer
marketing programme.
For other enquiries, please visit our website or
use your existing channels of communication.
Please confirm your name and address on all
communications. Your request may take up to
eight weeks to action.
Please note however, that opting out could stop us
contacting you about any of our products or services
that may benefit you. For example, you may not hear
about a new savings product that offers you a better
rate or a discount that may save you money.
CHECK OUT OUR BLOG
For interesting articles and helpful tips
written by those in the know, visit the
Money Matters blog: sainsburysbank.
co.uk/money-matters
STAY UP TO DATE
ON FACEBOOK
Make sure you ‘like’ Sainsbury’s Bank on
Facebook for even more ways to ‘Spend
and Save Smarter’ this season
sainsburysbank.co.uk
Information is available in large print, audio and braille. Please get in touch with us for details. If you wish to
contact us using Text Relay, please dial the relevant product number provided above, with the prefix 18001.
24
SAINSBURYSBANK.CO.UK/MONEY-MATTERS
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Keeping your holiday money safe
when you’re away can be a worry.
A Sainsbury’s Bank Multi-currency Cash Passport™
MasterCard® means it’s all safe on one easy to use card.
And, get better rates on all card currencies instore
until 29/02/2016*.
Visit sainsburysbank.cashpassport.com
*Better rates on instore Travel Money Card transactions are calculated by reducing our margins on instore transactions when you load or reload money onto a Sainsbury’s Bank Multi-currency Cash Passport™ MasterCard®.
Rates will vary depending on whether you load or reload instore, online or over the phone. This offer only applies to instore transactions. Offer may be withdrawn at any time without prior notice.
Sainsbury’s Bank plc, Registered Office, 33 Holborn, London EC1N 2HT (registered in England and Wales, no. 3279730) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority
and the Prudential Regulation Authority (register no. 184514). Sainsbury’s Supermarkets Ltd is an appointed representative of Sainsbury’s Bank plc. Sainsbury’s Bank Multi-currency Cash Passport™ is issued by R. Raphael
& Sons plc, pursuant to license by MasterCard International Inc. MasterCard® is a registered trademark of MasterCard International Incorporated. R. Raphael & Sons plc is a UK bank authorised by the Prudential Regulatory
Authority and regulated by the Financial Conduct Authority and the Prudential Regulatory Authority (registration number 161302) and is permitted to issue e-money. Head office and registered office at 19-21 Shaftesbury
Ave, London, W1D 7ED, company registration number 01288938.
ZH0610 Travel-Money-MM-15Dec15.indd 1
18/12/2015 09:29
O U T & A B O U T: W IN !
WIN
14 NIGHTS AT
A FOUR-STAR
CAMPSITE IN
FRANCE
All of the Castels campsites are set
in magnificent landscapes, and Domain
du Verdon, in the heart of the Verdon
regional park, is no exception. The
campsite has two swimming pools,
one of which is a dedicated children’s
pool, two playgrounds, and a wealth
of on-site activities such as mini golf,
volleyball and even a nightclub.
The nearby Gorges du Verdon, one
of the largest canyons in the world,
offers a huge variety of water activities,
including rafting, kayaking and hiking.
For the less adventurous, there are
numerous village markets and local
Provençal specialities to try. Discover
more at camping-castels.co.uk.
Also included is a daytime ferry
crossing for a standard car and up to
four passengers between Portsmouth
and Caen, courtesy of aferry.co.uk,
the world’s leading ferry website that
connects over 1800 ferries and 140
ferry operators.
HOW TO ENTER
E
nter now for your chance to
win a fabulous two-week stay
for two adults and up to two
children (aged 18 and under) at
the magnificent Les Castels Domaine du
Verdon four-star campsite in southern
France, staying in a confort mobile home
on a self-catering basis.
Open to Sainsbury’s Bank customers
only. Send a postcard stating your
name, address, email, telephone
number and Nectar card number to:
Les Castels Prize Draw, Sainsbury’s
Bank, PO Box 5181, Bath BA1 0RY; or
email these details to: lescastels@
sainsburysbankmagazine.co.uk. Entry
closes at midnight on 20 March 2016.
Live it up, French style:
fun for all in this
Provençal paradise
Les Castels Domaine du Verdon prize draw terms and conditions The prize is one two-week self-catering break for two adults and up to two children (aged 18 and under) staying in a confort mobile
home, at Les Castels Domaine du Verdon site in France. The prize includes return ferry crossings between Portsmouth and Caen, courtesy of aferry.co.uk, for a standard car plus four passengers on a
daytime sailing (subject to availability at time of booking). Winner should arrange their own insurance cover prior to travelling; winner and guests must have passports valid for at least six months from date
of travel and are responsible for organising any visas. The prize does not include linen or towels, travel other than stated, travel costs such as fuel or motorway tolls, on-site activities, accommodation
cleaning, travel insurance, spending money and additional park expenditure.
General prize draw terms and conditions that apply to this page and the Brooklands prize draw (p7) 1 Open to Sainsbury’s Bank customers resident in the UK (England, Scotland, Wales and
Northern Ireland) aged 18 and over, except employees of the Sainsbury’s Group of Companies, Seven Publishing, their subsidiaries or anyone directly involved in these prize promotions. Only one entry per
person, per draw. No automated, third-party or bulk entries. Responsibility cannot be accepted for incomplete, delayed, wrongly delivered or damaged entries, or those not received for whatever reason.
Proof of posting is not proof of receipt. 2 Entries must be received by midnight 20 March 2016. Prizes must be accepted as offered. 3 The winners will be the first names selected at random by an
independently verified computer system after the closing date. The winners will be notified by post, email or phone within 28 days of the closing date. If winners cannot be contacted within a further 28
days, or if a prize cannot be taken for any reason, the prize will be forfeited and a redraw will take place. We will check that the winners held an account or policy at the time their entry was received. Winners’
details will be passed to a third party for fulfilment of prizes; by entering you agree to your details being shared in this way. 4 For details of winners’ names and counties, write to Money Matters, Seven, 3-7
Herbal Hill, London EC1R 5EJ by 1 May 2016 enclosing a stamped addressed envelope (stating the name of the prize draw). 5 Acceptance of the prize will be deemed as permission for Sainsbury’s Bank to
make the winners’ names and counties public, to take publicity photographs, to interview the winners and for this material to be used by Sainsbury’s Bank in any media publication. 6 There is no cash
alternative to the prize in full or in part, and the prizes are non-transferable and non-refundable. The promoter reserves the right to offer a similar prize or prize of equal or greater value if necessary. 7 The
promoter’s decision is final. No correspondence will be entered into. 8 The promoter is Sainsbury’s Bank, 33 Holborn, London EC1N 2HT. 9 The promotion features across two versions of this magazine.
26
SAINSBURYSBANK.CO.UK/MONEY-MATTERS
26_Main prize_V3_R1.indd 2
13/01/2016 12:32
Provided by Legal & General
Young ones keep you busy. And they certainly don’t come cheap.
Which means organising life insurance to help protect their future
may still be on your ‘To Do’ list.
Parent Free Life Cover, provided by Legal & General, offers £15,000
of free life cover for parents that lasts for 12 months from the date
you take it out. And both parents can apply for a policy each.
Find out more at sainsburysbank.co.uk/freeparentcover and apply
before your childs 5th birthday. Limitations and exclusions apply.
PA898960-SB05699-Life-Insurance-MM_230x200.indd 1
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