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Times Money Mentor - simple money tips and tricks

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Not all Black Friday deals are worthwhile. Sometimes retailers offer negligible discounts, and other sales during the year might well offer better prices. But each year shoppers keep a keen eye on [&hellip;]</p> </a> </div> </div> </div> <div class="c-nk-categoryListing__item"> <div class="c-nk-card"> <a class="c-nk-card__imgLink" data-card-title="When is Black Friday 2024 in the UK and is it worth it?" data-section-primary-term="" href="https://www.thetimes.com/money-mentor/income-budgeting/when-is-black-friday-2024-uk" > <div class="c-nk-card__img"> <img decoding="async" src="https://www.thetimes.com/money-mentor/wp-content/uploads/2024/09/GettyImages-2165846065.jpg?quality=75&amp;strip=all&amp;w=600" alt="Woman smiling outdoors with shopping bag" loading="lazy"> </div> </a> <div class="c-nk-card__content"> <div class="c-nk-card__infoData"> <a class="c-nk-card__flag" data-card-title="When is Black Friday 2024 in the UK and is it worth it?" data-section-primary-term="" href="https://www.thetimes.com/money-mentor/income-budgeting/"> <small>Income &amp; Budgeting</small> </a> </div> <a class="c-nk-card__link" data-card-title="When is Black Friday 2024 in the UK and is it worth it?" data-section-primary-term="" href="https://www.thetimes.com/money-mentor/income-budgeting/when-is-black-friday-2024-uk" > <h2 class="c-nk-card__title">When is Black Friday 2024 in the UK and is it worth it?</h2> <p class="c-nk-card__text">Black Friday officially falls on November 29 this year, although many shops start their sales sooner than that. It&#8217;s an American tradition that&#8217;s been imported to the UK, and it&#8217;s similar to the Boxing Day sales, except it&#8217;s before Christmas &#8211; so you can buy what you need ahead of the festivities. Most major UK [&hellip;]</p> </a> </div> </div> </div> <div class="c-nk-categoryListing__item"> <div class="c-nk-card"> <a class="c-nk-card__imgLink" data-card-title="Smart shopping tips for Black Friday" data-section-primary-term="" href="https://www.thetimes.com/money-mentor/income-budgeting/black-friday-deals" > <div class="c-nk-card__img"> <img decoding="async" src="https://www.thetimes.com/money-mentor/wp-content/uploads/2020/09/GettyImages-878380388.jpg?quality=75&amp;strip=all&amp;w=600" alt="" loading="lazy"> </div> </a> <div class="c-nk-card__content"> <div class="c-nk-card__infoData"> <a class="c-nk-card__flag" data-card-title="Smart shopping tips for Black Friday" data-section-primary-term="" href="https://www.thetimes.com/money-mentor/income-budgeting/"> <small>Income &amp; Budgeting</small> </a> </div> <a class="c-nk-card__link" data-card-title="Smart shopping tips for Black Friday" data-section-primary-term="" href="https://www.thetimes.com/money-mentor/income-budgeting/black-friday-deals" > <h2 class="c-nk-card__title">Smart shopping tips for Black Friday</h2> <p class="c-nk-card__text">Last year Black Friday was the biggest shopping event of the year, with people making millions of transactions as Brits looked to snap up bargains online as well as on the high street. 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</g> </svg> </a> </div> </div> <section class="s-nk-section s-nk-section--category js-block-external-category"> <div class="container"> <div class="c-nk-titleDivider c-nk-titleDivider--link"> <a href="https://www.thetimes.com/money-mentor/investing/" class="c-nk-titleDivider__link"> Investing </a> </div> <div class="c-nk-categoryListing--equal"> <div class="c-nk-categoryListing__row"> <div class="c-nk-categoryListing__item"> <div class="c-nk-card"> <a class="c-nk-card__imgLink" data-card-title="How to invest £50,000" data-section-primary-term="Investing" href="https://www.thetimes.com/money-mentor/investment-strategies/how-to-invest-50k" > <div class="c-nk-card__img"> <img decoding="async" src="https://www.thetimes.com/money-mentor/wp-content/uploads/2024/08/GettyImages-1840405915.jpg?quality=75&amp;strip=all&amp;w=600" alt="Woman sitting at home with a laptop with a dog kissing her nose" loading="lazy"> </div> </a> <div class="c-nk-card__content"> <div class="c-nk-card__infoData"> <a class="c-nk-card__flag" data-card-title="How to invest £50,000" data-section-primary-term="Investing" href="https://www.thetimes.com/money-mentor/investment-strategies/"> <small>Investment Strategies</small> </a> </div> <a class="c-nk-card__link" data-card-title="How to invest £50,000" data-section-primary-term="Investing" href="https://www.thetimes.com/money-mentor/investment-strategies/how-to-invest-50k" > <h2 class="c-nk-card__title">How to invest £50,000</h2> <p class="c-nk-card__text">A nest egg of £50,000 is already a tidy sum to have, but it could grow into a much larger amount over time if you invest it well.&nbsp; While cash savings rates in the region of 4% are available as we near the end of 2024, this is likely to fall next year and average [&hellip;]</p> </a> </div> </div> </div> <div class="c-nk-categoryListing__item"> <div class="c-nk-card"> <a class="c-nk-card__imgLink" data-card-title="How to choose investment funds" data-section-primary-term="Investing" href="https://www.thetimes.com/money-mentor/investment-strategies/choose-investment-funds" > <div class="c-nk-card__img"> <img decoding="async" src="https://www.thetimes.com/money-mentor/wp-content/uploads/2020/09/GettyImages-538568372.jpg?quality=75&amp;strip=all&amp;w=600" alt="Investment funds" loading="lazy"> </div> </a> <div class="c-nk-card__content"> <div class="c-nk-card__infoData"> <a class="c-nk-card__flag" data-card-title="How to choose investment funds" data-section-primary-term="Investing" href="https://www.thetimes.com/money-mentor/investment-strategies/"> <small>Investment Strategies</small> </a> </div> <a class="c-nk-card__link" data-card-title="How to choose investment funds" data-section-primary-term="Investing" href="https://www.thetimes.com/money-mentor/investment-strategies/choose-investment-funds" > <h2 class="c-nk-card__title">How to choose investment funds</h2> <p class="c-nk-card__text">If you’re new to investing or after an easy and convenient way to invest your money then you might want to consider funds. Putting your money into investment funds helps to spread the risk and they are popular with both beginners and more experienced investors. But the choice can seem overwhelming, with more than 3,000 [&hellip;]</p> </a> </div> </div> </div> <div class="c-nk-categoryListing__item"> <div class="c-nk-card"> <a class="c-nk-card__imgLink" data-card-title="How to invest in a high interest rate environment" data-section-primary-term="Investing" href="https://www.thetimes.com/money-mentor/investing/invest-to-beat-inflation" > <div class="c-nk-card__img"> <img decoding="async" src="https://www.thetimes.com/money-mentor/wp-content/uploads/2020/02/GettyImages-1387456349.jpg?quality=75&amp;strip=all&amp;w=600" alt="A man looks at his investment returns" loading="lazy"> </div> </a> <div class="c-nk-card__content"> <div class="c-nk-card__infoData"> <a class="c-nk-card__flag" data-card-title="How to invest in a high interest rate environment" data-section-primary-term="Investing" href="https://www.thetimes.com/money-mentor/investing/"> <small>Investing</small> </a> </div> <a class="c-nk-card__link" data-card-title="How to invest in a high interest rate environment" data-section-primary-term="Investing" href="https://www.thetimes.com/money-mentor/investing/invest-to-beat-inflation" > <h2 class="c-nk-card__title">How to invest in a high interest rate environment</h2> <p class="c-nk-card__text">The Bank of England cut the base rate to 4.75% in November after holding rates at 5% since August 2024. While the news will be welcomed by borrowers, savers are likely to see rates fall. One option to try to make your money work harder is to consider investing it. Here&#8217;s how. Inflation now teeters [&hellip;]</p> </a> </div> </div> </div> <div class="c-nk-categoryListing__item"> <div class="c-nk-card"> <a class="c-nk-card__imgLink" data-card-title="How to buy shares" data-section-primary-term="Investing" href="https://www.thetimes.com/money-mentor/investment-strategies/how-to-buy-shares" > <div class="c-nk-card__img"> <img decoding="async" src="https://www.thetimes.com/money-mentor/wp-content/uploads/2021/01/CONSUMER-Ocado-09511406jpg-JS605397278-1.jpg?quality=75&amp;strip=all&amp;w=600" alt="" loading="lazy"> </div> </a> <div class="c-nk-card__content"> <div class="c-nk-card__infoData"> <a class="c-nk-card__flag" data-card-title="How to buy shares" data-section-primary-term="Investing" href="https://www.thetimes.com/money-mentor/investment-strategies/"> <small>Investment Strategies</small> </a> </div> <a class="c-nk-card__link" data-card-title="How to buy shares" data-section-primary-term="Investing" href="https://www.thetimes.com/money-mentor/investment-strategies/how-to-buy-shares" > <h2 class="c-nk-card__title">How to buy shares</h2> <p class="c-nk-card__text">Buying shares could help your money grow faster than if you left it in a savings account, especially as interest rates are currently low and inflation is soaring. However, with the potential for higher returns comes the risk of your investments losing value, because share prices fall as well as rise. There are also fees [&hellip;]</p> </a> </div> </div> </div> </div> </div> </div> </section> <section class="s-nk-section s-nk-section--graph"> <div class="container"> <div class="c-nk-titleDivider"> <h2 id="inflation-graph" class="c-nk-titleDivider__title">Inflation status</h2> <p class="c-nk-titleDivider__description">Enter items you buy into the search bar to see how the price has changed. You can narrow it down to goods like fruit and beer or services like hotels and dental treatment. </p> </div> <div class="c-nk-graphToolbar js-inflationAutocomplete"> <div class="c-nk-graphToolbar__autocomplete c-nk-autocomplete"> <input type="text" id="inflation_search" class="c-nk-autocomplete__input" placeholder="Search..." autocomplete="off" /> <div id="result" class="c-nk-autocomplete__results js-inflation-dropdown-tracking"> </div> </div> <div class="c-nk-graphToolbar__filter js-inflation-filters-tracking"> <button type="button" class="c-nk-graphToolbar__btn" title="Inflation (CPIH)"> Inflation (CPIH) </button> </div> </div> </div> <div class="c-nk-cardSidebarListing c-nk-cardSidebarListing--wide"> <div class="c-nk-cardSidebarListing__wrapper container"> <div class="c-nk-cardSidebarListing__item"> <canvas class="js-chart--inflation"></canvas> <p class="c-nk-cardSidebarListing__disclamer"> This tool uses the CPIH measure of inflation, which is based on the consumer prices index and factors in housing costs too. <br> <strong>Data is from <a href="https://www.ons.gov.uk/">www.ons.gov.uk</a></strong> </p> </div> <div class="c-nk-cardSidebarListing__item"> <div class="c-relatedCards"> <h3 class="c-relatedCards__title">Inflation must reads</h3> <div class="c-relatedCards__list"> <div class="c-relatedCards__list_item"> <hr> <a href="https://www.thetimes.com/money-mentor/income-budgeting/"><small>Income &amp; Budgeting</small></a> <a href="https://www.thetimes.com/money-mentor/income-budgeting/uk-inflation-rate-latest-figures-mean-for-you">What is the UK inflation rate and what does it mean for you?</a> </div> <div class="c-relatedCards__list_item"> <hr> <a href="https://www.thetimes.com/money-mentor/income-budgeting/cost-of-living-crisis/"><small>Cost of living crisis</small></a> <a href="https://www.thetimes.com/money-mentor/income-budgeting/cost-of-living-crisis/calculating-inflation">How to calculate inflation to plan for the future</a> </div> <div class="c-relatedCards__list_item"> <hr> <a href="https://www.thetimes.com/money-mentor/investing/"><small>Investing</small></a> <a href="https://www.thetimes.com/money-mentor/investing/invest-to-beat-inflation">How to invest in a high interest rate environment</a> </div> <div class="c-relatedCards__list_item"> <hr> <a href="https://www.thetimes.com/money-mentor/income-budgeting/cost-of-living-crisis/"><small>Cost of living crisis</small></a> <a href="https://www.thetimes.com/money-mentor/income-budgeting/cost-of-living-crisis/2024-cost-of-living-payment-dwp-benefits">Cost of living payment 2024: Full list of DWP dates in November</a> </div> </div> </div> </div> </div> </div> </section> <section class="s-nk-section s-nk-section--category js-block-external-category"> <div class="container"> <div class="c-nk-titleDivider c-nk-titleDivider--link"> <a href="https://www.thetimes.com/money-mentor/banking-saving/" class="c-nk-titleDivider__link"> Banking &amp; Saving </a> </div> <div class="c-nk-categoryListing--equal"> <div class="c-nk-categoryListing__row"> <div class="c-nk-categoryListing__item"> <div class="c-nk-card"> <a class="c-nk-card__imgLink" data-card-title="Best easy-access savings accounts" data-section-primary-term="Banking &amp; Saving" href="https://www.thetimes.com/money-mentor/banking-saving/best-easy-access-savings-accounts-uk" > <div class="c-nk-card__img"> <img decoding="async" src="https://www.thetimes.com/money-mentor/wp-content/uploads/2023/05/GettyImages-557715991.jpg?quality=75&amp;strip=all&amp;w=600" alt="Best cash Isa rates" loading="lazy"> </div> </a> <div class="c-nk-card__content"> <div class="c-nk-card__infoData"> <a class="c-nk-card__flag" data-card-title="Best easy-access savings accounts" data-section-primary-term="Banking &amp; Saving" href="https://www.thetimes.com/money-mentor/banking-saving/"> <small>Banking &amp; Saving</small> </a> </div> <a class="c-nk-card__link" data-card-title="Best easy-access savings accounts" data-section-primary-term="Banking &amp; Saving" href="https://www.thetimes.com/money-mentor/banking-saving/best-easy-access-savings-accounts-uk" > <h2 class="c-nk-card__title">Best easy-access savings accounts</h2> <p class="c-nk-card__text">An easy-access account lets you withdraw your cash as and when you want it. Here we list the best easy-access savings accounts. An easy-access account is the ideal place to hold your emergency funds in case the boiler breaks down or you lose your job. These accounts allow you to get your hands on your [&hellip;]</p> </a> </div> </div> </div> <div class="c-nk-categoryListing__item"> <div class="c-nk-card"> <a class="c-nk-card__imgLink" data-card-title="The best high-interest current accounts" data-section-primary-term="Banking &amp; Saving" href="https://www.thetimes.com/money-mentor/banking-saving/the-best-high-interest-current-accounts" > <div class="c-nk-card__img"> <img decoding="async" src="https://www.thetimes.com/money-mentor/wp-content/uploads/2024/06/GettyImages-1494677276.jpg?quality=75&amp;strip=all&amp;w=600" alt="Woman researches the best high interest current accounts" loading="lazy"> </div> </a> <div class="c-nk-card__content"> <div class="c-nk-card__infoData"> <a class="c-nk-card__flag" data-card-title="The best high-interest current accounts" data-section-primary-term="Banking &amp; Saving" href="https://www.thetimes.com/money-mentor/banking-saving/"> <small>Banking &amp; Saving</small> </a> </div> <a class="c-nk-card__link" data-card-title="The best high-interest current accounts" data-section-primary-term="Banking &amp; Saving" href="https://www.thetimes.com/money-mentor/banking-saving/the-best-high-interest-current-accounts" > <h2 class="c-nk-card__title">The best high-interest current accounts</h2> <p class="c-nk-card__text">A current account is a place where you can manage your money, and some providers pay a rate on your in-credit balance. While it can be a useful way to gain extra cash, some of these options do come with restrictions. For banks and building societies, the current account market is highly competitive. 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