cost of living

BRITS jetting off to Europe for their summer holidays could risk losing cash if they pick the wrong time to buy the currency.

When heading abroad, it is not uncommon for many holiday-goers to exchange cash into the currency of the country they are travelling to.

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But when you convert cash from one currency to another, you could end up getting more money in exchange or in some instances less.

Factors such as inflation and the economic stability of a country can impact how much a currency is worth.

Currently, the Great British Pound (GBP) is worth more than the Euro, a popular holiday destination for many Brits.

So for example, if you had £100 and exchanged it you would get €116 in return.

While UK holiday goers currently get more money back when they swap their cash for Euros, returns have been better in previous years.

Back in 2024, £1 was worth €1.18.

Tony Redondo, founder of Cosomos Currency Exchange told The Sun that factors such as “soft UK economic data” and “rising geo-political tensions” is pushing the Pound to Euro exchange rate lower.

Inflation fell to 3.4% in the 12 months to May, raising expectations the Bank of England could cut interest rates tomorrow, June 19.

This can lower the value of the Pound as investors seek to get higher returns elsewhere.

With this in mind, Tony said that holiday goers heading to Europe before the end of the month, should buy Euros “soon”.

He said: “It might be best to buy soon to protect from any further possible downside.”

But the money expert said that those not travelling until the end of school holidays have no need to panic.

He said: “A calculated gamble would be to wait it out as the world moves at such a pace nowadays, that hopefully, the Pound has time to recover.  

“After all, in 17 out of the last 20 years, the Pound has gone up in value against the Euro in either July or August. “

It is worth noting that exchange rates can go up and down, so it is worth checking online currency converters to see how much you can get.

MORE HOLIDAY MONEY HACKS

When heading abroad there are a few hacks to ensure you don’t end up losing money.

Customers should avoid exchanging money at the airport as they tend to have higher fees due as they cater to a captive market.

Kara Gammell, personal finance expert at MoneySuperMarket, said: “If you have a holiday booked and want to make the most of current rates.

“Don’t wait to buy your travel money at the airport as you will pay a premium – and never pay for your currency with a credit card as paying on plastic means you’ll be charged a ‘cash advance fee’.

This fee is charged on ATM withdrawals but also on transactions such as online gambling and buying foreign currency.

You should also be aware that banks tend to charge customers a fee for using their debit or credit card abroad.

For example, NatWest charges customers a 2.75% fee for spending your debit card abroad.

That would add a £1.16 charge to the cost of a jacket which cost £42.16.

But some banks don’t charge you for spending abroad.

For example, Monzo does not charge its customers foreign transaction fees nor does First Direct.

A major bank will axe a key bank account perk for thousands of customers in a matter of days.

Halifax, part of Lloyds Banking Group, is getting rid of “Extras” for Rewards current account holders.

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The bank currently charges a £3 monthly fee to run this bank account and customers are given freebies in return for hitting certain targets.

For example, customers can get £5 paid into their bank account or a free cinema ticket if they either spend £500 on their debit card each month or hold a balance of over £5,000.

Halfiax has plans to close down this service come September, meaning customers who meet these targets will no longer get a reward.

To prepare for this, Halifax has told customers that from June 17 they will no longer be able to add Reward Extras to their account or renew an existing Reward Extras offer.

But it is not all bad news as the bank is axing the service to make way for a number of new features.

Currently, Halifax charges a £3 monthly fee to run this bank account and customers are given freebies in return for hitting certain targets.

For example, customers can get £5 paid into their bank account or a free cinema ticket if they either spend £500 on their debit card each month or hold a balance of over £5,000.

But the bank has plans to close down this service come September, meaning customers who meet these targets will no longer get a reward.

This includes fee-free debit card spending abroad and a £100 interest free arranged overdraft to existing and new eligible Reward account customers. 

Rewards customers are currently charged a 2.99% fee for using their debit card abroad.

That means customers are currently charged an extra £2.99 for using their debit card to pay £100 abroad.

This change will come into effect on August 1.

Customers who meet the requirements will also be allowed to enter into a £100 overdraft and not face any interest.

OTHER BANK CHANGES

The Co-operative Bank announced it would be increasing the monthly charge on its Everyday Extra package bank account in July.

Currently, customers pay a monthly fee of £15, totalling £180 a year.

But starting from July 1, this fee will increase to £18 a month—an extra £36 annually.

Elsewhere, Lloyds recently hiked the cost of its Club Lloyds account from £3 to £5.

The packaged account provides extra benefits including a Disney plus subscription, cashback rewards, and access to linked savings accounts with preferential interest rates.

Skipton Building Society also recently lowered the interest on a total of 92 types of savings accounts.

How do I switch bank accounts?

SWITCHING bank accounts is a simple process and can usually be done through the Current Account Switch Service (CASS).

Dozens of high street banks and building societies are signed up – there’s a full list on CASS’ website.

Under the switching service, swapping banks should take seven working days.

You don’t have to remember to move direct debits across when moving, as this is done for you.

All you have to do is apply for the new account you want, and the new bank will tell your existing one you’re moving.

There are a few things you can do before switching though, including choosing your switch date and transferring any old bank statements to your new account.

You should get in touch with your existing bank for any old statements.

When switching current accounts, consider what other perks might come with joining a specific bank or building society.

Some banks offer 0% overdrafts up to a certain limit, and others might offer better rates on savings accounts.

And some banks offer free travel or mobile phone insurance with their current accounts – but these accounts might come with a monthly fee.

CRIMINALS will be forced to pay back every penny they steal under proposals being drawn up by Tory Robert Jenrick.

The move could let courts claw back many billions of pounds of ill-gotten gains which would be returned to victims or help tackle crime.

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Under the proposal, fines on burglars and thieves will be hiked so they have to pay for the full amount of damage they inflict.

Rules which stop courts pursuing criminals for unpaid fines after six years would be torn up so a thief can always be made to pay up.

The shadow justice secretary is proposing the crackdown in an amendment to the Victims and Courts Bill, which is being debated in parliament next week.

Mr Jenrick said: “There’s never been a better time to be a criminal. That has to change: crime should never pay.

“Thieves and burglars must be fined the full cost of the damage they cause.

“If they can’t pay immediately, they should be made to pay it back over their whole lifetime.

“Our criminal justice system must put victims first and yobs last.”

Criminals owe a record £4.4billion in unpaid fines and court fees.

It is made up of over £1bn in fines and £3.4bn in legal costs and confiscation orders slapped on convicts.

This is enough cash to build 20,000 prison places.

Courts can impose fines on criminals as part of their sentence. The size of the fine depends on the severity of the crime and the offender’s ability to pay it.

But thieves and burglars routinely fail to pay up. And some dodge these fines by serving an extra day in prison – racking up a bigger bill for the taxpayer.

Labour have a giant majority in Parliament, so they would have to back the amendment for it to become law.

A new patio in the UK typically costs between £80-£150 per square meter, but it depends on the materials and layout.

So a typical homeowner could end up paying a few hundred, to thousands to get a new one.

Amy on Facebook didn’t have that kind of money to sort her patio out.

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Instead, she came up with a genius idea to transform her wonky slabs, into an area she would love.

Posting in the Facebook group Garden Makeover Ideas On A Budget, she said: “On a very tight budget, I couldn’t stretch to funding a new patio.

“So, last year, I bought some ground covering seeds and planted them between some of my wonky pavers.

“I’m thrilled with how they now look but, the amount of bees that have been collecting the nectar from them is incredible. I’m so pleased.”

She added a photograph of the results, showing her wonky patio slabs covered with gorgeous purple, white and blue flowers.

As for what flowers she sowed, replying to a comment, Amy said: “Mixed ground cover,” and said it “will bring new life to your garden/patio”.

She “added a little sand to the compost” which she was advised to do so by her local garden centre because “the sand stabilises the wonky pavers”.

Her post has received 11,000 likes so far and hundreds of comments.

One replied: “I absolutely love this idea! I have a horrible concrete area that I cover with benches and pots! Also have an old paved area all sunken forever taking out the weeds in between! Thank you for the great idea x.”

Someone else wrote: “I think that looks lovely & far nicer than a new boring patio, it looks how nature would have intended it to look with plants tumbling out if cracks & crevices.”

One comment read: “It looks so pretty! Love your solution and how nice that it’s attracted pollinators too.”

Another said they make a great replacement for pesky weeds: “Oh I love this. I’m going to pulled out those weeds and put in seeds.”

Someone else was keen to know if any weeds grew amongst her flowers. They asked: “That looks lovely. Do you have any problems with weeds pushing through too?”

Amy replied: “I have had a couple yes, but by and large, the flowers are winning the ‘cosy’ and limited space.”

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How to grow flowers between your patio slabs

1. Clean the area

Remove any weeds or debris from the cracks between your patio slabs. A weeding tool or a stiff brush can help with this. 

Make sure the holes are at least six inches deep to help roots develop.

2. Fill with soil and compost

Use a mix of soil and compost to fill the cracks.

3. Choose your plants

Opt for low-growing, spreading plants that can tolerate foot traffic. 

Some good choices are: thyme, chamomile, creeping speedwell, dwarf mondo grass, daisies.

4. Plant

If using seeds, mix them with a little compost and sand and push them into the cracks. 

For plug plants, carefully remove and gently plant them into the cracks. Fill any surrounding gaps with compost.

5. Water

Water the seeds thoroughly and continue to water regularly, especially during dry spells, until the plants are established. 

June gardening jobs

The Sun’s Gardening Editor, Veronica Lorraine, has shared the tasks you should take this month.

Stake out leggy perennials

With all the dramatic weather we’ve been having, it’s definitely time to stake out your leggy perennials (the ones that come back every year). Heavy rain and growth spurts, can make them collapse and flop.

Picking out the slugs and snails

Hopefully as we move into summer they  will do less damage as the plants get bigger.  The best way is still to go out at night with a head torch to find them. 

Pick elderflower heads

You can use them to make your own cordial, or add to cakes, champagne or even fry them in batter. 

Get on top of weeds

It’s around now that weeds really ramp up in the garden, so keep on top of them with hoe-ing – or just the traditional ‘on your knees with a hand fork’. Try and avoid chemicals – remember weeds are just plants in the wrong place. 

Up the mowing

You’ll need to mow your lawn weekly now – if you’ve got time, weed it beforehand as once you mow you chop off the leaves and its harder to see them. 

Check on your tomatoes

Your tomato plants will need attention – water, feed and regularly and pinch out the sideshoots. 

Chelsea Chop

There’s still time for the Chelsea Chop – plants like Rudbeckia’s, Asters, Penstemons, Sedums and other perennials can be cut back by a third to help them get a bit more bushy, and prolong the flowering period.

Sort out your tulips

If you can be bothered and have space – lift and story your tulip  bulbs to ensure colour next Spring. 

Deadheading your roses

Take them down to the first set of healthy leaves – which will ensure more flowers for longer. 

Enjoy your space

Take some time to sit and enjoy your garden or outside space – it’s great for your mental health. Even just a few minutes a day can make a big difference. 

PIZZA Hut is rolling out new digital ordering screens across all 136 of its dine-in restaurants, a move that could make over 100 staff members redundant.

The pizza chain, which employs 3,000 staff, is set to cut 120 front-end roles as part of the shake-up.

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The new terminals at the front of restaurants will make it quicker for customers to order.

A letter to staff at risk of redundancy said: “Over the coming months we are introducing new customer-facing technologies across our restaurants, including digital ordering through QR codes and the installation of in-store kiosks.

“These changes are designed to enhance the customer experience and allow guests to be more self-sufficient when dining with us.”

Other chains such as Wetherspoons and Nando’s have already installed similar screens or offer QR code ordering from the table. 

Emily Curtis from DC London Pie, which owns Pizza Hut UK’s dine-in restaurants, explained that the decision to cut jobs is due to more than 60% of in-store orders now being placed digitally.

She said the company has invested heavily in new technologies to keep up with changing customer preferences.

“As part of this journey, we are adapting our staffing model, particularly in our front-of-house teams,” she added.

“While these decisions are never easy, they are necessary to ensure we continue meeting customer expectations and stay competitive in an increasingly digital marketplace.

“We are committed to supporting affected team members and will work closely with those impacted to help them find new opportunities within the wider Pizza Hut network.”

The dine-in arm of the restaurant was rescued by private equity firm Directional Capital, which created DC London Pie Ltd to take over the franchise.

It saved 3,000 jobs and saw the closure of one restaurant.

It is separate to the delivery side of the chain, which is owned by Yum! Brands, the US firm that owns KFC. 

Pizza Hut first arrived in the UK in 1973 and quickly became a favourite with diners.

At its height, the chain operated over 260 restaurants nationwide, employing 10,000 staff and welcoming three million customers each month.

Some of its most notable creations include the introduction of the pan pizza in 1980, the stuffed crust in 1995, and the re-launch of the pan pizza as the grand pan in 1998.

Pan pizzas are baked in a deep, oil-coated dish, giving the crust a deliciously crispy, golden edge and a lightly fried texture on the bottom.

Like many businesses, Pizza Hut faced challenges during the coronavirus pandemic. 

To manage its financial difficulties, the company entered into a Company Voluntary Arrangement (CVA) – a deal with lenders to cut costs and stay afloat.

At the time, Pizza Hut had over 240 locations across the UK but was forced to close 29 branches as part of the restructuring plan.

HOSPITALITY WOES

The hospitality sector has struggled to bounce back after the pandemic, facing challenges including soaring energy bills, inflation and staff shortages.

In January 2023, Byron Burger fell into administration with owners saying it would result in the loss of over 200 jobs.

Around 12 branches were saved in a rescue deal with Tristar Foods, which is owned by Calveton.

The Restaurant Group (TRG), which owned Frankie & Benny’s, Chiquito and Wagamama, shut dozens of sites in the same year.

It then went on to sell its Frankie & Bennys and Chiquito brands to Cafe Rouge owner The Big Table group in September 2023.

Italian restaurant chain Prezzo also closed dozens of sites in the same year.

In April 2024, Tasty, the owners of Italian restaurant Wildwood and Dim T, a pan-Asian restaurant, announced plans to exit 20 loss-making restaurants.

In the same month, Whitbread revealed plans to slash its chain of branded restaurants across the UK.

Meanwhile, TGI Fridays was forced to close 35 locations immediately after falling into administration last October.

However, 51 restaurants were rescued through a last-minute pre-pack deal with private equity firms Breal Capital and Calveton UK.

THOUSANDS of Thames Water customers are stuck on tariffs which were set in the 90s and bills have jumped by up to 671%.

The water firm, which is in the midst of a multibillion-pound rescue deal, has said bills would rise by 31% from April.

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Our investigation has discovered that:

• Customers without water meters have seen bills soar due to rates set in the 90s
• Thousands of homes are unable to get a water meter installed, which could lower their bill, because of where they live
• Customers are not being told about a tariff which could save them money
• Customers who ask to get a water meter but can’t get one could be automatically being moved onto a tariff for a three-bedroom home that is up to £93.72 more expensive annually

We have delivered a dossier of cases to Thames Water asking them to urgently investigate.

We have also shared our concerns with the Consumer Council for Water, regulator Ofwat and the Department for Environment, Food & Rural Affairs.

Consumer expert Martyn James said: “I’m deeply concerned about affordability and supporting people who can’t afford this unavoidable, essential service.”

Bills rising by more than expected

The Sun has spoken to scores of people who have seen their bills double, with one customer being hit by a 671% increase.

Many do not have a water meter, so their bills are calculated using a metric known as the rateable value (RV).

The RV of a property is set by the government and is based on the location and size of your home.

The rates were set in 1990 and the values from March 31 of that year are still used to calculate customers’ bills.

The RV varies from house to house, so your bill could be different to your neighbour’s, even if your houses are identical.

Industry regulator Ofwat told The Sun that some customers, particularly those without a water meter whose bills are calculated in this way, may see their payments increase by more than average.

Ofwat added that the RV may not accurately reflect the amount of water they currently use.

In comparison, households with a water meter pay for the exact amount used.

As a result, their bill could be higher or lower than average based on their usage.

Water meter lottery

Installing a water meter is the main way households can reduce their bill.

Customers firstly must ask Thames Water for a water meter appointment and then an engineer will visit to install one – but thousands of homes around the UK are not suitable for them.

Bill rise is ridiculous – we’ll have to cut back

MUM-OF-TWO Susan Palmer, 46, said it’s “ridiculous

Susan, who lives in a two-bedroom, one-bathroom flat in Lewisham, London, with her husband James, 48, a warehouse operative and 13-year-old sons Callum & Reece.

She said: “It’s worrying. I’m a paramedic so I am not at home very often.

“There is no reason why we would be using a lot of water and we don’t have a bath. It doesn’t make sense.”

Susan called Thames Water to ask why her bill had risen but it couldn’t explain the increase.

Susan said her family will now need to cut back.

“I normally do overtime to keep our head above water. This bill increase will mean we need to tighten our purse strings,” she said.

This is due to a number of reasons, including sharing your water supply with other residents such as in a flat without your own stop cock or living in a home where there isn’t a suitable place to fit one.

Insiders at Thames Water have told this newspaper that around 70% of homes in London cannot get a water meter.

If you live in a home where you cannot get a water meter fitted then you can be moved onto new tariff called the Assessed Household Charge – but this only happens after your home has been assessed by an engineer.

The Sun has found that customers are not being told about this process and therefore cannot access the cheaper tariff.

However, households who are put on the Assessed Household Charge tariff will automatically be moved to the three-bedroom rate, unless they update Thames Water to tell them how many bedrooms they have.

This could mean a household with two bedrooms could be paying around £61.14 extra per year.

Thames Water will not backdate payments so customers need to contact them as soon as possible to check their tariff and update their details.

Experts have slammed the water company for making customers opt-in to find cheaper tariffs.

Martyn James said: “Anything that could reduce bills should absolutely not be conditional on getting a water meter.”

Discounts if you live alone

If you live alone you could also access a single occupier tariff.

However, the vast majority of homes will be on the rate of a three-bedroom home.

The tariff costs £606.58 a year – £93.72 less than for a standard three bed property.

I complained to my MP after bill hike

Natasha Tressillian complained to Thames Water after her water bill rose from £359 a year to £535.

Although Natasha lives alone in a flat in Lewisham, London, she is now spending £45 a month on her bill after it rose by £15 a month.

Thames Water estimates that if Natasha had a water meter her bill would be just £315 a year – £220 less than what she is currently paying.

Natasha, who is in her 30s, said: “Unfortunately a water meter cannot be fitted in my flat. 

“That means with a single occupier tariff I’m paying around double what I would otherwise have been charged if a water meter could be fitted.

“It just doesn’t seem fair or reasonable.”

She has complained to Thames Water and her local MP, Janet Daby, and plans to file a formal complaint to the Consumer Council for Water and Ofwat.

Surge in demand for water meters

Bill rises have caused a surge in demand for water meter installations, according to the Consumer Council for Water.

A spokesperson said: “We know water companies have seen a surge in applications for water meters since the bill rises were announced and, in some cases, demand has doubled or even trebled.

“This means in some instances it is taking longer than expected to install water meters at properties where they can be fitted.”

Thames Water aims to install meters within 50 days.

This means that if you apply for an appointment now you could be forced to wait until the end of July for a visit from an engineer.

It also means if you are unable to get a water meter that you could be waiting weeks paying a higher rate before you can access the discounted tariff.

If it takes longer than 12 weeks for a water meter to be installed then you are entitled to compensation.

Act now to get help

Anyone who is worried about their bill should speak to Thames Water, the Consumer Council for Water recommends.

It should be able to explain why your bill has increased and double check if it is accurate.

You can contact Thames Water online or by calling 0800 980 8800.

The phone lines are open from Monday to Friday between 8am and 8pm or on Saturdays between 8am and 6pm.

If you are still concerned then you can complain to the Consumer Council for Water, who can investigate on your behalf.

If your bill has increased and you do not have a water meter then you should book an appointment now.

An engineer may be able to install a water meter at your home, so you will only be billed for what you use.

If they cannot install a meter then you will be moved onto the Assessed Household Charge, which should save you money.

Ofwat suggests that customers whose bills are calculated using the RV may benefit financially by switching to the Assessed Household Charge.

If your bill will be lower on the new tariff then Thames Water will switch you straight away.

But if your bill will be higher then it will not move you onto the tariff for a year to give you time to understand how you will be affected.

Thames Water will send you a letter to let you know how much you will pay.

If you live alone then contact Thames Water as soon as you can and ask to be moved onto a Single Occupier Tariff.

If you are unable to pay your bill then you may be able to get financial support from Thames Water.

You can complete an assessment online or call 0800 980 8800 to discuss our options.

To apply you will need the details of any income you receive, your debts, regular bills and outgoings and your Thames Water account number.

A Thames Water spokesperson said: “We offer comprehensive support for customers struggling to pay their bill, rated among the best in the sector. 

“We’re already helping around 450,000 customers pay their bills, and by 2030, one in ten households will be in receipt of support, including a discount of 50% on their bill.”

Do you have a money problem that needs sorting? Get in touch by emailing [email protected].

Plus, you can join our Sun Money Chats and Tips Facebook group to share your tips and stories

A BELOVED cafe that served customers classic English breakfasts for nine years has been forced to close due to the cost of living.

The owner said it is “impossible to carry on” in the current climate.

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Traditional cafe Deb’s Diner in Birmingham posted the sad update on Facebook.

“It is with great sadness that Deb’s Diner has closed it doors for the very last time.

“Due to ill health and the current cost of living crisis, it has become impossible to carry on so we have decided not to renew our lease.

“We would like to thank all of our customers for their continued support over the last nine years, it’s been a wonderful journey.”

Customers commented to express their sadness and to send best wishes.

It comes after the Chancellor’s hike to national insurance contributions and minimum wage for firms kicked in at the start of April.

The NI rise has hit investment, recruitment and prices.

Businesses were dealt the £25 billion ‘Jobs tax’ raid at the Budget with the increased contributions as confidence among entrepreneurs taking a hit.

From April 6, businesses  have to pay a higher rate of employer National Insurance contributions (NICs) of 15% from 13.8%.

The threshold at which they are paid is also being lowered from £9,100 to £5,000.

The Government confirmed it was making the changes in its Autumn Budget last October in a bid to increase revenue.

It also said the move meant it wasn’t increasing taxes for working people.

However, it will have an impact on shoppers and everyday consumers as businesses look to pass on the additional costs.

Figures show that almost a third of businesses affected by the hike are planning to cut jobs or freeze hiring.

It comes on the back of 160,000 part-time retail jobs are on the cusp of going in the next two years due to a rise in Labour costs.

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JUNE is a popular time for people to move home, hopeful of being settled before the new school term.

But making sure you get the most out of a move can be stressful.

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However, property expert Liv Conlon – who stages homes for a living – has shared her essential 10 tips for boosting value.

And some cost just pennies but can had hundreds to the asking price.

Liv, 26, is the CEO of multi-award-winning ThePropertyStagers.co.uk, which furnishes more than 400 homes a year, as well as a StagerBoss – a coaching business teaching other women how to do the same.

The Scots mum, who was brought up in Glasgow and now lives in Marbella with son Cash and mum Ali, says: “From posh pillows to hotel-style bedding, the right styling can make buyers fall in love and nudge them above the asking price.

“So before you stick up the For Sale sign, check out these smart, simple ways to get buyers battling to pay more than the asking price.”

FIRST IMPRESSIONS

A buyer decides in 10 seconds whether they are going to buy your home or not – so your entrance and hallway need to make a good first impression.

Make it warm and welcoming. Buy a new door mat that’s only used for viewings, with no dirty shoe marks, and place two identical plants at either side of the door – which is either clean, new or given a lick of paint. Opt for colours such as black or navy blue so it looks ‘classy’, rather than something more ‘out there’.

Clear away the clutter, and lose the smelly shoes and dumped coats.

LIVING ROOM VISION

The living room is the heart of the home – and buyers know it. It’s where they picture relaxing with a glass of wine, watching TV, or hosting friends.

Get this room wrong and you risk turning off even the most interested buyer. Make it feel spacious but not sterile, styled but still homely.

Pull sofas away from the walls to create cosy conversation zones, and use a large rug to anchor the space – this helps define it and adds warmth.

Then ditch harsh overhead lights and go for soft lamps, layered lighting and oversized accessories to give a sense of luxury. Use neutral tones for your sofa and walls, then add depth with textured throws, scatter cushions and artwork.

GO BIG

Tiny trinkets and dinky lamps really don’t cut it when you’re trying to wow a buyer. One of the biggest styling mistakes sellers make is going too small with their accessories – it makes your home look underwhelming.

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If you want to create that lux, showhome feel, size matters. Think
big and bold. Oversized lamps on side tables make a dramatic statement, especially when paired with plush sofas or layered cushions.

Chunky candlesticks, large framed art or statement vases add instant impact – and make the space feel styled, not stuffed.

DON’T LOO-SE OUT

Bathrooms are an important room but are often forgotten about when it comes to staging. The key to success with styling this room is to compliment not clutter.

You can do this by adding simple styling accessories, layers and textures. Consider pops of colour in your accessories, such as a soap dispenser or a toothbrush holder, which you can pick up for as little as £3 in places like Home Bargains. This draws the eye and helps your images jump off the page.

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Add textures with towels and bath mats, but also through the type of glass or ceramic in your accessories. Small touches can have a big impact.

RIGHT RUG

Rugs are the unsung heroes of home staging – they define spaces, add texture and instantly warm up any room. In large, open-plan layouts, rugs create natural boundaries between living,
dining and kitchen zones, making the space feel organised and inviting.

Don’t overlook the ‘forgotten’ spaces – utility rooms, hallways or entryways can be transformed with a well-chosen rug to feel cosy and purposeful.

Rugs can tie together the design elements, especially through colour and texture, in a space while providing a cosy and inviting atmosphere.

They can also significantly reduce noise levels by absorbing sound – a quieter home is always more appealing to buyers.

ALL WHITE

Five-star hotels use crisp, white bedding for a reason, as it exudes luxury and cleanliness, and it immediately puts a viewer at ease.

Patterned or busy linens can feel cluttered and overly personal, turning off potential buyers. Investing in high-quality, bright white sheets creates a serene, spa-like oasis that invites buyers to imagine themselves unwinding there.

The clean, neutral backdrop also lets you introduce pops of colour and texture with cushions and throws – easy updates that make the room feel stylish without overwhelming the senses.

GET DRESSED

Layering is the secret to making your home feel styled, warm and high-end – without overdoing it.

In the bedroom, start with white sheets, then double up on duvets: one laid flat, the second folded neatly at the end for a boutique hotel look. Use feather insert cushions -not flat polyfills – and build texture with velvet throws, faux fur or quilted finishes.

In the living room, mix cushion sizes and textures on your sofa – linen, boucle, chunky knit – to add depth. Coffee tables and
sideboards should be styled too: think a stack of hardback books, a sculptural candle and one standout vase. Keep it intentional, not cluttered.

STAR OF THE SHOW

Not much beats getting ready at a dressing table. The feeling of space and time – rather than catching a quick glimpse in the closet mirror before rushing out the front door.

Create that same feeling in your bedroom by setting up a designated space in your bedroom to put on make-up and style your hair.

This can be a dual purpose area that could also double up as a work from home space too. To add real luxury, add a table standing mirror, and opt for a mirrored dressing table if your budget allows.

CLEAR OFF

Nothing puts buyers off faster than clutter. It makes rooms feel smaller and chaotic. When people view your home, they’re not just looking at the space – they’re imagining their life in it.

That’s hard to do if every surface is piled high with post, toys or toiletries. Start by stripping back.

Clear kitchen worktops, bedside tables and bathroom counters. Invest in clever storage: ottomans with lift-up lids, under-bed boxes and baskets for toys or blankets.

Hide away anything personal or bulky. Less stuff equals more space.

MIRROR IMAGE

Create symmetry in your rooms with matching bedside tables on either side of the bed. Not only does this add practicality and storage, but it instantly makes the room feel more polished.

Then, top each table with oversized, identical lamps – these create drama and a high-end vibe without breaking the bank.

Symmetry tricks the eye into seeing order and elegance, making your
bedroom feel like a five-star retreat buyers won’t forget.

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A VILLAGE in Europe is so cheap, locals only pay £1 rent for the entire year – but there is a strict curfew in place.

Located in the city of Augsburg in Germany, the Fuggerei housing complex was created in 1521 by the Fugger family, to help residents in need.

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The complex, which is the oldest of its kind in the world, has 142 residences across its 15,000-square-metre site.

Today, there are 150 people living at the complex, and only Catholic Augsburgers who are in need of some help are allowed to live there.

For anyone who lives there, they only have to pay 75p for their entire year’s rent.

In return, they must pray three times a day to the current owners of Fuggerei.

They must also “perform small services for the common welfare,” according to MailOnline.

These jobs include acting as a night watchman or being a gardener, for example.

However, there is one rule that could make the residents pay more – they must not be home after 10pm.

If they do come home after this time, they must pay the watchman a 42p fee.

It gets worse if they are home after midnight, with the fee rising to 85p – more than the annual rent.

The homes in Fuggerei are around 60-square-metres with three rooms each and the ground floor flats tend to come with a small garden.

Tourists can visit the complex too though.

Each ticket costs £6.78 and includes entry into the Fuggerei’s museum and a display residence.

For visitors, there is the option to go on a tour of the complex including heading to St. Mark’s Church, the Founder’s Table, the Night Watchman’s Gate, the bunker and the museums in the Fuggerei.

If travelling with your furry friend, dogs are welcome too – as long as they are on a leash.

But the complex is still home for a group of people – and therefore visitors are asked to respect the green spaces in Fuggerei, and keep it clean.

A pretty German town also has the world’s oldest brewery – and Brits can easily visit.

Plus, the Eurostar has revealed future plans for trains from UK to Germany and Switzerland.

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MILLIONS of Vodafone and Three customers are set for a huge boost to their mobile signal as the newly-merged mega network reveals its £11billion grand plans.

A major improvement to services will start for more than seven million users of Three and its budget sub-brand SMARTY in just two weeks time.

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Customers will receive a 20 per cent average speed uplift on 4G.

And within a few months, 27million mobile subscribers across both Vodafone and Three will benefit from better signal with shared access across both networks at no extra cost, the new joint VodafoneThree firm claims.

This will eradicate dreaded “not spots” from 16,500 sq/km of the country – the equivalent to 10x the size of London.

VodafoneThree has confirmed that its various brands will remain separate.

This not only includes Vodafone and Three, but also VOXI, SMARTY and Talkmobile which piggyback on their network kit.

However, Vodafone will be the only brand for business customers.

“A new era of connectivity has begun,” said Max Taylor, CEO of VodafoneThree.

“We will connect every nation, every community, in every corner of the UK.

“We will build the UK’s best 5G network with an unprecedented £11bn privately funded infrastructure project, laying the digital foundation for our country’s growth ambitions.”

The network is pledging to bring 99.95 per cent of the population 5G Standalone – the fastest version of 5G speed around – by 2034.

And by this time next year, bosses are planning to launch trials of space-based satellite mobile network coverage too to eliminate even more “not spots”.

Chancellor Rachel Reeves said: “I’m delighted that this huge investment is being made in mobile phone network infrastructure, better connecting people with families, loved ones and work by providing stronger, more widespread 5G coverage.”

BROADBAND SHAKE-UP

Changes are afoot for broadband services too.

Three’s brand will disappear from its mobile broadband over the next 12 months and brought together with Vodafone’s Full Fibre, all under the Vodafone name.

The firm has announced a new partnership with Community Fibre on top of existing deals with CityFibre and Openreach.

Two extra customer care centres are opening in Belfast and Sheffield as well, bringing 400 jobs back to the UK.

Vodafone and Three both operate their own stores across the country but the company says it has “no planned retail redundancies”.

The £16.5billion tie-up makes VodafoneThree the UK’s biggest mobile network.

WILL PRICES RISE?

Analysis by Jamie Harris, Assistant Technology and Science Editor at The Sun

All these changes sound pretty exciting – but most customers will be wondering if it will cost them more.

VodafoneThree says its mobile network boost comes at “no extra cost”.

And bosses have insisted as much to get the deal over the line for months.

Vodafone’s CEO Margherita Della Valle told BBC Radio 4’s Today programme in December that the merger would cause “no extra costs from public funding and no extra cost for our customers”.

The company has had to agree to a number of legally binding commitments to win the approval of the competition regulator CMA.

One of those was a cap on “selected mobile tariffs and data plans” for three years.

As things stand Vodafone, Three and sub-brands VOXI, SMARTY and Talkmobile, will continue to sell their own mobile products, so it shouldn’t result in less choice or competition.

MOTORING experts have revealed the ten cheapest cars to insure in the UK.

The average insurance premium has increased by a whopping 43 per cent year on year from £284 in 2024 to a shocking high of £941.

Prices have begun to drop over the past few months but the average quote is now sitting around £834, which is still a huge premium.

Experts have now revealed how to get this massive premium down a bit.

They’ve revealed the top ten cheapest cars to insure in the UK to help keep the price of motoring down for everyday Brits.

Not only are the motors cheap to insure but they are affordable for anyone looking to pick up a new car.

The list consists mostly of hatchbacks and super minis but some SUVs do make an appearance.

Skoda Fabia

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The Fabia is reportedly the cheapest of all UK motors to insure.

The little Czech hatchback only costs around £237 a year to insure and can be bought for an impressively low £19,410.

Seat Ibiza

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The Ibiza remains a cheap option since the mark one was introduced to the UK market in 1983.

At only £240 a year and £19,795 to buy the little hatchback remains one of the UK’s best cheap and cheerful models.

Dacia Sandero

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Costing just £240 a year to insure and a very cheap £13,250 to buy, the Romanian motor offers an excellent option for first time drivers.

Only slightly more expensive to insure than the Ibiza the Sandero is a fair sight cheaper to buy than most of the alternatives.

Volkswagen Polo

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The German made Volkswagen Polo is up next with an insurance premium of around £247.

A favourite among first time drivers in the UK the Polo costs just £21,210 to buy.

Volkswagen T-Cross

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Surprisingly the SUV style Volkswagen T-Cross came in next, despite being large it can be insured for just £248.

A Volkswagen T-Cross could be purchased for around £24,895 and offers the most space on the list, perfect for families.

Hyundai i10

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The first Japanese car on the list, the Hyundai i10, can be insured for only £259 and purchased for a modest £16,380.

The most technologically advanced of the motors on this list the i10 offers a slew of futuristic features not available with some of the other options.

Kia Picanto

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The tiny Kia Picanto can be insured for just £250 and bought for only £18,945.

One of the smallest motors on the list the quick little car is a perfect option for the city, learners or first time motorists.

Kia Stonic

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Another Kia, the Stonic, though much larger than the hatchback Picanto, can be insured for around the same at £260.

Buying one is a fair bit pricier though costing motorists around £20,265.

Hyundai i20

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Not to be confused with the much more powerful i20N the Hyundai i20 can be insured for just £282 and purchased for £20,880.

A little larger and more powerful than some other entries on the list the i20 offers a bit of a step up in performance for a bit of a step up in cost.

Toyota Aygo X

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Scraping in at the bottom of the list the Toyota Aygo X can be insured for £307, the only motor on the list to break the £300 mark.

It remains relatively cheap to buy however at around £16,515.

A SIMPLE holiday error could see a host of benefits including Universal Credit and PIP stopped.

You may even have to pay back any overpaid money and in a worse case scenario an up to £5,000 penalty too.

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Going abroad is classed as a change in circumstances which must be reported to the office that pays your benefits.

If you do not, it may be reduced or stopped and you could be told to pay back any overpaid amounts.

If you are found to have deliberately not reported going abroad, it is classed as benefit fraud and you could be taken to court or asked to pay a penalty of between £350 and £5,000.

However, at which point you have to report going abroad varies based on the benefit you are receiving.

For example, you don’t have to report going abroad if you’re on Attendance Allowance (AA) and going away for less than four weeks.

If you do need to report going abroad, you need to tell your local Jobcentre Plus or the office that pays your benefit.

This is the full list of benefits where you may have to report going abroad this summer:

• Universal Credit
• Jobseeker’s Allowance
• PIP
• Disability Living Allowance (DLA)
• Employment and Support Allowance (ESA)
• Attendance Allowance
• Carer’s Allowance
• Pension Credit
• Housing Benefit
• Statutory Maternity Pay (SMP)
• Maternity Allowance
• Child Benefit
• Guardian’s Allowance

Here are the rules on reporting going abroad for the major benefits.

Universal Credit

If you’re on Universal Credit, you can stay abroad for one month and carry on receiving payments.

You still have to tell your work coach you’re going away and have to carry on meeting the conditions of your claim.

For example, if you are in the intensive work group and have to spend a minimum amount of hours per week looking for a job, you have to continue doing this.

There are exceptions to the one-month rule though – such as if a “close relative” dies while you are abroad and it is not deemed reasonable for you to return to the UK.

Meanwhile, you can carry on claiming Universal Credit for up to six months if you have gone abroad for medical treatment.

You can report going away on holiday by signing in via your Universal Credit account.

Jobseeker’s Allowance

If you are on New Style or income-based JSA you must report if you are leaving Great Britain for any length of time.

You can let the Government know you are going away by calling the JSA helpline on 0800 169 0310.

You can also write to the Jobcentre Plus office that pays your JSA.

You can find your nearest office by using its online branch locator.

PIP and DLA

You have to tell the DWP if you are on Personal Independence payments (PIP) Or Disability Living Allowance (DLA) and going away for more than four weeks.

You have to tell the Government the date you are leaving the country, how long you are going away for and which country you plan to visit.

You also need to tell the DWP why you plan to go abroad.

You can call the Disability Service Centre on 0800 121 4433 to inform them you are going away if you are on PIP or DLA.

Attendance Allowance

Like with PIP and DLA, you have to tell the DWP if you plan to go abroad for more than four weeks and are on AA.

You can claim AA for up to 13 weeks while abroad, or 26 weeks if you’re going away for medical treatment.

Carer’s Allowance

If you are on Carer’s Allowance, you can go away for up to four weeks over a six-month period while still receiving the benefit.

But you still have to report this or risk having to pay back your entitlement or paying a fine.

You can report going away via the Government’s website or by calling the Carer’s Allowance Unit on 0800 731 0297.

Pension Credit

You can claim Pension Credit for up to four weeks if you are abroad.

This is extended to eight weeks if the absence is due to the death of your partner or a child.

However, you still need to report going abroad.

You can do this via the Government’s website or by calling the Pension Credit helpline on 0800 731 0469.

Housing Benefit

You can usually only carry on claiming Housing Benefit for up to four weeks if you go abroad.

Like with Pension Credit, you can carry on receiving it for eight weeks if you have to go abroad because a close relative has died.

But you should contact the Benefits Service on 020 7364 5000 to let them know you’re going away.

You might also be able to via your local council’s website. You can find your local council by using the Government’s online locator tool.

Do you have a money problem that needs sorting? Get in touch by emailing [email protected].

Plus, you can join our Sun Money Chats and Tips Facebook group to share your tips and stories

BRITS struggling to live have “every right to be angry” about illegal migrants getting cushy hotel rooms, Nigel Farage said yesterday.

The Reform leader hailed The Sun’s front page for laying bare the crippling cost of asylum accommodation.

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We told the case of Stuart Whittaker – a former factory worker from Hull who is now homeless – feeling he had been “shoved to the back of the queue”.

Downing Street yesterday admitted it was “absolutely not” fair that locals like him are sofa-surfing while taxpayers fork out for migrant hotels.

Also addressing the story in Port Talbot, Mr Farage said: “What I tell your man from Hull, is he has every right to be upset.

“Every right to be angry.

“Just don’t say anything on social media or Keir Starmer will put you in prison.”

He said that while legal migration has a bigger strain on public services, it is the “sheer unfairness of these young men” coming across the Channel illegally that rubs people up.

The cost of paying for asylum support has ballooned to around £4.7billion annually, and around 15,000 migrants have arrived from France this year already.

Sir Keir Starmer’s spokesman said: “It’s not fair that tens of thousands of people are stuck in an asylum backlog that’s wasting billions of pounds of taxpayers money, and that’s why we’re focused on taking the action needed to reduce the number of asylum seekers and hotels.”

Minister Chris Bryant yesterday insisted that the “best deterrent” against small boats was processing asylum claims quicker.

He was slammed by Tory Shadow Home Secretary Chris Philp, who said: “This is dangerous nonsense from a weak Labour Government.

“Giving illegal immigrants asylum faster is no deterrent – it will just attract even more to come here.

“A real deterrent would be removing every single illegal immigrant who arrives in the UK to somewhere like Rwanda.”

FATHER’S Day doesn’t need to cost you a fortune to be meaningful.

You can skip the overpriced socks and novelty mugs.

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These heartfelt, homemade ideas will show Dad he’s appreciated without blowing the budget this Sunday . . . 

SPOT ON: Create a Spotify playlist of your dad’s favourite songs or tracks that remind you of him.

You can add a custom photo design to the playlist to make it extra special.

OWE THAT’S NICE: Skip generic gifts and design personalised “IOU” vouchers for experiences he’ll truly enjoy.

Offer a DIY car wash, his favourite home-cooked meal, or a movie night of his choice to show him how much you care.

BOXING CLEVER: Upcycle old items into meaningful gifts.

Transform a worn-out toolbox into a stylish beer crate with £5 wood stain from Homebase, and throw in his favourite brews.

Or, layer paprika, salt and herbs in a jam jar for a custom spice rub set.

WRITE NOTES: Fill a jar with handwritten notes recalling your favourite moments with your dad.

Decorate it with string or ribbon from your craft box and a photo tag for an extra sentimental touch.

It will be something he can revisit whenever he needs a smile.

FUTURE MEMORIES: Organise a simple but special family outing, like a Sunday walk or bike ride, followed by a picnic with homemade sandwiches and snacks.

Quality time together is often the best gift and a chance to make memories.

•  All prices on page correct at time of going to press. Deals and offers subject to availability.

Deal of the day

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NEW parents can grab a bargain with the Nanobebe Ultimate Newborn 24-piece steriliser set, previously £89.99, now £17.99, at Home Bargains.

SAVE: £72

Cheap treat

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SNACK on a pack of Quorn cocktail sausages.

Usually £2 per pack, get them for £1 with a Tesco Clubcard.

SAVE: £1

What’s new?

STOP pets overheating in the sunshine with Aldi’s range of cooling pet toys, arriving in store this week with prices from £3.99.

Top swap

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COOL off with the Dyson AM09 Hot + Cool fan heater, £290, from Argos, or get to B&M for the Blaupunkt bladeless standing fan, for £39.

SAVE: £251

Little helper

MUCH hyped viral K-beauty brand Dr. Althea has landed at Boots.com this week – and to celebrate there’s 15 per cent off the range until Thursday.

Shop & save

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THIS sofa bed is stylish and handy for when friends stay over.

It was £159.99, now it’s £119.99 at The Range.

SAVE: £40

Hot right now

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PICK up half-price lingerie in the big Tu at Sainsbury’s sale,
on now.

PLAY NOW TO WIN £200

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JOIN thousands of readers taking part in The Sun Raffle.

Every month we’re giving away £100 to 250 lucky readers – whether you’re saving up or just in need of some extra cash, The Sun could have you covered.

Every Sun Savers code entered equals one Raffle ticket.

The more codes you enter, the more tickets you’ll earn and the more chance you will have of winning!

CHOC-lovers are fuming after Cadbury reduced the size of its Dairy Milk Little Bars multipacks by a third.

New packs of four are being sold for £1.40, even though packs of six cost the same last month.

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The change has been blasted by shoppers, including many parents who bought them as kids’ snacks.

One fumed on the Tesco website: “Advertised as new, only thing new is you get 4 instead of 6!! For the same price. Disgusting!”

A second said: “Stop reducing how much is in the packet and charging the same price!!!”

A third added: “Was a six pack now a four pack for the same price, a third less chocolate, unacceptable shrinkflation.”

It comes after Cadbury reduced packs of Freddos from five to four and Cadbury Dairy Milk multipacks were cut from nine bars to seven.

Cadbury said: “We understand the economic pressures that consumers continue to face and any changes to our product sizes is a last resort for our business.

“However, as a food producer, we are continuing to experience significantly higher input costs across our supply chain, with ingredients such as cocoa and dairy, which are widely used in our products, costing far more than they have done previously.

“Meanwhile, other costs like energy and transport, also remain high. This means that our products continue to be much more expensive to make and while we have absorbed these costs where possible, we still face considerable challenges

“As a result of this difficult environment, we have had to make the decision to slightly reduce the weight of our Cadbury Dairy Milk Little Bars multipacks so that we can continue to provide consumers with the brands they love, without compromising on the great taste and quality they expect.”

Dan Coatsworth, analyst at the investment firm AJ Bell, explained: “The cost of producing chocolate has gone up a lot in recent years, driving up prices and prompting firms to make products smaller.

“When production costs rocket, companies only have a limited range of options.

“They can pass on the costs to the customer through higher prices, which is difficult with a product like chocolate where people are often looking for a cheap treat.

“Another option is to reduce the size of the product in order to reduce the manufacturing cost for each bar of chocolate. Or they can try a combination of the two.

“As a last resort, companies may have to tolerate lower profit margins, especially if consumers refuse to tolerate price rises and stop buying.”

The British Retail Consortium said global cocoa prices are around three times higher than in 2022, after being badly affected by poor harvests in parts of Africa.

A MUM has shared how she ditched the UK for sunny Thailand with her kids and husband.

Lauren took to social media and shared why she left England and has no regrets in uprooting her family to South East Asia.

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The mum-of-two revealed that she and her family decided the cost of living and their busy schedule was too much.

Instead of putting up with it, they sold their house and bought a one-way ticket to Thailand for a new life.

She said: “We didn’t leave because we hated the UK.

“We left because life started to feel like one long checklist we didn’t remember choosing. Wake up. Rush. Work. Nursery. School. Bills. Repeat.

“We wanted more presence, more connection, more sunsets and slow mornings.

“So we sold almost everything, booked a one-way ticket, and figured it out as we went.

“It’s not perfect, but it’s ours, and we’ve never felt more free.”

Lauren often shared her new life in Thailand on social media and recently shared one of their favourite breakfasts while they stayed in Koh Samui.

She headed to one of her favourite food vendors and ordered fried chicken and sticky rice before getting some Thai milk tea.

The mum even said that she thought the iced tea was better than English Breakfast tea.

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The mum added: “Hands down they are better than an English breakfast tea. They’re sweet, they’re icy. They do give you that little tea fix.”

She said the next step to the perfect breakfast was to locate the nearest beach.

“The beach closest to our house here is Chong Mon. And if you are coming to Koh Samui, even just on holiday, I really recommend this area,” Lauren said.

“It’s kind of like a mix between touristy but not too touristy.

“The beach here is so good for kids because the water is really shallow.”

Finally, she and her family sat down on the beach to enjoy their breakfast with a stunning view.

The clip went viral on her TikTok account @lifealongsidelauren with 120k views.

People were quick to take to the comments in awe of Lauren’s new life.

One person wrote: “Living the dream, I would swap my builders’ tea in England for yours any day of the week.”

Another commented: “I have been following for a while just wanted to say that because of you and your TikTok my future with my kids will look the same!”

“I haven’t seen your posts for ages, glad you’re still enjoying your new life,” penned a third.

Meanwhile a fourth said: “Brekkie on the beach..elite!”

“Love watching your adventures! We are coming to to Thailand in August and can’t wait,” claimed a fifth.

Someone else added: “Such an inspiration.”

WHAT could you do with a square meter in your outside space?

Turns out – quite a lot – says Gardeners’ World presenter Nick Bailey – who’s spearheading new campaign Make a Metre Matter.

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He wants to get Sun Gardening readers involved too – supporting wildlife and sustainability – and making the planet a better place.

“There’s 20 million gardens in Britain. If 20 million people just dedicated one metre, that’s quite a lot of metres isn’t it?,” he told me.

“There are loads of ways you can make a meaningful difference, including growing plants for pollinators, growing veg to cut down on food miles and creating a compost heap.”

Nick’s created a Headline Show Garden for BBC Gardeners’ World Live later this month – with lots of Make a Metre Matter ideas to take home.

He added: “You can grow nine lettuces in that space. You could grow four compact courgettes and supply your family with more courgettes than you could eat for the summer.”

Currently Asda are selling courgette seeds for £2 – and you can get them in the ground now.

“You could choose to put acid compost in there and put four blueberries in there ” he said.

“Within your first harvest you’ve made your money back.”

“Equally you could just sow some British native wildflowers, which could be as cheap as £2 to £3 for a packet.

“It will give you a brilliant long run of colour from May through to October,  with lots of interest for pollinators.

“You could also create a square metre pond. In the first month you’ll have about 10 species in the pond.

“A year down the line you’ll have 20 plus species and it just goes up and up and up.

“Insect and bees will come and feed from there, you’ll support birds, you’re supporting the aquatic life itself.

“It doesn’t have to be a big space to make a big impact.”

If you’re inspired to make a difference – you can register your meter to be entered into a Gardeners World prize draw to win a £1k voucher to spend at Crocus or two runner up Crocus prizes of £500.

Visit www.Gardenersworld.com for more information. Gardeners World Live takes place at Birmingham NEC from June 12 – 15.

Also in Veronica’s Column this week…

Top tips, news and a great competition to win a £100 Westland plant feed bundle.

TOP TIP Salvias are coming into their prime right now – especially the Mexican hardy shrubby ones like Hot Lips, Limelight and Amistad.
To ensure you get the best blooms all summer, we’ve got some top tips from expert William Dyson, from Great Comp Garden in Kent

• Grow them in pots, or in your borders – they like free draining soil and sunshine.
• If you give them an extra chop in mid to late of July – cutting a third of the growth-  they’ll spring back and reward you with tons of flowers until November.
• Companion plant with perennials to give a cottage garden look
• Or make a statement in a large pot.
• Don’t let them get too dry – they do like to be watered,
• Don’t feed them with nitrogen plant food because you’ll get more leaves and less flowers.

Great Comp’s summer garden show is on August 9 and 10.

NEWS! The Beardy Gardener – an award-winning garden designer, broadcaster and mental health advocate, is hosting his first ever Garden Gathering on June 21 at the Longstock Park Nursery on the Leckford Estate, near Andover. 

The event supports Andover Mind’s ‘Garden for Mind’ initiative, a therapeutic green space dedicated to enhancing mental health and wellbeing.
The Garden Gathering promises a vibrant day filled with expert-led workshops, live demonstrations, plant sales, and family-friendly activities. For more info visit www.beardygardener.com/garden-gathering

NEWS! The National Garden Scheme gives visitors unique access to over 3,500 exceptional private gardens across the UK while raising money for nursing and health charities. Visit the website to find a garden near you open this week.

WIN! Thanks to Westland  – we’re giving away two amazing plant feed bundles worth over £100 each. Each one contains Boost Boost All Purpose Granules, plant feed, Big Tom, Rose feed, bug gard and others. To enter visit www.thesun.co.uk/WESTLANDBOOST or write to Sun Westland Boost competition, PO Box 3190, Colchester, Essex, CO2 8GP. Include your name, age, email or phone. UK residents 18+ only. Entries close 11.59pm. June 28, 2025. T&Cs apply.

JOB OF THE WEEK You can move a lot of houseplants outside now to make space or give them a bit of a boost with natural light. Water hanging baskets daily, start deadheading roses.

TOP TIP – if you, like me, are struggling with blackfly right now – make a spray of washing up liquid (Ecover is best) and water – and give them a good soaking. 

FOLLOW ME for more top tips and news @biros_and_bloom

STRUGGLING households have just days left to apply for extra cost of living payments worth up to £1,000.

The cash is part of the Household Support Fund, which is a £742million fund distributed by councils in England.

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Local authorities have until March 31, 2026, to allocate their share of the fund and can set their own eligibility criteria.

Some councils have already starting distributing their share through cash bank transfers and vouchers while some are yet to.

Residents in Portsmouth in financial hardship and who are struggling to afford essentials can apply for an exceptional hardship payment worth up to £1,000.

Those on Universal Credit and other benefits can apply but you don’t need to be.

However, the city is closing applications at 12 noon on June 12 so you’ll need to move quickly.

Applications may also close early if the funds have been used up.

You’ll need to provide evidence of your income and bank accounts.

You also need to tell what you’ve done to improve your financial situation and why you need help.

The exact amount you receive depends on household size -the maximum amount is for six or more of £800.

Whereas one person gets £350, two people £420, three people £500, four people 600, and five people £700.

Households deemed to be in the highest level of need can be awarded a further £200 taking total payments up to £1,000.

To apply, visit the portsmouth.gov.uk website.

Can I get help if I live outside Portsmouth?

Most likely, yes. However, it will depend on your circumstances and where you live.

For example, the City of Doncaster Council is giving out up to £300 payments to families on Universal Credit.

While households in Middlesbrough can get vouchers worth up to £120.

The Household Support Fund was set up to help households cover essentials such as energy or water bills and food costs.

But, each council can set its own eligibility criteria meaning whether you qualify for help is a postcode lottery.

That said, funding is aimed at anyone who’s vulnerable or struggling to pay for essentials.

So, if you are financially hard-up or on benefits, it is likely you will be able to get help.

It’s worth bearing in mind, any help you receive via the Household Support Fund won’t affect your benefit payments.

The type of help on offer varies from supermarket vouchers to direct cash payments into your bank account.

Some councils are allocating their share of the fund to community groups and charities who you have to get in touch with.

If you’re on benefits, have limited savings, or are struggling to cover food and energy bills, it’s worth seeing if you’re eligible for help.

Contact your local council and see if you have to apply or whether support is being distributed automatically.

You can find what council area you fall under by using the government’s council locator tool – www.gov.uk/find-local-council.

AN INTERACTIVE tool can show you the best budget festival near you this summer.

This handy tool shows how you can max out your festival experiences – on a budget.

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Input your postcode and your favourite partying partner’s, and it will show all the summer shindigs you could be going to.

From comedy to music fests of all genres – the tool has it all.

It comes after research of 2,000 adults found Gen Z’s ideal summer would consist of five festivals and four trips abroad – but they have less than £1,000 to spend.

They would like to have a day at the beach seven times and go on four staycations during the three hottest months of the year.

And visiting a theme park is a summer must for 23 per cent.

But 79 per cent aren’t sure they’ll be able to afford everything they’d like to do – so, nearly four in 10 are planning to find cost-effective ways to travel to make the most of their budget.

Despite this, 23 per cent insist on tickets to at least one music festival this summer and a holiday abroad with pals is a ‘non-negotiable’.

But 24 per cent won’t compromise on comfortable and reliable travel to any events they go to.

As three quarters believe quality transport between events is important, because they want to be comfortable on long journeys (46 per cent) and want to get their trip off to the best start (44 per cent).

John Boughton, commercial director for National Express, which commissioned the research, said: “While the appetite for adventure is sky-high, the reality of rising costs means many young people are having to balance their dreams with what’s actually doable.

“As our tool shows, we are lucky enough to have hundreds of festivals and events around the UK at our fingertips, but a big blocker is the cost of an entertainment-filled weekend in a field – the prices can be well into the hundreds.

“That’s why we’re seeing Gen Z getting smart with their spending—being selective, savvy and seeking out ways to make the most of their money, with the travel there and back being key.”

The research also found Gen Z would like to attend six BBQs this summer and have fish and chips by the beach six times, while 29 per cent would love to spend more cash on dining out or takeaways, to save the strain of cooking.

And one in five have made plans to splash out on one or two key things this summer, but 17 per cent admit they’ve barely thought about it.

However, 72 per cent now feel as though having fun in the summer is a ‘luxury’, according to the OnePoll.com figures.

Although 43 per cent still say it’s more important to have fun in the sun – compared to the 15 per cent who reckon being sensible is a better option.

John Boughton, commercial director for National Express, added: “Ultimately, Gen Z aren’t prepared to sit the summer out.

“They’re finding clever ways to stay in the moment, prioritise what matters most, and still have an unforgettable time and it is encouraging that they are looking for affordable, reliable and comfortable travel to get the most out of their summer.

“This is a generation that thrives on fun, freedom and flexibility—and they’re making it work, one plan at a time.”

A MAJOR building society will make a big change to 47 savings accounts in weeks.

Nationwide is slashing the rates on several of its savings accounts.

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The moves comes after rate-setters on the BoE’s Monetary Policy Committee cut the base rate from 4.5% to 4.25%.

This was the fourth interest rate cut since 2020.

The base rate is used by lenders to determine the interest rates offered to customers on savings and borrowing costs.

A base rate cut can mean that mortgage rates are lowered, which is good news for homeowners.

But it can mean that savers lose out as the interest they earn on savings will drop.

As the base rate falls some lenders, including Nationwide, have chosen to lower the interest rates on some savings accounts.

That includes its Triple Access Saver account which will see interest lowered from 1.95% AER to 1.80% come July 1.

AER, or Annual Equivalent Rate, is used to show you what you could earn from a savings account over a year. 

Its Cash Child Trust Fund will also have its interest lowered.

The rate will be lowered from 3.55% AER to 3.30% next month.

Meanwhile, the interest on its Help To Buy ISA will be lowered from 2.90% to 2.70%

You can take a look at the full list of account changes below

• Branch Limited Access
  • Previous rate: 1.90% AER/gross (variable)
  • New rate: 1.75% AER/gross (variable)
• Limited Access Online Saver
  • Previous rate: 1.90% AER/gross (variable)
  • New rate: 1.75% AER/gross (variable)
• Limited Access Saver
  • Previous rate: 1.90% AER/gross (variable)
  • New rate: 1.75% AER/gross (variable)
• Branch Reward Single Access ISA
  • Previous rate: 3.35% AER/tax-free (variable)
  • New rate: 3.25% AER/tax-free (variable)
• Branch Single Access ISA
  • Previous rate: 3.35% AER/tax-free (variable)
  • New rate: 3.25% AER/tax-free (variable)
• Reward Single Access ISA
  • Previous rate: 3.35% AER/tax-free (variable)
  • New rate: 3.25% AER/tax-free (variable)
• Branch Single Access
  • Previous rate: 3.35% AER/gross (variable)
  • New rate: 3.25% AER/gross (variable)
• Single Access Saver
  • Previous rate: 3.35% AER/gross (variable)
  • New rate: 3.25% AER/gross (variable)
• Triple Access Online ISA
  • Previous rate: 1.80% AER/tax-free (variable)
  • New rate: 1.60% AER/tax-free (variable)
• Branch Triple Access ISA
  • Previous rate: 1.95% AER/tax-free (variable)
  • New rate: 1.80% AER/tax-free (variable)
• Triple Access ISA
  • Previous rate: 1.95% AER/tax-free (variable)
  • New rate: 1.80% AER/tax-free (variable)
• Branch Easy Access ISA
  • Previous rate: 1.55% AER/tax-free (variable)
  • New rate: 1.30% AER/tax-free (variable)
• Easy Access ISA
  • Previous rate: 1.55% AER/tax-free (variable)
  • New rate: 1.30% AER/tax-free (variable)
• Easy Access ISA 2
  • Previous rate: 1.55% AER/tax-free (variable)
  • New rate: 1.30% AER/tax-free (variable)
• e-ISA
  • Previous rate: 1.55% AER/tax-free (variable)
  • New rate: 1.30% AER/tax-free (variable)
• Fixed Term ISA Maturity
  • Previous rate: 1.55% AER/tax-free (variable)
  • New rate: 1.30% AER/tax-free (variable)
• Fixed Term Cash ISA Maturity
  • Previous rate: 1.55% AER/tax-free (variable)
  • New rate: 1.30% AER/tax-free (variable)
• Inheritance ISA
  • Previous rate: 1.55% AER/tax-free (variable)
  • New rate: 1.30% AER/tax-free (variable)
• Branch Reward Saver
  • Previous rate: 3.30% AER/gross (variable)
  • New rate: 3.20% AER/gross (variable)
• Reward Saver
  • Previous rate: 3.30% AER/gross (variable)
  • New rate: 3.20% AER/gross (variable)
• Help to Buy: ISA
  • Previous rate: 2.90% AER/tax-free (variable)
  • New rate: 2.70% AER/tax-free (variable)
• e-Savings Plus
  • Previous rate: 1.90% AER/gross (variable)
  • New rate: 1.75% AER/gross (variable)
• Branch Smart Limited Adult
  • Previous rate: 2.85% AER/gross (variable)
  • New rate: 2.75% AER/gross (variable)
• Branch Smart Limited Child
  • Previous rate: 2.85% AER/gross (variable)
  • New rate: 2.75% AER/gross (variable)
• Smart Limited Access Adult
  • Previous rate: 2.85% AER/gross (variable)
  • New rate: 2.75% AER/gross (variable)
• Smart Limited Access Child
  • Previous rate: 2.85% AER/gross (variable)
  • New rate: 2.75% AER/gross (variable)
• Future Saver
  • Previous rate: 3.55% AER/gross (variable)
  • New rate: 3.30% AER/gross (variable)
• Children’s Future Saver Issue 1
  • Previous rate: 3.55% AER/gross (variable)
  • New rate: 3.30% AER/gross (variable)
• Branch Future Saver
  • Previous rate: 3.55% AER/gross (variable)
  • New rate: 3.30% AER/gross (variable)
• Cash Child Trust Fund
  • Previous rate: 3.55% AER/gross (variable)
  • New rate: 3.30% AER/gross (variable)
• Child Trust Fund Maturity ISA
  • Previous rate: 3.55% AER/gross (variable)
  • New rate: 3.30% AER/gross (variable)
• Junior ISA Maturity
  • Previous rate: 3.55% AER/gross (variable)
  • New rate: 3.30% AER/gross (variable)
• Smart Junior ISA
  • Previous rate: 3.55% AER/gross (variable)
  • New rate: 3.30% AER/gross (variable)
• Branch Flex Saver
  • Previous rate: 1.65% AER/gross (variable)
  • New rate: 1.50% AER/gross (variable)
• Flex Online Saver Issues 1 and 2
  • Previous rate: 1.65% AER/gross (variable)
  • New rate: 1.50% AER/gross (variable)
• Flexclusive Saver
  • Previous rate: 1.65% AER/gross (variable)
  • New rate: 1.50% AER/gross (variable)
• Flex Saver
  • Previous rate: 1.65% AER/gross (variable)
  • New rate: 1.50% AER/gross (variable)
• Corporate Savings
  • Previous rate: 1.56% AER/1.55% gross (variable)
  • New rate: 1.30% AER/1.30% gross (variable)
• Branch Flex ISA
  • Previous rate: 1.60% AER/tax-free (variable)
  • New rate: 1.50% AER/tax-free (variable)
• Flex ISA
  • Previous rate: 1.60% AER/tax-free (variable)
  • New rate: 1.50% AER/tax-free (variable)
• Instant Access Saver Issue 10
  • Previous rate: 1.85% AER/gross (variable)
  • New rate: 1.70% AER/gross (variable)
• Single Access ISA
  • Previous rate: 3.35% AER/tax-free (variable)
  • New rate: 3.25% AER/tax-free (variable)
• 1 Year Triple Access Online ISA
  • Previous rate: 4.00% AER/tax-free (variable)
  • New rate: 3.75% AER/tax-free (variable)
• 1 Year Triple Access Online ISA Issues 16 and 17
  • Previous rate: 4.00% AER/tax-free (variable)
  • New rate: 3.75% AER/tax-free (variable)
• 1 Year Triple Access Online ISA Issue 18
  • Previous rate: 4.00% AER/tax-free (variable)
  • New rate: 3.75% AER/tax-free (variable)
• 1 Year Triple Access Online Saver Issues 3, 5, 9, 12, 15, 16, 17
  • Previous rate: 4.00% AER/gross (variable)
  • New rate: 3.75% AER/gross (variable)
• 1 Year Triple Access Online Saver Issue 18
  • Previous rate: 4.00% AER/gross (variable)
  • New rate: 3.75% AER/gross (variable)

If you are not happy with the change, it is always worth looking at other providers to see if you can get a better deal.

Websites such as MoneyFacts share the best offers on the market for savings and other types of bank accounts.

OTHER BANKING CHANGES

Nationwide is not the only bank lowering the interest on some of its deals.

Leeds Building Society is slashing the rates on 58 of its savings accounts.

That includes its Five Access Saver which will have its interest rates lowered from 3.77% AER to 3.55% come June 27.

Meanwhile, Vault customers will see interest rates on their account from 3.80% AER to 3.65% come June 26.

The change will take place from June 23, but dates can vary from offer to offer.

Online bank Monzo also lowerd the intertest on its Personal Instant Access Savings Pots from from 3.50% AER to 3.25% AER.