cost of living

MILLIONS of households could slash their water bills by up to hundreds of pounds a year.

But many Brits aren’t aware of the discounts they could be entitled to.

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All water companies in England and Wales now offer social tariffs to help lower-income customers.

But because each company sets its own rules, the support varies wildly depending on where you live.

Despite the growing cost of living and rising utility prices, millions of eligible people still aren’t claiming the discounts available.

Last year, consumer watchdog CCW said more than two million households had received help with their water bills, but millions more could be saving and aren’t.

Some of the biggest discounts are available through schemes like WaterHelp, run by Thames Water, which offers a 50% reduction.

The reduction is for households earning under £21,749 a year (not including disability benefits), or where bills account for more than 5% of net income.

There’s also WaterSure, a national scheme available to water meter customers on means-tested benefits.

If you have a medical condition that needs extra water or you have three or more children under 19 living at home, you could get your bill capped at the average annual charge.

With Thames Water, for example, that cap is currently £423 a year.

The average annual water and sewerage bill for a Thames Water customer is currently around £864.

So that means if you qualify for WaterHelp, you get 50% off your bill and would therefore save £432 a year.

What’s available at other providers?

Other providers offer even bigger savings.

Southern Water gives customers up to 90% off bills through its Essentials Tariff if they earn under £22,010 and have less than £16,000 in savings.

Wessex Water, South West Water, and Bournemouth Water also offer generous reductions, in some cases 85% or more, depending on your circumstances.

Meanwhile, Anglian Water, Essex & Suffolk Water, and Northumbrian Water offer discounts of up to 50% for households earning less than £23,933 or receiving Pension Credit.

In many cases, discounts kick in if your water bill makes up more than 3% of your income after housing costs.

To find out if you’re eligible, check your supplier’s website or give them a call.

Some schemes ask for proof of income or benefits, while others carry out a short financial assessment.

If you’re unsure who supplies your water, you can find out using this tool.

On top of that, many water firms also offer emergency grants to help with arrears, and free water-saving gadgets like tap aerators and shower timers to help cut your usage.

And with suppliers like Thames Water proposing price hikes of nearly 60% over the next six years, now’s the time to act.

Don’t wait until your bills go up, check if you can get help now and start saving.

If you’re struggling with the cost of living, it’s always worth checking what benefits you could be entitled to.

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

SANTANDER is slashing interest rates for two of its savings accounts from today – and customers should check if they’re affected.

The major bank is cutting savings rates from June 3 (today) on its Good for Life ISA and Rate for Life accounts.

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The interest rate on the Good for Life ISA account will drop from 4.5% to 4.25%, while the rate for the Rate for Life account will drop from 4.75% to 4.5%.

Those who have saved less than £1,000 in the Rate for Life account will still continue to earn the same rate (1%) on these balances.

It comes after the Bank of England (BoE) cut the base rate from 4.5% to 4.25% last month – the fourth cut since 2020.

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

While a rate cut is good news for borrowers, it’s usually bad news for savers, who will usually see savings rates fall when the base rate is cut.

This means they will earn less on their cash.

For example, the average easy access savings rate was 2.78% on May 8, when the base rate was cut.

Now it has dropped to 2.72%, according to comparison site Moneyfacts.

Santander is not the only bank cutting rates on savings accounts. HSBC has also cut rates on eight of its savings accounts today.

Nationwide Building Society cut savings rates on 63 of its accounts on Sunday, from easy-access ISAs to children’s accounts.

NatWest cut savings rates on four of its accounts last Friday.

Meanwhile, rates on three of its savings accounts and a kids’ current account will be slashed from July 15.

How to get the best savings rate

As savings rates tumble, now is a good time to check what the interest rate is on your existing account.

Around £280billion is sitting in accounts paying zero interest, according to latest data from the BoE.

If you have an interest rate below the rate of inflation – which is currently 3.5% – then consider moving your money elsewhere, otherwise the spending power of your savings is eaten away.

Use price comparison sites such as moneysavingexpert.com or moneyfactscompare.co.uk to browse the best savings accounts on the market.

The best easy access savings rate (based on a balance of £1,000) is offered by Atom Bank at 4.5 per cent.

Experts are predicting that more cuts to the base rate this year are likely, so it may be worth considering locking up your money in a fixed rate savings account if you can afford to do so.

The best one year fixed rate savings account is offered by Hampshire Trust Bank at 4.45%.

However, be aware that you usually can’t make withdrawals out of fixed term savings accounts, even in an emergency.

Anne Bowes from The Private Office said: “Review your savings accounts and switch if you are being paid an uncompetitive rate.

“Double check the terms and conditions of any account you are looking to open – or indeed close – as some accounts may have very short-term bonuses or restricted access.

“That means you might not earn as much interest as you hoped, or get hold of the money in as timely a manner as you were expecting.”

How to switch banks

For customers not happy with the latest shake-up, you may want to consider switching banks.

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.

DRIVERS looking to buy an affordable but reliable older motor should consider one of these top 10 picks from the Which? annual car survey.

The consumer group has revealed a list of cars it recommends with five-star reliability ratings between 10-15 years old, some for less than £3,000.

From nippy city cars to big family SUVs, there are options for all drivers hunting for a bargain buy that doesn’t scrimp on quality.

Michael Passingham, senior researcher at Which?, told thisismoney that hybrid cars have come to dominate the list of most reliable, older vehicles.

He said: “Why do these cars perform so well? One reason could be that the hardest part of a car’s life – starting and pulling away – are mostly handled by the small electric motor.

“These motors have fewer moving parts than combustion engines and, along with sturdy main battery packs, really don’t have to work all that hard. 

“The downside is that our data shows a much higher failure rate of the 12V battery (the small battery all cars have) on full hybrids; this component is worked hard so it pays to buy a quality one and get it replaced every five years or so.”

In good news for consumers, so called ‘full’ hybrids’ have been removed from the 2030 ban on sales of new petrol and diesel cars planned by the government.

Micheal warned against opting for a plug-in hybrid, saying that this type of car has “one of the least reliable engine types according to our data”.

Here is the full list of the 10 best buys for the most reliable older cars…

10. Toyota Auris (2012-2019)

Average used price: £4,650

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Faults: 28% Breakdowns: 7% Days off the road: 5.3

The predecessor to the Toyota Corolla, the Auris served as the brands family hatchback offering for almost two decades until it was replaced in 2019.

The second generation Auris, sold between 2012-2019, boasts impressive reliability with less than three in ten owners reporting faults in the last year, and only seven per cent saying their vehicle broke down.

The average price of £4,650 makes this a competitive option when looking for a family, and environment, friendly hatchback.

The only caveat is that the Auris took an average of 5.3 days to get back on the road after a breakdown, which is higher than other cars on this list.

9. Suzuki Alto (2009-2014)

Average used price: £2,800

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Faults: 25% Breakdowns: 1% Days off the road: 2.6

The Suzuki Alto, released in 2009, is still living up to its promise of being a cheap, compact and reliable supermini.

It was first offered for £6,000-£7,000 and now can be snapped up for less than three grand, the cheapest buy on this list.

The simplicity of the Alto makes it a particularly reliable option, with just 1 per cent reporting breakdowns in the last 12 months, and a quarter saying they had to deal with faults.

If it does need a repair, the Alto’s simplicity means it gets back to you in an average of only 2.6 days.

8. Toyota Yaris (2011-2020)

Average used price: £3,100

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Faults: 23% Breakdowns: 6% Days off the road: 3.1

The go-to small, dependable car for many in the last 25 years, the Yaris, is still making recommendation lists for its affordability and reliability.

With less than a quarter reporting faults and only 6 per cent dealing with a breakdown in the last 12 months, the Yaris still holds up remarkably well after all this time.

This is the 2011-2020 model with a hybrid drivetrain, an addition which makes it economical to drive as well as to buy, averaging just over £3,000.

7. Suzuki Swift (2010-2016)

Average used price: £3,500

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Faults: 27% Breakdowns: 8% Days off the road: 1.4 

Suzuki appears again on this list with the 2010-2016 Swift supermini, a compact, simple vehicle at a compelling price.

Received positively upon release, the Swift was praised for being fun to drive with a competitive blend of efficiency and performance.

Now on sale for only around three and a half grand, this might be a great option for those looking for a small but fiery little motor.

Although it scores a little worse on breakdowns, with 8 per cent being the highest on this list, it does only spend a brief 1.4 days in the shop when things do go wrong.

Couple this with a good score of 27 per cent reporting faults, and this characterful car is still a good buy in 2025.

6. BMW X1 (2009-2015)

Average used price: £5,200

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Faults: 35% Breakdowns: 7% Days off the road: 2.1

In a shock entry to this list, the BMW X1 is an outlier for luxury SUVs, which are often unreliable and costly to repair.

On the contrary, the X1 competes with other, much smaller, simpler cars with a respectable record of just 7 per cent reporting breakdowns last year and only 2.1 days taken to fix on average.

Consumers may be able to take advantage of typically low SUV resale prices, generally due to reliability and repair cost concerns, to pick up this hidden gem for a very reasonable price of around £5,000.

That said, the X1 does rank low on this list in terms of faults, with over a third experiencing issues in the last 12 months.

5. Skoda CitiGo (2009-2019)

Average used price: £4,500

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Faults: 22% Breakdowns: 5% Days off the road: 2.8

Mechanically identical to the VW Up!, the Skoda CitiGo was meant for squeezing into tight parking spaces and down narrow streets while keeping your fuel costs and insurance premiums to a minimum.

After being discontinued five years ago, the CitiGo now makes for a tempting prospect on the second-hand market.

It was initially praised for being surprisingly roomy for being so small, and for being the cheaper alternative to the Up! while essentially being the same car.

It boasts impressive reliability, with only 22 per cent reporting faults and 5 per cent experiencing a break down.

The CitiGo is fairly quick to repair as well, only spending 2.8 days at the garage before being ready for more.

4. Honda Jazz (2008-2015)

Average used price: £3,800

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Faults: 25% Breakdowns: 4% Days off the road: 2.7

Almost exclusively driven by those of a certain age, the Honda Jazz is popular amongst the older demographic for a reason: its convenient, reliable and easy to drive.

These attributes might get Grandma excited, but they should also make the Jazz an attractive option for anyone looking for a solid vehicle at a bargain price.

One in four owners reported a fault with their cars and the average time in the garage was 2.7 days being fixed by mechanics.

Your Jazz shouldn’t be seeing the inside of a garage too often though, with only 4 per cent breaking down in the last year.

3. Lexus RX 450h (2009-2015)

Average used price: £6,400 

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Faults: 16% Breakdowns: 0%  Days off the road: 2 

This chunky SUV was voted the most satisfying car to own in 2024 in a Which? survey.

A glance at the cars record quickly confirms that one of the factors that make it so popular must be its excellent reliability.

Looking at the hybrid-powered models here, only 16 per cent reported a fault in the last year and none had their RX break down on them.

For the times that the RX was sent into the garage, it only spent 2 days on average being worked on.

The price is a little higher than some others on this list, but buyers are getting both space, comfort and relatively good fuel efficiency.

2. Mazda MX-5 (2005-2015)

Average used price: £3,800

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Faults: 26% Breakdowns: 0% Days off the road: 1.7

The iconic MX-5 speeds into the number two spot for good reason, bucking the trend of unreliable sports car to still deliver thrilling driving with solid build quality at a good price.

Hailing originally from the late 1980’s, this example of the world’s best selling roadster is the third generation MX-5, it debuted in 2005 and still holds up today.

The record from Which?’s data is flawless when it comes to breakdowns, and shows that this classic is quick to fix only spending 1.7 days in the shop.

Just over a quarter reported faults, but that’s not a huge figure when it comes to second-hand sports cars.

1. Lexus CT 200h (2011-2020)

Average used price: £7,300

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Faults: 13% Breakdowns: 0% Days off the road: 1.2 

Topping the list as the most reliable 10 to 15 year-old car comes the Lexus CT 200h, a full hybrid hatchback which served as the brands answer to the Ford Focus and VW Golf until 2020.

CT 200h owners surveyed by Which? delivered glowing reviews, reporting zero breakdowns and only 13 per cent experiencing a fault with their car.

Drivers praised the vehicles comfort and, of course, reliability, only pointing to a small boot and clunky infotainment system as critiques, as reported by thisismoney.

The car sells for around £7,000, the priciest offering so far, but its near spotless record should mean your investment pays off with a dependable motor that is good for years to come.

The ones to steer clear of

Which? puts the diesel powered Vauxhall Zafira (2005-2014) and Nissan Qashqai (2007-20013) as two of the least reliable vehicles that consumers should steer well clear of if dependability is their aim.

The Zafira has become known for catching fires in recent years due to issues with its heater blower motor and regulator. This usually happens when owners replace parts with cheaper, aftermarket components.

It is hardly a wonder that drivers are turning to cut-price alternatives when the Zafira breaks down on three in ten owners, with more than half reporting faults in the last year.

The car also takes a whopping 14 days on average for repairs to be made.

The first generation Nissan Qashqai also from suffers reliability issues, and needs almost a week in the garage on average before it is road-ready after a malfunction.

Both these cars use diesel fuel, and Which? has found that this is by far the worst fuel type for reliability, with an average fault rate of 48 per cent, compared to 39 per cent for petrol and 23 per cent for hybrids.

WITH Brits continuing to count their pennies more than ever before, many are looking for ways on how to get by barely spending. 

From hunting down freebies, to spotting a hidden bargain or downloading apps for discounts, people are trying their best to not overspend. 

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Luckily, money saving experts are sharing their top tips on social media so that everyone can get by without having to scrape the coins. 

Chloe, who is known as ‘chloesdealclub’ on TikTok, has recently shared a video showing how she manages to get a free breakfast from Lidl. 

And the best part about it? There’s no minimum spend either. 

Speaking to her 48.3k followers, Chloe explained that customers just need to download the Lidl Plus app and create a new account. 

She advised to get someone else in your household that doesn’t have one to do this if you have already got one. 

After downloading and signing up for the app, Chloe explained that you should receive three freebie coupons into your app. 

She showed that the coupons include a free Lidl tote bag, a bakery item, and fresh fruit. 

Chloe said: “So go to Lidl and get a pastry and some fruit, or you could even get stuff to make avocado on toast. There’s loads of options.” 

She added: “You’ve got a free breakfast and a bag to carry it home in.” 

In the caption section, Chloe also explained that there’s “no minimum spend so you can get these freebies without buying anything else.” 

The video received 78.5 views and 74 comments after four days of being shared on her account.

Many wanted to share their excitement after hearing the news. 

One wrote: “Got mine. Thank you for sharing.”

A second added: “Free strawberries! I’m going to get everyone in my house to download it!” 

Whilst a third said: “It’s true, I had also downloaded the Lidl app, from which I also got this shopping bag, muffins and many other things.”

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IF your child’s birthday is coming up and the thought of splashing the cash on a lavish cake sends shivers down your spine, fear not, you’ve come to the right place.

Many parents will know that ordering a personalised birthday cake can often end up costing hundreds of pounds.

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But in a bid to save cash, one savvy mum took matters into her own hands and was able to cut costs by DIY-ing her little darling’s birthday dessert.

Posting on social media, a mother named Amy shared a step-by-step tutorial of how she DIY-ed her daughter Myla’s pink birthday cake – and it cost her less than £20.

So if you’re on a budget and your purse is feeling tighter than ever before, then you’ll need to listen up. 

The UGC content creator explained that to celebrate her daughter turning one, she decorated the Pretty in Pink Lambeth Cake, which she bought from Waitrose.

The pink coloured golden sponge cake, which is filled with raspberry jam and topped and decorated with pale pink and dark pink buttercream, cost Amy just £18.

Then, using some pink icing and ribbons she already had, she was able to personalise the cake – and we think it looks incredibly professional.

Alongside a short clip shared online, the influencer penned: “Making my daughter’s first birthday cake, saving £100s!”

Showing off the box-fresh vintage-style cake, which is decorated with whirls and swirls of piping, Amy beamed: “Come with me to DIY my daughter’s first birthday cake for only £18!” 

Amy confirmed that she used letter cutters to cut out “Myla is one” in pink icing, which she placed on top of the cake.

Following this, she attached pretty pink bows, which she already had from Shein, and was able to stick these to the cake with cocktail sticks. 

We think Amy’s DIY cake looks brilliant and is a great way for those strapped for cash to save money, without having to scrimp on the celebrations. 

The TikTok clip, which was posted under the username @mummyandmylaa, has clearly left many open-mouthed, as it has quickly racked up 178,600 views.

Not only this, but it’s also amassed 2,782 likes, 31 comments and 780 saves. 

Social media users were impressed with the jaw-dropping cake and many eagerly raced to the comments to express this. 

One person said: “Love that. Wish I hadn’t already ordered a cake almost the exact same.”

Another added: “This is genius!” 

A third commented: “Super cute!”

Not only this, but another parent beamed: “Omg that cake is adorable, I wish I knew about it before!” 

This is genius!

TikTok user

At the same time, one user wondered: “What it nice? I worry that supermarket cakes can be dry inside as they are sat on the aisle for a while.”

To this, the content creator replied and confirmed: “Not dry at all!!! 

“Honestly, it tasted AMAZING, no regrets!!!” 

Unlock even more award-winning articles as The Sun launches brand new membership programme – Sun Club

HAVING family over soon but stuck for ideas as well as cash?

You could jazz up dishes, for added wow factor, just by using leftover uncooked veg to knock up some pickle or relish. Here’s some ideas . . . 

RECYCLE OLD JARS: You will need jars to put your pickle or relish in, and could get a 12-pack of 300ml ones at Hobbycraft for £9, but the cheapest way to get started is to reuse empty jam or sauce jars.

Give them a good wash, or pop in the dishwasher then use boiling water to rinse.

TANGY TREAT: Pickled red onions are easy. Finely slice the onion, pop in a jar, cover with white wine vinegar, £2 at Sainsbury’s, and add a pinch of salt and of sugar.

Put the lid on and shake, leave for 20 minutes before trying — adding more vinegar, salt or sugar as you think best.

Pop in the fridge and use on everything from tacos to sarnies.

SPICE OF LIFE: Slice up any spare chilli peppers and pop in a jar.

Then put 100ml of water in a pan and heat on the stove with a few teaspoons of sugar and one of salt, plus you could add mustard seeds or bay leaves from your spice rack. Bring to the boil then pour the liquid into the jar.

Carefully put the lid on the jar and leave to cool. Once at room temperature, store in the fridge and the chillis should keep for a few months.

CRUNCHY RELISH: Use up any mini- cucumbers or radishes to make a tasty relish.

Slice your veg and keep it crunchy by adding to a sieve with ice cubes for ten to 20 minutes before pickling.

Make a brine following the same instructions as before, leave to cool and add to the jar with your veg.

You can also add onion, and herbs such as dill, for extra flavour.

PASS THE CARROTS: The key for great pickled carrots is to cut them up into very fine matchsticks or use a peeler to create shavings.

Follow the same brine instructions as above, but add some rice wine vinegar if you have it, as well as a dash of fish sauce.

Once cooled and refrigerated, you can use these on Asian dishes such as dumplings or stir fries.

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

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Deal of the day

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PICK up the Graco Myavo Stroller in midnight black at smythstoys.com – usually £124.99, now £99.99 as part of the baby goods sale.

SAVE: £25

Cheap treat

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TUCK into a Curry Pot Noodle from Iceland. They were £1.20 each, now down to 67p.

SAVE: 53p

What’s new

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CHARM your way into a loved one’s heart with a gift from Pandora.

The summer sale is now on, with up to 40 per cent off the popular charms and jewellery.

Top swap

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GIVE brows a makeover using the Diorshow brow styler, above, £24.95, or try the budget e.l.f. Instant Lift brow pencil, below, £3, both Boots.

SAVE: £21.95

Shop and save

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HIDE clutter in a stylish storage trunk. This Remy basket was £25 and is now down to £20 at Dunelm.

SAVE: £5

Hot right now

STOCK up on your favourite beers at Morrisons with an offer of three packs for £30, saving around £9.

Includes ten-packs of Estrella and Doom Bar.

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!

AS KING Canute found over a thousand years ago, it is quite difficult to stand on a beach and order the tide to recede. 

Today, it is equally difficult to make the argument that giving families cash is not always the best way of lifting them out of poverty. 

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This is especially true when one particular measure becomes the symbol of whether or not you’re on the right side of the debate about child poverty.

But as someone who now can afford the comforts of life, I constantly remind myself of my childhood.

The grinding poverty that I experienced when my father was killed
in a work accident when I was 12 – leaving my mother, who had serious health problems, to fight a long battle for minimal compensation.

Having only bread and dripping in the house was, by anyone’s standards, a hallmark of absolute poverty.

Why on earth would I question, therefore, the morality of reversing a Tory policy introduced eight years ago?

This restricts the additional supplement to universal credit – worth over £3,000 a child per year – to just two children. 

I should know, my friends tell me, that the easiest and quickest way of overcoming the growth in child poverty is to restore the £3.5 billion pounds it would cost to give this additional money for all the children in every family entitled to the credit.

It is true that the policy, introduced in 2017, failed its first test.

Women did not stop having more than two children even when they were strapped for cash. It is still unclear why. 

After all, many people have to make a calculation as to how many children they can afford.

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But one thing must be certain: namely, that if you give parents a relatively substantial additional amount of money for every child they have whilst entitled to benefits, they are likely to have more children.

Nigel Farage, leader of Reform UK, said as much last week. His argument for restoring the benefit to the third and subsequent children was precisely that we needed to persuade low- income families to have more children.

Surely having children that you cannot afford to feed is the legacy of a bygone era?

All those earning below £60,000 are entitled to the basic child benefit, so the argument is about just over £60 a week extra per child.

One difficulty in having a sensible debate about what really works in overcoming intergenerational poverty is the lack of reliable statistics.

Some people have claimed, over recent days, that over 50 per cent of children in Manchester and Birmingham live in poverty. 

I fear that such claims should be treated with scepticism.

Those struggling to make ends meet – sometimes having not just one but two jobs – who pay their taxes and national insurance and plan their lives around what can be afforded, have the right to question where their hard-earned wages go.

The simple and obvious truth is that child poverty springs from the lack of income of the adults who care for them.

Transforming their lives impacts directly on the children in their family.

There is a limit to how much money taxpayers are willing to hand over to pay for another family’s children. 

Helping them to help themselves is a different matter.

So, what would I do?

Firstly, I would ensure that families with a disabled youngster automatically have the entitlement restored.

This would self-evidently apply also to multiple births. 

In both cases, life is not only more difficult, it is also harder to get and keep a job.

I would come down like a ton of bricks on absent parents.

My mum was a single parent because she was widowed; many others are single in the sense that the other partner has walked away.

The Child Maintenance Service should step up efforts to identify and pursue absent parents who do not pay their fair share towards their child. 

We, the community, have a clear duty to support and assist those in need.

To help those where a helping hand will restore them to independence and self-reliance.

But there is an obligation on individuals as well as the State, and mutual help starts with individuals taking some responsibility for themselves.

Finally, if (and this is where I am in full agreement with colleagues campaigning to dramatically reduce child poverty) we make substantial sums of money available to overcome hardship, then a comprehensive approach to supporting the families must surely be the best way to achieve this.

As ever in politics there is a trade off. What you spend on handing over cash is not available to invest in public services: that is the reality.

Help from the moment a child is born, not just with childcare but with nurturing and child development.

Dedicated backing to gain skills and employment and to taper the
withdrawal of help so that it genuinely becomes worthwhile having and keeping a job. 

A contract between the taxpayer and the individual or household.
Government is about difficult choices, that is why Keir Starmer and his colleagues are agonising over what to do next.

THOUSANDS of struggling households are eligible for free cash worth £100 to cover the cost of living.

The help comes via the Household Support Fund, a £742million pot of money that has been shared between English councils.

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Local authorities then have to decide how to distribute their share of the fund before March 31, 2026.

Hartlepool Borough Council has been given £1.75million to share between hard-up households.

The local authority is giving £40,000 to Hartlepool Food Bank to distribute food parcels across the borough and £90,000 to Citizens Advice to help residents struggling with their energy bills.

But, it is also distributing £100 food vouchers to all children eligible for free school meals aged between two and 19.

Meanwhile, £100 bank payments or food vouchers will be shared between pensioners on council tax support.

Details on how either of the £100 payments will be distributed are yet to be revealed.

However, if you meet the criteria, you will likely be contacted by Hartlepool Council about when to expect them or any next steps.

We have also contacted Hartlepool Council to find out when families with children on free school meals and eligible pensioners will receive the payments and will update this story when we have heard back.

Councillor Brenda Harrison, leader of Hartlepool Borough Council, said: “We know that a lot of households across the borough are struggling financially, and we hope that these measures will help to bring them some much-needed relief and ease the pressure they are currently under.

“This demonstrates the Council’s on-going commitment and determination to tackle financial hardship and to improve the lives of Hartlepool residents.”

Can I get help if I live outside Hartlepool?

Put simply, yes. However, it will depend on your circumstances and where you live.

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.

Other help if you’re on a low income

It’s not just the Household Support Fund you can lean on if you’re struggling to cover the cost of essentials like energy bills or food.

You might be able to get free money covering the cost of food if you’re on benefits through the Healthy Start scheme.

The scheme is open to pregnant women and families with young children on low incomes.

You get a prepaid card which you top up and can use to buy healthy foods for your kids at the supermarket.

You can get £8.50 per week for newborns up to one-year-olds – worth £442 a year. Find out more via healthystart.nhs.uk.

Meanwhile, several energy firms offer grants to households who are struggling to pay their energy bills worth up to £2,000.

This includes British Gas, Octopus Energy and EDF.

It’s also worth checking if you’re eligible for benefits if you haven’t already – billions of pounds worth is going unclaimed, according to Policy in Practice.

You can use one of the below calculators to find out if you could be eligible for help:

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 MAJOR building society is set to slash interest rates on 37 of its personal savings accounts within days.

Newcastle Building Society is dropping rates on dozens of variable rate savings accounts from June 5.

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It comes after the Bank of England (BoE) cut its base rate from 4.5% to 4.25% earlier this month.

The base rate is the rate charged by the BoE to smaller high street banks on loans, with any fall usually mirrored in savings rates.

Newcastle Building Society is reducing rates on the 37 personal savings accounts by 0.25 percentage points.

The Double Access Saver/ISA (Issue 4) will drop from 4.05% to 3.80%, for customers eligible for a bonus interest rate.

Meanwhile, the Newcastle Cash Lifetime ISA (Issue 3) will fall from 2.70% to 2.45%.

The Newcastle Junior Cash ISA will be cut from 3.75% to 3.50% and the Regular Saver Plus from 2.50% to 2.25% for anyone receiving the bonus interest rate.

Customers with fixed-rate savings accounts won’t see interest rates fall from June 5.

Interest rates on two variable rate savings accounts – the Loyalty Saver (Issue 1) and Quadruple Access Saver/ISA (Issue 1) – will also not change as they have only been available to customers since April 24.

You can view the table above to find out how the interest rate on your savings account has changed.

Or, you can visit www.newcastle.co.uk/savings/manage-your-savings-account/interest-rates and click on “Current and Closed Issue Variable Savings Interest Rates”.

The Sun asked Newcastle Building Society to comment.

MAJOR BANKS CUTTING RATES

A host of banks are reducing interest rates on savings accounts as the BoE continues to cut its base rate.

HSBC is cutting rates on eight of its savings accounts from June 3, and joins NatWest and Nationwide who are both doing the same.

Nationwide is cutting interest rates on over 60 savings accounts from June 1 including a number of ISAs and easy access accounts.

NatWest is also cutting rates on a number of accounts from the end of this month.

It comes after the BoE cut its base rate from 4.50% to 4.25% on May 8.

The central bank raises its base rate to discourage people from spending and encourage them to save, which in turn is designed to make inflation fall.

It lowers its base rate when inflation is under control, meaning people are encouraged to spend and pump money into the economy.

A lower base rate signals good news for those with mortgages who see the interest rates charged on them fall.

However, it’s usually bad news for those with savings accounts as banks slash interest rates.

If you’ve got a savings account with an interest rate set to drop, it might be worth shopping around for a better deal now.

Check out comparison sites like moneysavingexpert.com and moneyfactscompare.co.uk to browse the best out there.

According to Moneyfacts, Chip is offering the best rate on an easy access savings account, with a rate of 4.77%.

Meanwhile, the best easy access cash ISA is also with Chip and offering a rate of 4.99%.

Always look beyond just the headline interest rate on any savings account though.

Some offer additional perks which can make them more cost-effective and suited to you, based on your circumstances.

For example, some offer you access to free TV subscriptions or cheaper or free cinema tickets.

Different types of accounts pay out interest at different times too while others will offer a bonus interest rate which falls after a set period.

Some savings accounts penalise you for making withdrawals over a certain limit.

Meanwhile, ISAs can be effective for saving cash as any interest earned on them is tax-free.

Read more below about the different types of savings accounts and what they offer.

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

I PUSHED the order button on my phone and then 10 minutes later my groceries were at my door. 

I often find I’m missing an ingredient for a recipe and with two kids at home it’s easier to get the items delivered. 

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But how much extra am I paying?

Sun Savers Editor Lana Clements puts 60-minute delivery services to the test.

To my home in Maidenhead I can get Tesco Whoosh, Sainsbury’s Chop Chop, Morrisons via Amazon, Waitrose via Uber Eats and Co-op via Deliveroo.

I ordered the same basket from each shop.

Selecting the cheapest, pint of semi-skimmed milk, six-pack of eggs, punnet of strawberries, three-pack of Solero ice creams, loaf of white bread and two-pack of burgers. 

TESCO WHOOSH

• MIN SPEND: No minimum spend but baskets under £15 incur an extra £2 charge.
• BASKET COST: £16.55
• FEES: £2.99
• TOTAL COST: £19.54

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Tesco claims deliveries come in 20 minutes to 70 per cent of the UK from 1,500 stores. 

It was easy to order through the Clubcard app.

I did find the choice of items were fairly limited and more premium products on offer than basic ones. 

For example, only Tesco’s finest burgers and strawberries were available, plus the smallest carton of milk available was two pints as opposed to one.  

This pushed up the overall cost of the basket.

Although, it does have a low delivery fee compared to other supermarkets. 

My order arrived in 12 minutes, which was pretty speedy.

The strawberries did have a short best before date, which is annoying. 

RATING: 3/5

SAINSBURY’S CHOP CHOP 

• MIN SPEND: £15
• BASKET COST: £15.20 
• FEES: £4.99, plus carrier bag fee 30p
• TOTAL COST: £20.49

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It claims to deliver within an hour less from 800 stores.

You need to download the Chop Chop app. 

The choice of products was good and I was able to order everything I needed and keep costs relatively low.

For example, I was offered three different packs of strawberries to choose from. 

This means the basket cost was lower than rival Tesco, however, the fees were more than £2 higher and included a carrier bag fee making it more expensive overall.  

The order came exactly 10 minutes after placing it making it the fastest in the test.

And I can’t complain about the food which was all in great condition. 

You can also order Sainsbury’s through Uber Eats and Deliveroo but you can earn Nectar points when ordering through Chop Chop.

This was the quickest delivery and there was a great choice of food but the fee was at the higher end of the scale. 

RATING: 4/5

MORRISONS VIA AMAZON

• MIN SPEND: £15 for Amazon Prime members, £40 for non-members
• BASKET COST: £15.48 ( plus the extra sausages)
• FEES: Orders over £60 are free for Prime members, £2 for between £40 and £60, and £4 under £40. For non-members, fees are £3 for orders over £60 and £5 between £40 and £60.
• TOTAL COST: £19.48

Same-day deliveries within two-hour timeslots. 

When I logged on at 9.30am in the morning, I had the choice of three slots available with the earliest being 2-4pm, the next 4-6pm and then 6-8pm. 

I picked the later slot to make sure I didn’t miss the delivery while on the school run.

The choice of products was fantastic and the cheapest prices. 

I needed to meet a minimum spend of £15, as I’m an Amazon Prime member. I added on a pack of sausages to bring the total order up to £15.48.

By 8pm nothing had arrived. 

Then at 8.09pm I received a text message to say the order had been cancelled and that I would be refunded.

There was no reason given for the cancellation. 

Luckily we didn’t go hungry as the other orders were arriving – but I was not impressed.

The fees and minimum spends are offputting too. 

RATING: 0/5

WAITROSE VIA UBER EATS

• MIN SPEND: No min spend over £15, but under £15 it’s £3.
• BASKET COST: £13.11 (after discounts)
• FEES: £3.93 Made of three parts:
  *Service fee (10% of your subtotal capped at £2.99) £1.64 for my order  
  *Delivery fee (depends on variables including location and availability of drivers) £1.79 for my order.
  *Bag fee (depends on retailer) 50p for my order
• TOTAL COST:  £17.64

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On Uber Eats I can get Sainsbury’s and Co-op delivered as well as Waitrose.

The selection from Waitrose was great and my order arrived within 26 minutes. 

I also got 50 per cent off selected fruit and veg as there was an offer running, which knocked off £2.69 off my total bill.

The fees seem excessive as you’re charged for service, delivery and bags separately.

My order was also split into two bags, pushing up the cost. 

Good choice of food and it arrived in reasonable time and condition. 

RATING 3/5

CO-OP VIA DELIVEROO 

• MIN SPEND: No min spend
• BASKET COST: £13.55 (no eggs) changed to £8.10 after substitutions (no eggs, no strawberries) 
• FEES: £1.95
  *Service fee: £1.36
  *Delivery fee: 49p
  *Bag fee: 10p 
• TOTAL COST: £10.05 

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Through Deliveroo I can get Waitrose and Sainsbury’s delivered but I tested Co-Op.

Unfortunately, it was not long after the supermarket suffered from cyber attacks impacting its stock levels and product availability. 

However, I was still able to order burgers, milk, bread and ice lollies – and raspberries instead of strawberries. But there were no eggs at all. 

The original order total came to £15.50.

However, the raspberries were out of stock when it came to packing and my one pint of milk was changed to a two-pint carton, while the lollies were changed to Co-Op own brand. 

The order arrived in a reasonable 17 minutes. 

Unlike all the other deliveries, my Co-Op shopping arrived in a green compostable bag. 

This didn’t seem to offer the food as much protection as the brown paper bags from the other supermarkets. 

As a result, I wasn’t too happy with my loaf of bread which arrived seriously squished. 

Fees are split in a similar way to Uber Eats and made up of three parts.

The order arrived in good time but I wasn’t happy with my squashed bread and the choice also let down the experience but this seemed like bad timing.  

RATING: 2/5

OTHER SUPERMARKETS 

Asda and Ocado both offer speedy grocery deliveries.

Asda offers between an hour and four hours from 330 stores.

My closest branch is five miles away but I couldn’t get it delivered.

There’s no minimum spend and fees are £8.50 to £8.99. 

Ocado’s Zoom delivery is between 6am and 10pm.

It currently only covers parts of West and East London.

Minimum spend is £15 and fees start from £1.49. 

ENERGY bills are set to drop this July, bringing much-needed relief to millions of households.

The energy regulator Ofgem has confirmed the new price cap, which comes into effect on July 1, 2025.

The average gas and electricity bill is set to drop from £1,849 to £1,720, saving the typical household £129 a year.

But bear in mind the exact amount you pay can be higher or lower depending on your usage, and the cap is reviewed every three months.

This is significantly higher than the drop this time last year, when it decreased from £1,690 a year to £1,568.

The savings will still provide relief to millions, as over 22million households on standard variable tariffs are directly affected by the price cap, which is updated every three months.

Experts at Cornwall Insight had rightly predicted the energy price cap would drop to £1,720 in July.

Currently, the price cap sets annual energy costs at around £1,849.

However, many households may still pay more than Ofgem‘s headline figure.

This is because the price cap doesn’t cap total bills but limits the maximum cost per kilowatt-hour (kWh) of gas and electricity, along with daily standing charges.

Ofgem’s headline figure is based on the assumption that a typical household consumes 2,700 kWh of electricity and 11,500 kWh of gas annually.

So if you use more than a typical households expect to pay more.

However, energy experts say that households could make significant savings by switching to a fixed-rate energy deal now.

By choosing a fixed deal, customers can lock in consistent rates for a set period, potentially avoiding fluctuations in energy prices.

Of course, opting for a fixed energy deal carries the risk that, if energy prices drop further, you might end up paying more than you would on a variable tariff.

However, analysts have long said that households should not anticipate any significant drops in prices this year.

In response, National Energy Action Chief Executive Adam Scorer said: “Any fall in the price of energy is always welcome news, but this is a short fall from a great height. Bills remain punishingly high for low-income households.

“Four years of extraordinarily high energy bills has taken its toll. We hear heart-breaking cases every day.

“The likely expansion in eligibility for the Winter Fuel Payment will be a relief for some, but National Energy Action is calling for deeper energy bill support and a real focus to support households out of debt.”

How can I find the cheapest fixed deals?

To find the best fixed energy deals, start by visiting price comparison websites, which aggregate various offers from different energy suppliers.

The best sites include Uswitch.com and MoneySavingExpert’s Cheap Energy Club.

Enter your postcode and current energy usage details to receive a list of available deals tailored to your needs – it’ll take you less than five minutes.

You’ll then be able to compare the rates, contract lengths, and any additional features or benefits offered by each deal.

Next, visit the websites of individual energy suppliers to check if they have exclusive deals that are not listed on comparison sites.

Sometimes, suppliers offer special promotions or discounts directly to customers.

Compare these offers with those on the comparison websites to ensure you get the best possible rate.

Finally, consider customer service reviews and the overall reputation of the suppliers.

Once you have identified the best deal, follow the instructions to switch your energy provider.

What energy bill help is available?

There’s a number of different ways to get help paying your energy bills if you’re struggling to get by.

If you fall into debt, you can always approach your supplier to see if they can put you on a repayment plan before putting you on a prepayment meter.

This involves paying off what you owe in instalments over a set period.

If your supplier offers you a repayment plan you don’t think you can afford, speak to them again to see if you can negotiate a better deal.

Several energy firms have schemes available to customers struggling to cover their bills.

But eligibility criteria vary depending on the supplier and the amount you can get depends on your financial circumstances.

For example, British Gas or Scottish Gas customers struggling to pay their energy bills can get grants worth up to £2,000.

British Gas also offers help via its British Gas Energy Trust and Individuals Family Fund.

You don’t need to be a British Gas customer to apply for the second fund.

EDF, E.ON, Octopus Energy and Scottish Power all offer grants to struggling customers too.

Thousands of vulnerable households are missing out on extra help and protections by not signing up to the Priority Services Register (PSR).

The service helps support vulnerable households, such as those who are elderly or ill.

Some of the perks include being given advance warning of blackouts, free gas safety checks and extra support if you’re struggling.

Get in touch with your energy firm to see if you can apply.

SHOPPING experts have revealed when is the ideal time to stock up on major garden essentials to make huge savings.

Three of the key items should be bought this month in order to make the biggest savings.

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Boffins at comparison site Idealo have done the hard work for us and worked out that shoppers could save £183.84 if they purchase a gazebo this month, rather than in November, when they are at its worst price.

One shopper recently bragged about picking up a “huge” gazebo from her local Morrisons for just £20.

May is also your month for hedge trimmer shopping and you could save £12.80 as opposed to buying in August as their most expensive month.

As most parents will know, tearing kids away from screens can sometimes be a challenge, making garden toys a lifeline in the summer months.

If you’re after something that will keep your little ones entertained for hours, what about the trusty pogo stick?

May is the best month to pick one up, creating a saving of £1.24 rather than in December.

For your other green-fingered needs, June has been officially crowned as the cheapest month of the year to buy garden bits in the UK, with the greatest deals on offer.

While June is ideal, buying garden goodies any time between the end of May and August is also promised to save you cash.

Idealo found that savings of up to £649 can be made by buying each item at the right time.

Katy Phillips, senior brand and communications manager at idealo tells The Sun: “Our data shows that a little patience can go a long way when it comes to saving money on garden essentials this year.

“Holding off until the right month could save shoppers hundreds of pounds on big-ticket items like sun loungers, tables and fire pits.

“We’d always recommend comparing prices across multiple retailers before committing to a purchase. With a bit of planning, and by using apps with tools like price alerts, you can enjoy your garden for less and make your money stretch further this summer.”

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How to save money on garden furniture

Opting to buy your new garden furniture or items on sale could save you a lot of money.

Most retailers start discounting garden items after summer and will run promotions over the winter, but be aware stock can be far more limited during this time.

Retailers will start reintroducing more to their garden ranges during spring and may run limited promotions over bank holidays, for example.

You are unlikely to get a great deal just before or in the height of summer, but some retailers offer mid-summer clearance sales to get rid of old stock, so keep an eye out.

Remember to always shop around when making a big purchase, as even if one store has a sale on, you may be able to get a better deal elsewhere.

You can use websites like Price Spy to compare the prices of items across multiple retailers and see how the prices have changed over time.

Remember, you may not need to buy you furniture – you could save a fortune by up-cycling old items instead.

Giving dirty pieces a good wash and a lick of fresh paint can make them look brand new.

You can also pick up perfectly good items second-hand.

Try platforms like Facebook Marketplace or eBay to see if anyone near you is getting rid of old items – you may even be able to pick them up for free.

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THOUSANDS of households on Universal Credit will continue getting a huge pay rise in the coming days.

Benefit payment rates rose by 1.7% on April 7, in line with the consumer price index (CPI) level of inflation for September 2024.

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It’s important to note that, although the new rates are now in effect, most people won’t see an increase in their payments until later this month or in June.

This is because those on Universal Credit have to wait a bit longer to receive the uprating because of how the benefit is assessed.

It means that the date you’ll receive the pay boost will depend on when your last assessment period was.

Universal Credit is paid monthly and is based on your circumstances each month.

This is called your “assessment period”, and it starts the day you make your claim.

The new Universal Credit rates will not come into effect until after the first full one-month assessment period, which starts on or after April 7.

Those whose assessment periods started after April 7 saw their benefits rise as early as May 13.

However, those whose assessment periods started before this date could be waiting until June 12 to receive the payment boost.

Here’s how your previous assessment period affects when you’ll get the payment boost:

• March 17 to April 16 – increase applied in May, you’ll get it in your payment on May 21
• March 18 to April 17 – increase applied in May, you’ll get it in your payment on May 22
• March 19 to April 18 – increase applied in May, you’ll get it in your payment on May 23
• March 20 to April 19 – increase applied in May, you’ll get it in your payment on May 24
• March 21 to April 20 – increase applied in May, you’ll get it in your payment on May 25
• March 22 to April 21 – increase applied in May, you’ll get it in your payment on May 26
• March 23 to April 22 – increase applied in May, you’ll get it in your payment on May 27
• March 24 to April 23 – increase applied in May, you’ll get it in your payment on May 28
• March 25 to April 24 – increase applied in May, you’ll get it in your payment on May 29
• March 26 to April 25 – increase applied in May, you’ll get it in your payment on May 30
• March 27 to April 26 – increase applied in May, you’ll get it in your payment on May 31
• March 28 to April 27 – increase applied in June, you’ll get it in your payment on June 1
• March 29 to April 28 – increase applied in June, you’ll get it in your payment on June 2
• March 30 to April 29 – increase applied in June, you’ll get it in your payment on June 5
• March 31 to April 30 – increase applied in June, you’ll get it in your payment on June 6
• April 1 to April 31 – increase applied in June, you’ll get it in your payment on June 7
• April 2 to May 1 – increase applied in June, you’ll get it in your payment on June 8
• April 3 to May 2 – increase applied in June, you’ll get it in your payment on June 9
• April 4 to May 3 – increase applied in June, you’ll get it in your payment on June 10
• April 5 to May 4 – increase applied in June, you’ll get it in your payment on June 11
• April 6 to May 5 – increase applied in June, you’ll get it in your payment on June 12

Here’s a full list of the new benefit rates for 2025-26 so you can check how much extra you might get.

Universal Credit

Universal Credit standard allowance (monthly)

• Single, under 25: £316.98 (up from £311.68)
• Single, 25 or over: £400.14 (up from £393.45)
• Joint claimants both under 25: £497.55 (up from £489.23)
• Joint claimants, one or both 25+: £628.10 (up from £617.60)

Extra amounts for children

• First child (born before April 6, 2017): £339 (up from £333.33)
• Child born after April 6, 2017 or subsequent children: £292.81 (up from £287.92)
• Disabled child (lower rate): £158.76 (up from £156.11)
• Disabled child (higher rate): £495.87 (up from £487.58)

Extra for limited capability for work

• Limited capability: £158.76 (up from £156.11)
• Work-related activity: £423.27 (up from £416.19)

Carer’s element

• Caring for a severely disabled person at least 35 hours a week: £201.68 (up from £198.31)

Work allowance increases

• Higher work allowance (no housing): £684 (up from £673)
• Lower work allowance (with housing): £411 (up from £404)

Everything you need to know about Universal Credit

HUGE changes to Buy Now Pay Later rules that will help protect customers have been confirmed by the government.

The new Labour government has published its response to a consultation on proposals to tighten up rules in the Buy Now, Pay Later (BNPL) sector.

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BNPL is a type of credit scheme that allows shoppers to purchase items and spread the payments over a set period and is used by 10million Brits.

While the schemes are popular, they have remained largely unregulated, which has raised concerns about people falling into debt.

The government has now said that from next year BNPL firms will need to follow “consistent standards,” so shoppers know exactly what they’re signing up for.

This means firms will have to be clear and transparent about any late fees or if they could affect customers’ credit ratings and how.

They should also signpost customers towards debt help in any correspondence.

For consumers, that could look like upfront credit checks to make sure people can repay what they borrow.

Also, customers will have quicker access to refunds and the right to complain to the Financial Ombudsman.

The plans will bring the products under FCA regulation while ensuring they also adhere to a large proportion of the Consumer Credit Act and Section 75, which give shoppers various rights.

Lisa Webb, Which? Consumer Law Expert, said that research shows that many users “do not realise they are taking on debt or consider the prospect of missing payments.”

She added: “It’s good to see the government taking action to regulate BNPL firms and introducing affordability checks.

“The government also needs to ensure this includes greater marketing transparency and information about the risks of missed payments and credit checks.”

Proposals to regulate BNPL products were first touted in 2021 but faced repeated delays.

Last year, The Sun revealed the previous Conservative government had paused the plans over fears that it would drive BNPL firms out of the market during a tough cost of living crisis.

Then in October, the Treasury Tulip Siddiq exclusively told The Sun that the government had finalised its “bespoke” plans and intended to pass the legislation “as soon as possible” in early 2025.

The legislation bringing BNPL into regulation is set to be laid in Parliament today, May 19.

A consultation on the findings is set to take place with the rules expected to come into force next year.

How can I use BNPL without losing out?

The hope is that this new regulation will prevent people from being able to take on more than they can realistically afford to pay back.

But when used correctly, BNPL plans can be a useful way of managing your finances.

The products work in a similar way to other types of credit. The main difference is that they don’t charge interest.

You usually have to make payments by set deadlines over a period of time.

If you meet these repayment deadlines, you shouldn’t be charged any extra fees.

YOU may use price comparison sites to get the best deals for your broadband or car insurance – but probably don’t do the same when shopping.

Whether you’re looking for great buys for your home and garden, a good deal on a new summer outfit or simply to drive down the cost of your weekly shop, there are online tools that can help you get the best price.

FANCY FEATURES: For homeware, tech, clothes and more, compare prices using sites like PriceRunner, Idealo, Google Shopping and PriceSpy.

Check across different sites to make sure you get the best deal.

They all have clever features to help you make the savviest shopping choices.

Idealo is one that allows you to scan barcodes in store to check if a product is cheaper online

With the PriceRunner on the Klarna app, you can access an AI assistant who will interpret what you’re looking for and help you find the right item.

PAST PRICES: The sites’ price-tracking tools also help you to check if deals are as good as they look.

They show price history, so you can see how the cost of an item has gone up and down.

That way you can judge whether you might get a better deal by waiting.

If you’re shopping via Amazon, then CamelCamelCamel will show you how much items have previously sold for.

Use the tool to check out the offers during Amazon’s Everyday Essentials Week, starting on Wednesday.

FOOD FOR THOUGHT: For grocery shopping, download the Trolley app or log on to trolley.co.uk.

You can search for any item you’d find in the big supermarkets, including own brands, to see the best prices.

On the app, you can scan barcodes, create shopping lists and get price alerts when an item changes price.

It shows Heinz Tomato Ketchup, 1.35kg, is currently £4.92 at Asda or £6 at Morrisons.

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

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Deal of the day

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SWAP using a costly tumble dryer for drying your clothes outside on the Vileda Sun Rise rotary washing line, down from £167.99 to £117.99 at vileda.co.uk.

SAVE: £50

Cheap treat

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TREAT the family to Cadbury Dairy Milk Buttons ice cream, £4.50 for a pack of four from Tesco, or £2.75 with a Clubcard.

SAVE: £1.75

What’s new?

IF you missed the sell-out metal striped chair from Asda last summer, there’s now another chance to buy it.

The garden lounger is £39, while stocks last.

Top swap

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FELLAS can update their wardrobe with the white linen blend short-sleeved shirt, £18 from Matalan, or they can try the linen blend shirt, £7.99 from Lidl.

SAVE: £10.01

Little helper

LAY on a tasty spread with three sharing plates for £8 at Sainsbury’s with Nectar, saving up to £5.50. Includes bacon-wrapped halloumi sticks and goat’s cheese and caramelised onion quiches.

Shop & save

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PICK up a pack of The Best fresh pasta, sauce and garlic bread from a selection at Morrisons for £6, to make a tasty Italian meal for two.

SAVE: £3.90

Hot right now

SEARCH “kids eat free megathread” now at hotukdeals.com for a list of restaurants, cafes and supermarkets with “kids eat free” deals.

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!

TENS of thousands of fed-up energy customers have lodged official complaints – and have been handed compensation

Fresh figures from the Energy Ombudsman reveal that British Gas came out worst out of all energy companies in the UK.

The firm received 48 complaints per 100,000 domestic customers between October and December 2024 – the worst rate in the country.

With an estimated 7.5 million UK households on its books, that’s around 3,600 complaints officially accepted by the Ombudsman in just three months.

The stats reveal how many cases were accepted per 100,000 customers – giving a clearer picture of which firms are falling short.

Here’s how the rest stack up:

• Scottish Power – 27.8 complaints per 100K (approx. 1,390 cases, based on 5 million customers)
• EDF Energy – 26.6 per 100K (1,463 cases, 5.5 million customers)
• OVO Energy – 26.4 per 100K (1,056 cases, 4 million customers)
• Octopus Energy – 22.5 per 100K (1,643 cases, 7.3 million customers)
• E.ON Next – 21.2 per 100K (1,060 cases, 5 million customers)
• Utility Warehouse – 18.7 per 100K (187 cases, 1 million customers)
• Utilita – 11.1 per 100K (approx. 89 cases, 800,000 customers)

Utilita and Utility Warehouse were the best of the bunch, with the lowest complaint rates – while Octopus Energy continued its strong customer service record with a below-average rate.

These figures show how many complaints were accepted by the ombudsman after customers failed to get a resolution directly from their supplier.

All energy firms have been contacted for comment.

OVERALL COMPLAINTS FALL – BUT THOUSANDS STILL STRUGGLING

Across the board, the number of energy disputes accepted by the Energy Ombudsman fell by 24% in 2024, down to 92,938 cases from 122,829 the year before.

That’s a positive step – but complaints are still a third higher than in 2021, showing many customers are still getting a raw deal.

The most common problem? Billing issues, which made up 58% of all cases.

Top gripes included:

• Disputed gas or electricity usage
• Incorrect account balances
• Back-billing – with over 3,200 cases involving bills for energy used months or even years ago

CAN YOU CLAIM COMPENSATION?

If your energy firm hasn’t resolved your issue after eight weeks, or you’ve hit deadlock, you can raise it with the Energy Ombudsman – for free.

They can order suppliers to:

• Refund money
• Issue a written apology
• Pay compensation

HOW MUCH COULD YOU SAVE IF YOU SWITCH TO A FIXED TARIFF?

Will Owen, energy expert at Uswitch.com, told The Sun: “Energy prices are predicted to fall in the coming months with the new price cap, but there are bigger savings to be made by switching to a fixed tariff now.

“The average household on a standard variable tariff could currently save around £332 versus the April price cap by switching to a fixed deal.

“Energy prices continue to be volatile, with cost-of-living pressures still squeezing households despite falling inflation rates. 

“It only takes a few minutes to run a comparison and you may be surprised at how much you can save, compared to lingering on standard variable rates with your current supplier.”

MISSING OUT?

Shockingly, just 43% of customers are being properly signposted to the Ombudsman when they’re eligible – meaning thousands could be missing out on compensation.

Ed Dodman, chief ombudsman at Energy Ombudsman, said: “Our role is not just to fix problems – it’s to make the whole energy sector fairer and more transparent.

“While the fall in complaints is welcome, there’s still work to do. Every customer deserves to know their rights – and how to get the help they need.”

HOW TO COMPLAIN & GET WHAT YOU’RE OWED

1. Raise your issue directly with your energy supplier
2. If it’s unresolved after eight weeks, or you’ve reached deadlock, go to www.energyombudsman.org
3. You could get a refund, apology, or compensation – at no cost

TOP REASONS FOR COMPLAINTS

• Disputed meter readings
• Wrong balances
• Backdated bills
• Faulty smart meters
• Rubbish customer service

If your provider is one of the worst offenders, it might be time to make a switch and save – especially if you’ve been overcharged or ignored.

OTHER ENERGY FIRM FAILINGS

Ofgem has collected more than £400million in payments since 2020 through its compliance and enforcement activities, with the money used to help struggling households with their bills.

Back in September, OVO Energy was forced to pay out £378,512 to 1,395 customers over the historic failings.

Impacted customers received around £271 on average.

Ofgem found OVO took too long to address the almost 1,400 customer complaints, in some cases taking up to 18 months.

It also delayed actioning Energy Ombudsman decisions when complaints were upheld, Ofgem said at the time.

E.ON Next was also ordered by Ofgem last June to pay £5million to customers who suffered poor customer service.

The regulator said a review of the firm’s customer service standards and complaints-handling across the sector uncovered “severe weaknesses”, with customers facing long call waiting times and a high level of unanswered calls.

More than 500,000 customers were potentially affected, according to Ofgem.

The month before, Ofgem ordered Good Energy and OVO to pay out £2.7million to thousands of customers who were overcharged.

HOW DO I COMPLAIN ABOUT MY ENERGY SUPPLIER?

Similar to financial services firms, energy companies have to have a complaints procedure for customers to follow.

When you make a complaint, make sure you follow this so they have the information they need to resolve the issue.

Simply explain what the problem is and what you want your supplier to do about it.

Check your energy supplier’s website for an explanation of how to launch a complaint.

Energy suppliers have eight weeks to respond and come to a decision.

If it doesn’t or you’re not happy with the response, you can take the firm to the Energy Ombudsman.

The Energy Ombudsman may be able to help if you have a complaint about an energy or communications provider.

Before you can submit your complaint to it, you must have logged a formal complaint with your provider and worked with the firm to resolve it.

You must also have received a so-called deadlock letter, where the provider refers your complaint to the Energy Ombudsman.

You can also complain if you haven’t had a satisfactory solution to your problem within eight weeks.

The Energy Ombudsman then bases its decision on the evidence you and the company submit.

If you choose to accept its decision, your supplier then has 28 days to comply.

The Ombudsman’s decisions are binding on the energy company.

If your supplier refuses to follow the instruction, the Ombudsman may get in touch with Ofgem to remedy the situation – but there’s no set period for escalating issues to the regulator and it’s not up to the customer.

If an individual chooses not to accept the Ombudsman’s final decision, they lose the right to the resolution offer.

Customers still have the right to take their complaint further through the courts.

But remember this can be a costly and lengthy exercise, so it’s worth thinking carefully before taking this step.

A BELOVED clothing store that has been in business for nearly 50 years has launched a massive sale ahead of its closure.

Ginger, in Norwich, will shut for good on June 7 after the owners were forced to make an “incredibly difficult decision”.

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The shop was founded by David and Rodger Kingsley in 1978 following the success of their sister company Jonathan Trumbull in 1971.

Beckie Kingsley broke the sad news on social media that her family’s shop was soon to be no more.

The store manager blamed the current economic climate and the aftermath of Covid-19 for the business’s hardship.

She said: “It’s with truly heavy hearts that, after 46 unforgettable years, we have made the incredibly difficult decision to close the doors at our beautiful, beloved and historic Timber Hill home.

“We’ve weathered many storms over the decades, but there’s been ongoing challenges of today’s financial climate – coupled with the lasting impact and huge shifts within the retail landscape since Covid.

“This led us to ask – does it still work for us? After deep reflection, the answer, sadly, is no.

“We’ve had the privilege of watching generations grow, celebrating precious life milestones, sharing joys and deepest sorrows.

“Being part of people’s stories has been beyond a privilege – more than some may ever know.

“They’ve always been more than just customers – they’ve become wonderful friends.”

Ginger is one of the city’s oldest businesses and loyal customers rushed to share their praise.

“You will be missed! Sending hugs,” one wrote.

Another commented with a sad face emoji.

Dozens of shops are set to close across the country before the end of the month in the latest blow to UK high streets.

One of these include Smiggle, known for its colourful, quirky pens, lunchboxes and school bags, which revealed it is shutting up shop at the Darwin Centre in Shrewsbury.

Meanwhile, family business B.D Price, a beloved toy and bike store in Dudley, West Midlands, announced its closure after 160 years.

The 84-year-old owner blamed the cost of living crisis for a drop in sales and the costs of running the business skyrocketing.

Rising living costs leaving shoppers with less cash to spend and an increase in online shopping have battered retailers in recent years.

In some cases, landlords are either unwilling or unable to invest in keeping shops open, further speeding up the closures.

Smiggle isn’t the only stationary shop shutting its doors, more WHSmiths stores are set to close this month.

Sports Direct axed its Newmarket Road store in Cambridge on April 18 while Red Menswear in Chatham in Medway, Kent, shut for the final time on March 29 after selling men’s clothing since 1999.

STRUGGLING households in parts of the UK could get up to £500 in cost of living help – but you’ll need to meet strict rules.

The cash boost is part of the Household Support Fund (HSF), a £421million pot, which helps low-income families with food, energy bills, and essentials.

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But it’s only available if you live in Worcestershire – that includes the districts of Malvern, Worcester, Wychavon, Bromsgrove, Redditch or Wyre Forest.

To check if you qualify, go to gov.uk/find-local-council – Worcestershire County Council must be listed.

You’ll also need to meet income and vulnerability rules.

Who is eligible?

To qualify, your gross annual income must be:

• £24,570 or less (for a single adult with no children)
• £31,000 or less (for all other households)

You must also have no savings, unless you’re of state pension age – in which case you can have up to £5,000.

And at least one person in your household must meet ONE of the following:

• Be of state pension age
• Have a long-term diagnosed health condition or be registered disabled
• Have a child under four
• Be in receipt of DWP benefits like Attendance Allowance, Carer’s Allowance, PIP or Disability Living Allowance
• Be receiving support from services such as food banks, Citizens Advice, Age UK, mental health or housing support, or your GP’s social prescribing team

How much can I get?

The amount depends on your household:

• Up to £500 for homes with children under 18 or full-time students under 21
• Up to £300 for adult-only households aged 18–66
• Up to £300 for pensioner households

Payments can go straight to your energy provider, be credited via an online portal or come in the form of Post Office vouchers for prepayment meters.

You’ll need to supply:

• A recent energy or water bill (dated within 3 months) showing your name, address and account number
• Evidence of your vulnerability
• Extra documents if applying for help with energy debts or heating repairs

What else is covered?

Help is also available for:

• Repairing or replacing broken boilers
• Installing first-time heating systems
• Servicing and upgrading smart heating controls

You’ll need to complete a separate application if applying for these – but forms will be sent to you once your initial claim is made.

Where to send your evidence:

• Email digital copies to: [email protected]
• Post paper documents to:
  Act on Energy
  Unit 2, Lauriston Business Park
  Salford Priors
  Warwickshire WR11 8SN

Applications will be closed if evidence isn’t sent within 28 days – so act fast.

In other related benefit news, pension savers have been pocketing thousands in tax refunds after being overcharged — and now fresh HMRC changes could stop millions more being stung.

Over 15,000 people got an average refund of £2,881 between January and March this year after being overtaxed when they dipped into their pension pots.

In total, £44million was handed back in just three months, according to new figures — with hopes the amount overpaid will fall thanks to recent rule tweaks.

HMRC rolled out a new system this month, aimed at stopping retirees from being wrongly whacked with a sky-high emergency tax bill when making a withdrawal.

Other help you can claim

If you’re not eligible for the Household Support Fund, you might qualify for other forms of help to cover energy bills or food.

Support may vary depending on your local council – so even if you don’t live in Worcestershire, it’s worth checking what’s on offer in your area.

Several energy firms offer grants to households who are struggling to pay their energy bills worth up to £2,000.

This includes British Gas, Octopus Energy and EDF.

New parents might also be eligible for free food worth up to £442 a year to cover the cost of healthy food and milk via the Healthy Start scheme.

Or, you can get an emergency food parcel from a Trussell Trust food bank.

You can find your nearest via www.trussell.org.uk/emergency-food/find-a-foodbank.

To get a food parcel, you need a voucher from a community organisation like Citizens Advice or your GP. You can then exchange this voucher for a food parcel at the food bank.

It’s also worth checking if you’re eligible for benefits if you haven’t already – billions of pounds’ worth is going unclaimed, according to Policy in Practice.

There are three free calculators you can use to see what you might be entitled to:

• Policy in Practice better off calculator
• entitledto benefits calculator
• Turn2us benefits calculator

AN AWARD-WINNING pub has been forced to close after opening its doors just two years ago. 

The luxury eatery was voted as the best pub in the Midlands and even were finalists for the best Desi grill of the year 2024.

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The Emerald in Nottingham offered a huge range of Indian dishes and had become a thriving community hub. 

The pub doubled as a sports bar, attracting both hungry diners and football fans – in what the owners have described as a “cultural space” and a “labour of love”. 

However, after being open for just two years, The Emerald has been forced to shut its doors for good. 

The eatery has battled with soaring costs, as well as crushing internal pressures. 

Announcing its closure on Facebook, The Emerald issued a lengthy and emotional post in which it thanked its loyal fan base. 

A spokesperson for the pub said: “The Emerald was always more than just a pub—it was an Indian pub, a cultural space, and a labour of love that aimed to bring something different to our community. 

“We will forever hold dear the memories, the celebrations, and the friendships that were forged within its walls.

“Thank you, from the bottom of our hearts, for your unwavering support. It has meant everything to us.”

Fans flooded the comment section of the post, sharing their incredible stories and experiences from their trips to the pub. 

One Facebook user wrote: “Very saddened to hear this and we always loved Emerald, it was more like home for us and will be missed. 

“Thank you for all the lovely food and memories we have created at Emerald specially watching cricket and more importantly India winning the world cup. 

“All the very best team Emerald for future!!”

Another shared: “Such sad news always made me and my family very welcome thank you for what you have tried to do.”

However, in its Facebook post, The Emerald detailed internal pressures which had contributed to its closure – which is scheduled to take place on May 31. 

A spokesperson for the pub detailed how the departure of a business partner had created “emotional, financial and operational” strain which affected the “day-to-day running of the pub”. 

The spokesperson also pointed to soaring costs as a major factor behind the closure of the pub. 

They wrote: “Rising costs—including a significant increase in barrel prices, rent, and business rates—have placed a substantial financial burden on us, ultimately making the business unsustainable.

 “Although we explored the possibility of selling the business to enable someone else to carry on what we began, we were unable to move forward due to conditions and restrictions that were beyond our control.

“More broadly, the current economic climate and policy environment have created immense pressures for small businesses, making it increasingly difficult for independent establishments like ours to survive.”

Many other businesses have faced closure, just like The Emerald.

Some businesses have laid the blame at the door of Rachel Reeves – arguing that her decision to increase National Insurance contributions and minimum wage have raised the cost of running a business.

However, The Chancellor has argued that her decisions were necessary to stabilise the economy that she inherited from the Conservatives. 

In April 2025, the economy grew by 0.5% though Labour have said that they want to go even further with boosting economic growth. 

Other businesses, including the luxury restaurant La Goccia, have blamed “Covid” and “Brexit” for leading to their closure. 

The business told the Telegraph that they were unable to “recruit people with the right experience and skills” after Britain left the EU.

PARENTS know all too well that keeping kids entertained over the summer holidays can be pricey.

The cost of childcare alone can cost around £1,039 for the six weeks of the break, and that is not to mention days out and other activities.

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And many activity camps for children can be costly too, but that does not mean your child has to miss out.

There are loads of free classes available for families across countless areas in the UK.

Below we round up the best classes for kids this summer that cost nothing at all.

FREE FOOTBALL COACHING

McDonald’s runs free football classes for children aged 5 to 11 years old.

The programme lasts for 10 weeks and usually runs for an hour.

The event is hosted at local stadiums across the UK.

The sessions, which are open to all abilities, are running from March to July.

They are delivered by FA-qualified coaches at more than 1,600 locations nationwide.

You can find out more by visiting www.mcdonalds.com/gb/en-gb/football/fun-football-centres.

FREE COURSES FOR TEENAGERS

Islington Council runs a number of free courses for teenagers and young adults through its Summerversity scheme.

In the past, classes have included archery, football camp and photography lessons.

You can book a maximum of eight courses to keep your teenager entertained over the holidays.

You can sign up by visiting www.summerversity.co.uk/

Of course you will need to live in the London borough to get access to the scheme.

But if you don’t it may be worth ringing up your local council to see if it runs a similar event.

FREE BOXING CAMP

Sporting Aid in Waltham is running a free boxing camp for those aged 10-16.

The event is run every Saturday at 12:00pm at the Waltham Cross Playing Fields Car Park.

No prior experience is required so it may be a great way for your little one to be introduced to the sport.

You can sign up for the event by visiting www.eventbrite.co.uk.

FREE SUMMER CAMP

Music charity Vache Baroque runs a completely free summer camp for children in St Giles.

The event runs from  Monday 18 – Friday August 22 and includes a hot meal. It is for children aged 9–14.

Children will participate in a number of activities including singing, arts and crafts and circus skills

They can also take part in an optional performance with professional orchestra in its summer circus-opera on Sunday September 7.

You can find out more by visiting, vachebaroque.com.