savings

Nov. 1 (UPI) — As daylight saving time ends overnight Saturday, a large majority of Americans will turn their clocks back and gain an extra hour of sleep early Sunday morning.

Many clocks will self-adjust at the appropriate time, such as the clocks on computers and cell phones, but others still must be changed manually.

The official time to turn the clocks back is 2 a.m. in states that participate in daylight saving time, which many view as an opportunity to get in an extra hour of celebration in states and locales that require bars to close at 2 a.m. or later.

Most of Canada and northern Mexico also will change their clocks as daylight saving time ends for them.

The purpose is to add an hour of daylight during the morning hours during the winter months and an extra hour of daylight during the evening hours during the summer months, according to USA Today.

Most of Arizona and all of Hawaii do not follow daylight saving time, though, which means clocks will remain the same as the rest of the nation joins them on standard time.

Arizona, with the exception of the Navajo Nation, forgoes daylight saving time due to the summers there being so hot.

Hawaii does not participate in daylight saving time due to its close proximity to the Equator and relatively consistent daylight hours throughout the year.

The U.S. territories of American Samoa, Guam, Puerto Rico, the Northern Mariana Islands, U.S. Minor Outlying Islands and the U.S. Virgin Islands likewise do not participate in daylight savings time due to their relatively stable hours of sunlight.

Daylight saving time started this year on March 9, and Sunday marks its earliest end since the Energy Policy Act of 2005 changed the end date from the last Sunday in October to the first Sunday in November, starting in 2007.

The act also changed its start date to the second Sunday in March, which extended daylight saving time by about four weeks per year.

Daylight saving time returns at 2 a.m. on March 8, 2026.

Germany was the first nation to adjust its clocks in 1916 during World War I, with the goal of reducing its energy usage.

Other nations, including the United States, soon followed.

Daylight saving time became a requirement in the United States upon the adoption of the Uniform Time Act of 1966, but states have the ability to opt out.

No state, however, has the option of permanently setting their clocks on daylight saving time.

Acceptance of the annual fall and spring time changes is not universal.

A CBS/YouGov poll in 2022 showed 80% of respondents favored keeping daylight saving time in effect all year, and the Senate that year passed the Sunshine Protection Act.

The measure died in the House of Representatives, however, as it chose not to bring it up for a vote.

Nineteen states, though, are prepared to eliminate the time change if Congress passes enabling legislation to do so.

A measure that would do so has been introduced in the Senate, but it has not been put up for a vote.

I’ve been a big fan of high-yield savings accounts these past couple of years. Earning over 4.00% APY on completely safe, FDIC-insured cash has been a gift. But after the Federal Reserve’s September rate cut, and with another one likely coming at the end of this month, I’m starting to move a chunk of my money elsewhere.

Not because I don’t love high-yield savings accounts. I do. But because I hate watching my returns fall month after month when I could easily lock in today’s higher rates instead.

Savings account rates are heading south

When the Fed cuts rates, banks follow fast. That 4.00% APY you see on your savings account right now? It’ll probably be closer to 3.75% by November, and possibly under 3.50% by early next year if the Fed continues cutting rates.

And unlike a CD, there’s no way to “lock in” that rate. Your yield floats with the market. So while you might feel safe sitting in cash, your earning power is shrinking quietly in the background.

I’m not draining my savings completely. I still keep three to six months of expenses in a high-yield account for emergencies. But for the extra cash I won’t need soon I’m taking action before the next cut hits.

Where I’m moving the money

I’m shifting part of my savings into certificates of deposit (CDs). CDs let you lock in a guaranteed rate for a set period, typically anywhere from six months to five years.

To keep some flexibility, I’m using a CD ladder. That means splitting my money across multiple CDs with different maturity dates. A few months from now, one CD will mature, giving me access to some cash, while others keep earning higher locked-in yields. It’s a great balance between liquidity and security. Lock in a guaranteed 4.00%+ APY before the next Fed cut.

The math says it all

Let’s say you’ve got $20,000 parked in a savings account.

• At 4.25% APY, that earns about $850 over the next year.
• If rates slide to 3.50%, you’re suddenly earning just $700.

That’s $150 gone just for waiting. And the larger your cash balance, the more those small percentage drops sting.

Acting before the next cut

The Fed’s next meeting is scheduled for Oct. 28–29, and markets are already pricing in another 0.25% rate cut. Once that happens, banks won’t wait to slash their APYs.

That’s why I’m locking in my rates now. High-yield savings accounts have been incredible for the past two years, but this window of 4.00%+ returns is closing fast.

I’ll always keep my emergency fund in a liquid savings account. But for money I don’t need right away, I’d rather secure guaranteed returns than watch them disappear week by week.

Compare today’s top CD rates and lock in before they drop again.

Only about 1 in 5 Americans use a high-yield savings account (HYSA), according to a recent CNBC study. And that’s a shame, because that means the other 4 in 5 Americans are missing out on easy money.

I’ve been writing about personal finance for years, and here’s something I’ll never understand: Why leave free money on the table?! If you’re going to keep cash in the bank, you might as well earn something worthwhile on it.

Here’s exactly how much you could make with $10,000 sitting in a top HYSA today.

How much interest $10,000 earns at 4.00% APY

Some of the top HYSAs are paying around 4.00% annual percentage yield (APY) right now.

At 4.00% APY, here’s how much interest $10,000 would earn in interest:

• In one year: $400
• Per month: About $33
• Each day: About $1.10

Compare that to a traditional bank paying 0.01% APY, where $10,000 would make just $1 in an entire year. The gap is staggering.

I always tell people — If you were walking along and saw a $1 bill on the ground, would you pick it up? Of course you would. Because it’s “free money.”

Well, moving your cash pile into a high-yield savings account is kind of like picking up extra money every day (except there’s no bending down required — it just collects and grows in your account). It’s one of the easiest wins in personal finance.

Why online banks are better

Bigger interest checks are nice. But online banks have several other benefits that come with high-yield savings accounts:

• FDIC insurance: Just like the big banks, most online HYSAs insure your money up to $250,000.
• Easy transfers: You can usually link your checking account and move money back and forth in a day or two.
• No hidden fees: Many top HYSAs don’t charge monthly maintenance fees or have account minimums. Some even waive ATM fees and overdraft charges.
• Better apps and tech: Most online banks focus on a digital-first convenience which lets users manage everything from their phone.

In short, online banks give you all the safety of a traditional bank, but with more modern features and way better returns.

I’m less tempted to dip into savings

A cool side benefit I’ve learned since setting up my HYSA is that I’m way less tempted to dip into my savings when it’s kept at a completely separate bank.

When all my money is piled together in one account, it’s easy to blur the line between spending and savings. But with a dedicated HYSA, the barrier is enough to keep me disciplined. I know the cash is there if I really need it, but it’s not staring me in the face every time I log into my regular banking app.

Plus, my high-yield savings account is FDIC insured up to $250,000. So I’ve got both mental security and financial security in one place.

It doesn’t cost me anything to keep

Fintech banks are amazing these days. They don’t nickel-and-dime you like traditional banks tend to do.

My HYSA has no monthly fees, no balance requirements, and no surprise charges that pop up randomly. So even if my bank balance drops to $0 for a few months, it won’t cost me anything to keep the account open. And all the interest I earn is pure profit.

The tech is better, too. My bank’s mobile app is super clean, simple, and doing transfers is really easy.

It’s still the best home for short-term cash

At the end of the day, my HYSA is where I keep money I can’t afford to risk. I don’t want to invest it because I might need it in a pinch.

Since it’s sitting idle most of the year, I want it earning the highest APY possible. Even if the Fed continues to drop rates and we get down to a measly 1.00%-2.00% APY in the next couple years, it’s still better than earning almost zero in a checking account.

Check out today’s best high-yield savings accounts and start earning more on your money.

Keeping your money in a Wells Fargo savings account could cost you $5,000 over the next decade.

The reason is simple: Wells Fargo pays just 0.01% APY, while top high-yield savings accounts are offering around 4.00%. That’s the difference between pennies in interest and thousands of dollars in growth.

If you’re still stashing cash with a traditional bank, it might be time to make the switch.

The hidden cost of low savings rates

Here’s a quick look at how much more you could earn by moving your money from a basic Wells Fargo savings account (0.01% APY) to a high-yield savings account paying 4.00% APY:

Data source: Author’s calculations.

Sadly, I’m a victim of missed interest myself. For years, I had over $20,000 sitting in a Chase checking account earning a pathetic 0.01% APY. At the time, I was stacking up cash for rental property down payments, thinking it was smart to keep it “safe” and liquid.

But one day I wisened up and compared rates at other banks. And whoa!… I realized keeping my cash with Chase all those years was a huge mistake. Honestly, I’ve likely missed out on over $5,000 in interest over the years — I feel sick just thinking about it.

Oh well, onwards and upwards… I’ve been making up for it ever since. My new bank has paid me over $2,000 in interest since switching, and I’m earning a 4.00% APY right now.

Online banks are just as safe

A big misconception about using online banks is that it’s risky or a hassle to access your cash. But that’s not really the case at all.

If anything, online banks are more easy and convenient to work with. And they’re super safe.

Most online high-yield savings accounts today are:

• FDIC-insured up to $250,000 — just like Wells Fargo, Chase, BofA, or other big bank accounts.
• Have no monthly fees or account minimums for most accounts.
• Fully digital — You can open an account and manage everything from your phone.
• Linked directly to your checking account for easy transfers.

I know it’s nerve wracking moving a chunk of your hard-earned savings to a new bank. But you’ll quickly realize that online banks are just as safe and secure as traditional, old-school banks.

Ready to stop earning pennies and start growing your savings? Explore the top high-yield savings accounts paying up to 4.00% APY or more.

How to switch in less than 10 minutes

I recently helped a friend open an HYSA, and it took us less than 10 minutes. Her money took one day to transfer from Wells Fargo to the new bank. And as soon as it landed in her new account she began earning daily interest.

Here’s a quick overview of the process:

1. Open a high-yield savings account online (it takes about five minutes).
2. Link it to your Wells Fargo checking account. Most apps allow you to “connect” your accounts at other banks for faster money transfers.
3. Transfer your savings and start earning real interest immediately.

That’s it. You’ll still have access to your money, but now it’ll actually be working for you.

You don’t even need to close your old Wells Fargo account. Keep it for everyday banking if you like (as long as you aren’t paying those pesky monthly fees).

These days, I make about $60 to $70 in interest every month depending on my balance.

This is real money, that I buy real stuff with.

You can earn bigger interest too. You just need to open an account and move some money over.

If you’re still stashing cash in a Wells Fargo savings account, this is your nudge to take action. Check out these top-rated high-yield savings accounts and start earning more today.

I’ve loved high-yield savings accounts over the past two years. They’ve been paying over 4.00% APY, which is the kind of return we haven’t seen in more than a decade. But those rates aren’t going to last.

The Federal Reserve is expected to begin cutting interest rates later this month, and savings account APYs will tumble right alongside. That’s why I’m moving a chunk of my money out of high-yield savings in September and locking it into places where I can preserve today’s higher returns.

Savings accounts are about to pay less

High-yield savings accounts are variable. When banks cut rates, they cut them fast. That 4.25% APY you see today could be under 3.75% by November. And once it drops, you have to wait for rate cycles to change to get it back.

I’m not closing my savings account completely. It’s still the best spot for my emergency fund and short-term goals. But I don’t want thousands of dollars sitting in cash earning less and less interest each month.

Where I’m moving the money

I’m moving my cash into certificates of deposit (CDs). CDs let me lock in today’s yields for a set term like 12, 24, 36 months, or longer. Once I’m in, the bank can’t cut the APY, no matter what the Fed does.

I’m also using a CD ladder. That means splitting my money across different term lengths so a portion comes due every year. It gives me steady access to cash if I need it, while still locking in higher rates on longer terms.

This way, I don’t have to guess exactly when I’ll need the money, and I don’t miss the chance to preserve today’s top APYs.

The math behind the move

Let’s say you have $20,000 sitting in savings:

• At 4.25% APY, that earns about $850 in interest over the next year.
• If rates fall to 3.50% by year’s end, that drops to $700 in interest.

That’s $150 less just because you waited. Now scale that up if you’ve got a bigger emergency fund or down payment fund. The lost interest adds up fast.

Why now is the time to act

Waiting until after the Fed cuts rates is too late. By then, banks will already have slashed their APYs. Moving money before the Fed meeting on Sept.17 gives you the chance to lock in one of the last rounds of 4%+ rates before they likely disappear.

I’m not abandoning high-yield savings altogether; they’ll always have a place for my emergency cash. But for the money I don’t need immediately, I’d rather secure today’s top rates than watch them slide lower. Compare the best CD rates today.

For more than a year, savers have enjoyed a gift: easy access to 4.00%+ APYs on high-yield savings accounts. But that window is starting to close. With the Fed likely to cut rates later this month, banks are already preparing to dial back those generous payouts.

If you’ve been waiting to move your money, now’s the moment. But banks with the highest APYs now are likely to still have the highest APYs after rates start to drop. Here are three of the best options.

Campbell Soup(NYSE: CPB) reported fourth quarter fiscal 2025 earnings on September 3, 2025, with organic net sales down 3% and adjusted EBIT down 2% year-over-year, but results slightly exceeded internal expectations. Management raised its enterprise cost savings target by 50% to $375 million by fiscal 2028, while fiscal 2026 guidance anticipates adjusted EPS will decline 12%-18% due to significant tariff headwinds and elevated input costs. The following insights highlight key strategic developments, risk factors, and competitive strengths from the call.

Cost savings target rises for Campbell Soup

Campbell increased its enterprise-wide cost savings program target from $250 million to $375 million by fiscal 2028, following $145 million in realized savings in fiscal 2025, primarily from Sovos Brands integration and network optimization. This expanded target reflects a more aggressive approach to efficiency, digital transformation, and indirect spend management, supporting reinvestment in core brands.

“Today, we are increasing our cost savings target to $375 million by the end of fiscal 2028, a 50% increase over the previous estimate. PEEK will continue to focus on four areas: network optimization, integration synergies, technology and organization effectiveness, and indirect spend management.”
— Carrie Anderson, Chief Financial Officer

This step-up in cost savings ambition provides Campbell with greater flexibility to offset inflationary pressures and fund marketing and innovation, but also raises execution risk if integration or productivity initiatives underdeliver.

Tariff headwinds pressure Campbell Soup margins

For fiscal 2026, gross tariffs are projected at approximately 4% of cost of products sold, with about 60% of the impact from Section 232 steel and aluminum tariffs affecting the soup can supply chain, and the remainder from global IPEA tariffs and Rao’s imports from Italy. Management expects to mitigate only 60% of these tariffs through supplier collaboration, alternative sourcing, productivity, and targeted pricing actions.

“Gross tariffs are projected at approximately 4% of cost of products sold, approximately 60% related to Section 232 steel and aluminum tariffs, and the remainder largely from global IPEA tariffs. Despite the ongoing uncertainties around the IPEA tariffs, we are still assuming that they remain in place for the year. We expect to mitigate approximately 60% of this impact through a number of actions,”
— Carrie Anderson, Chief Financial Officer

Persistent tariff-related cost inflation will weigh heavily on Campbell’s margins in fiscal 2026, requiring further pricing, supply chain, or structural changes to protect profitability if mitigation efforts fall short.

Brand leadership and innovation drive Campbell’s resilience

In fiscal 2025, Campbell’s 16 leadership brands represented about 90% of total net sales, with meals and beverages gaining 0.2 share points and delivering 1% dollar consumption growth, offsetting softness in snacks. Rao’s brand net sales rose at a high single-digit rate on a pro forma basis, and recent innovation contributed approximately 3% to consolidated net sales, led by Milano White Chocolate and health-forward broth offerings.

“Our stronghold in the Italian sauce category continues as Rao’s, which will soon become our fourth billion-dollar brand, and Prego hold the top two spots in dollar share, and we are excited about the prospects for future growth with these great brands.”
— Mick Beekhuizen, Chief Executive Officer

Campbell’s ability to maintain category leadership and drive measurable growth through innovation and brand investment underpins its long-term market position, even as short-term volumes remain pressured by cautious consumer behavior.

Looking Ahead

Management guided fiscal 2026 adjusted EBIT down 9%-13% and adjusted EPS down 12%-18%, primarily due to tariff headwinds and increased investment in marketing and innovation, with organic net sales expected to range from down 1% to up 1%. Capital expenditures are projected at 4% of net sales in fiscal 2026, with planned cost savings of approximately $70 million. All forecasts are on a comparable 52-week basis, excluding the extra week from fiscal 2025 and divestiture impacts, and no additional quantitative guidance was disclosed regarding segment profit or volume mix.

Worried about a stock market drop hurting your retirement savings?

As someone who’s spent years writing about personal finance, I know how scary it can be to watch investments fluctuate. It’s even worse when you’re just about to retire.

The good news is there are lots of low-risk investment options that can protect your savings while still earning a decent return. Here are four reliable choices.

1. High-yield savings accounts (HYSAs)

If you want to keep full access to your cash while still earning solid interest, a high-yield savings account is a great starting point.

Many top online banks now offer HYSAs with rates at or above 4.00% APY. Key benefits to look for include:

• FDIC insurance up to $250,000 per account
• No monthly fees
• Little or no minimum balance requirements

Because of their flexibility, HYSAs are ideal for immediate cash needs. Whether it’s an emergency fund or short-term savings, your money can stay liquid while still earning a competitive rate.

Ready to earn more on your savings? Check out our favorite high-yield savings accounts available today.

2. Certificates of deposit (CDs)

CDs offer steady, predictable returns, allowing you to deposit money for a set amount of time in exchange for a guaranteed interest rate. That’s especially valuable if you want to protect your savings from market swings.

Many CDs’ rates are also hovering in the 4.00% range, meaning you can guarantee a strong return by locking up your money.

One smart way to keep your money accessible while still earning high rates is to set up a CD ladder. For example, you could open CDs that mature in 3, 6, 9, and 12 months.

This way, part of your money becomes available every few months while the other CDs keep earning. Then you can either use the earnings as needed or reinvest them to keep the ladder going.

Explore all of our favorite CDs and build a smarter savings strategy today.

3. Treasury bills (T-bills)

Treasury bills (T-bills) are another strong choice if you’re willing to lock in cash for a short period. These are short-term debt obligations offered by the U.S. government, with terms ranging from four weeks to a full year.

Right now, T-bills are offering yields around 4.00%. Retirees like them them because:

• They’re fully backed by the U.S. government
• The interest isn’t subject to state or local income taxes
• You can buy them in increments as little as $100

You can buy T-bills through a brokerage firm for a small fee, or directly from TreasuryDirect.gov.

Finally, a fixed annuity works similarly to a long-term CD, but often offers higher guaranteed returns — currently around 5% to 6% annually.

Like CDs, you deposit a lump sum, earn a fixed interest rate, and then receive payment — the difference being that your payments can be dispersed over time, instead of given in one lump sum. This turns your investment into a stream of income.

Deferred annuities let your money grow before payouts start, while immediate annuities provide income right away. When considering a fixed annuity, check for a death benefit so your heirs can receive any remaining funds if you pass away before the money is fully paid out.

Using a mix of HYSAs, CDs, T-bills, and fixed annuities can diversify your savings and protect it from market drops. They all provide a nice balance of safety, accessibility, and value, giving you the confidence you need to comfortably enter retirement.

ARGOS has kicked off a massive summer sale, offering huge discounts across thousands of products as temperatures start to soar.

The retail giant’s summer deals feature savings of up to 50% – perfect timing for shoppers looking to spruce up their homes and gardens for the sunny season.

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Argos Easter Big Red Event sale: Up to 50% off

The Argos summer sale launched earlier this week, bringing welcome discounts during the peak barbecue and outdoor entertaining season.

This is the ideal moment for shoppers to refresh their outdoor spaces, with fantastic savings on garden furniture, BBQs, and seasonal must-haves.

It’s a prime time for home improvements, and savvy shoppers can snag big discounts on everything from patio sets to indoor furniture upgrades.

Homeware, garden essentials, outdoor cooking equipment, and tech: Argos has covered all bases with its June deals and discounts.

Just remember that popular items tend to sell out fast during Argos sales, so don’t delay if something catches your eye.

We’ve picked out our favourite Argos summer deals below.

Argos summer deals this June

Habitat Kids Rory Curved Single Metal Bed Frame

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Habitat Kids Rory Curved Single Metal Bed Frame
£76 (was £115)

What’s the deal? Snap up this stylish kids’ bed frame with a fab £39 discount – that’s 34% off a statement piece that’ll transform any child’s bedroom this summer.

Why it’s a great buy: This gorgeous curved metal design brings a touch of cool to your little one’s space without breaking your budget.

Available in grey, it’s sturdy enough for everyday use, while its sleek lines add a modern touch that suits any age.

The metal slats provide great support for a comfy night’s sleep during hot summer months, and the simple assembly means you’ll have it up in no time – perfect for summer bedroom makeovers while the kids are playing outside.

• More Argos furniture deals: beds, mattresses, wardrobes – shop here

GreenPan Geneva 28cm Non Stick Stainless Steel Wok

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GreenPan Geneva 28cm Non Stick Stainless Steel Wok
£57.75 (was £77)

What’s the deal? Snap up this premium stainless steel wok with a tasty 25% discount – perfect for whipping up delicious summer stir-fries without spending hours scrubbing pans afterwards.

Why it’s a great buy: This gorgeous Geneva wok combines style with serious cooking power.

The diamond-enhanced non-stick coating allows you to use less oil for healthier summer meals, while the stainless steel construction distributes heat evenly for perfect results every time.

It’s induction-compatible too, making it ideal for any kitchen setup.

Whether you’re tossing together a quick weeknight dinner with garden veggies or impressing friends with a summer feast, this durable wok handles it all – and looks fab hanging in your kitchen when not in use.

• More Argos cookware deals: pots, pans, kitchen gadgets – shop here

McGregor 25m Compact Hose Reel with Accessories

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McGregor 25m Compact Hose Reel with Accessories
£33 (was £45)

What’s the deal? Snap up this essential garden gadget with a juicy £12 saving – perfect for keeping your garden blooming through the summer heatwave without breaking your budget.

Why it’s a great buy: This compact little hero is an absolute must-have for summer garden maintenance.

The 25m hose length is perfect for small to medium gardens, while the lightweight design makes it super easy to drag around your outdoor space.

It comes fully loaded with all the accessories you need to get watering straight away, and the clever reel system means no more tangled hose nightmares ruining your sunny afternoon.

The space-saving design won’t clutter up your shed or garage, but still packs enough power to keep your garden looking lush all summer long – even during hosepipe ban season.

• More Argos garden deals: sprinklers, watering cans, garden tools – shop here

LEGO Harry Potter Hogwarts Castle: Charms Class Set

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LEGO Harry Potter Hogwarts Castle: Charms Class Set
£14 (was £18)

What’s the deal? Snatch up this magical LEGO set with £4 off – perfect timing for keeping little wizards entertained during the summer holidays without emptying your Gringotts vault.

Why it’s a great buy: This pocket-sized piece of Hogwarts magic lets kids recreate Professor Flitwick’s famous “Wingardium Leviosa” lesson, where everything went hilariously wrong.

The set cleverly opens up for easy play and comes packed with fun details like a tiny blackboard and potion ingredients.

It includes popular minifigures to act out all those iconic classroom scenes – ideal for Harry Potter fans who want to bring a bit of wizardry to rainy summer days.

At this price, it’s a spellbinding little treat that won’t have parents reaching for a time-turner to undo the purchase.

• More Argos toy deals: LEGO, outdoor games, water toys – shop here

Shark Anti Hair Wrap & Flexology Cordless Vacuum Cleaner

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Shark Anti Hair Wrap & Flexology Cordless Vacuum Cleaner
£175 (was £250) with code ELEC30

What’s the deal? Bag this powerful Shark vacuum with a fantastic £75 discount, giving you a 30% saving on a top-rated cleaner that’ll make summer cleaning an absolute breeze.

Why it’s a great buy: This clever cordless wonder is a summer cleaning essential that makes tackling every corner of your home effortless.

The Anti-Hair Wrap technology prevents annoying tangles around the brush head (goodbye, scissors!), while the Flexology feature bends to reach under furniture, making it perfect for grabbing all that summer dust and pollen.

It effortlessly converts to a handheld for tackling stairs, sofas, and cars after those beach trips.

With its powerful suction that works brilliantly on both carpets and hard floors, you’ll wonder how you ever managed without it, especially at this sizzling summer price.

• More Argos vacuum deals: Dyson, Shark, Hoover, Henry – shop here

Oral-B iO Series 2 Electric Toothbrush

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Oral-B iO Series 2 Electric Toothbrush
£45 (was £100)

What’s the deal? Snap up this premium electric toothbrush with a massive 55% discount – perfect timing to get your smile summer-ready while saving a whopping £55.

Why it’s a great buy: This clever little gadget combines gentle micro-vibrations with Oral-B’s dentist-inspired round brush head for a seriously deep clean that’s 100% more effective than manual brushing.

The smart pressure sensor glows red when you’re brushing too hard – brilliant for protecting sensitive summer gums.

With three brushing modes and a handy two-minute timer, it eliminates the guesswork of achieving a perfect smile for your summer selfies.

At less than half price, it’s the ideal time to upgrade your bathroom routine with some serious dental tech.

• More Argos bathroom deals: electric toothbrushes, hair dryers, styling tools – shop here

Habitat Celine Velvet Accent Chair

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Habitat Celine Velvet Accent Chair
£113 (was £170)

What’s the deal? Snap up this gorgeous velvet accent chair with a whopping £57 off – that’s a stylish 33% discount on a statement piece that’ll instantly elevate any room this summer.

Why it’s a great buy: This luxurious little number is the perfect summer home upgrade that won’t break your budget.

The plush velvet upholstery feels truly premium, while the high-reclined back and deep-cushioned seat make it incredibly comfortable for those lazy summer evenings with a good book or a Netflix binge.

Available in several eye-catching colours, it’s the ideal size for smaller spaces, such as bedrooms or home office corners.

The sleek, splayed metal legs add a modern touch that works with practically any decor style.

At this price, you might want to grab two for a perfectly coordinated look that’ll impress summer visitors.

• More Argos furniture deals: sofas, chairs, tables – shop here

McGregor 34cm Electric Corded Rotary Lawnmower

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McGregor 34cm Electric Corded Rotary Lawnmower
£67 (was £90)

What’s the deal? Snap up this summer lawn essential with a fantastic £23 off, giving you a neat 26% discount just in time for peak grass-growing season.

Why it’s a great buy: This nifty little mower makes light work of small to medium lawns without the faff of petrol or pricey batteries.

The powerful 1400W motor and sharp 34cm steel blade slice through even the most overgrown summer grass, while six height settings allow you to pick the perfect cut, ranging from 2-7cm.

The generous 35L grass box means less emptying and more mowing, and the whole thing is lightweight enough to push around without breaking a sweat in the summer heat.

At this price, it’s the perfect upgrade for anyone whose garden’s looking a bit wild after all this sunshine and rain.

• More Argos garden deals: trimmers, mowers, garden power tools – shop here

Habitat 2.5m Overhanging Garden Parasol

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Habitat 2.5m Overhanging Garden Parasol
£75 (was £100)

What’s the deal? Snap up this stylish garden essential with a fab £25 discount – that’s 25% off the perfect shade solution just as the summer sun really starts to heat up.

Why it’s a great buy: This clever overhanging design gives you way more flexibility than standard parasols – position it exactly where you need that cooling shade without a chunky pole getting in the way of your garden lounging.

The generous 2.5m canopy provides ample coverage for garden furniture or paddling pools, while the adjustable tilt feature allows you to track the sun throughout the day.

The sleek Habitat design looks way more expensive than its price tag suggests – ideal for instantly upgrading your outdoor space for all those summer BBQs and garden gatherings.

• More Argos garden deals: parasols, gazebos, outdoor furniture – shop here

KitchenAid 5K45SSBOB Classic Stand Mixer

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KitchenAid 5K45SSBOB Classic Stand Mixer
£350 (was £499)

What’s the deal? This iconic kitchen status symbol is now available with a massive £149 discount, offering 30% off one of the most coveted kitchen appliances around, just in time for the summer baking season.

Why it’s a great buy: Let’s be honest, this mixer isn’t just about whipping up cakes – it’s kitchen eye candy that’ll have your mates green with envy.

The classic tilt-head design gives easy access to the bowl while the powerful motor makes light work of everything from bread dough to fluffy meringues.

With 10 speed settings and that signature planetary mixing action, you’ll get perfectly mixed results without the arm ache.

The included accessories tackle most kitchen tasks, but true baking enthusiasts can expand their collection with the vast range of available attachments.

Available in several gorgeous colours, it’s the summer kitchen upgrade you’ve been waiting for.

• More Argos kitchen deals: mixers, food processors, blenders – shop here

Argos Summer Sale: Essentials under £20

It’s not all about pricy appliances and homeware in the Argos – you’ll find some great deals on cheaper items too.

• Yankee Home Inspiration Large Jar Candle, £12.75 (was £17) – buy here
• Revere Sterling Silver Teddy Bear Baby Bangle, £14.99 (was £22.99) – buy here
• Johnstones One Coat Shed and Fence, £10.89 (was £16.50) – buy here
• LEGO Valentine’s Heart Ornament, £7.80 (was £8.80) – buy here
• Opti Blue Gym Ball, £9 (was £12) – buy here
• Oral-B Pro Electric Toothbrush Heads, £15.50 (was £30) – buy here
• Argos Home 14m 3 Tier Indoor Clothes Airer, £11.99 (was £18) – buy here
• WORKPRO 6 Pieces Screwdriver Set, £8.25 (was £11) – buy here

Is Argos open over the Easter weekend?

Argos stores across England, Wales and Northern Ireland will open on Good Friday (April 18), Easter Saturday (April 19) and Easter Monday (April 21) in 2025.

However, stores which do open their doors on these dates will likely follow a reduced hours policy common across the UK.

On Easter Sunday (April 20), the retailer will close all stores in England, Wales and Northern Ireland, marking the Christian holiday.

Scotland will be the outlier with most Argos locations closing for Easter Sunday but a select few staying open – so remember to check opening times before you travel to your local store.

Does Argos do January sales?

Yes, Argos does hold January sales and the retailer gives shoppers the entire month to snag any deals which catch their eyes.

That’s right, the retailer doesn’t bring their January clearance sales to a close until January 31 giving you as much time as possible to get your money’s worth.

In 2025, Argos sliced 66% off of selected electronics and home appliances, meaning shoppers could save on anything from TVs to vacuum cleaners.

The Remington Shea Soft Hair Dryer dropped a whopping 66% in price, falling from £50 to only £17 in the January clearance sale.

Sale items were available both in-store and online with standard delivery starting at just £3.95 and same-day options available for an additional fee.

Click and collect is free for items ordered online.

Does Argos do Black Friday sales?

Yes, Argos does offer Black Friday sales and the retail giant has already begun counting down to the big day!

With November fast-approaching, the high street store has some advice for potential customers:

Be prepared: The store’s website advises shoppers to prepare for a day of smooth shopping by researching the products you want and writing up a list of back-up options in case you are too late.

Create an Argos account: To purchase an online order on the day you will need an Argos account set up, so you can get ahead of the game and make sure to register before the rush!

Shopping online: Finally, Argos recommends shoppers complete their hauls from the comfort of their own home by starting early, prioritising their lists, sticking to their budgets and being patient.

On the big day, all orders bought online before 5pm will be delivered by 10pm on the same day for just £5.95, subject to availability.

Or, customers can choose to pick up from a Sainsbury’s Collection Point near you.

Head to The Sun’s shopping section for more of the latest discounts we’ve spotted.

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.

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