What to read right now…

You can get paid to recycle stuff – specifically cans and bottles – but the scheme won’t start until 2025.

Package holidays prices are up by 30% for the most popular destinations apparently. 

So I give you this old piece on why you should be looking at the shoulder season and days, and where to find cheap breaks in the UK.

Here’s an interesting take on why inflation might settle on its own without (much) intervention.

The US debt ceiling was triggering all sorts of problems in the markets last week – here’s a handy explainer on what it’s all about.

The deal that’s a steal…

Well, it’s the end of January and somehow Boots still has Christmas stuff on sale – but with some nice discounts of course.

Like this Rituals advent calendar*, which is now £48.93, down from £69.90.

Or the Estée Lauder Holiday Glow makeup gift set*, which is now £46.33, down from £69.80.

The No7 ultimate beauty advent calendar* still at £140 though. But with 23 full sized products it does offer a big saving on normal prices if you’re a fan.

And an actual freebie…

Freelancers, if you’re thinking about opening a business bank account – as a sole trader, you absolutely don’t need to – then it’s worth checking out Tide’s latest offer*.

Right now if you open a business current account with them you’ll get £75 for free.

To get it, you have to use the code REFORM when you sign up and spend £300 on your Tide card within three months of opening your account.

Unlike other business bank accounts, this one doesn’t have monthly fees – you just pay for certain transactions, like when you transfer money out from your account. 

They’re authorised by the Financial Conduct Authority, but they’re not actually a bank so make sure you look at all the small print to make sure it’s suitable for you before you sign up.

If you only do one thing…

Consider switching your bank account. 

There are lots of new offers around at the moment – and I’ve updated the Money Talk guide with a full list of these.
Before you do, make sure you read up on some of the things to consider and how it might affect your credit score.