How many times have you been to a restaurant and been handed a wine list full of wines that you are totally unfamiliar with? Or splashed out on expensive wine, only to be left disappointed by the taste? A couple of years ago, I visited Bordeaux, a region renowned for producing some of the world’s best wines. Whilst there, I went on a wine tour of one of Bordeaux’s 6,000 chateaux. Here I learnt a lot about the wine production process and what makes a good red wine.
I have been a Monzo customer since February 2017, shortly before they officially became a bank. I initially joined Monzo partly to understand what the hype was all about (several people in my office were brandishing these bright orange cards). And partly to benefit from their low foreign exchange fees when going abroad.
Monzo’s pace of development appears to have slowed in recent months. However, a recent experience reminded me of why I love banking with Monzo, and why I will never go back to one of the incumbent banks.
One of the perks of my job includes Vitality health insurance. Through Vitality, if I do a certain number of steps each week (recorded via my Apple watch), I can get a free coffee at Starbucks. It’s a nice little treat on weeks when I’ve walked enough to earn it. The problem is, even on weeks when I’ve not earnt my free coffee, I still find myself wanting one, particularly because there’s a Starbucks near my home that I walk past regularly. At £2.50 per flat white, there are of course more expensive habits out there but buying just one per week would still cost £130 a year. So what other options are there?
I’m not sure I know anyone, other than maybe my grandparents, who don’t have a subscription to either Netflix or Spotify. Most of my friends and family have both, paying £22 per month (£264 a year) for the Premium versions of each- not an insignificant expenditure!
Now I am one of those parasitic beings who are still on the Family subscription for both of these services (thank you Dad) so I’ve not tried this myself. However, if unlike me you are currently paying for one or both of these subscriptions out of your own pocket then read on to learn how to save up to £139 a year.
There’s a guy I work with who, I don’t think he’d mind me saying, is obsessed with credit cards- he has around 8 of them! Why is he so into credit cards? Well, he tells me it’s “all about the points”. Originally from Hong Kong, he regularly flies back to visit family and so it’s no surprise that one of his most frequently used cards is his Virgin Atlantic Reward Card which allows him to accrue air miles, saving him hundreds of pounds each year! Continue reading “Three ways these fintechs might make you richer”