HSBC to close 114 branches

Reading Time: 2 mins

Bank HSBC have announced the closure of 114 branches across the UK from April 2023. The bank said the number of customers using its branches has fallen dramatically since the pandemic in 2020. 

HSBC have also said they will try to save as many jobs as possible. Around 100 people will lose their jobs, with the remaining staff from the stores being moved to different stores instead. The company has said the remaining 327 across the UK will be updated. 

A worker’s union have accused the bank of abandoning customers. HSBC is just one of many banks to close physical branches nationwide. Thousands of bank branches have been closed by lenders over the last few years. With the number of people banking online increasing significantly, banks close stores to cut costs. 

Other bank closures

Lloyds Banking Group owns Halifax and Bank of Scotland and has closed more than 850 branches. There are plans to close 70 more in 2023. Natwest, which owns RBS and Ulster Bank, has closed 1,200 branches, and Barclays has shrunk the most of all individual banks, closing 960 branches in total. 

The speed at which banking branches are being closed is a huge concern for many, particularly those customers who may be weary of online banking, or unable to manage this themselves. Physical banks provide reassurance for many. 

27 ‘shared banking hubs’ are set to be built across the UK. However, these are still just a promise, with only two being opened so far. Evidently, the rate at which shared banking hubs are opening cannot keep up with the speed at which hundreds of bank branches are being axed across the country. 

Shared banking hubs help businesses and vulnerable individuals to deposit and withdraw cash, no matter which bank they belong to. 

These closures are not the first for HSBC. Back in March of this year, the company announced the closure of 69 branches this autumn. It said some HSBC branches only serve up to 250 customers weekly. Similarly, 90% of transactions are now completed digitally. 

Which HSBC branches will be closing?

  • April: Abergavenny, Alton, Bexhill on Sea, Blandford Forum, Bristol Downend, Cromer, Leominster, Market Bosworth, Shaftesbury, St Austell, St Ives 
  • May: Arnold, Bideford, Brecon, Bridport, Brighouse, Bristol Filton, Coleraine, Didcot, Dover, Dundee, Fakenham, Gainsborough, Halesowen, Hove, Launceston, Leicester 11 Hinckley Road, Liskeard, Market Harborough, Minehead, Stamford, Stourport on Severn, Stroud, Sudbury, Waltham Cross, Whitby, Whitley Bay, Wilmslow 
  • June: Beccles, Bicester, Chepstow, Frome, Hertford, Honiton, Ilkley, Knutsford, Lewes, New Milton, Oakham, Penarth, Pocklington, Pontypool, Portadown, Ross on Wye, Skipton, Sleaford, South Shields, St Neots, Stirling, Twickenham, Wadebridge, Wells 
  • July: Blackwood, Bognor Regis, Bromborough, Christchurch, Coalville, Droitwich, Gosforth, Harpenden, Horsforth, Kingswinford, Leatherhead, Long Eaton, Marlow, Norwich Mile Cross, Palmers Green, Port Talbot, Portishead, Ripley, Seaford, Southampton Park Gate, Tonbridge, Wetherby 
  • August: Ashton under Lyne, Bethnal Green, Bristol Westbury on Trym, Cardiff Rhyd y Penau, Chippenham, Cirencester, Colwyn Bay, Denbigh, Dorchester, Eastwood, Henley on Thames, Hornchurch, Kenilworth, Leighton Buzzard, London 122 Finchley Road, Morley, North Finchley, Ormskirk, Putney, Reigate, Ryde, Windsor, Wymondham 
  • Not yet known: Cowbridge, Epworth, Holsworthy, Hythe, Oxted, Settle, Tenby 

The post HSBC to close 114 branches appeared first on MoneyMagpie.

Original source: https://www.moneymagpie.com/make-money/hsbc-to-close-114-branches

Asda’s ‘Winter Warmer’ initiative and other support

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Supermarket Asda has announced a new range of initiatives to help customers struggling through the cost-of-living crisis. Named the ‘Winter Warmer’ initiatives, the support is aiming to give reassurance to those in the community and vulnerable groups this winter. 

They are offering customers over the age of 60 a warm bowl of soup, a bread roll and unlimited tea or coffee for just £1. This offer can be redeemed in any of Asda’s in-store cafes all day, every day throughout December. 

kids eat for £1

Taking the grandchildren shopping? Looking after a little one? The initiative will run alongside the ‘Kids Eat for £1’ offer, which will also run until the end of the year. More than 557,000 meals have been given for just £1 since June, a hugely popular scheme. 

the community cuppa campaign

These are not the only schemes Asda is running this winter, either. The ‘Community Cuppa’ campaign is for community groups, creating space for people to come together. Local groups and individuals who may otherwise struggle to meet due to rising energy costs can come together to socialise. 

These spaces are available on weekdays throughout December from 2pm to 6pm. Anyone who visits as part of a community group will receive free and unlimited tea and coffee. 

cost of living grant scheme

The supermarket giant isn’t stopping there, either. Its cost-of-living grant programme, led by the Asda Foundation, is providing £500,000 worth of funding to community groups across the UK. They hope to help groups struggling with rising operating costs and increased demand due to the current economic situation. 

Individual grants worth up to £2,000 are available, with priority being given to groups and charities in need of financial help. This includes groups which need help covering energy costs or want to use their facilities to create ‘warm banks’. These are spaces where people can keep warm if they cannot afford to heat their homes in the colder months. 

The post Asda’s ‘Winter Warmer’ initiative and other support appeared first on MoneyMagpie.

Original source: https://www.moneymagpie.com/make-money/asdas-winter-warmer-initiative-and-other-support

Are you a student? Get paid for your opinion!

Reading Time: 6 mins

This is a paid article on behalf of The Opinion Panel Community.

Are you a student? Get paid for your opinion! 

Are you coming to the end of your first term at Uni? Perhaps you are in your final year of university, coming to the time to start your thesis or dissertation. Either way, it is likely you are feeling the financial strain of being a student. 

Being a student in even the best of economic climates is tough on your bank account. Funds are low, super noodles become your go-to meal, and any spare money you do have goes toward bus rides to seminars and lectures, or the occasional train journey home to see the parents. 

Earning extra money can seem daunting. You are bogged under with essays, research and reading. Getting a part time job may seem out of the realm of possibility, with those who do manage to bag a part-time job struggling to spin all their plates at once. Between education, working, friends, socialising and having time to yourself, it can feel hard to juggle. 

But fear not, The Opinion Panel Community is here to help you earn some extra cash to get you through. All you need to do? Give your honest opinions. 

 

Our review

Our Magpie Izzy, our assistant content editor here at MoneyMagpie.com, was tasked with trying out Opinion Panel to give an honest account of her experience. She is 24, has recently graduated from the University of Brighton, and is a big advocate for surveys as a way of getting a little extra money every month. 

Here’s what she had to say:

“The sign-up process for Opinion Panel was so straight-forward and took only moments. I managed to do it during my 15-minute tea break at work. Plus, I even got my housemate to sign-up as it looked so promising. 

“I got my first survey within an hour or so of signing up and filling in my details. It was worth £1 and took about 15 minutes to complete. The survey itself was actually really enjoyable as it was relevant to me. I then received another survey that day, worth 50p. It took the same amount of time as the first, but it didn’t feel long at all. I did it as I watched TV after work. 

“I’ve now been using Opinion Panel for two weeks and have earned almost £7 from various surveys. They are quick enough to do during breaks at work, whilst I’m waiting for the washing machine to finish my laundry and as I said before, I love doing them on an evening as I catch up on my favourite TV shows.  

get paid for your opinion

“My flatmate had a similar experience to me. She got plenty of great surveys and it has almost become a bonding experience between us, as we chat about how many surveys we have managed to complete. When we get to £25, I’m excited to use the voucher towards Christmas presents, or helping me out financially in the gloomy days of January when money is tight after the festive period. 

“I also really enjoy reading the articles on the site. Many of which are written by members, which makes it super relatable. Reading the opinions of others in my age group has made me feel reassured in areas of worry, such as relationships, and I recently read a fascinating piece about body image and confidence. Just knowing other young people have the same worries or thoughts as you can be so reassuring. It really is a community. 

“Overall, I would really recommend Opinion Panel to young people. If you make a habit of checking it when you have a spare moment, you can rack up the points before you know it. Plus, the sign-up bonus of £10 makes reaching the £25 goal seem more achievable. It also feels great knowing my opinions are making a difference.” 

 

What is Opinion Panel?

Opinion Panel is the UK’s largest youth research community, founded in 2004. You can earn rewards whilst getting your voice heard. Join over 140,000 other young people in the Opinion Panel community, and start earning. When you are not taking part in research, you can debate with other members, get advice or even publish an article on a topic close to your heart. 

It can be extremely frustrating when it comes to earning money online. Many survey sites promise tons of cash for mere minutes of your time, only for no surveys to appear, or they come once in a blue moon. Many survey websites also provide plenty of surveys for very little money, or that ask for personal information or require sign-up to another site (never do either of these things!). 

However, this is where Opinion Panel is totally different. Instead of signing up to multiple websites online and getting no comeback from them, Opinion Panel brings you one portal, in one place, with multiple surveys. 

The best part? You actually get surveys. A good handful of them, bringing you a decent little pot of cash on the side, to help you pay for those expensive textbooks – and something other than instant noodles for dinner! 

 

Signing up

If you are aged 13 to 30, you can sign up for Opinion Panel today. Whether you are thinking about applying to university in the future, are currently there, have just graduated or are undertaking higher education, your opinions are valued. 

opinion panel logoThe sign-up process for Opinion Panel is extremely easy and take around five minutes. Of course, you are asked to give your name, email address and a few other bits of personal and log in information, but there are broader questions asked too. These questions include asking about your educational status and a few similar questions. These are to ensure you are able to sign up. 

These are all relevant, as the answers you give help to match you to surveys suited to you. This means you can give truthful opinions on topics you know and understand, and get the most out of your experience.  

Once you have signed up, that’s it – you can start earning and getting surveys specifically for you. Plus, you get 1,000 bonus points just for signing up – that’s £10 worth of vouchers! You can sign up here. 

 

The rewards

You can earn up to £5 per survey and as much as £70 for longer online and in-person discussion groups. You can earn anywhere from 50 to 500 points (50p to £5) per survey. There are also some slightly different research opportunities available that pay up to £30 for a series of surveys! 

Once you have earned £25, you get emailed a unique voucher code, which you can spend across hundreds of high street and online stores. These include Amazon, Ticketmaster, SportsDirect.com, House of Fraser and many more. 

assistant content editor

Plus, Opinion Panel are always giving away goodies to their members. These include Kindles, iPads, experience days and products to test before they are even released in shops! Writing a fab article could also earn you a solid £50. Not too shabby. 

As previously mentioned, you get £10 worth of points just for signing up, so you are almost half way to your first £25 voucher already! Once you redeem £25 worth of points, you get another 1,000 points added to your account straight away! 

Opinion Panel have already given away over £1.5 million in vouchers to their members. If you want a slice of the pie, you can sign up here. 

 

What members are saying

The reviews for Opinion Panel on Trustpilot speak for themselves. Rated 4.2 out of 5, there are many happy people using Opinion Panel to make some extra money.  

One five-star review reads: “Genuine site for those who are looking for [a] side hustle, managed to claim the voucher twice since I started a few months ago.” 

Another reads: “I’ve been using opinion panel for the past few years and I can honestly say it’s the best survey site out there! They offer relevant surveys to me that are quick and easy, and I have earned so much money from completing them. The customer service team are also so helpful and quickly answer and queries I have.” 

 

Fancy earning extra on the side? If you are aged 13 to 30, sign up now and start getting rewarded for your opinions! 

 

DisclaimerMoneyMagpie is not a licensed financial advisor and therefore information found here including opinions, commentary, suggestions or strategies are for informational, entertainment or educational purposes only. This should not be considered as financial advice. Anyone thinking of investing should conduct their own due diligence.

The post Are you a student? Get paid for your opinion! appeared first on MoneyMagpie.

Original source: https://www.moneymagpie.com/make-money/are-you-a-student-get-paid-for-your-opinion

Strike dates: Postal and railway industrial action this month

Reading Time: 3 mins

By now, you will have heard the news that many Royal Mail and railway workers are striking in the run up to Christmas this month, and in some cases, into January too. It can be confusing trying to keep up with when workers are going to strikes, the dates they will take place on and how you could be impacted. 

Fear not, we are here to help. Here are all the dates workers will be striking throughout the coming weeks. 

 

Royal Mail

strike dates

December brings a fresh wave of strikes from Royal Mail workers, with the industrial action set to delay deliveries of Christmas gifts across the UK. This will impact millions using the service. Walkouts were arranged by the Communication Workers’ Union (CWU) over pay and working conditions. 

Some days of striking have already been completed, with many more in quick succession to come. 115,000 members of the CWU will walkout during the strikes. 

Royal Mail strike dates:

  • Thursday, 1st December 
  • Friday, 9th December 
  • Sunday, 11th December 
  • Wednesday, 14th December 
  • Thursday, 15th December 
  • Friday, 23rd December 
  • Saturday, 24th December (Christmas Eve) 

How will the strikes impact deliveries?

The closer to Christmas, the more these strikes are likely to impact the delivery of last minute or late Christmas gifts and packages. Millions of households will feel the havoc of this, so it is key that parcels are posted and goods ordered well in advance.  

Royal Mail are urging customers to allow plenty of time to post items this year, suggesting 2nd class items should be posted by 19th December at the very latest. 1st class items should be sent by 21st December. 

However, special deliveries and tracked guaranteed items should be sent no later than 22nd December. Special deliveries with a “Saturday guarantee” should be sent by 23rd December.  

International post

If you are sending presents overseas, you should allow yourself even more time. There is no such thing as too early when it comes to getting your goods to their destination on time. If you are sending items to family and friends in the armed forces, you should aim to post them by 2nd December.  

Deadlines for sending to other countries via standard international mail, such as the Far and Middle East, Hong Kong, Singapore, South Africa, the British Virgin Islands, Canada, the US, Dominica and Anguilla have passed. Similarly, the deadline for posting goods to Cyprus, Greece, Iceland, Turkey, Eastern Europe, Western Europe and Malta via international standard post have passed. 

 

Rail strikes

British Virgin Islands

We have seen multiple rail strikes this year, with a fresh lot of 48-hour strikes coming in the run-up to Christmas and into the new year. Recently, talks failed to break down the industrial dispute, meaning more walkouts have been planned.  

40,000 members of the Rail, Maritime and Transport workers union (RMT) will walk out over an 8-day period in the coming weeks. Trains will cease to run between 2am on the strike day and 2am the following day, causing two days of disruption to services. 

Security staff at Eurostar will also go on strike this month, walking out on December 16th, 18th, 22nd and 23rd. 

Strikes, alongside planned engineering work over the festive period mean some lines will be out of service for many weeks from the middle of December. It is expected that just one in five trains will run on strike days. 

Strike dates

Nationwide strike dates: 

  • Tuesday, 13th December 
  • Wednesday, 14th December 
  • Friday, 16th December 
  • Saturday, 17th December 
  • Tuesday, 3rd January  
  • Wednesday, 4th January  
  • Friday, 6th January  
  • Saturday, 7th January  

Regional strike dates:

  • Friday, 2nd December – Unite strike impacting East Midlands Railways 
  • Saturday, 3rd December – Unite strike impacting East Midlands Railways 
  • Sunday, 11th December – RMT Avanti West Coast strike 
  • Monday, 12th December – RMT Avanti West Coast strike 
  • Friday, 23rd December – Unite strike impacting East Midlands Railways 
  • Saturday, 24th December – Unite strike impacting East Midlands Railways 

Affected train operators

  • LNER 
  • Northern trains 
  • Avanti West Coast 
  • Southeastern 
  • Cross Country 
  • Chiltern Railways 
  • Hull Trains 
  • Greater Anglia 
  • Govia Thameslink (plus Gatwick Express) 
  • London Underground 
  • West Midlands Trains (plus London Northwestern Railway) 
  • Great Western Railway 
  • Transpennine Express 

The post Strike dates: Postal and railway industrial action this month appeared first on MoneyMagpie.

Original source: https://www.moneymagpie.com/make-money/strike-dates-postal-and-railway-industrial-action-this-month

3 Tips for Choosing the Best Lawyer for Your Business

Home Business Magazine Online

There are many different legal requirements that your business may need help and support with from a professional. Your lawyer will be an essential partner and support to keep your company or organisation healthy and successful. Are you baffled by the choice and not sure where to start? Here are three top tips to help you choose the best lawyer to suit your business needs.

1. Think about your business requirements

Narrow down where your business is likely to need assistance. Do you need support with commercial contracts or are your issues more likely to be in the field of property law such as conveyancing or tenancy agreements? If you have a wide span of legal needs, then these can be best served by a medium or larger law firm with different departments. Occasional work can be serviced by smaller firms where the professional fees are lower. Alternatively, very specific requirements will direct you to specialist lawyers like patent attorneys.

2. Understand the different types of lawyers

Lawyers qualify in a jurisdiction and legal qualifications vary around the globe. If you are looking for someone who just deals with English law, then you may be more comfortable with a lawyer who has studied and passed the SQE (Solicitors Qualifying Examination) in the UK or the bar exam in the US. The type of professional legal qualification can dictate where and how a lawyer may practice. Some UK law firms have international offices which offer access to specialist legal help in other countries, this is useful if your business has a global presence, or you can look for a law firm within the relevant jurisdiction. Always check that your chosen lawyer has the correct qualifications and the right to practice in the country you are looking at.

All lawyers focus on one legal area post-qualification. Check that they have the right specialisation and enough experience. For complex and non-routine legal matters, you may require a lawyer with a lot of experience and access to expert legal opinion.

3. Check your budget

Professional legal fees can be expensive. Larger firms with more lawyers and offices tend to charge more. Lawyers usually bill at an hourly rate. This can depend not just on the size of the law firm but the seniority of the solicitor. If your legal requirements can be identified and organised over the course of a year, then it may be possible to agree on a fee for a retainer service for certain elements of your business. Ad hoc jobs will be charged at the standard hourly rate.

Conclusion

Your choice of lawyer is crucial for the success of your business. Lawyers are proactive as well as reactive to legal problems and disputes. It’s essential to form a good business relationship with either a suitably qualified individual or a legal team. Choice can often come down to personal preference and will to some degree, depend upon the individual nature of your business.

The post 3 Tips for Choosing the Best Lawyer for Your Business appeared first on Home Business Magazine.

Original source: https://homebusinessmag.com/management/legalese/3-tips-choosing-best-lawyer-business/

Veneers Vs Crowns: A Guide

Home Business Magazine Online

Veneers and crowns happen to be two types of dental restorative treatment that help restore teeth and ultimately smile. They both are designed to improve the teeth in terms of functionality and appearance. And, since both tend to offer the same kind of benefits, it is often assumed that these procedures are the same thing. But, it is important to note that while they may seem similar, they are two entirely different dental procedures with stark differences.

If you are someone who is considering these two dental treatments but couldn’t make a choice, you are at the right place. To help you decide which one is suitable for you, here is a guide for you shedding light on the differences and how they work.

Let the veneers vs crowns assessment begin!

Defining veneer

Veneers are non-invasive aesthetic dental treatments unlike dental crowns. During this treatment, most of your tooth is left intact. This is only because veneers are meant to cover the tooth’s front surface.

Half a millimeter of the tooth’s front is grounded down to make room for the veneer bonding. It is pertinent to mention that the newer types of dental veneers don’t require as such grinding of the tooth. Also, local anesthesia might be needed as the tooth grinding can be a painful stage.

Moreover, it is crucial that there is enough enamel on the tooth for the veneer to bond and work properly.

Defining dental crowns

Considering that dental crowns cover the tooth in its entirety, it calls for more filing of the tooth before it can be fixed. Typically, crowns are used to restore severely damaged teeth caused by decay or cracks. In case your damaged tooth is the result of tooth decay, then your dentist will remove the decayed part to rebuild the tooth in order for it to support the installation of the dental crown. Speaking of this, crowns are manufactured from either porcelain-fused metal alloy, or all-porcelain or an all-metal alloy. The dentist will go with the one you prefer and will then secure it on to your tooth.

Veneers vs crowns: The similarities and differences

Similarities

As mentioned earlier, both are dental treatments meant to restore the way your teeth appear in addition to their function. These are typically used to rebuild damaged teeth, be it discolored, crooked, cracked or broken. Both dental veneers and crowns are designed in a way that they match the color of the teeth for a nice, seamless finish. It is difficult to tell whether you have veneers on or a crown because the final result is of similar nature.

Additionally, the aftercare is done the same way. You will be required to brush twice a day and floss to get rid of food particles. To sum up, you would have to visit the dentist on a regular basis for a routine checkup and professional cleaning.

Differences

The difference between these two dental procedures lies in the way they fit to the teeth and the reasons they are needed for. To put it in perspective, a veneer is fixed onto the tooth’s surface. On the other hand, a dental crown covers the tooth completely. This, in turn, makes the veneers more pleasing on aesthetic grounds as compared to crowns because they tend to put less gum on display. However, unlike veneers, dental crowns are thicker and permanent. The biggest difference probably is the fact that while veneers might need to be changed after a period of time, crowns will last for decades to come.

Veneer vs crown: Which one is right for me?

While both veneers and crowns seem to offer the same kind of function, they cannot be used interchangeably. Your dentist will determine which one is right for you after having assessed your dental situation. For an idea, dental crowns will prove to be the best option for individuals with severely damaged teeth, large filling or have gone through a root canal treatment. As for veneers, they are best for cosmetic purposes. Speaking of this, if your tooth is intact and requires minor correction, then your dentist will likely suggest that you opt for porcelain veneers. Click on this link to know the best one for you.

Reference website:

https://www.healthline.com/health/dental-and-oral-health/veneers-vs-crowns

The post Veneers Vs Crowns: A Guide appeared first on Home Business Magazine.

Original source: https://homebusinessmag.com/lifestyles/health-and-fitness/veneers-vs-crowns-guide/

Google is updating its Display and Video 360 Account Level Suspensions policy

This month Google is updating its policy regarding Display and Video 360 suspensions at the account level.

The following update was provided by Google and is available on their Advertising Policies Help page.

In December 2022, Google will update the Disapprovals and suspensions page so that there is a dedicated policy article for Display & Video 360. The dedicated policy page will specify that violation of the following policies will lead to an advertiser’s account suspension:

  • Circumventing systems
  • Coordinated deceptive practices
  • Counterfeit
  • Promotion of unauthorized pharmacies
  • Unacceptable business practices
  • Trade Sanctions violation
  • Sexually explicit content

The new policy page will also detail that a partner account will be suspended if advertisers within the partner have repeatedly or predominantly engaged in egregious policy violations.

Both partners and advertisers will be entitled to appeal account suspensions, and a link to the appeals form will be included in the new article.

Why we care. Display and Video 360 partners should ensure that their ads comply with the new policies so their accounts are not suspended or in violation.

The post Google is updating its Display and Video 360 Account Level Suspensions policy appeared first on Search Engine Land.

Original source: https://searchengineland.com/google-is-updating-its-display-and-video-360-account-level-suspensions-policy-389875

Views per Session and Average Session Duration now available in GA4

Google Analytics 4 (GA4) now has two new metrics available in Explorations and Reporting Customization.

Google Analytics Product Manager Carly Boddy tweeted about the two new updates yesterday.

Why we care. Advertisers and brands should take notice of the new metrics available and utilize them however they see fit to measure performance for their own accounts.

The post Views per Session and Average Session Duration now available in GA4 appeared first on Search Engine Land.

Original source: https://searchengineland.com/views-per-session-and-average-session-duration-now-available-on-ga4-389882

St Andrew’s Day Special: Scottish Funding Round-Up

Reading Time: 2 mins

To celebrate St Andrew’s Day, we’d like to share with our Scottish friends a whole host of Scottish funding that is available, that they may not even be aware of.

This includes cost of living support, welfare funds and help with energy bills. It’s worth having a look at the list below to see if you or your family qualify for help:

Grants and support available

Money Available in Scotland

Disability Living Allowance for children in Scotland

Payment of Disability Living Allowance (DLA) for children in Scotland is transferring from the Department for Work and Pensions (DWP) to Social Security Scotland.

A new benefit called Child Disability Payment is replacing DLA for children in Scotland. There will be no change to the amount you are paid.

Children and young people in Scotland will continue to get Child Disability Payment until they are 18.

ILF SCOTLAND TRANSITION FUND

If you’re aged 15 to 25 with a disability or impairment you can apply to the Transition Fund for money to help you take part in a new activity or learn a skill.

To apply for the Transition Fund, you’ll need to apply to ILF Scotland.

Scottish Welfare Fund

The Scottish Welfare Fund helps families and people in Scotland who are on low incomes.

BEST START GRANT AND BEST START FOODS

Best Start Grant and Best Start Foods are payments that help towards the costs of being pregnant or looking after a child.

community

HEATING AND ENERGY HELP

This includes a range of different help. Including heating allowance, help with energy bills and housing allowance and payment. Take a look here.

Funding Scotland

Find funding for your charity, community group or social enterprise using our free online search engine. From small grants to funding for big capital projects, we can help you track down the funding you need to make a difference in your community.

Thistle Scotland say they are there for anyone living with a long-term health condition, disability or facing a challenging life situation.

Baby Box

Like in Scandinavia, all newborn babies in Scotland will be given a ‘Baby Box‘ of essential items, containing things like:

  • clothes, from newborn up to 6 months
  • a digital under arm thermometer
  • bath and room thermometer
  • a bath towel
  • a changing mat
  • books

The box also has a mattress, mattress protector and 2 fitted sheets.

 

More benefits for Scottish people and residents of Scotland here.

The post St Andrew’s Day Special: Scottish Funding Round-Up appeared first on MoneyMagpie.

Original source: https://www.moneymagpie.com/make-money/st-andrews-day-special-scottish-funding-round-up

Make money for Christmas: Christmas jobs are still available!

Reading Time: 8 mins

You can earn extra cash doing one of the many Christmas jobs still available this year.

You may associate Christmas jobs with the Post Office and high street stores bringing in extra workers during the holiday season, but online retailers need more staff too.

You can also work as a delivery driver, a bar worker or how about making money selling your stuff online?

Check out our guide below, it’s not too late to boost your income before the big day:

 

Be a postie or sorter with Royal Mail

Santa's hand holding letters

Unsurprisingly, Christmas is the busiest time for the Royal Mail. The flurry of cards and gifts has to be delivered – and on time. This means long queues in the post office at times but it’s also a sure sign they’ll need extra help in the run-up to the holidays. Perhaps that’s your Christmas job sorted!

If you look at the Royal Mail website here, you will find out exactly where they need the extra help. Do check before applying as you don’t want to be commuting to the other side of the country!

work in retail: get paid and get discounts

Christmas in retail often means killing two birds with one stone. That’s because working in shops over the festive period, you’ll not only get paid your hourly rate, but there’s a big chance for pretty good staff discount. Not a bad perspective, right? To help you narrow down your search in the retail world, here’re some of the big brands actively looking for seasonal help in store…

SUPERMARKETS

Assistant Retail Stock Assistant

Lots of supermarkets need what they call Festive Colleagues. These jobs can be really fun as you get to work in a team with people in a similar situation to yourself. There’s also all that Christmas spirit to soak up and as long as you can cope with Christmas tunes on repeat, you’re onto a winner!

Here are all the seasonal roles still available (at the time of writing):

Asda

Tesco

 Sainsbury’s

Morrisons (The website says they still have lots of vacancies)

 

John Lewis

John Lewis

John Lewis is recruiting for what they call ‘seasonal temporary Partners’ to work in their stores across the country in the run-up to Christmas.

Depending on what you’d like to do for you Christmas gig, you could apply for one of the two main roles:

  • Retail Selling Assistant
  • Retail Stock Assistant

If you’re successful, you’ll be offered a contract which may include weekend, morning or night work.

Around the busy Christmas time, you may be able to ramp up your hours – and earn even more money – particularly in the lead up to the holidays.

If that sounds like your cup of tea, you can get seasonal work at your local John Lewis store by signing up here.

 

Marks and Spencer

M&S Christmas Jobs Website Banner

M&S offers seasonal jobs every year and you can find out here what’s on offer and how to apply. You’ll find that the choice of work is huge and ranges from sales floor customer assistants to chefs, visual stylists and beauty customer assistants, or even warehouse operatives.

And you never know – your seasonal gig could even turn into a permanent career as it has done for some of the M&S employees. Oh, and did we mention there’s a 20% staff discount?

Boots

Make money for Christmas: Christmas jobs available now

Yet another big company on the lookout for seasonal staff is Boots. As a Christmas Customer Advisor you’ll be expected to work the tills, help customers find the perfect present and ensure the shelves are well-stocked. Take a look at the variety of Christmas jobs available on their website.

There’re various shifts to choose from and you’ll be provided with training too. Whether you are looking for full-time or part-time work, there is plenty to be done at Boots this Christmas!

Amazon

Amazon boxes on Christmas doorstep

Amazon is extremely busy in the run-up to Christmas and it needs a lot of extra people for distribution centres. Most of the roles available will be in the company’s warehouses and customer service centres across the country.

Grab a Christmas job at Amazon and earn from £10.50 per hour. You can choose from twenty one locations, you’ll receive training and if you do well, you might even be considered for a permanent job.

Click here to find out what Amazon jobs are available, select the vacancy you’re interested in and apply.

 

Deliver catalogues and brochures

Magazine/newspaper in letter box

Yet another potential Christmas gig. If you don’t mind getting out and about, there’s definitely money to be made delivering catalogues and brochures over the festive season.

The great thing about this sort of work is that you can do it in your own time. Perhaps run some deliveries before going into your other job or when you have a spare moment from preparing for Christmas.

If that’s something you’d like to pursue, check out websites such as:

And take a look at your local papers and newsagents for work opportunities.

One thing to note is that you should watch out for companies asking for cash deposits for the items you’re delivering. Avoid those because they’re likely to be scams.

Check out our article here which has a lot more information on how to get work delivering leaflets and catalogues in your area.

christmas Bar Work

Christmas bartender

Christmas isn’t only a busy time for the high street shops. Pubs and bars, for instance, often hire extra staff over holiday periods too. Why not checking for Christmas job opportunities at your local?

It can be a sociable job and if you’re willing to work on Christmas Eve, Boxing Day and New Year’s Eve, you can expect double the usual hourly rate. Apply now as these jobs tend to go pretty quickly, though.

Find out how to get bar work and restaurant work in our article here.

 

Promote clubs at christmas

Group dancing in a club wearing santa hats

Although it may sound too good to be true, you really can get paid to party. And Christmas is a busy party season.

Clubs in cities all over the country need more punters to come through their doors and spend money. Do you love clubbing, have lots of friends and boast good organisational skills? Then it may just be a Christmas job for you. The way it works is that you can make cash by bringing extra people through the doors and spending money at the bar. This is where being sociable and having a large network of people, both on social media and offline, will truly come in handy.

Admittedly, during the Christmas and New Year period, most clubs won’t need much help attracting customers. Still, they might need club promoters on quieter nights like Monday, Tuesday and Wednesday.

As the venues get busier, they’ll also need more doormen, bar staff and hosts and hostesses. Perhaps check with your local clubs now and find out what thy may be needing over the festive season so that you can be the first one they speak to.

For more tips, read our article here with info on how to make money by partying!

 

sell your stuff online

Now for some more home-based activities to help you make extra cash ahead of Christmas.

Start with selling. If you have a spare moment, why not upload all the things you don’t want to various online selling sites and use that money to buy presents. While it isn’t strictly a Christmas job, it’s a great way to make some money. You could even buy gifts on the same sites you’re selling your stuff. Very convenient!

Here on MoneyMagpie we have a whole section of our website dedicated to selling your stuff online. Just go to make money and then click on ‘sell your stuff’, you’ll be amazed at what you make money from!

 

ebay

ebay app on smartphone

For more ways to earn from home, try eBay. As you know, you can sell pretty much anything there. In fact, even if your items are broken or damaged, they might sell too. It’s very straightforward: simply prepare your things, upload photos, describe them well and let people bid.

Another great thing about eBay is that once you have made money selling your junk, you can then buy Christmas presents for less on the site.

More ways to make money at Christmas

 

make christmas hampers to sell

Christmas hamper

Hampers make for a thoughtful gift everyone loves but they can be pretty expensive.

That’s actually good news for you. If you’re creative, you could make hampers and sell them at car boot sales, markets and even through local independent shops. It’s something you can easily do in your spare time at home. Perhaps you could even get your kids involved in getting the hampers ready?

To help you out, we’ve put together a detailed guide including information and links to products in our article on how to make hampers to sell.

So, let your imagination run wild and make hampers using boxes, pots and even watering cans. Perhaps have a look around your house and you might find other creative containers.

So long as you know how to make things look pretty, you can use things such as:

  • cosmetics and foods from pound shops
  • home-made cakes and sweets
  • artisan oils, spices and vinegars
  • home-made cosmetics and toiletries (learn how to make them here)
  • anything else that looks cool!

Get creative and whatever doesn’t sell, you can recycle as presents for your friends and family.

find a job near you now

Need more options? Use the MoneyMagpie job tool, powered by ZipRecruiter, to find seasonal work near you now.

To find work near you, simply put your area into the box and see what jobs it comes up with.

var options = {
jobs_per_page : 10,
container : “zipsearch_container”,
alerts_api_key : ‘3dj69n899qb2wampkq5cuv5m7rv5s58k’,
search : “christmas”,
save_state : 0
};
zipsearch.init(options);

 

what are you doing to make money for christmas?

Christmas is known as a time you tend to spend more cash than usual but with a Christmas job sorted, you might just balance things out. So, make the most out of the festive season. Perhaps think of it as a great opportunity to bag yourself a great job so you really can have a merry Christmas and a happy new year.

Let us know in the comments below if you have come up with your own ideas for this season!

 

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The post Make money for Christmas: Christmas jobs are still available! appeared first on MoneyMagpie.

Original source: https://www.moneymagpie.com/make-money/make-money-for-christmas-christmas-jobs-available-now