Burns Night on a Budget

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Burns Night is a celebration of the Scottish poet Robert Burns. It is a tradition in Scotland on the 25th of January each year to attend or host a ‘Burns Supper’. The supper usually consists of haggis, neeps (swedes) and tatties (potatoes) which is accompanied by whisky; and there are toasts and poems to be read out across the course of the evening. Don’t worry if you’re not Scottish, hosting a Burns Supper is a great idea if you are looking to stay in more this January but still have fun, and it is easy to do it on a budget if you follow our simple tips.

  1. Buy several smaller haggises– if you are having a few people round to celebrate then a good idea is to buy several smaller haggises from a supermarket rather than a large one from a specialty butchers.

   2.  Cheaper vegetables– Don’t get fooled by the ready chopped and prepared vegetable sets, instead go to Lidl or a local green grocer to get loose vegetables, try to work out how much you will need per person so you don’t over-buy by too much. Don’t forget ‘neeps’ and ‘tatties’.

3. Hot toddy– It is traditional to serve whisky but you can make a cheaper twist on this by making pitchers of hot toddy with a cheaper whisky, all you need to add is honey, lemon and water. Here is a simple recipe.

4. Free entertainment– the timetable for the evening and the poems and toasts you need to read out are all available for free online, why not just bring them up on your tablet computer to pass around? You can also access lots of free traditional Scottish music on YouTube or on a music streaming service like Spotify if you already subscribe.

  5. Dessert– A money saving idea is to ask your guests to bring along a dessert each and lay them out at the end so that everyone can help themselves to a bit of what they like; you can also ask any guests who are particular about their whisky to bring along their favourite one to share.

The top 5 money saving gurus for millennials

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You know the feeling, pay day is coming up and you realise that you are down to your last few pennies again; you said this month would be different but you couldn’t help getting those concert tickets, and you just had to celebrate your bestie’s birthday!
What you want to do is make little savings everyday so that at the end of the month you have a nice little stash to either save or spend, but how to go about it?
We don’t just want advice, we want tried and tested methods, and that’s why we have put together a round-up of the best money saving millennial gurus, so you don’t just have to take our word for it!

Holly Smith aka Holly Vlogs

Over the last 4 years Holly has built quite a following on her YouTube channel for being a coupon queen and prides herself on searching out all the best money saving deals, hints and tips so that her followers don’t have to. Her videos take you through what deals are available, where to go for the best ones and even what to say and do at the check-out if your valid coupon isn’t being accepted.

Jenni Hill aka Can’t Swing a Cat

Jenni is a millennial financial blogger who won’t tell you all the things you can’t do to save money. She prides herself on money saving tips while still making sure you can enjoy your day to day life and not deny yourself enjoyment. The main thrust of her blog is trying to save for a house deposit in youer twenties, so check out her advice on what pitfalls to avoid about her journey so far.

Charlotte Burns aka Lotty Earns

Charlotte or ‘Lotty’ as she is known on her site, experienced the millennial struggle of graduating slap bang in the middle of the recession and finding out that a university degree wasn’t the ticket to long term employment it had once been. After falling on hard times she got obsessed with searching out on and offline deals for getting discounts and saving money and she has compiled it all on her website so that you can log on and see the deals she has already hunted down. With tips for travel, going out, restaurants and debt advice, there is something for all parts of millennial life!

Maggie aka The Millennial Menu

By now we have all heard the one about ‘millennials spend all their money on sandwiches and avocados’ but as eating is something we do all the time, it is definitely a place to look and see if you can save a few pennies. But we’re not suggesting you have baked beans and plain pasta for every meal, Maggie from the blog ‘The Millennial Menu’ focuses on simple affordable recipes that you can whip up quickly. She even has hints and tips to make your money go further and which kitchen items are the best value.

Emma Drew

Emma is a money saving blogger with a twist; she also gives out advice on how you can also make money from blogging! She is the queen of online money making, so her blog is packed with tips about apps that earn you extra cash, guides to selling adverts on your website as well as advice on money saving and budgeting. She has grown her blog into a full time job, so the proof of her methods are there. Read Emma’s blog if you aren’t just interested in saving money, but also making some extra money on top of your current earnings.

Remember Paym is the simple way to send money to your friends and family using just their mobile number; find it in your banking app. www.paym.co.uk

5 Money Saving Tips for 2018

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Christmas is over for another year, time to clear up the wrapping paper, finish the last of the turkey leftovers and pack away those socks you’re sure your brother re-gifted to you from last year! One problem, January is a looooong month and you’ve got to make your money go further because you can’t turn down every party invite to stay in watching Netflix.

But don’t panic, if one of your new year’s resolutions is to become more money savvy and to start saving on the side then these five tips are for you:

Budget Planner App

This one might be an oldie but it’s still a goodie, working out a budget is the best way to keep track of all of your incomings and outgoings. See where your money is going each month and actively decide which spending you may be able to cut down or avoid at all, for example that second Starbucks Latte today. And the best thing about it is; No bad surprises at the end of the month.

The most popular apps to check out: Fudget: budget planner, Money Monitor and Goodbudget Budget Planner.


Getting money back when you spend? Count us in!

If you didn’t know about this, allow us to let you into a secret: You can get cashback on almost anything now! This means you can literally get money back when you are purchasing items you would be buying online anyway, just by simply making an extra click through one of the many cashback websites.

Don’t make purchases without checking cashback options. Websites such as www.topcashback.co.uk or www.quidco.com will guide you on how to get some money back with your purchases. Cha-ching!


Get rid of your debts

Saving money is good, but being debt-free is even better. Credit cards can be a blessing and a curse at the same time. Unfortunately, if they are used without proper thought and planning you can end up racking up the interest and this can result in high repayments, and you do not want that. This can be a vicious cycle that is hard to get out of and might follow you for a while, and who likes a stalker.

Make sure you clear as many of your debts as you can, before you start saving. This may just be money that you owe to friends and family. They might not charge you interest, however, it can still cause unnecessary stress. The easiest way is to pay them back is using Paym. Quick, easy and debt-free.

Start saving

Debt free? Now you can start putting some money aside each month with much more ease.

In an ideal world, it is recommended to save one-third of your income (yeah, right!); we know that isn’t always possible, but every little bit counts. Check the bank accounts that will reward your money the most and start saving. Use it as a savings account only.


Yes, that’s a thing! Before buying anything, you should ask yourself these questions:

Do I need it? If you already have a similar pair of ASOS boots, the answer is most probably no. And if the answer is ‘no’, you know what to do (or not to do).
Can I afford it? If that is also a ‘no, don’t even dare thinking about purchasing
Can I get it cheaper anywhere else? If you have answered both of the questions above with a ‘yes’, check online if you can find a more reasonable price. (and don’t forget cashback!)


8 Food Delivery Apps to help you Hibernate through the Winter

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It’s cold outside and you’ve got several hungry friends turning up in 30 minutes… draw up that duvet and relax. Our recommended food delivery apps will help you get through these cold winter months AND win brownie points with your mates.

Just Eat (UK wide)

Not for the indecisive, Just Eat is the ‘UK’s leader in food delivery with over 20000+ restaurant menus…’


Quiqup (London/Manchester)

Feeling especially lazy? Quiqup claims to ‘pickup and drop whatever you need, on-demand’. As long as it’s in London or Manchester.


Deliveroo (UK wide)

Serving customers across the world, Deliveroo allows you to eat top quality food from the best restaurants in the comfort of your own home.


Hungryhouse (UK wide)

Just Eat’s nemesis, the hungryhouse app allows you to order food for takeaway or delivery from more than 10,000 restaurants, all over the UK.


UberEATS (UK wide)

UberEats delivers restaurant quality food locally across the UK until midnight, seven days a week. There’s no minimum order – good for those of you who just fancy a nibble.


Amazon Restaurants (London)

New kid on the block, Amazon Restaurants was set up in 2016 to deliver super-fast food, specifically for Amazon Prime members.


FEAST (London)

London’s late night food delivery service, FEAST, promises to deliver food from the best 24 hour restaurants through the night.


Henchman (London)

If you’re looking for something a little more exclusive, Henchman is London’s luxury concierge app. No riff raff please! The service is available to invited members only.


DON’T’ FORGET! If you’re not eating alone, make sure you’ve registered your mobile number with your bank and/or building society to enable fellow hibernators to pay for their share via Paym.



7 Money Saving Tips for Christmas Shopping

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It’s the most wonderful time of the year full of fun, festivities and of course Bublè!

But let’s be honest, while it might look perfect in all those festive films, Christmas can actually be a massive stress and put a serious dent in your bank account. If you haven’t started your Christmas shopping yet (and let’s face it who has? It’s not even December yet), you’re probably still trying to figure out how you can make sure those last few pay cheques cover everything.

Well, do not fear, we’ve put together seven money saving tips for your Christmas shopping that will leave you feeling flush this festive season. After all, you need to make sure you’ve got some money left for the New Year’s celebrations!

1. Make a list (and check it twice)

Lists just make everything better, especially when it comes to shopping, and apps such as “Manage Christmas – Christmas Gift List Manager” can be a Godsend.

The app helps you to create lists for your Christmas shopping by adding all the things you are planning to buy for everyone, adding a budget and ticking off the items as you go, as well keeping track of the all-important money. No more getting overwhelmed and panic buying presents you don’t need.

2. Partner up!

Maybe your mum really liked that handbag she (not so subtly) pointed out while you were shopping the other day, but it’s a teeny bit outside of your budget. Well, don’t just settle for something second best, why not partner up with someone in the family, and split the cost? That way you can put a smile on mum’s face on Christmas morning, and you won’t be completely out of pocket. And to make sure they pay you back straight away let them know about Paym, so there are no awkward conversations around the Christmas dinner table. Further details on Paym can be found here: www.paym.co.uk/

3. DIY

You might be a bit past the age of giving your parents a painting (complete with some dried pasta detailing) to proudly stick to their fridge for Christmas. However, there are some handmade gifts that can be really thoughtful and personable, and also save you money. So dig out the glue gun and scissors and check out some of the best inspirations on Pinterest.  www.pinterest.co.uk/explore/diy-christmas-gifts/?lp=true

4. Black Friday

Black Friday is seen as the official beginning of the Christmas shopping season. But more importantly, it can help you save shed loads of money. Black Friday is on the 24th of November this year, giving you plenty of time to get your gifts before the big day. Understandably, you won’t be the only one venturing to the shops on the day, so it might get quite cosy in the shops with large crowds trying to grab the best offers, so get your elbows at the ready! But for those of you who never go shopping in real life anymore, there are 100s and 100s of deals to be found online. So get your laptop ready, grab a cuppa, get comfy and snap up some absolute steals from the comfort of your own home. You can even make a watch list on sites like Amazon beforehand on www.amazon.com/Black-Friday/, for items you know you want to try and grab.

5. Voucher Codes

There are always secret voucher codes waiting to be found that could save you 5% – 20% off your online purchases, you just need to know where to look. So do your research before ordering online and look at what’s available (we know this isn’t the most exciting task but think about the savings!). Or you can subscribe to voucher code sites, such as www.vouchercodes.co.uk and www.hotukdeals.com/vouchers, and receive regular updates with all of the latest deals.

6. Secret Santa

Save money and have fun at the same time by getting your friends together to do Secret Santa. Set a budget and buy one present for the person you picked out of the hat, and make a pact to not go over the limit. This way, instead of buying a present for everyone in your group you only have to buy one, and the element of mystery adds to the fun. Plus you’ll look super organised for sorting it out. If you can’t all get together in real life for the big name draw you can use websites such as this one to do it virtually www.drawnames.co.uk/secret-santa-generator

7. Give Charity Gifts

As hard as try you can never be 100% sure that you will hit the nail on the head with the gifts you have chosen, so instead of wasting your money why not play it safe AND do some good! Consider charity gifts. Take the amount that you would have spent on a physical present and donate to a charity, in the name of your friend/family member. Pay it forward this festive season. Choose your charity here: https://www.presentaid.org/

Brits Leave Cash Behind – UK adults only carry £22 in their wallets

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Is “sorry, I don’t have much cash on me” a familiar phrase when you’re owed money by friends and family? It seems to be a nationwide problem as Brits admit to only carrying £22 in cash at any one time, according to new research from Paym, the UK’s mobile payments service.

The study also reveals a shortfall between the amount of cash people carry on them and a typical IOU. With the average Paym transaction standing at £52, there is a discrepancy of £30 – £1.5bn* in total across the UK – between the average amount of cash carried by Brits, and the amount they actually need to pay people back.

Across the UK, Belfast residents tend to have the bulkiest wallets, with the research showing people in the city having on average £30. At the other end of the scale, Nottingham residents have been quickest to lighten the load in their wallet, keeping only £16 in their pockets.

High Cash Carrying Cities                                                  Low Cash Carrying Cities

City Average Amount City Average Amount
Belfast £30.19 Nottingham £16.54
London £25.41 Glasgow £18.99
Liverpool £25.37 Bristol £19.43
Sheffield £25.30 Manchester £19.63
Newcastle £23.95 Cardiff £20.22


Craig Tillotson, Executive Chairman of Paym, said:

“Cash is no longer king when it comes to paying back IOUs. As people carry smaller amounts of cash on them, chasing down money owed can quickly become a hassle. Paym allows you to send payments of up to £250 per day directly to friends and family’s bank accounts using just their mobile number, making cumbersome IOU repayments a thing of the past.”

To find out what really is going on in the nation’s wallets, Paym street teams will be heading to five UK cities to invite members of the public to take part in the ‘Change Challenge.’ By taking part in the challenge, contestants will have the chance to win £250 per city.


The Paym ‘Change Challenge’ is coming to city near you: 

Location Date
London – Golden Square 17th – 18th  September
Bristol – Broadmeads and Cabot Circus 15th – 18th  September
Manchester – Arndale Shopping centre,
Piccadilly Gardens and Piccadilly Square
22nd – 25th  September
Edinburgh – Old town, Waverley Walk
shopping centre and Princess St
22nd – 25th  September
Belfast – Victoria Shopping Centre
and Castle Court
29th September – 2nd October


For further information please contact:
Paym Press Office – 020 3217 8441, press@paym.org.uk / @paymnow

Notes to Editors:
About the research:
2,005 adults aged 18+ were surveyed from 19th to 21st July 2016 as part of an Omnibus survey conducted by Opinium for this story.

* = £1.5bn based on average discrepancy of £30 multiplied by the UK’s adult (18+) population, 50,909,098 (ONS).

About the Paym Change Challenge:
Paym street teams will be in five UK cities to challenge people on how much money they think their city carries with them in cash on average. Open to UK residents 18 and over. Only one entry is permitted per person. There are 6 prizes of £250 available to win (one per city with the exception of London where two prizes are available). The winner from each city will be the person who gets the most likes on their Change Challenge photo when shared on Facebook. Visit this page for the full terms and conditions.