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06/11/2026

That’s a wrap on ✨

If you did one small thing this week, it counts. Maybe you had a chat, opened an envelope, checked a subscription or just admitted that money stresses you out.

Feeling in control of your money doesn’t come from one big overhaul. It comes from small, kind steps, repeated.

🎯 Your last challenge: pick ONE money habit to carry into the rest of November and tell someone about it, so you stick with it.

Thanks for talking money with us this week. Let’s keep the conversation going all year, not just this week. 💬

05/11/2026

💭Thursday Thoughts💭

Bonfire Night 🎆, but money talk at home doesn’t need to be explosive.

Talking about money with a partner, parent, or your kids can feel awkward. Try these:

✅ Pick a calm moment, not right after a big bill lands
✅ Start with feelings, not figures. “I’ve been feeling a bit worried about…”
✅ Listen without judging
✅ Agree on one small next step together

With children, talk to them about money from a young age. The everyday conversations you have now shape how confident they’ll feel about money later.

What’s the hardest money conversation you’ve had? 👇

04/11/2026

Lying awake doing sums at 2am? You’re not alone. 🌙

Money worries and mental health are closely linked. Money stress can affect your sleep, your relationships, and your focus at work. Feeling low or anxious can also make it harder to deal with money.

If you’ve been avoiding your bank app or leaving the brown envelopes unopened, that isn’t laziness. It’s a very human stress response.

💛 Today’s small action: open one thing you’ve been avoiding. Just one. Then be kind to yourself about whatever it says.

If you’re struggling, talk to us. Asking for help is a strength, not a failure.

03/11/2026

Why do you spend, save or avoid money the way you do? 🤔

Most of our money habits started long before our first payslip. Did your family argue about money at home? Was it never mentioned? Was there always “not enough”?

That’s your money story, and it still shapes how you feel about money today.

✍️ Today’s small action: finish this sentence. “Growing up, money felt…”

Knowing where your feelings come from is the first step to changing them.

02/11/2026

It’s 💬

Here’s something we don’t say enough: money is emotional.

It can bring up shame, worry and guilt, and sometimes pride or relief. A lot of us were brought up to think talking about money is “not the done thing”, so we keep those feelings to ourselves.

This week we’re asking you to break that silence, even a little. Tell a friend, partner or colleague one honest thing about how money makes you feel.

You don’t need to have it all figured out.

👇 One word to describe how money makes you feel right now? Drop it in the comments.

30/10/2026

🚨The Money365 Roadshow will be at the North Bransholme Community Shop next week.

📣 Money365 Roadshow 📣
📆 Monday 2nd November, 10am to 12pm
📍 North Bransholme Community Shop, Lothian Way, Hull HU7 5DD

Drop in, no appointment needed. Completely free.
On the day, we can help with:

- Maximising your income
- Budget planning
- Free mobile SIM cards
- Debt review
- And more

If money is a worry right now, come and talk to us. No forms, no fuss. Just a friendly conversation with people who want to help.

📞 01482 427654 🌐 money365.uk

29/10/2026

💭 💭

How does a Budget really affect you? 💼

Yesterday’s Budget was packed with big numbers, billions and percentage points. But really, most of us want to know: will it make life better for me?

The real answer depends on what you choose to do next.

A £100 energy payment won’t make much difference if you spend it on everyday things. But if you use it for a winter bill or put it in an emergency fund, it can help more. A pay rise in April is great, but it’s only really helpful if you put it to good use instead of letting extra spending swallow it up.

The Budget sets the rules, but you’re still in charge of your money.

So here’s something to think about this week: 👇
Choose one change from the Budget and decide now how you’ll use it.

✅ The £100 energy payment: use it for your winter bills or save it for when you need it
✅ The April pay rise: try saving a bit of it before you get used to the extra money
✅ The £20k cash ISA limit is staying: if you’ve wanted to start saving, now’s a good time

You can’t control what happens in Westminster, but you can decide what to do with the money you get. 💷

💬 What’s one money goal you want to set before the new year? Share it in the comments.

28/10/2026

💷 Budget 2026: what it means for you in Hull

Chancellor John Healey delivered his first Budget today. Here’s what matters most for households across Hull 👇

⚡ £100 off energy this winter. Homes in council tax bands A–D get a £100 Household Energy Payment, paid straight into your bank account. Most Hull homes are in these bands, so many residents should receive it.

💡 Cheaper electricity for longer. The VAT cut on electricity runs until July 2027, saving about £50 on the annual price cap.

🔥 Gas standing charges scrapped. Ofgem will be asked to remove them from 2027, or as soon as possible after. The Treasury reckons around 60% of households could save about £45 a year on average.

⛽ Fuel duty cut extended. The 5p cut stays until July 2027, helping commuters, tradespeople, and anyone who needs their car for work.

👷 Pay rise for the lowest paid. From April 2027, the National Living Wage (21+) goes up 3.9% to £13.21 an hour. The rate for 18–20s rises to £11.27.

❤️ Fairer rules for carers. The Carer’s Allowance “cliff edge” is going. If you earn over the limit, your allowance will now come down gradually instead of stopping all at once.

👵 Pensioners protected. If the State Pension is your only income, you won’t pay income tax on it.

🏦 Savers. The £20,000 cash ISA limit is staying. A new “Starter ISA” for first-time investors is coming. Tax on savings and property income is rising by another 2 percentage points, so landlords and people with large savings outside an ISA should check how it affects them.

🗺️ More power locally. From 2028, mayors will keep a share of the income tax and business rates raised in their area. That could mean more decisions about Hull and East Yorkshire are made here rather than in Westminster.

Most of these changes don’t happen straight away, so check the start dates before you plan around them. We’ll share more detail as we digest the full Budget documents.

💬 Which change makes the biggest difference to you? Let us know in the comments.

28/10/2026

Today is Budget day 💼

Are you wondering how the Budget might affect your benefits, energy bills, council tax, or the cost of living? We are too. We'll wait for the official announcements before sharing more, since the details are important.

If you're feeling worried about money, you're not alone. There's nothing to be ashamed of.

A helpful step for today: gather your bills and letters into one folder. This will make your first conversation with an adviser much easier.

If you're struggling with debt, our local advisers can offer free, friendly, face-to-face help.

You can call 01482 427654 or visit money365.uk (link in bio).

Once we confirm the details, we'll share what the Budget could mean for Hull households.

22/10/2026

💭 Thursday Thoughts 💭

0% Credit Card Offers 💳

Martin Lewis has warned that if you've got credit or store card debt, the deals to cut the cost "are about to get worse. So acting sooner is safer."

He believes interest rates may rise. If they do, 0% deals could get shorter, fees may rise, and fewer people may qualify for the best offers. This is his prediction, not a confirmed outcome.

At Money365, we recommend avoiding credit cards when possible.

The main reasons to use a credit card are for additional protection, such as Section 75, and for perks. This is only advisable if you pay the balance in full each month and don't carry a balance.

0% and balance transfer deals may benefit some people, but they carry risks and won't eliminate debt.

If you are concerned, please do not rush into borrowing. Take time to consider your options.

If your debts feel overwhelming, please contact us. Our support is free and confidential. ☎ Call 01482 427654 or 🌐visit money365.uk.

Have you used a 0% deal? Did it help or cause challenges? Share your experience below.👇

Source: WalesOnline, 16 Oct 2026

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