Switching things up slightly from this month going forwards, nothing major, don't worry. I'm just swapping around the finance and non-finance update. Over the past couple of years, as my numbers have compounded the numbers have mattered less and the lifestyle has risen to a priority. 2 months off work, again! Regular readers will know that I took 8 weeks Unpaid Parental Leave in 2025, taking off pretty much all of the school holidays to spend time with my kids. In January I've submitted the same again, and just had it approved (not that they can't not approve it, they can delay it under extreme circumstances but can't turn it down outright - see more in a previous post of mine here ). Lots of plans this year, so far we have booked a 2 week driving holiday in the French Alps, a long weekend in Salzburg, a biking holiday and Efterling in the Netherlands as well as a few days in Wales and the Peak District. Snowy Scarborough We had a night booked in Scarborough right a...
Cashback credit cards are a great way of earning a little back on your everyday spend.
Historically I have used the Natwest Rewards Credit Card which offers:
- 1% in Rewards on your supermarket spend
- Earn 0.5% everywhere else you shop, including supermarket petrol stations
The 0.5% has recently been lowered to 0.25% which has prompted me to look further afield for a good card to use for my regular spending.
Enter American Express!
Currently, Amex have a couple of cards on offer which offer a healthy amount of cashback, especially in the first few months of taking the card out.
Below I explore which one is the best depending on your normal spending
If you wanted to go ahead with either of these, then you can get an extra £10 if you use the referral link here: http://amex.co.uk/refer/cHRISSrmQQ?XL=MNANS
Platinum Cashback Everyday Credit Card:
-Fee free
-Spend £0 to £5,000 and receive 0.5% cashback on purchases
-Spend over £5,000 and receive 1% cashback on purchases
Platinum Cashback Credit Card:
-Annual Fee £25
-Spend £0 to £10,000 and receive 1% cashback on purchases
-Spend over £10,000 and receive 1.25% cashback on purchases
From my calculations it seems that 9k spend per year is the point that Platinum becomes better than Platinum Everyday.
Personally, I've had the card since the end of January and the below chart shows my current process on the first 3 months spend. As you can see I am bang on target to hit the maximum amount allowed under 5% cashback.
If I am falling short towards the end then I will just bring some spending forward slightly, like fill up the cars or buy some toilet roll etc.
Again, if you wanted to go ahead with either of these, then you can get an extra £10 if you use the referral link here: http://amex.co.uk/refer/cHRISSrmQQ?XL=MNANS
Historically I have used the Natwest Rewards Credit Card which offers:
- 1% in Rewards on your supermarket spend
- Earn 0.5% everywhere else you shop, including supermarket petrol stations
The 0.5% has recently been lowered to 0.25% which has prompted me to look further afield for a good card to use for my regular spending.
Enter American Express!
Currently, Amex have a couple of cards on offer which offer a healthy amount of cashback, especially in the first few months of taking the card out.
Below I explore which one is the best depending on your normal spending
If you wanted to go ahead with either of these, then you can get an extra £10 if you use the referral link here: http://amex.co.uk/refer/cHRISSrmQQ?XL=MNANS
Platinum Cashback Everyday Credit Card:
-Spend £0 to £5,000 and receive 0.5% cashback on purchases
-Spend over £5,000 and receive 1% cashback on purchases
Platinum Cashback Credit Card:
-Annual Fee £25
-Spend over £10,000 and receive 1.25% cashback on purchases
From my calculations it seems that 9k spend per year is the point that Platinum becomes better than Platinum Everyday.
If I am falling short towards the end then I will just bring some spending forward slightly, like fill up the cars or buy some toilet roll etc.
Again, if you wanted to go ahead with either of these, then you can get an extra £10 if you use the referral link here: http://amex.co.uk/refer/cHRISSrmQQ?XL=MNANS
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