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Sensible Spender

Real Money Advice for Everyday Spending

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logo

Sensible Spender

Real Money Advice for Everyday Spending

  • Home
  • Personal Finance
    • Credit Cards
    • Personal Finance Basics
  • Cashback & Loyalty
    • Cashback Apps and Sites
    • Coffee Loyalty Schemes
    • Supermarket Loyalty Cards
    • Hotel Schemes
  • Spending Habits
    • Articles
    • The Sensible Basket: UK Monthly Price Tracker
  • Financial Calculators
    • Coffee Cost Calculator
    • Compound Interest
    • Savings Goal Calculator
    • Subscription Calculator
  • About
  • Contact
  • Privacy Policy

personal finance UK

British pound coins and notes, illustrating the 1p savings challenge
  • Articles
  • Saving

I Tried the 1p Savings Challenge. Here’s Why I Switched to a Standing Order Instead

Jonathan18 June 202612 June 202605 mins

I worked out what actually happens with the 1p Savings Challenge, why it falls apart in December, and why I ended up using a standing order instead. Plus, what would really happen if you doubled a penny every day for a year.

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Upward trend of coins illustrating this month's Sensible Basket results
  • Cost of Living Tracker

The Sensible Basket: June 2026 Results

Jonathan7 June 202613 June 202603 mins

The June results are in for the Sensible Basket. The total is up 37p on May and if I’m honest I wasn’t expecting a rise quite this quickly.

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Big Mac in its box, the subject of the Big Mac Test inflation comparison
  • Articles
  • Spending Habits

The Big Mac Test: What a £1.50 Burger Tells Us About 35 Years of Inflation

Jonathan26 May 202613 June 202606 mins

A Big Mac cost around £1.50 in 1990. If it had only risen with inflation, it would cost £3.75 today. So why are we paying £4.99? I did the maths.

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Quidco cashback site logo, featured in this Quidco review
  • Cashback and Loyalty
  • Cashback Apps

Quidco Review: Is It Worth Using for Cashback in 2026? (My 10-Year Experience)

Jonathan23 May 202613 June 202607 mins

I’ve been using Quidco since 2015 and earned over £2,700 in cashback. Here’s my honest review of how it works, the pitfalls to watch out for, and whether it’s worth your time.

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Close-up of ground coffee, used to illustrate the coffee cost calculator
  • Calculators
  • Spending Habits

I Built a Coffee Cost Calculator. Here’s Why.

Jonathan20 May 202613 June 202604 mins

I’ve always been curious how much that daily coffee habit really adds up to — and what I could do with the money if I cut back. So I built a calculator to find out.

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Wooden letter tiles spelling SUBSCRIBE, representing spending on subscriptions
  • Spending Habits

How Much Are You Really Spending on Subscriptions? (It’s Probably More Than You Think)

Jonathan17 May 202613 June 202605 mins

Most of us have no idea what our subscriptions are actually costing us every month. Here’s how to get a proper handle on it, and a free calculator to add it all up for you.

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Contactless credit card payment at a store terminal, credit cards explained
  • Credit Cards

Credit Cards Explained: Getting the Basics Right

Jonathan7 April 202613 June 202615 mins

Credit cards can offer real flexibility, purchase protection and even rewards, but used badly, they’re an expensive habit. Here’s a plain-English guide to how they actually work.

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Jonathan

Hi, I’m Jonathan, a Scottish-based personal finance blogger with an obsession for making every pound work harder. My interest in this space started years ago when cashback sites first launched. Discovering that you could get the exact same product for less, just by being a little more deliberate about where and how you spent, genuinely changed how I approached money. That moment sparked an ongoing drive to find smarter ways to save without sacrificing quality or convenience.

💰 Cashback Savings

Quidco ↗ £2,788.02
TopCashback £495.72
Everup ↗ £73.23
Total saved £3,356.97

As at 22/05/2026

Links above are affiliate links. If you sign up via one of them, I may receive a small payment at no extra cost to you. I only link to services I personally use.

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I Tried the 1p Savings Challenge. Here’s Why I Switched to a Standing Order Instead

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Vaping Just Overtook Smoking in the UK for the First Time. So I Did the Maths on What That Actually Means

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Cycle to Work Scheme in Scotland: What You Actually Save by Tax Band

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Don’t Cry Over Spilt Milk (Or Pay Coffee Shop Prices For It)

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The Cash ISA Cliff Edge: Why Under-65s Have Until April 2027

  • Investing
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The Sensible Basket: June 2026 Results

  • Cost of Living Tracker
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The Big Mac Test: What a £1.50 Burger Tells Us About 35 Years of Inflation

  • Articles
  • Spending Habits
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I’ve Started My Own Cost of Living Tracker. Here’s Why.

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Important
Sensible Spender is an independent personal finance blog. Content is for informational and educational purposes only and does not constitute financial advice. Always seek independent financial advice before making any financial decisions.