Raise a Glass (of Cider) to Our New Year Resolutions; ON New Year's Eve, the Mail on Sunday's Personal Finance Team Did an Obligatory Team Hug and Came Up with Their Financial Resolutions for the Year. Here They Are - Everything from Switching Bank Accounts to Getting Rich on Homemade Cider. Happy New Year to You all.From Sorting out Savings to Switching Current Accounts, Our Team Set Their Goals for 2016

The Mail on Sunday (London, England), January 3, 2016 | Go to article overview

Raise a Glass (of Cider) to Our New Year Resolutions; ON New Year's Eve, the Mail on Sunday's Personal Finance Team Did an Obligatory Team Hug and Came Up with Their Financial Resolutions for the Year. Here They Are - Everything from Switching Bank Accounts to Getting Rich on Homemade Cider. Happy New Year to You all.From Sorting out Savings to Switching Current Accounts, Our Team Set Their Goals for 2016


TOBY WALNE MAKE CIDER A HEALTHY drink problem is a condition I have nursed for many years - partly fuelled by my love of homebrew.

Modern beer kits come in a rich range of varieties - my favourites being Indian pale ales. With a little patience and a good dose of luck, I can produce a fine tipple that costs me less than 50p a pint and guarantees a good night's sleep.

My love of homebrew is in no small part fuelled by the close proximity of the May & Brett store in Great Dunmow, Essex.

Whenever I visit (which is too often), it is like being transported back in time to an episode of BBC sitcom Open All Hours starring the wonderful pairing of Ronnie Barker and David Jason.

The big difference is that at May & Brett, master brewer Julian May is on hand to help me spend my money - rather than the penny-pinching Arkwright.

Having tooled up with all manner of alcohol-making contraptions in recent years - everything from brew belts to telescopic syphons - a shiny aluminium and stainless steel invention in the shop window caught my eye just before Christmas.

I was looking at a PS100 fruit press that would help turn all those windfall apples I had seen in my neighbourhood into a refreshing drink. Over the Christmas period I have spent time with the family slicing, pulping and crushing a barrel of apples - resulting in 20 pints of apple juice.

By next summer, I will know if my quest to make potent homemade cider has succeeded - or failed. Time to register Walne Ciders Ltd at Companies House.

SALLY HAMILTON REORGANISE MY SAVINGS OVER the past decade I have built a decent pot of savings with Nationwide Building Society. But it has not been given enough love. This year, I aim to put that right.

I rang Nationwide last week to get details of the interest I am earning on my savings - I couldn't find this information on its website because my accounts are quite old.

I found my cash Isa earns a paltry 0.5 per cent while money in my easy access 'loyalty saver' account earns 1.2 per cent. Surely I can do better? Anna Bowes, savings whizz at the website SavingsChampion, says I definitely can. She says: 'The loyalty saver deal isn't too bad but you could instead put the money into RCI Bank's easy access Freedom account paying 1.65 per cent.' My only reservation is that the bank is French and my money will not be covered by the UK's Financial Services Compensation Scheme if the bank were to go bust. The scheme promises to refund savings of up to PS75,000 held with one UK provider within seven days of it going in to liquidation.

Bowes says this should not worry me too much as the French bank is part of a similar scheme that covers savings up to [euro]100,000 - currently the equivalent of about PS74,000. But for peace of mind she suggests an online account with British challenger bank Virgin Money at 1.41 per cent (Defined Access e-saver Issue 4).

Bowes also recommends Premium Bonds from National Savings. …

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Raise a Glass (of Cider) to Our New Year Resolutions; ON New Year's Eve, the Mail on Sunday's Personal Finance Team Did an Obligatory Team Hug and Came Up with Their Financial Resolutions for the Year. Here They Are - Everything from Switching Bank Accounts to Getting Rich on Homemade Cider. Happy New Year to You all.From Sorting out Savings to Switching Current Accounts, Our Team Set Their Goals for 2016
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