So, the festive period is boxed away and we’re embarking on another year. There’s lots of bad we could talk about, but here at Monese we’re using the reset as a chance to get wise with our money management. Let’s make this year’s goals a reality, whether it’s saving for something special or finally feeling confident with our finances, we’ll get there by kicking off the year with #dryspendjan. 

### __Buddy up with your budget __
Our budgeting feature is your new best friend. If you don’t get your Monese salary paid into your account (find out how to do that here!), then deduct all your direct debits and known outgoings before moving the rest to your Monese account. Now you’ve got your disposable income and you can set a budget on each spending category with live transaction alerts.

We let you know when you’re at 80% of your budget, as well as a notification for when you’ve overspent, so you’ll know for sure that unfortunately buying lunch out multiple days this week is not viable at this moment in time…At the end of January, you’ll see your spending habits and can adjust your budget accordingly for Feb. 

### __Believe second(hand) is the best__
Don’t just think of charity shops for clothes - although a great place to start if you’ve realised a raincoat should have been on the Christmas list! If you need to buy presents this month, they’re brilliant treasure troves to discover homeware or vintage books and records. A unique gift for someone else that saves you money, donates to charity *and* avoids buying new -what’s not to love?

Consider holding a clothes swap party with friends too. It clears those unworn and unloved clothes in return for clothing that’s new to you, without relying on the fast fashion cycle. 

### __Food for less__
Shake up the way you food shop. Maybe not the sentence ending you were expecting, but just making a couple of changes could help you keep spending to a minimum. Plan your meals using online recipes, stick to a shopping list and don’t turn your nose up at the reduced section. Make a cheat code for yourself by buying easy meals to make when you can feel the takeaway temptation beckoning. 

### __Top the Pots__
Hopefully you’re already using our [Pots](https://monese.com/it/en/products/pots "Monese Pots") feature as it’s an easy way to save by rounding-up transactions and keeping your savings right where you can see them. Hold a (friendly!) saving competition with someone else that’s on Monese and see who can reach £100 first. Not invited anyone yet? Get a [referral bonus](https://monese.com/gb/en/invite-and-earn "Friend referral") of up to £30 for each friend you invite using your link under the Invite tab on your app.  

### __Kiss social media ads goodbye__ 
Social media seems to know exactly when you are most vulnerable to bombard you with targeted ads. Like we suggested in our post Covid spending control blog, hit the ‘x’ on ads as much as possible. Not only will it help against impulse spending (no, you do not need an electric pencil sharpener), but it also protects against [purchase scams](https://www.takefive-stopfraud.org.uk/advice/business-advice/purchase-scam-business/ "What are purchase scams?") which are on the rise. 

### __Step up__
For the less active amongst us, another 2-4-1 is more moving and less spending on small transport trips by making the most of walkable journeys wherever possible. You could download an exercise tracker -if you don’t have one already -and see how the little choices can add towards your activity for the day. If you've just joined a gym or want to start a new hobby, how about popping a pound in a Pot every time you go? Reward your motivation and grow your savings too!

### __Lay foundations __
If being more financially savvy is on the vision board for 2023, this one’s for you. We’ve lowered our [Credit Builder](https://monese.com/ie/en/features/credit-builder "What's our Credit Builder?") to only £2.50 a month, less than a cup of coffee. You choose the amount you can afford to put away each month, and using it for a year could give you a glowing credit score which equals better deals on credit cards, payment plans and even mortgages. Building a better life can start here! 

The final tip is to make sure to keep one treat that you know is good for you -body, mind or soul. If that’s your gym membership, a meal at your fave pasta restaurant, or an extra large coffee on a Monday then keep it! This month it’s just about thinking before we buy, keeping spending at a minimum, and making the most of things that don’t cost the world. 

Got another tip to share with the community? Share with us on [Facebook](https://www.facebook.com/MyMonese "Monese Facebook page"), [Twitter](https://twitter.com/monese "Monese Twitter"), [Instagram](https://www.instagram.com/monese/ "Monese Instagram") or write to us at community@monese.com. We’ll post our favourite ones! 


January-budgeting-tips-header

Blog post > Tips & Tricks > January money management

Let’s make this month all about money management

Top budgeting tips for January and beyond

Overflowing inboxes with flashing banners, targeted ads in every corner of your social feeds, the lead up to Black Friday seems to start earlier every year with seductive sales and discounts. But with shopping scams on the rise and the current financial climate, this year requires a little more vigilance. Nothing the Monese community can’t handle, though!

The good news is that it’s a perfect opportunity for early Christmas shopping, especially if you have any tech-lovers in your life, as this is where the best deals and reductions are. Comparing sale prices on the higher priced items and sticking to a pre-planned budget is always sensible. You could even make a [Monese Pot](https://monese.com/gb/en/products/pots "Monese Pots information") to put aside exactly what you’re working with (if you’ve already done this, you have permission to be smug) plus, it makes it harder to give in to the dopamine chase of an impulse buy. Our [rewards platform](https://monese.com/gb/en/offer-6f52b052d5574047a0fa317ef74a5567 "This week's rewards") has some brilliant offers on SIM cards and home Broadband, so you could be upgraded whilst paying less. 

Be wary of items that don’t offer value or might even have an increased original price to make the discount seem better. There’s lots of commentators giving advice on what’s truly a deal or not, and the consumer testing and review company Which? offers trusted insight. 

![Black Friday Dos & Don'ts](//images.ctfassets.net/96dxy75w1gjr/6t7RnBW4G8ZS0W4RDcrjBM/dd990fb88db37a0cd5e89c6c7aeb4223/Featured_Image.png)

Unfortunately, a lot of people are in financial difficulty and may turn to scamming as a way to make money quickly. There’s been a 14% rise in purchase scams over the past year; goods are advertised on Facebook Marketplace or Instagram and people send money to scammers directly by bank transfer, only for the items to never show up. Always buy from trusted retailers and if it seems too good to be true, it probably is! 

Be careful of texts and emails asking you to click on links, especially from what seems like a parcel delivery company, even if the sender has the same name. If you’re expecting a delivery, you should have tracking information through a verified email address -which could be checked by a quick Google search. It all may seem obvious, but it’s good to be aware and to pass on advice to family members that might not be as confident. 

Citizen’s Advice Bureau have a [handy tool](https://www.citizensadvice.org.uk/consumer/scams/check-if-something-might-be-a-scam/ "Citizens Advice Bureau scam checker tool") to check for scams and don’t forget to take a look at our [top tips](https://monese.com/gb/en/blog/fraud-awareness "Staying fraud aware blog post") for staying fraud aware. 

Finally, have fun! 


Black Friday shopping

Black Friday hero image

Blog post > Happy Black Friday > 24/11/22

Let's make it a good one

Happy Black Friday!

With the official end of the UK’s furlough scheme last month, many Britons have been left wondering and worried about their jobs and income security. If you believe or suspect you might be at risk of unemployment now, then you may be asking yourself if income protection is something you should be considering.

<div data-comp="signup"></div>

If you’re on the fence, we cover some of the basic questions around employee income protection insurance and explore if income protection insurance is truly worth it.

## What types of income protection insurance are there?
There are many types of income protection like disability income protection insurance which gives you salary protection in case you can't work due to an illness or injury. You can get income protection insurance depending on what you need, can afford and it’s usually a choice between short-term and long-term income continuance cover.    

### Short-term income protection
A short-term income protection insurance policy can be more cost-effective than a long-term income protection plan albeit less robust. It’ll typically cover you for up to a year or 18 months (some even up to five) and has usually included accident, sickness and unemployment cover; however, since the pandemic, many providers have taken redundancy cover out of their policies, so this is something to bear in mind. 

### Long-term income protection insurance 
A long-term income protection insurance cover will, of course, be more expensive but more comprehensive, and can cover you until you can work again, retire or until the cover expires. The longer the benefit period, the pricer your cover will be. You could get long-term income protection for over 65 years of age! Most long-term income payment protection insurance will have a minimum term period of five years. 

### Bills Protection 
![Pricing Hero - Landscape](//images.ctfassets.net/96dxy75w1gjr/5kMNk7x9T5l0uUd7tMy6bd/d387074ef9adca00c0f43959ca17b6b3/Pricing_Hero_-_Landscape.png)
At Monese, we offer accessible and affordable Bills Protection for UK-based customers on all paid [plans](https://monese.com/pricing "Our plans"). While not the same as income protection, we do help those who are employed by covering the recurring bills listed and paid from their Monese account in case of accident, sickness and involuntary unemployment. It also includes a billing in hospital stay benefit for both self-employed and employed UK-based customers. 

## Can I get income protection online?
While you probably won’t be able to buy income protection insurance online as you’ll need to be assessed by the provider first, you can certainly shop around and get an online income protection quote from different comparison websites. You can buy insurance directly from insurers or pay for an independent income protection broker, financial or insurance advisor to help you settle on the best salary protection plan and deal for you. 

If you opt for our affordable Bills Protections, rest easy knowing it comes automatically built-in to your Monese app when you sign up to any of our paid plans, which you can do straight from your phone online! No need for any time-consuming paperwork or managing policy documentation via email or post to start your [insurance](https://monese.com/features/insurance "Insure your essentials with Bills Protection and Purchase Protection") cover. 

## What’s the income protection waiting period?
Income protection insurance waiting periods can be anywhere from a week to a year, depending on the policy and provider you pick. But when you choose our Bills Protection, you get insurance that starts the moment you sign up for an Essential, Classic or Premium plan! 

## How do I claim income protection insurance?
To claim personal income protection insurance, you’ll usually need to contact your provider by phone and provide personal details like your name, date of birth, policy number and reason for your claim. Then, you’ll likely need to gather and send paperwork as evidence of why you can’t work, proof of income, even birth certificate. 

At Monese, making a claim under Bills Protection is much easier. You can make a claim with just a few taps in the app with just your phone:

__Step 1:__ Open your Monese app and head to the Explore tab on the home screen. 

__Step 2:__ Tap on Bills Protection under Insurance then hit ‘Start a claim’. 

__Step 3:__ Follow the steps to quickly complete your online form and submit your claim.

It’s that simple.

## Who are some income protection insurance providers?
Leading personal income insurance providers in the UK include:

- [Aegon](https://www.aegon.co.uk/personal/insurance.html "Protection")
- [AIG](https://www.aiglife.co.uk/advisers/products/individual-protection/income-protection/ "Income Protection")
- [Aviva](https://www.aviva.co.uk/insurance/life-products/income-protection-insurance/ "Income protection insurance")
- [British Friendly](https://r1.dotdigital-pages.com/p/59K4-13M/bfs "If it feels good to be covered ")
- [Cirencester](https://www.cirencester-friendly.co.uk/income-protection "Income Protection")
- [Exeter](https://www.the-exeter.com/customer/income-protection/ "INCOME PROTECTION.")
- [L&G](https://www.legalandgeneral.com/life-cover/income-protection-benefit/ "Income Protection Benefit")
- [LV=](https://www.lv.com/income-protection "Peace of mind if you're unable to work because of an accident or ill-health")
- [Royal London](https://www.royallondon.com/insurance/illness-income-protection/income-protection/ "Why choose our Income Protection?")
- [Shepherds](https://www.shepherdsfriendly.co.uk/income-protection/ "Income Protection")
- [Vitality](https://www.vitality.co.uk/life-insurance/income-protection-cover/ "Income protection insurance") 
- [Zurich](https://www.zurich.co.uk/insurance/income-protection "Income protection")

## Who offers the best income protection?
Picking the best salary continuance insurance provider will truly depend on your needs, budget, lifestyle and occupation. 

First, decide if you’re looking for a short or long-term personal income protection plan to help you narrow down companies. Research the different terms and conditions, policy details and waiting periods of each provider, any income protection premiums you’ll need to pay and even consider how risky or secure your job is. Be sure to get income insurance quotes from the providers on your short-list. These factors should help you choose the best income cover for you.  

## What’s the average cost of income protection insurance?
The average income protection cost will vary depending on a number of factors including your age, health, job, lifestyle, hobbies and more. For example, according to [Drewberry](https://www.drewberryinsurance.co.uk/income-protection-insurance "What is Income Protection? Do I need it? How much does it cost?"), a 30-year-old male heavy goods driver in the UK will pay an average of £35 pounds a month for long-term protected income insurance or £20 for short-term salary protection cover – keeping in mind this is excluding insurance against redundancy as all UK insurers have withdrawn from the market since Covid-19.  

## So, income protection – is it worth it? 
While some form of insurance to protect your income may be worth it, particularly during these ongoing uncertain times, the truth is it can be quite costly to afford – especially for something you may never use and benefit from and leaves out involuntary redundancy insurance! Remember, you won’t get your money back if you never have the need to make a claim. 

That’s why, at Monese, we offer much more accessible and affordable built-in Bills Protection designed for those who can’t commit to a full income protection insurance scheme. 

With our Bills Protection, you’re covered in case you can’t work because you’re sick, lose your job or need to stay in hospital. Insure expenses and regular bills paid from your Monese account like rent, groceries and utilities for as little as £1.95 a month. It’s a safety net without the hassle if you’re worried about the future of your employment or ability to work.  

<br/><br/>

To learn more about our insurance feature, including Purchase Protection insurance so you can shop in-store and online with ease, check out our [FAQ](https://support.monese.com/hc/en-gb/sections/4407003396882-Monese-Insurance- "Monese Insurance") articles. Don’t forget to let us know what other features you’d like to see in your app by dropping us a line at [community@monese.com](mailto:community@monese.com) or on [Facebook](https://www.facebook.com/MyMonese/ "Monese official Facebook page"), [Instagram](https://www.instagram.com/monese/ "Monese official Instagram page") or [Twitter](https://twitter.com/monese "Monese official Twitter page"). 

Income protection - Landscape

Blog post > Is income protection worth it?

We cover some of the basic questions around employee income protection insurance and explore if income protection insurance is truly worth it.

Is income protection worth it?

We answer top questions on income payment protection insurance in the UK

Our app-based joint accounts can be used as an alternative to joint bank accounts for flatmates looking for a simpler way to manage money and household expenses together. They’re quick to open and you can do so straight from your phone. The greatest part? You don’t even have to be in the same place as your flatmate to open your joint account!

<div data-comp="signup"></div>

There are plenty of benefits to opening a joint account with someone you’re living and splitting rent with. Not only can a joint account help simplify your financial lives together, but it can also help you avoid any potential fights or misunderstandings over money and who owes who for what. 

We cover some of the ways you and your flatmate can best make use of a Monese joint account together for a peaceful coexistence! 

## Add money to cover household expenses
![Expenses](//images.contentful.com/96dxy75w1gjr/22CUseCeNdMK5G5T5ee70q/048e10e1a5ac16e30c9039a48725805f/Expenses.png)

With Monese, you can easily top up your joint account by moving money instantly from each of your own Monese personal accounts or via bank transfer. Together, you can decide how much money you’ll each put in each month or week to cover regular household expenses. These could be things you’ll share like kitchen and bathroom supplies, at-home exercise equipment, cleaning products or even food and snacks. 

## Set up Direct Debits for shared bills 
Regular household bills you’ll have to cover include rent, utilities and wifi. For these expenses, it’s best to set up [Direct Debits](https://monese.com/blog/setting-up-direct-debits-with-monese "Setting up Direct Debits with Monese") directly from your joint account so you can automate recurring bill payments. 

## Set a budget for fun activities and extras 
![Spending-Overview-1](//images.contentful.com/96dxy75w1gjr/4kryksNZmiXgVteGOmsylm/b1609bab05d1e220a2c3b910cc15dbc7/Spending__1_.png)
With the money you have leftover, you and your roommate can easily set a monthly [budget](https://monese.com/features/budgeting "Budgeting made easy") for fun activities to do together. Your splurges could be hosting dinner parties, ordering takeout, drinks at the pub or a fun shopping spree. 

With Monese, you can set a weekly or monthly budget in your joint account that you and your flatmate agree upon for all your extra spending. The [Spending Overview](https://monese.com/blog/simple-spending-overview "An easy way to stay on top of your spending") screen can also give you insight into where you’ve spent your joint money and check if you’re both keeping to your set budget.    

## Set money aside for big-ticket items together 
![Savings](//images.contentful.com/96dxy75w1gjr/kSByYXDwXYHwUicPNfHE5/9dfb32d85e63dc9dd4bb9d873aafa4fa/Savings.png)
Need a new sofa or flatscreen for your home? Stash money away for pricier household furniture or appliances together with [pots](https://monese.com/blog/better-pots "Pots have gotten even better"). Easily create up to 10 [pots](https://monese.com/products/pots "Open Monese money pots") so you can store money away together for more than one thing at a time. Roundup transactions made from your joint account by 10x so you can reach your money goals even faster! 

## How to create a flatmates account 
![Joint Accounts - Landscape (1)](//images.ctfassets.net/96dxy75w1gjr/eh0i9aYLFEmDJXhIAoVre/52027a3868eb86a490eae1146ae59860/Joint_Accounts_-_Landscape__1_.png)
To open your Monese joint account, you’ll first need to make sure you and your flatmate are both signed up to Monese and have personal accounts with us. Then, inviting your flatmate to open a joint account with you can be done in 4 speedy steps: 

<br/><br/>

__Step 1:__ Open your Monese app, tap the ‘Account' button on the top left-hand side of the home screen

__Step 2:__ Select ‘Add account’ and choose the ‘Joint account’ option 

__Step 3:__ Find and tap on your flatmate to invite them to open a joint account with you  

__Step 4:__ Answer a few short questions and tap ‘Submit’ 
<br/><br/>

It’s that easy. We’ll then keep you updated about your application right in your app. Please note that at the moment joint accounts are available for GBP and EUR account holders in the UK and across Europe except for France. 

<br/><br/>

Do you have a joint account with a flatmate? Let us know how it’s worked for you! Share your comments and tips with us on [Facebook](https://www.facebook.com/MyMonese "Monese official Facebook page"), [Twitter](https://twitter.com/monese "Monese official Twitter page"), [Instagram](https://www.instagram.com/monese/ "Monese official Instagram page") or email us [community@monese.com](mailto:community@monese.com). 


Joint Accounts Flatmates - Landscape

Blog post > Using a Monese joint account for flatmates	

We cover some of the ways you and your flatmate can best make use of a Monese joint account together for a peaceful coexistence! 

Using a Monese joint account for flatmates

Learn how our joint accounts can help you live together in harmony

Covering the costs of a wedding can be tricky to manage and get right — especially during ongoing Covid times. That’s why we’re breaking down all the extra costs you’ll need to consider plus how a [Monese joint account](https://monese.com/products/joint-account "Open a Monese joint account online") can benefit you and your loved one when planning for your special day.   

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## How much do weddings cost? 
Covid-19 safety rules are set to change on 19 July, meaning that big weddings can finally take place once again in England, and venues are no longer required to enforce safety rules and provide hand gel and other precautionary supplies. 

Many brides and grooms with a wedding on the horizon are expected to introduce their own safety measures to their big day, even after all official restrictions are lifted, to help ensure the good health and safety of guests in attendance and allow any friends and family members to join the celebrations worry-free.

Weddings are already expensive with the average cost in the UK already totalling more (£30,000¹) than a typical annual salary ². With brides and grooms now responsible for implementing their own Covid-safety measures to protect their guests, this could add more than £5,000 (£5,305)* to the total cost of their wedding day, increasing the average budget by almost a fifth (18%) ¹, according to a new study. 

From lateral flow tests to temperature checks, hand sanitiser stations to disposable masks, and the average number of wedding guests sitting at 78 in 2020³, costs for these additions can soon add up for couples opting to absorb these costs within their own wedding day budgets. We’ve calculated the average cost of each optional safety measure that brides and grooms-to-be may now have to think about, and budget for in 2021 and beyond when planning their big day.

### Lateral flow tests — from £64 for a pack of 72⁴ 
Although they’re not as accurate as a PCR test, lateral flow tests can show if someone is infectious with Covid-19 at that particular time. This means they can be taken in the lead up to and on the day of the wedding by guests, to help identify if they may need to go and get a PCR test and self-isolate. 

As mentioned, these are not 100% accurate, but they could be sent out to guests to use ahead of the wedding for additional peace of mind.

### PCR testing — from £65 at home / £99 in store⁵
More accurate than a lateral flow test, the 48-hour PCR test is being used as proof of a negative Covid test for those looking to travel in 2021. That said, they do come at a cost, so for those looking to test all guests ahead of your wedding day, budgeting is key as these may add up to a hefty amount depending on the size of the wedding party. 

### Covid testing thermometers — from £12 per unit⁶
Another option is to check the temperature of guests before they enter the wedding ceremony or venue. Thermometers for this purpose are relatively inexpensive, but remember to allow for additional time to test, especially for larger wedding parties.

### Hand sanitiser — from £20 for a pack of 24 (50ml)⁷
Why not incorporate hand sanitiser as part of the table favours? Small bottles can be picked up relatively cheaply and can be scattered across tables for each of the guests to use throughout the day. 

### Disposable face masks — from £14.99 for 200⁸
Most people are now carrying around a mask without even giving it a second thought, and whilst they’re not always going to be a legal requirement, masks have been reported to help stop the spread of Covid and may be something couples wish to incorporate for at least a small part of their wedding.

## Set money aside and budget with a Monese joint account
![monese-pots-save-1](//images.ctfassets.net/96dxy75w1gjr/4JHGsVP22GFvfudLjDbZyL/79dd62cc9edb243b270d14ab46ff2ca4/monese-pots-save-1.jpg)
Along with these extra costs, you’ll also have to budget for the usual venue costs, catering, reception, [honeymoon](https://monese.com/blog/travel-2021 "Top tips for your next travel attempt") costs, makeup, the wedding dress and suit, accessories, shoes, ceremony fees, cake, bar, entertainment, transportation, insurance and plenty more. That’s why having up to 10 dedicated Monese money [pots](https://monese.com/products/pots "Open Monese money pots") set up in your joint account to help you [save](https://monese.com/blog/savings-goals-with-partner "Setting savings goals with your partner") and work towards each goal is so important — and you avoid going into any debt! 

For example, say you have a dream dress that costs £3,000. With Monese, you can easily set up £3,000 as the target for your “Wedding dress 👰🏻‍♀️” pot and monitor your progress as you add to it and watch it grow! 

To reach your targets even faster, you can choose to round up daily transactions by up to 10x and send the difference directly to a chosen pot. Having pots also helps to keep your wedding money separate from daily spending. And you can easily set up Recurring Payments to your pot to automate how much you’re putting away. 

With a Monese joint account, you and your partner can also agree on a set budget for your wedding expenses. Easily set up a monthly and weekly [budget](https://monese.com/features/budgeting "Budgeting made easy") as you lead up to your big day. Stay on track and in the loop together with the [Spending Overview](https://monese.com/blog/simple-spending-overview "An easy way to stay on top of your spending") feature in your app. 

A joint account also makes it simple for guests to gift you money on your special day. You can easily copy and share your account details with your friends and loved ones straight from your app for an easy and smooth process for all! Plus, this way you’re able to keep track of who sent you a little something so you remember to send a thank you card later.   

## Send money abroad and travel with a Monese joint account 
![TRAVEL Blog & Social 04](//images.ctfassets.net/96dxy75w1gjr/6qOd3cCyzcRQMqVj2li2je/cd4bdc73cf1dbcc969e6d3fa5f11366b/TRAVEL_Blog___Social_04.png)
Along with budgeting for additional Covid-related travel costs and safety measures as mentioned above, planning a destination wedding or even your [honeymoon](https://monese.com/blog/holiday-money-at-home "How much holiday money could you find at home?") also means dealing with foreign vendors and paying them in foreign currency. With a Monese joint account, you can easily [send money abroad](https://monese.com/money-transfers "International money transfer – send money safely for less") to pay vendors at a great currency exchange rate. 

And when you finally go on your [honeymoon](https://monese.com/travel-money-card "The only travel money card you’ll need"), your Monese [card](https://monese.com/features/debit-card "Get a prepaid debit card from Monese") is the only travel card you’ll need on your romantic getaway! You’ll have instant access to your cash worldwide by withdrawing at any ATM at the wholesale currency exchange rate. Plus, you can spend abroad with your card and always count on the wholesale exchange rate without ever having to worry about hidden fees. 

## The benefits of a Monese joint account after your wedding 
You can use your Monese joint account well after the wedding and honeymoon are over. In fact, this is just the beginning! There are many benefits to having a Monese [joint account for married couples](https://monese.com/blog/open-joint-account "Should you open a joint account with your partner?"): 

- Easily work towards future goals together like buying a house 
- Manage household bills and expenses together
- Set up a weekly or monthly budget together
- Keep track of joint transactions with instant notifications
- Get both of your [salaries](https://monese.com/blog/receive-salary "How to receive your salary in your Monese account") paid into your joint account for easier money management 
- Quickly set up [Direct Debits](https://monese.com/blog/setting-up-direct-debits-with-monese "Setting up Direct Debits with Monese") or [Recurring Payments](https://monese.com/gb/en/blog/make-regular-transfers-with-recurring-payments "Make regular transfers with Recurring Payments") to stay on top of shared payments  

Best of all, opening a Monese joint account is free! You just pay the card delivery fee: €/£4.95. 

<br/><br/>

Will you be opening a joint account to help with your wedding day planning? Or if you’ve used a joint account for your wedding plans, let us know how it was useful for you! Leave us a comment on [Facebook](https://www.facebook.com/MyMonese "Monese official Facebook page"), [Twitter](https://twitter.com/monese "Monese official Twitter page"), [Instagram](https://www.instagram.com/monese/ "Monese official Instagram page") or drop us a line at [community@monese.com](mailto:community@monese.com). 

<br/><br/>

**Data around the additional costs associated with a more covid safe wedding were totalled based on 78 guests calculated against the below which were correct as of 10/7/2021:* 

- *2 x packs of tests based on: Lateral flow tests — from £64 for a pack of 72⁴* 
- *78 x at-home tests based on: PCR testing — from £65 at home / £99 in store⁵*
- *1 x unit based on: Covid testing thermometers — from £12 per Unit⁶*
- *4 x packs of: Hand sanitiser — from £20 for a pack of 24 (50ml)⁷*
- *1 x pack of: disposable face masks — from £14.99 for 200⁸*

*__Total:__ £5,304.99*

*__Sources__*
1. *[https://www.nimblefins.co.uk/average-cost-wedding-uk](https://www.nimblefins.co.uk/average-cost-wedding-uk "NimbleFins")*
2. *[https://uk.jobted.com/salary](https://uk.jobted.com/salary "Jobted")*
3. *[https://www.purephotoni.com/blog/the-average-cost-of-a-uk-wedding-in-2019](https://www.purephotoni.com/blog/the-average-cost-of-a-uk-wedding-in-2019 "purephotoni")*
4. *[https://ukwholesales.co.uk/individually-packed-covid-19-lower-nostril-noninvasive-antigen-lateral-flow-test-kit-lower-nostril-swab/](https://ukwholesales.co.uk/individually-packed-covid-19-lower-nostril-noninvasive-antigen-lateral-flow-test-kit-lower-nostril-swab/ "UK Wholesales")*
5. *[https://www.boots.com/covid-19-testing/covid-19-testing-service](https://www.boots.com/covid-19-testing/covid-19-testing-service "Boots")* 
6. *[https://www.amazon.co.uk/s?k=Infrared+Thermometers&i=industrial&rh=n%3A6286456031&s=price-desc-rank&_encoding=UTF8&c=ts&qid=1625580173&ts_id=6286456031&ref=sr_st_price-desc-rank](https://www.amazon.co.uk/s?k=Infrared+Thermometers&i=industrial&rh=n%3A6286456031&s=price-desc-rank&_encoding=UTF8&c=ts&qid=1625580173&ts_id=6286456031&ref=sr_st_price-desc-rank "Amazon UK")*
7. *[https://www.staples.co.uk/catering-and-cleaning-products/cleaning-and-hygiene/bathroom-supplies/hand-soaps-sanitisers/mrs-gleams-antibacterial-hand-gel-50ml-pack-of-24-handgel50/?gclid=CjwKCAjw_o-HBhAsEiwANqYhpyTeX1qGn4fUtekpWt3hRJJDTXOOhlc1ql7Ic4Fw4Pd1EP-oUP3hhRoCN5oQAvD_BwE  ](https://www.staples.co.uk/catering-and-cleaning-products/cleaning-and-hygiene/bathroom-supplies/hand-soaps-sanitisers/mrs-gleams-antibacterial-hand-gel-50ml-pack-of-24-handgel50/?gclid=CjwKCAjw_o-HBhAsEiwANqYhpyTeX1qGn4fUtekpWt3hRJJDTXOOhlc1ql7Ic4Fw4Pd1EP-oUP3hhRoCN5oQAvD_BwE "Staples UK")*
8. *[https://www.amazon.co.uk/Protective-Disposable-Breathable-Filterability-Sensitive/dp/B08GH2CVNQ/ref=sr_1_3_sspa?dchild=1&keywords=face%2Bmasks&qid=1625580991&s=drugstore&sr=1-3-spons&spLa=ZW5jcnlwdGVkUXVhbGlmaWVyPUEyUlk5SUpRSTJJUUZTJmVuY3J5cHRlZElkPUEwNDE0ODYxMkVNSkdaM1RUQzhJQyZlbmNyeXB0ZWRBZElkPUEwNjA5MDIyMVI1QVFBQUNSNDg1WSZ3aWRnZXROYW1lPXNwX2F0ZiZhY3Rpb249Y2xpY2tSZWRpcmVjdCZkb05vdExvZ0NsaWNrPXRydWU&th=1](https://www.amazon.co.uk/Protective-Disposable-Breathable-Filterability-Sensitive/dp/B08GH2CVNQ/ref=sr_1_3_sspa?dchild=1&keywords=face%2Bmasks&qid=1625580991&s=drugstore&sr=1-3-spons&spLa=ZW5jcnlwdGVkUXVhbGlmaWVyPUEyUlk5SUpRSTJJUUZTJmVuY3J5cHRlZElkPUEwNDE0ODYxMkVNSkdaM1RUQzhJQyZlbmNyeXB0ZWRBZElkPUEwNjA5MDIyMVI1QVFBQUNSNDg1WSZ3aWRnZXROYW1lPXNwX2F0ZiZhY3Rpb249Y2xpY2tSZWRpcmVjdCZkb05vdExvZ0NsaWNrPXRydWU&th=1 "Amazon UK")*

Joint Accounts Wedding - Landscape

Signup Module >  with no copy 

Blog post > Covid-related wedding costs to budget for in 2021 

We’re breaking down all the extra costs you’ll need to consider plus how a Monese joint account can benefit you and your loved one when planning for your special day.   

Covid-related wedding costs to budget for in 2021 

Plus how a joint account can help you plan for your big day 

Deciding to merge your finances with your significant other is a huge step for any relationship. But how do you know when you’re ready? In this post, we cover all the signs and milestones you should have already hit as a couple before deciding to [open a joint account together](https://monese.com/products/joint-account "Open a Monese joint account online"). 

<div data-comp="signup"></div>

## You’ve had previous money talks…and it’s not awkward 
Let’s face it: talking finances with others is considered a taboo topic in society. And it can be especially awkward to talk about with a romantic partner. It can be a little daunting and just downright unsexy. But if you and your partner have spent enough time with each other and are comfortable and open enough to have honest conversations around money, then this is already a great first sign! 

If you need help getting that important conversation started, we’ve gathered some [tips](https://monese.com/blog/talking-finances-partner-taboo-topic "Why talking finances with your partner shouldn’t be a taboo topic") to help you tackle the topic with your loved one with ease. 

<br/>

## You’re comfortable with one other’s spending habits 
![Valentines Visual](//images.ctfassets.net/96dxy75w1gjr/ZYtdW5tqIE2Syc3SciNjY/f9ac2444f3b712c8ddd3826606c49399/Valentines_Visual.png)

Before merging your money, you should have a sense of your partner’s spending habits. 

A poll we ran on our Instagram showed that nearly half of our community were savers (49%) and just over half (51%) were spenders. So which one are you and which one is your significant other? Do they like to splurge on the finer things in life or do they enjoy saving their money? And more importantly, how comfortable are you with their money habits? How closely do they align with yours? And if they don’t, how much are you both willing to compromise? These are all important questions to consider when you’re thinking about bringing your finances together. 

With Monese, it’s easy to analyse spending habits with our [Spending Overview ](https://monese.com/blog/simple-spending-overview "An easy way to stay on top of your spending")feature, which neatly categorises expenses into 15 different lifestyle categories. Use it to compare one another’s expenses and see how similar they are. To avoid any conflict, you’ll eventually need to get on the same page when it comes to how to spend (or save) the money in your joint account. 

<br/>

## You’ve set a budget and trust each other to stick to it 
Speaking of getting on the same page, one thing that could help is creating a [budget](https://monese.com/features/budgeting "Budgeting made easy") that you’re both comfortable with and believe you can stick to. Merging your money means you have to trust one another to manage it wisely and in a way you two can agree on. Still, it’d be wise to talk about how you’ll handle it if one of you goes over budget. 

With a Monese joint account, you can easily create a monthly or weekly budget to keep you both on track. The best part is, you’re able to monitor each other’s expenses as you’ll both receive instant notifications anytime one of you spends. 

<br/>

## You’re saving for something together 
Whether you’re thinking about adopting a pet, going on a dream holiday together or buying your first home as a couple, having a specific [saving goal](https://monese.com/blog/savings-goals-with-partner "Setting savings goals with your partner") you’re both working towards is a great indicator that you’re ready to open a joint account together.

When you open a Monese joint account, you’re able to create up to 10 money [pots](https://monese.com/products/pots "Save with pots ") where you can set money aside for all the things you’re working towards together. This is an excellent way to keep this money separate from your day-to-day spending. You can even choose to round up your daily transactions by up to 10 and send the difference to your money pot so you reach your money goals even faster! Or set up [Recurring Payments](https://monese.com/blog/make-regular-transfers-with-recurring-payments "Make regular transfers with Recurring Payments") into your pot so you’re stashing money away regularly.    

<br/>

## You’re already living together
If you’ve already decided to bring your lives together and share personal space, joining your money could be a natural next step — especially if you’re sharing and managing bills, groceries and other household expenses together. Having an allocated place to put that money in for those daily purchases for the home could be a huge timesaver. Plus you avoid the headache of constantly trying to figure out who owes who for what and how much.

But if you aren’t already living together and just need a place to keep money for date nights or weekend getaways together, not to worry! With Monese, you can still open a joint account with your loved one even if you don’t live under the same roof just yet.  

<br/>

## What are the benefits of a Monese joint account?

If you and your better half do decide you’re ready to take the plunge, here are some of the other pros of opening a Monese joint account together: 

- Have a shared account number, transaction feed, balance and allowances while enjoying individual contactless Mastercard debit cards to shop, spend and use on your own

- Link your joint account cards to [Apple Pay](https://monese.com/features/apple-pay "Apple Pay") or [Google Pay](https://monese.com/features/google-pay "Monese with Google Pay™") for speedy and secure transactions both in-store and online
- Get both of your [salaries](https://monese.com/blog/receive-salary "How to receive your salary in your Monese account") paid directly into your joint account
- Quickly set up [Direct Debits](https://monese.com/blog/setting-up-direct-debits-with-monese "Setting up Direct Debits with Monese") or Recurring Payments from your joint account to easily manage shared payments 
- Open a joint account for free (just pay the card delivery fee: €/£4.95) without having to be in the same physical place together

<br/>

Have you and your sweetheart considered opening a joint account together? Or if you have one, what are tips you’d share with other couples before doing so? Let us know on [Facebook](https://www.facebook.com/MyMonese "Monese official Facebook page"), [Twitter](https://twitter.com/monese "Monese official Twitter page"), [Instagram](https://www.instagram.com/monese/ "Monese official Instagram page") or email us at [community@monese.com](mailto:community@monese.com). 

Joint Accounts - Landscape (1)

Blog post > Should you open a joint account with your partner?

We cover all the signs and milestones you should have already hit as a couple before deciding to open a joint account together. 

Should you open a joint account with your partner?

Here’s how to know if you’re ready to merge your money 

Admit it: we all went a little overboard when it came to our lockdown splurges over the past year. Whether you invested a little too much in at-home workout gear, home office equipment or several new video games to keep you from going stir crazy, you might be left wondering what to do with all your new purchases now. As lockdown restrictions ease in the UK, we may no longer need all the items that got us through lockdown.

So with that in mind, we put together this useful guide on how to tackle all those extra items taking space in your home and get them ready for selling online.

<div data-comp="signup"></div>

## Make a plan
First, make a list of all the items you want to sell. Inspect the condition of all your things and make sure everything is working as it should. Try and make your objects as “sell-ready” as possible. Find all original receipts, manuals, handbooks, accessories and guarantees that might still apply to your items — this will help you sell for the best price.

## Pick your platform
Some of the most popular sites to sell your items online include [Amazon](https://services.amazon.co.uk/services/sell-online/how-it-works-basic.html "The beginner's guide to selling on Amazon"), [eBay](https://www.ebay.ie/pages/help/sell/sell-getstarted.html "Sell an item - Getting started"), [Etsy](https://www.etsy.com/sell "Reach millions of buyers in Canada and around the world"), [Craigslist](https://www.craigslist.org/about/sites?lang=en&cc=gb#EU "Craigslist Europe"), [OLX](https://www.olx.com/ "Olx Homepage") and [Ziffit](https://www.ziffit.com/ "Sell books, CDs, DVDs, & games"). There are even apps for selling online, like [Depop](https://www.depop.com/ "BUY. SELL. DISCOVER UNIQUE FASHION.") and [Shpock](https://www.shpock.com/en-gb "Sell & buy - easy & fast"). Some platforms are also better than others for selling specific items, so consider this when choosing your platform: 

- eBay is good for electronics, antiques, jewelry, designer shoes, vintage clothing and handbags.
- Old records and books are great to sell on Amazon.
- Art, crafts and wall decor do well on Etsy.
- Ziffit is good for selling games, books, CDs and DVDs.
- Sell clothing on Depop.
- Shpock is great for home appliances, electronics and clothing. 
- Facebook groups might work better for old furniture. 

On this note, don’t discount social media platforms or your networks like your friends and followers on Instagram. Try Facebook Marketplace or even reaching out to colleagues first. Many companies have a marketplace Slack channel where you can easily buy or sell things from people you know and trust. If you can't find one, start one! 

## Create your listing 
The more detailed your descriptions are, the more likely you are to sell your items. Pick keywords and your category wisely. Also, be honest about things such as the condition of your items. People looking for things to buy online are usually okay with purchasing second-hand, as long as you're accurate with the state of your objects. Buyers need to know just what they're getting for their money. 

Be sure to include plenty of high-quality photographs, too, as part of your listing — this is especially important if you’re selling clothing or jewelry. You may even want to consider modeling your clothing and accessories on yourself or a mannequin, so buyers can visualise what the items will look like on. 

## Consider shipping costs
Before you add a price tag to your listing, make sure you account for any packaging and shipping costs for mailing your items. Otherwise, this could easily eat into any profit you hope to make. eBay, for example, offers a postage estimator service. If sending from the UK, check out the [Royal Mail’s price finder](https://www.royalmail.com/price-finder "Get a price") for a calculation. It’s also good to research to compare prices for similar items selling online. 

Once you’ve settled on a price, make it easy for your buyers to pay you by sharing your Monese account details. You can easily do this straight from your app. [Invite](https://monese.com/invite-and-earn "Invite and earn") them to sign up for Monese; this way, your payment will be instant! Or, if they pay you through [PayPal](https://monese.com/products/paypal "Monese with the power of PayPal"), link your [PayPal](https://monese.com/blog/monese-with-paypal "Monese with the power of PayPal") to Monese so you can see all your earnings all in one app.  

## Stash your earnings
![monese-pots-save-1](//images.ctfassets.net/96dxy75w1gjr/4JHGsVP22GFvfudLjDbZyL/79dd62cc9edb243b270d14ab46ff2ca4/monese-pots-save-1.jpg)
Now that you’ve gotten rid of all your things and made some extra money, the last thing you’ll want to do is misspend it all again! Why not use that money to start an emergency fund instead and put it towards one of your [pots](https://monese.com/products/savings "Grow your savings") to set money aside for something that matters? With Monese, you can create up to 10 different pots to put money away for more than one thing at a time. Round up your transactions and even multiply by up to 10 to help you reach your money goals even faster. 

<br/><br/>

We hope these tips will help you get your home decluttered this spring. What was your biggest expense during lockdown? Of all the things you bought, what items will you be keeping, and which will you be selling? Let us know on [Facebook](https://www.facebook.com/MyMonese "Monese official Facebook page"), [Twitter](https://twitter.com/monese "Monese official Twitter page"), [Instagram](https://www.instagram.com/monese/ "Monese official Instagram page") or drop us a line at [community@monese.com](mailto:community@monese.com). 

Good luck! 

Selling lockdown purchases V2

Blog post > Selling your pandemic purchases online

We put together this useful guide on how to tackle all those extra items taking space in your home and get them ready for selling online.

Selling your pandemic purchases online

Get rid of all those extra items you bought during lockdown

At Monese, we’ve always been an advocate for ending IBAN discrimination.  Last year, we shared a [blog](https://monese.com/blog/iban-discrimination "IBAN discrimination (yes, there is such a thing!)") with tips on what to do if you’re ever faced with this sort of injustice from an employer, merchant or any other company in SEPA (the Single Euro Payments Area) refusing to accept your SEPA-enabled IBAN for euro payments or direct debits. 

That’s why we’re very happy to be joining Wise’s [Accept my IBAN](https://www.acceptmyiban.org/ "Report it, so we can stop it!") campaign along with other leading fintech companies to put a stop once and for all to this all-too-common illegal practice. We and our peers in the fintech space realise that this is something our customers across Europe face daily — even though it’s against the law.   

<div data-comp="signup"></div>

## How can I report IBAN discrimination?
![acceptmyiban.org-smaller](//images.ctfassets.net/96dxy75w1gjr/4lR2J2utqXXUKp6HB1JDh/3bcc2e692be4aaccf9fcf3839383f133/acceptmyiban.org-smaller.png)
As part of the campaign, you can now visit [acceptmyiban.org](https://www.acceptmyiban.org/ "End IBAN discrimination") to report details of your case, which will then be passed on to the right authorities. Anyone can submit a case, regardless of who you bank or pay with. 

If you’re ever faced with this kind of discrimination, it’s important to remember to gather documented proof of the rejection, whether that’s written, a screenshot or any other interaction you’ve had with the merchant or organisation. This will help better support your case when eventually presented to the relevant authorities. 

Remember: anytime a service provider, salesperson or employer refuses to accept your IBAN, they’re breaking the law. 

Report it, so we can stop it! 

Accept my IBAN Hero (1)

Blog post > We’ve joined the Accept my IBAN campaign 

We’re very happy to be joining Wise’s Accept my IBAN campaign along with other leading fintech companies to put a stop once and for all to IBAN discrimination. 

We’ve joined the Accept my IBAN campaign 

Monese part of the fight to end IBAN discrimination once and for all 

As Covid-19 restrictions start to lift, we’re finally allowed to go out and enjoy a cold pint in a beer garden again, get our nails done and get rid of that lockdown hair. 

During this unusual past year, many of us have [managed to save more money](https://monese.com/blog/year-in-lockdown "A year in lockdown: what we spent and where we spent it") than we have ever done in the past. However, our recent poll of 1,000 UK residents has revealed that over half (51%) are concerned about how much more they’ll start spending now that restrictions are being lifted. Of these, it seems those aged 25–34 are the most worried (72%), alongside residents of London (67%).

With this in mind, we’ve put together a few tips to help you stay in control of your outgoings while enjoying a little slice of long-awaited normality.

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## Budget
As we start spending less time at home, it’s inevitable that some of our “extra” expenses will go up again. Of course, rent and bills come first, but we all need a little something to splurge on after so many months being stuck indoors! Our survey has revealed that people think they’ll spend the most money in restaurants (45%), at shops and shopping centres (43%), at pubs and bars (37%) and at hairdressers or barbers (36%).

Whether it’s pints with friends or a shopping spree, make sure you calculate how much you can afford to spend on any additional luxuries each month. With Monese, you can easily give yourself a weekly or monthly spending [budget](https://monese.com/features/budgeting "Budgeting made easy") to ease you back into it. 

## Swap to stretch your budget
If you’ve worked out that you don’t have loads of budget to work with then you might need to prioritise and adjust expenses accordingly. For example, two extra pints means one less takeaway, or a meal out could mean not buying those jeans online.

## Don’t dip into savings
Whether you’ve managed to save more in lockdown or not, it’s important to make sure you don’t make a dent in your savings for non-essential expenses. But if it happens, set up a [Recurring Payment](https://monese.com/blog/make-regular-transfers-with-recurring-payments "Make regular transfers with Recurring Payments") to your savings pot on the same day you [receive your salary](https://monese.com/blog/receive-salary "How to receive your salary in your Monese account"). This way you can slowly start to “pay yourself back” and keep that money for rainy days or get back on track with any other savings goals.

With Monese, you can create up to [10 different pots](https://monese.com/features/pots "Save with Pots") to help keep your savings separate from everyday spending, so you have money for when you really need it.

## Don’t lose track of spending
It’s essential that you keep an eye on how much is coming in and how much will now be going out each month. 

With Monese you can get a PDF or Excel statement straight from the app for any date range you need, so you can visualise exactly when, where and how you spent your money. You can also make use of the [Spending Overview](https://monese.com/blog/simple-spending-overview "An easy way to stay on top of your spending") feature, which neatly categorises your spending into 15 different lifestyle categories. You should make a habit of checking this and your account daily so you know exactly what you have left to spend. Plus, set up instant notifications for detailed transaction descriptions every time you buy.

## Spread out your outings
Of course, it’s only natural that you might want to get a haircut, go to the pub and enjoy a meal out all in the same week, but that may not be the smartest move. Spreading out your treats not only gives you something to look forward to each week, but also means you’re less likely to overspend and be left with nothing (or close to nothing) in just a week alone. 
<br/><br/>

## Enlist the help of others
If you know you’re not good at resisting that new jacket or a trip to the pub, then ask your family or friends to help you. Let them know you need to stick to a budget and looking for their support. Some of your friends may be worried about overspending too, and knowing someone else feels the same and are in it together, can make sticking to a budget so much easier.

## Think before you buy
If you’ve spotted something you want to buy, walk away from the purchase and sleep on it before you complete the transaction. If you wake up and still think you’d really like to buy it, and can afford it, then go for it. More often than not, though, you may change your mind or decide you’d actually rather to wait until you’ve saved up for it.

## Hide social media ads
Spending will power is hard to maintain, especially when we're bombarded with targeted adverts on social media all the time. But you can hide these if you’re worried you'll be tempted to splash your cash. On Facebook and Instagram, you can click the three dots in the top right-hand corner of the ad to select a hide option.

## Try budget-friendly outings  
You don’t need to splurge on dinner and drinks to be sociable with friends. Instead, you could organise a picnic in your local park. It’ll work out much cheaper than dining out and will still feel really special after weeks of being stuck at home!

## Shop second-hand 
If you’re looking forward to a long-awaited night out, you might be considering buying a new outfit. However, rather than hitting the shopping centre, you could look around your local charity shops first. With so many people having clearouts during lockdown, you might be surprised at what you unique, low-cost treasures could be waiting for you! You’re also helping a charity too, so it's a win-win.

Don't forget to also check out places like Facebook Marketplace for bargains. This can be particularly good if you’re looking for items for your home or garden. You can set up alerts for specific items so you don’t miss out when that perfect listing goes live!
<br/><br/>

These tips should help you stay on track with your budget, while not dipping into savings and still allow you to have some much-needed fun! Let us know how you plan on getting back out there while keeping your spending in check. Share your tips and tricks with us on [Facebook](https://facebook.com/MyMonese "Monese official Facebook page"), [Twitter](https://twitter.com/monese "Monese official Twitter page"), [Instagram](https://instagram.com/monese "Monese official Instagram page") or write to us at [community@monese.com](mailto:community@monese.com).
<br/><br/>

__Methodology__
*Survey of 1,000 UK adults completed in April 2021.* 

calculator_spendingoverview_monese coins in jar 

Blog post > Top tips to keep spending under control as we ease back into normality

We’ve put together a few tips to help you stay in control of your outgoings while enjoying a little slice of long-awaited normality.

Top tips to keep spending under control as we ease back into normality

Over half of UK residents are worried about how much more they’ll spend as Covid-19 restrictions ease

Last Valentine’s Day, we explored the [benefits](https://monese.com/blog/talking-finances-partner-taboo-topic "Why talking finances with your partner shouldn’t be a taboo topic") of having an open and honest talk with your significant other around finances. If you got that awkward hurdle out of the way — congratulations! You’ve already conquered the first crucial step (which we’ll recap for you below). 

Now, you may have started thinking about a serious, long-term future together. And this means saving and working towards realistic financial goals together. But if you’re not sure where to start, not to worry. We’ve gathered some quick tips that’ll make saving with your soulmate a breeze.

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## Have a conversation 
Communication is the key to any relationship. That’s why the first thing you’ll want to do is have a heart-to-heart with your loved one if you haven’t done so already. You’ll both need to make sure you’re on the same page regarding finances and your objectives. What are you saving for together? Is it a home, your children, a pet or your next romantic getaway? Whatever it is, you’ll need to ask yourselves the tough questions: 

- What are your spending habits like? 
- What will our budget be? 
- How much are you willing to put away each month? 
- How often will you check in to make sure you’re both keeping on track? 
- How will you handle it if one of you goes over budget? 

## Open a joint account
When you’re working towards a financial or savings goal together, a [joint account](https://monese.com/products/joint-account "Open a Monese joint account") can come in handy. Our Monese [joint accounts](https://monese.com/blog/launching-joint-accounts "Spend and save together with the new Monese Joint Account") make it so much easier for couples to plan, save, budget, spend and keep track of expenses together. Make use of advanced features such as a shared Spending Overview screen and real-time notifications, so you both stay in the loop. Opening a joint account is fast and free. Open one straight from your app to set up direct debits and manage other payments and bills together. 

## Determine your combined net income  
Your net income is the amount of money you’ll have in your account after deductions. We make it easy for both of you to [get paid right into your Monese joint account](https://monese.com/blog/receive-salary "How to receive your salary in your Monese account") and combine your net incomes, so you know exactly how much you’re working with. Sharing your joint account details with each of your respective employers can be done straight from your app. Your employers shouldn’t have any issues paying your salaries regularly into your Monese joint account with these details.

## Make a budget that works for both 
We recently ran a poll on our Instagram asking our community if they were the spender or saver in the relationship. The results came back nearly split, with 51% considering themselves the spender and 49% calling themselves the saver. 

It’s important to be self-aware and know which each of you is in the relationship. You’ll need to factor this in when creating a balanced budget that works for both of you. Our Monese joint accounts make it easy to set up a monthly budget, so you’re both able to keep tabs on your shared transaction feed.  

![Valentines Visual](//images.ctfassets.net/96dxy75w1gjr/4ARK7aKD53sRsotA7C8YXd/98331b9b736e021c3fadd1d33483b8a5/Valentines_Visual.png)

## Save together 
Once you’ve discussed your budget and established what you’re saving for, you’re ready to create your savings [pots](https://monese.com/features/pots "Save with Pots") to keep your savings separate from day-to-day spending. Under your joint account, you can set up up to 10 different savings [pots](https://monese.com/blog/better-pots "Pots have gotten even better") if you’re saving for more than one thing at a time. Give each pot a name and set a target, so you both stay in the know regarding your progress. You can even round up your transactions by up to 10 and send the spare change to a designated pot to help you reach your savings goals even faster!  

<br/><br/>

When saving on your own, it can be easy to fall off the bandwagon. But saving with a partner can help keep you both accountable to one another. We hope that with these tips and our useful app, you’re able to find financial bliss with your better half. If you have other advice, feel free to share it with us on [Facebook](https://www.facebook.com/MyMonese/ "Official Monese Facebook page"), [Twitter](https://twitter.com/monese "Official Monese Twitter page"), [Instagram](https://www.instagram.com/monese/ "Official Monese Instagram page ") or drop us a line at [community@monese.com](mailto:community@monese.com). 

JA-Blog-Post-1920x1080

Blog post > Setting savings goals with your partner 

Setting savings goals with your partner 

Make saving with your sweetheart smooth sailing 

The Brexit transition period officially ended on 31 December 2020. The new rules and regulations that came in place since — particularly around parcels and deliveries — have caught many of us off-guard. 

Buyers who’ve purchased from the EU and vice versa are being hit with unexpected fees upon delivery of their packages. Couriers are showing up at doorsteps demanding, in some cases, [more than £100 in import duties](https://www.theguardian.com/politics/2021/jan/21/britons-buying-from-eu-websites-face-more-than-100-import-duties "The Guardian - Britons buying from EU websites hit with £100 customs bills"). And in Europe, clients are also being asked to pay [customs tariffs, handling fees and VAT](https://www.bbc.com/news/business-55752541 "BBC - Brexit parcel price shock: 'I had to pay £30 for a gift'") to receive their parcels. 

While it's still quite the bureaucratic headache, we've gathered advice and information on what you need to know when shopping online for items shipped between the UK and the EU after Brexit.  

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## First, what are the fees? 
The [UK government](https://www.gov.uk/guidance/vat-and-overseas-goods-sold-directly-to-customers-in-the-uk "VAT and overseas goods sold directly to customers in the UK") has outlined tax and duty information for goods sent from abroad, including EU countries, following Brexit. 

A 20% UK VAT now applies to almost everything from the EU, including gifts, second-hand items and Amazon/eBay products bought from private sellers. Gifts over £39 will come with the UK sales tax, and if it’s over £135, custom duties will also apply if the goods 'originate' from outside the UK and EU, which can be as much as [25%](https://www.walesonline.co.uk/whats-on/shopping/couriers-refusing-hand-over-parcels-19682053 "WalesOnline - Couriers are refusing to hand over parcels bought from Europe if people don't pay extra charges"). The UK VAT can be collected at the time of purchase if it’s under £135. Still, it'll be due at the time of delivery or at the point of entry if it's over this limit. 

For fee information on the reverse scenario (i.e., ordering from the UK to the EU), we suggest visiting your particular country’s government website before purchasing for details on any applicable sales tax and custom tariffs for imported items from the UK. 

Additionally, some courier firms may charge an additional fee to cover extra handling costs. This could be a flat fee or a small percentage of the total price of your item.  

Here are just a few examples of the costs you could be paying:

*__Buying a £150 jacket from France__*
- You'll be charged VAT of £30 (20% of £150) at time of delivery (i.e., on the doorstep) or when the good arrives in the UK 
-   You may also have pay up to 25% in custom duties if parts of the jacket originate from outside of the UK or EU, which could be as much as £37.50 
-   The courier firm may charge a fee 

__*Buying a £50 homeware gift from Italy*__
- You'll be charged VAT of £10 (20% of £50) at point of sale 
- VAT gift exemption only applies to items worth £39 or less 
- The courier firm may charge a fee 

__*Buying a £35 second hand pair of jeans from an eBay seller in Germany*__ 
- You'll be charged VAT of £7 (20% of £35) at point of sale 
- The courier firm may charge a fee  

## Tips before buying
Here are the top things you need to know the next time you plan on ordering something from the UK or EU now that the Brexit transition period has come to an end. 

### Do your research 
While it’s common for online retailers to have a localised website, you’ll need to do some digging beyond the homepage to find out where the items you want to purchase are actually located and coming from. 

In some instances, people browsing a localised UK website thought they were buying their items from the UK but in fact, were coming from Europe. Hence, to their surprise, they were subject to the new shipping fees. The same is true for EU buyers who thought they were purchasing items from within the EU because they bought from an EU version of a retailer’s site with prices displayed in euros, but in fact was a UK company with items shipped from the UK.   

### Watch out for foreign exchange fees
Some EU-based retailers may only transact in euros (and vice-versa, if you're based in the EU and shopping in the UK). If so, you could end up paying any VAT or custom fees in euros (or vice-versa), which might result in foreign exchange and/or bank charges. Avoid this by paying in your local currency where you can, or use your Monese EUR/GBP account to pay for your orders. With your Monese multi-currency account, you can send money instantly to and from your GBP and EUR accounts at great exchange rates.   

### Read the terms and conditions
Online shops like [Amazon](https://www.amazon.co.uk/gp/help/customer/display.html/?nodeId=201910710 "About Import Fees Deposit") and [eBay](https://www.ebay.co.uk/help/buying/paying-items/paying-tax-ebay-purchases?id=4771#:~:text=Value%20Added%20Tax%20(VAT)%20generally%20applies%20to%20purchases%20by%20EU,pay%20VAT%20and%20customs%20duty "Paying tax on eBay purchases") have stated that they’ll start to charge the VAT at the time of purchase for orders to the UK and vice versa. But you'll still need to be careful when ordering from other shops online as not all have implemented this tactic yet. 

You’ll be required to pay up before receiving any packages. Even if you reject the box because you refuse to pay the new extra charges, firms are changing their terms and conditions. Some state you're liable for the supplementary costs, regardless of whether you reject and return the parcel. So read the fine print before buying. 

At the same time, make sure you have a clear understanding of the return, refund, exchange and order cancellation policies before buying any items. 

### Keep your receipts
If you know you’ve already been charged the full VAT at the time of purchase, don’t pay it again if a courier demands it. Show proof of payment on your receipt (like on your order confirmation email) and reject the parcel. Then, contact the company and explain they didn’t declare the VAT properly and you were unable to receive your item. 

### Pick up in-store 
One way to avoid any extra charges upon delivery to your home could be to pick up your purchases in-store. This is an option if the retailer has physical stores in your country.   

### Know your rights 
If you’re in the UK, your [consumer rights](https://www.which.co.uk/consumer-rights/advice/how-will-brexit-affect-my-consumer-rights "How will Brexit affect my consumer rights?") will be unchanged following Brexit, even when shopping in the EU. However, any disputes around hidden costs and the like can no longer be settled in UK courts. Instead, it’ll have to be resolved in the courts of the country where the seller is located, making it more challenging. Likewise, your EU consumer protection legislation may no longer apply in the UK if you’ve bought something from a UK business and an issue arises. 

If you want to return an item later on, be aware that some additional charges may apply if you’re sending something back to the EU or vice versa. 

### Be vigilant of scams
Fraudsters are taking advantage of all the confusion and uncertainty and targeting recipients with SMS messages asking them to pay for the release of parcels, etc. Double-check any messages and don’t click on links you’re suspicious or unsure of. If you’re not sure about fees you’re being charged, it’s best to call the courier company using an official number to verify the charges and what you owe.  

### Shop locally 
Suppose you truly want to avoid the hassle of these new taxes and customs charges. In that case, it's best to avoid shopping from abroad at all — at least until things iron themselves out, which could be a while as businesses get used to the new rules. If you’re in the EU, shop locally or from other EU countries, and if you’re in the UK, buy from shops you’re sure are UK retailers.  

<br/><br/>

Are you still buying from other countries post-Brexit? What issues have you encountered while shopping online from retailers abroad? Let us know on [Facebook](https://facebook.com/MyMonese "Monese official Facebook page"), [Twitter](https://twitter.com/monese "Monese official Twitter page"), [Instagram](https://instagram.com/monese "Monese official Instagram page") or email us at [community@monese.com](mailto:community@monese.com). 

Covid19-Shopping

Blog post > Your money or your parcel

Your money or your parcel

What you need to know about the new EU-UK shipping taxes

As another New Year swings around, many of us start thinking about our finances and how we can improve our savings and spending habits in the next 12 months. 

We recently ran a poll with 1,000 UK adults and learned that more than eight in ten (83%) of us have at least one financial goal for the year ahead. Setting money aside for a rainy day (37%), hitting a savings milestone (26%) and putting cash aside for travel/a dream holiday (25%) all came out on top. Two in ten (20%) also told us they wanted to reduce their outgoings in 2021. 

So, if you want to spend less and save more, where do you start? We’ve put together a few top tips to help you get going.

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## 1.	Know what money you have coming in and going out
Whether you get paid weekly, fortnightly, or monthly, it’s important to know exactly what money you expect to receive and what your consistent ‘essential’ costs are. These are things like your rent/mortgage, bills and food shopping. 

With Monese, you can download your statements from your app in PDF or Excel format for any date range you choose. This makes it easy to get a clear view of your income and expenses.

## 2.	Set yourself a budget
When you know what money you have coming in and going out, you can determine what is leftover — money you might want to save, or spend on little luxuries (or a bit of both).
With Monese, you can easily set yourself a weekly or monthly budget, to make sure you don’t go over your set limit.

## 3.	Track your spending
With Monese, you get a [Spending Overview feature](https://monese.com/features/budgeting "Budgeting made easy") that shows you what you’ve spent so far that week/month in the app. You can also set up instant notifications every time you make a purchase. These features allow you to stay on top of your spending and know exactly where every hard-earned penny is going. One in five (19%) people we polled said they couldn’t say how much they’d spent at the end of each calendar month, so getting a grasp on this is a great place to start.

## 4.	Save money automatically
If you know what date you get [paid](https://monese.com/blog/receive-salary "How to receive your salary in your Monese account") on, it’s useful to set up a recurring payment into a [savings pot](https://monese.com/features/pots "Save with Pots") on that same date (or the day after). That way, the money you want to save is moved across before you’ve had a chance to spend it! With Monese, you can set up as many as ten different savings pots — you could have one for a holiday, one for a car, one for a new phone and one for a rainy day. It’s completely up to you. Naming your savings pots can help it to feel more ‘real’ too. 

## 5.	Send spare change to a savings pot
Something as simple as rounding up each payment and automatically sending the difference to your chosen savings pot can help you hit your goal even quicker. With Monese, you can multiply your spare change by up to 10, allowing you to save up to 10 times more money!

<br/>

Whatever your financial goals for 2021, [our features](https://monese.com/features "Features for better money management") make it easier to budget and manage your money. Take a look at our [products](https://monese.com/products "All your Monese accounts in one app") and [plans](https://monese.com/pricing "Our pricing") to see what could be the best fit for you. We’d love to hear about what your money and savings goals are for this year. Share your plans and any other savings tips and tricks with us on [Facebook](https://facebook.com/MyMonese "Monese official Facebook page"), [Twitter](https://twitter.com/monese "Monese official Twitter page"), [Instagram](https://instagram.com/monese "Monese official Instagram page") or write to us at [community@monese.com](mailto:community@monese.com "Email us").

<br/>

__Data Sources:__ *1,000 UK adults polled by The Leadership Factor in January 2021*

Savings 1920x1080

Blog post > Five tips to help you achieve your financial goals in 2021

Five tips to help you achieve your financial goals in 2021

More than eight in ten people have at least one financial goal this year

As many countries across Europe keep going in and out of full or partial lockdowns, it’s clear that we shouldn’t count on a definite end to this pandemic in the next few months. While biotech and pharmaceutical companies have made progress on the Covid-19 vaccine front, it’ll still be a while before they're manufactured and distributed. Therefore, we should prepare for lockdowns still to come well into the holiday season and afterward. 

Plus as the weather gets cooler, many of us are probably spending our time indoors these days anyway. But at this point, you may have run out of ideas on what to do while you’re stuck at home again. So we’ve created a roundup of tasks you can take on to help get you through any other lockdown and keep you busy. Hopefully, this will help you pass the time while staying efficient at the same time. 

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## Revisit your savings and budgeting goals
![Monese glass jars and gold coins](//images.ctfassets.net/96dxy75w1gjr/34KBnRIcN1ETiNsiEr4eUr/1b6c8e34ee475b59f04ac0f7dd54d3d8/Savings_1920x1080.png)

To help get you through the next few months, this might be the perfect time to rethink your [financial plan](https://monese.com/gb/en/blog/financial-goals-2021 "Five tips to help you achieve your financial goals in 2021"). Take a look at what needs adjusting and come up with a game plan to make it happen. You’ll feel much better and more in control of your financial situation once you’ve modified where needed! Remember: it’s never too late to get back on track. 

## Review the services you’re paying for
![Money paperwork](//images.ctfassets.net/96dxy75w1gjr/20cqqF97KFtFLzxMUkLHRO/d3b213e266671978f15345fd086972fe/Managing-your-money-in-crisis_3f4868c4b26d42bdbc5c1cc73be46c1f.jpg)

While you’re at it, this might also be an excellent time to review some of your regular spending and subscriptions and find out where you could afford to cut back. If you don’t know where to start, we’ve got your back. We’ve gathered some common services you can revisit to help [keep your spending in check while self-isolating](https://monese.com/blog/2020/04/keep-spending-in-check-self-isolating "Money management tips while self-isolating").

## Read up on the latest scams 
![Desktop scam alert](//images.ctfassets.net/96dxy75w1gjr/7uYLlKwDH6QwVMDe3W6onk/8d54788515246a01098b44f887b44f30/112-Avoiding-Scams_50390c38ed0094a386d62c09f1033516.jpg)

Since we’re all spending so much extra time at home, this also means a lot of us are spending extra time online. Plenty of scams are making their way across the [web](https://monese.com/blog/black-friday-fake-website "Tips for spotting a fake website"), so it might be worth taking time to educate yourself on some of the latest [coronavirus scams](https://monese.com/blog/avoiding-coronavirus-scams "Tips for avoiding Covid-19 scams") and [types of financial fraud](https://monese.com/blog/halloween-financial-fraud "Trending financial fraud and scams") that have been floating around this year.  

## Talk money with your significant other
![Heart joint account cards](//images.ctfassets.net/96dxy75w1gjr/3dWzfAthFYtU3S0zalpJnW/ab2b9d41ce83911e234e0cf5a0faf517/Vday-Blog-Header_50390c38ed0094a386d62c09f1033516.jpg)

Speaking of money and budgets, when was the last time you talked to your partner about your joint finances? Last month? Last year? Never? Well, not a problem because we’ve got you covered with some of the [best ways to approach the taboo topic](https://monese.com/blog/2020/02/talking-finances-partner-taboo-topic "Talking finances with your partner "). Since many of us are spending so much extra time indoors with our spouses, this might be the best opportunity to sit down and discuss your financial goals together. It’ll bring you closer as a couple, and you’ll be that much more in-sync. Take advantage! 

## Work from home productively 
![Work from home setup](//images.ctfassets.net/96dxy75w1gjr/1RV3dunlFXoi2o4SW9zHF8/9ceb1ea5401b14c1567edf88be3095e5/Hero_200320_143447_50390c38ed0094a386d62c09f1033516.png)

Still working remotely? There are ways to make sure you’re doing so efficiently. Here at Monese, our UK team continues to work from home. We thought it’d be helpful to ask some of our team members how they’ve adjusted to telecommuting this year, plus any tips they might have. Luckily for you, they had [plenty of advice](https://monese.com/blog/2020/03/stay-sane-working-remotely "WFH tips ") to share. And if you’re a parent working from home with your children, our team had lots of great [suggestions](https://twitter.com/monese/status/1245716282063892481 "Twitter thread ") for handling this as well!  

## Pick up a side gig 
![Gig economy worker data](//images.ctfassets.net/96dxy75w1gjr/64T2FnaZYfcSV2teYDnAT1/bebcbc08710342108f7d7ddeea487c1a/Hero_50390c38ed0094a386d62c09f1033516__1_.png)

Speaking of working from home, we’ve made a list of [jobs you can do right from the comfort of your couch](https://monese.com/blog/work-from-home-jobs "WFH jobs"). If you’re looking for time to kill on the weekends or are strapped for cash these days, consider picking up one of these gigs. From online teaching to data entry jobs, you’re sure to find something on our list that suits your skills.  

## Build your emergency fund
![Lifebuoy ring in water](//images.ctfassets.net/96dxy75w1gjr/3I7vX6guSETRzsvjeYsJjo/8b8ff8654adc96c9362bacd296f21278/Emergency-Fund_3f4868c4b26d42bdbc5c1cc73be46c1f.jpg)

On the topic of extra funds, it’s important to continue contributing to your emergency fund when you can or when you have a surplus of income — especially during these unprecedented times. Just knowing that you have a cash cushion to fall back on will help you feel more at ease and prepared for a hazy post-pandemic future. If you don’t have an emergency savings pot, check out how to start one [here](https://monese.com/gb/en/blog/emergency-fund "How to build your emergency fund").   

## Watch, read and listen to this 
![Headphones](//images.ctfassets.net/96dxy75w1gjr/4HyjDDZqEbzaZfzyNUHBhn/39f42fa557fd961c15d0b2e374ca24f1/Podcast_1920x1080.png)

We’ve created a list of [movies, documentary series, books](https://monese.com/blog/2020/05/books-movies-money-management "Finance recommended books, movies and series "), even [podcasts](https://monese.com/blog/money-podcasts "Money podcasts") that’ll teach you to better manage personal finances. So instead of binging on the next recommended mindless series on Netflix, why not learn something new and useful instead? This is sure to keep you and the whole family entertained for hours. 

## Travel the world...from your couch 
![Window sill](//images.ctfassets.net/96dxy75w1gjr/7fdxhNWizLaGvWD2D9gL1p/9d8c9c2f688db31fac6734189970c3e4/1920-Labor-day_3f4868c4b26d42bdbc5c1cc73be46c1f.jpg)

When you do need a break from all the learning and planning, see the world from the safety of your own home. At the top of the outbreak, we put together a list of museums, zoos, botanical gardens and famous landmarks you can visit [virtually](https://monese.com/blog/virtual-travel-entertainment "Virtual escapades"). 

<br /><br />

As Covid-19 cases continue to rise across Europe, how are you preparing to get through more lockdowns? We’d love to know what your plans are this time around. Let us know on [Facebook](https://www.facebook.com/MyMonese "Monese official Facebook page"), [Twitter](https://twitter.com/monese "Monese official Twitter page"), [Instagram](https://www.instagram.com/monese/ "Monese official Instagram page") or drop us a line at [community@monese.com](mailto:community@monese.com "Email us"). 

Things-To-Do-At-Home

Blog post > Getting through more lockdowns

Getting through more lockdowns

Things to do at home while you self-isolate 

Getting through more lockdowns 

If you don’t want to be stuck celebrating Christmas in January, it’s best to start your holiday shopping early this year. And by early, we don’t mean Black Friday — even earlier! [Amazon](https://www.reuters.com/article/uk-amazon-com-results/amazon-sees-pandemic-boosting-holiday-sales-and-investment-in-delivery-idUKKBN27E3D6) is anticipating a record-breaking year of sales this Christmas season and has even gone as far as saying that keeping up with demand will be “tight” across the entire online retail industry. Therefore, they’re advising shoppers to get a head start. 

The good news is some online shops have already started rolling out early Black Friday deals, so you don’t necessarily have to wait to get spending! Here’s how to tackle your holiday shopping, so you get everything in time. 

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### Set your budget 
First, [figure out how much you can reasonably spend](https://monese.com/blog/rethinking-2020-budget) on gifts this year, and for who. Remember that we’re still in the middle of a pandemic and an economic crisis. It’s been an unprecedented year, so if you’re struggling or can’t spend as much this season on your loved ones, that’s okay! Your friends and family should understand — we’re all in the same boat, after all. Therefore, cut back if you need to and don’t feel guilty about it. That said, with a little bit of planning and saving, there’s still a way for you to make someone’s Christmas extra special. We have a holiday [gift guide](https://monese.com/blog/last-minute-christmas-gifts) that’s good for all budgets. 

### Shop online 
Because of Covid-19, many people are opting (or forced) to shop online instead of in-store. Expect the same for the holiday shopping season this year. Shopping online certainly has its pros like shopping from the safety of your home. But one of the biggest cons is that it can also be trickier, even riskier if you don’t know how to keep yourself protected. Luckily for you, we have top tips for [shopping safely online](https://monese.com/gb/en/blog/tips-shop-safely-online-black-friday) so you can avoid being scammed. 

### Take advantage of the sales 
As mentioned, many sites are already offering excellent deals, so you’ll definitely want to make the most of them. Take your time browsing and bookmarking your favourite online shops to see if you can score better deals elsewhere for specific items. You’ll save and get more for your money, the people in your life will be happy and most importantly, your wallet will thank you later! 

### Don’t procrastinate
Don’t wait until the last minute to get all your shopping done. In a year like this, last-minute shopping is just not feasible. Keep in mind that deliveries may take longer than usual this year, so it’s better to shop early and be prepared to wait a while for your items. If you plan your time wisely, your gifts should arrive well ahead of Christmas morning, just in time for your special celebrations.

### Buy small and locally 
Consider shopping from local shops in your area as small businesses could really use the help right now. Small retailers may not even have the ad money to compete for your attention the same way giant online retailers can, so be sure to seek them out. Don’t ignore them as it might even be a way to get your products in earlier if you’re worried about things arriving on time. A local shop won’t have such a large queue of customers or huge orders to fill. 

### Send a money gift
Worse comes to worst, never underestimate the power and kindness of a generous gesture. If you run out of time or forget someone on your Christmas list, why not send them a little something via Monese? With your app, you can move money instantly to your friends and family’s Monese accounts, no matter the currency. You can even type them a nice note, which they’ll see under the payment’s reference. Have relatives abroad? With our [money transfer](https://monese.com/money-transfers) service, you can [send money internationally](https://monese.com/blog-list?cat=money-transfers) (outside of the UK and EEA) to your loved ones back home. Let them know you’re thinking of them during this most wonderful time of year.   

<br /><br />

Remember, the earlier you get all your Christmas shopping out of the way, the less stressed you’ll be. How are you tackling holiday shopping amidst the circumstances? Let us know your game plan on [Facebook](https://www.facebook.com/MyMonese), [Twitter](https://twitter.com/monese), [Instagram](https://www.instagram.com/monese/) or email us at [community@monese.com](mailto:community@monese.com). 

Happy shopping! 🎁

Christmas Shopping Guide - 1920x1080 (1)

Blog post > How to do your Christmas shopping in 2020

How to do your Christmas shopping in 2020

Holiday shopping will be a little different this year — here’s your game plan 

At the start of the year, we shared our tips for setting your [savings goals for 2020](https://monese.com/blog/savings-goals-2020). But no one could have predicted what was to come. It wouldn’t be surprising if the plans and budgets you set for yourself back then didn’t make sense anymore. And while budgeting can be stressful enough, it can be even trickier amid an ongoing pandemic. 

Nonetheless, it’s always a good idea to go back and reevaluate your budget to set yourself up for better spending habits in a post-Covid-19 world. So with that in mind, we’ve gathered some areas of your budget that may need another look to help get you through the last few months of 2020.

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### Transport expenses 
Are you still [working remotely](https://monese.com/blog/stay-sane-working-remotely) and not commuting as often (or not at all)? Can you afford to lose your monthly public transport pass, even if just for the time being? If so, this is something you might want to consider doing. And this is only one example of areas in your budget that you could consider adjusting. For more ideas on where you might be able to cut back, go [here](https://monese.com/blog/keep-spending-in-check-self-isolating). 

### Holiday money 
If you were planning a getaway this year that you weren’t able to make due to coronavirus travel restrictions, your holiday money could now go towards something else. If you’re having trouble getting a refund back from an airline or other travel company, read our advice [here](https://monese.com/blog/struggling-to-obtain-flight-or-holiday-refunds-heres-what-to-do). You can save, invest or put your 2020 travel money towards a different area of your budget instead. This could be areas that may require an increase due to the pandemic, such as... 

### Food and groceries 
This is probably where you might be allocating most of your budget now with all the extra time spent at home. Some of us were used to eating snacks at the office or drinking coffee provided to us by our workplace — well, not anymore! These expenses are now coming out of the pockets of many [at-home workers](https://monese.com/blog/work-from-home-jobs), so what you would have budgeted last year for food and groceries may have understandably gone up in 2020. So for the remaining few months, continue to be generous with this area of your budget. 

### Christmas spending
It seems hard to believe, but the holiday season is less than 100 days away! And given the unprecedented circumstances, you may want to start preparing even earlier this year. But remember to stay reasonable. If you need to cut back, do it. While you may have wanted to go all out for your loved ones this Christmas, keep in mind that we’re still amid a pandemic and an economic crisis. Therefore, your holiday shopping budget may not be as big as usual — but your true friends and family should understand. So make a list, check it twice and, most importantly, stick to it!  If you’d like some budget-friendly gift ideas, check out our [guide](https://monese.com/blog/last-minute-christmas-gifts).  

### Emergency savings
If this coronavirus has taught us anything, it’s that every budget should include an area for emergency savings. We could be in for another wave, so it’s best to be prepared and plan for an uncertain future. So if you can tuck some money away, do so. If you need help getting started on building an emergency fund, you can learn more [here](https://monese.com/blog/emergency-fund). 

Don’t forget to take advantage of Monese [pots](https://monese.com/blog/better-pots) to help keep your savings separate from your day-to-day spending. You can even build up to 10 pots to save for different parts of your budget all at once. Round up your transactions and multiply them by up to 10 to help you save even faster. Finally, remember to set your weekly or monthly budget in your app, and check your [spending overview](https://monese.com/blog/simple-spending-overview) screen often to make sure you’re staying on track. 

With all that said, when redoing your budget, it’s important to reflect and examine the new lifestyle you’ve adopted in 2020. What are some habits you’ve picked up this year that you’ll stick to when this is long over, and which are only temporary lifestyle changes? For example, if you’ve truly gotten used to cooking at home and are loving it, you may no longer have a need anymore to allocate such a large part of your budget towards entertainment and eating out. 

What areas of your budget have you had to majorly rework this year due to the outbreak? Let us know on [Facebook](https://www.facebook.com/MyMonese), [Twitter](https://twitter.com/monese), [Instagram](https://www.instagram.com/monese/) or drop us a line at [community@monese.com](mailto:community@monese.com).

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Blog post > Rethinking your budget to get through the last of 2020

Rethinking your budget to get through the last of 2020

Areas of your financial plan you should go over again

Due to Covid-19, many of us have gotten used to [working remotely](https://monese.com/blog/2020/03/stay-sane-working-remotely). In fact, the pandemic may have changed the face of traditional work forever — remote work may very well be the new norm. Even if you do return to your regular office and job as things open back up, it’s now more important than ever to [be prepared with a little extra cash](https://monese.com/blog/2020/05/emergency-fund). We really don’t know what we’re in for post-Covid-19 or how recessions will continue to affect us in the long-term. 

So we’ve gathered some ideas of jobs you can do from home if you’re still choosing to social distance, or if you’d just like to earn a little extra something during these unpredictable times. 

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## Online teacher or tutor 
With so many schools closed, this could be a good side gig to look into. Plus, the parents could certainly use a break from homeschooling their kids! So if you’re skilled in math, literature or even a foreign language, teaching a summer class or two online this year might be an excellent opportunity for you. Some websites to help you with your online teaching job hunt include: 

- [Teachaway.com ](https://www.teachaway.com/teaching-jobs-abroad/online-teaching-jobs/all-positions/any-subject/any-level)
- [Cambly](https://www.cambly.com/english?lang=en)
- [Tutlo](https://en.tutlo.com/apply-to-tutlo/)
- [Lingoda](https://www.lingoda.com/en/)

## SEO copywriter or translator 
Whether you’re a technical writer, translator, SEO specialist or brilliant web copywriter, there are still plenty of organisations that need these skills — perhaps even more so during the outbreak! After all, constant, transparent and open communication is what many customers and clients expect from their service providers during these times of uncertainty. Put those writing and editing skills to work (from home, of course) and check out these sites for your next opportunity: 

- [Smartling](https://www.smartling.com/)
- [Online Writing Jobs](https://www.onlinewritingjobs.com/)
- [Problogger](https://problogger.com/jobs/)
- [BloggingPro](http://www.bloggingpro.com/jobs/)

## Software development
If you know how to code, a side job as a software developer or engineer is pretty much work you can do from anywhere, anytime. And depending on the company you’re freelancing for, the pay may not be too shabby either! If you’re interested in going down this tech path, visit these sites to help you with your search: 

- [Landing.jobs ](https://landing.jobs/)
- [EuroTechJobs](https://www.eurotechjobs.com/)
- [Honeypot](https://www.honeypot.io/)
- [Jobicy](https://jobicy.com/categories/dev "Remote programming jobs")

## Data entry
This is another job that doesn’t require a lot of equipment to get the job done. If you’re good, fast and accurate on a keyboard, you’re all set! For gigs in data entry, visit: 

- [Freelancer](https://www.freelancer.com/jobs/data-entry/)
- [Smart Workers Home](https://smartworkershome.com/jobs/?s=&category%5B%5D=remote-typing-dataentry-jobs)
- [NoDesk](https://nodesk.co/remote-jobs/?query=data%20entry)

## Customer service
Not all businesses stop just because of coronavirus. There are still plenty of companies in need of extra customer service firepower to answer more emails, calls or messages from clients. While this sort of job may not be ideal if you’re working from home with noisy kids in the background, our Moneser parents offered their tips on [working from home with children](https://twitter.com/monese/status/1245716282063892481) that could help. In the meantime, have a look at these sites for jobs in this field:

- [Remoters](https://remoters.net/jobs/companies/europe/)
- [We Work Remotely](https://weworkremotely.com/categories/remote-customer-support-jobs#job-listings) 
- [EU Remote Jobs ](https://euremotejobs.com/)
- [Work From Home Jobs](https://workfromhomejobs.me/remote-customer-service-jobs/)
- [Workew](https://workew.com/remote-jobs/support/)

## Take surveys!
That’s right — you can get paid to sit on your couch and share your thoughts and feedback all day! This is actually an essential way for companies to conduct crucial market research and collect feedback from consumers. With some sites, you earn points for every survey you take, which are then redeemable for cash, gift cards or other cool prizes. Some of the most popular sites for this line of work are: 

- [LifePoints](https://www.lifepointspanel.com/home?language_content_entity=en)
- [Toluna](https://us.toluna.com/#/)
- [SurveySavvy](https://www.surveysavvy.com/) 
- [PrizeRebel ](https://www.prizerebel.com/index.php?r=128)
- [Pinecone Research ](https://members.pineconeresearch.com/#/Homepage)

## User tester
Similarly, many brands and companies will pay you to help them test their products. They do this to always improve their website, app, services, interface, features and check for any bugs. Places looking for testers include: 

- [IntelliZoomPanel](https://www.intellizoom.com/)
- [User Testing](https://www.usertesting.com/be-a-user-tester)
- [TestingTime](https://www.testingtime.com/en/become-a-paid-testuser/?-)
- [PingPong](https://www.hellopingpong.com/become-a-tester?r=g19y)

There are plenty of benefits to working remotely, such as setting your own hours and a better work-life balance. So if this is an avenue you wish to explore even post Covid-19, it’s definitely worth giving it a try. Monese was made for the flexible remote worker. With Monese, you can get paid right in your account no matter where in the world you’re working from. Easily receive your salary from your employer or the [companies you’re freelancing for](https://support.monese.com/hc/en-gb/articles/360000823239-I-am-a-Sole-Trader-and-would-like-to-open-an-account) by copying and sharing your IBAN details. You can do this right from your app to start getting paid for your services. 

[Sign up ](https://monese.com/download-now)

Have you picked up a side gig during this time? If so, let us know what sort of creative jobs you’ve gotten up to from home. Get in touch on [Facebook](https://www.facebook.com/MyMonese), [Twitter](https://twitter.com/monese), [Instagram](https://www.instagram.com/monese/) or drop us a line at [community@monese.com](mailto:community@monese.com).

WFH CASH LS

Blog post > Work from home jobs for extra cash 

We’ve gathered some ideas of jobs you can do from home if you’re still choosing to social distance, or if you’d just like to earn a little extra something during these unpredictable times. 

Work from home jobs for extra cash

Gigs you can do remotely to help you save for the long haul

Work from home jobs for extra cash 

Podcasts are certainly all the rage, and if you haven’t jumped on the bandwagon, now is the time. There’s an endless amount of content in the podcast world to help you better understand money and financially plan for your future, retirement, buying your first home, starting a business and tons more. To help get your feet wet, we’ve rounded up a list of some of the best shows out there so you can start listening today. 

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### It’s Your Money
Financial podcasts don’t have to be dull, and nothing proves this more than the Telegraph’s [It’s Your Money](https://www.telegraph.co.uk/its-your-money-podcast/) podcast. If you’re new to the podcast world, this 30-minute show is surely the right one to start with. Hosted by Investment Editor Laura Suter, it covers subjects such as consumer rights, money scams and more in a light and simple way. 

### FT Money Show
Have a hard time understanding financial markets and how major economic events affect you on a personal scale? Then this podcast from the [Financial Times](https://www.ft.com/ft-money-show) is for you. Get the latest information from personal finance editor Claer Barrett and FT journalists. Listen to top industry insiders breakdown current financial events and what the impact will be for everyday people. 

### The Disruptive Entrepreneur

If you’re an entrepreneur, small business owner or dream of becoming one, tune into this weekly [podcast](https://robmoore.com/podcast/) hosted by businessman Rob Moore for inspiration. You’ll hear guest interviews from the worlds of sports, entertainment, business, literature, culture and more. Moore is also the host of another podcast called [The Money Podcast](https://robmoore.com/the-money-podcast/), where he tackles personal finances and how to manage money. 

### Cash Chats 
Learn from personal finance expert Andy Webb as he [chats](https://podcasts.apple.com/gb/podcast/cash-chats/id1196341949) with bloggers, writers and other financial experts to help listeners learn how to make, save and manage their funds. From topics like automating your finances, how to save on your mortgage and dealing with debt, this is certainly one easy-listening podcast you’ll learn plenty from. 

### Money Observer
For investors or those interested in learning more about investing, tune into [Money Observer’s podcasts](https://podcasts.apple.com/gb/podcast/money-observer-podcast/id1483622060). It covers topics like funds, investment trusts, shares, pensions and more. You’ll definitely want to take notes as you’ll gain great insight and analysis in order to make the right money moves on every occasion. 

What other podcasts would you add to this list, and what’s been your biggest money takeaway? Let us know on [Facebook](https://www.facebook.com/MyMonese), [Twitter](https://twitter.com/monese), [Instagram](https://www.instagram.com/monese/) or email us at [community@monese.com](mailto:community@monese.com).

Happy listening!

Podcast 1920x1080

Blog post > Money podcasts to listen to right now

Money podcasts to listen to right now

Get out your headphones and tune into these finance shows 

It’s no secret that due to the coronavirus pandemic, it’s been a difficult time for many people worldwide. Some folks have been hit particularly hard financially, causing lots of stress on many households. While easier said than done, it’s important not to panic. When it comes to making crucial financial decisions, you need to have a clear mind to think things through thoroughly and not hastily. With that being said, here are some things you should and shouldn’t do when it comes to managing your personal finances during this ongoing crisis. 

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## Revisit your budget
Covid-19 took the whole world by surprise. Since it’s something many of us didn’t account for, it’s the perfect time to revisit those [money goals](https://monese.com/blog/2020/01/savings-goals-2020) you set out for yourself at the start of the year. Take a look at what needs adjusting and come up with a game plan to make it happen. You’ll feel much better and more in control of your financial situation once you’ve modified where needed!

## Review the services you’re paying for
Similarly, if money is tight at the moment due to the coronavirus crisis, this might be a good time to prioritise the [services](https://monese.com/blog/2020/04/keep-spending-in-check-self-isolating) and subscriptions you’re still paying for. Rank all the extras you pay for monthly such as premium TV packages, magazines, paid apps, etc. from the most important to least. Then start cutting out from the bottom at least until after the outbreak.

## Rely on your savings (and increase them if you can)
If you have an [emergency fund](https://monese.com/blog/2020/05/emergency-fund), now is the time to use it if you must. And more importantly, it’s time to increase your savings for the long-term as well. If you’re still working and able, continue to put money away — no one knows what the long-lasting effects of this outbreak will be, so it’s best to be prepared. Your savings goal should be between three to six months’ worth of household expenses (but if you can aim for more, the better).

## Use credit cards wisely
If you don’t have enough money tucked away for this period and need to rely on credit cards, do so at a minimum and only for purchasing essential items. If you must, you may also consider applying for a higher limit. Make sure you’re paying back at least the minimum amount each month. It might also be worth it to get in touch with your credit card company during this period. Some might be able to waive fees or interest rates under the current circumstances.

## Research government assistance programs
Many governments around the world are offering relief programs during the pandemic that you could be eligible for. If you need a break on student loans, mortgage, car, rent or utility payments, visit your official government websites to see what sort of grants they're providing. But as you research, be vigilant about the websites you’re visiting. There have been many fake sites created to [scam](https://monese.com/blog/2020/03/avoiding-coronavirus-scams) vulnerable people during these desperate times.

## Manage money from your mobile
During this pandemic, it’s essential we listen to our governments and health officials and practice social distancing by staying home. The good thing about Monese is that you can still handle all your finances from the safety and comfort of your home during this health crisis. With your app, you can quickly and easily send, request and receive both local and international transfers from friends and loved ones. And when moving between Monese accounts, it’s totally free and instant, no matter the currency.

## Help those in need
If you’re one of the lucky people who hasn’t been greatly affected financially by the pandemic, you’re in a great position to help others where you can. Now more than ever, it’s essential to support members of our community and small local businesses. Independent workers and employees in industries that rely heavily on tips are also likely to take the biggest hits. Therefore, donate, tip generously and buy gift cards and vouchers from local businesses to use at a later date. How are you managing your money during Covid-19? We’d appreciate hearing your advice. Share with us on [Facebook](https://www.facebook.com/MyMonese), [Twitter](https://twitter.com/Monese), [Instagram](https://instagram.com/monese) or get in touch at [community@monese.com](mailto:community@monese.com).

Managing-your-money-in-crisis 3f4868c4b26d42bdbc5c1cc73be46c1f

Blog post > Managing your money in a crisis

Managing your money in a crisis

Handling your finances during Covid-19

Given that we've been stuck indoors for a while now due to Covid-19, we've probably caught up on our favourite series by now. Some of us may have even finished reading a book or two during this time! Now, you may be looking for some new suggested material. So instead of watching the next recommended mindless movie on your favourite streaming platform, why not learn something while you’re at it? We’ve gathered some fantastic reads, movies and docuseries to watch that’ll teach you about good financial practices.

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### Book: Why didn’t they teach me this in school?
In this page-turner, author Cary Siegel shares 99 personal money management principles that everyone should live by, presented in eight broad lessons. The book covers everything from life lessons and tips on spending, budgeting and saving, managing debt and credit, investing and more. It’s an easy read for anyone looking for straightforward and clear advice on how to get their personal finances on track.

### Series: McMillions
The popular HBO documentary miniseries takes a look at the real FBI fraud investigation into the McDonald's Monopoly game scam that occurred between 1989 and 2001. It’s a fascinating show about how a man named Jerry Jacobson managed to swindle $24 million from the fast-food giant! So aside from the obvious lesson of not stealing and committing fraud, what’s the other money takeaway from this? Well, the series also follows the different stories of people involved in the scheme, one of whom is Gloria Brown — a woman who ended up remortgaging her home in order to pay a shady character to become part of the illicit activity! She became one of the million-dollar “winners” but didn’t take into account what she’d have left over after taxes and after paying the fraudster the percentage she owed him for the big win. Huge money mismanagement is an understatement.

### Book: You Are a Badass at Making Money
If you’re looking for a fun read, this is it. This memoir takes a humorous angle on personal money management. It provides tips to nix certain bad financial habits and tricks to improve how you handle your funds all from the personal and candid experiences of Jen Sincero — a #1 New York Times bestselling author and success coach. Pick this book up today if you need a good chuckle.

### Movie: Becoming Warren Buffet
Get inspired by the life story of one of the greatest investors in the world. In this HBO film, you’ll meet a young boy from Omaha, Nebraska, and learn how he ended up becoming one of the richest people on the planet. Be sure to have pen and paper handy though as Buffet shares nuggets of wisdom in this documentary. You’ll learn the secrets to his massive success, investing — even how he chooses his breakfast sandwich at McDonald’s every morning (hint: it all depends on how the stock market is doing).

### Book: The Total Money Makeover
Interested in building your emergency fund? Five-time New York Times bestseller and finance coach Dave Ramsey explains how. In his book, you’ll also learn about useful money habits, the 10 most dangerous money myths to watch out for, and how to pay off your debt and retire comfortably. It’s never too late to start learning and saving for the future — or the next pandemic!

### Movie: The Founder
This entertaining biographical film tells the story of how McDonald’s was born and the McDonald brothers who founded the worldwide famous fries and burger joint. It also follows the story of fast-food tycoon, businessman and visionary Ray Kroc, who took McDonald’s and expanded the restaurant, turning it into what it is today — an iconic global franchise. While we don’t want to give away any spoilers in case you haven’t seen the movie, the biggest lesson you’ll take away from this comedy-drama is to always get everything in writing — especially if it involves money!

### Book: Your Money or Your Life
This book claims to transform your relationship with money and achieve financial independence in just nine simple steps. Why not give it a go? This is also an excellent read for those who want to cut back or tend to overspend. The book will teach you to live frugally instead and how this can lead to a happier life!

### Series: The Ascent of Money
To truly begin to understand money and how the economy and global markets work in the context of the modern world, you’ve got to know its history. Where did money come from? In this captivating documentary, Professor and author Niall Ferguson takes you through the evolution of money, bond markets, insurance and much more. It starts with the origin of credit and ends with understanding globalisation.

### Book: The Millionaire Next Door
If you’ve dreamed of becoming a millionaire, this is just the book to motivate you! The authors explore the seven common traits found in millionaires, most of whom live shockingly frugal lives. It’s how the rich stay rich. The book will also teach you how to accumulate wealth without a high-profile job or degree.

### Movie: Confessions of a Shopaholic
Don’t be fooled by the light-hearted wholesomeness of this romantic comedy — you’ll actually learn quite a bit about money and credit in this funny, easy-to-watch movie. The fictional film follows the life of writer Rebecca Bloomwood who drowns herself in credit card debt and ends up losing her job! She eventually lands on her feet and gets a job working at a savings magazine as a financial journalist (ironically).

Have any other recommendations to get us through this lockdown? Get in touch and let us know on [Facebook](https://facebook.com/MyMonese), [Twitter](https://twitter.com/monese), [Instagram](https://instagram.com/monese) or email us at [community@monese.com](mailto:community@monese.com).

Happy reading and watching!

movies and books 3f4868c4b26d42bdbc5c1cc73be46c1f

Blog post > What to read and watch for better money management

What to read and watch for better money management

Add these gems to your list to help get your finances under control 

Throughout the coronavirus outbreak, now more than ever, people are beginning to realise just how important having an emergency fund truly is. They're instrumental as they can keep you from racking up unnecessary credit card debt or taking out loans you really can't afford when something urgent comes up. A good rule of thumb is to have enough savings to pay necessary expenses for three to six months (but the more the better). If you do have a cash cushion built up and have been able to rely on it during this crisis, great! But if you don’t, not to worry. In this post, we’ll explain how you can still save during the pandemic and slowly but surely start to build that emergency fund for the long-term. 

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### Set a goal
To start building your emergency fund, the first thing you should do is set a target of how much it is you’d like to save. If you’re just starting, your goals can be low, to begin with. This will help keep you motivated each time you reach a milestone. Then you can gradually increase your objective as you start to reach your smaller goals or as your financial situation improves. With Monese, you can quickly give your savings pot a goal to help with this. Easily keep track of how much more you need to reach your target right in your app.

### Start with something
People often worry they don’t have enough income to start saving, let alone building any kind of a cash cushion. But the crucial thing is to start with something, even if it’s a small amount at first. Slowly you’ll start seeing that piggy bank grow, and it’ll be so satisfying! If you get a higher-paying job or a promotion later on, you can then adjust the percentage you save to help build your emergency fund even quicker.

### Coronavirus savings
Even if you’re someone who isn't used to saving, you may not realise it, but you’ve probably been forced to save now anyway due to Covid-19. Just think about all the things that are closed during the lockdown, that you’re no longer spending money on: gym, cinemas, weekends away, restaurants, happy-hour drinks, commuting, etc. This is money you can easily set aside for your emergency fund now.

### Review your budget and spending
On a related note, the outbreak has forced many households to reorganise their budgets and monthly spending. This is the perfect opportunity to cut down by reviewing the [services](https://monese.com/blog/2020/04/keep-spending-in-check-self-isolating) you might still be paying and even overpaying for during the Covid-19 outbreak. Figure out where you can afford to cut back and then put this extra money towards your reserve instead.

### Save your tax refund!
Saving your tax rebate is an excellent trick for starting your rainy-day fund since it’s an extra income you don’t usually account for. While many people are quick to spend their tax refund on a vacation or blow it on shopping, you can save it instead and start your cash cushion with that. Plus, it shouldn’t be too hard this year either given that none of us are travelling or going anywhere anytime soon, so you’re even less likely to spend it! Keep in mind, though, that if you’re expecting your rebate around this time, it may be delayed this year due to coronavirus — but rest assured it’s coming!

### Make use of Monese pots
You need a safe place to store your money and keep it separate from your everyday personal funds and spending. That’s why we created our pots, which make it easy to save. Create a pot and name it your “cash cushion”, “emergency fund”, “rainy day” — whatever you wish! Then, you can easily round up your transactions, sending the spare change to your reserve fund. You can even choose to multiply this spare change by up to 10 to help you build your emergency fund even faster.

[Sign up now](https://monese.com/download-now)

### Save frequently
To make saving less daunting, it’s essential to get into a saving routine. Whether you choose to save once per week or once per month, the crucial thing is to pick a time and stick to it as best as possible. For example, a good idea is to save each time you get paid. This will get you into the habit of saving and not give you the chance to blow your pay cheque before putting towards your savings. With Monese pots, you can quickly set up recurring payments to your pot to automate your savings as well.

### Don’t touch your reserve
A way to keep your emergency fund intact after months of putting money towards it is not to spend it unless it’s truly an emergency. An emergency fund should be different from saving for an annual vacation, home renovation, paying off a mortgage or other debt. With Monese, you can create up to 10 different pots per currency account to help you save for more than one thing at a time.

Do you have any other ideas to help get a cash cushion started? We’d love to hear your suggestions! Get in touch on [Facebook](https://facebook.com/MyMonese), [Twitter](https://twitter.com/monese), [Instagram](https://instagram.com/monese) or email us at [community@monese.com](mailto:community@monese.com) to share your tips.

Emergency-Fund 3f4868c4b26d42bdbc5c1cc73be46c1f

Blog post > How to build an emergency fund

How to build an emergency fund

Saving for the rainiest of days using Monese pots 

The coronavirus (Covid-19) outbreak is continuing to impact people and lives worldwide, and it’s also begun to take its toll on economies and global markets. More than likely, these effects will be felt for a long time to come, well after the outbreak.

Small businesses, independent workers and employees in industries that rely heavily on tips are unquestionably the most vulnerable in times like these and likely to take the biggest hits. That’s why it’s more important than ever to support local businesses in our communities. 

At the same time, it’s also a good chance to review some of your regular spending and find out where you could afford to cut back. Here are some tips to get you started... 

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### Gym membership
If you're stuck at home, there are countless [at-home workouts](https://www.businessinsider.com/best-free-virtual-workouts) you can find online and do right in your living room. So should you still be paying for a pricey gym membership? While many large gyms have put membership fees on hold (since they’re closed due to Covid-19), if you’re used to getting your workouts in at the local yoga studio or a smaller gym in your neighbourhood, they might need all the income they can get right now. 

Don’t cancel direct debit payments to help support smaller gyms and fitness instructors. Many places are offering credit or discounts in the long-term as an option, instead. Some small gyms are even offering live virtual classes in exchange for members paying whatever they think is fair. 

### Houseworkers
If you have a sitter, dog walker, cleaner, gardener or other houseworker, for their safety and yours, they might need to stay home for a little while. You could offer to still pay them, even if they can’t show up to your home for the time being. Instead, you could come up with a payment plan that you’re both happy with. For example, you could offer to pay them in full now, and get your money back later, in installments. Remember that for many people, this is what they rely on to take care of and provide for their own families. 

### Laundry and dry cleaning
Many people opt for additional services from their local laundromat such as dry cleaning because we’re too busy to do this ourselves and because we need our pressed, clean clothes each week for heading into work. But given that many people are working remotely these days, this is one additional thing you’ll certainly be spending less on. To still support your local laundromat, do your wash and dry with them as you’d normally do (even if it’s fewer clothes than usual), and support them by buying packages to use later on (such as for extras like steaming and ironing).

### Extra channels and other subscriptions
Whether it’s magazine subscriptions, paid apps, cable, expensive sports channels or multiple streaming services, this might be an excellent time to review everything you’re signed up for or have downloaded. Only keep what you’re most interested in and what you’re actually making use of &mdash; and put all the rest on pause. Or you may even consider downgrading and finding plans that actually work out better for you. 

It might also be a fantastic time to renegotiate your services. From your phone contract to your broadband subscription, many companies would rather offer you a better deal than lose you as a customer. Therefore, take advantage of this time to make a few extra phone calls to your service providers. It’ll be worth it as it can end up saving you some cash each month!

### Travel and holidays
When it comes to planned holidays, whether to [cancel or postpone your travel plans](https://monese.com/blog/2020/03/covid-19-travel-disruption) completely depends on your individual situation. Some accommodation websites, such as Airbnb, are offering full refunds on any bookings. But if you’re indifferent about when you travel and can reschedule your holiday, you can accept one of the flexible options that many companies are offering instead of cancelling. 

For example, many airlines are providing passengers with new travel dates or even vouchers which could be used for up to a year. It’s best to check your airline or travel agency's website for updates on what they can do for you under the circumstances. 

### Food delivery
Some people might hesitate to order food right now from local restaurants via popular delivery services like Uber Eats or Deliveroo, for fear of contamination and spread of the virus. However, in response to the outbreak, many of these companies have put in place extra measures for the protection of you and their employees. For example, many now include a contactless delivery option where your food can be left at the door. If you want to be extra cautious, pick up any food deliveries with gloves on, dispose of the packaging and wash your hands before eating. 

In general, though, the risk of contamination is said to be quite low when it comes to food delivery. Therefore, many experts say you can continue ordering food from your favourite apps. Many delivery workers depend on this job as their main source of income, so keep paying for your favourite meals and tip generously (you’re likely saving big on dining out anyway). 

### Daycares, summer camps and children’s classes
If you’ve signed your kids up for extracurricular activities, whether it’s dance, sports or summer workshops, consider postponing the classes instead of asking for a refund. Many small schools and local community organisations count on these enrollment fees to keep their programs up and running. Plus, many of the instructors will need this money now more than ever, so opt for a reschedule if you can. 

### Your morning coffee
You may be at home, thinking about all the extra money you’re saving by making your own morning cappuccino versus stopping into your local coffee shop on your way to work each morning. While this is a great way to save right now, you may want to think about buying gift cards at your corner store bakery, small coffee shop, neighbourhood pub or even local boutique to support community businesses in their time of need. You can then use your gift cards later, once everything’s returned to normal. 

Some coffee houses also sell their own pods for popular coffee machines, so it might be a good idea to stock up on some of your favourites!

We want to take this opportunity to thank gig economy workers for keeping our cities going in this crisis - from filling our supermarket shelves to delivering food to the most vulnerable; you’re helping us all to be social-distancing safely.

What services will you still be paying for during the outbreak? And which are you spring cleaning away? Let us know on [Facebook](https://facebook.com/MyMonese), [Twitter](https://twitter.com/monese), [Instagram](https://instagram.com/monese) or drop us a line at [community@monese.com](mailto:community@monese.com).

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Blog post > 8 ways to keep your spending in check while self-isolating

8 ways to keep your spending in check while self-isolating

And how to still help businesses while you’re at it

There are many people who choose to work from home on occasion. Other times, everyone, including those who aren’t used to working remotely, are strongly encouraged (or obliged) to work from home. In these cases, even those who’ve occasionally worked from home could experience a startling new shift due to prolonged periods inside. That’s why we’re sharing some essential work-from-home tips to help you keep cool if stuck indoors.

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### Create your space
Find a comfortable place in your home that’ll function as your exclusive workspace. Remember that you’ll want to keep your relaxation spaces and “work” space separate. This means avoid your bed, bedroom and sofa, if possible. Ideally, you’ll have a chair and desk (or a kitchen or dining room table will do). If feasible, make this space somewhere near a window or balcony. While you may be stuck inside, it’s always nice and healthy to get some natural light streaming through. It can also help keep you alert and boost your overall mood too! 

> I bought a scented candle, some nice plants and flowers to make my workspace cozier and prettier.

Our Paralegal Ella has found another cool way to spruce up her workspace while working remotely. “I bought a scented candle, some nice plants and flowers to make my workspace cozier and prettier”, she said. “It makes a difference for me and just makes things more positive. Plus plants are good for the air quality in your home”!

If you’re working from home with a partner or spouse, you may also want to set a designated “meeting” room. This way, you’ll each have somewhere private to go when you need to take or make calls without disrupting the other. 

Finally, before you settle in, make sure you have all the tools you need in your area to be as productive as possible throughout your day. 

### Keep it clean
You may feel more comfortable leaving dirty coffee mugs around your workspace now that you’re at home, and there are no colleagues around to judge you. As tempting as it may be, try not to do so. Keep your workspace at home as tidy as possible. Having too much clutter around your new space will only distract you and make you less productive. It can even have an impact on your ability to process information. 

### Follow a routine
![Visual-1](//images.ctfassets.net/96dxy75w1gjr/3mR0Gf5PyixSHQhne3QGkv/b7b61b2a57d1fea9dc325e9902001c94/Visual-1.png)

It’s important to have a set routine when working remotely. While it may be tempting to roll out of bed, grab your laptop and start working, having a routine in the morning will help give your day some normality. Wake up on time, make your bed, shower, get dressed (remember you’ll still want to look presentable for video calls), eat a healthy breakfast and then get started with your workday. This will help your days go a lot smoother. 

### Set boundaries
If you have children or a partner at home, communicate your working hours and areas, so they know when not to disturb you and which areas of the house to avoid. To help you stay focused and avoid any noisy distractions, you may want to work with some earplugs or noise-cancelling headphones. Boundaries can also be ones you set with yourself. Our QA Chapter Lead Leonel says: “Avoid watching news updates all day to keep you positive and sane. Instead, pick certain times of the day where you check in and then... turn off”!

### Stay in touch (virtually)
Working from home can quickly make you feel out of touch with colleagues and totally isolated. Therefore, take advantage of tools like Slack, Zoom, WhatsApp, Skype, FaceTime, Hangouts and so on. Hop on a quick call (or better yet, a video call) with a coworker if you need some human connection (figuratively speaking, of course). 

Our Lead Market Development Manager, Estefania, also reminds us to be understanding when it comes to this new form of communication with our colleagues. “We need to have some patience with the wifi connection”, she explains. “In Spain, for example, it’s completely saturated, so video calls don’t always work properly”. So if someone’s camera freezes or their microphone isn’t working properly, just laugh it off! As frustrating as it may be sometimes, remember that your team is doing their best. 

### Take breaks
![Visual-2](//images.ctfassets.net/96dxy75w1gjr/tXXvCDb2L6n8ITF3x5HBU/36ec9f8c3a9e740279b8b3f8599fb1d2/Visual-2.png)

Just like when working in the office, it’s good to take breaks from your workspace. Get up, walk around, stretch your legs and do something else that isn’t work-related for 5–15 minutes.

> My favourite break activity is cleaning up. Every time I feel I need five minutes away from my laptop, I go and put a wash on or do the dishes.

Our Content and Community Manager Karolina shares her tip for taking breaks. “My favourite break activity is cleaning up. Every time I feel I need five minutes away from my laptop, I go and put a wash on or do the dishes”, she said. “That turns my mind completely off, and I can come back to work fully charged. Plus, once I’m done working, I don’t have to do the cleaning anymore”!

Make sure you take time for lunch as well. Recruiter Gaili advises: “Block your lunchtime on your calendar &mdash; this way, your coworkers will know not to schedule any meetings with you during this hour”.

You’ll also want to eat foods to boost your immune system. Our Paid Media Specialist Puneet suggests: “Make yourself a nice home-cooked meal - not just microwave meals”. Don’t forget to stay hydrated too and drink plenty of water! 

### Stop working
Overworking is the fastest way to drive yourself crazy, especially when working from home. It’s easy to lose track of time when working remotely. Set alarms and timers, so you know when to sign off and shut off. 

Our Head of Design Joe shares his trick for helping his brain make the switch from “work” to “home” life.

> “I change into pyjamas in the evening, which helps me feel like I’m in ‘home’ mode”. 

Our Credit Product Analyst Jagoda proposes finding a new pastime to help you unwind once you’ve finished work for the day. “Find a hobby you enjoy to help you relax, such as yoga, reading, knitting, playing cards or a board game”.

### Exercise
Many of us already live a rather sedentary lifestyle &mdash; and working remotely promotes this even more so. Working from home means missing out on your daily commute to work and cuts into the little walking you may do as you head into the office, bus stop or tube station. That’s why it’s even more important to include some physical activity during your days working remotely. And don’t think you need a full-scale gym either to [break a sweat](https://www.bbc.com/sport/get-inspired/32416767) at home! 

Our Customer Support Agent Selman has found a great hack for keeping active: “I like to wake up a bit earlier and do some exercise. It helps keep me strong and motivated”!

__2 April update:__ We've asked Monese parents how they're coping with working from home with kids – check out the Twitter thread [here](https://twitter.com/monese/status/1245716282063892481).

How are you keeping sane while working from home? What advice do you have to share with our community? If you think you’ve mastered the art of remote work, we’d love to hear your top tips! Share them with us on our [Facebook](https://facebook.com/mymonese), [Twitter](https://twitter.com/monese), [Instagram](https://instagram.com/monese) or via email at [community@monese.com](mailto:community@monese.com).

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Blog post > How to stay sane while working remotely

How to stay sane while working remotely

Top tips for working from home to keep you healthy, happy and motivated

When people think of discrimination, they probably think of prejudiced treatment based on race, age or nationality. But did you know that there’s such a thing as IBAN discrimination too? While we hope this is something you never have to face, we want our community to be prepared for anything. We want to help you know what to do and the right steps to take in unfair situations such as these. 

But what exactly is IBAN discrimination, anyway? 

IBAN discrimination is when an employer, merchant or any other company in SEPA (the Single Euro Payments Area) refuses to accept your SEPA-enabled IBAN for euro payments or direct debits. This can happen when transacting online or in person and the organisation or salesperson is in direct violation of European law. So if this happens to you, what can you do about it? 

First, let’s start with some basics. 

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## What’s an IBAN?

IBAN, an internationally agreed-upon system, stands for International Bank Account Number and is associated with most bank accounts around the world. An IBAN is made up of up to 34 letters and numbers, which includes a country code, two-digit check number, branch identifier and account number. 

If you’re based in the UK, your Monese EUR account’s IBAN will have the GB country code. If you live outside of the UK (with the exception of France), your IBANs will start with BE. For account holders in France, your IBANs start with GB for the time being, but we’ll be able to update you on a better solution soon, so stay tuned.

## What’s an IBAN used for?

The IBAN is used to help identify bank accounts locally or across borders. With your Monese EUR account, you use your IBAN to send and receive domestic and international euro payments across SEPA countries. They include all the EU countries plus Iceland, Norway, Liechtenstein, Switzerland, San Marino, Monaco, Andorra, Vatican City and the United Kingdom. Essentially, it’s so that there isn’t a difference between national and international payments.

The benefit is that you can make and receive payments in euros without having to open multiple accounts. For example, if you're working abroad in the EU or wish to pay utilities in another country that’s part of SEPA, you can receive your salary and pay bills with your home country's IBAN.

## Where do I find my Monese IBAN?
![IBAN-Account-Details](//images.ctfassets.net/96dxy75w1gjr/14qO1KnUnOae703elK2xZm/fa8ce7be0696c6c26e1256ede9bc3672/IBAN-Account-Details.png)

You can find your EUR account’s IBAN on the Monese app under ‘Account details’. This IBAN will work for any SEPA transfers. If you need to receive money from outside the SEPA area, you’ll find your international bank transfer details here too. The payment delivery time usually takes around 1–3 business days. We don’t charge a fee for this but be aware that the sending bank may charge you a fee for transfers.

## What can I do if my IBAN is refused?

All organisations, employers and merchants operating in SEPA countries are obligated to accept IBANs from all SEPA member countries. IBAN discrimination is banned by law, as mentioned above. 

If your IBAN is refused because of length, country code or any other reason, try and explain to the seller, business or employer that the rejection is illegal. It could be that they’re misinformed or their IT systems haven’t been properly updated to accept certain IBANs. 

If this doesn’t solve the issue, try sending a formal, written complaint. If they’re still refusing to comply and your IBAN is still not accepted, make sure you try to get some documented proof of the rejection, whether that’s written, a screenshot or any other interaction you’ve had with them. 

Armed with this information, you can better support your explanation when you report them to your [local authority](https://ec.europa.eu/info/sites/info/files/art10-competent-authorities-05072013_en_0.pdf). Be sure to provide them with as much information as possible, the company’s details and how they can best reach you. 
Remember: you have the law on your side, so don’t be afraid to speak up if you feel like you’re being treated unfairly. 

If you have any other questions about your IBAN or SEPA payments, feel free to get in touch with our [Support](https://monese.com/eu/contact) team. You can also visit our Help Centre for more details on this topic.

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Blog post > IBAN discrimination (yes, there is such a thing!)

We want to help you know what to do and the right steps to take if faced with IBAN discrimination. 

IBAN discrimination (yes, there is such a thing!)

If your SEPA-enabled IBAN is refused, here’s what you should do

Whether you’re in a brand new relationship or have been with your significant other for some time now, talking about money with your better half can be&hellip; well, awkward. But we believe it doesn’t have to be! 

As hard as it may be, talking money is a big part of keeping and nurturing a healthy relationship with your significant other over time. Here are some of the reasons why talking finances with your main squeeze is so important, plus advice on how to best approach the often-uncomfortable subject. 

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### It can bring you closer as a couple
Talking about your spending habits and financial goals with someone you foresee a long-term future with is important. Tackling this topic early on can bring you two closer together and set a crucial foundation for you as a pair. Now, we aren’t saying to start sifting through someone’s savings and accounts on a first date. But once you’ve established the relationship and you’re comfortable enough to open up and talk to the person you’re seeing - go for it! Wait for the right moment to have the conversation, away from any distractions. Believe us; you’ll feel so much better afterward and that much more in sync with your significant other. 

### It’ll lead to better communication
Open and honest communication is key to the survival of any partnership. By being transparent with your companion, you’ll help your relationship truly thrive. By having conversations around finances &mdash; which can be difficult &mdash; it can help you both find the best ways to talk with one another. You'll learn to be sensitive to each other’s concerns, worries, doubts, expectations, goals and objectives. Ease into the subject, express your thoughts and listen to their ideas as well. Through this, you’ll both develop vital communication skills which you’ll need as you move forward together as a pair. 

### You can build on a future together
![Vday-Blog-Image](//images.ctfassets.net/96dxy75w1gjr/ufvU4ZVK5R9mHtYif9A8Y/d09697ddd9de2e5d790da344e17078d0/Vday-Blog-Image.jpg)

The longer a couple has been together, the more they start to take on dreams and goals together. This could be saving for their first romantic getaway together, moving in together, adopting a pet, purchasing a home, planning a wedding, or starting a family! All of these things cost money, which means that as your relationship progresses, you’ll eventually have to talk about sharing bills and these major costs together. 

This is where our recently launched [joint accounts](https://monese.com/eu/blog/2019/12/launching-joint-accounts) come in handy. They make it so much easier for duos to plan, save, budget and spend together - eliminating the awkwardness factor! With advanced features such as shared spending notifications and transaction feeds, you and your loved one can stay on top of your expenses and set up monthly budgets to reach your savings goals together. 

It’s incredibly fast, easy and free to open a joint account. When you do, you’ll both receive your own shiny, rose gold contactless Mastercard prepaid debit card to shop, spend and use separately.

With Monese joint accounts, anyone can be a perfect match! 

[Sign up now](https://monese.com/download-now)

### You’ll avoid problems later
One of the most common reasons spouses argue is over finances. Money is one of the leading causes of stress in relationships. Oftentimes, all the fighting and strain can even lead to the dreaded D-word (D-I-V-O-R-C-E). If you don’t plan and talk about your financial expectations and assets beforehand, you run the risk of finding out later that you really aren’t that financially compatible with your partner. It’s essential to be on the same page money-wise when it comes to spending habits and saving for your future together. 

So before embarking on a long and happy life together, ask each other the tough questions: How much debt do you have? Do you know your credit score? How much is in your savings? What am I expected to earn and contribute? What are your retirement plans? 

It’s also important to have a contingency plan for the worst-case scenario when it comes to money. This could be a plan for if one of you loses a job, or if you have to care for a sick child or parent. How will you support one another, financially, in these cases? 

Remember, when it comes to speaking about money, it’s all about finding common ground with your better half and coming to an agreement. It's time to get those taboo, yet necessary, finance conversations out of the way! You’ll both be better off for it in the long run. 

Already have a Monese joint account with your sweetie? We’d love to know how it’s working for you! How do you manage bills together? What are some challenges you faced or tips you’d give to other duos? Reach out to us and tell us your story via [Facebook](https://facebook.com/MyMonese), [Twitter](https://twitter.com/monese), [Instagram](https://instagram.com/monese) or email us at [community@monese.com](mailto:community@monese.com).

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Blog post > Why talking finances with your partner shouldn’t be a taboo topic

Why talking finances with your partner shouldn’t be a taboo topic

Plus, how a Monese Joint Account can help you!

It’s bright, relaxed and colourful &mdash; and therefore it’s no surprise that more and more people are looking to relocate to Lisbon. Whether you’ve been there before or haven’t, you’ve undoubtedly heard speak of the kind locals, fresh seafood and great weather. But before buying your one-way ticket, there are essential things to know and consider to help make your new start in Portugal as smooth as possible.

From applying for a visa to setting up an account in Lisbon, Monesers working out of our Lisbon office (many of whom are foreigners themselves) share their insight to help you on your exciting expat adventure.

### Fast facts
- Lisbon is one of the oldest cities in the world &mdash; older than Paris, London, and Rome.
- It hasn’t always been the Portuguese capital. Before Lisbon came Guimarães, Coimbra... and Rio de Janeiro! 
- The city was subject to one of the deadliest earthquakes in history: the Great Lisbon earthquake of 1755. 
- The timezone in Lisbon is Western European Standard Time (WET), same timezone as the UK. 
- Lisbon has a subtropical, typical Mediterranean climate, with an average annual daytime temperature of more than 20°C!

### Cost of living
![Lisbon-1-324](//images.ctfassets.net/96dxy75w1gjr/6vAsX8JqlXyrCp15vvwJ8X/08a75372d9ff5cc9bb49365f1c3a5f53/Lisbon-1-324.jpg)

It’s crucial to have a general sense of what the [cost of living](https://www.numbeo.com/cost-of-living/in/Lisbon) is like in Lisbon before moving. This way, you know how much to save and budget for before jetting off. Lisbon is known for being an ideal tourist and expat destination thanks to its rather low prices. For example, you can get an espresso (colloquially known as a *bica* in Lisbon) for less than €1 and a nice meal for two for around €35. That’s two times less than what you’d typically pay in London or Paris. But while cheap, you must also remember that the average salary in Lisbon is just €860. 

![Lisbon Table](//images.ctfassets.net/96dxy75w1gjr/4oigKwEI61MgsPAQWiQfMI/ebec2d36d71b721f9923635ba990dece/Lisbon_Table.png)

Björn from Sweden: “An awesome trick to reduce your costs is to buy groceries during promotions and discounts. Every week, various supermarkets offer different promotions with up to 50% discount, so be on the lookout for those”.

### Apply for a visa
You’ll first need to check if you need a visa to move to Lisbon. Portugal is a member state of the European Union (EU) and the European Economic Area (EEA). This means all EU/EEA nationals are welcome to enter the country with only their national ID cards. You will, however, need a residence certificate if you’re planning to stay longer than three months. 

Additionally, the country’s immigration policy also includes several international agreements with non-EU countries such as Australia, Brazil, Canada and the US. These agreements allow citizens from these countries to enter and stay in Portugal for up to 90 days. If you don’t come from one of the countries with an agreement, you’ll most likely need a residence visa and, depending on your situation, other [documents](https://gotoportugal.eu/en/visa-to-portugal/), including: 

- an acceptance letter from educational institute if you want to study in Lisbon 
- a contract of employment if you’re going to work or conduct research in Lisbon

Marina from Brazil: “I came to Lisbon on a student visa first. Once I found a job with a working contract, I became eligible for a residence permit. To apply for your visa or residence permit, be organised well in advance with the documents you’ll need to present at [SEF](https://www.sef.pt/pt/Pages/homepage.aspx), Portugal’s immigration service. You’ll want to book your appointment at SEF as early as possible as slots fill up fairly quickly”.

### Get a NIF 

If you’re planning on living and working in Lisbon, one of the first things you’ll need to obtain is a NIF. This is a tax identification number which you will need to legally work, rent an apartment, pay utility bills or even get a phone subscription. You’ll need to go to the nearest [Finanças](https://www.portaldasfinancas.gov.pt/at/html/index.html) with your ID and proof of address (either from Portugal or your home country). Keep in mind that if you’re deemed a non-resident or from outside the EU, you’ll likely need to appoint a fiscal representative who you should bring with you. After you successfully get your NIF, you’ll be able to start enjoying the benefits of being an officially recognised taxpayer in Portugal. 

Melissa (your humble author) from Canada: “After obtaining your NIF, be sure to apply for the non-habitual resident tax regime on the *Finanças* online portal if eligible. Highly skilled expats can receive a flat 20% income tax rate for ten years! Be sure to apply on time as well. You have until March 31”.

### Find housing
![Lisbon-19-resized](//images.ctfassets.net/96dxy75w1gjr/7DTzkP1zWodyFC6mdvOEz6/1ff678e638d9f1e8c0ed98150206b914/Lisbon-19-resized.jpg)

Lisbon is one of the most popular destinations for expats. With a surge of tourists and foreign investors, it’ll be tricky to find long-term accommodation straight away. This is true not only in the city centre, but the suburbs as well. With that in mind, you might want to book a short-term rental for the first several weeks of your stay. This way, you can start looking for a more permanent apartment once you’ve arrived in Lisbon and have had a chance to visit places in person. 

Many estate agents and private landlords operate on a first-come, first-served basis. To help with your search, try popular websites such as [imovirtual](https://www.imovirtual.com/), [Casa Sapo](https://casa.sapo.pt/), [Idealista](https://www.idealista.com/) or [BQuarto](https://www.bquarto.pt/) as well as Facebook groups. Don’t be shy about calling instead of emailing! Be aware that fraudsters and scammers have also been trying to capitalise on the popularity of the Portuguese city. Therefore, proceed with caution and be wary of anything that seems too good to be true.

Mathilde from France: “Living in the Portuguese capital is lovely but be prepared for a cold house during winter months. Most apartments in Lisbon don’t have heaters, so adjusting to a cold house is something that newcomers may find difficult. In the end, I did manage to convince my landlord to get me an air conditioner that doubles as a heater, so it’s worth asking”!

### Work in Lisbon
While finding an apartment may be difficult, landing a job shouldn’t be! Lisbon has been one of the most popular and fastest-growing tech hubs over the past several years. It’s no surprise many startups decide to make the Portuguese capital home to their headquarters. Along with Facebook groups and [LinkedIn](https://www.linkedin.com/), there are plenty of other sites listing job openings: 

[Indeed](https://www.indeed.pt/ofertas?q=&l=Lisboa%2C+Distrito+de+Lisboa)
[Glassdoor](https://www.glassdoor.com/Job/lisbon-jobs-SRCH_IL.0,6_IC3192045.htm)
[Emprego Sapo](http://emprego.sapo.pt/emprego/ofertas.htm/pais/portugal/distrito/lisboa)
[Startup Lisboa](https://www.startuplisboa.com/jobs)

We wouldn’t mind if you had a look at our own job listings [here](https://careers.monese.com/jobs). Apply to one of the open positions at Monese and join us on our mission to give people the financial freedom to thrive anywhere!

If you are a digital nomad or entrepreneur and need a place to work remotely - fear not. As a well-established business hub, you’ll find several comfortable spaces to work around Lisbon. You can choose between several [lovely cafes](https://wearetravelgirls.com/lisbon-best-coworking-cafes/) or [coworking spaces](https://beportugal.com/cowork-in-lisbon/). Take time to visit a few places to see what suits you best! Working around the city can also help you meet new people and build a professional network faster.

### Set up an account
![Lisbon-3-578](//images.ctfassets.net/96dxy75w1gjr/5PFdzFqudu7TO2tYj8JZXt/56d72f8054454c6fc81aaa3d2a7e4f13/Lisbon-3-578.jpg)

Your local bank account might turn out to be less cost-effective during your stay in Lisbon simply because many banks charge you for maintaining an account. So what can you do if you do need a bank account and somewhere safe to keep your money? Join Monese! With Monese, you can easily open an account even before you move, provided you’re moving from another EEA country. This way you don’t need to carry excess amounts of cash with you. With Monese, you can receive your salary, use it to pay both online and in-store and send money back home. If family members and friends join Monese, they’ll receive fee-free transfers from you instantly and vice versa!

<div data-comp="signup"></div>

Karolina from Poland: “Opening an account with a traditional Portuguese bank was a challenge for me. There were a lot of documents I needed to provide them with, including proof of employment, a NIF plus a €200 deposit to even open an account. Monese was the easiest and best solution for me”!

### Getting around
![Lisbon-4](//images.ctfassets.net/96dxy75w1gjr/26yXl0PW0ERrhQ9li1LlT9/f3b28ef3978c818cc7b8f174f09427ef/Lisbon-4.jpg)

No matter if you’re lucky enough to find an apartment in the city centre or something in the suburbs, you likely won’t need a car. Streets in Lisbon are both incredibly challenging to drive on and crowded anyway due to them being quite narrow. Luckily, public transportation is well-developed, which makes commuting to work easy and convenient, even if you live on the other side of the river or on the outskirts. You can choose from several metro lines, buses, trains, as well as ferries and trams. We do recommend leaving the latter for tourists as trams can get considerably crowded. You can use the same monthly pass to commute to work each morning and get to the beach on the weekend!

### Make friends
Leaving loved ones behind is never easy, and being on your own in a new country is daunting. But there’s no need to worry! There are a few [Facebook groups](https://www.facebook.com/groups/internationalfriends.lisbon/), other [online communities](https://www.internations.org/lisbon-expats) and [meetup](https://www.meetup.com/topics/expat/pt/lisbon/) groups for expats who have just moved to Lisbon. Making friends is made easier thanks to our [referral programme](https://monese.com/refer-a-friend), which allows you to invite new contacts to join Monese - and you both get rewarded!

### Keep reading...
If you still feel like you could use more information, there are plenty of bloggers living and working in Lisbon, so do make sure to look up some of their sites! Joanna of [The Blond Travels](https://www.theblondtravels.com/moving-to-lisbon-know-before-you-go/) writes about living in Lisbon from her own unique perspective (she’s a happy [Monese](https://www.theblondtravels.com/pl/cyfrowy-nomada-w-portugalii-jak-dbac-o-finanse/) customer as well). You can also leave us a message on [Facebook](https://facebook.com/MyMonese), [Twitter](https://twitter.com/monese), [Instagram](https://instagram.com/monese) or write to us at [community@monese.com](mailto:community@monese.com), and share any tips you may have for moving to Lisbon!

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Blog post > How to move to Lisbon

How to move to Lisbon | Monese

In this new blog series, we give advice on how to move and settle into popular European cities — starting with the sunny Portuguese capital

How to move to Lisbon

It’s officially the start of a new decade. Twenty-twenty is the perfect opportunity to start thinking about your money and savings goals for this year - or even long-term financial planning for the next ten years! Whatever your goals are &mdash; whether it’s buying your first home, planning a destination wedding, paying off student loans or starting a family &mdash; we have you covered with the best money-saving tips to get you started!

### Plan and set goals
![Money-and-Saving-Goals-2020-1](//images.ctfassets.net/96dxy75w1gjr/57fLmh4pKzeGSDkjIwGN0b/9dcb7cd631b60ccc4dceb8827af41f2e/Money-and-Saving-Goals-2020-1.jpg)

What’s your financial objective for 2020? Saving for an emergency fund? A new laptop? Paying off a loan? Whatever it is, start by writing down your financial resolution and put it somewhere where you’ll be able to see and read it aloud every day. It’ll work as a daily reminder to help keep you on track throughout the year. Also, talk to your friends and family about what your money goals are. Loved ones can often help motivate and hold us accountable, helping us reach our aspirations even faster. 

### Get rid of debt
To start saving, the first step is to get rid of your debt as soon as possible. Whether it’s a credit card or a loan, make it one of your goals to fully pay off at least one of your debts in 2020. Figure out how much you owe and what percentage you can realistically put towards paying off that debt each month. 

### Set a budget
![Money-and-Saving-Goals-2020-2](//images.ctfassets.net/96dxy75w1gjr/2Jz6NovCCEI6Vg3AKsU91r/9ecbc3f39a8b4682b5e05c3e368d1ad5/Money-and-Saving-Goals-2020-2.jpg)

No matter which budget plan you choose, it must cover your overhead costs. Overhead expenses are the main necessities you pay each month. This includes payments such as rent, student loans, groceries, petrol, utilities, mortgage and car payments and any other recurring expenses. 

Once you have your basics covered, make sure you’re putting a portion of your money towards your savings, emergency fund or debt. You can even name and create a [pot](https://monese.com/eu/blog/2019/06/saving-money-monese-pots) for each on your Monese app. 

Finally, what you have left over is what you can spend on your “wants”. Making a budget and sticking to it can also help you avoid overspending. You’ll have a better grip on your finances and feel more in control of where your money is going. You can give yourself a spending limit with Monese’s budgeting feature to help! 

### Cut back
![Money-and-Saving-Goals-2020-3](//images.ctfassets.net/96dxy75w1gjr/4Ut3gvcUNQyzfRzcza8jJ3/c9a2e05bf372557f2fc7418082d368f4/Money-and-Saving-Goals-2020-3.jpg)

Once you’ve made and examined your budget, it’ll give you a chance to sit back and reflect on your lifestyle. Take a careful look and analyse your spending (the spending overview feature on the Monese app is great for this). Is there an area where you could afford to cut back? Pick one thing in 2020 that you can eliminate from your spending. This could be pricey dinners with friends, shopping sprees, unnecessary cab rides or all those after-work happy hours. You’d be surprised to see how much those extra splurges can add up to over a year!

So in 2020, make it a point to choose one thing you can do without, and either save or put that extra money towards something you truly need instead. 

### Stay on top of foreign exchange rates
![Money-and-Saving-Goals-2020-4](//images.ctfassets.net/96dxy75w1gjr/6TQWeP2CW89awRWxcv8sBG/f549aa162d468b7b6411339325dea39b/Money-and-Saving-Goals-2020-4.jpg)

With major political events happening around the world and across Europe, it’s essential to stay in the know on how your home currency is affected. The pound, for example, has become weaker against the euro given all the turmoil over Brexit. If you do need to transfer from pounds to euros, save and make the most of your money by taking advantage of Monese’s excellent currency exchange rates.

To keep informed on foreign exchange rates, you can check the live rates right on our [website](https://monese.com/eu/international-money-transfer/) or on your Monese app under the Pay section. You’ll see the conversion before confirming your transfer. You’ll find that your transfer will be cheaper and faster in comparison to traditional currency conversion services. 

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We’d love to hear what your money goals are for the new year. Share your plans and any other savings tips and tricks with us on [Facebook](https://facebook.com/MyMonese), [Twitter](https://twitter.com/monese), [Instagram](https://instagram.com/monese) or write to us at [community@monese.com](mailto:community@monese.com)

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Blog post > How to set your savings goals for 2020

How to set your savings goals for 2020

Easy financial new year’s resolutions you can actually keep

<p data-children-count="0">The holiday season can be a stressful time of year. You might be preparing to host a Christmas Eve dinner for friends and family. Or you could be trying to figure out how to fit all 12 of your out-of-town relatives into your flat! While you’re busy planning out all those holiday details and logistics, it’s easy to forget to buy that gift for someone important on your Christmas list. We get it &mdash; it happens to the best of us. </p>
<p data-children-count="0">That’s why we have you covered with some practical last-minute gift ideas for just about everyone in your life. Whether it’s for a holiday party or a Secret Santa gift exchange with friends, we’ve done some digging for the top gift ideas for every budget! </p>

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### Gifts £5 or under 

It’s common for many circles of friends to do a Secret Santa gift exchange for a mutually-agreed upon amount. Usually, this limit isn’t an outrageous figure, making it easier for as many people as possible to participate. So if you’re looking for a relatively inexpensive present for a colleague or friend, why not make something from the heart? DIYs are a fantastic gift option as they’re usually cheap to do yet an incredibly thoughtful present that’s sure to be appreciated. Many of the materials you might already have lying around your home, which means you won’t have to spend a lot on supplies! Some unique DIY gift ideas could be:

<ul data-children-count="0"><li>video montage or framed photo collage 
</li><li>flavoured homemade butter or sea salt 
</li><li>decorative throw pillow or blanket 
</li><li>perfume, cologne or body spray 
</li><li>favourite memories scrapbook 
</li><li>delicious seasonal dessert
</li><li>scented mason jar candles
</li><li>something sewn</li></ul>

### Gifts £10 or under 

Your kind neighbours are definitely important people to shop for &mdash; but it can be easy to forget to buy them a little something with all the goings-on at this time of year. So here are some affordable presents for that person who’s always shoveling your driveway, holding your parcels or looking after your home and pets while you’re away: 

<ul data-children-count="0"><li>vintage-style jewelry box
</li><li>homemade spa kit 
</li><li>mini waffle maker 
</li><li>herb garden kit</li></ul>

### Gifts £15 or under 

If you’re shopping for a picky sibling, a flatmate who has everything, or that aunt of yours with an eclectic taste, it can be difficult to rack your brain for good ideas. So we’ve done the thinking for you! You can’t go wrong with one of these unique yet low-cost ideas for the more difficult-to-shop-for people on your list: 

<ul data-children-count="0"><li>digital barbecue fork 
</li><li>Bluetooth tracker
</li><li>tabletop wine rack 
</li><li>coffee table book 
</li><li>hot sauce gift set 
</li><li>porcelain teapot
</li></ul>

### Gifts £20 or under

Who would we be without our nearest and dearest friends? Your best friend deserves something meaningful that will help them think of you whenever they use or see the present you gifted them. Whether they have a green thumb or are a wine lover, we have just the gift options for you. The best part is you can quickly find (or make) some of these presents...and they all fall within the £20 range! 

<ul data-children-count="0"><li>hexagonal succulent planter set
</li><li>electric wine bottle opener
</li><li>homemade vanilla extract 
</li><li>aromatherapy diffuser 
</li><li>smart light bulb
</li></ul>

### Gifts £50 or under 

For the very special people in your life like mum, dad or partner, you want to get them something extra lovely &mdash; but it doesn’t mean you have to break the bank to impress them. You can easily pick up one of the following present ideas at your nearest local home store or online. You’ll bring a smile to their face&hellip; and your wallet will thank you later: 

<ul data-children-count="0"><li>homebrew craft beer making kit
</li><li>espresso machine 
</li><li>ice cream maker 
</li><li>salami bouquet 
</li><li>smart speakers 
</li><li>coffee gift set 
</li></ul>

Holiday shopping at the eleventh hour can be quite chaotic and can get very disorganized really fast. It’s easy to overspend this month &mdash; especially if you didn’t plan ahead and are now frantically buying things in the nick of time. To make sure you don’t wake up to a nasty surprise on Christmas morning when you realise how much you actually spent, take Monese on your last-minute Christmas shopping spree. 

With the budgeting feature on your app, you’ll be able to set a limit before you head out on the hunt for any holiday presents you still have left to buy. You also have the spending overview feature, which will show you exactly where you’ve spent your money once you’ve finished making all your purchases.

With these budget-friendly ideas and Monese by your side, no one on your shopping list will be forgotten this holiday. We’d love to check out some of your Christmas pictures featuring your Monese card. Send your photos to our [Facebook](https://www.facebook.com/MyMonese/), [Twitter](https://twitter.com/monese) and [Instagram](https://www.instagram.com/monese/) and tell us all about how Monese helped you with your last-minute shopping. 

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Blog post > Last-minute Christmas gift ideas for every budget

Last-minute Christmas gift ideas for every budget

Whether it’s a present for mum, dad, your flatmate or neighbour, we've got you covered — just in the nick of time!

Whatever you’re doing for Halloween this year, remember it’s all in good sport – and there’s no need to overdo it with the full-on terror. Because Halloween happens to coincide with World Savings Day, perhaps it’s worth remembering that personal savings shouldn’t be a nightmare either.

That being said, in a recent survey we found that 18% of people said that they find even the prospect of checking their balance a little bit scary.

But fear not! Your Monese app offers a number of savings features and services, including easy ways to check your balance, there to banish any concerns you might have around savings and to help light the way towards really growing your money. Here are just a few things to consider...

### Add your salary
![spooked savings add salary](//images.ctfassets.net/96dxy75w1gjr/2heacxIgoWJZbgQwLu5yLP/8c47db05321d5b8fc79243c0e7097ceb/spooked_savings_add_salary.jpg)

The time to save money is when you have some. That's why 'paying yourself first', as soon as you receive your salary, is often the best way to get into good saving habits. 

It’s easy to add your salary to Monese – just tap on 'Add money' from your app’s home screen to share the details with your employer.

Once you’ve done this, you can start making use of our savings features right from the moment you get paid...

### Make the most of your Pots
![spooked savings pots](//images.ctfassets.net/96dxy75w1gjr/4LGfobrexkbweaG2p5KVQM/80cfff8779eadbe57e7793ff5076272e/spooked_savings_pots.jpg)

Monese Pots are a great way to put money aside for the important things like rent and bills – and you can quickly automate these, by setting up recurring payments to your pots shortly after your salary comes in.

They also help if you’re saving for a new phone, a winter getaway, or a costume for that crazy party this weekend. These don't offer interest, but they do keep your savings separate from your day-to-day spending, which should make it easier for you to reach your goals sooner. And you can accelerate them with round-ups, which automatically move the spare change from your card transactions (rounded to the nearest pound or euro) into your desired pot.

### Open a savings account
![spooked savings raisin](//images.ctfassets.net/96dxy75w1gjr/2x1AGcrIZJlPkf0cIjzYdp/225b5d76421066695573757e4f05fc1e/spooked_savings_raisin.jpg)

You can get more interest and less hassle with an interest-bearing savings account that you can open right through your Monese app!

We’ve partnered with Raisin to help you build your savings further. Available via the Monese Hub, it gives you access to a great choice of competitive savings products across the UK, Germany, Austria, France, the Netherlands and Spain.

### Keep tabs on your spending 
![spooked savings budget](//images.ctfassets.net/96dxy75w1gjr/7ERBgANiQzEiYNX6nucRQi/54492071ed420b508b071b74c3bdce05/spooked_savings_budget.jpg)

Your Monese app can also help you keep a close eye on your transactions with Spending Overview. Moreover, you can set up a monthly (or weekly) budget, to keep your spending targets in full view. 

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We’re working on adding many more exciting savings features, but if you have any ideas, we’d love to hear them! Just let us know on [Facebook](https://www.facebook.com/MyMonese), [Twitter](https://twitter.com/monese) or [Instagram](https://www.instagram.com/monese/), or drop us an email at [community@monese.com](mailto:community@monese.com).


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Blog post > Don’t get spooked about your savings

Don’t get spooked about your savings 

Saving money shouldn’t be frightening, so here’s what you can do to make it all less daunting

Country Tag > United Kingdom

Don’t get spooked about your savings

You might have spotted our shiny [new card](https://monese.com/blog/2018/10/new-card-designs "Introducing our new card designs") popping up across London - as well as a great big meteorite outside King's Cross Station! This is part of a new campaign we’re launching:

![whateverhappens cr](//images.ctfassets.net/96dxy75w1gjr/4juNmqictHmQmWb1AFqWSg/902a78c6cac8a0ee90d02aaa43eee012/whateverhappens_cr.jpg)

We thought it would be a good time to tell you more about it!

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## Do we really think there will be a post-Brexit apocalypse? 
Of course we don’t. 

And we don't expect a meteorite to wreck havoc on London anytime soon. Our installation, and our associated campaign posters, are a light-hearted response to some of the more extreme speculation on what life could be like in the UK on and after the Brexit date of 29 March 2019.

For example, in September, the UK was warned that it would be the last European country to know if there’s a meteorite approaching Earth, because it would have exited the European Union’s Space Surveillance and Tracking Programme. We thought this was pretty crazy stuff and it inspired us to get creative with our campaign.

![MoneseMeteorite PINPEP3-s](//images.ctfassets.net/96dxy75w1gjr/5FyX6IeeoKd8d34ZPp7Iy8/02322fd7198f076bcf4aaafe2714ab4a/MoneseMeteorite_PINPEP3-s.jpg)

## But seriously... 
It’s a time of uncertainty in the UK right now. So we also wanted to use this campaign to share our simple and clear message with you: whatever happens, we should all continue to build solutions to keep us connected. That’s what we’re doing at Monese, leading the way in keeping the UK and rest of Europe connected with our portable, dual-currency UK and European personal accounts.

Whatever happens on or after the key Brexit date of 29 March 2019, many people will continue to travel the world, study abroad or work in another country. They will need their finances to stay connected. We believe that your money should be there for you every step of the way. 

We’ve always held this view. You may even remember our Free Movement campaign from last year, which focused on the launch of our European accounts.

## What does Brexit mean for me? 
We understand that Brexit poses some very serious questions for some of our customers. At this stage we still don’t know what Brexit will look like. We promise to communicate clearly with all of you so you understand what you should do and who you should speak to if you are concerned about staying connected. 

## How is Monese keeping me connected?
Our portable, dual-currency UK and European accounts make sure that people and their finances stay connected to Europe. They’re fully portable across 20 countries, support 11 European languages, and allow people and businesses to spend, send and save like a local across the entire continent.

## Will Monese work after Brexit?
Absolutely – whatever happens, our services will not be affected, as we will continue to provide our award-winning services across Europe and the UK.
Feel free to join the conversation via the __#WhateverHappens__ hashtag, and stay tuned for some exciting updates about our campaign in the coming days!

Hero Bus

Blog post > Stay Connected, Whatever Happens

You might have spotted our new campaign we're launching in London! Here's more about what we're trying to say.

Stay Connected, Whatever Happens

You might have spotted our new campaign we're launching in London! Here's more about what we're trying to say

With the sun shining without interruption across much of Europe, many of our holiday plans are now in full swing.

Being a financial service, we’re probably not the best go-to source for general travel advice, at least in terms of recommending destinations (although we’re confident enough in extolling the virtues of wearing lots of sunscreen).

Wherever you choose to holiday this year however, we’re happy to offer you a few tips on how to use your card while travelling abroad.

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### Pay in the local currency

First off, we recommend paying in the local currency whenever possible. Holidaymakers collectively and unknowingly amass millions of pounds in unnecessary fees when paying by card due to something called [‘dynamic currency conversion’ (DCC)](https://en.wikipedia.org/wiki/Dynamic_currency_conversion "Wikipedia"). These are alternative exchange rates offered by firms handling transactions in anything other than the local currency. 

In real terms, a round of drinks at a beach bar could be costing you [up to 18% more](https://www.moneysavingexpert.com/team-blog/2016/07/the-worst-paying-in-pounds-abroad-rip-off-ive-seen-where-160-of-cash-costs-190/ "Money saving expert: The worst ‘paying in pounds abroad’ rip-off I’ve seen – where £160 of cash costs £190"). This applies to both card payments and ATM withdrawals.

![monese dcc](//images.ctfassets.net/96dxy75w1gjr/1RZxDfWzNRVGMCp0O99tl7/1ed98080e8caf5395020ea7461b721f6/monese_dcc.jpg)

Choosing to pay in the local currency means your home bank handles the currency conversion - which means it will be far more closely aligned to the ‘true’ currency conversion rate, therefore making it far cheaper in most cases. This is especially true when managing your money with Monese, where you access our wholesale currency exchange rate and low fees.

### Lock your card 

Another good idea, specific to the use of your Monese card, is to keep your card locked whenever you’re not using it. Locking your card is an easy-to-use security feature accessible within the Monese app. One thing to remember, however, is that you will need data connectivity on your phone in order to unlock. With this in mind, it’s also a good idea to keep your phone charged.

Locking your card is also the first thing you should do if you misplace your card. That way, if someone tries to illicitly use it, they won’t be able to complete any transactions and the app will immediately let you know about any unsuccessful attempts.

### Carry a spare card

While it’s generally a good recommendation to travel light financially, you may also want to consider packing another card. As a Monese user, we can quickly provide you with the means to do this. By opening a free secondary Euro IBAN account (or UK current account if you already have the Euro IBAN account) you can order a Euro card as back-up, and you’ll be able to transfer funds to it from your primarily Monese account in-app, instantly. 

![monese-cards](//images.ctfassets.net/96dxy75w1gjr/6dQ8xGwW0xi9EfXjhia9j6/371660c7fd2cb609dbea0e15ed92b4a3/monese-cards.jpg)

When you’re having a good time abroad, money concerns should be the least of your worries. That’s why it’s a good idea to do a little forward planning and have a few contingencies in place - to mitigate risk and unnecessary over-spending. You’ll always be able to check the Monese app which provides an overview about any fees you’ve incurred on each transaction.

And remember, you can always see a full outline of our rates and charges relating to each of our three pricing tiers [here](https://monese.com/pricing "Our pricing"). Now go enjoy your well-earned travel break...

moneseholidaytips 50390c38ed0094a386d62c09f1033516

Blog post > Monese's quick tip travel guide

Wherever you choose to holiday this year, we’re happy to offer you a few tips on how to use your card while travelling abroad.

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