Fluent Lifestyle - Issue 03

The Money Magazine from Fluent

Issue 03 Summer 2019

IN THIS ISSUE

To fix or not to fix... that is the question Keep the children busy this summer 5 ideas guaranteed to provide entertainment

Top ten places to inspire you FLUENT LIFESTYLE Issue 03 Summer Jaw dropping places to2019 visit around the world

WIN a tablet ÂŁ25 M&S Gift Card competition Plus, great money The money magazine from Fluent saving tips inside!

Contents FLUENT MONEY

4

Get your ducks in a row 2

Susan’s story FLUENT MORTGAGES

To fix or not to fix...

4

Top tips to keep the children busy this summer

6

FLUENT LIFETIME

Want your snaps featured in our next issue?

Send us your Summer photographs to fluentlifestyle@fluentmoney.co.uk

Bridging the gap

8

Top ten places to inspire you

10

FLUENT LOANS

Unsecured loans vs credit cards

14

FLUENT PROTECT

Do I need life insurance?

16

FLUENT NEWS

Summer recipe - Fiesta Chicken Fajitas We’ve made the final!

18

CASHBACK CORNER

Special Offers

FLUENT LIFESTYLE Issue 03 Summer 2019

14

MON£Y QUIZ: Win a Samsung tablet Competition: Win a £25 M&S gift card

20

The money magazine from Fluent

Welcome to the Summer issue of Fluent Lifestyle magazine It’s that time of year. The schools have broken up for the summer and you’re probably planning lots of adventures or projects for the home and garden.

Whether you’ve booked a holiday abroad or you’ve decided on a staycation, we can help you with some useful tips.

We’ve got ideas for keeping the children or grandchildren entertained over the holidays, popular places to visit and some useful money tips for how to achieve those grand plans.

Don’t forget to enter our competitions for your chance to win a Samsung tablet and a £25 M&S Giftcard!

KEVIN HINDLEY CEO

FLUENT LIFESTYLE Issue 03 Summer 2019

We’re here to help you!

Kind Regards, The Fluent Team

The money magazine from Fluent

2 | FLUENT MONEY

When it comes to debt, get your ducks in a row!

A secured loan, sometimes called a second charge mortgage, can be a good option if you’d like to borrow money while leaving your current mortgage in place.

The new loan is secured on your property and can be used for many different purposes. What’s more, you’ll avoid the cost associated with a remortgage – an option taken by many customers who are unaware of the second charge market.

Popular uses include: Home improvements Buy-to-let property purchase Consolidate outgoings into one monthly payment Children’s tuition fees Lease extension Payment of a tax bill A wedding A new car

What can I use a secured loan for?

Transfer of equity

You can take out a secured loan for all sorts of purposes.

Business purposes

Looking to borrow between £5,000 and £500,000?

Fluent Money could help.

So if you’re looking for a lump sum of cash and don’t want to disturb your current mortgage, it’s worth having a chat to an adviser to see if a secured loan is right for you.

We can source secured loans with rates starting from 4.1% APRC, although the rate you secure will depend on your individual circumstances.

Apply Now

0800 255 0024

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“It gave me instant peace of mind” I borrowed £14,000 and payed off my credit cards, personal loans and store cards. It gave me instant peace of mind and eased the pressure on my finances.

It was a constant worry thinking I’d not have enough money

Susan’s story Susan, a Sales Rep from Manchester did exactly that. She contacted Fluent Money last year as she wanted to tidy up her credit and reduce her monthly outgoings.

By arranging a secured loan, Susan was able to consolidate her debt into one manageable payment each month.

at the end of the month to cover my bills and basic living expenses. The odd treat and luxuries weren’t possible.

Fluent were fantastic, they kept me up to date all the way through the process. I had my own adviser and case manager so I always spoke to the same people each time I called. They worked hard to keep everything moving and were always on hand to help with the paperwork.

The mobile app was brilliant; I always knew where my case was up to as they sent notifications when it moved on to the next stage.

It was such a weight off my mind and I now have a little more money at the end of the month for the odd treat.

I know exactly when my loan will be paid off and feel organised. I’d definitely recommend Fluent to my friends and family!

Susan

9.1% APRC Representative Representative example: Assumed borrowing of £18,000 over 120 months, with a fixed borrowing rate of 6.5% per annum for the first 60 months, followed by 60 months at the lender’s standard variable borrowing rate of 4.95% above Bank of England Base Rate. There would be 60 monthly instalments of £227.38 followed by 60 instalments of £221.71. Total amount payable £26,945.40 comprised of; loan amount (£18,000); interest (£6,920.40); Broker fee (£1,530); FLUENT LIFESTYLE Issue 03 Summer 2019 Lender fee (£495). This would result in an overall cost of 9.1% APRC.

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4 | FLUENT MORTGAGES

To fix or not to fix… that is the question Interest rates for mortgages and loans are relatively low so now is a good time for borrowers to shop around and seriously consider locking-in their monthly repayments.

Here are some pro and cons to fixing your rate:

Pros For the length of your mortgage deal you won’t have to worry if the Base Rate rises, as your rate of interest will stay the same.

You’ll know exactly how much you’ll be paying each month, making budgeting much easier.

According to data from credit agency Experian, in May, 81% of mortgage shoppers were searching for fixed rate mortgages. But why are fixed rate deals so popular?

There are lots of very competitive fixed rate deals available right now.

Cons

Deciding whether to fix your mortgage rate or opt for variable product is a common conundrum faced by prospective borrowers.

If interest rates drop you won’t benefit from it, as you would with a tracker mortgage.

These mortgages generally track the Bank of England Base Rate which is currently still very low at 0.75%.

People want certainty when it comes to their finances, especially in times of economic uncertainty. Rising popularity in fixed-term mortgages tell us borrowers are looking for low, fixed monthly payments to manage their outgoings and keep control of their finances.

You may have to pay an early repayment charge (ERC) to end your deal if you decide to pay off your mortgage early. This is true for many mortgage deals, but it’s definitely something to consider if you think you might need to move in the future or think you’re likely

Looking to switch to a better deal?

Fluent Mortgages could help.

If you’re approaching the end of your introductory mortgage offer or want to switch to a better deal, speak to a money magazine from Fluent specialist mortgageThe adviser

to receive a windfall. With fixed rate deals, the ERC is usually higher at the beginning of the deal and reduces towards the end of it.

Depending on the length of the fixed rate deal, interest rates may be higher. For example, a ten year deal is likely to have a higher rate of interest than a two year deal.

But don’t worry, Fluent are here to help. We can find the best option for your circumstances and search the market for the best possible deal.

Plus, with our

Smartphone App, you can see where your case is up to 24/7. We send push notifications in real time and you can contact your case manager directly within the App for your convenience.

We take the hassle out of the paperwork, as you’ll be assigned your own case manager.

Call us on 0800 530 0014 or find out more

Apply Now FLUENT LIFESTYLE Issue 03 Summer 2019

0800 530 0014 The money magazine from Fluent

6 | FLUENT LIFESTYLE

Top tips to keep the children busy this summer

It’s that time of year. The schools have broken up and you’re looking for ways to keep the children entertained. You’re in luck. Here are five ideas guaranteed to provide entertainment that you’ll all enjoy.

It’ll then give you the coordinates of a number of geocaches near you. Now all you need to do is use your smartphone to find the treasure.

Geocaching

If exploring isn’t your thing, or the weather has come over all British, there are plenty of other ways to have fun.

Geocaching is the latest craze and it’s becoming more and more popular.

Fundamentally, it’s a free, outdoor, GPS-based treasure hunt game that you play using an app on your phone. The app is free and available for iPhones and Android devices. It’s not just staring at a screen – you’ll get out and about and the children will love being on an active adventure.

The rules are simple. Visit the Geocaching website, sign up and enter your postcode.

FLUENT LIFESTYLE Issue 03 Summer 2019

You can download the apps and find out more at the official Geocache website.

Shoot a music video

Shooting a music video is a simple way to keep you and the children entertained. There are lots of free apps available which have a catalogue of songs suitable for all tastes. They’ll even give you tips on how to get the best results.

For Android, FilmoraGo is an easy-to-use free video editor that lets you stitch different video clips together and play your favourite songs alongside.

See our Summer Fajita recipe on page 18

If you have an Apple device, iMovie, which is free to download from the App Store, is extremely user-friendly, and can turn your self-shot home videos into masterpieces.

Alternatively, for that real DIY aesthetic, play some music and shoot it with your own video camera or mobile.

Baking This is a great way to get the children engaged while also being productive is cooking or baking.

Something simple, such as cupcakes or pizza, can be a great way to pass the time. They should enjoy eating the results of their work too.

There are countless websites and books that can give you step-by-step instructions.

The BBC food recipe page is often a good place to start.

Naturally, they will need supervision while baking or cooking. Not only to make sure they’re doing it right, but also to keep them safe.

Writing a letter to family Keep up with their writing skills over the summer, penning a letter to their family is a great idea.

These make great keepsakes and helps them prepare for going back to school in September.

Got some spare stamps? Why not stretch your legs, go the extra mile and take the letter with them to your local post box? You could even make it a regular activity.

Cinema Another way to keep them entertained this summer is a trip to the cinema. There are often deals and discounts you can get your hands on from sites such as Groupon or hotukdeals.

Alternatively, if the cinema is too far away or out of your budget, why not set up your own at home?

Dim the lights, close the curtains, grab some popcorn and recreate that full cinema experience.

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8 | FLUENT LIFETIME

Bridging the gap

between retirement dreams and reality Travelling, hobbies and giving money to children and grandchildren are the top three things employed people would most like to do when they retire, according to Aviva’s Retirement Reality report. But the findings also show a gap between people’s hopes for the future, and the reality they may face.

We’re now living much longer than previous generations, meaning our pension pot will have to stretch further. If you’re still paying off a mortgage, you may have to work past your planned retirement date.

Surely retirement should be something we all look forward to. We should be aiming to thrive, not just survive!

Get the retirement you deserve If you’re one of the thousands approaching retirement with a cash shortfall you might want to think about using your home to boost your income.

Many look at downsizing to access the equity in their home. However, for a lot, the cost of moving, stress, upheaval and thought of leaving the home they’ve made so many memories in is just not a consideration.

An alternative solution for homeowners aged 55+ is an equity release plan. Equity release is

Looking for a cash boost in later life?

Fluent Lifetime could help.

FLUENT LIFESTYLE Issue 03 Summer 2019

Get your free guide or arrange a free, no-obligation The money magazine from Fluent telephone appointment with a specialist adviser

By taking out a lifetime mortgage you can free up some cash for your retirement while still owning and living in your home.

There are lots of plans available with flexible features, meaning you can find a plan that meets your individual needs.

Expert advice is important

the general name for products that let you access cash tied up in the value of your home without moving.

The most popular type of equity release plan is a lifetime mortgage. This is where you take out a loan secured against your home that is only repaid when you move into long-term care or when you die. At this point your home will be sold.

With so much choice, it’s important to get specialist advice from an expert. An equity release adviser will explain how a lifetime mortgage will reduce the value of your estate and may affect your entitlement to means tested benefits.

A specialist adviser will get to know your individual circumstances and work out if a lifetime mortgage is right for you.

To find out more download our free guide or you can use our equity release calculator to see how much you could release!

The money from the sale pays off the loan plus the interest. Anything that’s left can go to your loved ones as an inheritance. There are plans that allow you to ringfence a percentage of your homes value to guarantee an inheritance can be left.

Try our Equity release calculator

Apply Now FLUENT LIFESTYLE Issue 03 Summer 2019

0800 530 0018 The money magazine from Fluent

10 | FLUENT LIFESTYLE

Top 10 places to inspire you We’ve suggested some breath-taking, jaw dropping places to visit around the world. This list includes exotic islands, gigantic metropolises, and world-class historical sites. Whether it’s adventure you’re after, sightseeing or a relaxing luxury beach holiday, there’s something for everyone on this list.

FLUENT LIFESTYLE Issue 03 Summer 2019

10

Palawan Island, Philippines

The largest island in the Palawan Province.

Voted as the most beautiful island in the world several time. Palawan Island is a slice of heaven, teeming with exotic wildlife, quiet waterfalls, quaint fishing villages, UNESCO World Heritage Sites, and incredible local experiences. If you ever came to Palawan, you must visit the Calauit Game Preserve, peaceful wildlife sanctuaries and got to El Nido and Coron Island, regarded as one of the best dive sites in the world.

9

Barcelona, Spain

Barcelona, known around the world for its legendary football team, is the capital of Catalonia and the second largest city in Spain.

Barcelona is located on the northeast coast of the Iberian Peninsula, facing the Mediterranean Sea. It has a Mediterranean climate with mild, humid winters and warm, dry summers.

Barcelona has many attractions for tourists like Sagrada Familia by Antonio Gaudí, L’Aquarium de Barcelona, Poble Espanyol de Montjuïc otherwise known as the Spanish Village, La Pedrera – Casa Mila by Antonio Gaudí and many more.

8

London, England

London ranked top amongst the best place to visit in the world by U.S. News Travel. There are so many interesting places to visit in London.

With eclectic neighborhoods and numerous landmarks, London requires several days to get to know. Along London’s bankside you will find a reconstruction of Shakespeare’s Globe Theatre, resident storytellers show visitors every intricate element of this impressive replica building. With a London Pass you can visit all of these top London attractions, a fantastic sightseeing saving!

7

Paris, France

Paris is the capital and largest city of France.

It is situated on the river Seine, in northern France, at the heart of the Île-de-France region. Paris has the typical Western European oceanic climate which is affected by the North Atlantic Current.

Over a year, Paris’ climate can be described as mild and moderately wet. Paris has many attractive sites like Boat Tour of the Seine River, Père Lachaise Cemetery, Sacre Coeur and Montmartre, Arc de Triomphe and the ChampsElysées, The Sorbonne and the Latin Quarter, Musée d’Orsay, Eiffel Tower and many more.

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12 | FLUENT LIFESTYLE

6

The island of Maui, USA

The island of Maui is the second-largest of the Hawaiian Islands. Maui’s diverse landscapes are the result of a unique combination of geology, topography, and climate.

The climate of the Hawaiian Islands is characterized by a two-season year, mild and uniform temperatures everywhere.

There are many attraction in Maui to visit like Paia Town, Ho’okipa Beach Windsurfers, Puahokamoa Falls, Keanae Pennisula, Pua’a Ka’a State Park, Wai’anapanapa State Park, Hana Bay, Hana and Ohe’o Gulch are most famous 10 places.

5

Alberta, Canada

Arguably, Alberta is one of the the most scenic provinces in all of Canada and is home to two of the oldest national parks in the world (Banff and Jasper National Parks). The awe-inspiring glaciers and turquoise lakes attracts millions of visitors each year to this province.

For starters, they do seasons here properly.

Winter is winter – complete with snow, frozen lakes and more ice skating than you can handle, summer is scorching – just as it should be with endless opportunities for barbecues, relaxed hangs with friends and very refreshing dips in the now warm lakes.

Plitvice Lakes National Park, Croatia

Plitvice is considered one of the best places to visit around the world. It has also been voted the most beautiful national park in the world.

The park is known for a chain of 16 terraced lakes, joined by waterfalls, that extend into a limestone canyon.

This wonderful blend of oak forests, meadows and limestone rock formations are topped only by the incredibly vivid blue lakes, making it a magnet for tourists in Croatia.

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Miami Beach, Florida

Miami Beach is a coastal resort city in MiamiDade County, Florida, United States. Best sites to visit in Miami Beach like South Beach and Art Deco Tour, Ocean Drive – South Beach, Haulover Beach Park – North Beach, Lummus Park – South Beach, Lincoln Road Mall – South Beach, Bass Museum of Art – South Beach, Holocaust Memorial – South Beach, Miami Children’s Museum – Causeway, Jungle Island – Causeway and many others.

FLUENT LIFESTYLE Issue 03 Summer 2019

2

Virgin Islands, USA

The Virgin Islands of the United States are a group of islands in the Caribbean that are an insular area of the United States. The dreamy land and seascapes have earned it the nickname “America’s Paradise.” A year-round destination that has no real “off” season with an average winter temperature of 28 degrees, here the weather is almost always beach perfect.

The Virgin Islands, famous for its beautiful white sand beaches and turquoise waters. Spend the day sunbathing your cares away or relaxing in a beach chair or hammock at one of the islands’ beaches that are consistently ranked among the top 10 in the world. If you want to kick it up a notch there is an abundance of exhilarating water activities, from world class diving, deep sea fishing, sailing, snorkeling, kayaking, and paddle boarding to windsurfing and jet skiing.

Nowhere else in the Caribbean can you dive a wreck, wall, pier and reef all in one day!

Land activities are sure to fascinate with lush landscapes and awe-inspiring vistas creating the perfect setting for horseback riding, hiking, biking, and entrancing eco tours.

1

Iguazu Falls, Argentina/Brazil border

One of the modern natural wonders of the world, located on the border of the Argentine province of Misiones and the Brazilian state of Parana.

This chain of mini waterfalls is one of the world’s most awe-inspiring attractions. A visit is an aweinspiring visceral experience, and the power and noise of the cascades – a chain of hundreds of waterfalls nearly 3 km in extension – is something you won’t forget. The falls lie split between Brazil and Argentina in a large expanse of national park, much of it rain-forest teeming with unique flora and fauna.

If you’re looking to make your holiday dreams come to life, you may need a cash boost to help you achieve them.

Fluent could help you arrange an Unsecured loan and help you on your way! To find out more call 0800 534 5004 or turn to page 14.

FLUENT LIFESTYLE Issue 03 Summer 2019

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14 | FLUENT LOANS

Unsecured loans Vs Credit Cards Five times when it might be smarter to use an unsecured loan instead of a credit card.

Looking to borrow between £1,000 and £25,000?

Fluent Loans FLUENT LIFESTYLE Issue 03 Summer 2019 could help.

We can source unsecured loans with rates starting from 3.9% APR variable, although the rate you secure will depend on your individual circumstances.

15.9% APR (variable) Representative Representative example: If you borrow £10,000 over 4 years at a representative 15.9% and an annual interest rate of 15.9% (fixed) you would pay £277.53 per month. Total charge for credit will be The money magazine from Fluent £3,321.44. Total amount repayable is £13,321.44.

1

Review your budget

A unsecured loan may be more appropriate than a credit card when you need to make a major purchase that could use up half or more of your available card credit and you don’t plan to pay off the balance right away.

2

You want a lower rate

Unsecured loans are specifically designed for paying over the long term, so their interest rates are tailored to be fair and conducive to paying off a debt. Though the APR on your personal loan depends heavily on your credit score but can easily be under 10%, whereas the average credit card APR is 17.72%. Credit cards make very little sense as a long-term revolving debt, unless you have a 0% intro APR offer.

3

You can’t pay off the balance quickly

The higher interest rates on revolving credit card balances are a huge downside to financing major purchases on a credit card. If you know that you won’t be able to pay off a balance for a long time, financing a purchase on a credit card will cost much more money in the long run than it would to pay for it using an unsecured personal loan.

4

However, this only makes sense when the card you’re transferring to has a 0% APR period.

Otherwise, you would be paying a much higher interest rate on the revolving balance than you would with a personal loan.

Personal loans are the best option for debt consolidation, because they offer lower interest rates, fixed payment plans, and alleviate any strain on your debt-to-credit ratio.

You want to have a structured payment schedule 5

Credit card repayment is based on the current balance held, which can grow based on your spending and on interest for an unpaid balance.

They only require a minimum payment each month to cover interest charges. You can take as long as you want to pay off a credit card balance, but the longer you take, the more interest you pay.

Unsecured loans, however, disburse cash in one lump sum, and come with a built-in repayment plan. You know exactly how much you will have to pay back each month, you know how much will go to interest and how much will go to the principal, and you know the exact date you will be done paying.

You want to consolidate other debt

Credit cards offer balance transfers for borrowers who want to move debt from one card to another.

Apply Now FLUENT LIFESTYLE Issue 03 Summer 2019

0800 534 5004 The money magazine from Fluent

16 | FLUENT PROTECT

Do I need life insurance?

Life Insurance helps to provide peace of mind by ensuring your family’s way of life is protected should the worst happen.

If your children, partner or other relatives depend on your income to cover their mortgage or other living expenses, then you should take out life insurance.

What is life insurance?

Life insurance can pay your dependents money as a lump sum which can be used to settle debts such as your mortgage or be used to maintain your standard of living. It’s designed to provide you with the reassurance that your dependents will be

Protect your loved ones today FLUENT LIFESTYLE Issue 03 Summer 2019

looked after if you’re no longer there to provide.

The amount of money paid out depends on the level of cover you buy.

How much does life insurance cost?

Often just a few pence a day is all you need to provide your loved ones with plenty of financial protection (depending on your age and health status).

Check exactly what level of protection you can achieve for the monthly payment that fits your budget. The price you pay for a life insurance policy depends on a number of things.

Speak to us to request your FREE quote and you’ll be entered into our prize draw The money magazine from Fluent to win £100 of shopping vouchers!

Speak to us for a chance to win a £100 voucher!

These include: If you already have life insurance, then you should have it reviewed when your mortgage or family circumstances change as you could be paying more than you need or the level of cover could be less than you thought.

Your age Your health Your lifestyle Whether you smoke The length of the policy The amount of money you want to cover, the length of the policy, but also your age, your health, your lifestyle, and whether you smoke.

For example, the younger you are and the less likely you’re to die from a medical condition, the cheaper your policy is likely to be.

Speak to us today to request your FREE quote and you’ll be entered into our prize draw to win £100 of shopping vouchers!

Fluent Protect have a team of advisers who can explain the different types of protection policies available and how they can be tailored to suit every budget.

Get a free quote FLUENT LIFESTYLE Issue 03 Summer 2019

0800 882 4103 The money magazine from Fluent

Fiesta Chicken Fajitas SERVES

READY IN

PER SERVING

2 People

30 mins

660 Calories

INGREDIENTS

1 large chicken breast fillet

METHOD 1

1 tsp sugar and a pinch of salt on a plate. Mix all the spices together

1 red pepper

1 tomato 6 white tortilla wraps 1/2 tsp dried chilli flakes

– this is your fajita seasoning 2

Deseed the red pepper (scrape the seeds and pith out with a teaspoon) and cut into thin strips. Peel and finely slice the red onion

3

Slice the chicken breast into thin strips. Add the sliced chicken to the fajita seasoning and give everything a good mix up until the chicken is

2 tsp ground coriander 80g natural yoghurt

Preheat the oven to 200°C/ 180°C (fan)/ 400°F/ Gas 6. Combine the ground cumin, ground coriander, smoked paprika, dried chilli flakes,

2 tsp ground cumin

2 tsp smoked paprika

Perfect for summer!

fully coated in all the spices 4

Boil a kettle and heat a large, wide-based pan (preferably non-stick)

1 red onion

with a drizzle of olive oil over a medium-high heat. Once hot, add the

40g cheddar cheese

sliced chicken, pepper and onion to the pan and cook for 3-4 min or until the peppers are beginning to soften

1 spring onion 1/2 chicken stock cube

5

Meanwhile, dissolve the tomato paste and 1/2 chicken stock cube in 100ml boiled water – this is your tomato stock. Add the tomato stock

16g tomato paste

to the pan with the chicken and cook for 2-3 min further or until the chicken is cooked through and the peppers have softened – this is your chicken & vegetable fajita filling 6

While the chicken is cooking, add the tortillas to a baking tray and put the tray in the oven for 3 min or until warmed through

7

Grate the cheddar cheese. Dice the tomato finely. Trim then slice the spring onion finely. Serve the chicken & vegetable fajita filling over the tortillas. Top with the grated cheese and chopped tomato, dollop over

Recipe courtesy of Gousto

FLUENT LIFESTYLE Issue 03 Summer 2019

the natural yoghurt, garnish with the sliced spring onion and enjoy!

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19 | FLUENT NEWS

Look what’s been happening behind the scenes at Fluent HQ We’ve made the final!

We’ve been shortlisted for a Money Age Award in the Mortgage Broker of the Year category. Wish us luck!

Loved Fluent? Tell us about the service you received and win a Samsung tablet!

Share your story on Google Reviews or Trustpilot and you’ll automatically be entered into a draw to win!

REVIEW US ON

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We have invested in making our customers’ lives easier.

Download our new smartphone app on Apple and Android devices today from the app store.

FLUENT LIFESTYLE Issue 03 Summer 2019

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CASHBACK & COMPETITION CORNER

We’ve found some great ways to save you money!

Get cashback at some of the most notable retailers in the UK. Get 60% off your next DIY project, enjoy half price days out or pick up their new school uniform for just £8.50. You could even get a free summer car check!

Get ready for the sun with a FREE summer car check at Halfords - available until September

Upgrade your home and garden with up to 60% off a selection of DIY items in B&Q’s clearance section

GO TO OFFER

GO TO OFFER

Stock up on a new school uniform from just £8.50 at Matalan, online and instore

Enjoy 50% off entry to Merlin attractions, including Alton Towers, with a 500ml plastic bottle

GO TO OFFER

GO TO OFFER

Solve the code and WIN a £25 M&S Voucher!

Find the missing number in this challenge and email us your answer for your chance to win!* ENTER NOW

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Congratulations Kerry Lightfoot The lucky winner of our Spring issue conundrum competition.

A £25 M&S Gift Card is on it’s way to you!

WIN a Samsung

Galaxy Tablet in our MON£Y QUIZ Test your money knowledge in our quiz and win this cool tablet!*

ENTER NOW

Congratulations Robert Drew The lucky winner of our Spring issue tablet competition - it’s on it’s way!

*The Summer issue winners will be drawn at random on Friday 27th September 2019 Fluent Money Ltd, Fluent Mortgages Ltd, Fluent Loans Ltd and Fluent Lifetime Ltd are all part of the Fluent Money Group, and are individually authorised and regulated by the Financial Conduct Authority See http://www.fca.org.uk Fluent Money Group Ltd, registered in England No. 09774736.

FLUENT LIFESTYLE Issue 03 Summer 2019 New Road, Horwich, Bolton BL6 5UE. Telephone 01204 472000. The money magazine from Fluent Registered Office: 102 Rivington House, Chorley