off peak travel card buy

• Delay Repay |
• Accessibility Tools
• You are not signed in
• Buy tickets You have no items in your basket

Cheap ticket alerts

• Rangers and Rovers
• Flexi Season ticket
• Weekly season ticket
• Monthly season ticket
• Monthly plus season ticket
• Annual season ticket
• Using a smartcard
• Oyster cards and contactless
• Contactless PAYG extension
• Changes to peak times and tickets on some routes
• Advance tickets
• Anytime tickets
• Off-Peak tickets
• GroupSave train tickets
• Group Travel train tickets
• Evening Out tickets
• Sunday Out tickets
• Super Off-Peak tickets
• Semi Flex Return tickets

London Travelcards

• Tap2Go pay as you go travel
• 16-17 Saver
• 16-25 Railcard
• 26-30 Railcard
• Two Together Railcard
• Disabled Persons Railcard
• Family and Friends Railcard
• HM Forces Railcard
• Veterans Railcard
• Network Railcard
• Senior Railcard
• Paying with Apple Pay
• Paying with Google Pay
• Family train tickets
• Combined ferry and train tickets
• Price promise
• Business Direct
• Industrial action
• Train times
• Download SWR timetables
• Changes to your journey
• How busy is my train?
• Live times and updates
• Planned engineering works details
• August engineering work
• September engineering work
• October engineering work
• Platform zoning pilot scheme
• Network map
• Car parking
• Live station car parking
• Onward travel
• InPost parcel lockers
• Free Wi-Fi at our stations
• Airport links
• Class 158 "Express Sprinter"
• Class 159 "South Western Turbo"
• Class 444 "Desiro"
• Class 450 "Desiro"
• Class 458 "Juniper"
• Class 707 "Desiro City"
• What can you bring on board?
• First Class
• Assisted Boarding Points
• Accessibility
• Assistance dogs
• Discounted fares
• Sunflower lanyards
• Wheelchairs, scooters and ramps
• Travel Assistance Card
• Travelling with a bike
• Travelling with kids
• A student's guide to train travel
• Travelling with pets
• Customer Council
• Meet the Manager
• Ticket checks and revenue protection
• Safeguarding
• Our performance
• National Rail Passenger Survey
• Our service quality report
• Destinations
• Things to do
• Day trips and breaks
• Business Life
• Local Highlights
• Sights and attractions

SWR Rewards

• 2FOR1 deals and 1/3 OFF savings
• Upgrading the Island Line
• Heritage railways
• Delay Repay
• Changing your train tickets
• Strike ticket acceptance, refunds and compensation
• Making a claim after disruption
• Lost property
• Smartcard help and support
• Make a complaint
• My Account |
• Accessibility Tools |
• Cheap train tickets
• Season tickets
• Smart tickets
• Ticket types
• Railcards and discount cards
• How to buy train tickets
• Planned improvements
• Planned engineering calendar
• Engineering work weekly summary
• Our train stations
• On board facilities
• Assisted travel
• Customer Experience
• Staying safe
• Performance
• Where Next travel blog
• Competitions
• Island Line
• Harold and the Purple Crayon competition
• Train ticket refunds

You’re being redirected to an external website.

• Train tickets /
• Ticket types /

The cheap and convenient way to travel around London

Buy train tickets to any destination in britain – no booking fee.

• Popular stations
• London Waterloo (WAT)
• Southampton Central (SOU)
• Woking (WOK)
• Guildford (GLD)
• Basingstoke (BSK)
• Winchester (WIN)
• Clapham Junction (CLJ)
• Surbiton (SUR)
• Wimbledon (WIM)
• Farnborough (Main) (FNB)
• Bournemouth (BMH)
• Portsmouth Harbour (PMH)

What’s a London Travelcard?

A London Travelcard is a ticket type that allows unlimited travel for a certain amount of time on:

• The London Underground within zones 1-4 or 1-6
• Docklands Light Railway
• Most National Rail Services in London

It also offers discounts on Emirates flights and a third off River Boat fares on selected services.

Be the first to hear when our cheapest Advance tickets go on sale

Buying a ticket with us just got more rewarding!

Which London Travelcard is right for me?

One day london travelcards.

There are two types of One Day London Travel cards:

Anytime Day Travelcards: you can use these anytime on the date shown on your ticket, until 04:30 the following day.

Off-Peak Day Travelcards: you can use these from 09:30 Monday – Friday and at any time on weekends and bank holidays on the date on your ticket, until 04:30 the following day.

London Weekly Travelcard

The London Weekly Travelcard offers 7 days of travel for the price of 5.

Monthly London Travelcard

Monthly Travelcards are typically more cost-effective than buying consecutive 7-day ones. You’ll save 11% on your journeys if you go for the monthly option.

Group One Day London Travelcard

Travelling as a group of 10 or more? Get a Group One Day London Travelcard. It’s valid for the day from 9:30 am (Monday to Friday), anytime on weekends or public holidays right up until 04:30 the next day.

London Travelcard season tickets

We have various London Travelcard Season Ticket options, including:

Your Travelcard season ticket can start on any day of the week, and you can travel right up until 04:30 on the day after your travelcard expires.

How do I get a London Travelcard?

You can get a travelcard when you buy an Anytime , Off-Peak , Super Off Peak , Advance or season (except Flexi Season ) train ticket to London on our website, SWR app or at your local station.

You can add London Travelcards to your SWR touch smartcard , making it easier for you to tap in and out across the capital.

Travelling outside the area covered by your Travelcard

If you have a Travelcard, then you are permitted to use any services within its Zones (subject to the time restrictions of the Travelcard). If you wish to travel beyond the Zones permitted by your Travelcard, then you can purchase a Boundary Zone ticket to or from the station outside of those Zones.

For example, if you have a 7-Day Zones 1 to 3 Travelcard and wanted to travel to Shepperton, you can buy a Boundary Zone 3 to Shepperton Day Return ticket from any staffed ticket office or from our self-service ticket machines. The train you are on does not need to call at a station within Zone 3 to be valid. Boundary Zone tickets can also be sold in the opposite direction (e.g. Shepperton to Boundary Zone 3).

How to get your tickets

Email, post, print at home, download or collect from the station

Find out if you could save up to 34% off your train tickets with one of the many Railcards

Ticket offers

From half price train tickets to seasonal discounts.

I want to...

See ticket offers

Be inspired

Check live train times

Read the latest news

Book travel assistance

Check engineering works

Engineering works will affect your journey

You need to enable JavaScript in your browser to see Live train arrivals and departures through this website� (and also instructions on how to enable JavaScript)

Loading service updates...

• Live train times
• Assisted travel
• Delay Repay
• Buy tickets

Service updates

Travel updates Latest travel information and updates

Industrial action Information about upcoming train strikes and industrial action

Timetables Find Southern timetables by station and download train times

Planned engineering work Details of planned engineering work on our network

Live map Real-time service status and route display

Alternative route maps Alternative train, bus and tube maps

Crystal Palace closures Network Rail are undertaking major track upgrade at Crystal Palace this August

Onboard travel

Bikes & Scooters Storage of bikes and scooters on board

Baby on board Priority seating for new and expectant parents

Luggage Guidelines and support for carrying luggage on board

Travelling with pets Policies for travelling with pets

Find a quieter train Want to have the best chance of getting a seat?

Wi-Fi on board Keeping you connected

Station information

Car parking Parking availability and information across our stations

All stations (A-Z) Facilities, addresses, maps and more, for all stations

Getting to the station Find out about taxis, buses and how to get to the station

Tickets & Payment methods

Off-Peak Reduced fares during off-peak hours

Super Off-Peak weekdays Reduced fares during off-peak weekdays

Anytime Tickets valid for travel at any time

Child tickets Child fares and discounts for young people

First Class Guarantee a seat and power socket

Season tickets Discounted long-term tickets for regular commuters

Flexi Season Flexible season ticket options for part-time commuters

Advance tickets Discounted tickets booked ahead of travel

Ways to pay eTickets, Smartcard and Oyster card payment methods

Travel inspiration Experience the beauty of the South East

Popular destinations

Uncover Brighton's best kept secrets How to do Brighton in the non-traditional way

Scenic dog walks of the south coast Discover the Six Harbour Villages

Discounts & Offers

Unizone Discounted ticket for students in Brighton and Worthing

Railcards Save up to 1/3 off tickets with railcards

DaySave Cost-effective day pass for unlimited off-peak travel

GroupSave Off-peak savings for 3-9 adults travelling together

PlusBus Combined train, bus and tram tickets

2FOR1 offers 2-for-1 entry at attractions in London, Brighton and more

Kids for £2 Cheaper child fares starting from just £2

Accessibility

Book assistance Our online form for booking assistance for your journey

Assisted travel Assistance for those with access needs

Priority seat card A badge for those who require priority seating

Support whilst you're travelling Information and guidance on accessing our trains

Wheelchairs & Mobility scooters Guidelines for wheelchairs and mobility scooters

Help & Support

Contact us Need help? Find out how to get in touch

Delay Repay Compensation for unexpected delays and cancellations

Refunds & Amendments How to refund and change your ticket

Money Back Guarantee Plans can change, and it's fine to change your mind

Penalty fares Information on penalty fares and prosecutions

Failed to carry Submit proof of your ticket or railcard

Lost property Lost property services, collection and enquires

First Class claim form First class claim form for reimbursement

Off-Peak and Super Off-Peak tickets

Travelling after the morning rush hour? You can save money when you buy an Off-Peak ticket.

Off-Peak tickets

Are you travelling after the morning rush hour? Save money on your journey when you buy an Off-Peak ticket.

If you don’t have to be somewhere during the busiest times of the day, this could be the perfect option for you. Whether you’re taking a trip into the city or out to the countryside, this ticket gives you the chance to enjoy quieter train journeys at lower prices.

Why choose Off-Peak train tickets?

When you choose to travel Off-Peak, you can benefit from:

• More seating available during these quieter parts of the day
• A choice of single, return and open return tickets
• 1/3 off Off-Peak fares with your Railcard
• On some routes up to four children aged 5 to 15 can travel with you for just £2. Book online for an automatic discount

When are they valid?

You can travel Off-Peak on weekdays outside busy times. You can also use your Off-Peak train tickets to travel at any time on weekends and bank holidays. The times you can use your tickets vary, so use the journey planner to check for Off-Peak services.

What are the timings?

Off-Peak singles and the outward portion of Off-Peak returns are valid for travel on the date shown on the ticket and until 4.29am the following morning. When using Off-Peak Day tickets, all travel must be completed by 4.29am on the following morning of the date on the ticket.

What are the times for Peak and Off-Peak travel?

The morning peak is generally from when the first train of the day leaves to the last train arriving in London before 10:00am. In the evening it is generally between 16:30 and 19:01 for services leaving London. Anytime outside of this, would generally be considered off peak travel.

How do I buy Off-Peak train tickets?

It’s simple to book your Off-Peak tickets:

• Online – collect from the station or have them posted out
• On-the-go using our On Track app ( iOS ) and collect at the station
• Buy from ticket machines at the station
• Head to a ticket office at your local station

Terms and Conditions

To find out more about Off-Peak tickets, read the terms and conditions . If you have any questions, feel free to get in touch .

Eastbourne to London Victoria

Super off-peak day return, brighton to london victoria, off-peak day return, horsham to london victoria, super off-peak day travelcard, travelling outside busy times.

Off-Peak and Super Off-Peak tickets will save you money

Stay up-to-date

Subscribe to email updates. Get travel inspiration, journey updates and exclusive offers delivered straight to your inbox.

We will not pass on your personal information to any organisation outside of Southern.

Should we no longer operate the Southern franchise, please be aware that we will pass your details to the Successor franchise or Secretary of State for Transport to allow you to continue receiving service and/or marketing emails if you have consented to them.

Subscription confirmed

Thank you for subscribing to receive relevant updates from Southern.

Subscription Failed

Something went wrong with your submission, please try again later.

• Places to Visit
• Sightseeing
• Practical Tips
• Where to Stay

London Underground Tickets & Travelcards

The Travelcard is a transport pass for London that gives you unlimited travel in London within certain zones . The prices vary according to the number of zones you need to travel through. Central London is in zone 1.

Travelcards are valid for 1 day, 7 days, 1 month or 1 year.

The passes are valid for travel on all types of transport in London including:

• the Underground (the tube)
• the local suburban trains within London
• the Elizabeth Line (not west of West Drayton)
• the Docklands Light Railway (DLR)
• the London Overground
• the buses all over London. A Travelcard for any zone allows you to use the buses in all zones (zones 1-6)

The 3 Day Travelcard, weekend Travelcard, Zone 1-2 & 2-6 One Day Travelcards are no longer available.

Visiting London for 1-7 days? See our guide to London’s transport tickets & passes . The Travelcard may not be the best ticket for your stay.

Single Underground Tickets

Single paper tickets on the London underground are expensive if you buy them from a tube station ticket machine:

• £6.70 for one journey in zone 1 (central London) and between zone 1 and zones 2 to 6
• See single ticket prices for all zones .

One Day Travelcards: 2024 prices

Using a Pay as you go Oyster card or a contactless card are the cheapest ways to pay for travel if you’re in London for 1-5 days. The daily cap is £8.50 per day for zones 1-2

If you really don’t want to use an Oyster card or don’t have a contactless card, the One Day Travelcard is the next best money-saving pass.

The paper Off peak One Day Travelcard for zone 1-6 is  £15.90. This is expensive, but still cheaper than paying the full cash fare for 3 underground trips in central London (3 x £6.70 = £20.10 ).

One Day Travelcard fares 2024

Peak v anytime travelcards.

One Day Travelcard prices are different if you travel during peak or off-peak times:

Anytime Travelcard Valid for travel at anytime. Off-Peak Travelcard For travel after 9.30am Monday–Friday and all day Saturday, Sunday and public holidays.

Top Tip: An Off-Peak One Day Travelcard for zones 1–6 costs  £10.40 with a Railcard .

Weekly Travelcards: 2024 prices

If you stay in London for 6–7 days and use the underground, trains, and buses every day, the weekly Travelcard is the most cost-effective travel pass.

The one-week pass including central London (zones 1-2) is  £42.70.

• It can start on any day of the week
• It’s valid for travel at anytime; there is no peak or off-peak rate.

Most places sell weekly Travelcards loaded onto a plastic Oyster card. There’s a £7 fee for the Oyster card.

Your fare on an Oyster card will automatically cap at the weekly Travelcard fare (this is already available on contactless cards). The cap starts on Monday and ends Sunday, so it mainly benefits Londoners or those working in London.

Weekly Travelcard fares 2024

• See weekly Travelcards prices for all other zones (2, 3, 4, 5 and 6)

Monthly Travelcards: 2024 prices

For longer stays in London, monthly Travelcards are available. You won’t save much compared to buying 4 x weekly Travelcards – but you’ll save time renewing it. Like the weekly Travelcard, it can start on any day of the week and is valid for travel at any time. See monthly Travelcard prices for all other zones (2, 3, 4, 5 and 6)

Monthly Travelcards 2024

Where to buy travelcards.

One day, weekly and monthly Travelcards are available from:

Underground stations

Travelcards are available from all underground station ticket machines (there are no longer any underground tickets offices). The busier stations in central London have staff to help you use the machines.

Local shops and newsagents

Travelcards are also available from Oyster ticket stops . These are newsagents and local shops licensed to sell London transport tickets and Oyster cards. One Day Travelcards are not available from Oyster ticket stops.

London train stations

One Day Travelcards are available from all London train station ticket offices and ticket macines. Paper weekly and monthly Travelcards are no longer available from train stations . They are available to buy, but they are loaded onto an Oyster card and may only be available from ticket machines, not ticket offices.

London Transport Visitor Centres

TfL Visitor Centres at Victoria train station, Kings Cross/St Pancras International station, Heathrow Terminal 2 & 3 tube staion, Liverpool St station & Piccadilly Circus tube station.

How to use a Travelcard

On the underground.

If you have a paper One Day Travelcard or single ticket from a ticket machine, insert the card into the slot on the front of the ticket barrier. The barrier opens when you take the ticket from behind the yellow reader, on the top.

If you have a paper One Day Travelcard, just show it to the driver when boarding the bus.

See How to use an Oyster card if you have a weekly Travelcard on an Oyster card.

Top Tip: Do you want a cheaper way to travel around central London? If you only travel by bus , it costs £5.25 per day or £24.70 per week.

Related pages

• Guide to London’s transport tickets
• Weekly and monthly Travelcards for zones 2, 3, 4, 5 & 6
• Oyster card
• How to use a contactless card to pay for transport
• Bus tickets & passes
• London Transport zones

Last updated: 22 February 2024

Transport tickets & passes

• Guide to London's transport tickets
• One day & weekly Travelcards
• Zone 2–6 weekly Travelcards
• Bus tickets & passes
• Oyster single tickets
• Oyster card refunds
• Contactless cards
• Child tickets & passes
• Local train tickets

Useful information

• Plan your journey
• London transport zones

Popular pages

• Left luggage offices
• Congestion Charge
• 2 for 1 discounts at London attractions
• Oyster cards
• Top free museums & galleries
• Cheap eating tips
• Heathrow to London by underground

Copyright 2010-2024 toptiplondon.com. All rights reserved. Contact us | Disclaimer | Privacy

Watch CBS News

Americans continue to rack up credit card debt, hitting a record $1.14 trillion

By Khristopher J. Brooks

Edited By Anne Marie Lee

Updated on: August 6, 2024 / 4:52 PM EDT / CBS News

U.S. consumers collectively owe a record $1.14 trillion in credit card debt, figures released Tuesday by the Federal Reserve Bank of New York show . That's $27 billion  more than  the $1.13 trillion in credit card debt they carried during the second quarter of 2024.

The high tally comes amid  concerns of an economic downturn  triggered by modestly rising unemployment, and as soaring costs in food , housing and auto rates continue to drain household budgets. Americans have  increasingly been relying on credit cards  to make ends meet, with 6 in 10 adults, or 60%, using credit cards to buy groceries in 2023, according to a May  report  by the Urban Institute.

Prolonged debt also plays a factor in the historic amount as more Americans fall behind on their credit card bills. About 7.18% of cardholders fell into delinquency in the second quarter, up from 5% in the previous quarter, Fed statistics show. 

"More people are carrying more debt for longer periods of time," Ted Rossman, senior industry analyst at Bankrate, said in a statement. 

Americans paid down some of their credit card debt in 2020, using pandemic-related federal stimulus funds, Rossman noted. But beginning in 2021, credit card balances "rocketed upward by 48%, fueled by a post-pandemic boom in services spending as well as high inflation and high interest rates," he added. 

Debt owed on mortgages and auto loans also climbed by $77 billion and $10 billion, respectively, according to the Fed's data. Total consumer debt grew to $17.8 trillion. 

Rising interest rates

Compounding the problem is the soaring price of plastic, as interest rates on credit cards also continue to reach record highs. The average interest rate on a new credit card is now at 24.84%, the highest since LendingTree started tracking rates in 2019. 

To be sure, both credit card debt and credit card interest rates could decline if the Federal Reserve  decides to cut  its benchmark rate in September — or perhaps even sooner . 

The time for a rate cut "is approaching, and if we do get the data we hope we get, then reduction of our policy rate could be on the table at our September meeting," Fed Chairman Jerome Powell said last week. 

• Could the Fed enact an emergency rate cut before its next meeting? Here are the odds.

The Federal Reserve's benchmark rate doesn't translate directly into movements in credit card annual percentage rates, or APRs, but because card rates are tied to the prime rate used by banks, which closely follows the Fed's federal funds rate, there is an indirect correlation.

In other words, credit card companies could lower their APRs in response to a rate cut by the Fed, LendingTree credit analyst Matt Schulz  told CBS News , providing some relief for borrowers in the months ahead.

• Credit Card Debt

Khristopher J. Brooks is a reporter for CBS MoneyWatch. He previously worked as a reporter for the Omaha World-Herald, Newsday and the Florida Times-Union. His reporting primarily focuses on the U.S. housing market, the business of sports and bankruptcy.

More from CBS News

Here's how to freeze your credit after Social Security number breach

3 big reasons to lock in a mortgage interest rate before September

How much would a $150,000 HELOC cost per month?

Rules for buying and selling a home are changing. Here's what to know.

How Do Travel Credit Cards Work?

Travel credit cards allow you to earn points and miles you can redeem for flights, hotel stays and more.

Getty Images

You'll maximize the value of your rewards by using your issuer's travel or shopping portal instead of a third-party site.

Key Takeaways

• Travel credit cards offer rewards that can save you money on the likes of flights and hotel stays, plus perks for the traveler.
• Co-branded cards apply to specific airlines or hotel chains, while general cards offer flexibility.
• Travel credit cards may come with annual fees, but higher fees may mean more rewards and perks.

Transitioning from cash back credit cards to travel credit cards can feel a little daunting. But once you get the hang of it, it's almost as straightforward. Almost.

Types of Travel Credit Cards

General travel credit cards.

These are your regular travel cards that offer rewards within a card issuer's benefits program. Say you have the American Express® Gold Card . You would redeem your rewards using the American Express Membership Rewards program. This can all be done in the app, so it's less complicated than it sounds.

These types of travel cards are best for consumers who don't have any kind of allegiance to a particular hotel or airline. These cards also have flexible redemption options, so depending on the issuer, consumers can transfer rewards to a number of travel partners.

Hotel Credit Cards

You might have seen these being called co-branded cards. That's because these cards are a partnership between a hotel chain and an issuer. Points can be redeemed for hotel perks, like free stays and room upgrades. Consumers also earn the most rewards when they use their card at their preferred hotel chain.

For example, consumers with the Hilton Honors American Express Aspire Card earn 14 Hilton Honors Bonus Points for every dollar they spend at Hilton hotels and resorts. It's worth noting, though, that cards with high earning rates often charge higher annual fees. Such is the case with the Aspire Card, as it charges an annual fee of $550.

The information for the Hilton Honors American Express Aspire Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

Airline Credit Cards

Also considered co-branded cards, airline credit cards cater to the consumer who frequents a specific airline. Many offer introductory bonuses in the form of miles and provide perks like award flights, free checked bags and priority boarding.

The Delta SkyMiles® Blue American Express Card , for example, has a welcome offer of 10,000 miles after you spend $1,000 in eligible purchases in the first six months as a cardholder. And cardholders earn 2 miles for every dollar spent on Delta purchases and at restaurants worldwide. ( See Rates & Fees )

Common Travel Credit Card Perks

These benefits will vary depending on the type of travel credit card you have, but many perks include:

• No foreign transaction fees
• Trip cancellation and/or trip delay insurance
• TSA PreCheck or Global Entry application fee credit
• Baggage delay or lost baggage insurance
• Auto rental collision damage waiver
• Airport lounge access

How Travel Credit Cards Work

Cardholders can earn points and miles in the same way they'd earn cash back. Just use your travel credit card for purchases that help you get the most rewards. Once you're ready to spend them, it's best to use your issuer's travel or shopping portal instead of a third-party site. Your rewards will have a slightly higher value that way.

Miles earned on an airline credit card get deposited into your airline frequent flyer program, usually when your statement closes. Similarly, hotel points earned on a hotel credit card get deposited into your hotel loyalty account.

Rewards earned on general travel cards have a bit more flexibility. Many have travel partners, allowing you to transfer rewards to multiple airlines, hotels and car rental companies.

How to Redeem Rewards

Rewards programs typically use a 1-to-1 conversion rate – this means one point is worth 1 cent. So 100 points are worth $1. But some issuers offer higher redemption values if you use their travel portal.

For example, if you have a Chase Sapphire Preferred® Card , one point is worth 1.25 cents when you redeem through the Chase Travel portal. Chase Sapphire Reserve® has an even higher redemption rate of 1.5 cents per point.

Another way to maximize your rewards is to transfer points or miles to a travel partner with a loyalty program you participate in. You can do this through the issuer's portal. It's worth noting, however, that once you transfer your rewards to a travel partner, you can't transfer them back to the issuer.

Once you've made the transfer, your credit card issuer is no longer part of the booking process. You then book your trip through the airline or hotel loyalty program.

How to Pick the Right Travel Card

There are a plethora of travel credit cards out there. Here's what to consider when choosing the one right for you:

• Travel preferences. Picking the right travel card means figuring out how you travel. For instance, if the airline or hotel doesn't matter to you, then a general travel card is a good starting point. But if you consider yourself, say, a Delta die-hard, a co-branded airline card would be a better option.
• Introductory bonus. When you apply is almost as important as the type of card you apply for. Issuers often change their welcome offers on a yearly basis. Unfortunately, it's impossible to predict when an issuer will increase its welcome offer. But compare these offers and determine if you're able to comfortably meet the requirements before deciding on a card.
• Annual fee. There are plenty of travel credit cards with no annual fee for the budget-conscious traveler. But remember, the higher the fee, the better the perks (usually).
• Essential perks. That TSA PreCheck or Global Entry credit can go a long way. Or maybe you know you're an over-packer and need that first-checked-bag-free credit. Make sure the travel card checks all your boxes.

After learning how to get the most out of your new travel card, you'll be able to pay for whole trips with just rewards. They're essential for those consumed with wanderlust.

Tags: credit cards , Travel Credit Cards

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

• Bahasa Indonesia
• Slovenščina
• Science & Tech
• Russian Kitchen

How to use a Troika card on Moscow’s Metro, and other ways to buy tickets

Passengers pass turnstiles at the Serpukhovskaya station of the Serpukhovsko-Timiryazevskaya Moscow metro line.

Moscow residents can now top up their Troika transport cards with the official Moscow Metro app, subway representatives announced on Oct. 31. To put money on the card, passengers simply need to download the app and transfer money via NFC connection. What other ways can you pay for riding on Moscow’s public transport?

Troika card

It’s by far the most convenient option for using public transport in the Russian capital. This plastic card is valid for five years, so you don’t need to throw it away after your trip to Russia. You can ride with a Troika on the Moscow metro, as well as Moscow’s Central Ring, buses, trams, and trolley buses.

One ride costs 35 rubles ($0.6), but if you change transport within 90 minutes you will only pay 19 rubles ($0.33) for the next journey. Further changes within those 90 minutes are free.

You can top up your card with the subway attendants who sit behind the glass panels, automated terminals, or via the special Moscow Metro app . Kiosks accept both cash and cards. According to the Moscow Metropolitan official site, you can only keep 3,000 rubles ($51) on your Troika. If you don’t use up all your credit before you leave Moscow, you can cash in the card and get your money back - but this is only possible to do at Metro Service Centers (Ulitsa 1905 Goda street, 25 or  Staraya Basmanaya Street, 20 bld 1; 8 a.m.-8 p.m. daily).

Your Troika’s balance can be checked on the app or on the small yellow terminals inside the metro stations.

Important point – one card should only be used by one person (the subway’s rules state that every person should have their own ticket). You can also be hit with a fine of 1,000 ($17) if caught riding the underground without a ticket.

How to get a Troika: Get the card in any metro kiosk or automated ticket office. The card is free, but you need to leave 50 rubles ($0.85) as a deposit. You can return it after.   

United (Yediny) ticket

This red paper card can have 1, 2, 20, 40, or 60 rides on any kind of Moscow public transport, and the price depends on the number of rides (more rides you buy the less you pay for a ride), from 55 rubles ($0.95) to 28 rubles ($0.48). If you plan to use transport a lot, you can buy a ticket for 60 rides for 1,700 rubles ($30). A ticket for one or two rides is only valid for five days, while other kind of tickets can be used for 90 days.

If you don’t plan to use metro, you can order a card for ground transport only (it will be dark blue with TAT letters on the cover). This card costs 1,150 rubles ($19) for 60 rides.

How to get it: You can buy this card in any metro kiosk. Cards for one or two rides can be also purchased in automated ticket offices.

Daily tickets

Muscovites often buy tickets without ride limits for specific periods – 30 days, 60 days, or one year. But Moscow Metro suggest special tickets for tourists – for one day (210 rubles, or $3.6), three days (400 rubles, $6.9) or seven days (800 rubles, $13.8). They also can be used on any kind of public transport. Tourists’ tickets also have no limit for rides.

How to get it: You can buy this card in any metro kiosk.

90 minute ticket

Another kind of ticket allows one ride on the metro and any number of rides on other Moscow public transport within 90 minutes. The card can be for one (65 rubles, or $1.1), two ($130 rubles, or $2.2), and 60 rides (2,650 rubles, or $46). This card is useful if you have to catch different kinds of transport for a short time.

It’s helpful to add this card to your Troika. Moreover, it will save the paper.

Payment via smartphones

Smartphone owners can  pay  travel fares via Samsung Pay and Apple Pay, linked with MasterCard credit card and the Wallet app. Apple Pay can also be installed on iWatch. The price for one fare costs 40 rubles ($0.7). You can also use these apps for buying usual tickets in kiosks.

Since late 2016, this system has been available at all ring railway stations and 80 metro stations across the city.

In the future, smartphone-enabled ticket turnstiles will be installed at all Moscow metro stations.

How to get it: Download the Samsung Pay and Apple Pay and start riding!

Unique tickets have recently appeared in Moscow. Bracelets, rings, and keychains with transport microchips are not only a souvenir from the Russian capital, but also a serious way to use metropolitan. The deposit price for a bracelet is 450 rubles ($8), for a keychain – 350 rubles ($6). One ring costs 2,200 rubles ($38). The price for a fare is the same as for the Troika card.

How to get it: Only at the Pushkinskaya metro station souvenir kiosk and souvenir shops in the Mayakovskaya and Trubnaya metro stations.

Actually there are other options to inserts transport microchip – for example, in 2015 Moscow engineer Vlad Zaitsev implanted a chip in his hand, so all he has to do is wave at the turnstile and he’s away - but we recommend enjoying Moscow’s transport in a more conventional way. 

If using any of Russia Beyond's content, partly or in full, always provide an active hyperlink to the original material.

to our newsletter!

Get the week's best stories straight to your inbox

• Why the new 'Moscow' metro train is being called the best
• Smart Moscow: How technology transforms urban living
• How Moscow's metro grew in 82 years
• How to meet a girl on the Moscow Metro?
• Treasures of the Moscow Metro: Hidden gems of the Purple Line stations

This website uses cookies. Click here to find out more.

Money blog: Britons have just weeks to claim free cash and vouchers before cost of living scheme ends

Welcome to the Money blog, your place for personal finance and consumer news and tips. Today's posts include a Money Problem on the benefits or otherwise of topping up your national insurance. Leave your problem or consumer dispute below - remember to include contact details.

Monday 19 August 2024 10:43, UK

• Energy bills to rise 9% this winter - forecast
• Kellogg's shrinks size of Corn Flakes

Essential reads

• Money Problem : 'Should I top up my national insurance and could it really get me £6,000 extra?'
• Couples on how they split finances when one earns more than other
• Best of the Money blog - an archive of features

Tips and advice

• All discounts you get as student or young person
• Save up to half price on top attractions with this trick
• Fines for parents taking kids out of school increasing

Ask a question or make a comment

By Jimmy Rice, Money blog editor

Every Monday the Money team answers your Money Problems or consumer disputes. Find out how to submit yours at the bottom of this post. Today's question is...

I'm 62 and have 10 years of gaps in my national insurance record as I worked for my parents' import business without a fixed wage during most of my twenties and thirties, and had periods of unemployment in my fifties. What are the benefits of topping up before I retire in a few years and can I really get £6,000 added to my pension for every £900 I put in?  Tony, Palmers Green

This is a question many people approaching retirement will be asking themselves, Tony.

First, it's worth us outlining why your national insurance record matters and who can top up.

If you reached pension age after 6 April 2016 you need 10 years of NI contributions to get a state pension - and 35 years to get the full £221.20 a week. Before that 2016 date, it's 30 years.

People may have gaps in their record for numerous reasons including: being unemployed, on a low income, self-employed, having worked abroad, or having taken a break from work to raise a family.

Ordinarily, you can pay voluntary contributions for the past six years - but currently there's an extended period meaning a man born after 5 April 1951 or a woman born after 5 April 1953 can pay voluntary contributions to make up for gaps between April 2006 and April 2016.

The deadline for this is 5 April 2025.

How much could topping up earn you?

It would cost £907.40 to cover all NI contributions from the 2023-24 tax year - each year is different but this is a good guide. Going back to your question, if you went on to enjoy 20 years of retirement, you would get back £6,000. It would take just three years to get your £907.40 back.

Who might want to think twice?

Just to stress, as always, that this post is not intended as financial advice. Instead, we're outlining things you should think about.

The first thing anyone should consider is if they'll fill gaps naturally through working - in which case there'd be no point topping up. Given your age, Tony, it could be an option for you - but check your state pension forecast  here .

There are lots of other things to factor in and you should seek independent financial advice.

Wealth management firm  Charles Stanley  says a key consideration is whether a higher pension would either:

• Drag you into paying tax when you retire;
• Mean you no longer qualify for certain benefits.

"You might not benefit from the full amount of extra money as some will be taken in income tax," they say.

"In addition, boosting state pension income can affect entitlements to means-tested benefits. Notably, if you claim pension credit, which tops up the income of very low earners over state pension age, any increase in the state pension would normally reduce an award. This often means that you would be no better off paying voluntary contributions."

Another consideration - and this isn't something most people want to contemplate - is that if you don't think you'll live long enough into retirement (you might be in ill-health or have a terminal illness) to benefit from topping up, then it's probably not worth it.

People should also look into whether they could transfer contributions from their spouse or civil partner .

One more way to top up

Which? advises: "Ensure that you are getting any NI credits you are entitled to before contemplating paying voluntary NI contributions for a particular year. 

"These are free and will apply, say, if you are caring for a child in the family as a parent or grandparent, claiming statutory sick pay or looking after a sick/disabled person."

If you're below state pension age, you can contact the Future Pension Centre to see if you'll benefit from topping up - they're on 0800 731 0175. If you already claim the state pension, call the Pension Service on 0800 731 0469.

Again, before taking any action you should seek independent financial advice.

If you do decide to top up, you'll need a Government Gateway account.

On there, you can see gaps, the cost of filling them and how much you could benefit - you can then pay online.

This feature is not intended as financial advice - the aim is to give an overview of the things you should think about. Submit your dilemma or consumer dispute via:

• The form above - you need to leave a phone number or email address so we can contact you for further details;
• Email [email protected] with the subject line "Money blog";
• WhatsApp us here.

Britons don't have long left to claim cost of living assistance from the Household Support Fund.

Introduced in October 2021, the scheme provides local councils with funding which can be used to support those struggling most with the rising cost of living.

The vast majority of councils operate their version of the Household Support Fund on a "first come, first serve" basis and will officially end the schemes once the funding has run out in September.

The help provided by councils has ranged from free cash payments, council tax discounts, and vouchers for supermarkets and energy providers.

Who is eligible?

Local authorities were instructed to target the funding at "vulnerable households in most need of support to help with significantly rising living costs" when it was first rolled out.

In particular, councils were guided to make priority considerations for those who: 

• Are eligible but not claiming qualifying benefits;
• Became eligible for benefits after the relevant qualifying dates;
• Are receiving housing benefit only;
• Are normally eligible for benefits but who had a nil award in the qualifying period.

If you do not meet these criteria, you can still contact your local council , with many having broadened their criteria for eligibility.

By Daniel Binns, business reporter

Weapons maker BAE Systems is the big loser on the FTSE 100 this morning, with its shares down almost 3% in early trading.

It comes following reports over the weekend that the German government is planning to scale back aid to Ukraine in its war with Russia – in what would be a blow to the arms industry.

German media said ministers are set to slash support for Kyiv to 6% of current levels by 2027 in their upcoming budget.

However, the government there has rejected the reports and has denied it is "stopping support" to Ukraine.

Whatever the truth, the reports appear to have spooked traders.

Other companies involved in the defence sector, including Rolls-Royce Plc and Chemring Group, are also down more than 2% and 1% respectively on Monday.

It comes amid a slight slump in early trading, with the FTSE 100 down just over 0.2%, although the FTSE 250 is up 0.07%.

Gainers this morning include housebuilders Barratt Developments, up 1.5%, and Redrow Plc, which is up almost 3%.

Barratt said today it intends to push ahead with a planned £2.5bn merger with its rival despite concerns from the competition regulator.

Meanwhile, the price of oil is down amid concerns of weaker demand in China.

Ongoing ceasefire talks in the Israel-Hamas conflict have also raised hopes of cooling tensions in the Middle East, which would help ease supply risks and worries.

A barrel of the benchmark Brent Crude is currently priced at just over $79 (£61).

On the currency markets, this morning £1 buys $1.29 US or €1.17.

Winter energy bills are projected to rise by 9%, according to a closely watched forecast.

The price cap from October to December will go up to £1,714 a year for the average user, Cornwall Insight says.

It would be a £146 rise from the current cap, which is controlled by energy regulator Ofgem and aims to prevent households on variable tariffs being ripped off.

The cap doesn't represent a maximum bill. Instead it creates an average bill by limiting how much you pay per unit of gas and electricity, as well as setting a maximum daily standing charge (which all households must pay to stay connected to the grid).

Ofgem will announce the October cap this Friday.

"This is not the news households want to hear when moving into the colder months," said the principal consultant at Cornwall, Dr Craig Lowrey.

"Following two consecutive falls in the cap, I'm sure many hoped we were on a steady path back to pre-crisis prices. 

"However, the lingering impact of the energy crisis has left us with a market that's still highly volatile and quick to react to any bad news on the supply front.

"Despite this, while we don't expect a return to the extreme prices of recent years, it's unlikely that bills will return to what was once considered normal. Without significant intervention, this may well be the new normal."

Cornwall Insight warned that the highly volatile energy market and unexpected global events, such as the recent escalating tensions in the Russia-Ukraine war, could see prices rise further at the start of the new year.

To avoid this vulnerability, Cornwall Insight said domestic renewable energy production should increase and Britain should wean itself off energy imports.

Kellogg's appears to have shrunk its packets of Corn Flakes. 

Two of its four different pack sizes have reduced in weight by 50g, according to The Sun. 

What used to be 720g boxes are now 670g, while 500g boxes have become 450g. 

The newspaper says the 670g boxes are being sold for £3.20 in Tesco - the same price customers were paying for the larger box back in May. 

The 450g boxes are being sold for £2.19, only slightly less than the previous price of £2.25.

Other supermarkets have similar pricing, although in Morrisons the price has gone down in proportion to the size reduction.

The 250g and 1kg pack sizes remain unchanged. 

Kellogg's has said it is up to shops to choose what they charge, but Tesco said the manufacturer should comment on pricing. 

Sky News has contacted Kellogg's for comment.

A spokesperson is quoted by The Sun: "Kellogg's Corn Flakes are available in four different box sizes to suit different shopper preferences and needs. 

"As the cost of ingredients and production processes increase, it costs us more to make our products than it used to.

"This can impact the recommended retail price. It's the grocer's absolute discretion and decision what price to charge shoppers."

WHSmith has launched a café brand as it seeks to expand into the food-to-go market.

The first café is in Princess Anne Hospital in Southampton and offers teas and coffees, hot breakfasts and pastries

Its branding is the same as the Smith Family Kitchen food-to-go range launched three months ago.

WHSmith UK travel managing director Andrew Harrison said: "Whether it's in a hospital or on their journeys, customers tell us that quality food and drink options are what they prioritise most in the different locations we serve.

"That's why we have been doubling down on our food ranges and formats to ensure our customers don't need to compromise on quality or value, as demonstrated today with the launch of Smith's Kitchen."

Thanks for popping into Money, our live blog for consumer and personal finance news and tips, as we kick off a new week. Here are five reasons to pop back over the coming days...

Topping up your national insurance

Coming up this morning is this week's Money Problem , focusing on a question from reader Tony, in Palmers Green, who wants to know if he could really add £6,000 to his retirement pot with a £900 top-up to his national insurance.

Bring back Spangles

Thousands of you have got involved in our Bring It Back series in the last few weeks, suggesting the old-school sweets or treats that you'd love to see revived. This week, published first thing tomorrow, we're looking at a classic that's been mentioned time and again in our comments section - Spangles. We'll be hearing what Mars had to say about a potential return.

Why should you pay with credit card?

We'll also take a deeper dive into one of the most common pieces of consumer advice: that you should try to pay on credit card for big purchases. Why do you get extra protection, how does it work and what is and isn't covered - we'll have all the answers in Tuesday's Basically .

Yorkshire pudding secrets from top Yorkshire chef in Cheap Eats

Anyone who makes their own Yorkshire puddings - or wants to - should check back on Wednesday morning as one of Yorkshire's top chefs, James Mackenzie from the Michelin-starred Pipe and Glass in South Dalton, picks his Cheap Eats in East Yorkshire and at home - revealing his secrets for perfect/huge Yorkies, including a common mistake many people make.

Everything to know about savings and mortgages

Every Thursday we hear from Savings Champion founder Anna Bowes, who offers some advice for making the most of your spare cash and reveals the best rates on the market right now. Then on Fridays we do similarly with mortgages, hearing from industry experts on what anyone seeking to borrow needs to know at the minute before rounding up the best rates with the help of the guys from Moneyfacts.

We've got lots of others tips and features planned for this week, so bookmark  news.sky.com/money  and check back from 7am each weekday - or 8am on Saturday for our weekend feature.

The Money blog is produced by the Sky News live team, with contributions from  Bhvishya Patel, Jess Sharp, Katie Williams, Brad Young, Ollie Cooper and Mark Wyatt, with sub-editing by Isobel Souster. It is edited by Jimmy Rice.

By Emily Mee , news reporter

Openly discussing how you split your finances with your partner feels pretty taboo - even among friends.

As a consequence, it can be difficult to know how to approach these conversations with our partner or what is largely considered fair - especially if there's a big imbalance salary-wise. 

Research by Hargreaves Lansdown suggests in an average household with a couple, three-quarters of the income is earned by one person. 

Even when there is a large disparity, some couples will want to pay the same amount on bills as they want to contribute equally. 

But for others, one partner can feel resentful if they are spending all of their money on bills while the other has much more to spend and is living a different lifestyle as a result. 

At what stage of the relationship can you talk about money?

"We've kind of formally agreed there is some point in a relationship you start talking about kids - there is no generally agreed time that we start talking about money," says Sarah Coles, head of personal finance at Hargreaves Lansdown. 

Some couples may never get around to mentioning it, leading to "lopsided finances". 

Ms Coles says if you want to keep on top of finances with your partner, you could set a specific date in the year that you go through it all. 

"If it's in the diary and it's not emotional and it's not personal then you can properly go through it," she says.

"It's not a question of 'you need to pull more weight'.  It's purely just this is what we've agreed, this is the maths and this is how we need to do that."

While many people start talking about finances around Christmas, Ms Coles suggests this can be a "trying time" for couples so February might be a "less emotional time to sit down". 

How do you have the conversation if you feel the current arrangement is unfair?

Relationship counsellor at Relate , Peter Saddington, says that setting out the balance as "unfair" shouldn't be your starting point. 

You need to be honest about your position, he says, but your conversation should be negotiating as a couple what works for both of you. 

Before you have to jump into the conversation, think about: 

• Letting your partner know in advance rather than springing it on them;
• Making sure you and your partner haven't drunk alcohol before having the conversation, as this can make it easy for it to spiral;
• Having all the facts to hand, so you know exactly how much you are spending;
• Using 'I' statements rather than 'you'. For example, you could say to your partner: "I'm really worried about my finances and I would like to sit down and talk about how we manage it. Can we plan a time when we can sit down and do it?"

Mr Saddington says if your partner is not willing to help, you should look at the reasons or question if there are other things in the relationship that need sorting out. 

If you're having repeated arguments about money, he says you might have opposite communication styles causing you to "keep headbutting". 

Another reason could be there is a "big resentment" lurking in the background - and it may be that you need a third party such as a counsellor, therapist or mediator to help resolve it. 

Mr Saddington says there needs to be a "safe space" to have these conversations, and that a third party can help untangle resentments from what is happening now. 

He also suggests considering both of your attitudes to money, which he says can be formed by your early life and your family. 

"If you grew up in a family where there wasn't any money, or it wasn't talked about, or it was pushed that you save instead of spend, and the other person had the opposite, you can see where those conversations go horribly wrong. 

"Understanding what influences each of you when it comes to money is important to do before you have significant conversations about it."

What are the different ways you can split your finances?

There's no one-size-fits-all approach, but there are several ways you can do it - with Money blog readers getting in touch to let us know their approach...

1. Separate personal accounts - both pay the same amount into a joint account regardless of income

Paul Fuller, 40, earns approximately £40,000 a year while his wife earns about £70,000. 

They each have separate accounts, including savings accounts, but they pay the same amount (£900) each a month into a joint account to pay for their bills. 

Paul says this pays for the things they both benefit from or have a responsibility for, but when it comes to other spending his wife should be able to spend as she likes. 

"It's not for me to turn around to my wife and expect her to justify why she thinks it's appropriate to spend £150 in a hairdresser. She works her backside off and she has a very stressful job," he says. 

However, their arrangement is still flexible. Their mortgage is going up by £350 a month soon, so his wife has agreed to pay £200 of that. 

And if his wife wants a takeaway but he can't afford to pay for it, she'll say it's on her.

"Where a lot of people go wrong is being unable to have those conversations," says Paul.

2. Separate personal accounts - whoever earns the most puts more into a joint account

This is a more formal arrangement than the hybrid approach Paul and his wife use, and many Money blog readers seem to do this in one form or another judging by our inbox.

There's no right or wrong way to do the maths - you could both put in the same percentage of your individual salaries, or come up with a figure you think is fair, or ensure you're both left with the same amount of spending money after each payday.

3. Everything is shared

Gordon Hurd and his wife Brenda live by their spreadsheet. 

Brenda earns about £800 more a month as she is working full-time while Gordon is freelance. Previously Gordon had been the breadwinner - so it's a big turnaround.

They each have separate accounts with different banks, but they can both access the two accounts. 

How much is left in each account - and their incomings and outgoings - is all detailed in the spreadsheet, which is managed weekly. 

Whenever they need to buy something, they can see how much is left in each account and pay from either one. 

Gordon says this means "everyone knows how much is available" and "each person's money belongs to the other". 

"We have never in the last decade had a single disagreement about money and that is because of this strategy," he says.

Money blog reader Shredder79 got in touch to say he takes a similar approach. 

"I earn £50k and my wife earns just under £150k. We have one joint bank account that our wages go into and all our outgoings come out of. Some friends can't get their head around that but it's normal for us."

Another reader, Curtis, also puts his wages into a joint account with his wife. 

"After all, when you have a family (three kids) it shouldn't matter who earns more or less!" he says. 

Reader Alec goes further and says he questions "the authenticity of any long-term relationship or the certainly of a marriage if a couple does not completely share a bank account for all earnings and all outgoings". 

"As for earning significantly more than the other, so what? If you are one couple or long-term partnership you are one team and you simply communicate and share everything," he says. 

"Personally I couldn't imagine doing it any other way and I do instinctively wonder what issues or insecurities, whether it be in trust or something else, sit beneath the need to feel like you need to keep your finances separate from one another, especially if you are a married couple." 

A reader going by the name lljdc agrees, saying: "I earn half of what my husband does because I work part-time. Neither of us has a solo account. We have one joint account and everything goes into this and we just spend it however we like. All bills come out of this too. Sometimes I spend more, sometimes he spends more."

4. Separate accounts - but the higher earner pays their partner an 'allowance'

If one partner is earning much more than the other, or one partner isn't earning for whatever reason, they could keep separate accounts and have the higher earner pay their partner an allowance. 

This would see them transfer an agreed amount each week or month to their partner's account.

Let us know how you and your partner talk about and split finances in the comments box - we'll feature some of the best next week

The centre-point of a significant week in the economy was inflation data, released first thing on Wednesday, that showed price rises accelerated in July to 2.2%.

Economists attributed part of the rise to energy prices - which have fallen this year, but at a much slower rate than they did last year. 

As our business correspondent Paul Kelso pointed out, it felt like the kind of mild fluctuation we can probably expect month to month now that sky high price hikes are behind us, though analysts do expect inflation to tick up further through the remainder of the year...

Underneath the bonnet, service inflation, taking in restaurants and hotels, dropped from 5.7% to 5.2%.

This is important because a large part of this is wages - and they've been a concern for the Bank of England as they plot a route for interest rates.

On Tuesday we learned average weekly earnings had also fallen - from 5.7% to 5.4% in the latest statistics.

High wages can be inflationary (1/ people have more to spend, 2/ employers might raise prices to cover staff costs), so any easing will only aid the case for a less restrictive monetary policy. Or, to put it in words most people use, the case for interest rate cuts.

Markets think there'll be two more cuts this year - nothing has changed there.

Away from the economy, official data also illustrated the pain being felt by renters across the UK.

The ONS said:

• Average UK private rents increased by 8.6% in the 12 months to July 2024, unchanged from in the 12 months to June 2024;
• Average rents increased to £1,319 (8.6%) in England, £748 (7.9%) in Wales, and £965 (8.2%) in Scotland;
• In Northern Ireland, average rents increased by 10% in the 12 months to May 2024;
• In England, rents inflation was highest in London (9.7%) and lowest in the North East (6.1%).

Yesterday, we found the UK economy grew 0.6% over three months to the end of June. 

That growth rate was the second highest among the G7 group of industrialised nations - only the United States performed better with 0.7%, though Japan and Germany have yet to released their latest data.

Interestingly, there was no growth at all in June, the Office for National Statistics said, as businesses delayed purchases until after the general election.

"In a range of industries across the economy, businesses stated that customers were delaying placing orders until the outcome of the election was known," the ONS said.

Finally, a shout for this analysis from business presenter Ian King examining what's gone wrong at Asda. It's been one of our most read articles this week and is well worth five minutes of your Friday commute or weekend...

We're signing out of regular updates now until Monday - but do check out our weekend read from 8am on Saturday. This week we're examining how couples who earn different amounts split their finances.

Each week we feature comments from Money blog readers on the story or stories that elicited most correspondence.

Our weekend probe into the myriad reasons for pub closures in the UK prompted hundreds of comments.

Landlords and campaigners, researchers and residents revealed to Sky News the "thousand cuts" killing Britain's boozers - and what it takes to survive the assault.

Here was your take on the subject...

I've been a publican for 19 years. This article is bang on! It's like you've overheard my conversations with my customers - COVID, cost of living, wages - the traditional British boozer going out of fashion. (My place: no food, no small children). Hey Jood

I own a small craft ale bar or micropub as some say. The current climate is sickening for the whole hospitality sector. This summer has been ridiculously quiet compared to previous ones. Micropubs were on the rise pre-COVID, but not now even we're struggling to survive… Lauren

I am an ex-landlord. It's ridiculous you can buy 10 cans for £10 or one pint for £5 now. It's not rocket science, it's a no-brainer: reverse the situation. Make supermarket beer more expensive than pub beer, then people will start to go out and mix again rather than getting drunk at home. Ivanlordpeers

Bought four pints of my regular drink at a supermarket for less than one pint in our local pub. It's becoming a luxury to go to a pub these days. Torquay David

Traditional pubs are being taken over by conglomerates who don't sell traditional beer, only very expensive lager, usually foreign, and other similar gassy drinks. How can they be called traditional pubs? Bronzestraw

The main reason for pubs closing is twofold! 1: The out-of-reach rents that the big groups charge landlords. 2: Landlords are told what stock they can hold and restrict where they can purchase it from. Strange, but most pubs belonged to the same groups! A pub-goer

Less pubs are managed now, pub companies are changing them to managed partnerships, putting the pressure onto inexperienced young ex-managers. Locals complain that their local pub has gone. but they don't use them enough. Can government regulate rents and beer prices for business owners? John Darkins

I was a brewery tenant in Scotland for many years and sequestrated because of the constant grabbing at my money by greedy brewers who wanted more and more. I made my pub very successful and was penalised by the brewery. James MacQuarrie 

The only reason pubs are closing is locals only use them on Boxing Day, New Year's Eve, and one Sunday a year. Plus breweries don't need pubs, they sell enough through supermarkets! Use them or lose them. Peter Smith

The closing of pubs is a terrible shame. I still go to my local and have great memories of getting drunk in many in my hometown. They are important places in society. As someone once said: "No good story ever started with a salad." Kev K

It's the taxman killing pubs. £1 of every £3 sold. Utter disgrace. Stef

I go with my girlfriend, Prue, every day to my local. It's a shame what's happening to prices. It used to be full of people and joy but now it's a ghost town in the pub since prices are too high now. I wish we could turn back time and find out what went wrong. Niall Benson

Minimum wage is around £11 and the tax threshold is £12,600 per year. How can you possibly afford a night in a pub out when a pint costs between £3 and £8 a pint on those wages? Allan7777blue

Unfortunately, the very people who have kept these establishments going over the years (the working man) have been priced out, and they're paying the price. Dandexter

The pubs are too expensive for people to go out regularly as we once did a decade or so ago. People's priorities are on survival, not recreation. Until the living wage increases beyond an inflation that wages haven't risen above in years, then we will see shops, pubs, etc. close JD

Who wants to spend hard-earned money going into a pub that's nearly always empty. It takes away one of the main attractions - socialising. Michael

Be the first to get Breaking News

Install the Sky News app for free