Ask Jasmine 4: “Ought to I declare a breach of contract?”


Studying Time: 5 minutes


Welcome to Ask Jasmine, the column the place I spherical up among the questions I’ve acquired from readers every week. This week, I reply questions on passive earnings, breaches in a contract and credit score allowance.

I hope these solutions may also help you with any questions you will have. Don’t overlook to depart any questions you have got within the feedback beneath or e mail me on



how am i able to utilise passive earnings?


Hi there Jasmine, 

Simply been studying your fab column once more. Yesterday, I learnt the time period ‘passive earnings’ from a pal. Not sure in case you are conscious of this time period?

I’m presently in a lucky place to economize each week; (I work as an company social employee and receives a commission weekly). The cash goes into my Nationwide financial savings account. Are you able to suggest a small funding I can utilise please or one other method of saving?




Sure, I’m conscious of the time period ‘passive earnings’. Actually, we’ve got a whole lot of articles on how one can get a passive earnings (make cash with out a lot effort) on my web site Check out the ‘make cash’ part to see what we write about.

Good concept to get into some investing together with your cash.

Legally I’m not allowed to offer you recommendation over this, however I do counsel you learn up about it a bit your self. Take a look on the ‘Handle your cash’ part on and also you’ll see that we’ve got plenty of articles on how you can make investments, how you can put more cash into your pension, how you can open an ISA (ideally a shares and shares one) and plenty extra.

It’s all the time a good suggestion to place your cash into various things, so now that you’ve got a financial savings account it’s price interested by placing more cash into your pension and in addition about organising a shares and shares ISA.

You would go and go to a couple of unbiased monetary advisors and get their ideas. The primary session with a monetary advisor is free so you possibly can get some useful ideas simply by visiting them. Discover some good ones at VouchedFor right here

Hope that helps. All greatest, Jasmine.


am i able to declare a breach of contract?


Expensive Jasmine,

I took out a Sky broadband package deal nearly a yr in the past, a part of the deal I used to be to obtain a £100 present card, both a bodily or on-line use card for use after three months. Ultimately I used to be notified that my present card was now obtainable to make use of!

Nevertheless it was not provided by Sky themselves, fairly a USA primarily based firm, this appeared to be simple till I adopted the knowledge given. After making an attempt unsuccessfully and emailing the corporate, who advised me to strive once more, ultimately my e mail was returned as undeliverable.

A number of months in the past, I referred to as Sky and ultimately managed to talk to a really hostile younger man who I finally requested, “Who do suppose you’re speaking to? “, due to his condescending perspective

I used to be advised that Sky didn’t have any free present card provides working at present, and in the event that they did then they might be managed by a promotions company and don’t have anything to do with Sky, once I reminded him that the cardboard supply was a part of the contract, I used to be mainly advised I needed to take care of an company that was uncontactable.

Can I declare breach of contract? I really feel that I’m being taken for a trip by Sky they usually may very well be doing this to 1000’s. In case you may also help/advise. Thanking you.


Hi there,

Thanks on your e mail. This does sound very annoying!

I counsel that the next step could be to take your grievance to They’ve direct entry to complaints departments in lots of corporations together with Sky and I believe you’ll have a good probability of getting this sorted out should you do it via them. Give it a go anyway. If it doesn’t work, then come again to me.

All the very best, Jasmine


do financial savings have an effect on credit score allowance?


Expensive Jasmine, 

[My wife and I] do not need personal pensions or employment and reside on the Governments state pension handout. I’ve not utilized for credit score allowance due to the means check and I’ve financial savings that we live on. We have now our personal home which was the one one I might discover after two years of looking with a granny flat downstairs as a result of my spouse can not stroll. It needed to be near a hospital and I used to be knowledgeable that Addenbrookes was the very best. So, we upped sticks and boy have we suffered.

Anyway, if one has financial savings does that impact asking for the credit score allowance? There doesn’t appear to be any fuel or electrical concessions. Will the truth that we can not use the upstairs have any steadiness on requests for council leniency?

We have now been locked in for the final seven years and married for 50. We’re managing however can’t get out and about. I’m conscious of the council and the native visitor houses that need £7,500 a month it’s ridiculous, and a lot of the council helpers that volunteer for dwelling help/assist, are older than me.

Finest Regards.


Hello there,

Nice to listen to from you and I’m so sorry that you’re having such issues in the meanwhile. Now, I contacted Age UK as a result of they’re excellent on this kind of factor. Actually, I counsel that you just give them a name on 0800 055 6112. They’re open 8am to 7pm day-after-day of the yr.

In addition they emailed me about your state of affairs and mentioned:

I hope that helps. All the easiest to you and your pretty spouse. Preserve caring for one another. You’re doing an awesome job! All the very best, Jasmine

Do you have got a query for me? Depart it within the feedback beneath, or e mail me your query on I may reply it in subsequent week’s Ask Jasmine column.

Communicate subsequent week!


Disclaimer: MoneyMagpie is just not a licensed monetary advisor and due to this fact info discovered right here together with opinions, commentary, options or methods are for informational, leisure or instructional functions solely. This shouldn’t be thought of as monetary recommendation. Anybody considering of investing ought to conduct their very own due diligence. 



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