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My scheming ex-wife & mum-in-law murdered my gran and tried to frame me in evil bid to win custody of our daughter

WATCHING his two-year-old daughter and grandmother Sally play together, Eric Hill allowed himself to smile for the first time in a long while.

However he had no clue about the horror which was about to unfold, with his doting gran brutally killed just weeks later by a woman he had brought into their lives – a wife who he once loved.

a man wearing a black hat with the letter t on it stands next to a woman wearing sunglasses
Netflix
When Eric Hill met Rosa it was love at first sight and he was delighted when she agreed to go on a date with him[/caption]

The dad had been locked in a bitter custody battle with his estranged wife Rosa for months, during which his ex had become increasingly erratic, going to extreme lengths in a bid to win.

She’d got him suspended from work, lying and telling them he was dangerous – and she’d even falsely and sickeningly reported him for sexual abuse against his own daughter.

Yet nobody could’ve predicted just how far she, and her mother Mei Li who Rosa was in cohorts with, were prepared to go.

Until one fateful afternoon when Eric’s mum Sally, 91, was strangled to death, and her body dumped headfirst into a rubbish bin.

The pair even tried to frame bereft grandson Eric – who was also injured that day at the hands of Rosa and Mei Li – for the murder.

an elderly woman holding a bouquet of red roses
Netflix
Tragically Eric’s 91-year-old grandmother Selma – known to most as Sally – was an unknowing pawn in Rosa’s callous custody plan, which she concocted with her mother, Mei[/caption]

Now, Eric has opened up about the horrifying experience in new Netflix true crime documentary Worst Ex Ever, recounting the harrowing story from the very beginning…

Love at first sight

Eric and Rosa’s ‘love story’ began in 2002, when technician Eric first met Rosa’s mum Mei at a training course.

Eric says: “We just started talking, and got along. She was friendly, she was outgoing.”

In October 2002, Mei invited Eric to go on a hike, and that’s when he met her daughter, Rosa, who worked as an engineer at a tech company.

Eric says: “She had a very strong, logical mind, very analytical. I was just fascinated. She seemed to enjoy the stupid jokes I would say.

“I got up my courage and I asked Rosa out.”

Over the following months the pair got to know each other, going on trips and dates.

Eric’s dad Gregory says: “He seemed happy, and I was happy for him.

I was constantly in a state of fear. Any minute I could lose my job, never see my daughter again, possibly lose my freedom if they believed her.”

Eric

“It seemed like it was getting serious rather quickly… Rosa was his first real girlfriend.”

However, Rosa at times behaved bizarrely, which at times raised eyebrows among Eric’s family and friends.

Gregory says: “I would ask her questions and she would whisper in his ear and Eric would answer.

“Initially I thought she was shy but I know now that is a kind of way of controlling the room.

“And I remember on our phone calls, Rosa was always listening in, and he had a code word to let me know. It was just odd, odd behaviour.”

Eric says: “I’m not a super outgoing person, but I guess I was more outgoing than she was. At least that’s what I thought at the time.”

a man wearing glasses and a pink hat is hugging another man
Netflix
Rosa was Eric’s first ever serious girlfriend, and he doted on her – but she was pretty controlling from the beginning[/caption]

‘I felt everything’s coming together’

On Valentine’s day 2004, Eric plucked up the courage to ask Rosa to marry him, saying: “When she said yes I was elated, I was excited.”

Eric’s grandmother Selma, known as Sally, who he was very close to, was also thrilled.

Eric says: “She was a doting grandmother, a very generous person.

“She was also very friendly. She really wanted to talk to Rosa about wedding plans and was so full of energy.

“Mei seemed very happy and thrilled and already had lots of ideas. Rosa and Mei were really tight.

“I felt like everything’s coming together.”

a group of people posing for a picture including an older woman
Netflix
Eric’s grandmother Selma, known as Sally, was thrilled at news the couple were engaged[/caption]

‘She threw a punch at me’

In April 2005, the pair wed – but things rapidly took a turn for the worst.

Eric says: “About a week into our honeymoon we ended up having a really big fight.

“She threw a punch at me. She missed me but that was the first real warning sign.”

Additionally while Eric worked, Rosa didn’t, and having got into debt to pay for the wedding and honeymoon, the couple began to have money problems.

Eric says: “We had a lot of arguments about that.

“After a while I started to get scared.

“She would never lead with physical violence, but I knew from that one incident in Hawaii that she wasn’t afraid to go there.”

Rosa also began to alienate Eric from his circle of loved ones. He says: “To make her happy I pulled away from friends and family. I wasn’t talking to my grandmother, or my folks.”

a man wearing a hat that says everything smiles next to a woman wearing glasses
Netflix
Eric was delighted when Rosa agreed to marry him, and they wed in April 2005, just over a year after they got engaged[/caption]

‘I felt like a failure’

A few months after they got married, Rosa got pregnant, and their daughter was born June 2006.

At this point Eric worked two jobs to provide for his family but their fights started to escalate and Rosa began to threaten divorce.

Eric says: “It was tough because I really did want this to work out… I really wanted to make her happy.

“For a while I felt like a failure.”

In the rare moments Eric was home between work, Rosa regularly wasn’t, opting to spend more time at her parent’s.

Eric says: “It was getting lonely. It was hard not being able to spend much time with my daughter. I was starting to suffer with mental health issues, heavy depression.”

‘She kicked me out’

In March 2007, Rosa and Eric separated. Eric says: “She just kicked me out. At this point Rosa had complete control over all of our assets.

“She had the house. She had the kid. She had the bank accounts. I had nowhere to go.

“Luckily for me my grandmother was kind enough to take me in.”

Three months later, Rosa wasn’t letting Eric see his daughter – and he knew he had to take action.

He says: “I asked if I could visit on her first birthday. Rosa just flat out refused. That’s when I got angry.

“I decided at that point that I would sue for custody.

“Of course, it got ugly. Rosa sent an email to my job stating I was off my medication and that I was going to shoot the place up.

“My office suspended me. I’d never owned a gun or violated the medicine protocol my doctor put me on.”

a man wearing glasses and a blue shirt looks at the camera
Netflix
Eric has recounted his experiences in new Netflix documentary, Worst Ex Ever[/caption]

Missed milestones

After the claim was investigated Eric was cleared, and granted 50 per cent custody in court.

Eric says: “I was really excited but when I finally saw my daughter it was a shock because when I saw her the last time she was a tiny baby.

“I missed the first steps, those kind of milestones – and that hurt.”

A few months later, Rosa called the police and alleged Eric was sexually abusing their daughter – which was later proved to be a lie.

Eric says: “I was constantly in a state of fear. Any minute I could lose my job, never see my daughter again, possibly lose my freedom if they believed her.

“I was really shocked she went that far.”

Deputy District attorney Casey Bates says: “The allegation was completely fabricated and that, ironically for Rosa, resulted in the courts stripping her custody rights.”

Worst Ex Ever - A closer look

The new true crime series Worst Ex Ever documents four instances of relationships gone extremely wrong, featuring interviews with survivors, victims’ families and investigators...

  • Episode 1: One night Angie receives a distressing call from her friend Justine. When Angie shows up to Justine’s house, she comes across a terrible discovery that leads to a statewide police hunt for Justine’s boyfriend of two months, a dangerous man named Benjamin Foster.
  • Episode 2: Seemona, a financial adviser and small-business owner, lives a busy life in Queens, New York. Despite working long days, she manages to meet a police officer named Jerry Ramrattan, and the two hit it off. But after two years together, Seemona gets a shocking call alleging Jerry isn’t who he says he is. When she confronts him, he turns violent, then launches a years-long campaign of torment.
  • Episode 3: Despite her seemingly shy nature, Rosa Hill quickly bonds with Eric during a group hike in Alameda, California, and the two eventually get married. As their relationship deteriorates amid Rosa’s control issues, Rosa and her mother, Mei Li, enact a bizarre scheme to gain sole custody of Eric and Rosa’s child, putting his family in grave danger.
  • Episode 4: When Amanda met Kevin Lewis she found his efforts to woo her both bold and charming. Years into their relationship, after Kevin’s emotional abuse becomes violent, Amanda asks for a divorce. But when Kevin’s continued behaviour causes him to lose custody of their three children, his rage turns deadly. 

‘I could hear her screaming daddy’

The situation finally crescendoed on January 7, 2009.

Sally’s boyfriend Lester called at 4pm, and she didn’t answer the phone – which was highly unusual, so he sent his son Jeff and his wife to check on her.

Arriving home and seeing them outside, Eric says: “I kind of had a bad feeling.

“I was worried something might have happened to her – a stroke or heart attack.”

Eric and his two-year-old daughter went upstairs to look for Sally, and that’s when he heard a noise behind him and saw Mei.

He says: “I was shocked. She said my grandmother had called her.

“As I ran out, Rosa jumped out from the baby’s room wearing a black trench coat, and then she shot me with a taser gun.

“I felt a sharp pain on the back of my head. Mei hit me with a baton. I went down.

“Rosa was kicking me and Mei was hitting me with the baton and I was seeing all this blood dripping down on the carpet.

“I started to fight back.

“Rosa came out with the gun and put the gun in my chest and ordered me to stop so I stopped fighting.

“My daughter, she was locked in a dark bathroom and I could hear her screaming ‘daddy, daddy, daddy!'”

a woman in a pink shirt holds a baby in her arms
Netflix
Rosa was very close to her mother Mei, who worked with Eric and introduced him to her daughter[/caption]

‘Please don’t kill me’

Meanwhile Jeff and his wife ran next door and called police.

Former officer Jared Hattaway was one of the first on the scene.

He says: “There was a male voice that screamed ‘please don’t kill me, I don’t want to die’.

“We reach the top of the stairs. There was blood spatter. There were tasers, bullets, a baton, strewn about the entire hallway.”

Former detective Yesenia Sanchez adds: “When we first got the scene Eric was in the back of the patrol car. His eyes were wild, he was sweating. He was in disarray.

“It was much more sinister than we initially anticipated.”

‘We knew she was being deceptive’

In questioning, Rosa claimed Eric went berserk and threatened them.

But she was the one found with a gun in her possession, and she was the one in a house that didn’t belong to her.

Yesenia Sanchez says: “We knew she was being deceptive. She was dancing around our questions, answering them in different ways.”

It was then police made a grisly discovery. In a locked shed in the back garden they located Sally’s body wrapped in bed sheets stuffed in a dustbin.

HOW YOU CAN GET HELP:

Women's Aid has this advice for victims and their families:

  • Always keep your phone nearby.
  • Get in touch with charities for help, including the Women’s Aid live chat helpline and services such as SupportLine.
  • If you are in danger, call 999.
  • Familiarise yourself with the Silent Solution, reporting abuse without speaking down the phone, instead dialing “55”.
  • Always keep some money on you, including change for a pay phone or bus fare.
  • If you suspect your partner is about to attack you, try to go to a lower-risk area of the house – for example, where there is a way out and access to a telephone.
  • Avoid the kitchen and garage, where there are likely to be knives or other weapons. Avoid rooms where you might become trapped, such as the bathroom, or where you might be shut into a cupboard or other small space.

If you are a ­victim of domestic abuse, SupportLine is open Tuesday, Wednesday and Thursday from 6pm to 8pm on 01708 765200. The charity’s email support ­service is open weekdays and weekends during the crisis – messageinfo@supportline.org.uk.

Women’s Aid provides a live chat service – available weekdays from 8am-6pm and weekends 10am-6pm.

You can also call the freephone 24-hour ­National Domestic Abuse Helpline on 0808 2000 247.

‘How to murder’ Google search

Two days later an autopsy revealed Sally’s cause of death as strangulation. She had wounds on her hands which revealed she’d tried to fight, and lacerations on her body.

Police discovered Rosa’s car near to the scene, which had a samurai sword and leg irons in it, and in their home they found notes and a ‘revenge’ hit list planning out the crime.

It was revealed on one of their computer’s they’d also googled ‘how to murder’, and Rosa was also stalking Eric and taking notes on his whereabouts.

Yesenia Sanchez says: “Every piece of evidence built a stronger case against her.”

‘Operation custody’

Details of the mother and daughter’s wicked plan began to emerge and having lost her child to Eric, Rosa and her mother were plotting ‘Operation Custody’.

Deputy District attorney Casey Bates says: “The plan was to murder Eric’s grandmother and blame the murder on Eric, and to get Eric to write a confession to say he killed her because she had confronted him with the sexual abuse of his child.

“And that he became enraged and killed her and put her in the garbage can in the back of the home.

“Their plan continued that in that moment of despair, Eric Hill would kill himself… and she was rightfully reunited with her child.”

a before and after photo of a woman 's face
Netflix
Mei Li and Rosa Hill were both sentenced to serve life in prison[/caption]

‘Very lucky to be alive today’

On June 28, 2011, Rosa Hill was found guilty of the murder of Selma ‘Sally’ Hill and attempted murder of Eric, and sentenced to 25 years to life

Mei was convicted of premeditated, attempted murder and is now also serving life.

While devastated over the death of his grandmother, Eric is grateful their evil plan didn’t go how they had hoped, adding: “I am very lucky to be alive today.

“If they had gotten away with it, my daughter would never know who I was.”

Stream all four episodes of the Worst Ex Ever on Netflix now.

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Russia Gosloto 6/45 Morning Results: 15 September 2024

Russia Gosloto 6/45 Morning Draw results

The latest morning results of Russia Gosloto 6/45 are out, following the latest draw on Sunday, 15 September 2024. Russia Gosloto 6/45 Morning Results The winning numbers for today’s 10:00 draw are: Pending… For the remaining Gosloto 6/45 draws scheduled for today, please click here to stay updated on the results. More on Russia Gosloto […]

The post Russia Gosloto 6/45 Morning Results: 15 September 2024 appeared first on Political Analysis South Africa.

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All the Aldi Specialbuys hitting stores today, including beauty dupes and sport essentials

ALDI will have beauty fans rushing to the store doors as they drop their cult-favourite perfume dupes and new beauty buys.

This week’s offering of Specialbuys are perfect for getting a luxury beauty routine down at a bargain price.

an aldi sign with a bottle of perfect pink on it
Aldi’s latest Specialbuys are hitting stores today
a tube of lip oil next to a tube of lip gloss
Keep your lips soft and smooth this winter with Aldi buys

The beauty dupes have hit stores today, Sunday 15th so you might want to get your trainers on and run to your local Aldi.

Beauty

Lacura Collagen Lip Oil – £2.99

With winter fast approaching it can only mean one thing – dry lips.

But now you won’t have to worry as Aldi have re-launched their best selling lip oil to keep them soft even in the cold.

Infused with Shea Butter, Collagen and Vitamin E, this lip oil has been perfectly crafted to look after your lips. 

Plus it’s a well known dupe for the Charlotte Tilbury Magic Lip Oil which is £28 – saving you £25.

Lacura Tinted Lip Oil – £3.99

For those wanting to add some colour to the lips while keeping them moisturised Aldi has a new offering up for graps.

The tinted lip oils come in three shades; Pink Rose, Berry Bliss or Merlot Moment.

Packed with jojoba seed oil and sunflower seed oil to hydrate and nourish while adding colour to the lips.

Savvy beauty fans could save 79% per shade when opting for Aldi’s affordable alternative over Selena Gomez’s Rare Beauty Tinted Lip Oils – which have garnered 73 million posts on TikTok alone.

several bottles of perfume including empress and devotion
Their best-selling perfume dupes are back in stock

Lacura Ladies’ Eau de Parfum – £5.99

Another fan favourite making a comeback is their designer perfume dupes.

Lacura Devotion Eau de Parfum (£5.99, 100ml) offers floral notes of Jasmin, Orchard, and Rose that meet fruity hints of Plum and Blackberry undercut with notes of Amaranth and smells stirkingly similar to Dior’s J’Adore without the hefty price tag.

Perfect Pink boasts base notes of Vanilla, Tonka Bean and Sandalwood paired with delicate floral notes of Iris, Peony, and Lily of the Valley – producing a scent that is reminiscent of fresh flower bouquet and fans say it smells like Miss Dior.

Also back by popular demand, is Empress (£5.99, 100ml) offering notes of Water Jasmine, Green Mandarin, and Ginger Flower, fused together with rich Vanilla and Sandalwood.

The signature scent is reminiscent of Paco Rabanne’s Olympéa Eau de Parfum but is 94% cheaper than the high-end counterpart at a whopping retail of £103.

a bottle of lacura perfect skin tint mascara and a bottle of vitamin c turmeric oil
Skincare and beauty dupes are up for grabs too

Lacura Vitamin C Serum – £5.99

For those looking to update their skincare regime this Vitamin C serum will keep skin looking hydrated.

The holy grail ingredient is known for it’s anti-ageing properties, keeping skin looking plump.

It also helps to moisturise and keep dry skin at bay during the colder months.

Lacura Perfect Skin Tint – £4.99

Nobody wants to wear a heavy foundation every single day and this skin tint is the perfect answer.

The lightweight, buildable tinted moisturiser is deal for day to day wear and comes in six shades.

It helps blurs imperfections and evens skin tone without feeling heavy, plus it’s 83% cheaper than the Fenty Beauty Eaze Drop Blurring Skin Tint.

Lacura Dramatic Lash Mascara – £4.99

making a comeback this autumn is the Dramatic Lash Mascara in the shade black which promises to define lashes while adding heaps of volume.

It also has a similarly shaped wand to Lancôme’ ‘s £29 Hypnôse Drama Mascara with plastic spikes to really get into the lash line.

a bottle of lacura replenish shampoo next to a tube of lacura replenish conditioner
A new launch will make sure you hair doesn’t dry out in the cold weather

Replenish Shampoo & Conditioner – £4.49

A brand new haircare line is also being added to shelves tomorrow with their Replenish Ultra Hydrating Shampoo, and Replenish Ultra Hydrating Conditioner.

Shoppers could save up to 89% when opting for Lacura’s alternative over the Kérastase Nutritive Hydrating duo.

Both brands are enriched with plant-based proteins to provide strength to the hair and also add deep hydration with niacinamide.

a blue sports bra and leggings are shown on a white background
A fun new gym outfit will keep you motivated this winter

Sports

Adjustable Sports Bra – £5.99

Buying a sports bra is not only expensive but tricky when you’re looking for good support.

But this Aldi one ticks both boxes and comes in two gorgeous designs – cobalt blue and a blue and white tie dye pattern.

It’s made with breathable material to keep you comfortable during you workout and comes in sizes Small to Large.

Crane Ladies Running Leggings – £6.99

Having a fun workout outfit is motivation in itself to get you out there and these matching leggings are perfect.

They’re made with breathable fabric as well and have a supportive waist band to make sure they stay up.

The leggings are available in sizes 8/10 and 16/18.

a pair of blue shoes next to a black vest
Keep warm and comfy on a run in these essential buys

Ladies’ Crane Running Gilet – £9.99

Keep yourself warm on your run this winter with this cosy and breathable gilet.

Not only is it waterproof as well, it also has reflective details so you can be seen when the dark evenings start.

Crane Ladies Running Shoe – £19.99

Help yourself get into the running spirit with these purse-friendly running trainers in a matching blue to Aldi’s workout ensemble.

While most running trainers cost upwards of £100 these are a bargain price at under £20.

The EVA sole is supportive and adds elevation making them comfortable to walk, jog or run in.

Next Weeks SpecialBuys

Aldi release new Specialbuy products every Thursday and Sunday in stores and here's a sneak peak at what's coming next week which is all about homeware.

  1. Hotel Collection Matte Reed Diffuser – £3.99 in a collection of stunning autumn scents from;  Opium Noir, Oud & Bergamot or Sweet Almond & Macaroon
  2. Purewick Scented Cake Tin Candle – £2.79 these delicious smelling candles are perfect for lighting on a cold night – fragrances include; Lemon Drizzle, Coffee Cake, Salted Caramel or Victoria Sponge
  3. Crofton Autumn Casserole Dish – £14.99 their viral Le Creuset oven dishes are back in pumpkin shape you can grab in orange, white or dark green
  4. Kirkton House Autumnal Gonk – £7.99 It’s time to get into the festive spirit and what better way then decorating your home with these adorable gonks
  5. Ambiano Classic Stand Mixer – £39.99 There’s no better time to start baking than in cold winter and this mixer will take all the hard work out for you

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Nicole Scherzinger shows off incredible figure in red bikini as she poses on yacht with Thom Evans

NICOLE Scherzinger issued a “cheers to the weekend” as she stripped to a red bikini on-board a boat.

The Baby Love songstress, 46, raised a glass to the camera in a cheers as she flashed a pout.

a woman in a red bikini is sitting on a boat holding a drink
nicole scherzinger/instagram
Nicole Scherzinger raised a ‘cheers to the weekend’ as she posed on-board a boat[/caption]
a man and a woman are sitting on a boat with their arms outstretched
nicole scherzinger/instagram
The Pussycat Dolls hitmaker, 46, stripped to a red bikini with cream sarong[/caption]
a man in a paisley shirt sits next to a woman in a white dress
nicole scherzinger/instagram
The Don’t Cha hitmaker is on a loved-up getaway with fiance Thom Evans[/caption]
a man and a woman are sitting on a boat and the woman is wearing a red bikini top
nicole scherzinger/instagram
Nicole added a straw hat and sunglasses to complete her elegant look[/caption]

Nicole perched on a padded lounger on-desk in the striking two-piece, which gave a glimpse at her toned figure.

She added a splash of elegance with a nude sarong and straw hat.

In additional images, she was joined by fiance Thom Evans, 39, as the pair enjoyed a cute cuddle while the boat made its way around the tranquil Portuguese waters.

Pussycat Dolls star Nicole wrapped her Instagram grid post with a duo of images showing the couple on a night out.

She had switched her outfit to a cream mini-dress while Thom opted for a patterned shirt and shorts as they watched the sunset from the beach.

In her caption Nicole gushed: “Cheers to the weekend and to making beautiful memories.”

One fan was quick to reply: “Love all the pictures. You look amazing.”

A second put: “Most gorgeous couple,” as a third wrote: “Hope you’re having a great time.”

One then put: “My favourite couple.”

Recently, Nicole flashed her bum as she enjoyed a sun-soaked bike ride in a bikini.

She previously stretched out on a boat in the Algarve and enjoyed a glass of wine on-board.

Meanwhile, Sunset Boulevard lead Nicole recently admitted she can’t wait to start a family with former rugby ace Thom.

The couple announced their engagement last summer but say the wedding is “not even planned.”

Nicole said: “I want to have a baby but work calls.

“Oh my gosh, I would love to. I’ve never shied away from that.

“I can’t wait.”

The Don’t Cha hitmaker recently tapped back into her own Hawaiian heritage as she enjoyed a meditation session on a volcanic rock.

a woman in a bikini is kneeling on a raft in the ocean
Instagram
The Pussycat Dolls star is no stranger to a bikini snap[/caption]
a man in a tuxedo stands next to a woman in a black dress
Getty
Thom and Nicole recently opened up on their family plans[/caption]

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I got £200 in extra cost of living payments for groceries – it was a lifesaver and took minutes to apply

FOR Ellena Jackson, a chance encounter with a little-known fund brought much-needed relief when she was struggling for money.

The 43-year-old left her teaching job last Easter and soon found it was hard to keep on top of her groceries and bills.

a woman writes on a white board that says online education
Getty
The scheme has dished out more than £10m in free cash[/caption]

After being unemployed for a couple of months, Ellena was in dire need of financial assistance.

Ellena was working as a teaching assistant, but suddenly found she had to leave her job to care for her grandmother, who has dementia.

Living in her grandmother’s one-bedroom flat, Ellena struggled to make ends meet amid the rising cost of living.

She explained: “I didn’t know where to go, not knowing what’s out there especially if you are working or have a part-time job.

“Some people don’t necessarily know there are places that can help.”

Fortunately for her, she was checking in on her TSB banking app one day when she spotted a pop-up on her screen about a platform called Lightning Reach.

Lightning Reach is a platform which helps those struggling with money find grants they could be eligible for.

Ellena told The Sun: “I knew that I needed some help, but honestly didn’t know where to turn.

“While on my Internet banking app, I spotted information about financial assistance available through a platform called Lightning Reach, so decided to give it a go.”

“I hadn’t applied for government help, but I didn’t have anything coming in, so it was kind of like a lifeline for me,” she added.

When the £200 came through, it was a “massive relief”.

She used the money for everyday bills and essentials, helping her get through a tough month.

Ellena, who lives in London, was reluctant to apply for benefits or other schemes.

“I think when you’re a certain age – I’m 43 – you were brought up not to ask for help or take financial help,” she explained.

Ellena had never heard of Lightning Reach before, but that click turned out to be a game-changer.

Getting the cash

After following a link to Lightning Reach and filling in a short form about her situation, a whole list of grants popped up that Ellena could apply for.

Lightning Breach offers a filter system that tailors available funds to your specific situation.

Then users can sift through what’s filtered.

“It was really straightforward actually. I didn’t have to wait too long,” she said.

“The requirements were basic: bank details, bank statements, and employment status.”

For Ellena, the Teaching Staff Trust was the best fit and it took her just moments to apply.

Within minutes she was told she could get the £200 cash grant.

“I was quite surprised to receive the money, as I really didn’t expect to,” she said.

It took just over a week and a half for her to receive the cash directly to her bank account.

It solved a lot of her issues all at once, while also not making her feel like she’d taken a handout.

Ellena said: “There’s a stigma attached to asking the government for assistance, but receiving funds from something completely separate like Lightning Reach really took the stigma away for me.

“The portal was very easy to use and access information. It made me feel secure, especially because it was connected to my bank (TSB).”

She added: “It makes you feel like you’re not alone and that other people are going through the same thing.

“This award has eased the burden of upcoming bills and will help alleviate my other costs. The support made a significant difference in reducing my mental health worries.”​​

What is Lightning Reach and how does it work?

TSB’s banking app connects customers to Lightening Reach which can quickly tell struggling households which grants or payments they may be entitled to.

The bank said more than £50,000 has been paid to customers since it started the scheme in April 2023.

Nicola Bannister, Customer Support Director, TSB, said: “Our partnership with Lightning Reach is proving vital to customers with money worries, by connecting them to the financial support they didn’t know existed.

“If you’re struggling with finances talk to your bank – as there may be help readily available to you.”

Lightning Reach officially launched in 2023, and has around 2,500 grants on its portal from an array of organisations, all available to qualifying applicants.

TSB says the average successful applicant receives £1,070 with £10million awarded through the portal so far.

The top types of support awarded through the portal are energy and utilities, food and essential items, furniture and appliances, clothing and housing costs.

Ellena isn’t the only one who has received hundreds of pounds of help through the portal.

Becci James stopped using her car because she couldn’t afford the fuel, but through Lightning Reach, she got £1,000 in extra cost-of-living payments for groceries.

Plus, Jessica Wheeler was struggling to afford even basic essentials for her baby boy before finding the scheme.

She managed to secure £1,240 in payments for baby essentials with the little-known scheme.

If you are not a TSB customer you can access Lightening Reach directly at lightningreach.org/application-portal.

You can also search for grants at Turn2us grants-search.turn2us.org.uk.

How to get support

Nicola also shared her tips if you find yourself struggling with finances.

Contact your bank: Speaking to your bank does not affect your credit rating and can be the first step to finding a better solution and getting financial help. 

Check for unclaimed grants: Lightning Reach and other benefit calculators can make sure you’re not missing out on money you’re entitled to.

Set your budget: Rising bills and prices mean it’s important to know how much money is coming in and going out, so you don’t overspend. 

Look for where you can make savings: Use your banking app to cancel outgoings like Direct Debits and subscriptions you no longer need.

Don’t delay: If you are worried it’s best to take action as soon as you can, rather than allowing the situation to get worse. Organisations like StepChange, Money Helper, the National Debtline or Citizens Advice can all provide free advice if you are struggling with debts.

Where to find financial help

There are several other grants and cash payments you can get if you’re struggling.

Household support fund

You might be able to get help with essential costs from your local council through a programme called the Household Support Fund (HSF).

The funding is designed to help people who are vulnerable or can’t afford to pay for necessities like energy bills, water bills, and food.

Some councils offer food vouchers to families during the school holidays, as well through the scheme.

Eligibility criteria vary by council, so you need to check your local authority’s website to see what’s available and how to apply.

Local welfare assistance schemes

Most councils also have local welfare assistance schemes designed to help families in severe financial hardship.

Again, the eligibility criteria vary by council, and how much you can get will depend on your specific circumstances.

Most councils say they will prioritise families who need urgent access to food.

The support you get could be money, vouchers, or referrals to other organisations such as food banks.

Energy grants from suppliers 

Most major energy firms have grant schemes available to customers struggling to cover their bills.

Eligibility criteria vary depending on the supplier and the amount you can get depends on your financial circumstances.

For example, British Gas or Scottish Gas customers struggling to pay their energy bills can get grants worth up to £1,500.

If your energy company doesn’t have a scheme available, you could consider switching to one that does.

Fuel vouchers

If you’re having difficulty paying your energy bills and use a prepayment meter, or if you use alternative heating sources such as oil, LPG, coal, or wood, you may be eligible for a fuel voucher from your local council.

A fuel voucher gives you credit for your gas and electricity supply without having to pay in advance.

You’ll receive a code in a letter, text message or email which you can use to add the credit.

You can use a fuel voucher at a Post Office, a shop signed up to Payzone or a shop signed up to PayPoint. You’ll need to take the code and a form of ID.

Help paying your water bills

Many water companies provide free water-saving devices to households to help reduce their bills.

Contact your supplier to learn about available assistance and visit the SaveWaterSaveMoney website for more information. You can also check whether you qualify for a discounted water butt.

GetWaterFit says that the average saving per person is £104 a year.

Debt help

If you’re concerned about debt, don’t bury your head in the sand.

Citizens Advice says it’s important to work out a budget and keep an eye on your bank balance.

Try and pay off more than the minimum on credit cards each month, and pay your most expensive credit card first.

If you’ve got several debts and can’t pay them all, it’s important to prioritise.

Your rent, mortgage, council tax and energy bills should be paid first because the consequences can be more serious if you don’t pay.

Groups like Citizens AdviceStepChange and National Debtline can help you manage your debt and negotiate with your creditors.

You should always have a look at what free options are available for managing debt before you turn to a private firm for support.

There’s also a specific government scheme to help manage debt called Breathing Space, which gives you the right to legal protection from creditors for up to 60 days.

The FCA said consumers can get free and impartial advice from the MoneyHelper website or by telephone on 0800 138 7777.

Do you have a money problem that needs sorting? Get in touch by emailing money-sm@news.co.uk.

Plus, you can join our Sun Money Chats and Tips Facebook group to share your tips and stories

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Here’s how I make yellow-sticker items last up to three days longer and save hundreds of pounds a year

YELLOW sticker bargains can save you hundreds of pounds a year on your food shop – but fail to eat the items fast and you can end up wasting your money instead.

Food waste is an epidemic across the UK, with climate action NGO WRAP estimating around 10.7million tonnes of food was binned in 2021.

a sign in a grocery store that says reduced in price just as nice
PA
Yellow-label discounted items can save money, but don’t last as long[/caption]

Of that figure, 60% came from households chucking away out of date items, from meat to fresh fruit and veg.

Yellow sticker bargains are one way of reducing the damage done, with supermarkets adding them to produce that is slightly damaged or coming up to its expiration date.

This is a great way to save money if you’re able to eat the food quickly.

Ele Clark, retail editor at consumer champion Which?, said: “Supermarkets often have an area dedicated to yellow-stickered products – or red at Aldi.

“It is always worth keeping an eye out for yellow sticker reductions as there can be substantial savings to be had.

“Also consider what items can be frozen if you don’t think you will eat it on the day of purchase.”

Earlier this year, we revealed how one savvy saver saved around £200 on her food bill in one year by buying yellow sticker bargains where possible.

However, you can find you’re throwing away gone off items if you leave them for a few days – and then you’ve wasted your money.

However, there are ways to lengthen their lifespan and save yourself hundreds of pounds a year.

We spoke to experts across the industry to find out how you can keep kitchen staples fresher for longer to save you money.

Bread

Bread is a common yellow sticker product on offer at most supermarkets and is a daily essential for many.

Dean Hartper, chef and director at Harper Fine Dining, said the best way to keep bread fresh is to store it in a bread bin made from natural materials like wood or clay.

“These allow the bread to braethe while controlling humidity, which extends its life without drying it out,” he explained.

Jason Webb, managing director of Electronic Temperature Instruments, said it should never be stored in the fridge.

“Bread is one of the top five items most commonly wasted,” he said.

“It should always be stored in a cupboard – if you put it in a fridge, it will stale about six times more quickly because at cooler temperatures, starch tends to crystallise and this process occurs roughly six times faster at refrigerator temperatures than at room temperature.”

Potatoes

Potatoes are one of the most versatile vegetables in a chef’s arsenal, but there are plenty of mistakes to be made when it comes to storing them.

Vlatka Lake, storage expert at Space Station, explained: “Potatoes keep the longest when stored in a cool, dry, dark place as exposure to moisture and light can lead to rotting.

“Ideal locations include basements or airy cupboards and pantries.

“The same goes for other root vegetables such as turnips
and storing them this way ensures they’ll be good for weeks, or possibly all season long.

“Unlike many other vegetables, they also need to be well-ventilated to prevent premature rotting, so avoid any airtight containers, instead opting for sufficiently perforated bags or baskets.”

Meanwhile, Sophie Trueman, managing director at Too Good to Go, said your spuds should be kept away from onions at all costs.

“Onions can make root vegetables go bad quickly, so it’s better to keep potatoes alongside things like pumpkins or squash in a cool, dark place (often in a paper bag works well) to preserve freshness,” she said.

“A better companion for onions is garlic as they can be stored near each other without ripening or spoiling. Just make sure it’s in a well-ventilated space, and that the skin of the garlic stays intact.”

Other fruit and veg

Avocados

Avocados are all the rage and a weekend brunch staple, but how to keep them fresh can be a bit of a mystery.

And it depends on what state they’ve been left in.

Kirstie Jones, head of client services and environmental health expert at Navitas Safety, said: “If you’re trying to make them last a little longer, it’s best to keep them in a warmer part of the fridge: not the quick chill draw.

“If the temperatures are too cold, the quality of the avocado can deteriorate.

“If you need to store half an avocado, keep it covered in the fridge and consume in a day or two.”

Bananas

Bananas are a huge culprit for food waste because they ripen so quickly, particularly when stored in bunches.

To avoid this, separate them and wrap each one individually using baking parchment.

Sophie, from Too Good to Go, explained: “Bananas release a ripening agent called ethylene into the air, and so by wrapping a banana’s stem you can slow this process down.”

If you’ve got any bananas in your fruit bowl and don’t want them ripening any quicker, keep them away from avocados too.

Sophie added: “As one of the fruits that gives off ethylene, bananas are the perfect partner for hard, unripe avocados.

How to save money on your food shop

Consumer reporter Sam Walker reveals how you can save hundreds of pounds a year:

Odd boxes – plenty of retailers offer slightly misshapen fruit and veg or surplus food at a discounted price.

Lidl sells five kilos of fruit and veg for just £1.50 through its Waste Not scheme while Aldi shoppers can get Too Good to Go bags which contain £10 worth of all kinds of products for £3.30.

Sainsbury’s also sells £2 “Taste Me, Don’t Waste Me” fruit and veg boxes to help shoppers reduced food waste and save cash.

Food waste apps – food waste apps work by helping shops, cafes, restaurants and other businesses shift stock that is due to go out of date and passing it on to members of the public.

Some of the most notable ones include Too Good to Go and Olio.

Too Good to Go’s app is free to sign up to and is used by millions of people across the UK, letting users buy food at a discount.

Olio works similarly, except users can collect both food and other household items for free from neighbours and businesses.

Yellow sticker bargains – yellow sticker bargains, sometimes orange and red in certain supermarkets, are a great way of getting food on the cheap.

But what time to head out to get the best deals varies depending on the retailer. You can see the best times for each supermarket here.

Super cheap bargains – sign up to bargain hunter Facebook groups like Extreme Couponing and Bargains UK where shoppers regularly post hauls they’ve found on the cheap, including food finds.

“Downshift” – you will almost always save money going for a supermarket’s own-brand economy lines rather than premium brands.

The move to lower-tier ranges, also known as “downshifting” and hailed by consumer expert Martin Lewis, could save you hundreds of pounds a year on your food shop.

“By storing ripe bananas with unripe avocado, you can speed up the ripening process.”

Berries

Berries are the ideal accompaniment to your breakfast porridge, but they can go bad quicker than other fruits.

Sophie, from Too Good to Go, said it will be obvious when they are going off as they’ll sprout mould or change colour.

Bright cherries can turn from bright red to brown when they start to go off, for example.

To make them last longer, pop them in the freezer where they’ll last for months.

Eggs

It’s well-known that eggs stay well for longer when put in the fridge – but there’s one particular place you won’t want to place them.

Jason, from Electronic Temperature Instruments, said: “Eggs are recommended to be stored within fridges at around four degrees Celsius to remain fresh and safe to consume.

“However, by storing eggs within frequently opened and closed fridge door storage trays, it can lead to a fluctuation and rise in temperature, accelerating egg spoilage.

“With this constant temperature disruption, eggs will rise in temperature away from the optimum four degrees Celsius, and if continuous, it can pose the risk of bacteria such as salmonella.”

Dairy products

And it turns out the same trick to keep eggs from lasting longer works for dairy too.

Vlatka, from Space Station, said: “We tend to store milk in the door of the fridge, but this area is prone to heat fluctuations, due to the constant opening and closing of the door.

“The very top of your refrigerator is the coolest place to store food products such as butter, cheese, and milk.

“If you house your butter in a butter dish on the side, place it in the fridge on those hotter days to stop it from spoiling.”

Do you have a money problem that needs sorting? Get in touch by emailing money-sm@news.co.uk.

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Is it cheaper to buy a house or rent? Property experts give their verdict – as it’s harder than ever to get a home

PAYING for somewhere to live each month is the biggest bill that most of us have to foot.

But there can be a big difference in exactly how much this cost is, depending on whether you have a mortgage or pay rent.

a man is surrounded by 50 and 20 pound notes
It it better value to own or rent a home?

There are pros and cons to owning, as well as renting a home.

Being a tenant can offer flexibility if you don’t want to be tied to an area for a long time.

When you rent a home, it is the landlord’s responsibility to fix appliances that break down or replace items that have become worn over time which can take away some of the responsibility of upkeep on a property.

However, the amount of aesthetic changes you can make to a home are often quite limited.

You may also be restricted on other things such as whether you can own a pet.

The cost alone of renting or buying a home changes over time and often depends on the wider economic backdrop.

However, right now experts say it is harder than ever to get on the property ladder.

Here experts take a look at the current price of both and give their verdict…

MORTGAGE COSTS

There are many different factors that will impact the individual price of a mortgage, but the average cost is largely driven by interest rates.

After more than a decade at rock bottom, the Bank of England started raising rates in 2021 where they peaked at 5.25% last year.

Interest rates were last month cut to 5% but, by recent standards, they’re still pretty high.

In turn this helped push up the cost of mortgages making home-owning more expensive than it was just a few years ago.

For example, the average two-year fixed rate mortgage now stands at 5.53%, according to Moneyfactscompare,co.uk down from 5.94% in May.

However, in September 2021 the average rate was just 2.38%.

It means that on a £200,000 mortgage with today’s typical 5.53% rate, you can expect a repayment cost of £1,231, whereas in 2021 the same mortgage bill would have typically cost £885.

THE COST OF RENTING

In comparison to mortgages, the main driver of renting prices is demand.

Even if a landlord’s mortgage costs are going up, it is more difficult to raise prices if there is little demand.

On the other hand, more demand means prices will steadily increase.

After the financial crash in 2009, mortgage rules were made much more stringent making it more difficult for buyers to get on the ladder.

Housebuilding has been well below needed levels for many years, which has helped to sustain demand for homes in turn increasing prices.

These factors have left more people renting, helping to push bills sky high.

Property website Rightmove recently found that the average monthly mortgage payment on a typical first-time buyer type property when taking out an average five-year fixed, 85% loan to value mortgage, is now £1,109 per month.

The average cost of rents reached £1,316 a month in July, according to Rightmove.

On face value this makes the cost of renting more expensive than buying.

Many experts agree that buying a home is usually cheaper than renting.

Ben Perks, managing director at Orchard Financial Advisers said: “Renting is expensive and doesn’t give people long-term security.

“Even with the higher interest rates we are currently seeing, it often works out cheaper month on month to buy a property, especially for youngsters.”

Elliott Culley, director at Switch Mortgage Finance, added: “Most first-time buyers I deal with end up paying less per month on a mortgage to the amount they were paying on rent.

“There are upfront costs, such as solicitor costs, but buying a property is cheaper longer term in the majority of cases.

“Not only is it cheaper long term, all your payments are reducing your overall loan and increasing your equity. It also provides long-term security as you are in full control of where you live and for how long.”

LOCATION, LOCATION, LOCATION

Weighing up the exact cost of owning, as well as renting a home is heavily dependent upon your location with supply versus demand in the area having a huge impact.

Generally, speaking demand for renting is higher in cities and the south of the country.

For example, the typical rent in London is a whopping £2,652 a month, according to Rightmove.

Therefore, buying in these locations can often be more affordable than renting – even after factoring in higher house prices.

Earlier this year, Halifax analysis showed that the monthly cost of owning a first home compared to the equivalent rental cost, was higher in nine out 12 UK regions or nations last year.

The only regions where it’s cheaper to own rather than rent, are the South West, London and Scotland, according to the lender

Regionally, renters were making the biggest savings compared to first-time buyers in the East of England, according to the research.

The type of house you are looking to buy or rent can also make a big difference depending on demand.

It means that to accurately weigh up the costs of whether it’s cheaper to buy or rent, you will need to look at the price of a property and work out how much your monthly repayments would be.

Then look at rents for a comparable property in the same region.

Simon Bridgland, director at advisers Release Freedom, said: “The location will make all the difference on what’s more achievable.

“But deposits aside, buying your own home is still the cheaper option and offers a more secure roof over your head, compared to rental property and fragile rental agreements”

LONG TERM COSTS

Comparing the cost of renting versus owning is not just about current costs – you also need to consider the long term.

Over time, mortgage costs go down – even with changing interest rates – as you pay off more of the loan. When you have paid it off completely, you will no longer have any housing costs to consider which can leave you considerably better off.

When you rent, your bills are only likely to increase as landlords raise the costs every year.

Rather than the money paying off your own mortgage, you are paying off someone else’s mortgage. At the end of the term, they will own the property – not you.

If you only ever rent, you are unlikely to ever get rid of your housing costs.

Kim Kinnaird, mortgages director, Halifax said: “We know home ownership can offer long term financial and living stability and that’s why we believe it’s an important step to take.”

How to get the best deal on your mortgage

IF you're looking for a traditional type of mortgage, getting the best rates depends entirely on what's available at any given time.

There are several ways to land the best deal.

Usually the larger the deposit you have the lower the rate you can get.

If you’re remortgaging and your loan-to-value ratio (LTV) has changed, you’ll get access to better rates than before.

Your LTV will go down if your outstanding mortgage is lower and/or your home’s value is higher.

A change to your credit score or a better salary could also help you access better rates.

And if you’re nearing the end of a fixed deal soon it’s worth looking for new deals now.

You can lock in current deals sometimes up to six months before your current deal ends.

Leaving a fixed deal early will usually come with an early exit fee, so you want to avoid this extra cost.

But depending on the cost and how much you could save by switching versus sticking, it could be worth paying to leave the deal – but compare the costs first.

To find the best deal use a mortgage comparison tool to see what’s available.

You can also go to a mortgage broker who can compare a much larger range of deals for you.

Some will charge an extra fee but there are plenty who give advice for free and get paid only on commission from the lender.

You’ll also need to factor in fees for the mortgage, though some have no fees at all.

You can add the fee – sometimes more than £1,000 – to the cost of the mortgage, but be aware that means you’ll pay interest on it and so will cost more in the long term.

You can use a mortgage calculator to see how much you could borrow.

Remember you’ll have to pass the lender’s strict eligibility criteria too, which will include affordability checks and looking at your credit file.

You may also need to provide documents such as utility bills, proof of benefits, your last three month’s payslips, passports and bank statements.

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