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Known as the ‘Gateway to Asia’, Singapore is a vibrant tropical destination, world renowned for its shopping, eateries, attractions, style and cleanliness. Whether you head there for two days or ten, you’ll find no trip to the ‘Lion City’ is ever the same. Not many cities in Asia can boast Singapore’s fascinating ethnic mix. Throughout history, migration has left its stamp on the city’s culture. Visit the bright sari and bangle stores in the old shop houses of Little India, and in Chinatown explore the many antique stores or bargain hunt for silk. For the shopaholics, Orchard Road is a must; the variety and quality here will leave you spoilt for choice. Allow plenty of time, as you’ll be lucky to see half of it in one day.  The river plays host to plenty of fabulous bars and restaurants in the three popular quay areas; Clarke Quay being the most famous, Boat Quay and Robertson Quay. Although Singapore has come a long way over the past 10 years and now showcases itself as a modern international city, you can’t leave without heading to Raffles Hotel for High Tea or a legendary Singapore Sling; an experience that carries with it generations of colonial history and tradition.

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This just in! Airfares offered on Thursdays tend to be the cheapest, according to flight demand on Travelocity in 2021. Tuesday and Wednesday prices are also good, but you may want to prepare your budget if booking during the weekend, as data shows that is when prices are generally at their highest.

What are the cheapest days to fly?

Frequent travelers may already know this, but earlier in the week can be the cheapest time to fly. In 2021, flights departing on a Monday were generally the cheapest of the week, whereas you may pay a premium for weekend flights when demand is usually high. On average, tickets were most expensive for Saturday departures, so if you need to fly out on a weekend, you might look for deals ahead of time.

How far in advance can you book a flight?

Trying to figure out how early you should book your flight? It’s possible to start comparing international airfares on Travelocity up to 12 months in advance. However, it does depend on the carrier as not all airlines release their prices that far out. According to our 2021 flight demand trends, last minute planners can still bag a bargain with some of the cheapest fares appearing 0-2 weeks prior to their travel dates.

*According to flight demand on Travelocity.com from January to December 2021. Savings are subject to change based on departure location, date and destination.

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Find cheap flights from California to Santa Clara

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FAQs for booking flights from California to Santa Clara

How does kayak find such low prices on flights from california to santa clara.

KAYAK is a travel search engine. That means we look across the web to find the best prices we can find for our users. With over 2 billion flight queries processed yearly, we are able to display a variety of prices and options on flights from California to Santa Clara.

How does KAYAK's flight Price Forecast tool help me choose the right time to buy my flight ticket from California to Santa Clara?

KAYAK’s flight Price Forecast tool uses historical data to determine whether the price for a flight to Santa Clara from California is likely to change within 7 days, so travelers know whether to wait or book now.

What is the Hacker Fare option on flights from California to Santa Clara?

Hacker Fares allow you to combine one-way tickets in order to save you money over a traditional round-trip ticket. You could then fly to Santa Clara with an airline and back to California with another airline.

What is KAYAK's "flexible dates" feature and why should I care when looking for a flight from California to Santa Clara?

Sometimes travel dates aren't set in stone. If your preferred travel dates have some wiggle room, flexible dates will show you all the options when flying to Santa Clara from California up to 3 days before/after your preferred dates. You can then pick the flights that suit you best.

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Cheap Flights from Christchurch to Sydney (CHC-SYD)

Prices were available within the past 7 days and start at $159 for one-way flights and $365 for round trip, for the period specified. Prices and availability are subject to change. Additional terms apply.

Christchurch to Sydney Flights

Whether you’re looking for a grand adventure or just want to get away for a last-minute break, flights from Christchurch to Sydney offer the perfect respite. Not only does exploring Sydney provide the chance to make some magical memories, dip into delectable dishes, and tour the local landmarks, but the cheap airfare means you won’t bust your budget. So no matter whether your ideal itinerary involves flying one way, non-stop, or round trip, you’re bound to find flights that match your schedule on Expedia, and at prices that won’t shock your wallet.

Bagging a cheap flight from Christchurch to Sydney may mean more dollars to spend on for one-of-a-kind souvenirs when you arrive, but it doesn’t mean you have to skimp on your travel experience, as Expedia offers a sizzling selection of cheap airlines that’ll put you in your happy place on their planes, whether that’s getting lost in a hair-raising airport thriller, dreaming on the passing landscape over a glass of bubbly, or jotting down your vacation bucket list at 38,000 feet. There’s also bound to be plenty of opportunities to snap a few photos of the high life that will make your friends green with envy. After all, enjoying the journey is part of the fun.

With so many affordable flights and so many wonderful adventures awaiting you, there’s no reason to put off booking a fantastic flight from CHC to SYD today. So don’t leave it to the last minute to make your dream trip a reality: pack your bags with your go-to travel accessories, put together your list of must-see attractions and can’t-miss activities, and get ready to broaden your horizons – with Expedia, the wonders of Sydney are only a plane trip away. Book your travel arrangements with us today!

If you would like to book flights to Sydney more flexibly many prefer to purchase one-way tickets with options to take different airlines. A one way ticket to Sydney is $159 now!

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Top Routes from Christchurch

  • Christchurch to Auckland (CHC - AKL)
  • Christchurch to Los Angeles (CHC - LAX)
  • Christchurch to Denpasar (CHC - DPS)
  • Christchurch to Hobart (CHC - HBA)
  • Christchurch to Honolulu (CHC - HNL)
  • Christchurch to Chennai (CHC - MAA)
  • Christchurch to Tokyo (CHC - NRT)
  • Christchurch to Buffalo (CHC - BUF)
  • Christchurch to Frankfurt (CHC - FRA)
  • Christchurch to Melbourne (CHC - MEL)
  • Christchurch to Seoul (CHC - ICN)
  • Christchurch to Queenstown (CHC - ZQN)

Top Routes to Sydney

  • Chicago to Sydney (ORD - SYD)
  • Newark to Sydney (EWR - SYD)
  • Phoenix to Sydney (PHX - SYD)
  • Los Angeles to Sydney (LAX - SYD)
  • Washington to Sydney (DCA - SYD)
  • Miami to Sydney (MIA - SYD)
  • Portland to Sydney (PDX - SYD)
  • Honolulu to Sydney (HNL - SYD)
  • Boston to Sydney (BOS - SYD)
  • New York to Sydney (LGA - SYD)
  • Minneapolis to Sydney (MSP - SYD)
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  • Air New Zealand Christchurch to Auckland
  • Air New Zealand Christchurch to Queenstown

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Nearby Airports

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How to find cheap flights in 2024: Easy tips on how to cut travel costs.

N othing beats a getaway. Whether you are jet-setting to a far-off destination or catching a quick flight to see family, changing your surroundings can feel great. 

What is not so great, however, is the cost of traveling. Airfare can be the most expensive part of a trip. Trying to save money can seem impossible, and you may ask yourself, "How do I find cheap flights?" 

But there are ways to book a flight without breaking your budget.  

Start the day smarter. Get all the news you need in your inbox each morning.

Instead of getting overwhelmed with the planning process and canceling your travels before they even begin, consider the following to help find cheap flights easily.  

How to find cheap flights 

The first rule of finding cheap flights is to be flexible with your travels. While you may want to stick to a strict schedule, this does not help when it comes to pricing.  

When people travel, they often select their destination and dates of travel before checking pricing. To find the cheapest flights, you have to reverse that process.  

Start by checking applications and sites like Google Flights , Hopper and Skyscanner to see what prices are for your preferred travel locations. From there, you can see what dates have the cheapest options.  

Also, try to book in advance. Do not wait until the last minute to schedule. Around two to three months in advance is the best time to book a flight.If you plan to travel during peak times, such as holidays, around five months is better.

Ask the Captain: All your air-travel questions, answered

What are the best days to book a flight? 

There is no exact best day to book a flight, but there are days considered better than others. Fridays and Mondays tend to be more expensive since that is when most business travelers fly, according to Nomadic Matt.  

Tuesdays, Wednesdays and Saturdays are usually the cheapest days to travel on, according to Scott’s Cheap Flights.  

There are also no specific days that flights will be cheaper. Cheap flights can pop up at any time.  

Layover or stopover? What's the difference? Does it matter?

Tips for cheap flights 

While it may feel customary to go to carriers like United or American, do not be afraid to try out budget airlines. From Southwest to Frontier Airlines , there are plenty of alternatives to the name brands, which could be more expensive.  

As mentioned above, it's often best to book peak flight times several months in advance. If you want to be proactive, try to schedule your trip around those times if possible.  

For example, peak travel times from the U.S. to Europe are from mid-June through mid-August, as well as Christmas through New Year’s Eve. Consider booking during off times to save money, according to Scott’s Cheap Flights.  

Flying direct can make your travels shorter, but prices may be higher than if you took a connecting layover. Rome2Rio can help you find the best way to get from a nearby airport to your final destination.  

Just Curious for more? We've got you covered

USA TODAY is exploring the questions you and others ask every day. From " How quick can I get a passport? " to " What is the smallest country? " to " What is the cheapest days to fly? ", we're striving to find answers to the most common questions you ask every day. Head to our  Just Curious section  to see what else we can answer for you.

This article originally appeared on USA TODAY: How to find cheap flights in 2024: Easy tips on how to cut travel costs.

An airplane prepares to land at Harry Reid International Airport in Las Vegas, Nevada. Some experts speculate the current airport could reach its maximum load of 63 million to 65 million annual passengers by 2030.

Cheap flights to Oxford House, Canada

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What airport do you fly into for flights to Oxford House?

Most people fly into Oxford House (YOH) if they book a flight to Oxford House. Oxford House is conveniently located just 1.2 mi from Oxford House’s city center.

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Yes, flights with layovers are often cheaper than direct flights. Keep an eye out for flight deals to Oxford House on Cheapflights that require 1 or 2 stops for potential cost savings.

What is the cheapest airport to fly to in Oxford House?

null is currently the cheapest airport to fly to in Oxford House. One-way flights to null typically cost null, while round-trip flights cost around null.

Browse thousands of different options on Cheapflights for your next trip

Toggle through the tabs below to find thousands of options on cheapflights for your next trip., popular flight searches, check out other popular destinations found by fellow travelers in 2024, search flights to oxford house by cabin class, find flights to oxford house, based on your preferred cabin class, be it economy, premium economy, business, or first class., book a flight to one of these trending destinations, user searches for flights to these destinations increased 20% or more in the past 90 days compared to other destinations, book with flexibility, travel smart.

Where to fly on a budget this summer

Airfare experts share their forecasts for summer vacation destinations that won’t break your budget.

house of travel cheap flights

This summer is shaping up to be another scorcher , and the demand for summer travel is piping hot, too. If early 2024 trends are any indication of what’s to come, “it’s looking to be busier than 2023,” said Katy Nastro, spokesperson for the flight booking site Going . Recent airport passenger volume numbers have regularly exceeded last year and pre-pandemic levels.

Jeff Klee, CEO of CheapAir.com , says airline capacity has rebounded from pandemic complications, but strong travel demand means summer flight prices can be high, depending on when you’re hoping to go. Flying in June, July or early August will be more expensive than later in the season, according to the company’s summer forecast .

“And it’s not just the airfare,” Klee said in an email. “Expensive hotel rates and crowds everywhere make Western Europe tricky for the summer.”

Despite the price tag, “people are going to go,” said Melanie Fish, the head of global public relations for all Expedia Brands, including Vrbo, Expedia and Hotels.com . “When we look at searches for destinations, they are definitely up year over year.”

For popular destinations like Europe , Klee and Fish say to push trips later into August, September or even October. Not only will prices soften, but you’ll alleviate some of the strain of overtourism .

“My number one tip is go ahead and take that summer vacation, but maybe hold on to take that big, big trip in September,” Fish said.

According to Expedia’s summer 2024 travel outlook , we’re currently in the sweet spot for shopping for early summer flights at the best rates, as Fish says lower fares tend to pop up 21 to 60 days out. It doesn’t hurt to start your search even earlier, setting up price alerts to flag when airfare drops. If you can swing it, look to fly on a Monday for international trips or a Tuesday for domestic trips to save up to 15 percent on fares, Fish added.

It’s not impossible to find good deals on airfare, whether you’re looking for a tropical beach trip , a mountain adventure or a vibrant city. Here are places that are trending cheaper — and the destinations you’ll want to avoid.

Go to Mexico

Sun, surf, culture, chilaquiles — Mexico is always a good idea , but particularly so this summer. With the opening of the new airport in Tulum , U.S. airlines have been adding gobs of new flights to Mexico, particularly to beach regions. “We’ve seen a healthy amount of deals down to Mexico resort areas like Cancún,” Nastro said.

Laura Lindsay, global travel trends expert at Skyscanner , says three Mexican cities — Cancún, San José del Cabo and Puerto Vallarta — are among the top 10 destinations offering travelers the best bang for their buck in 2024.

To escape the summer heat, Phyllis Stoller, president of the Women’s Travel Group , recommends high-altitude destinations like Mexico City or Ixtapan de la Sal, a town near Mexico City with thermal springs.

Avoid European port cities

If you’re considering a visit to a popular European city that’s also a cruise hub, beware. Not only will you be battling the usual summer crowds, you’ll be joined by thousands of day-trippers flooding into the ports — meaning Barcelona, Venice , Athens and Santorini.

Sandra Weinacht, who co-owns the tour company Inside Europe Travel Experiences , says you can avoid some of the madness in these hot spots by staying in neighborhoods away from the typical tourist zones. You can also visit top sites in the late afternoon or evening, after cruise travelers have returned to their ships.

Better yet, wait to visit until the shoulder season

Go to Colorado

Epic hiking, breathtaking nature and more craft beer than you could ever try in a lifetime: The Centennial State is a domestic gem. Ashlee Collins of Inspirato , a luxury travel and lifestyle subscription service, says Vail is popular among members this summer. Not only is the ski resort beautiful sans snow, it’s drivable for many, cutting a significant cost for travelers.

Airfare to Colorado is looking more reasonable than other domestic vacation hubs. Nastro recently spotted a Miami-to-Denver, round-trip fare over the July Fourth holiday for just $199. She says an average round trip from major U.S. cities is running between $173 and $250, but those prices are expected to climb upward of $350 the closer we get to summer.

Avoid places at risk for wildfires

Wildfires have become an unfortunate fixture of summers in the Northern Hemisphere. Last year’s fires in Europe — including those in Cyprus and Greece — were among the worst so far this century, the European Commission reported .

Stoller says fire risk has been a factor in her summer travel planning; she nixed a New England cruise after remembering how bad smoke was last year because of the fires in Canada . “None of us can predict everything, but that would be something I would be aware of,” she said.

Extreme heat is also an issue. Last July, Southern Europe experienced excessively high temperatures from a “heat dome.”

“There’s a concern about heat,” Stoller said. “Last summer was really painful.”

Go to the Caribbean

The Caribbean has its peak tourist season during the winter, when Americans flock to warmer waters. That means summer trips to the region tend to be quieter and cheaper.

“You can go under $300 to pretty much all of the islands: Puerto Rico, Jamaica, Aruba, Dominican Republic,” said Lindsay Schwimer, a consumer travel expert at Hopper . She’s seen similar price point flights to Colombia.

Lindsay of Skyscanner also said Puerto Rico and the Bahamas offer some of the most affordable flights from the United States this summer.

Avoid Paris

Unless you’re going for the Olympics , skip the French capital this summer.

“Paris is always a top destination in the summer, but this summer … it’s going to be on another level,” said Madison Pietrowski, head of U.S. brand at GetYourGuide .

Not only are hotel prices high, “we’re seeing that some of the top attractions like the Louvre have raised their ticket prices,” Pietrowski said.

Nastro says the crowds are going to be “bananas” during the Games, and not just in Paris. Olympic travelers are likely to add on other French destinations to their trip, like Nice — which will host soccer games — or the Côte d’Azur, which already gets popular in the summertime.

Even if you try to get ahead of the rush by visiting before the July 26 start date, you may still have some Olympics-related headaches in the French capital. As the city races to finish prep, “you might find that there’s going to be eyesores and scaffolding and loud noises early in the morning,” Nastro said.

Go to rural Europe

Interest in Western Europe has not slowed down, and Americans are expected to surge back en masse this summer. If you’d like to avoid them, put rural European destinations on your radar.

Weinacht is bullish on Spain’s Rioja region , the Basque countryside and the central Italian region of Umbria, which borders Tuscany but does not see the same levels of tourism. She’s also a fan of Carinthia, the least-populated state of Austria. “It is castle- and lake-dotted, doesn’t get too hot, and oh, the food and stories the cities and villages can tell,” Weinacht said in an email.

Weinacht says she’s been getting more requests from Americans for trips to her homeland, Germany. The country is easy to navigate with its high-speed trains, and offers a mix of small and big cities spread across powerhouse wine regions, UNESCO World Heritage sites and many food festivals . According to Skyscanner, airlines in the United States have been increasing their flights to Germany — namely, Frankfurt, an international business hub — meaning you may be able to find more deals.

Avoid Sicily and Amalfi

If your dream Italian destination has been featured on TV lately, that’s a red flag. The last season of “The White Lotus” spurred an interest in already popular Sicily ; the same is happening to the Amalfi Coast thanks to the new Netflix miniseries “Ripley.”

“They’re really going to be the most expensive and they’re going to be pretty crowded for the summer,” Schwimer said.

Where to go

Our favorite destinations: These 12 destinations are at the top of our wish list for where to go this year, without crowds. In 2023, we explored an Alaskan bear paradise, Brooklyn’s famous pizzerias and a hidden gem in Italy, among other highlights .

Travel like a local: Residents share their favorite places in our top city guides: New Orleans , Rome , Tokyo and Mexico City .

National parks: This comprehensive guide has details on all 63 U.S. national parks. For a deep dive into five of the most well-known, you can listen to the Field Trip podcast . Then explore tips from locals for visiting Yosemite , Glacier and Everglades .

Tales from the road: Dolly Parton has opened a new resort at her theme park complex in Tennessee, while “Fixer Upper” stars Chip and Joanna Gaines have a new hotel in Waco . Road-trippers may be just as excited to see the cartoon beaver at Buc-ee’s , and bargain-hunters should consider a stop at the Unclaimed Baggage store in Scottsboro, Ala.

house of travel cheap flights

Money: Manifestation warning as people swear it's bagged them '£2,000 in bank account'

We delve into the world of manifestation - but will a one-day course help our reporter land some extra cash and an engagement ring? Enjoy our weekend reads, and leave a comment, below, and we'll be back with all the latest personal finance and consumer news on Monday.

Saturday 27 April 2024 13:45, UK

Weekend Money

  • '£2,000 landed in my account' - The people who say they're manifesting riches
  • Iceland's new slogan and cash for grades: What our readers said this week
  • Calculate how much your take-home pay will change this month with national insurance reduction
  • Why are mortgage rates going up?

Best of the week

  • The world of dark tourism - what is it, is it ethical and where can you go?
  • Virgin Media customers share their bad experiences of customer service
  • More Britons paying inheritance tax after chancellor freezes threshold - so how can you beat it?
  • 'More important than a will': What are lasting power of attorneys and how much do they cost?
  • 'I have a mortgage offer - will it change now rates are rising?'

Ask a question or make a comment

By Jess Sharp , Money team

My journey into the world of manifestation (the belief that you can attract success in your life through positive affirmations and visualisation) has taken me places I never thought I'd go.

Like woods in Edenbridge, where I stood meditating under a tree in the pouring rain. I don't yet know where my journey will end (I've been hoping for an engagement ring but my boyfriend hasn't yet seen my visualisations), but it started with a conversation with Jamie Greenlaw-Meek, one of many people who say manifestation has transformed their lives.

"About a year ago, there was something happening and I thought we just need two grand to cover the expense," Jamie, a former dancer from London, told me. "The following day £2,000 landed in my account."

It sounded like a coincidence to me, too.

But Jamie was adamant. His husband calls him "the master manifester" because of his "ability to bring in money".

"It's happened on so many occasions, like four, five times," he said. "I've become very clear on what I want and the amount of money I need and literally it can be within 24 hours that I get a phone call for a job and it's almost identical to what I asked for money-wise."

When I asked the now-psychic where the £2,000 actually came from, he said it was payment for a modelling job he had been offered.

"With manifesting you don't get caught up in the how, and often it comes in ways that you don't expect," he added, explaining it could come as the result of a claim after being in a car crash.

"It's not always coming in the way that you think but money is out there for us to take in the world. It's just having the confidence to receive it and we are worthy of it."

"Even if it is a placebo effect, does it matter?" he said.

The 43-year-old also believes he manifested his husband Fiongal after being diagnosed with cancer. While going through treatment and dating "a lot" of people, he decided to take matters into his own hands, or rather his own head, and started visualising his perfect partner.

"I decided to spend a good couple of weeks getting really, really, super clear in my mind what this person looked like. Then I started creating lists asking about personality traits, and all the things that I wanted that person to be," the former dancer said.

"The day I got the all clear from cancer I randomly met my husband and when I look at the list of the things I asked for, he pretty much ticks every single box. I really, really believe that is because I got super clear on what I wanted and I put that out to the universe to bring to me."

Jim Carrey and manifestation

If you think this is a new practice, it isn't. Jim Carrey was doing it back in the 90s. He famously wrote himself a $10m cheque for "acting services rendered" and dated it years in advance. Then in 1995, he was told he was going to make the exact amount for filming Dumb and Dumber.

The idea shot up in popularity again in 2006 after Rhonda Byrne published her self-help book The Secret.

Since then, it has hit every inch of the internet and has resurfaced on TikTok with videos posted under #manifesting accumulating a huge 13 billion views.

I tried to learn manifesting - I felt like an idiot

After hearing Jamie's story and seeing the idea was popular with so many people, I thought it best to try to learn manifestation myself. I mean, who wouldn't want money landing in their account and a work promotion from the universe?

As I stood in the woods, in the pouring rain, being told to imagine roots growing from the soles of my feet, I felt like an idiot.

I was soaking wet (of course I had forgotten a coat with a hood) and while my mind kept wandering through thoughts about being cold, if I'd hit traffic on the way home and how dirty my white trainers were getting, a gentle, soothing voice kept bringing me back to what I was supposed to be thinking about.

"How we are all connected, how the trees and plants produce oxygen that we breathe, and we breathe out carbon dioxide which they need to survive"

While some people focus their manifestation practices on being grateful to the universe, Tansy Jane Dowman believes we need to get "out of our heads, into our bodies", connect with nature and find our true selves before we can practice it successfully.

My meditation in the woods was just one part of a six-hour workshop run by Tansy, which aimed to send me off with a clearer vision of what I truly desired.

Tansy charges anywhere from £25 to £580 for her courses, which range from one-on-one sessions and an online six-week programme, to forest bathing workshops and weekend-long nature retreats.

But some courses have popped up online which cost more than £1,000.

Tansy started practising manifestation in 2018 after going through a difficult period in her life. She eventually quit her job in events management and started teaching others how to do it successfully.

"The way I manifest is not to focus on material wealth or gain. I would ask my clients what an abundant life means to them in terms of feelings, experiences, connections, people and places," she explained.

"The more authentic you are, the more of a beacon you become for those things to find you."

After spending time walking in the rain and meditating under a tree, Tansy and I sat in her dining room and explored some of the happiest moments in my life and the feelings I experienced. It became clear I like feeling accomplished, needed and excited.

We also spoke about challenging times, but the conversation focused on the positives, like how I had overcome them and what I had learned.

"It's so important to bring in your values with manifestation because sometimes we can get really confused with what we want, with social media especially," she told me.

Throughout her house, Tansy has a number of "abundance boards" proudly on display - some she has made with her children, others are from her annual January tradition of setting out her desires for the year.

"I've had some really wonderful goosebump things happen to me. I did a board at the beginning of 2020... I put a picture of a microphone on it. I just thought I really like that image and I didn't immediately place any meaning onto it," she said.

"Then as the world was shutting down for lockdown, I did a press event and I met a lady who worked for Wellbeing Radio and she wondered if I would be interested in trying out as a presenter."

She explained that some people will be very specific with their desires, like selecting a photo of the exact car they want, or the perfect house, but that isn't how manifestation works. There needs to be an element of trust in the universe giving them what they attract.

As we created my abundance board, which Tansy describes as being like a "personal algorithm", she told me to select images and words from heaps of magazines that called to me intuitively.

As you can see from the picture below, mine calls for being "financially fabulous", travelling, getting engaged (coughs loudly in earshot of boyfriend) and living stress-free.

And while I'd love a big cash injection, Tansy explained to me that money is "only a stepping stone to a feeling" and, ultimately, I'm aiming to create an emotion with it.

Manifesters more likely to go bankrupt

While all the manifestation believers I spoke to said there was no downside to the practice, a researcher has been looking into whether it really does pay off.

Based in Australia, Dr Lucas Dixon (who specialises in consumer psychology) created a scale from one to seven to rank a person's strength of belief and found those who practice it are more likely to have been victims of fraud and declared bankruptcy.

He said there was a "danger" that manifesting could become harmful if taken to an extreme level.

He found those who believe in manifesting tend to think more positively and have a confident attitude when it comes to success, and while that can be helpful in business, it can also cause them to take unnecessary risks.

"They weren't more objectively successful in terms of having higher income or higher education attainment," he said.

"We also found that they are more likely to believe in get-rich-quick schemes, more likely to take higher risks... to have risky financial investments and more likely to have investments in cryptocurrency rather than traditional stock."

Using the scale he created, Dr Dixon found those who have "very strong beliefs", ranking at a seven, were 40% more likely to have gone bankrupt.

"The danger comes in a couple of different forms," he said, explaining that a "worst case scenario" could see people getting into financial difficulty by being encouraged to "just look at the positives".

"Someone might say it's not harmful because it is really just thinking positively but I think even that can be harmful because of what you might call an opportunity cost," he said.

"You're spending time, energy and money doing something that doesn't have a lot of evidence behind it. We found it does make you feel good but you don't need to pay thousands to do it."

Okay, so back to me...

I did my manifestation course about two months ago, and I have done as I was instructed - my abundance board is up in sight inside the flat, and I often have a cup of coffee in front of it.

But, so far I'm still using a credit card, the most travelling I've done has been to work and back and there is still no rock on my finger. I have been given an annual pay rise, though, and would say I am less stressed.

Perhaps believing that I'm just doing my best and there's a chance that I'll be rewarded for that one day, eventually, in the future, maybe, is making me feel better... who knows?

Each week, Money blog readers share their thoughts on the subjects we've been covering, and over the last seven days your correspondence has been dominated by these topics...

  • Iceland's new slogan
  • Rising mortgage rates
  • Giving kids cash for grades

Iceland's new catchphrase

We learnt on Monday that Iceland had dropped its tagline "That's why mums go to Iceland", replacing it with "That's why we go to Iceland".

The move was made to reflect the store is for everybody, said brand ambassador Josie Gibson. Readers were split - with some feeling so strongly that they're prepared, they suggest, to sacrifice those frozen Greggs steak bakes forever...

I previously contacted Iceland about their slogan because I didn't think it did single dads justice, as dads can go to Iceland too. Their response was that people understood that it's not just mums that go to Iceland. It's about time they changed the message. Dave T  
Neither I, my wife or my children will shop in Iceland again due to this stupidness and woke attitude. To hell with you [Iceland boss] Richard Walker. John  

Banks hike mortgage rates

This week we reported that high street lenders such as Halifax, TSB, NatWest, Barclays, Leeds Building Society, HSBC and Coventry had all hiked mortgage rates. 

You said...

With house prices at already extortionate levels, now mortgage rates rising again, is there any hope for first-time buyers? Honestly, the situation is so bleak, people may need to consider other countries. GenZ 
Why would this happen? So many young couples struggling to get on the property ladder. I live in Dorset - a one-bedroom flat costs from £230,000. In Scotland, one can get a beautiful two-bed house for that price. Feel sorry for all couples living down in the South. Need huge deposits. Barbs
Why are they called high-street banks? Most banks in my town have closed. Martin J

Parents offering cash for good grades

A lot of views came in after our feature exploring the positives and negatives of parents incentivising good school grades with cash...

We had scores of comments on this - with a fairly even split...

We did it for our son at GCSE time. We think it made a difference of about a grade on most subjects. Got a two-grade lift on maths. Cost us £350. Thought it was good value as it has taught him how things work in the world. Andy
The whole world is built on a reward system which symbolises access to money commensurate with effort and excellence. The Nobel prize goes with a cash reward! Tom Deggs
Employees are offered incentives for achieving targets, so why not offer kids incentives for better grades? Claire228 

But others had concerns...

I think it puts too much pressure on kids who are under enough pressure at exam time. Parents should encourage their kids to do the best they can, not add to their stress levels. Emma
Children should value their education without it being monetised. My parents expected my brother and I to have the motivation, maturity and self-discipline to work hard for our GCSEs. We both achieved all As and A*s. Eliza 
When I was at school, from 1964-83, my parents never gave me money for good exam results, because "I should want to do well for myself". No matter what my grades were, they said that they would be proud of me if I had tried my best. Cash kills self-motivation. Nicola B 

National insurance was cut this month, for the second time this year, from 10% to 8% on employee earnings between £12,570 and £50,270.

The change, announced by the chancellor in his March budget, impacts around 27 million payroll employees across the UK - starting this pay day.

The cut is worth almost £250 to someone earning £25,000 a year and almost £750 for those earning £50,000

Use our tool below for a rough guide to what tax changes can be expected for most people, as there are other variables not included which might affect how much tax you pay including being in receipt of the blind person's allowance or the marriage allowance. It also assumes you are not self-employed and are under pension age...

There are also national insurance cuts for the self-employed. This includes the scrapping of Class 2 contributions, as well as a reduction of the rate of Class 4 contributions from 9% to 6% for the £12,570 to £50,270 earnings bracket.

These will impact nearly two million self-employed people, according to the Treasury.

While many campaigners welcomed the national insurance announcement last month, they pointed out that the tax burden remains at record high levels for Britons - thanks in part to the threshold at which people start paying income tax being frozen, rather than rising with inflation.

The money story of the week has been mortgage rates - with a host of major lenders announcing hikes amid fears the Bank of England may delay interest rate cuts.

Swap rates - which dictate how much it costs to lend money - have risen on the back of higher than expected US inflation data, and concerns this could delay interest rate cuts there. 

US trends often materialise elsewhere - though many economists are still expecting a base rate cut from 5.25% to 5% in the UK in June.

The reliable Bloomberg reported this week: "Still, while some economists have since scaled back their predictions for BOE cuts, most haven't changed expectations for a summer move.

"Analysts at Morgan Stanley, Goldman Sachs Group, Capital Economics and Bloomberg Economics are all among those still anticipating a shift toward easing in June."

The publication also quoted Sanjay Raja, chief UK economist at Deutsche Bank, as saying: "Markets have superimposed the US cycle on the UK, but the US and UK are on very different tracks.

"The UK is coming out of technical recession. Inflation is falling more convincingly. Pay settlements are following inflation expectations. And crucially, real policy rates in the UK will be higher than in the US."

None of this reassurance changes the fact that financial markets, which dictate swap rates, are pricing in delays.

This week's hikes came from Halifax, BM Solutions, TSB, NatWest, Virgin, Barclays, Accord, Leeds Building Society, HSBC and Coventry.

This is what average mortgage rates looked like as of Thursday...

The next Bank of England decision on rates comes on 9 May - and pretty much no one is expecting a cut from the 16-year high of 5.25% at that stage.

The Money blog is your place for consumer news, economic analysis and everything you need to know about the cost of living - bookmark news.sky.com/money.

It runs with live updates every weekday - while on Saturdays we scale back and offer you a selection of weekend reads.

Check them out this morning and we'll be back on Monday with rolling news and features.

The Money team is Emily Mee, Bhvishya Patel, Jess Sharp, Katie Williams, Brad Young and Ollie Cooper, with sub-editing by Isobel Souster. The blog is edited by Jimmy Rice.

The family home where Captain Sir Tom Moore walked 100 laps to raise nearly £40m for the NHS during the first COVID lockdown is up for sale for £2.25m.

The Grade II-listed Old Rectory is described as a "magnificent seven-bedroom property" by estate agents Fine & Country.

In a video tour of the house, a sculpture of Captain Tom with his walking frame can be seen in the hallway, while a photo of the fundraising hero being knighted by the Queen is on a wall in the separate coach house building.

Introducing the property, an estate agent says in the tour video: "I'm sure you'll recognise this iconic and very famous driveway behind me as it was home to the late Captain Sir Tom Moore who walked 100 laps of his garden, raising over £37m for NHS charities."

It comes less than three months after the demolition of an unauthorised spa pool block in the grounds of the property in Marston Moretaine, Bedfordshire.

Speaking at an appeal hearing over that spa, Scott Stemp, representing Captain Tom's daughter Hannah Ingram-Moore and her husband, said the foundation named after the fundraising hero "is to be closed down" following a Charity Commission probe launched amid concerns about its management.

For the full story, click here ...

"Status symbol" pets are being given up by owners who get scared as they grow up, an animal charity has said, with the cost of living possibly paying a part in a rise in separations.

The Exotic Pet Refuge, which homes parrots, monkeys, snakes and alligators among others, says it receives referrals across the country, including from zoos and the RSPCA.

"They're a status symbol. People will say, 'OK, I'll have an alligator or a 10ft boa constrictor'," co-owner Pam Mansfield told the BBC.

"But when the animal gets big, they will get too frightened to handle them, and then the pet has to go."

She added people who want to get rid of the pets sometimes call zoos for help, which then call on her charity.

In some cases, owners don't have licences to own dangerous animals, she says, blaming a "lack of understanding" for what she says is a rise in the number of exotic animals needing to be rehomed.

She says people "just don't have the space" for some snakes, for example, with some growing to as much as 12ft and needing their own room.

The cost of living crisis has also forced owners to give their pets away, she says.

Her charity has also been affected by those increased costs, with the electricity bill rising to £10,000 a month at their highest, to fund things like heated pools for alligators.

Private car parks are accused of "confusing drivers" after introducing a new code of conduct - despite "doing all they can" to prevent an official government version.

The code of practice launched by two industry bodies - British Parking Association and the International Parking Community - includes a ten-minute grace period for motorists to leave a car park after the parking period they paid for ends.

It also features requirements for consistent signage, a single set of rules for operators on private land and an "appeals charter".

Private parking businesses have been accused of using misleading and confusing signs, aggressive debt collection and unreasonable fees.

That comes after a government-backed code of conduct was withdrawn in June 2022, after a legal challenges by parking companies.

RAC head of policy Simon Williams said: "We're flabbergasted that the BPA and the IPC have suddenly announced plans to introduce their own private parking code after doing all they can over the last five years to prevent the official government code created by an act of Parliament coming into force.

"While there are clearly some positive elements to what the private parking industry is proposing, it conveniently avoids some of the biggest issues around caps on penalty charges and debt recovery fees which badly need to be addressed to prevent drivers being taken advantage of."

BPA chief executive Andrew Pester said: "This is a crucial milestone as we work closely with government, consumer bodies and others to deliver fairer and more consistent parking standards for motorists."

IPC chief executive Will Hurley said: "The single code will benefit all compliant motorists and will present clear consequences for those who decide to break the rules."

Sky News has learnt the owner of Superdry's flagship store is weighing up a legal challenge to a rescue plan launched by the struggling fashion retailer.

M&G, the London-listed asset manager, has engaged lawyers from Hogan Lovells to scrutinise the restructuring plan.

The move by M&G, which owns the fashion retailer's 32,000 square foot Oxford Street store, will not necessarily result in a formal legal challenge - but sources say it's possible.

Read City editor Mark Kleinman 's story here...

NatWest says its mortgage lending nearly halved at the start of the year as it retreated from parts of the market when competition among lenders stepped up.

New mortgage lending totalled £5.2bn in the first three months of 2024, the banking group has revealed, down from £9.9bn the previous year.

The group, which includes Royal Bank of Scotland and Coutts, also reported an operating pre-tax profit of £1.3bn for the first quarter, down 27% from £1.8bn the previous year.

An unexplained flow of British luxury cars into states neighbouring Russia continued into February, new data shows.

About £26m worth of British cars were exported to Azerbaijan, making the former Soviet country the 17th biggest destination for UK cars - bigger than long-established export markets such as Ireland, Portugal and Qatar.

Azerbaijan's ascent has coincided almost to the month with the imposition of sanctions on the export of cars to Russia.

Read the rest of economics and data editor Ed Conway 's analysis here...

Rishi Sunak has hailed the arrival of pay day with a reminder his government's additional National Insurance tax cut kicks in this month for the first time.

At last month's budget, the chancellor announced NI will be cut by a further 2p - so some workers will pay 8% of their earnings instead of the 12% if was before autumn.

The prime minister has repeated his claim this will be worth £900 for someone on the average UK salary.

While this additional cut - on top of the previous 2p cut in January - does equate to £900 for those on average full-time earnings of £35,000, there are two key issues with Mr Sunak's claim:

  • Once the effect of all income tax changes since 2021 are taken into account, the Institute for Fiscal Studies reports an average earner will benefit from a tax cut of £340 - far less than £900;
  • Moreover, anyone earning less than £26,000 or between £55,000-£131,000 will ultimately be worse off.

In short, this is because NI cuts are more than offset by other tax rises.

We explain below how this is the case...

Tax thresholds

This is partly down to tax thresholds - the amount you are allowed to earn before you start paying tax (and national insurance) and before you start paying the higher rate of tax - will remain frozen. 

This means people end up paying more tax than they otherwise would, when their pay rises with inflation but the thresholds don't keep up. 

This phenomenon is known as "fiscal drag" and it's often called a stealth tax because it's not as noticeable immediately in your pay packet.

That low threshold of £12,570 has been in place since April 2021. 

The Office for Budget Responsibility says if it had increased with inflation it would be set at £15,220 for 2024/25.

If that were the case, workers could earn an extra £2,650 tax-free each year.

Less give, more take

Sky News analysis shows someone on £16,000 a year will pay £607 more in total - equivalent to more than three months of average household spending on food. 

Their income level means national insurance savings are limited but they are paying 20% in income tax on an additional £2,650 of earnings.

In its analysis , the IFS states: "In aggregate the NICs cuts just serve to give back a portion of the money that is being taken away through other income tax and NICs changes - in particular, multi-year freezes to tax thresholds at a time of high inflation."

Overall, according to the institute, for every £1 given back to workers by the National Insurance cuts, £1.30 will have been taken away due to threshold changes between 2021 and 2024.

This rises to £1.90 in 2027.

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