
Let me share something that drives me absolutely bonkers - ordering groceries online only to find half my dinner ingredients missing when the delivery arrives. Anyone else? I swear my blood pressure spikes every time I open that front door to a sheepish driver holding a bag that's suspiciously lighter than it should be.
I spent three weeks of my life (that I'll never get back) testing different supermarkets after a particularly disastrous Tesco order where they somehow managed to substitute chicken breasts with a bottle of fabric softener. I'm not even joking. My husband still brings it up at dinner parties.
The Missing Broccoli Incident That Started It All
Back in January, I ordered £87 worth of groceries during that awful cold snap when nobody wanted to leave the house. The driver arrived without my broccoli, pasta, AND the birthday cake for my son's party the next day. I nearly had a meltdown right there on my doorstep.
So I did what any reasonable person would do - I went down a rabbithole investigating how each major supermarket handles these situations. And boy, did I learn some things.
What's Asda's deal?
Asda gives you a measly three days to sort out any problems with your delivery. THREE DAYS! Who unpacks their entire shop that quickly? Sometimes I find random items hiding in bags a week later.
You'll need to visit their help centre at groceries.asda.com/account/order/2 to request a refund. The good news is that they don't charge for unavailable items, and you can opt out of substitutions entirely at checkout.
Last time I ordered from them, they substituted my Whiskas cat food with some fancy organic brand that cost twice as much. My cat turned her nose up at it anyway. Typical.
Tesco - surprisingly decent (most of teh time)
If something arrives damaged, you can hand it back to the driver immediately and they'll process your refund. Missed the driver? Just take it to your local store.
What I actually appreciate about Tesco is their price matching on substitutions. So when they gave me premium bacon instead of the value range I'd ordered, I only paid for the cheaper stuff. Small victories, people.
The annoying bit? If something's missing and there's no substitute, you have to call their Customer Service team. In 2024! Who has time for phone calls anymore?
Sainsbury's and their voucher obsession
Here's where it gets interesting.
Sainsbury's handles things differently by giving vouchers as compensation for substitutions. So if they give you something pricier than what you ordered, you'll get the difference back as a voucher for your next shop.
They email the voucher code and add it to your online voucher wallet. These vouchers last 2 months and can only be used for online groceries.
Word of warning though - if you accept a substitution at delivery, you can't later decide you don't want it and request a refund. My neighbor learned this the hard way after accepting some weird vegan cheese alternative that apparently tasted like "feet and disappointment."
And finally... Morrisons (my unexpected winner)
Morrisons gives you a whole week to request refunds through their website at accounts.groceries.morrisons.com. A WEEK! That's more than double what Asda offers.
Their drivers notify you about substitutions before they arrive, which saved me from a potential meltdown when they substituted my daughter's favorite yogurts. I could mentally prepare her for the disappointment rather than dealing with a tantrum at the door.
Listen. After all my testing and approximately £450 spent across different supermarkets (don't tell my husband), I've switched to Morrisons for our weekly shop. The longer refund window and upfront substitution warnings just make my life easier.
Sometimes it's the small things that make all the difference when you're juggling work, kids, and trying to remember if you've run out of milk... again.
Frequently Asked Questions
What are credit scores and why are they important?
Credit scores are numerical representations of an individual's creditworthiness, calculated based on credit history, payment behavior, and debt levels. They are important because they impact the ability to obtain loans, credit cards, and favorable interest rates, affecting overall financial health.
What is the definition of money?
Money is a medium of exchange that facilitates transactions for goods and services. It serves as a unit of account, a store of value, and a standard of deferred payment, allowing individuals to compare the value of diverse products and services.
What is the role of central banks in the economy?
Central banks manage a nation's currency, money supply, and interest rates. They implement monetary policy to control inflation, stabilize the currency, and foster economic growth. They also serve as lenders of last resort to the banking system during financial crises.
How does inflation affect the value of money?
Inflation refers to the general rise in prices over time, which erodes the purchasing power of money. As inflation increases, each unit of currency buys fewer goods and services, meaning that the value of money decreases in terms of what it can purchase.
How can I improve my credit score?
To improve your credit score, make timely payments on all debts, reduce credit card balances, avoid opening unnecessary credit accounts, and regularly check your credit report for errors, disputing any inaccuracies. Maintaining a mix of credit types and keeping old accounts open can also be beneficial.
How can I budget my money effectively?
To budget effectively, start by tracking your income and expenses to understand your spending habits. Set realistic financial goals, categorize your expenses, and allocate funds accordingly. Regularly review and adjust your budget to ensure it reflects your current financial situation and objectives.
What are the benefits of having an emergency fund?
An emergency fund provides financial security by offering a safety net for unexpected expenses, such as medical emergencies or job loss. It helps prevent debt accumulation, reduces stress, and allows for better financial planning, ensuring that individuals can navigate unforeseen circumstances without significant hardship.
Statistics
- The average return on investment for the S&P 500 over the past 90 years is about 10% per annum.
- In 2020, the average retirement savings for Americans aged 60 to 69 was approximately $195,000, according to Fidelity.
- A survey by the American Psychological Association found that 72% of Americans reported feeling stressed about money at some point in the past month.
- As of 2021, the average American household had approximately $8,400 in credit card debt, according to Experian.
- A report by Bankrate indicated that only 29% of Americans have a written financial plan.
- A study by the National Endowment for Financial Education found that 60% of Americans do not have a budget.
- As of 2021, the average student loan debt for recent graduates was approximately $30,000, according to the Federal Reserve.
- According to the Federal Reserve, approximately 39% of Americans do not have enough savings to cover a $400 emergency expense.
External Links
How To
How To Educate Yourself About Personal Finance
Educating yourself about personal finance is a vital step toward financial independence. Start by reading books and reputable blogs that cover fundamental concepts like budgeting, saving, investing, and credit management. Consider enrolling in free online courses or attending local workshops on financial literacy. Follow financial experts on social media for tips and current trends. Additionally, podcasts and webinars offer valuable insights and diverse perspectives. Join forums or community groups to discuss financial topics with others. Lastly, practice what you learn by applying concepts to your own financial situation for hands-on experience.