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Click and collect looks like the sensible way to dodge a delivery fee, but the car park, the fuel and the queue do not appear on the order summary. Here is the break-even maths, plus the collections that are genuinely free and the ones that simply move the cost.
Supermarket loyalty schemes love a big points balance and a tiny asterisk. We strip out the branding and work out what Clubcard, Nectar, Lidl Plus and Morrisons More actually hand back per £100 - plus the expiry rules and personalised-pricing traps to check before the Christmas shop.
Every November the 'unlimited delivery' offers land, and every November a chunk of Britain pays for a year of something it uses until mid-December. We've run the sums on supermarket savers, next-day passes and fast-fashion schemes — and worked out which ones deserve a place in the Christmas run-in.
Split it into three, the checkout says, and £120 becomes £40 — which is true and also a trick. A worked example of what buy now, pay later does to a Christmas basket, where the late fees and credit-file risks hide, and the one rule worth sticking to in December.
The banners have been up since late October and most of them are decoration. Here's how to check whether a Black Friday 2026 price is genuinely low, which UK retailers are already blink-first, and the four tells that give away a repainted RRP.