government employee travel card

Department of Defense Travel Card Benefits

Progress informed from the past, and inspired by the future, cardholder guide.

Official travel for the Department of Defense just became easier with the Citi Department of Defense Travel Card. When you are preparing to use your new card, please read What To Do When I First Receive My New Card . For more information regarding your new card, please read the Department of Defense Cardholder Guide .

Department of Defense Travel Insurance

As a cardholder, you will receive global travel accident and lost luggage insurance so you feel safe and secure wherever you travel with a Citi ® Commercial Card.

• Travel Accident Insurance Guide
• Lost Luggage Insurance Guide

MasterCard Guide to Benefits

Visa Guide to Benefits

In addition to the card benefits provided by Citi, Visa provides card benefits such as Car Rental Insurance and Travel and Emergency Assistance. For full details, please read the Visa Guide to Benefits .

Travel Tips

For more information on your Citi Department of Defense Travel Card, please read What to do Before, During and After travel .

Online Tools

Citi's global online tool, CitiManager ® , enables you to manage business expenses from anywhere around the globe from your computer or mobile device; you can view statements online, confirm account balances, sign up for email and SMS alerts, and much more. If you have not already signed up for the CitiManager ® tool, please log on to www.citimanager.com/login and click on the 'Self registration for Cardholders' link. From there, follow the prompts to establish your account.

For more information on the CitiManager ® tool, view our CitiManager ® Cardholder Quick Reference Guide .

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Travel Charge Card

Usda travel charge card program.

The Office of the Chief Financial Officer (OCFO), Financial Planning and Policy, Fiscal Policy Division, Travel Section, along with representatives from agencies across USDA, is responsible for establishing and implementing travel policy and procedures as well as managing the USDA travel charge card program.

The USDA Travel Charge Card program provides travel charge cards to USDA employees through the GSA SmartPay 2 contract. The USDA travel charge card provides employees with access to government negotiated fares while allowing agencies greater visibility in to their travel spend.

Travel Charge Card Holder and Travel Charge Card A/OPC Training

All Travel Charge Card holders and Agency/Organization Program Coordinators (A/OPCs) are required to take the USDA Travel Charge Card Training on the proper use of a Government Travel Charge Card prior to receiving one. This course gives charge card holders and A/OPCs a better understanding of the policies and procedures for the Travel Charge Card and helps you and your agency maximize the benefits of the Travel Charge Card program.

Receive travel charge card training by searching for “USDA Travel Charge Card Training” on AgLearn+

Benefits of the USDA Travel Charge Card include:

• The travel charge card is accepted worldwide
• Access to discount government negotiated rates
• Built in travel insurance
• Eliminates the need for travelers to use their personal charge card
• Travelers are no longer required to carry large sums of cash
• Ability to monitor transactions and pay bill online
• Improved oversight in travel spend
• Charges are limited to travel related expenses

Travel Charge Card Policy

The USDA Travel Charge Card is a convenient method for the USDA and employees to make payments for official government travel and travel related expenses, while allowing the USDA to better manage their travel related expenses.

Other benefits of the program include:

• Safety – The USDA Travel Charge Card improves financial controls and eliminates the need for cash
• Electronic Access to Data – Provides accurate, comprehensive transaction detail with a few clicks of a button
• Worldwide Acceptance – The GSA SmartPay2 Charge Cards provide greater access to merchants because they are accepted worldwide
• Access to Government providers - Government Charge Card users are given access to GSA City Pair reduced airfares and FedRooms hotel rates

The USDA saves money on travel processing costs and generates revenue through volume of refunds with the use of the GSA SmartPay Travel Charge Card.

Eligibility

Employees who travel more than four times a year on official government business are required to use a government charge card. Please contact you’re A/OPC to discuss your eligibility to receive a travel charge card.

Card holder roles and responsibilities

Cardholders SHOULD:

• Use the charge card appropriately, in accordance with USDA policy, other laws, and governmental regulations
• Keep up to date with required program & agency-specific training, including refresher training
• Look out for communications from A/OPCs and take appropriate action
• Contact their A/OPC for questions regarding use of the card
• Immediately report a lost or stolen card
• Register for on-line access
• Use card for OFFICIAL travel expenses ONLY
• Track expenses while on travel in order to have accurate information for filing travel claims
• Keep receipts for All transactions charged on their travel charge card
• File travel claim within 5 days of returning from TDY
• Submit payment in full and on time for each monthly bill

Cardholders SHOULD NOT:

• Use the Travel Charge Card for personal use
• Obtain ATM travel advances which exceed the expected out of pocket expenditures for a trip
• Allow their monthly bill to become overdue which could result in the suspension or cancellation of the Travel Charge Card
• Wait for the receipt of their monthly bill to file travel claims
• Pay for another individuals travel expense
• Write their personal identification number (PIN) on the card or carry the pin number in their wallet

Travel Charge Card Documents

• Travel Charge Card Acceptance and Acknowledge Statement (PDF, 206 KB)
• USDA Government Travel Charge Card Regulation
• US Bank Cardholder Guide (PDF, 143 KB)
• Travel Charge Card Do’s and Dont’s (PDF, 426 KB)
• Inter-Departmental Hierarchy Transfer Request (PDF, 175 KB)
• Payment Transfer Request (XLSX, 72.2 KB)

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Travel Guide Table of Contents

Updated travel guidance for gsa employees (07/13/2021).

On July 13, 2021, GSA published updated travel guidance for all employees.

• First Time Travel Guide
• 1 - Get access to Concur
• 2 - Get a GSA Travel Card
• 3 - Update your Concur Profile
• Individual travel email template
• Group travel email template
• What if I am traveling for multiple projects?
• What if I am attending a training, conference, speaking event, or other "IRL" or large team gathering?
• What if I am extending travel for personal reasons?
• What if I am returning to traveling from a location other than home?
• International travel
• Estimating expenses
• Book your flight or rail
• Book lodging
• Can I book lodging outside of Concur
• Booking a rental car
• Completing trip information
• Justify any rental car use or personal vehicle mileage claims
• , external, TTS-only, TTS Travel approval checklist
• Stamping and Submitting for Travel Team Approval
• , external, TTS-only, Unofficial TTS guide to Concur FAILS
• How do I use the GSA travel card?
• Which receipts do I need to keep?
• Meals and Incidental Expenses
• Voucher from authorization (all non-local travel)
• Local and miscellaneous vouchers
• Enter Expenses
• Meals paid on the travel card
• Extra days at personal expense
• Flights or Amtrak booked outside of Concur
• Local transportation
• Issues with reimbursement
• Amending vouchers
• Appendix A: Amended authorizations
• Appendix B: After hours and emergency travel procedures
• Travel Guide FAQ

GSA resources

• Federal Travel Regulation
• TTS-only, GSA travel policy
• GSA City Pairs Program FAQ
• TTS-only, GSA travel card policy
• GSA local travel policy
• TTS-only, GSA travel advances policy
• GSA conference and event policy
• , external, GSA official guide to Concur
• Business Applications Service Desk (Concur Helpdesk): (866) 450-6588, press 2 or [email protected]
• , external, TTS-only, #travel
• , external, [email protected]
• , external, Book office hours

Handbook.tts.gsa.gov

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• Travel Management

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Frequently asked questions about travel, general information for department of commerce travelers.

• Travel Policy Questions: [email protected]
• Travel Card Program Questions: [email protected]
• Passports and Visas:  [email protected]
• Please reach out to [email protected]   to schedule an in-person appointment. Please specify the purpose of the visit so that TMD can ensure the appointment is set-up with the proper point of contact. 

Travel Cards

• The Travel and Transportation Reform Act of 1998 (Public Law 105-264) mandates the use of the Government Travel Charge card for employees on official government travel. Employees are required to use the travel card for ONLY official Travel-Related expenses away from the official duty station for which a travel voucher will be filed. The DOC Travel Charge Card Handbook implements the mandatory use of the travel charge card by all DOC official travelers.
• The travel card is only used when you have an approved travel order.
• The cardholder can use the travel card for Travel-Related expenses.
• You cannot use your travel card for anyone else’s travel expenses.
• You cannot use your travel card for personal payments of any kind.
• If you have more questions, please contact your travel card POC.
• Please contact your Bureau A/OPC for the Invitation Passcode and Inviters Email Address .
• Use the following link to apply for a Travel Card at least 15 business days in advance of your travel date: https://home.cards.citidirect.com/CommercialCard .  After accessing the link, follow the steps below to complete an online application.
• Under new users select " Apply for Card ";
• Select " Invitation Passcode " then click on continue;
• Type in the invitation passcode, then type in the Inviter's email address then select continue;
• You will now be at the " User Registration " screen; please follow the questions to complete your application.
• After completing the User Registration, you will be prompted to apply for a card.
• Statement of Understanding , signed by you and your supervisor. Electronic signatures are acceptable.
• The GSA SmartPay Travel Cardholder Training. This is a mandatory requirement for each cardholder before being issued the card and every three years after that. The training is online and can be accessed using the following link: https://training.smartpay.gsa.gov
• Upon receipt, an AOPC will process the application and forward to Citibank for approval. The total processing and delivery time of your travel card to the address of record is approximately 7 to 10 business days.
• The Travel and Transportation Reform Act of 1998 (Public Law 105-264) mandates use of the Government Travel Charge card for employees on official government travel. Employees are required to use the travel card for ONLY official expenses and travel related expenses away from the official duty station for which a travel voucher will be filed.
• All Department of Commerce travelers are eligible to be issued a travel card.
• Contract your travel card POC for information.
• The travel card is only used when you have an approved travel authorization.
• The travel card can only be used by the cardholder for official travel expenses.
• You cannot use your travel card for anyone else's travel expenses.
• When you know your destination(s), your hotel choices and your dates of travel, you can make your reservations either in the Electronic Travel System
• CWTSatoTravel is the Department of Commerce's travel agency except for USPTO. They adhere to the agency's travel regulations and can answer questions that you may have about hotels, car rentals and government fares. For CWTSato assistance, call (866) 789-3443 or (855) 813-2844.
• Adtrav (SAP Concur) is USPTO travel agency. For reservation/ticketing assistance, please contact Adtrav at [email protected] or Phone: (205) 949-4209 or Toll Free: (866) 866-4810. (Normal business hours are Monday - Friday, 7 A.M. - 10 P.M. (EST).
• Generally, the Department of Commerce will not pay for seat selection.
• Please speak to your travel coordinator if you have further questions regarding payment of seat selection.

Official Travel Reservations

• The Department of Commerce uses a Centrally Billed Account travel card to pay for all airfare, rail or bus usage while on official travel.
• If approved changes are made to the reservation for any personal reason (airline choice, cheaper fare, vacation, etc) the CBA is no longer used to make payment. You must use your personal credit card to make changes for personal reasons after the approved official ticket has been issued.
• Your Individual Billed Account travel card will pay for the hotel, taxis, parking, and other travel expenses while you are on official travel.
• Yes, unless your travel meets a specific exception to the program. Exceptions to the mandatory use requirements are contained in  §  301-10.107 .
• Yes, the FTR requires employees to use the Government contracted TMC to arrange official travel.
• The transaction fee is charged when a ticket is issued. Fully refundable contract city pair fare tickets will be issued three business days in advance. All other tickets will be issued when the approved travel authorization is received. Travelers must request the agent to issue a ticket earlier or later, as necessary. An additional transaction fee will apply when another ticket is issued due to a change in the itinerary.
• Transaction fees change every fiscal year. The updated transaction fee schedule is sent to all DOC travel coordinators no later than September 15th of each year.
• All premium travel requests must include a travel authorization and CD-334, Request for Approval of Other than Coach-Class Accommodations, with matching dates and appropriate approval. Please contact your travel AOPC for assistance.

Passports/Visas

• Yes, all DOC employees must have an official government passport in order to travel internationally on temporary duty. Employees cannot use their personal passports when traveling on official business for the U.S. Federal Government.
• Provide a 2"x2" photo without eyeglasses taken within the last 6 months. The DOC Office of Security provides free passport photos to DOC employees for official government travel. Please send a memo on agency letter head or an email from your immediate supervisor or unit administrative support to  [email protected]  or  Security Service Center Appointments  to request visa or passport photos. The memo or email must state that the employee is traveling on official business.
• Submit a  Letter of Authorization (LOA) from your  agency's authorized signatory .  Submit all documents as single-sided copies.  If your travel date is within two weeks, your LOA must indicate a request for expedited processing in both the subject line and the body of the letter.
• Evidence of US Citizenship. Provide both the original document and copy. 
• Government issued photo identification (Drivers License). The passport acceptance agent will require a single-sided copy of both the front and back of the document.
• Current processing times for SIA issued official passports can be found on the State Department's website here .
• Provide a 2"x2" photo without eyeglasses taken within the last 6 months. The DOC Office of Security provides free passport photos to DOC employees for official government travel. Please send a memo on agency letter head or an email from your immediate supervisor or unit administrative support to  [email protected]  or  Security Service Center Appointments  to request visa or passport photos. The memo or email must state that the employee is traveling on official business.2
• Provide a copy of your personal passport or expired/expiring official passport.
• Provide a  Letter of Authorization (LOA) from your  agency's authorized signatory .  Submit all documents as single-sided copies.  If your travel date is within two weeks, your LOA must indicate a request for expedited processing in both the subject line and the body of the letter.
• Submit all applications at least 30 days before the date of travel and 60 days before departure if a visa is needed.
• When all required items are obtained, please set up an appointment to bring these items to the bureau passport agent.
• If you work for the Office of the Secretary, applications should be submitted to the Travel Management Division (TMD). Please reach out to TMD at [email protected] to set up an appointment to drop off your application. 
• All applications brought to TMD will be couriered to the Special Issuance Agency (SIA) for processing.
• NIST, NOAA, CENSUS, ITA, or PTO employees should contact their travel/passport office for guidance and instructions.
• Visa Requests can be submitted electronically to the [email protected] for TMD to process. TMD staff will follow-up if additional information is needed to process the visa request.
• Since each country's embassy has full control over the Visa processing and passport release time, TMD requires a 30-day advance notice when assisting a traveler with obtaining a visa. 
• For Visa requests made 10 days or less before the traveler is scheduled to depart, the traveler may be responsible for going to the Embassy or Consulate to submit their request in person.

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Card/Account Holders and Approving Officials Travel Training

Introduction: Welcome to the Course

Welcome to the gsa smartpay® travel training for card/account holders and approving officials.

As a federal government employee going on official government travel, you are expected to be familiar with the Federal Travel Regulations (FTR) and other government travel policies.

This training course is intended to teach you the basics about your roles and responsibilities as a card/account holder or approving official and can be used as refresher training as required by your agency. We encourage you to also learn about your agency’s specific travel program requirements and policies. After reviewing each lesson, click on the button to go to the next lesson. The quiz is only available on the website and can be accessed after you complete the final lesson.

Note: The GSA SmartPay training website is an independent training system and does not connect/communicate with any other agency training systems.

training.smartpay.gsa.gov

An official website of the General Services Administration

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The Military Wallet

The Dos and Don’ts of Government Travel Charge Cards

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What is a Government Travel Charge Card?

Obtaining a government travel charge card, types of government travel charge cards, uses of a government travel card, the rules of a government travel card, how to responsibly use your government travel card, incorrect uses of a government travel card, resources and contacts.

You just received your first GTCC — the federal government’s version of a corporate travel credit card. But before your “ Wolf of Wall Street ” fantasies about perks and points come alive, it’s best to learn a bit more about how the GTCC program works, what’s expected of you as a cardholder, and how to use the card appropriately and legally.

Within this article, we explore the basics of the GTCC program at the Department of Defense, the different types of charge cards offered, and ways to obtain a card. Read on for some savvy tips on how to use (and how not to use) your government charge card so that you remain in control and out of trouble.

A GTCC is a commercial credit card offered to DoD personnel (both military and civilian) to pay for costs related to government-specific travel. For military members, this may include Permanent Change of Station moves and temporary duty assignments so that the service member doesn’t have to pay for work-related expenses out of pocket.

Currently, credit cards issued under the GTCC program are from the commercial partner, Citibank. However, the program itself is managed by DoD program coordinators within the Defense Travel Management Office (DTMO), who provide troubleshooting assistance to service members and federal employees. While Citibank issues GTCC credit card statements, DTMO set policy regarding GTCC use. It is the main agency that does so.

In general, military members will not have access to the GTCC program until it becomes a job requirement. Those who become eligible for holding a GTCC must first complete an online training course and then be invited to apply for the card through Citibank.

There are two main classifications for government charge cards: 

• Individually Billed Accounts (IBAs) 
• Centrally Billed Accounts (CBAs)

Individually Billed Accounts (IBAs)

Individually Billed Accounts are issued to service members for travel and travel-related expenses. With these types of cards, the service member is responsible for settling the account. 

According to the DoD , the Standard card options within this category are typically issued to those with a 660 or higher credit score. They have a credit limit of $7,500. 

In contrast, the Restricted card option is issued to those with lower credit scores (500-659) and has a lower credit limit of $4,000. Restricted government charge cards are closely monitored. They are sometimes deactivated during periods when travel has not been approved.

Centrally Billed Accounts (CBAs) 

Centrally Billed Accounts can also be used to pay for travel expenses. 

These cards are settled directly by the U.S. government (so the cardholder has fewer personal responsibilities). They have limited use. Unlike Individually Billed Accounts, where the service member is personally liable for card charges, Centrally Billed Accounts assume government liability.

Approved uses of a government travel charge card include, but are not exclusively:

• Meals (not including alcohol)
• Transportation (airfare, train, etc.)

For additional guidance on what constitutes “official travel,” see page 14 in the GTCC Regulations (2020) and the newly amended Joint Travel Regulations (2021) .

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Responsible use of your government charge card entails three main activities: 

• Ethical use of the card for official government travel expenses only;
• Timely and accurate reporting of charges (often with printed receipts);
• Timely payment of the card’s balance

The cardinal rule to follow: the government charge card is not to be treated as a personal card in any way. It should be used only for official travel . (Commuting to work or going on a family vacation do not constitute “official travel”). 

Following the travel event such as PCS or TDY , cardholders are expected to submit a “travel claims” report within five days of its conclusion in the Defense Travel System. This should include scanned receipts of individual charges as well as amounts, dates and descriptions. Foreign currency charges must be converted into U.S. dollars.

Additionally, cardholders with Individually Billed Accounts are responsible for ensuring that the government travel card is ultimately paid off. When entering trip report details in the Defense Travel System, cardholders are encouraged to use the split disbursement option to ensure that the service member is reimbursed for all out-of-pocket expenses and per-diem rates while the charges on the government credit card are settled in full.

Although it isn’t difficult to imagine the multitude of ways that service members can get into hot water for misuse of government travel cards, the most common missteps involve:

• Using the card for unofficial/non-approved travel or personal use
• Overspending
• Using the split disbursement feature incorrectly
• Failing to submit timely and/or accurate travel reports in DTS
• Failing to pay the card balance on time
• Including alcohol on receipts for DTS submission 

In addition to accruing late fees, which begin at 75 days past the due date, cardmembers can have their accounts suspended or terminated for improper use of a GTCC. For more serious offenses, service members may receive formal counseling, an Article 15, or even a court-martial . Therefore, it’s best to be on the safe side and remember the basics for proper GTCC etiquette:

• Use it only for official/approved government travel;
• Provide a timely and accurate report in DTS, using the split reimbursement option;
• Ensure that the GTCC is paid off in full by the due date

For more information on the DoD GTCC:

Citibank Customer Service: 1-800-200-7056 (or 757-852-9076 when calling collect)

GTCC Travel Assistance Center: 1-888-HELP1GO (1-888-435-7146)

Citi’s DoD Travel Card Webpage

Email of the DoD Travel Card Helpdesk

DoD GTCC Regulations (2020)

DoD Joint Travel Regulations (2021)

About Post Author

Meaghan Doherty Myers

Meaghan Doherty Myers is a freelance writer, specializing in military benefits, personal finance, and defense and security issues. She holds an M.A. in Strategic Studies and International Relations from the Johns Hopkins School of Advanced International Studies (SAIS) and recently graduated from the Russian language program at the Defense Language Institute in Monterey, CA. She is an Army spouse, a former ballet dancer, and a former management consultant who lives with her husband and daughter in Alexandria, VA.

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Money latest: Gameboys, Sindy dolls, designer shoes, 1950s furniture - the items in your attic that could be worth a small fortune

Gumtree's most popular items include rare stamps, Gameboys and Pokemon cards. Read this and all the latest consumer and personal finance news below, plus leave a comment or submit a consumer dispute or money problem in the box.

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• Ottolenghi Aleppo & Other Chillies Blend (£3.95)
• Ottolenghi Sweet & Smokey Blend (£3.95)
• Ottolenghi Citrus & Spice Blend (£3.95)
• Ottolenghi Red Chilli Sauce (£4.50)
• Ottolenghi Shawarma Marinade (£4)

Ottolenghi said he had "always been super eager to get our flavours onto people's dinner plates nationwide, not just in London, without having to cook it from scratch every single time". 

He added: "I hate to admit it but the pasta sauce already features heavily in my home kitchen, when no one is looking."

The cost of bread, biscuits and beer could increase this year due to the impact of the unusually wet autumn and winter on UK harvests.

Research suggests that production of wheat, oats, barley and oilseed rape could drop by four million tonnes (17.5%) compared with 2023.

The wet weather has resulted in lower levels of planting, while flooding and storms over winter caused farmers more losses.

The predictions come just as the rate of price increases on many food items begins to slow as inflation falls.

The Energy and Climate Intelligence Unit (ECIU) analysed forecasts from the Agriculture and Horticulture Development Board (AHBD) and government yield data.

It found a "real risk" of beer, biscuits and bread becoming more expensive if the poor harvest increases costs for producers, according to its lead analyst Tom Lancaster.

Beer prices could be affected because the wet weather is still disrupting the planting of spring crops such as barley, the ECIU said.

And potatoes might also see a price hike in the coming months, with growers warning of a major shortage in the autumn due to persistent wet weather.

By Emily Mee , Money team

When I think about the toys of my childhood - my pink Barbie car, my Gameboy Micro, my collection of Pokemon cards - I can't tell you where they went. 

Maybe they were shipped off to a charity shop at some point... Or perhaps they're in the attic? 

While my hot pink Gameboy Micro is lost to the void of time (or a cardboard box somewhere in my mum's house), other versions of it are selling on eBay for £100 or more. 

And there are Pokemon cards selling for anything from a tenner to hundreds or even thousands of pounds. 

It's possible you also have items at home that are a collector's dream. 

Gumtree says its collectables category is already proving to be a "hotbed of activity" this year, with listings up 22% in 2024 so far. 

Its most popular items include rare stamps, coins, war memorabilia and Pokemon cards. 

Spring is often the most popular time for buying and selling collectibles, with demand spiking in March and April. 

We've enlisted the help of TV presenter and collectables expert Tracy Martin to give an idea of what could make you an easy buck. 

Old toys making a 'retro comeback'

Tracy explains that while trends change, vintage toys tend to stand the test of time. 

"Toys are always going to be popular because they tap into nostalgia, our childhood memories," she says, explaining that adults like to buy the toys they used to have. 

Perhaps you were into cars, and you've got some old diecast vehicles from Matchbox, Corgi or Dinky Toys. 

A quick look on toy auction site Vectis.co.uk shows a Corgi Toys "James Bond" Aston Martin estimated to sell for between £600 to £700 - while others are likely to fetch £50 to £60. 

Sindy dolls are also particularly sought after - particularly those from the 1960s - and Barbie dolls from the 1990s too. 

Pokemon cards have seen a "massive surge", Tracy says, with people paying "thousands and thousands of pounds" for good unopened sets. 

She's even seen examples of people paying £16,000 upwards. 

Another up-and-coming market is games consoles, such as Gameboys, vintage consoles and PlayStations, which are making a "retro comeback".

What else could earn you some cash?

Tracy says there's currently a surge in people wanting to buy "mid century" furniture, which is dated to roughly 1945 to 1965 and typically uses clean lines and has a timeless feel. 

Vintage Danish furniture is sought after, particularly tables and chairs with good designer names such as Wegner, Verner Panton and Arne Jacobsen.

Prices range from the low hundreds into the thousands.

People will also look out for vintage framed prints by artists such as Tretchikoff, J.H. Lynch and Shabner - these can range in price from £50 upwards to a few hundred pounds plus. 

Vintage clothes, handbags and shoes can fetch a good price - but you can also invest in modern pieces. 

Tracy suggests looking out for good classic designs with high-end designer names such as Gucci, Chanel, Dior and Louis Vuitton. 

Modern designers such as Irregular Choice, Vendula and Lulu Guinness are also collected. 

Collaborations with designers and celebrities can do well as they're often limited edition. 

For example, Tracy says the H&M x Paco Rabanne maxi silver sequin dress retailed at £279.99 last year but now sells for in excess of £600. 

When it comes to shoes, "the quirkier the design the better" - so look out for brands such as Irregular Choice and Joe Browns. 

Converse and Dr Martens collaborations also do well, depending on the design and condition, as well as Adidas and Nike limited edition trainers. 

What's the best way to sell?  

Tracy recommends to always research before selling your items, as they might perform better on different platforms and you can also get an idea of how much they sell for. 

For example, Vinted can be a good place to sell clothes and shoes, while other items might be better suited for sale on Gumtree, eBay or Etsy. 

Tracy's favourite way to sell is through auction - especially if there are specialist sales. 

Vectis is one of the biggest and most popular for toy selling. 

Interests in different periods and items can go up and down, but for the time being vintage pieces from the 1980s and 90s are popular. 

How much you'll be able to get from an item often takes into account its rarity, condition, whether it reflects a period in time, and if it's got a good name behind it. 

You never know - you might be sitting on a treasure trove. 

Annual mortgage repayments have increased by up to 70% since 2021, according to new data from Zoopla .

The biggest impact of rising interest rates has been in southern England where house prices are higher.

Across the South West, South East and East of England, the annual mortgage cost for an average home is £5,000 higher than previously. This rises to £7,500 in London.

But the universal uptick in mortgage costs has been less pronounced in other parts of the UK, with the North East seeing a £2,350 increase.

In a bid to tackle inflation, the Bank of England has raised the base rate from 0.1% in December 2021 to a 16-year high of 5.25% now.

The Zoopla research looked at the average home buyer taking out a 70% loan-to-value mortgage.

This week seems to be starting where last week left off - with three major lenders announcing further hikes in mortgage rates.

Amid uncertainty of the timing of interest rate cuts from the Bank of England  this year, swap rates (which dictate how much it costs lenders to lend) have been rising in recent weeks.

Financial markets currently see two rate cuts by the Bank of England this year.

We've reported on a string of rate bumps from the high street over the last 10 days, and this morning NatWest, Santander and Nationwide moved.

In its second hikes announcement in less than a week, NatWest laid out increases across its full range of residential and buy-to-let fixed deals of up to 0.22%.

Santander, meanwhile, announced increases for both fixed and tracker deals across their residential and buy-to-let products - up to 0.25%.

The same hikes are being imposed for a range of Nationwide deals.

All of these will kick in tomorrow.

Amit Patel, adviser at Trinity Finance, told Newspage it was "not a great start to the week". 

"This is not good news for borrowers," he said.

Where will the base rate go this year?

The majority of the bets, according to LSEG data, are on the first cut coming in August (previously this was June) and the second in December.

This would take Bank rate from the current level of 5.25% to 4.75%.

Disabled people could receive vouchers instead of monthly payments under proposed changes to Personal Independence Payment (PIP).

The changes could see people being provided with either one-off grants for specific costs such as home adaptation, or being directed to "alternative means of support" rather than financial support.

Work and Pensions Secretary Mel Stride is set to announce plans today to overhaul the way disability benefits work.

In a Green Paper due to be published alongside Mr Stride's statement to the Commons, ministers will set out plans to reform Personal Independence Payments (PIP), the main disability benefit, through changes to eligibility criteria and assessments.

The plans also include proposals to "move away from a fixed cash benefit system", meaning people with some conditions, such as depression and anxiety, will no longer receive regular payments but rather get improved access to treatment if their condition does not involve extra costs.

Speaking to Sky News earlier, Mr Stride said: "I want us to have a grown-up, sensible conversation about a benefit called PIP that has not been reviewed in over a decade.

"And I want to ask the question, is it fit for purpose given the world that we're in today, in which mental health issues sadly present more of an issue than they did a decade ago."

By James Sillars , business reporter

A fresh high for the FTSE 100 to start the week.

The index of leading shares in London was 0.5% up at 8,179 in early dealing.

The gains were led by miners and financial stocks.

Dragging on the performance were some consumer-facing brands including JD Sports and Flutter Entertainment.

One other development of note to mention is that stubbornly high oil price.

A barrel of Brent crude is currently trading almost 1% down on the day.

But it remains at $88 a barrel.

The market has been pulled by various forces this month, with hopes of a rebound in demand in China among them.

The latest decline is said to reflect peace talks being held between Israel and Hamas.

A demand for smaller homes has driven growth in UK property prices early in 2024, according to research by Halifax.

Data from the bank's house price index suggests annual property price growth hit 1.9% in February this year - a significant rise from -4.1% just three months prior.

That equates to a rise in prices of £5,318 over the past year.

It follows interest rates stabilising, Halifax says, after a sharp rise over the past two years which squeezed mortgage affordability.

A key driver behind rising prices, Halifax says, has been first-time buyers, who made up 53% of all homes bought with a mortgage in 2023 - the highest proportion since 1995.

And it's smaller homes that have recorded the biggest increases in price growth in the early part of this year - with buyers adjusting their expectations to compensate for higher borrowing costs.

Flats and terraced houses made up 57% of all homes purchased by first-time buyers last year.

This varies by region - for example, in London, flats and terraced homes accounted for 90% of all first-time buyer purchases.

Challenges remain

However, Amanda Bryden, head of Halifax mortgages, said "it's important not to gloss over the challenges" facing the UK housing market, given the "impact of higher interest rates on mortgage affordability" and "continued lack of supply of new homes".

"But scratch beneath the surface and there is a more nuanced story, one which shows that demand for different property types in different parts of the country can vary hugely," she added.

"As interest rates have stabilised and buyers adjust to the new economic reality of owning a home, one way to compensate for higher borrowing costs is to target smaller properties.

"This is especially true among first-time buyers, who have proven to be resilient over recent years, and now account for the largest proportion of homes purchased with a mortgage in almost 30 years."

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