Outlook for Pound, Euro and Dollar 2024

A quick update on the latest trends.

Pound to Euro is trading sideways at the moment, moving in a fairly tight range.

Standing back though, the GBP / EUR rate is a lot closer to the high than the low for 2023.

The trend still looks positive for Pound to US Dollar (GBP/USD), having hit a three-month high last week.

Moving forward, we see 2024 as being a year of rate cuts.

Bear in mind, rate cuts tend to weaken a currency.

Markets expect the US Fed to lead the way (March is pencilled in) and the rest to follow.

We see the ECB joining in soon thereafter, but the UK holding back a few months (2nd half of 2024 perhaps).

The Bank of England seems to be the only major central bank still talking tough on inflation.

Everyone else is hinting at cuts. That is keeping the Pound strong for now.

With exchange rates currently 'stable', you might wish to secure a rate now and rest easy over the festive break.

So what next, what should you do?

Get ahead of the game and read our Guide to Foreign Currency Exchange.

Download the Guide Here - with no obligation of course.

With exchange rates currently 'stable', you might wish to secure a rate now and rest easy over the festive break.

You can speak to us on 01872 487 500.

Or to find out our latest rates, click below.

Benefits of using Key Currency:

1. Great exchange rates
2. Quick and easy transfers
3. No transfer fees
4. Expert help and guidance
5. Authorised by the FCA

Current rates: 

Thursday 21st December 2023 at 08.45

£1.00 GBP = 1.1530 EURO

£1.00 GBP = 1.2628 USD

£1.00 GBP = 1.8721 AUD

£1.00 GBP = 2.0209 NZD

£1.00 GBP = 1.6847 CAD

£1.00 GBP = 1.0898 CHF

• Want to Learn More?

• We have created a selection of Free PDF Guides for you to download covering many aspects of buying property abroad, visit our PDF Guides Page today or download our "Buying A Property in France" Guide PDF document.

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How to Save Money on your foreign currency transfers

• Key Currency can save you money by offering more competitive rates of exchange than your bank.
• Clients can typically save you 3-4% of the total transaction value, which can result in significant cost savings.
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In The Kingdom Of The Winter Snowman

La période de Noel est ici (Christmas time is here) ! Every time I leave mon appartement (my apartment) I can hear les chants de Noel (Christmas carols) as I make my way to le marché de Noel to drink du vin chaud. While listening to la musique, I was surprised that many of les chansons (the songs) that I grew up with in English have French versions as well!

Image is “Snowman” by Toshiyuki Imai on Flickr. Licensed under CC BY-SA 2.0.

English and French versions

Hearing a song you know par coeur (by heart) in another language can be a strange experience. It’s easy to hum along, but not knowing any of les paroles (the lyrics) can be frustrating.

L’autre jour (the other day), I heard a very familiar song that I could not chanter (sing): Au Royaume du Bonhomme Hiver.

I couldn’t chanter because I only know la chanson in English: Walking in a Winter Wonderland!

After humming along and doing my best to listen to les paroles, I knew I would have to learn la chanson française.

Looking up les paroles taught me du nouveau vocabulaire (some new vocabulary) like le traîneau et le foulard (the sleigh and the scarf). It also taught me that la chanson is very different in french.

Most importantly, I could chanter the next time I heard la chanson!

Voici les paroles avec la traduction anglaise :

Au Royaume du Bonhomme Hiver / Walking in a Winter Wonderland!

Écoutez les clochettes

Du joyeux temps des fêtes

Annonçant la joie

De chaque cœur qui bat

Au royaume du bonhomme hiver.

Listen to the bells

Of the joyful holiday times

Announcing the joy

Of each beating heart

In the kingdom of the winter snowman.

Sous la neige qui tombe

Le traîneau vagabonde

Semant tout autour

Une chanson d’amour

Au royaume du bonhomme hiver.

Under the falling snow

The sleigh wanders

Spreading all around

A love song

In the kingdom of the winter snowman.

Le voilà qui sourit sur la place

Son chapeau, sa canne et son foulard

Il semble nous dire d’un ton bonasse

Ne voyez-vous donc pas qu’il est tard ?

There he is smiling in the plaza

His hat, his cane, and his scarf

Seemingly telling us in a soft tone

Don’t you see that it’s late?

Il dit vrai tout de même

Près du feu, je t’emmène

Allons nous chauffer dans l’intimité

Au royaume du bonhomme hiver.

He speaks the truth anyway

Next to the fire, I’m taking you

Let’s go warm up in privacy

In the kingdom of the winter snowman.

Blog submitted by: David at The French Property Network - Cle France.

This blog was originally posted on The French Language Blog pages.

A Christmas Carol En Version Française

There are many famous stories about la période des fêtes (the holiday season). My personal favorite is Un chant de Noël (A Christmas Carol) by Charles Dickens. Although originally in English, Un chant de Noël can help your French!

You will know how it can be useful to watch your favorite TV shows and movies either with les sous-titres français or doublées en français (dubbed in French). While it’s preferable to watch a movie or a TV show en VOST, being familiar with the characters and the story in your first language can help you stay engaged in another language.

The same idea works with les livres (books)!

If you have a favorite book in English, you can usually find it en version française.

Dans l’esprit de Noël (in the Christmas spirit), one such example is Un chant de Noël, a story that has been retold many times and in many different styles. My first memory of the story is la version de Disney (the Disney version) where Balthazar Picsou (Scrooge McDuck) plays the role of Ebenezer Scrooge and Dingo (Goofy) is le fantôme de Jacob Marley (the ghost of Jacob Marley).

The novella is most commonly known as Un chant de Noël in French, but it was also published under the names of Cantique de Noël, Chanson de Noël, and Conte de Noël. No matter the version It’s easy to recognise le thème général (the overarching theme):

Scrooge déteste Noël

« Foutaises ! » 

Bob Cratchit, le pauve employée de Scrooge

Le fantôme de Marley visite Scrooge et lui dit qu’il va être hanté par trois esprits

L’esprit des Noëls passés

L’esprit du Noéls présent

L’esprit des Noëls à venir

Scrooge se reveille, il aime Noël et il veut changer sa vie

Scrooge hates Christmas

“Bah! Humbug!”

Bob Cratchit, Scrooge’s poor employee

The ghost of Marley visits Scrooge and tells him that he will be haunted by three spirits

The Ghost of Christmas Past

The Ghost of Christmas Present

The Ghost of Christmas Future

Scrooge wakes up, he loves Christmas, and he wants to change his life

If you’re looking to practice your French during the holidays, try reading le grand classique (the great classic) in French.

Blog submitted by: Alex at The French Property Network - Cle France.

This blog was originally posted on The French Language Blog pages.

While Christmas Day may be winding down, the season isn’t really over until the New Year. Christmas has many traditions, and many of them are tied to food.

Everyone loves family meals consisting of a baked ham or turkey, savoury sides, and delicious desserts (miam ! yum!) – and we’re not even counting the sugar overdose from all those homemade cookies and fudge.

We have our traditional pies, and France, Quebec, and certain French colonies get to chow down an elaborate and historical dessert known as une buche de Noel. Called a Yule log in English, it’s simply a sponge cake rolled and filled with a chocolate buttercream and designed to resemble a log. Some cake makers will cut out branches to stick out of the log. Others will whip up meringue mushrooms, add fresh berries, make fake holly, or sprinkle powdered sugar on top to resemble snow. The cake as we know it today emerged during the 19th century, but the origins of the actual Yule log date back before the medieval era.

At this time, Gaelic Europeans and Celtic Brits believed trees held special powers and burning them to create les cendres (ashes) would increase the strength of this power. Before the winter solstice, people would search out a huge log, decorate it with holly and ivy, and burn it to celebrate days finally becoming longer. The log’s ashes would be collected and used in medicines. In addition to its healing benefits, the ashes also guarded against evil and accidents. It was also believed that spreading the ashes in les champs (the fields) would yield a nice harvest. Certaines personnes (some people) would keep charcoal or cinders from the original log because relighting them during a thunderstorm would protect your home and property from being struck by lightening.

When Christianity spread through Europe, this tradition still continued. The logs were brought in and burned in the hearth, the fireplace area. Onlookers would observe les flammes (flames) and make predictions about the upcoming year – important things like how many calves would be born that year and how many marriages would take place.

Au fil des années (over the years), heaths in houses were built smaller, and people weren’t bringing full-sized logs into their homes anymore. It’s impossible to pinpoint exactly when people stopped burning the Yule logs in their homes and created edible versions instead, but some research suggests that the cakes date back the 1600s judging from popular ingredients of the time. The traditional buche de Noel has meringue and marzipan decorations, and both of these were common treats at that time. Same goes for sponge cake –  it was mentioned as early as 1615 in Gervaise Markham’s “The English Huswife.”

Want to try one of these delicious, calorie-laden Christmas desserts? No problem. You can make it yourself by following one of the many recipes online, but make sure you have time and patience. Some of the recipes require more than 8 hours of your time!

Baking not up your alley? Just head on down to your local patisserie (bakery specialising in sweets) and order one. You’ll find more simple ones à prix abordable (at an affordable price) – about 20 euros – but you can easily drop more than 100 euros for a fancy one.

Bon appétit!

Blog submitted by: Alex at The French Property Network - Cle France.

This blog was originally posted on The French Language Blog pages.

One thing in common, that I love, about the various places I have lived in France over the years are the winter markets. They are smaller, larger, bigger and better in the varying regions of France but the one thing they all have is bundles of Christmas spirit and a sense of community, even though some of the stall holders travel the country to different markets; all the 'locals' visit the town square and share du vin chaud under des illuminations de Noel (Christmas lights).

If you are planning a viewing trip in December be sure to not only visit many nice french houses for sale, take time off and soak up the atmosphere at one of the local French winter markets.

Photo by Jean-Pierre Dalbéra on Flickr

In many pays européens (European countries) December brings les marchés de Noel (Christmas markets). These marchés are a special seasonal affaire that last all too short, but provide a nice traditional atmosphere right in the middle of town.

The tradition originally comes from l’Europe centrale (Central Europe), and as such, the most famous marchés de Noel se trouve en Alsace (are found in Alsace). But there are well known marchés all throughout France.

Dans un marché de Noel you can buy all kinds of jouets (toys) and other petits cadeaux (small gifts), or for those older kids in the crowd, du vin chaud (mulled wine). The traditional shops line the streets, creating an outdoor shopping experience, a real winter wonderland.

While enjoying du vin chaud under des illuminations de Noel (Christmas lights), you might even catch un spectacle (a performance) or two. All in all, se promener dans (taking a walk in) un marché de Noel is the perfect way to get into the holiday spirit.

Blog submitted by: David at The French Property Network - Cle France.

This blog was originally posted on The French Language Blog pages.