MoneySavingExpert's Money Tips Email

The cards and products in your purse or wallet are a window on your finances, so a regular check-up of what you're holstering is important. And while many phones and watches are gradually morphing into wallets, my Twitter purse poll showed that just over two-thirds still take a physical purse/wallet out with them. So here are my tips, whether you're a cash king or a digital doyenne.

Emergency service, NHS or care worker? Do you have your discount card? The £5 Blue Light Card gets - among other discounts - 10% back on fresh food at Asda, which can be a huge saving if you shop there. See more NHS & care worker freebies and discounts.
Do you usually pay on plastic (even if via Apple or Google Pay)? Ensure you are PAID TO PAY. A range of cashback & reward cards give you money or points back when you spend on them. Our top picks currently include...

a) The Chase cashback debit card* pays 1% cashback (max £15/mth) immediately on most normal spending, for at least a year, likely longer. You NEEDN'T switch bank to get it, so can use it alongside your normal bank, and it only does an ID not credit check when you apply, so is easy to get. It's also the cheapest debit card for spending overseas. As Sonia tweeted: "Joined April 2022. Made £278.06 to date plus interest on savings & current account."

b) The Amex Preferred Rewards Gold gives up to £115 in Amazon vouchers, £120 Deliveroo cashback and free airport passes. A complex deal but seriously lucrative for some - the link has a full how-to. It's a credit card so pay off IN FULL each month to avoid interest.

c) The Amex Platinum Everyday pays 5% cashback (max £100) in the first three months and tiered rates afterwards. Again, the link has a full how-to. It's also a credit card, so again ensure you pay off IN FULL.

If you're into frequent flyer rewards, see Airline reward cards too.
40 digital coupons, including 'free' £6 Strongbow, 'free' £2.40 brioche swirls, 'free' £2 7up & more. The days of clipping coupons are mostly over. Our regularly updated 40+ coupons guide collates the best online coupons for you, so you have access to them wherever you are.
Can't afford to pay off your credit or store cards in full? You can't afford to miss a 2-min test to make the debt interest-free. If card debt is burning a hole in your pocket, don't assume you can't cut the cost - put your details into our 0% Eligibility Calculator and it'll show the most likely 0% deals you could be accepted to shift your debt to. That means more of your repayments clear what you owe, rather than just pay interest - so you're debt-free quicker.

Brian emailed: "Thanks for your tip the other week on 0% balance transfers. I owed £1,700 on my Halifax card. I got a 0% balance transfer for 28 months which should make it easier to pay it back rather than being hammered with interest charges. I feel a lot better mentally for this."

- Low eligibility: Try for your best chance anyway - this is important.
- Lots of choice: Go for the card with the lowest fee with enough time to clear the debt. So if you can pay quickly, the longest no-fee card is NatWest's 14mth 0% card If you're unsure how long you need, go long, such as Barclaycard's up to 29mths 0% (3.45% one-off fee). If you do get a balance transfer card, follow my golden rules:

a) Clear the card before the 0% ends, or you pay the full rep APR.
b) Never miss the min monthly repayment, or you can lose the 0%.
c) You must usually transfer within 60 days to get the 0%.
d) Don't spend/withdraw cash - it isn't at the cheap rate.
e) Don't put your balance transfer card in your digital wallet - you don't want it accessible to spend on.
Has your photo driving licence expired? 2m have. They usually expire after 10 years - so check its SECTION 4B to see. Our driving licence check guide has full info on how to renew safely and cheaply and avoid a hefty fine.
Stash a free coffee or tea pass from Waitrose. Just sign up to its loyalty scheme then all you need do is bring your own cup and swipe your card or scan the app when you buy something (even a 20p banana). Ikea and others have free tea & coffee deals too.
Is your debit card a debt card? If you go overdrawn, it is, and it's seriously costly. Credit cards get a bad rap, but if you're overdrawn, debit card interest is typically double that of credit cards, as most now charge 40%. So it's important to manage it down and see if you can make it cheaper...

a) Get PAID to switch your overdraft. First Direct* pays accepted new customers £175 to switch to it, and gives many an ongoing £250 0% overdraft (40% AER above that). So if you've an overdraft of £425 or less, the free £175 clears some and the rest is interest-free.

Nationwide FlexDirect gives switchers £200, and a 0% overdraft, but only for a year. The size of it depends on your creditworthiness, so some get more, some less. Ensure you clear it within the year or you're back at 40%.

b) Shift it to a 0% credit card. For big overdrafts, another option is to shift it to a specialist 0% money transfer card (be careful).

c) Treat overdraft borrowing like a debt. Try to repay a set amount each month, eg, £50 (ie, you should start the next month with a £50 smaller overdraft than the one before). More help, tips and info in how to cut overdraft costs.
Travel in London? Are you due a share of £500m in unclaimed Oyster or contactless card credit? There's over £500 million of unclaimed credit on old Oyster cards. Plus if you paid via Oyster or contactless and failed to touch your card at the journey's end, or were delayed 15 mins by Tube, you may be due money too.

See our quick Oyster & TfL contactless reclaiming guide for help. As Babs posted on my Facebook page: "After checking I had £40 on my card which I didn't use anymore. Got the cash in my bank account a week later."
Stash a FREE National Trust family pass. Normally £30ish, but the National Trust is giving away 1,000s of free family passes (excludes Scotland) to use until Fri 20 Oct.
Got expense receipts stuffed in your wallet? Get on with filing them - it turns them into cash, especially as some employers have time limits. Or many people find it easier to use one of the many apps that let you scan and digitise receipts. Even better, ask if your firm will let you pay for expenses on a cashback card (see point 2) then you can gain on what you shell out for.
Ditch your donor card to go digital donor. For four months now, since June, in every UK nation you're automatically considered willing to be an organ donor unless you opt out. Donor cards do helpfully let your loved ones know your wishes, but you can easily lighten the load by digitally registering your decision (do it via these links: England and Wales | Scotland | Northern Ireland) so your family know your wishes. Better still, discuss it with them.

PS: You can be a living donor too. There are many ways to help while living, including blood & plasma donation, bone marrow donation, stem cells (ages 16 to 30) & hair for young cancer patients.
Can't afford to buy it? Don't just reach for a card... Be very wary of doing willy-nilly new borrowing. If you need to borrow, ensure it's for a one-off planned purchase, you've budgeted repayments and do it with minimal interest. For new spending you can do in store the two cheapest options are...

- 0% purchase cards which if you're accepted can allow you to spread the cost interest-free for up to 22 months.
- Buy now, pay later, which is now ubiquitous online when you spend - and a bit of a nightmare tempting people into debt. Yet if you plan to borrow and want to spread the cost over a few months, it can be the easiest way (though the industry isn't regulated and I'm concerned Govt is going to can planned legislation to regulate it).
Chuck the loyalty cards out of your wallet. Unless you need it for bicep curls, a heavy purse is a pain. To help declutter, most loyalty cards can be stored virtually in Apple and Google Wallets, or apps such as Stocard. Plus check our tips and tricks to boost Nectar and Tesco points.
Is there a railcard in your (digital) wallet? If you spend over £90 a year on train travel there often should be. If you are under 31, over 60, disabled, a couple, have kids aged 5 to 15, live in south-east England, or are just two people who travel a lot together (eg, football friends), then look at a railcard. They cost up to £30/yr and get you a third off most train travel, so if you'll spend £90+ annually, even in one journey, you can save. See Is there a railcard for me?
Put m'money mantras in your purse as a spending block. Some people tell me they have my pic in their wallets as a form of fiscal contraception to remind them to stop spending. Ut hmm. I think I'm more comfortable if you use our designed free money mantras printout instead.

And speaking of contraception...
Check any condoms you have are still in date. Carrying a condom around might be a cliché, but safety counts. Remember though, condoms have use-by dates, so as you're doing this workout, it's a good time to check. To replace, you can use the NHS England free condom search, and there's info for Wales & Northern Ireland too. For Scotland it's run area-by-area so a quick web-search is best.
... and for a different protection, spend a penny. Under the Section 75 law, buy something costing £100.01 to £30,000 and pay for any of it, even a penny, on a credit card, and the card firm's jointly liable with the retailer for the WHOLE amount. So if you make an important purchase, if you can, put at least some of it on a credit card (paid off in full to avoid interest, obvs).

This is powerful voodoo if the retailer goes bust, won't play fair with faulty items, or you buy abroad and can't take the item back. Full claiming help and info on when it doesn't work is in Section 75.

Purchases on a debit card and on a credit card for £100 or less do have the lesser, though still decent, chargeback protection too.

Section 75 can be dodgier digitally. Paying on credit card via buy now, pay later, or sometimes via PayPal, can break the causal link that gives Section 75 protection, though you should still have chargeback anyway. More details in Section 75 online help.

DON'T believe the fake 'Martin Lewis' or 'MSE' ads
Lots of scam ads litter social media and even newspaper websites - some of these lie that we or Martin promote Bitcoin, binary trading etc. See Fake ads warning.

Free wills for the over-55s! (Cheap wills for younger coming)
Book NOW to get a free solicitor-drafted will, or update an out-of-date will, and help charities too

Over 50% of people in our recent wills poll didn't have a will or had a will that isn't up to date. Many said they'd "just not got round to it" or "didn't know where to start". So as this is an important task, if you pull your finger out, we'll show you how to do it...

Flippancy over. Planning for death is not a pleasant prospect. Yet it's a must-do. Without it, your loved ones, the very people you find it difficult to broach the subject with, may find their lives made more difficult. Die will-less and rather than you choosing what happens to your property, money and savings, it's usually governed by intestacy rules.

Scheme 1: October is Free Wills Month - on NOW for those 55 and over. Solicitor-drafted wills are the gold standard, and often cost £100s. Yet Free Wills Month lets people aged 55 and over get a new (or updated) solicitor-drafted will for free, in the hope they'll leave some money in their will to one of its 19 partner charities, which include Age UK and the British Heart Foundation. The suggested bequest is £500, but it isn't compulsory (though if you can, do). Regardless, there's no upfront cost.

It's on twice a year, in October and March (we remind you then too), and different areas do it at different times. This month includes much of the Midlands, northern and south-west England, plus Wales and Northern Ireland. See October Free Wills Month for details, and GO QUICK, as places tend to get booked up fast.

Important: Are you cohabiting but not married? People often talk about their 'common law' partner, but that's mostly meaningless in law. If you're not married or in a civil partnership (which are both essentially contracts), even if you've lived together for decades and have 27 kids, your partner's due NOWT of your estate in law without a will - possibly not even your share of any home you bought together. See what happens if you don't have a will.
Scheme 2: Will Aid, due in November, is for anyone aged 18+, and has more places. This is the bigger scheme, but it usually fills up quickly, so it's best to book ASAP (you can do this now). With Will Aid, more than 400 solicitor firms across the UK can draft a will for you in the hope you make a charitable donation. The suggested amount is £100 for a single will and £180 for a 'mirror' will (where you and your partner get the same will), though if you can't afford it, you can give less.

For a range of other options, including 35% off wills from Which?, see Cheap and free wills.

PS: For many, a Power of Attorney is just as important as a will. This means that if (and only if) you lose your faculties, someone can take over your finances to, for example, help pay for your care.

New. Top 5.2% easy-access savings & they're from a BIG name. NatWest Group's Ulster Bank* has just launched a 5.2% AER variable easy-access saver, ie, you can put money in and withdraw it when you want... as long as you've £5,000+ to open it. If not, Coventry BS also offers 5.2% from £1 but while Ulster allows unlimited withdrawals, with Coventry you can only withdraw 3 times a year; more and you pay a penalty. Full info & more options in Top savings.

Amazon's 'Prime Big Deal Days' including Barbie, Fitbit & Shark, plus up to 60% off Alexa - tips, predictions & duds. See Big Deal Days for what's likely to be in next Tue and Wed's sale.

Toy sales: Up to 50% off at Argos, Morrisons & Tesco, including Barbie, Lego & Hot Wheels. And they're off... the runners & riders in the big pre-Christmas toy sales, which a lot of MoneySavers wait for. Toy sales

It's back! Invest £50, get a FREE £50 back. 7,500 available. Newbies putting £50+ into Wealthify's robo-investment service get £50 cashback after a year. So invest £50, wait, and then you get your money back, so whatever the investment's worth in a year is profit. Even if it flops, at worst you break even. For full details, including £100s back if you've more to invest, see Robo-investing cashback.

Martin: 'Take cover! Car insurance prices up a shocking 41%, home close behind.' Many people are talking about Martin's recent car & home insurance briefing, where he urged you to check whether you can lock in for a year to save £100s and forestall price hikes. As Ruth tweeted him: "Thank you so much. My car insurance was going up by just under £200 this year. I used the Compare+ tool and saved £270 on this year's price."

Early access. £200+ of beauty & skincare for £55 via Boots No7 Advent calendars. Available to all from Wed, but via our link, you can get access now to all of this year's four Boots No7 beauty calendars.

Ends Thu. Unlimited data Sim just '£10.67/mth' - cheapest we've ever seen. This iD Mobile Sim (uses Three's signal) is £8/mth for 3mths, then £16/mth, but you can CLAIM a £40 Amazon / Currys voucher after 3mths. Factor that in and it's equivalent to £10.67/mth over the year's contract. Want different data / network? Use Cheap Mobile Finder.

Why are standing charges so high? Plus how to cut energy bills, broken Britain, fix savings & more... The Martin Lewis Podcast. A jam-packed new pod with an indispensable energy briefing, life hacks from retirees and more. All in The Martin Lewis Podcast - listen via BBC Sounds | Spotify | Apple Podcasts & more.

BLAGGED FOR MSE

- Five-piece Grüum skincare set £14 10,000 available

DID YOU MISS?

- Totally FREE Greggs pizza slice & hot drink
- Mortgage rates are falling - should you fix?
- £35 four-litre Tower air fryer (normally £50)
- TWO pairs of branded prescription specs from £25
- Birthday FREEBIES, including Krispy Kreme/Greggs

Ask yourself a question... 'Am I a loser...?'

(Don't worry, we're talking mobile phones. If you're the type of person likely to lose or damage one, consider insurance - you can get it for just £55/year)

Martin is a loser. Don't worry, he admits it - over the years, he's misplaced or damaged keys, wallets and even phones when rushing from one place to another. And this self-knowledge is important. If you've never had so much as a scratch on your mobile since you first got one in 1996, insurance is likely a waste of money (though self-insuring by putting a bit of cash away just in case can be useful). But if you're the losing type, then having insurance in place can add up.

Around two-thirds of people in our Twitter poll don't have any insurance. For a decent chunk of those, that's likely a poor decision. Our Cheap mobile insurance guide has full info, but here are quick options:

Option 1: Cheap standalone insurance £55/yr to £70/yr (only for phones bought in last 3yrs). These policies all cover loss, theft and accidental damage. Prices depend on the handset, so get a few quotes, but they're a fraction of the cost of the mobile phone networks' own policies. Check speed of replacement if that counts for you - some are as quick as two days, but it can be a week or more with these providers. You'll usually pay a £30 to £100 excess per claim.

- Insurance2Go*. Get £10 off its 'full' cover with code 'MSE10'.
- Mobile Phone Insurance Direct*. Pay for 'premium' cover annually to get two months free.
- Switched On*. 'Ultimate' cover, using code 'IPHONE15OFFER' gets 10% off the iPhone 15s.
- Love It Cover It*. 'Premium' can be cheaper for older handsets, say, iPhone 11 or S20. 'SAVE10' gets 10% off.
Option 2: Cover from your phone network can cost up to £186/yr. If every minute without your phone counts, network cover is usually fastest, often delivering a replacement handset the next working day. Prices vary vastly, even within networks, depending on the handset, but typically cover for an iPhone 14 will cost £120 to £186, and excesses here are similar to the standalone cover, generally £30 to £150. See network-by-network insurance.
Option 3: FREE £175 to get £10/mth smartphone, travel & breakdown insurance. While they're called packaged bank accounts, we think of them more as insurance products, as you pay a monthly fee and get lots of insurance thrown in. And currently two of these accounts pay switchers free cash, which more than covers a year's costs. You usually needn't register your phone with these policies, though we'd suggest you do as it can speed up claims.

- Club Lloyds Silver*. FREE £175 to switch. You pay a £10/mth fee (min £2,000/mth must be paid in). The phone cover is for the account holder(s), so couples with a joint account both get covered. You also get Europe family travel insurance and UK AA roadside breakdown cover, plus a reward such as free Disney+. See full Lloyds Silver review.
- Nationwide FlexPlus. FREE £200, but higher £13/mth cost. It covers all the family's smartphones, plus gives worldwide family travel insurance and UK & EU breakdown cover. See full Nationwide FlexPlus review.
- Virgin Money Club M. Our top pick before the others offered free cash. It costs £12.50/mth, covers the family's phones and gadgets, plus gives worldwide family travel insurance and UK breakdown cover. See full Club M review.
Option 4: Phone home insurance. Yes, this is the E.T. option. Most home contents insurance covers handsets lost in a burglary or fire. Some let you pay extra to cover your phone for damage or loss/theft outside the home too. Check the excess on your contents policy - if it's high, you may need to pay for most of the claim yourself. And be aware a phone claim could add a whack to the cost of your home insurance at the next renewal.
Claim unfairly rejected? You've a right to go to the free Financial Ombudsman. All these policies are fully regulated, meaning if you claim and it's rejected unfairly in your view, you can make a formal complaint, and if it's still rejected, you can go to the free Financial Ombudsman for an independent adjudication.

Find out if you're eligible for a free flu jab - or how to get one for £9 if not. See free & cheap flu jabs.

Grüum five-piece skincare set £14 delivered (normally £50). MSE Blagged. 10,000 available. Grüum

Cheapest-ever iPhone 14 '£30/mth'. Newbies to Three can get an iPhone 14 (128GB) on a 24mth contract with 100GB data for £35 upfront, then £29/mth, via MobilePhonesDirect (so a total of £731 over the 2yrs, only £32 more than buying the handset outright from Apple). Note that MobilePhonesDirect is responsible for the handset, Three for the contract. Want a different handset? See Cheap Mobile Finder.

E.on Next customer on a low income & in energy debt? You could get bills HALVED. It's part of E.on's plans to help vulnerable customers this winter. See if you're eligible in E.on bill cut.

Christmas delivery / collection slots open for Asda, Ocado & more. You'll need to be quick though as demand's likely to be high. Check when your supermarket's slots open in our Christmas delivery round-up.

FREE audience tickets including Martin's show, Big Brother & The Graham Norton Show. If you fancy being part of the experience for these and more (though we think there's a clear highlight 😉), see free audience tickets.

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AT A GLANCE BEST BUYS

Longest 0%: Barclaycard (check eligibility / apply*) - up to 29mths 0%, 3.45% fee (24.9% rep APR)
No-fee 0%: NatWest (check eligibility / apply*) - 14mths 0% (24.9% rep APR)

£200 to switch + 8% regular saver: Nationwide
£150 to switch + up to £60 cashback: TSB

Top easy access: Ulster Bank 5.2%, min £5,000
Top one-year fix: NS&I 6.2%, min £500

Try our Compare+ Car Insurance tool

Cheapest for £5,000 to £7,499: AIB (NI) (apply), 5.6% rep APR
Cheapest for £7,500 to £15,000: AIB (NI) (apply), 5.6% rep APR

Standard (10Mb+): Shell Energy '£18.55/mth'
Fibre (30Mb+): Shell Energy '£18.83/mth'
Fast fibre (55Mb+): Shell Energy '£19.44/mth'
Superfast fibre (100Mb+): Vodafone '£22.05/mth'

On Universal Credit or similar? Check all discounted social tariffs

Up to 3GB data: Lebara, '£2.70/mth' for 3GB
4GB to 9GB data: Lebara, '£3.45/mth' for 5GB
10GB to 30GB data: Lebara, '£3.57/mth' for 12GB
31GB+ data: iD Mobile '£10.67/mth' for unlimited data

THIS WEEK'S POLL

Have you turned your heating on yet? As we creep into winter and energy bills remain extortionately high for many, we want to know if you've turned on your heating yet or whether you've decided to hold out for a little longer because of the high costs. Vote in this week's poll.

One in four MoneySavers have a specific savings pot to cover the cost of Christmas. With just over 80 days until Christmas, last week we asked how you were planning to pay for it - and how much you think you'd spend. More than 4,400 people voted - one in four (26%) have specific Christmas savings they'll use to cover gifts and food, while a similar number will dip into existing savings. The majority (56%) plan to spend less than £500 this year. See full results.

MSE NEWS

- Top story: Martin and MSE among organisations calling for energy social tariff
- EDF Energy to cut bills by £30 for some this winter

MONEY MORAL DILEMMA

Should I give my cheating ex his half of a council tax refund? I just received a letter saying I'm to be refunded £179 for overpaid council tax from 2016/17. I lived in that property with my now ex-boyfriend and we split the bill equally, though it was in my name. Since then he has cheated on me, which led to us breaking up and moving out. Would you let him know about the refund if you were in my situation, or would you keep it all? Enter the Money Moral Maze: Should I give cheating ex his council tax back? | Suggest a Money Moral Dilemma

What are you making for dinner? Share your MoneySaving meals
Fashion on the ration Limit clothing purchases like it's 1942
Shop charity in '23! Shout about your best charity shop finds
Decluttering campaign Banish physical, electronic & mental clutter

October grocery challenge Set a budget & stick to it
Sneaky ways to save the pennies Share & find MoneySaving hacks
Vegan store-cupboard challenge Use up food items
Foraging in '23 Mushrooms, berries, nuts - what do you forage?

MSE TEAM BLOG

- MSE Forum highlights: Romans, retirees & rent

MARTIN'S APPEARANCES (WED 4 OCT ONWARDS)

Wed 4 Oct - Ask Martin Lewis, BBC Radio 5 Live, 1pm
Tue 10 Oct - This Morning, phone-in, ITV1, 10.20am
Tue 10 Oct - The Martin Lewis Money Show Live - mental health special, ITV1, 8pm

THE SHAWSHANK REDUCTION AND LIDL WOMEN - MAKE YOUR FAVOURITE MOVIE MONEYSAVING

That's all for this week, but before we go... We asked our social followers to give their favourite movies a MoneySaving makeover and we got some masterpieces back, including the Discount of Monte Cristo, Saveheart, The Shawshank Reduction, The Frugal Suspects and probably our favourite Tightanic. And this clever bunch found ways to cram money brands in too, with The Woolworth of Wall Street, Once Upon a Time in the NatWest, Lidl Women, Much Aldi about Lidl, and Saving Private Ryanair. Let us know your MoneySaving masterpieces in our Facebook, Twitter and Threads conversations.

We hope you save some money,
The MSE team

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