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DON'T believe the fake ads on Facebook |
New. BREXIT guide: how it impacts mortgages, flights, savings, your rights & more - facts when there are facts & Martin's analysis when there aren't The once-in-a-generation event that is Brexit is (likely) coming and it's been (another) crunch week in the negotiations. Sadly, right now the only thing that's really certain about it is the uncertainty. We've been swamped with questions about the impact on your finances and future. So today, with 135 days to go until B-Day (29 March) we launch our major new 25 Brexit need-to-knows, where we explain what we know and Martin analyses what it means for you. We'll regularly update this guide as things change - here are its key sections: The economy - house prices, mortgages, savings etc. This is a complex web of interest rates, exchange rates & public policy. Find out how Brexit's likely to change house prices, savings & more. Flights, and the impact on Easter hols. If there's no deal, some worry planes will be grounded on B-Day itself. See full info, plus what's happening to flight delay compensation, in Brexit flight need-to-knows. Other travel - insurance, EHICs, mobile roaming, visas & more. Brexit could have a major impact on travel to Europe in the long term too, with lots set to change. See Brexit travel help. Consumer rights and financial security. See what's happening to £85,000 per person savings protection, European banks, mortgage prisoners & more in Brexit consumer rights. |
It's back. The Christmas Deals Predictor, incl Asos, Boots, Disney, M&S etc. Put your crystal ball away as our festive forecaster returns. It estimates the week and saving on 60+ deals we think are coming from many biggies. Last year, we got it 93% right. See our Christmas Deals Predictor. Martin's new FREE financial education textbook for teens (or grown-ups). 340,000 copies of the first-ever curriculum-mapped textbook arrived in schools last week - funded by our Martin. And it's available as a free 150 page PDF download for anyone who wants it, click the link for full info. Many grown-ups are learning from it too. New. Easy-access savings battle, as the Post Office wades in at 1.45%. Finally a big name has responded to Marcus Bank*, which is the top payer at 1.5% AER variable (incl a fixed 0.15% bonus for 1yr). The Post Office* now pays only a slightly lower 1.45% AER variable (incl a fixed 1.2% bonus for 1yr) - its best easy-access rate since late 2015. With both, you can save from £1+. Full info and more options in Top Savings Accounts. Ends Sun. Nectar double-up at Sainsbury's. Incl toys, clothes & electricals. Full help: Double Nectar. TWO pairs of prescription glasses £15. MSE Blagged. Free delivery. Ends Sun. Spec-tacular Get 18 consecutive days off in 2019 for just 9 days' annual leave. See MSE Jordon's holiday hack blog. |
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New. Loan price war - cheapest EVER rate, 2.7% If you NEED to borrow, it's a cheap time, with £3,000 - £15,000 loans at or near all-time lows You may think we've written that before. Indeed we have, but there's a new rate for borrowing £7,500-£15,000 which is now joint cheapest. What's interesting about it is that it's more flexible than the previous sole frontrunner, as you can repay in up to five years. Whether you should get it is up for debate, so let us explain. But some key points first: - Should you get a loan? We're not saying do it as it's cheap. Only apply if you NEED one (eg, your car is a wreck), you've budgeted for it and can afford repayments. If in doubt, don't risk it. New. Cheapest EVER loans for £7,500 to £15,000. Admiral* last week joined Sainsbury's Bank* (needs a Nectar card) in charging 2.7% rep APR, but while Sainsbury's only lets you spread that loan over 1-3yrs, with Admiral it's 1-5yrs. Lowest rates from £1,000-£7,499. At lower levels, here are the top picks. All are for 1-5yrs. Loan Golden Rules. Full info & options in Cheap Personal Loans (APR Examples). |
Got an official offer to settle a student loan at half-price? Martin says most should NOT do it. See full analysis. Super-cheap Easyjet flights for Sep-Oct 2019, incl half-term. But you need to be quick. Cheap Easyjet £10 HAMILTON TICKETS - SUCCESS OF THE WEEK: "I wanted to say a massive thanks for the cheap theatre tickets I got. I used the lottery link in last week's email for HAMILTON. I got front row seats to an amazing show for £10."(Send us yours on this or any topic) Ted Baker rare 30% off code. MSE Blagged. 30% off full price or 10% off its outlet + free del, ends Thu. Ted Baker Kurt Geiger shoes from £7ish via code. MSE Blagged. 25% off everything in online outlet, incl Uggs. Shoeaholics £3 for 10 personalised photo cards (good for Christmas). MSE Blagged. See Photobox deal. |
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AT A GLANCE BEST BUYS
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The secret to bagging top deals is to pounce on short-lived promos. And with so many about, now is a great time, so it's worth comparing the offers below to what you pay. Many fork out a huge £40/mth+ for b'band & line, which is £480/yr+, so switching can save £300+. Bizarrely, all current top deals END THU. There's a flash price war, so check NOW. While BT often doesn't engage in these battles, it's got its cheapest fibre since Nov 2017 - but sadly, as with most top offers, it's for new customers only. As all b'band deals are postcode-dependent, links go via our Broadband Unbundled tool to check if you can get 'em.
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New. Virgin Atlantic credit card - get 10,000 bonus miles for normal spending (enough for one-way to NYC, though you pay taxes). New customers who spend £1,000 in 90 days on its fee-free card get that bonus. With its £160/yr fee card, you get 25,000 miles if you spend £1,500 in 90 days. Both come with other perks such as companion tickets. Full analysis in Airline Credit Cards, incl how they compare with British Airways cards & more. Have you used Coverwise, Holidaysafe, Insure and Go or other cheap travel insurers? We want to know how no-frills, cheap travel insurance worked for you. Please take our 3min travel insurance survey. |
CAMPAIGN OF THE WEEK Break a taboo for Talk Money Week. A key part of financial well-being is having those conversations about money you've been meaning to (or have been avoiding). Why not make a pledge to tackle that talk this week? Support others and share your stories in our Talk Money Week forum hub, with daily discussions and other helpful resources. |
THIS WEEK'S POLL Have you haggled on the high street in the last year? Haggling isn't just for call centres and market stalls, some even do it at high street chains. If you have, have you succeeded? Whether it's asking 'em to throw in some extras or negotiating a discount, have you haggled on the high street in the last year? MoneySavers are savvy when it comes to car insurance sites. Last week, we asked how many comparison sites you check when renewing your car insurance. The full results show that most of you follow our tips to use multiple sites, with women over 55 doing the most comprehensive checks and only a tiny fraction leaving it to auto-renew. |
MONEY MORAL DILEMMA Should I tell my partner about my savings? My live-in partner and I have shared finances and split everything equally. But I have a private savings account they don't know about, with £1,000s stashed away. Should I tell them about it? Enter the Money Moral Maze: Should I tell my partner about my savings? | Suggest an MMD | View past MMDs THE QUICKIES - Debt-Free Wannabe chat of the week: November "Bring your lunch to work" challenge |
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MARTIN'S APPEARANCES (WED 14 NOV ONWARDS) Thu 15 Nov - Good Morning Britain, ITV, Deals of the Week, 7.40am MSE TEAM APPEARANCES (MOST SUBJECTS TBC) Wed 14 Nov - BBC Radio Cumbria, Money Talks with Ben Maeder, from 6pm |
QUESTION OF THE WEEK Q: I've got £1,000 on a credit card and am paying 20% interest. Is there a way I can pay less? Amy, via email. MSE Rosie's A: There is indeed. What you probably want is a balance transfer card - a new credit card which pays off your existing card for you, so you owe it instead, but at 0% interest. You can currently get up to 33 months 0% with a small fee, which would save you around £260 in interest if you cleared it within the 0% period. Use our balance transfer eligibility calculator to see which cards you've the best chance of being accepted for. Full info and more options in our Balance Transfers guide. Please suggest a question of the week (we can't reply to individual emails). |
BRUSSELS SPROUTS WITH... MARMITE?!? That's all for this week, but before we go... this week Iceland unveiled the ultimate love-it-or-hate-it food combo for Christmas dinner, 'Marmite sprouts'. Predictably, MoneySavers' feedback has been fiercely divided - one was adamant "these are an essential purchase", another insisted they are "two of the most horrid foods I know of". So is this the best pairing since beans on toast or a festive disaster waiting to happen? Have your say on our Sprouts & Marmite Facebook post. We hope you save some money, |
Important. Please read how MoneySavingExpert.com worksWe think it's important you understand the strengths and limitations of this email and the site. We're a journalistic website, and aim to provide the best MoneySaving guides, tips, tools and techniques - but can't promise to be perfect, so do note you use the information at your own risk and we can't accept liability if things go wrong. What you need to know This info does not constitute financial advice, always do your own research on top to ensure it's right for your specific circumstances - and remember we focus on rates not service. We don't as a general policy investigate the solvency of companies mentioned, how likely they are to go bust, but there is a risk any company can struggle and it's rarely made public until it's too late (see the Section 75 guide for protection tips). We often link to other websites, but can't be responsible for their content. Always remember anyone can post on the MSE forums, so it can be very different from our opinion. Please read the Full Terms & Conditions, Privacy Policy, How This Site is Financed and Editorial Code. Martin Lewis is a registered trade mark belonging to Martin S Lewis. More about MoneySavingExpert and Martin LewisWhat is MoneySavingExpert.com? Who is Martin Lewis? What do the links with an * mean?Any links with an * by them are affiliated, which means get a product via this link and a contribution may be made to MoneySavingExpert.com, which helps it stay free to use. You shouldn't notice any difference; the links don't impact the products at all and the editorial line (the things we write) isn't changed due to them. If it isn't possible to get an affiliate link for the best product, it's still included in the same way. More info: See How This Site is Financed. As we believe transparency is important, we're including the following 'un-affiliated' web-addresses for content too: Unaffiliated web-addresses for links in this email marcus.co.uk, postoffice.co.uk, admiral.com, sainsburysbank.co.uk, secure.ybonline.co.uk, zopa.com, bank.marksandspencer.com, santander.co.uk, moneysupermarket.com, confused.com, gocompare.com, comparethemarket.com, aviva.co.uk Financial Conduct Authority (FCA) Note MoneySupermarket.com Financial Group Limited is authorised and regulated by the Financial Conduct Authority (FRN: 303190). MoneySavingExpert.com Ltd is a company registered in England and Wales. Company Registration Number: 8021764. Registered office: One Dean Street, London, W1D 3RB. MoneySavingExpert.com Limited is an appointed representative of MoneySupermarket.com Financial Group Limited. To change your email or stop receiving the weekly tips (unsubscribe): Go to: www.moneysavingexpert.com/tips. |
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