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| DON'T believe the fake ads on Facebook |
| New. Trick to get 2.15% 1yr fixed savings + 1.5% easy access Do your savings earn a pittance? If so, sort it NOW as easy-access rates haven't been higher in almost 3yrs, and now four providers offer the top 1.5% rate. Plus, there's a new top deal on 1yr fixed savings if you've £10k+. All below have £85,000 UK savings protection... Top 1.5% easy access. With easy-access accounts, you can add money when you want and withdraw cash with no notice. The top pick is Marcus Bank* (min £1) - a UK arm of US giant Goldman Sachs - at 1.5%. It has been joined at the same rate by Kent Reliance, but that has a higher minimum of £1,000. There are now a couple more paying 1.5% with restrictions, as well as the good old Post Office* (min £1) at 1.45%. More info and the full raft of deals in top easy-access savings.All these accounts are AER variable rates, and some include one-year bonuses, so ensure you regularly check the rate and if it drops, ditch and switch. New. Trick to get 2.15% 1yr fix on £10,000 or easy way to get 2.05% from £50. If you're prepared to lock your money away without access, fixed-rate savings pay more, and unlike easy access, the rate is locked in. Get up to 5% on smaller sums. Here are more ways to spice up your savings: |
| Trick gets £41 of No7 beauty products for £12. Incl eye shadow, mascara & eyeliner. No7 beauty New. Get £110 cashback on £1,000+ Ratesetter 3%-ish investment. Peer-to-peer investing isn't saving, as this is not risk-free, so it's not for everyone. Yet if you are going to do it, our special link gives the first 5,000 newbies an 11% head start on £1k. Full explanation and pros and cons in Peer-to-peer lending. Heads up: £30 Soap & Glory 'Bubble Act' body care set (norm £60). The one many wait for. 'Star Gift' incl body butter, face mask & mascara. Soap & Glory. We correctly predicted it'd be this week - see more Christmas deals predictions. 'How I collected £7,000 of Nectar points'. See the story of one dad-of-four's Nectar bonanza. 10p/litre off Morrisons petrol & diesel deal. Useful as prices are close to 4yr highs. See Cheap Petrol. Martin: '100,000 attempt debt suicide each year - stop the debt threats.' New authoritative research by the Money & Mental Health Policy Institute charity (founded by Martin) is frightening reading, as the number of people in debt who attempt suicide is huge. And as Martin says: "The law doesn't just allow companies to use intimidating language when collecting debts, it near forces them to do so." It's calling on people to sign a petition for change, see Stop the debt threats. |
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| You've got to fight, for your right... to beat unfair parking fines Parking tickets are as welcome as pre-Christmas colds, but recent figures for council tickets show an 8% annual drop in the number of motorists who fought all the way to the independent adjudicator. However of those who did, the majority - 56% - WON. The threat of parking tickets stops people wrongly blocking roads and annoying us all, so if they're fair, pay 'em. Yet sometimes they're unfair - eg, due to poor signage, faded markings or human error. If so, here's how to fight back. How to spot the difference between council and private tickets - it's crucial. Official parking fines from councils are usually called 'Penalty Charge Notices'. Yet as you can see below, tickets from private firms such as those that manage car parks at supermarkets or retail outlets do better impressions than Alistair McGowan. They're NOT A FINE, JUST AN INVOICE. See how to spot Public vs Private parking tickets.Got an unfair ticket? Become a modern-day Sherlock Holmes to help beat them. Whether your ticket's official or private, be a detective extraordinaire and gather as much evidence as possible, as soon as possible - it's often about poor signage, so photos are key. Also, gather witness statements and save key documents. See full evidence help. Then what you do depends on the type of ticket. - Official council ticket? You must either pay them or appeal. First appeal to the council and, if that fails, there are independent tribunals that can hear your case. For full help and free template letters, see how to appeal council parking fines (and it'll help with police-issued tickets too). - Private parking firm ticket? As they're invoices, some militant campaigners suggest ignoring tickets as private firms may not want to go to court to enforce them - but you could lose if they do, while any judge may not be impressed at a lack of response. The safer route is to fight it. Full help and free template letters in fight private parking tickets. |
| Warning. Lloyds, Halifax & Bank of Scotland to hike overdraft fees for millions. Some will pay £100+/yr more from next year. See full Lloyds overdraft hikes info & what to do. Ends today (Wed). FREE Amazon standard delivery. On all items it dispatches. Free Amazon delivery Vodafone mobile customer? Get a pair of Odeon tickets for £7 every week. See cinema deal. Ends Sun. Airport lounge access from £15. Blagged code gets up to 40% off, eg, Birmingham (£17-£28), Edinburgh (£16-£21), Gatwick (£15-£32) and Heathrow (£20-£36). Use by end of 2019. See Cheap Airport Lounges. Get all your money back on one in 10 transactions at Boots, M&S, Tui & more. MSE Blagged. It's a little complex, but quite fun, so click to read how Boom25's boost or bust offer works. Last chance. Free letter from Santa. Post kids' wishlists ASAP to get a reply from Santa. Plus, how to get a free personalised Santa video. |
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| AT A GLANCE BEST BUYS
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| 'I saved £500 by switching home insurance for first time in 13yrs' Loyalty rarely pays. Our cost-cutting system helps smash your renewal quote, incl hidden deals We often shout from the rooftops about how to save on your home insurance, and we want to celebrate a huge success using our system, but one that also shows the danger of staying loyal. Here's Gregor's story: "Thank you for saving me £499 on my home insurance this year by switching. I was loyal to one company for 13yrs+ and we never gave it much thought till we read your tips." Our Cheap Home Insurance guide has full info on how you too can save, here are the foundations... NEVER auto-renew. Instead COMBINE comparisons to scour 100s of insurers in mins. They don't search identical insurers, nor give identical prices, plus they can offer special deals with different insurers.So combine them three weeks ahead, as that's when our research shows it's typically cheapest. Our current order's MoneySupermarket*, Compare The Market*, Gocompare* and Confused.com*. See how we rank them. Then check HOT deals that comparisons miss, eg, £75 Amazon gift card. Check prices from Aviva* and Direct Line* as they're not listed on comparisons and can be competitive. Also check these deals we've blagged on combined buildings and contents insurance (vouchers can take up to 120 days to arrive) - with full help in home insurance promos: - £75 Amazon gift card via this Age Co* link. - £40 Amazon voucher via these Direct Line* or Churchill* links. - £40 Amazon gift card via the Leisure Guard* link. Struggle to get cover, eg, you're prone to flooding? There's full help in our home insurance struggles section. Home insurance need-to-knows: - Buildings insurance is usually only for freeholders, contents insurance for all. - Many wrongly insure their home's value. Instead use a calc for the rebuild cost if it were knocked down, and cover that. - Don't underinsure contents, thinking you'll never claim it all - you may not get a full payout. You may also be able to haggle your price or get cashback - full help in our Cheap Home Insurance guide. |
| TV LICENCE RECLAIM - SUCCESS OF THE WEEK: 40% extra off Hot Diamonds outlet code, eg, £15 earrings (were £50). MSE Blagged. £5 delivery. Hot Diamonds |
| CAMPAIGN OF THE WEEK Help those who can't afford the essentials this Christmas with a reverse Advent calendar. Rather than take something out of a box for 24 days, put food, drink and toiletries in one and take it to your local food bank. And for inspiration there's a big reverse Advent calendar for food banks campaign going now. |
| THIS WEEK'S POLL How much of your Christmas shopping have you now done? We've now fewer than three weeks to go until the big day. So are you a Christmas pre-planner or do you leave it until the last minute? How much of your Christmas shopping have you done so far? Most of you WOULD cancel Christmas if given the choice. Last week, we asked if you had a CANCEL CHRISTMAS button that'd make the whole thing disappear, would you press it? More than 13,500 voted - and a whopping 58% of you would. Only parents of school-age or younger kids disagreed - and even then, 37% of mums and 40% of dads would prefer to give Santa the boot. Bah humbug. See a full breakdown in the Cancel Xmas poll results. |
| MONEY MORAL DILEMMA How much should my boyfriend contribute to the flat? My housemate owns our flat and it's just the two of us living there now, but she's allowing my boyfriend to move in. How much is fair to add to the rent, considering we're taking up the same amount of space and it's only the bills going up? Enter the Money Moral Maze: How much should my boyfriend contribute to the flat? | Suggest an MMD | View past MMDs THE QUICKIES - Debt-Free Wannabe chat of the week: What did you do to get into debt? |
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| MARTIN'S APPEARANCES (WED 5 DEC ONWARDS) Thu 6 Dec - Good Morning Britain, ITV, Deals of the Week, 7.40am MSE TEAM APPEARANCES (MOST SUBJECTS TBC) Wed 5 Dec - BBC Radio Cumbria, Money Talks with Ben Maeder, from 6pm, how to save money on train fares |
| QUESTION OF THE WEEK Q: My car was damaged by a pothole, and I've spent over £300 on repairs. How do I go about claiming for the damage? Jakub, via email. MSE Kelvin's A: Oof. You may be able to claim - some MoneySavers have got £100s back. But it depends on whether the road has been maintained properly by the local authority. If, say, a kitchen sink falls out of a van, causes a pothole and minutes later you hit it, you've no right to claim as there's nothing the authority could reasonably have done. But if it's been negligent, you may be able to as it has a legal duty to maintain the roads so they're safe to use. If you're eligible to claim, gather evidence - if it's safe to do so, measure the pothole and take photos, and keep a record of the damage and cost of repairs. See our Pothole Claims guide for step-by-step help. Please suggest a question of the week (we can't reply to individual emails). |
| CHRISTMAS LIGHTS GRIPES That's all for this week, but before we go... Christmas lights are now up and twinkling in town centres, but this year some high street celebrations have left shoppers a little underwhelmed. One Christmas parade reportedly consisted of just three floats, while elsewhere the brave decision to go with a 'Christmas owl' instead of the usual tree backfired. Other places have gone all-out though, including the pub which has covered itself in 95 trees. So has your local display disappointed... or brightened up your night? Let us know - and send us your pics - in our Xmas lights forum thread. 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 billmonitor.com; idmobile.co.uk; smarty.co.uk; mobiles.co.uk; mobilephonechecker.co.uk; sellmymobile.com; comparemymobile.com; marcus.co.uk; postoffice.co.uk, santander.co.uk; moneysupermarket.com; confused.com; gocompare.com; comparethemarket.com; directline.com; aviva.co.uk; sainsburysbank.co.uk; admiral.com; ageco.co.uk; churchilltreat.co.uk; leisureguardinsurance.com; 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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