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| DON'T believe the fake 'Martin Lewis' or 'MSE' ads |
| New. 132Mb fast fibre broadband & line '£21/mth'. Millions pay double that - check if you can switch & save £100s/yr If you're one of the seven million households out of contract on your broadband, you're likely overpaying and could save up to £280/yr. Add up how much you pay a month and compare it to the current slew of short-lived promo deals - we've rounded up the best widely-available ones below, including a fast 132Mb fibre deal that's cheaper than the current top deal offering half the speed. What's available to you depends on where you live, so check using our new and improved Broadband comparison tool, which gives deals and speeds tailored to your specific address.
Don't want to switch? Haggle. If you're out of contract and free to move, you're in a powerful position to haggle. In our December poll, the vast majority of those who'd haggled with the big broadband firms were successful. Use the deals above as a benchmark to help you get your costs down. Not sure how? Read full Broadband haggling tips. Slow broadband? Test your speed - is it the Wi-Fi or the connection? Do a broadband speed check - first when using Wi-Fi, then by plugging your device into the router (if you can). If Wi-Fi's a lot slower, try our eight speed-boosters. At least 50% of customers must get the advertised speeds at peak times. The providers above also tell you the estimated max speed you're likely to get before you sign up. Switching usually only means about two hours of downtime - whether an engineer comes depends on what you're getting. You'll be told the switch time, and most don't need an engineer to set up. There are exceptions to this - if you're moving to/from Virgin you may need one (you're told before applying). Plus if you're getting fibre to the premises (FTTP), as is common for much faster broadband, they may need to send someone to look at the externals of the home. Members of cashback sites can sometimes undercut deals. In some cases, the cashback can mean these sites undercut promos elsewhere, though sometimes the deal differs - so check carefully. More in Top cashback sites. | ||||||||||||
| 2 pizzas + Ben & Jerry's + Amazon Prime Video rental for £5. Via £1 Co-op member card. Cheap night in Reminder. Bag £25 cash on top 20mth 0% spending card. Apply via our links and accepted HSBC 20mth 0% purchases card newbies get £25 cashback if spending £100+ within 60 days. So you could just pay it off IN FULL for the cashback, though as this is a top 0% card, if you NEED to borrow, this is the cheapest way - used right, there's no interest (if you're pre-approved in our eligibility calc, you'll get 20mths 0%, otherwise you could get 15mths). Golden rules: 1) Always pay at least the monthly minimum. 2) Clear the debt before the 0% ends or it's 24.9% rep APR. Full options in 0% spending cards. Received car finance mis-selling compensation out of the blue? It DOESN'T stop you making a 'discretionary commission' claim. Full details in mystery car finance payouts. Ex-high-street dresses, shoes & more from £1 in 'up to 90% off' Everything5pounds sale. The site sells a mix of ex-high-street & non-branded items, and it's having a big warehouse clearance with 1,000s of mega-cheap items. We've blagged a free delivery code (normally from £4). Everything5pounds clearance Are you one of 55,000 widows/widowers owed £650m in underpaid state pension? If you lost a spouse/civil partner who reached state pension age or died before 6 April 2016, you could be owed. Full details in missing state pension. New. Top 5.16% 1yr fix + £100 cashback (if saving £10k+). Newbies to savings marketplace Raisin - which lets you save and move money via different banks after filling in just one form - can get £100 cashback with code OFFER100 if saving £10,000+. At 5.16%, its top 1yr fix from Mizrahi-Tefahot Bank's is currently the best rate in the market, though its top easy-access account is Monument's 4.91%, which can be beaten by Trading 212's 5.2%* cash ISA. Full info in our Raisin write-up. Chase cuts savings rates - should you ditch and switch? Its hugely popular 'boosted saver' now pays 4.85% (down from 5.1%). See how it compares in Chase savings analysis. New. 100GB Sim price war - cheapest now '£5.90/mth'. There's a mini-price war going on for 100GB Sims, with prices falling to the lowest we've seen for the third week in a row. Newbies to iD Mobile (uses Three's network) pay £5/mth for the first 3mths, then £10/mth for the remaining 9mths, plus you can CLAIM a £35 Amazon or Currys voucher. Factored in, it's equivalent to £5.84/mth over the 12mth contract. Want a different network? Use our Cheap Mobile Finder. |
| 'I found a £62,000 lost pension - thank you' There can't be many more (potentially) profitable ways to spend an hour or two than checking if you've got any lost pensions. Nearly three million are thought to have gone astray, worth an average of £23,000 each (but sometimes into the £100,000s). And when you add in the money sat lost in bank accounts, savings and investments, there's an estimated £82 BILLION or so waiting to be claimed. Full info on how to check whether any of it's yours in Find lost accounts, but in brief... The biggest payouts are usually from old private or company pensions & investments. For pensions, contacting ex-employers and digging out old paperwork is the best first step, but if that isn't possible or doesn't get you anywhere, all's not lost. The Government's Pension Tracing Service tool has up-to-date contact details for 100,000s of different pension schemes.It's a little effort but can really be worth it, as Deborah's email shows: "I've been having a major sort-out recently and among my husband's paperwork, I found information about a very old pension from 1998 and four addresses ago... before we were even married. He couldn't remember having it, or if he'd cashed it in at some point. We used your advice about tracing a lost pension, and today a letter arrived confirming he has a pension pot of £61,700 that he didn't know he had! So a big thank you! That will make a big difference to our retirement!" See how to find old pensions for more. For non-pension-based investments, there are a number of different routes - see how to reclaim old investment trusts, unit trusts and insurance policies, which includes info on Gretel, a new-ish free site that searches an array of pension, investment, insurance and bank account providers to check for lost cash. Premium Bonds, current & savings accounts - up to £4.5 billion's waiting to be claimed. Just use the free one-stop service My Lost Account, set up by the bank & building society trade associations. Sign up, fill in the form with details and past addresses, and it'll zip them off to any of 30+ banks, 42 building societies and National Savings & Investments (NS&I, National Savings as was) where you think you may have had an account. If you did, it'll usually let you know by email or letter. Find deceased relatives' lost assets too. If a family member has died and you're responsible for their estate, or you're the beneficiary, you may be able to reclaim that person's lost cash too. You'll need to put their name (as the account holder) on the search forms. If anything's found, you'll need the will as proof it's due to go to you. See how to recover deceased relatives' assets. |
| New. Amazon launches reward credit card - is it worth getting? The Amazon Barclaycard pays up to 2% Amazon credit when you use it at the online retail giant's site, plus other perks - but it can be beaten. See our Amazon card verdict. £107 skincare set from I Am Proud for £35. MSE Blagged. 10-piece set includes vitamin C serum (mimicking £70 Sunday Riley's), shampoo/conditioner, toner & more beauty dupes. I Am Proud Updated. Top student bank accounts 2024/25... incl £1,500 0% overdraft and 4yr railcard. Scottish results were out last week, and it's A-level results day on Thu, so we've updated our top-pick student bank accounts - see which give the biggest overdraft, cashback and railcards. Full info and options in Top student accounts. Can you really get paid to walk using free apps? Earn cinema tickets, gift vouchers and more for steps and other activities - but how easy is it to claim these rewards? Step to it Important. Child turned 16 & in full-time education or training? Act NOW to avoid losing Child Benefit. To keep getting your payments, contact HM Revenue & Customs by Sat 31 Aug. See Child Benefit when my child turns 16? |
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| AT A GLANCE BEST BUYS
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| THIS WEEK'S POLL How do you pay for car insurance? September is a peak month for car insurance renewals, so this week, we want to know how you pay for cover - and how much you pay each year. Vote in this week's poll. Almost half of MoneySavers have £50,000+ in cash savings. Last week, we asked you about how much money you held in cash savings - almost 10,000 of you responded. More than 45% have more than £50,000 saved, with almost half (48%) holding the majority of their savings in one or more cash ISA. See the full poll results. |
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| MONEY MORAL DILEMMA I resold a dress I bought in a charity shop - should I share some of my profits with them? I bought three dresses from a charity shop for £30 each - they're all from a high-street brand, each retailing at £80 to £100. I later decided the colour of one of them wasn't right on me, so I listed it on a clothes marketplace app. I got £60 for it - a whopping £30 profit. Now I'm wondering whether I should give some of the money I made back to the shop I got the dress from? Or is it enough to make sure I shop there again in future to help them out? Enter the Money Moral Maze: I resold a dress I bought in a charity shop - should I share some of my profits with them? | Suggest a Money Moral Dilemma (MMD) | View past MMDs |
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