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Saved cash? Shout it from the rooftops.If this email's ever helped you, please forward it to friends and suggest they get it via moneysavingexpert.com/tips |
New. TSB triple deal: Free £130 + free £10/mth + 3% interest New switchers can get up to £210 free cash as another bank joins the battle for your custom Another week, another salvo in the bank switching price war. This week, well-regarded bank TSB's brought back its big deal to lure you in. Good news, as the £250 Clydesdale/Yorkshire/B deal we told you about last week ended within days. Switching's simple, taking just seven working days. The new bank closes your old account and moves all direct debits, payments and standing orders. Here's how TSB's deal stacks up... New. TSB free £130 + £10/mth + 3% interest. New switchers via this TSB Classic Plus* link get £130 (nowt if you app ly direct). Plus till next Jun you'll get £5/mth if you have 2 direct debits that pay out every month + £5 every month you make 20+ debit card payments (incl contactless), meaning you can get £210 all in. You also get 3% AER variable interest on up to £1,500. What's more, TSB has good customer service in our latest poll.- How do I get it? Pay in £500+/mth (just normal salary for most, and you can take it out the next day), switch 2+ active direct debits, register for online banking and go paperless. Important: Allow cookies in your browser or the offer mightn't track. Free £200 + linked 5% savings. Switchers to HSBC Advance* get £150 for switching + £50 if still with it after a year as long as you've not had one of its current accounts since 2015. You get access to a linked 5% regular savings account where you can put up to £250/mth for 1yr. It has ok customer service in our latest poll. Apply online, then call or go to a branch within 30 days to start the switch. You must pay in £1,750+/mth, switch 2+ direct debits/standing orders and register for online banking within 60 days. Free £125 + no.1 service + linked 5% savings. New switchers using this First Direct* link get £125 (£100 direct), and in our latest poll 90% rated its service as 'great'. You can save up to £300/mth for 1yr in its linked 5% fixed regular saver, and some get a £250 0% overdraft. Pay in £1,000 within 3mths to get the bonus, then £1,000/mth to avoid the £10/mth fee. Free £125 M&S gift card + £5/mth + linked 5% savings. New M&S Bank* switchers get a £125 M&S gift card and access to a 5% linked regular saver in which they can put up to £250/mth for 1yr. Also, pay in £1,000+/mth and you get £5/mth extra added to the card for the first year. To get it all, switch and keep 2+ active direct debits. You'll be credit-checked for all when you apply. Full rundown and other options in our Best Bank Accounts guide. |
Time to ditch Santander 123? Now it's YES for most. According to Martin's new Santander 123 analysis. Dyson FLASH 20% off refurbished vacuums code. 25+ models, eg, V6 cordless vacuum £144 (norm £180, cheapest new £189). Ends Thu. Dyson code 1,000 FREE £15ish radiator heat reflector packs. MSE Blagged. Help make up to four rads more efficient, hopefully saving money. Pimp your rads Roaming warning: 'I was charged £8,000 for 40 mins' data in Europe.' How to avoid a roaming bill shock. Ends Thu. Fast BT fibre broadband & line '£18/mth' for 1yr. We show you how to get it in new BT deal. Will Aid now on - go quick if you want help. Nov's Will Aid month, letting anyone get a solicitor-drafted will for a suggested £95 charity donation (cheaper than most solicitors, who often charge about £150). But places go fast, so book now. See full Will Aid info. Plus we've blagged codes for half-price Which? wills and £50 off Co-op wills. |
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Car insurance price hikes: Up 10% in 12mths. Act NOW to slash costs According to new figures, for the second year in a row we've seen double-digit car insurance cost hikes... but you can fight back. The message we've shouted for years is NEVER auto-renew as insurers usually exploit existing customers with sky-high quotes. By using the tips in our Cheap Car Insurance guide, many save £100s. Here's the key info... Not at renewal yet? You can still cut costs now. How depends on how far away you are.(i) Renewal in next 2mths? Some insurers give quotes valid for 45-60 days, so get one now and use it if it's cheapest at renewal. If not, ignore it. These include Aviva*, Morethan* and Quotemehappy - see insurers with lock-in quotes. (ii) Renewal further away? Use the info below to find your cheapest. If it's much cheaper than your current premium and you haven't claimed, for a £50ish admin fee you can usually cancel your policy, get the rest of the year refunded (you won't earn the year's no-claims bonus) and get the new deal. See full switching mid-policy info. At renewal? Combine comparison sites to find your cheapest at speed. They don't cover the same insurers, so use more than one to get a wider spread. Gill emailed: "My renewal was £755. After following your comparison sites order I got it down to £348. Thank you." Our current order's MoneySupermarket*, Confused.com*, Gocompare* and Compare The Market* (why? See comparison order). Check hot deals comparisons miss, incl free Amazon voucher. Some aren't on comparisons, eg, Age UK offers a £55 Amazon vch from today (Wed). Plus, big insurers Aviva* and Direct Line* are never listed on comparisons. See hot deals comparisons miss. Try counter-logical tricks. Full info in Cheap Car Insurance, here are the key ones... - Use trial & error to check if comprehensive is cheaper than 3rd party. - Can you save by tweaking your job title? Ratatatat did: "Went from accountant to auditor - I'm both. Saved £60." - Adding responsible extra drivers, if they're low risk, can save you cash. As @t0mking tweeted: "I did it, saved £700. I'm gobsmacked, thanks." |
The top 10 Christmas toys 2017 (according to Hamleys) - where to find 'em cheapest. Incl Hatchimals & Lego Star Wars. Christmas toys |
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AT A GLANCE BEST BUYS
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Free KFC, doughnuts, coffee or even get PAID to eat You really can get a free lunch. So fill your boots (and your stomach) with our top tips to use at fast food joints, cafés, restaurants, supermarkets and more in our new guide on how to get free or cheap food. Here are five to whet your appetite... Get PAID to eat by going undercover as a mystery diner. No need for secret cameras or camouflage. Restaurants such as Giraffe, Wagamama and Leon need guinea pigs to test their service. You usually get back what you spent and sometimes a little more - though spaces are limited. MSE Ant had great success: "In one busy month, I managed to scof f more than £100's worth of free grub at high street chains." Become a mystery dinerFree KFC, GBK fries, Subway sandwich and more via apps. They offer freebies to get you through the door, yet often you don't need to spend anything to get the freebie. Fast-food apps Three courses for a fiver. Even Gordon Ramsay had to start somewhere. Training restaurants at colleges and universities are keen for students to practise on real customers - so you'll often get top-quality food and service for bargain prices. We saw a three-course lunch for just £5. Visit a training restaurant Bag free doughnuts, cupcakes & more on your birthday. Just sign up to free newsletters or loyalty cards to bag a host of treats. Best birthday freebies Free tea or coffee while you shop. If you need a regular caffeine fix, Booths and Ikea loyalty cards let you grab a free hot drink every day; at Waitrose you need to buy something (no min spend). Free hot drinks |
Started uni in or after 1998 and began repaying your loan in 2002-2006? Your loan's being sold. The Government insists there'll be no change to the way or amount you repay though - see our full Student loan sale Q&A. SUCCESS OF THE WEEK: (Send us yours on this or any topic) 2for1 Ideal Home Show at Christmas tix (Ldn & Manc). If you missed the freebies last month, we've 2for1s for London (22-26 Nov) and Manchester (9-12 Nov). Ideal Home Show |
CAMPAIGN OF THE WEEK Are hotel sites really unlocking great deals? The competition watchdog's investigating hotel-booking sites. Is the info you see when searching for a room clear enough? Do you know why certain hotels are recommended, how much you're saving, and are extra charges easy to spot? Let the Competition and Markets Authority know what you think in this short survey. |
THIS WEEK'S POLL How often do you use cheques? A new cheque clearing system starts to roll out this week which means cheques will clear no later than the end of the next weekday, rather than taking up to six - and you may soon be able to deposit cheques by sending a picture of them. Yet are cheques in terminal decline? How often do you use them? Pay rises are few and far between for lower earners... In last week's poll we asked if you've had a pay rise in the last year. From over 8,900 responses, 40% of you hadn't received ANY increase - with roughly half of those earning under £25,000 missing out. Interestingly, those earning between £100,001 and £150,000 were the most fortunate, with 30% claiming they'd received an above-inflation rise. See who else had a pay rise in the last year. |
MONEY MORAL DILEMMA Should we pay for our daughter's wedding? She's getting married next year and we're really worried about the cost as everyone is looking at us as the bride's parents to pay for a spectacular do. We have limited income and don't want to be embarrassed or forced into debt to meet expectations. Enter the Money Moral Maze: Should we pay for our daughter's wedding? | Suggest an MMD | View past MMDs THE QUICKIES - Debt-Free Wannabe chat of the week: Christmas on a budget |
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MARTIN'S APPEARANCES (WED 1 NOV ONWARD) Thu 2 Nov - Good Morning Britain, ITV, Deals of the Week, 7.40am. See previous MSE TEAM APPEARANCES (MOST SUBJECTS TBC) Wed 1 Nov - BBC Cumbria, Money Talks with Ben Maeder, from 6pm |
QUESTION OF THE WEEK Q: I'm on the electoral register but I've opted out of the open version of it - will this affect my credit score? Sarah, by email. MSE Karl's A: As long as you're registered to vote this will be recorded by credit agencies and will help to boost your credit score. So don't worry about being on the open version or not. The open register is an extension of the main one and can be bought by firms (or anyone else) to send marketing to you. By opting out of it you get more privacy as your info is therefore only really available to electoral services, the police, Government and credit agencies. For more info, including how to opt out, see 60 seconds on the electoral roll. |
We're not fashion experts, but... a £1,700 skirt for £40 at Halfords? 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 tsb.co.uk, hsbc.co.uk, firstdirect.com, bank.marksandspencer.com, sainsburysbank.co.uk, aviva.co.uk, morethan.com, moneysupermarket.com, confused.com, gocompare.com, comparethemarket.com, ageuk.org.uk, directline.com, tescobank.com, cbonline.co.uk Financial Conduct Authority (FCA) Note MoneySupermarket.com Financial Group Limited is authorised and regulated by the Financial Conduct Authority (FRN: 303190). The registered office address of both MoneySupermarket.com Group PLC and MoneySupermarket.com Financial Group Limited (registered in England No. 3157344) is MoneySupermarket House, St. David's Park, Ewloe, Chester, CH5 3UZ. 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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