Free Greggs, energy UP 40% more in Apri l, Wallet Workout, Lidl £10 off, £60/year m obile insurance, Barclays warning

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Plus... Abandon online baskets, 10 Xmas tools, £9.50 Baileys, cheap Covid travel tests, Soap & Glory

THE TOP TIPS IN THIS EMAIL

Martin's 5-min exercise class to gain pounds - £100s of 'em... Halve mobile insurance costs amid price war - for example, £60/year iPhone cover 10 MoneySaving Xmas resources Free Greggs festive bake & drink Updated. Cheap Covid travel tests, including £35 PCRs £10 off £40 Lidl voucher Abandon basket for 20% off Asos and more 'I saved £560 after insurance warning' £78 Soap & Glory gift set £32.50 Martin: 'Energy price cap now due to rise by a horrendous 40%' Huge financial services shake-up due Barclays slashes Blue Rewards £9.50 for one litre of Baileys Who can set their own contactless limit? Hope after British Airways flyer wins cash refund after being 'pushed' a voucher This week's best buys, including 31 months' 0% debt shift, 1.4% fixed savings, 10GB Sim '£4.92/month' Should we buy kids Premium Bonds instead of toys?

BEST BUYS & TOOLS

Cheap Energy Club, incl Pick Me A Tariff MSE Cheap Mobile Finder Credit Club incl free credit report 0% Balance Transfers Compare Broadband deals Cheap Car Insurance Best Bank Accounts Top Savings Accounts Credit Cards for Bad Credit Credit Card Eligibility Calculator Loans Eligibility Calculator Mortgage Comparison Free online complaints tool - Resolver Compare Travel Money Best Sim Only Deals

Martin's Wallet Workout
Take his 5-min exercise class to GAIN pounds - £100s of 'em...

Whether you've a packed purse, a withering wallet, or are a digital doyen with it all filed on your phone, the cards & products you hold are a gateway to your finances.

Yet few people ever put their purse through its paces. In just a few minutes, that can cause a financial epiphany (less painful than it sounds). So if you've time, join or log in to our free Credit Club for its Wallet Workout tool or just put your (virtual) cards on the table as I show you how to get a fiscal sweat on...

Dig out your photocard driving licence - is it still valid? The photo only lasts 10 years, and a whopping 2m are out of date - check yours or risk a fine of, at the extreme, up to £1,000. See driving licence checks & help.
Is your bank card just bog-standard? Get paid £150 to get a new one. Debit cards are linked to bank accounts, and if you're not fussed about your bank provider, switching is easy. Better still, currently lots of banks will pay new customers to do it, incl...
- HSBC Advance's free £150* (via that specific link) offers the most upfront cash seen since early 2020. It also gives £10 to charity Shelter.
- The top customer service bank's free cash offer is First Direct's £100*.
- Halifax Reward gives a free £125 and also pays some £5/mth for a year.
- Virgin Money's 12 bottles of wine* is a different flavour (please be Drinkaware) or alternatively get a £150 experience day voucher.
IMPORTANT: Check eligibility criteria for each account before signing up. Some require you to pay in a set monthly amount, others want you to shift direct debits across. For our FULL bank-by-bank review, eligibility info & more options see Best bank accounts.
Do you have a donor card? If so, it's actually no longer needed in England, Scotland and Wales, as you're automatically considered willing to be an organ donor unless you opt out. Yet do register your decision - or via this link in Scotland - so your family know you consented / opted out (better still, discuss it with them).
In Northern Ireland, you need to opt in to register consent, though it's also moving to an opt-out scheme in 2022.
PS: There are many worthwhile things you can be a donor for while living, including blood & plasma donation, bone marrow donation, stem cells (age 16-30) and hair for young cancer patients.
Stash coupons in a virtual wallet to save £100s - free Starbucks, free nappies and more. While it is still possible to clip coupons out of a magazine or newspaper, couponing has largely gone online. Our December update has 40+ coupons including free £2 Starbucks Doubleshot, free £3.75 Vita Coco chocolate drink and free 79p Aldi 24-pack of nappies.
Can't afford to fully repay your credit or store cards? You can't afford not to try a balance transfer. If you pay interest on card debt, quickly put your details into our 0% Balance Transfer Eligibility Calculator to see your odds of being accepted for a deal. These cards pay off debt on old cards for you, so you owe the new card instead, but at 0% interest for a set time. You get debt-free quicker as more of your payments cover the debt, not interest.
If you've lots of choice, go for the card with the lowest fee in the time you're sure you can repay in. If you've little choice, as cutting debt costs is a priority, apply even if your best chance is only, say, 20%.
The longest 0% is from Santander (gives Amazon voucher)* which allows accepted new cardholders to shift debt to it for 31mths 0% with a 2.75% fee (min £5). If accepted you can claim (don't forget) a £40 Amazon voucher after 30 days.
If you can repay quicker, Sainsbury's* is up to 21mths 0% NO FEE, though some accepted will get fewer months. If you get a card, follow the Best Balance Transfer Golden Rules (also see APR examples)...

a) Clear the card before the 0% ends, or they're 20%+ rep APR interest.
b) Never miss the min monthly repayment or you can lose the 0%.
c) Don't spend/withdraw cash. It usually isn't at the cheap rate.
d) You must usually transfer within 60 days to get the 0%.
PS: 0% balance transfer cards are better in a freezer than a wallet. These aren't usually cards you should spend on, so if you struggle with self-control, put it in a bag in a bowl of water, then pop it in the freezer. That way you'll need to smash the ice to spend on it - a good punctuation mark to decide if it's worth it.
Due money back from Oyster cards or contactless London travel? If you failed to touch your card out at the end of a journey or were delayed 15mins+ by tube, you can often claim (some have got £70+ back just for not touching out). And those with old, unused Oyster cards may be due a share of £545m+ in credit sloshing about. See Oyster & TfL contactless reclaiming.
Travel by train even once a year - whether you're a family, under 31, over 60, disabled, a couple (or you travel with a mate)? There's a railcard for you. They cost up to £30/yr and get you a third off most train travel, so if you'll spend over £90 a year, you can save - see Can I get a railcard?
Is your EHIC still active? If you have a European Health Insurance Card, check the expiry date (section 9) as 6.4m expired in 2021. You can't get a new one, but you can get the similar post-Brexit GHIC. See how to get a Global Health Insurance Card. (PS: Beware shyster sites that charge for it. Never pay - as it's free.)
Do you spend on a debit or credit card? Why not make your plastic pay you each time you do? A range of credit cards pay you to spend on them, so get one, set up a direct debit to repay IN FULL each month, and you neuter its interest charging ability. Then use it for all your normal spending, and you'll be quids in.
To see what cards you can get, use the Cashback & Rewards Eligibility Calculator. Doing this is easy and lucrative - I asked on Twitter how people use these cards and drowned in 100s of positive responses, such as this from Mark Williams: "@MartinSLewis Amex Platinum. Use it everywhere that takes it, pay off in full, make £200 - £300 a year plus extra occasional small business discounts."
The card Mark mentions, the Amex Everyday*, is still a top payer, giving new Amex customers 5% back for 3mths up to a max £100, then up to 1% after, provided you spend £3,000+/yr. Though fail to fully repay and it's 24.5% rep APR interest. There are many more options though - see Credit card rewards (APR examples).
Ditch your loyalty cards, but keep earning points... Unless you need it for bicep curls, a heavy cluttered wallet can be a pain. So you can store cards in your Apple Wallet, Google Pay or use loyalty card keeper apps.
... then max your points, eg, 200 free Boots Advantage. My adage has always been "Never choose where you shop based on a loyalty card, but always aim to use one if you're shopping somewhere that gives points".
The MSE team have lots of great research to show you how to max out Tesco Clubcard points, Nectar points and Boots Advantage points, including an instant 200 points.
Got condoms? Check they're still in date... Carrying a condom around in your purse or wallet might be a cliche, but safety is still important. Condoms have use-by dates, so it's worth checking - better safe than sorry in so many ways.
To replace them safely, use the NHS England free condom search and here's info for Scotland, Wales & Northern Ireland too.
... and get a different type of protection, for spending a penny. Under Section 75 law, if you buy something costing over £100 and up to £30,000 and pay for any of it (even 1p) on a credit card, then the card firm's jointly liable with the retailer for the ENTIRE amount.
This get-out-of-jail-free protection is hugely powerful if the retailer goes bust or won't play fair or you buy abroad and can't take the item back. You can even go to the card firm with faulty items. And if it disputes it, rather than going to court you can go to the ombudsman. Full info (including when it doesn't work and how to claim) in our Section 75 guide.
Not eligible for Section 75 protection as you paid by debit card, or for items under £100 on credit card? You're likely due chargeback protection according to the Visa, Mastercard & Amex rules. Pay by bank transfer, cash or cheque and there's no protection like this.
Time for me to throw in a Curve ball. I'm often asked about the Curve card. It's a Mastercard debit card you can link to existing (non-Amex) debit or credit cards, and it acts as a 'front', passing on the transaction to that card as a purchase.
It's useful if you want to pay by credit card (eg, to get rewards) but that isn't allowed, as well as for cheap overseas spending, and a small number of rewards. However, you don't get Section 75 protection. The team has done a full Curve review to help you decide if it's for you.

Don't wait to file expenses - make those old receipts pay you. If you claim expenses at work then old receipts in your wallet (or elsewhere such as on your phone) may be worth as much as cold hard cash. So look after them, but as some employers say you must claim in a certain timeframe, don't wait.
If you've a cashback card, check if you can use it to pay and then reclaim so you earn rewards on expenses.

-----------------------------

What you need-to-know before we go...
Thu 8.30pm ITV: The Martin Lewis Money Show LIVE

This week is our last show before we break until the New Year. So I want to tool you up with all the financial best buys and key actions before Christmas on mortgages, savings, cards and much more - so hopefully you'll have a financially fit New Year. It's an ITV 30 minutes (so 23 in real time) you can't miss. Do watch or set the Betamax.

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.

HALVE smartphone insurance costs due to price war

Cover an iPhone or Samsung for just £60/year or all the family's phones for £160/year

After careful deliberation, you choose a shiny new handset, happy you've done the research and bagged the right kit. Then while your mind's on it, there's a quick "An'yull need insurance right?", so without thinking you say "yes", usually to a costly policy which drips out of your account for years. We want to challenge that habit. Many pay up to £15/month, so £180 over a year, but our Cheap mobile insurance guide shows how to do it for far less. Here are the key digits...

The four key mobile-insurance questions. Before plumping for a policy, ask yourself:

1. Am I a loser? If you're unlikely to lose or damage a handset, self-insuring can win.
2. Am I already covered via home insurance or my bank account? See how to check whether you're covered.
3. Do I need a speedy replacement? If every minute counts, networks' cover is often fastest - but pricey.
4. Can I cancel my policy? If you have cover, most firms let you cancel with up to 30 days' notice, but if you pay annually you may not get a pro-rata refund. Check your policy rules.

Cheap insurance price war - slash network prices. In the process of updating our guide, we compared over 40 mobile insurers. And some, when they realised what we were doing, started to offer us MSE Blagged codes to cut their prices, so they could be top, inadvertently starting a price war. Great, as you pay less, but get the same cover.
All four policies below cover loss, theft and accidental damage, on phones bought in the last three years. Your winner depends on your handset, but we compared prices for a few popular ones: basic iPhones 11, 12 & 13 and basic Samsung S20s & S21s - and all were £55-£70/yr. If time, get a quote from as many of these as possible...
- Insurance2go's* 'full' cover, with code 'MSE10%' which - as it says - gives 10% off.
- Mobile Phone Insurance Direct's* 'premium' cover, with code 'MSE8' (gives 8% off, if used by 17 Dec).
- Switched On's* 'ultimate' cover, with code 'MSEXMAS5OFF' (should be already applied), which gets £5 off + 2mths free.
- Older model? Loveit Coverit's* 'premium' cover with code 'LOVE12' used by 17 Dec gets you 12% off and often wins for older models (but you still need to have bought the handset in the last three years).
Before you sign up, always read at least the policy summary to check you're happy with the cover.

Tend to lose your phone more than twice a year? Policy excesses vary by phone, and insurer, and on those above vary between £30 and £100 - so that's what you'd pay towards each claim. If you think that's too high (maybe you lose your phone a lot) then Trusted Insurances* and Post Office* offer policies with an excess at just £25, though for that you'll tend to pay £120-£140/year for cover on the latest handsets.

Got two or more smartphone users in the home? Get FAMILY phone insurance plus travel and breakdown cover for £156/year via a bank account. The Nationwide FlexPlus account costs £13/month (£156/year) and covers phones worth up to £2,000 each, belonging to you, your spouse/partner and children under 19 (or under 22 if in full-time education) - and the cover's decent.
So if you've two phones this is nearly on par with the cheapest policies, more and it undercuts them, plus you get UK and Europe breakdown cover for the account holder(s) and worldwide family travel insurance. Full info and other options in Packaged bank accounts.

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.

FREE Greggs meat or vegan bake & hot drink (normally about £3). A festive chicken (or Quorn), onion and bacon (or vegan bacon) pastry and a drink. 50,000 available originally, but they're going fast. See how to get free Greggs.
Updated. Cheap Covid travel tests - now including day 2 PCRs from £35 & pre-departure tests. The rules have changed. The fully vaccinated, when returning to the UK, now need a PCR / lateral flow before departure, as well as a PCR test up to 2 days after return (isolating until a negative result - so speed matters). See Cheapest Covid travel tests.

£10 off £40 Lidl voucher. How to bag a nice Lidl saving (not in Northern Ireland).

Martin: 'Energy price cap now due to rise 40% next April - that's typically over £400/yr.' It's getting worse - watch Martin's new 4min energy crisis help video which explains what's happening and what to do.
Abandon your basket all ye who enter (and possibly get 20% off H&M, Asos & more). A nifty trick this: log in to online shopping accounts, put what you want in the basket, then don't complete, and many places will send you a discount code. We've collated your experiences to show which retailers tend to offer abandoned basket discounts.

Urgent. Shelly saved £560 after Martin's car & home insurance warning last week. The clock is ticking - last week Martin warned everyone to get quotes NOW, even if not near renewal as imminent new rules are likely to see costs spike, and it's not too late if you missed it. Our success of the week is from Shelly, who followed that tip and emailed: "After reading the recent email, I sorted out my home insurance. My renewal quote was £743 but I got a quote for £181. Thanks for all your tips." Please send us your MoneySaving successes on this or anything else.
£78 of Soap & Glory in Boots Star Gift set for £32.50. It was briefly reduced to this price online back in November, it's now again £32.50 and is in store too. Includes body butter, mascara, hand cream and more. Soap & Glory

The Financial Conduct Authority launches new 'Consumer Duty' - meaning firms can't leave customers stuck with poor mortgages, savings and more. This is just one likely benefit to the City watchdog's far-reaching proposals. See what it could mean, including Martin's two-minute video briefing.

BLAGGED FOR MSE

- Mobile phone insurance discount codes End dates vary

DID YOU MISS?

- £78 of No7 make-up & skincare for £25
- Check if you're due a share of £74m in Premium Bonds prizes
- Ends today (Wed). 25% off Bobbi Brown
- Amex £5 cashback on £15+ spends at 1,000s of LOCAL stores
- TSB to close 70 branches in 2022 - here's the full list

10 speedy MoneySaving Christmas planning resources

Tools & info to help with gifts, spending, sending parcels, gift vouchers, charity and more

Advent has started, so we wanted to open a window into some of the clever and useful MoneySaving resources out there to help you celebrate the festive season without creating a financial hangover afterwards. Also see Martin's now (in)famous Ban unnecessary Christmas gifts blog, which includes his video on it that went viral with over 17 million views and 300,000+ shares.

Free or charity letters from Santa. The big fella has his elves stationed everywhere to help him reply to all the little people who write to him. Two of those to note are...
- Ends Thu. For a suggested donation of £5, the NSPCC elves will send a personalised letter, and the money will help less fortunate children - a nice bit of karma.
- Ends Fri. There are hordes of elves stationed at Royal Mail, so post a letter and Santa will reply at no cost.
Cheap parcel delivery firms. It's almost always cheaper to have an item delivered straight from the retailer, but if you want to send one yourself, our Cheap parcel delivery guide shows how to cut costs.
Last 'free or cheapest' online order dates for Argos, Currys, John Lewis, M&S and more. Planning & prep saves money - see our full list of major retailers' last 'free or cheapest' order dates and how much you'll pay if you leave it later.
Free Christmas gift cheques. If money's tight, why not give time instead? Our printable Christmas gift cheques let you pledge to do something nice such as brekkie in bed, cleaning a car. What you give is only limited by your imagination.
Charity gift catalogues mean real impact for Christmas giving. From buying a goat for a family, to polio vaccines, or shelter for an abused family here in the UK, our Charity gifts catalogue guide shows how to give a gift perhaps more in line with the original Christmas spirit - far better than tat.
The Christmas Deals Predictor. For seven years we've carefully tracked the timing and quality of big firms' Christmas discounts. That knowledge has been poured into our Christmas Deals Predictor to help you pounce when what you need is cheapest.
The DemoHoHotivator shows how little sacrifices can create big savings. For example, give up a daily £2 coffee in December and you'll have an extra £50 in the festive kitty. See what you could save with the The DemoHoHotivator.
20 free (or very cheap) ways to add Christmas magic for kids. One of our own resources, MSE Jenny's Christmas magic for kids blog helps you create lasting memories for little money.
Track Santa as he delivers presents. The big fella has quite the journey on Christmas Eve, and a nifty free Santa tracker lets you watch his progress from the North Pole to Northampton, and everywhere in between and beyond.
Martin's tip: 'Give the ultimate paper gift vouchers spendable everywhere without any expiry date.' "Gift vouchers and cards have a risk to them. If the firm goes bust, they're often worthless. Plus many have expiry dates too. So think very carefully about the solvency of the firm, and how quickly the recipient will use them, before you do it. If in doubt, don't. For me, the ultimate flexible gift voucher is... cash. It can be spent anywhere, and never lapses."

Barclays customer? It's slashing Blue Rewards, so many should dump it. From March 2022, it will cut its basic rewards from £36 a year to zero, and with switch bonuses of up to £150 currently available, it's a good time to ditch & switch. See our full Barclays slashes Blue Rewards analysis.
£9.50 for one litre of Baileys. Cheapest we've seen it all year - normally £20. Baileys (please be Drinkaware). See also which cheaper own-brand Irish cream won the MSE staff taste test.
Santander customer? Now you can set your own contactless limit. It joins a few others allowing this. See which banks let you set a contactless limit and how to do it.
BA flyer wins £300 cash refund in court after being 'pushed' a voucher - can you too? MoneySaver David finally got his money back after a Covid-related cancellation last year, giving others in a similar boat hope. See British Airways victory for full info and help.

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AT A GLANCE BEST BUYS

0% balance transfers

Longest 0%: Santander (check eligibility / apply*) 31 months 0%, 2.75% fee - min £5, plus claim a £40 Amazon voucher (20.9% rep APR interest)
No-fee 0%: Sainsbury's Bank (check eligibility / apply*) up to 21 months 0% (20.9% rep APR)

Broadband top picks

Standard (10Mb+): Shell Energy, equivalent to £12.66/month
Fibre (30Mb+): Vodafone, equivalent to £15.34/month
Superfast fibre (55Mb+): Vodafone, equivalent to £16.34/month

Top savings accounts

Top standard easy access: Aldermore 0.75%, min £1,000 deposit
Top one-year fix: SmartSave Bank 1.4%, min £10,000

Car insurance

Get comparison site quotes in this order:

Compare The Market* Confused.com* MoneySupermarket.com* Gocompare*

Cheap loans

Cheapest for £5k-£7.5k: AA (check eligibility / apply*) - 3.3% rep APR interest (AA members), 3.4% rep APR (non-members)
Cheapest for £7.5k-£15k: Cahoot (check eligibility / apply*) and Santander (check eligibility / apply*) - 2.8% rep APR, plus claim a £50 Amazon voucher

Best bank accounts

£150 cash to switch + £10 charity donation: HSBC
£125 to switch + monthly reward: Halifax

Cheap Sims

Up to 3GB data: Lebara, equivalent to £4.29/month for 3GB, unlimited minutes & texts
4GB-9GB data: Lebara, equivalent to £5.17/month for 5GB, unlimited minutes & texts
10GB+ data: iD Mobile, equivalent to £4.92/month for 10GB, unlimited minutes & texts

THIS WEEK'S POLL

How do you rate your mobile network's service and coverage? We want to find out how each provider rates for service (how it treats you) and coverage (how strong the signal is when you need it). How do you rate your mobile network?

RAC is the easiest firm to haggle with. Last week, we asked which companies you've tried to haggle with in the past year, and if you got a better deal - over 6,000 people responded. A whopping 86% of those who'd tried haggling with the RAC reported some sort of success - the highest among all firms. Meanwhile, Virgin Media was top for TV and broadband, Sky for mobiles and Admiral for insurance - all with success rates of over 80%. See full haggling poll results.

MONEYSAVING NEWS

- Top story: Benefits recipients to receive a £10 Christmas bonus - who'll get it?
- Former Igloo, Symbio or Enstroga customer? Set up your direct debit with new supplier E.on NOW, or you'll overpay
- PCR testing firm Randox forced to give customers clearer information on wait times and refund rights
- Shoppers will be able to withdraw cash in more than 2,000 stores across the UK without having to buy anything
- Pret a Manger launches its first-ever loyalty scheme

MONEY MORAL DILEMMA

Rather than toys, should we buy Premium Bonds for the children in our families this Christmas? My partner and I don't have kids, but we've always bought small gifts for the children in our families. Yet we begrudge buying toys for consumerist and environmental reasons, and are considering getting something such as Premium Bonds for them instead. However, we're not sure whether that would be appreciated by the children or their parents. Enter the Money Moral Maze: Rather than toys, should we buy Premium Bonds for our families' children? | Suggest a Money Moral Dilemma

MARTIN'S APPEARANCES (WED 8 DEC ONWARDS)

Wed 8 Dec - Ask Martin Lewis, BBC Radio 5 Live, 1pm. Listen to past episodes
Thu 9 Dec - This Morning, phone-in, ITV, 10.45am
Thu 9 Dec - The Martin Lewis Money Show Live, ITV, 8.30pm

MSE TEAM APPEARANCES (MOST SUBJECTS TBC)

Wed 8 Dec - Keep 106FM, Ridgeway Magazine with MSE's Oli Townsend on easy ways to go green, from 11am
Thu 9 Dec - BBC Radio Manchester, Drive with Michelle Dignan, from 9.30am
Tue 14 Dec - BBC Radio Cambridgeshire, Mid-morning with Jeremy Sallis, from 12.40pm

A BIG HALLOWEEN FIGURE & THE OLD OCCUPANT'S DINNER. DID YOUR NEW HOME COME WITH A SURPRISE?

That's all for this week, but before we go... Forumites are sharing stories about unusual discoveries after moving into new homes. Happy surprises included an oak floor hidden under stained carpet, a parking space covered by overgrown bushes and even a secret garden. Others found a spooky life-size Halloween figure that moved and one Forumite had an unfortunate surprise - the remains of the previous occupant's dinner in the oven. Read the full list and add yours in the new home surprises MSE Forum discussion.

We hope you save some money, stay safe,
The MSE team

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Free Greggs, energy UP 40% more in Apri l, Wallet Workout, Lidl £10 off, £60/year m obile insurance, Barclays warning

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