Loading...
|
| - | - | - | - | - |
|
| ||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
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 |
| British Gas customer? No-brainer £225/yr 5min saving An easy win for Brit Gas custs. It's launched a new cheapest tariff, only via comparison sites This dual-fuel British Gas All Online March 19 tariff which launched today (Wed) is far cheaper than any current BG deal and the cheapest of the Big 6. It's £876/yr incl £25 MSE cashback for typical use compared with its £1,101/yr standard tariff. It's only available via a comparison site such as Cheap Energy Club (our links take you through), plus you have to get a free smart meter which helps ensure you only pay for what you use. Here's how it stacks up... BRITISH GAS CUSTOMER? This is a no-brainer. If you're determined to stick with British Gas through thick and thin, this is a sure fire way to save big. You'll save an average £225/yr compared with BG's standard tariff. Just use our 'My Current Supplier' comparison to see how much you could save. Switching takes just a few minutes, it's the same gas and elec, the same pipes, plus you'll be protected from any price rises till March 2019.NOT WITH BRITISH GAS? It's still a cheap big name. It's the cheapest tariff from any of the Big 6 and one of the cheapest of all the big names, beating EDF, E.on etc. As energy prices vary by usage and region, use our 'Big Names' filter to see how it compares (though this BG tariff won't appear till 8am). Want the cheapest? The cheapest deals are often from small suppliers with limited feedback and start from a typical £807/yr on average use, so if you want to see how the new BG tariff stacks up against the whole of the market, do a full comparison to find your cheapest. The new British Gas tariff in detail. It has £30/fuel exit fees, although the tariff is portable, so you can take it with you if you move home. You must pay by monthly direct debit and manage your account online, plus you need to sign up for (free) British Gas Rewards. You'll also need to book a free smart meter installation appointment by 31 July - these send automatic readings, so you get exact bills. PS: Switching to British Gas can be glitchy for a few. If you go via our Cheap Energy Club and have problems switching, let us know and we'll try to help. |
| Martin: 'Why cutting tuition fees bizarrely risks hurting not helping most students.' After news of a full review incl a possible cut from £9,250/yr read Martin's view on the tuition fees debate. £37 of No7 beauty for £12. Incl eye shadow, blending sponge and free lipstick coupon. Ltd stock. Boots No7 Urgent. Fibre broadband price war. Three deals are now fighting it out - find the best available in your area via our Broadband Unbundled tool. If eligible, you'll see TalkTalk at '£19/mth' if you apply by Thu, Vodafone £20/mth till 28 Feb and BT, incl BT Sport, for '£21/mth' till Thu. All have line rental included. Which broadband is best for you? 5 Odeon tix £20 (or 2 for £10). Norm up to £17 each, can be used for one visit or multiple till 25 Apr. Cheap cinema 50+ free birthday treats, eg, free Body Shop £5, doughnuts, prosecco etc. It's our 15th birthday on Thu (woo-hoo) so we thought we'd share ideas for 50+ birthday freebies with you. Also, as part of our birthday celebrations, see your top reclaim successes over the years below. Four Easter eggs for £3, incl Cadbury and Mars. Thanks to buy two, get two free. Where to find egg-cellent prices. |
|
|
|---|
| Longest 0% balance transfers are SHRINKING - if you've debt, sort it now Just a year ago lenders were competing to offer 'longest ever' 0% balance transfer credit cards with savvy borrowers grabbing up to 43mths 0%, transferring existing store or credit card debt to them to avoid interest and get debt-free quicker. Now because of tighter lending restrictions, the longest lengths have dropped by 6mths already and we hear some of the best deals could shrink further. There's no way of knowing when they'll stop, so if length matters, don't wait. - Will you be accepted? Don't just apply willy-nilly - our Balance Transfer Eligibility Calc shows which cards you've best odds of getting, without hitting your creditworthiness. And for some cards you can be 'pre-approved', meaning you'll definitely get the card and offer shown, subject to an ID check.
Go for the lowest fee in the time you're sure you can repay. Calculate how long you need to clear the debt, add a bit for safety, then pick the lowest fee within that time. Unsure? Play safe and go long, even with a bigger fee. Some have an 'up to' 0% length, so you may get a shorter deal even if accepted. That's why we include the best non 'up to' options, where you'll get that length if accepted (our eligibility calc says if you've good odds). Balance Transfer Golden Rules. Full help and ALL best buys: Balance Transfers (APR Examples). | ||||||||||||||||||||||||
| Check NOW for old tenners. See how long you've got to spend 'em and what to do if left with one, in our £10 alert. Last chance. Childcare Vouchers scheme, worth £1,000s, closing to new applicants. Check NOW if you can cut childcare costs with childcare vouchers, incl how to apply. Beat EE, O2, Vodafone & Three price hikes. The biggies have announced rises this spring, yet you can beat 'em if not in a mobile contract. Full help in Cheap Sims incl this 4GB Sim deal, with 1,500 mins & unltd texts which ends today (Wed), from Virgin Mobile* (uses EE's network), for £8/mth for 1yr, if not in contract with it. For more see Mobile price hikes. Laura Ashley 40% off almost all full-price items. From Thu, plus free furniture delivery. It's the strongest discount we've seen since last Black Friday. Full updates on what's available via our Laura Ashley sale page. Ending. £40 cashback on £400 'robo-investment'. MSE Blagged. If you plan to 'robo-invest', this Wealthify deal is equiv to a 9.55% head-st art after fees. Most of the 1,000 deals originally available have gone - it ends when they've all shifted or by 28 Feb, whichever's sooner. Full explanation, plus pros and cons, in robo-investing cashback. Virgin Wines 12-bottle mixed case £56 (norm £138). MSE Blagged. Newbies only. Incl red, white and prosecco. 1,000 avail. Virgin Wines. Pls be Drinkaware. |
Tell your friends about usThey can get this email free every week |
| AT A GLANCE BEST BUYS
|
| It's our birthday - yayyyy. MoneySavingExpert.com was launched by Martin 15 years ago on Thursday for a MoneySaving £100 - see his birthday message for more about our birth, and the 'how our look has changed' video. The site's aim was "to cut your bills without cutting back" but within two years it'd become "cutting your bills and fighting your corner" as our zeal for campaigning and financial justice took hold. So while we're proud of saving you big cash o n energy, savings, banking and helping millions out of debt, some of the biggest wins have come from our campaigns. We hope these inspire you... PPI: 6m template letters downloaded, billions reclaimed. Our biggest reported win: £153k. PPI mis-selling was a cancer at the heart of banking culture that put profit before ethics. Yet with Martin as the 'big gob in chief', we launched the first template letters and reclaim tool (via complaint site Resolver), which many have used to get £1,000s back for free, such as Hugh and his wife las t year: "The info on MSE and Resolver was simple. Each claim took 10-15 mins. 3hrs' work for £153k ain't bad." The PPI claim deadline is Aug 2019 but hurry to beat the rush. Do it via our Reclaim PPI for FREE guide & tool.BANK CHARGES: 7m template letters downloaded. Our biggest reported win: £9,600. £35 for a bounced cheque used to be common - as were multiple fees for one indiscretion. They were grossly unfair and since 2005 our bank charges campaign has helped millions get them back. We've heard of a £36k business account reclaim but forumite njhsmiler's £9,600 win in 2009 is one of the biggest personal reclaims: "We paid our debts off and could treat the kids." If in hardship you can still claim, see Bank Charges Reclaiming. FLIGHT DELAYS: Our FREE tool makes it easy. Our biggest reported win: £3,300. We've been championing your reclaim rights if your flight is delayed for more than 3hrs since 2012, and seen some whopping wins. Deanne used MSE's Resolver tool when her flight was delayed for 5hrs and got £3,300 back for all seven in her group: "Thank you so much for the direction to use Resolver, so quick and easy." See our Flight Delay Co mpensation guide for full help. COUNCIL TAX REBATE: Our check 'n' challenge system has saved millions. Our biggest reported win: over £10k. Hundreds of thousands of homes were (and still are) in the wrong council tax band. We devised the council tax check 'n' challenge system to help you claim past overpayments and lower future bills. Jacki told her neighbour after watching Martin's show: "I noticed my neighbour's band was higher than the other houses'. The council agreed they've been in the wrong band for over 20 years. At approx £500 per year that's over £10k." See our Council Tax Rebanding guide for full help incl the risks. PS: Maybe some have reclaimed more - bravo. We'd love you to tell us your story if you haven't already. |
| £22 Ciaté nail polish set (£83ish indiv). MSE Blagged. 10 full-size polishes, incl glitter and shimmer effects. 1,000 avail 'I HAGGLED MY SKY BILL DOWN BY £350/YR' - SUCCESS OF THE WEEK Could you pass the driving theory test? Official mock version is free online. Share with pals, whether learners or if they, ahem, need a refresher. Mock theory test |
| THIS WEEK'S POLL How do you rate your bank account's service? Every six months we ask for your help to track the quality of banks' customer service. By comparing your answers with last time, we can see which have got better or worse. How do you rate your bank account's service? Younger groups find it more acceptable to use a 2for1 voucher on a first date. Last week we asked what advice you'd give Ashley if Robert pulled out a 2for1 voucher to pay on a first date. From over 8,000 responses, more than 40% of those under 34 considered Robert 'a keeper' - suggesting millennials are likely to cast romantic MoneySaving in a positive light. In comparison, just 24% of men and 20% of women in the 65+ age bracket felt the same. See how other groups judge those using a 2for1 voucher on a first date. |
| MONEY MORAL DILEMMA Can I keep grandma's cashback? I look after her finances now. She used to do everything in cash but I've set up a bank account in my name for her bills and cash, which generates interest on the money in there and cashback for paying the bills. Is it fair I keep it all? Enter the Money Moral Maze: Can I keep grandma's cashback? | Suggest an MMD | View past MMDs THE QUICKIES - Debt-Free Wannabe chat of the week: February's bring your lunch to work challenge |
|
|
|
|
|---|
| MARTIN'S APPEARANCES (WED 21 FEB ONWARDS) Thu 22 Feb - Good Morning Britain, ITV, Deals of the Week, 7.40am. See previous MSE TEAM APPEARANCES (MOST SUBJECTS TBC) Wed 21 Feb - BBC Cumbria, Money Talks with Ben Maeder, from 6pm |
| QUESTION OF THE WEEK Q: I'm travelling to Sweden, Denmark and Norway for a holiday - what is the most economical way of taking the three currencies? David, via email. MSE Karl's A: When heading off anywhere in the world, a simple, cheap way to spend abroad is with a specialist overseas credit card, as you get near-perfect exchange rates and avoid the 3%-ish fee most other cards charge on spending. And if going to multiple places it saves having to get lots of foreign currency before you go. For top picks, see our Travel Credit Cards guide. If you prefer to take cash, our TravelMoneyMax tool compares 30+ travel bureaux so you can get the most bang for your euros, dollars or in your case, krona and krone. Do that and you'll avoid buying from the airport where rates are hideous. Please suggest a question of the week (we can't reply to individual emails). |
| 'I SHARE BATHWATER, THEN WATER THE GRASS' - HOW GREEN AND MONEYSAVING ARE YOU? That's all for this week, but before we go... it pays to be a little greener and our MoneySavers are certainly a green bunch, especially when they share their bathwater and then water the grass with it, as one of our forumites does. Whether you just use a blanket rather than turning up the heating, or anything else, please share your top green tips in our how to be greener and save money 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 thepeoplesoperator.com, uswitch.com, three.co.uk, barclaycard.co.uk, sainsburysbank.co.uk, hsbc.co.uk, halifax.co.uk, sainsburysbank.co.uk, confused.com, moneysupermarket.com, gocompare.com, comparethemarket.com, directline.com, aviva.co.uk, admiral.com, bank.marksandspencer.com 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. |
Loading...
Loading...
