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| DON'T believe the fake ads on Facebook |
| Ends Fri. Shift debt to 0% at BETTER than no fee Get paid to STOP paying credit card interest, with the soon-to-go £25 cashback offer from M&S Bank A balance transfer is simply a new card that repays existing credit and/or store cards, so you owe it instead but at 0%. More of your repayments clear debt rather than interest, so you're debt-free quicker. Many of these cards charge a one-off fee as a percentage of the amount shifted, yet some give cashback which can be bigger than the fee, so you're effectively paid to cut your debt. And a hot deal ends soon...
Some have an 'up to' 0% length, so you may get a shorter deal even if accepted. That's why we also include the best non 'up to' options, where you'll get that length if accepted (our eligibility calc says if you've got good odds). Balance Transfer Golden Rules. Full help and more best buys in Best Balance Transfers (APR Examples). a) Clear the debt or shift again before the 0% period ends, or the rate jumps to the rep APR. b) Never miss the min monthly repayment or you could lose the 0%. c) Don't spend/withdraw cash. It usually isn't at the cheap rate and withdrawals hit your creditworthiness. d) You must usually do the transfer within 60/90 days to get the 0% and cashback. | |||||||||||||||||||||
| Ends Wed. Rare, cheap Big 6 energy tariff - can you sav e £300+/yr? There's been a raft of price hikes recently, but don't let 'em rip you off. We know many want a big name and there's a hot EDF dual fuel deal for new AND existing custs. It's the cheapest biggie in 8 of Britain's 14 energy regions, and mega-cheap in many big cities. It's £876/yr (incl MSE cashback) on typical use in some areas vs the avg £1,221 Big 6 standard tariff. You can't get it direct so use our Cheap Energy Club's big name supplier comparison to check if it's a stonker or stinker for you - but it's only avail till 11.59pm Wed. For the overall cheapest, do a full market check. Ryanair cuts hand luggage allowance AGAIN. See Ryanair hand luggage help. £4.75 for unsold New Look, Dorothy Perkins, Mango etc shoes & clothes. MSE Blagged. Discount retailer sells both surplus detagged stock from popular high street stores AND non-branded clothing. Normally everything is £5 plus delivery from £3.95. Our code brings it down to £4.75 delivered till Sun. Everything5pounds Ends Thu. Amazon Prime £20 off. Get £59 1yr Prime (or 1mth free). Gets TV, movies, music + quicker deliveries. 300 autumn-planting bulbs £9 all-in (norm £34ish). MSE Blagged. Ends Sun. Incl allium & muscari. Thompson & Morgan FREE £13 Cake & Bake Show tickets - incl meet past Great British Bake Off winners. 7,500 avail for London on 5-7 Oct. Cake & Bake |
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| 'I saved £680 on my car insurance by getting it early' We're set to hit a peak car insurance buying period as Sep is new registrations month, so it's renewal time for those who've bought a motor around this point in the past. Yes, we know it's still Aug, but the key to a good deal is to plan ahead. We've found it's typically cheapest to buy three weeks ahead, as Hayley did: "Renewed 3wks early after your tip. It's gone from a renewal price of £108/mth to £51/mth [saving £684/yr]. Checked the comparisons later and it went back to £100. Happy." Full help in Cheap Car Insurance, here's the key info: Renewal due in next month? NEVER auto-renew or you'll be fleeced. Instead, combine comparison sites to speedily find your cheapest. Aim to check and buy 21 days before renewal (or the start of a first policy), but if you've less time, hurry, as o ur investigation showed prices keep rising the closer you get. Comparisons check dozens of quotes in seconds. But they don't all cover the same insurers, so try a few. Our current order's MoneySupermarket*, Confused*, Compare The Market* & Gocompare* (see how we rank them).Then check against hot deals comparisons miss, incl free vouchers. Some deals aren't on comparisons, eg, £55 Amazon vch via Admiral*, £55 M&S vch via Age UK* (ends Thurs), a Co-op* £50 food vch, or a £40 Amazon vch from Direct Line* or Churchill*. Note, vchs can take 120 days to arrive. Plus you won't find big insurer Aviva* on comparison sites. See hot deals comparisons miss. Not at renewal? You can still save mid-policy... - You can usually cancel an expensive policy and move to a cheaper one. As long as you haven't claimed, you'll often pay a £50ish admin fee (factor that in) and get the rest of the year refunded. The key is to set your new policy to start 21 days after you get the quote to get the best price. Full help in switching mid-policy. - Renewal 30-60 days away? You can lock in a price. While 21 days ahead is best on avg, you may find a few insurers let you lock in a quote up to 2mths ahead. Get a quote, then check against comparisons closer to renewal and go for the best. Whenever you buy and whichever insurer you use, see if these counter-logical savings work for you... - Use trial & error to see if comprehensive's cheaper than 3rd party. - Check if adding extra drivers slashes costs. If they're a lower risk than you, it can bring the cost down. - See if legitimately tweaking your job description cuts costs. |
| School uniform set from £7.50, at Asda, M&S, Next, Sainsbury's etc. See our back-to-school round-up. Ends Fri. £20 cashback on top travel credit card. Like most specialist overseas cards the Halifax Clarity (eligibility calc / apply*) card doesn't charge the usual 3%-ish fee on spending or at ATMs abroad, though you often pay a little interest on cash withdrawals. Apply & get accepted by 11.59pm on Fri and it gives £20 cashback on your first spend in a foreign currency by 30 Sep. Repay IN FULL to minimise the 18.9% rep APR interest. Won't spend abroad by then? The Starling debit card is totally fee-free on spending AND cash, and pays small in-credit interest. Full info in Travel Credit and Debit Cards. 'I split my train ticket into 10 journeys to save £90' - EXTREME split-ticketing. A cricket fan went all out, with a technique anyone can use, for train tickets to watch England's clash with India on Fri. See split-ticketing. Ted Baker glasses £30 or prescription sunnies £40. MSE Blagged. Incl free delivery. Designer specs 2,000 'free' wills in Eng & Wales. There's no fee, but it's hoped you leave a charity donation in your will. 'Free' wills |
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| AT A GLANCE BEST BUYS
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| Paying £10/mth+ for your mobile? STOP Millions overpay for data they never use, so to stem the loss, urgently check if you needlessly throw money awayWe check our mobiles every 12 mins on average, according to regulator Ofcom. But do you also check if you're getting a good deal? Our poll of MSE users in Jan found 64% use less than 3GB/mth of data, while Ofcom says the average is sub-2GB. You can easily pay less than £10/mth for that, yet many shell out more. So if out of contract and happy with your handset, see if you can save with a new, cheap Sim. Pick a Sim with the allowance YOU need. The Sim's the little chip you stick in your phone that gives you data and calls from your network. Buy too low an allowance and you face hefty charges if you go over; go too high and you also overpay. To find your real usage, check recent bills or use a free tool.Then switch to a top-pick Sim. There are some stonking new customer deals below, ranked on the amount of data you need. These are the top picks but see our Top Sims guide for lots more options, particularly if you struggle to get service with any of the networks listed here.
You can keep your number, plus other top switching tips. - Keeping your number's easy. It normally takes just one working day. See Number porting. - You may need to unlock your phone. Firms have to let you if you're out of contract. See Unlock your phone for free. - Don't want to change network? Haggle. Mobile firms are among the easiest to haggle with. See Haggling help. | ||||||||||||||||||
| £28 Clinique beauty box code (norm £35). MSE Blagged. Incl lipstick, eye liner and mascara. Costs £77 bought separately. 1,000 avail. Clinique TOP TRAVEL SUCCESS OF THE WEEK: £30 free-range steak hamper (£40ish elsewhere). MSE Blagged. All outdoor-reared UK meat. Incl bavette, flat iron & gammon steaks. Meat hamper |
| CAMPAIGN OF THE WEEK Do you or someone you know struggle to find the best deals for products and services? Maybe you or they are vulnerable or have a disability? Whether for mobiles, energy, food or something else, the Competition and Markets Authority wants to hear the challenges consumers face when shopping around. Your experiences will help inform its thinking and future work. If you want to have your say, post on its MSE Forum th read. |
| THIS WEEK'S POLL The MoneySavingExpert.com Annual Census. So who are MoneySavers? For the fifth year running, rather than data-mining, we reckon the politest way to find out is just to ask. Welcome to the fifth annual MSE census. First Direct tops our banking customer service poll. Last week, we asked you to rate your bank account's service and once again First Direct claimed top spot, with 89% of its customers voting it 'great'. Perhaps unsurprisingly following its recent IT woes, TSB came bottom with HALF of its customers rating its service 'poor'. See full banking poll results. p> |
| MONEY MORAL DILEMMA Should my friend pay his daughter to do the ironing? My friend has recently been widowed - before this tragedy he paid someone £15/hour to do the ironing. He's suggested his daughter do it now instead. She has three kids and doesn't work, and she's asked for the same amount. Enter the Money Moral Maze: Should my friend pay his daughter to do the ironing? | Suggest an MMD | View past MMDs THE QUICKIES - Debt-Free Wannabe chat of the week: Help with catalogue bills/interest? |
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| MARTIN'S APPEARANCES (WED 29 AUG ONWARD) Mon 3 Sept - This Morning, ITV, from 10.30am MSE TEAM APPEARANCES (MOST SUBJECTS TBC) Fri 31 Aug - BBC South West stations, Good Morning with Joe Lemer, from 5am, PPI reclaiming |
| QUESTION OF THE WEEK Q: I have plenty of mobile data and a good signal - can I use it to get away without paying for broadband at home? George, via email. MSE Weleid's A: To do this, you need to use your phone as a mobile hotspot, called tethering. This creates a wireless network from your phone that you can connect other devices to such as a TV or laptop. Not all mobile networks let you do it, and some impose restrictions, so check. But this approach comes with risks, as a standard broadband connection is less likely to drop out. Also, using the internet on your phone will sap battery power. To help you make a final decision, compare both the best mobile deals and best broadband deals as broadband can cost less than you think. Please suggest a question of the week (we can't reply to individual emails). |
| WE'RE NOT FASHIONISTAS, BUT £45 FOR A YELLOW HIGH-VIS COAT? EH? That's all for this week, but before we go... parts of social media went into a frenzy after a neon yellow high-vis coat went on sale last week for £45 - the cyclists at MSE couldn't tell the difference between it and their much cheaper safety jackets. So being the MoneySavers we are, we found a similar number for £10, but other than as a safety outfit, or if you really need to be seen, would you touch either? Share your thoughts on our high-vis coat Facebook post. 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 bank.marksandspencer.com, apply.mbna.co.uk, santander.co.uk, moneysupermarket.com, confused.com, comparethemarket.com, gocompare.com, admiral.com, ageuk.org.uk, co-opinsurance.co.uk, directline.com, churchill.com, aviva.co.uk, halifax.co.uk, sainsburysbank.co.uk, plus.net, idmobile.co.uk, mobiles.co.uk, smarty.co.uk 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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