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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 |
Slash your mobile bill in minutes: 'Ta, I'm saving £265 a year' You keep your number, yet can slash your monthly bill, so if you're out of contract CHECK NOW Your Sim's the little chip you slot into your phone to make calls and get online. You normally get it as part of a new phone deal, but many stick with the same tariff once it ends, and as prices of Sims have plummeted in the last two years, many are overpaying. If you're out of contract and your phone's unlocked, most shouldn't pay more than £10/mth, and as Sally found out - switching can bring big savings: "Thanks for the Sims tip. I'm saving £22/mth, about £265 a year." Here's how to do it... Check your usage to get the right Sim. Buy too low an allowance and you're penalised if you go over. Go too high and you're paying unnecessarily. Initial results from our poll suggests that 74% of you use 5GB/mth or less. So simply check recent bills to get your actual usage, or if unsure, try a free tool such as Billmonitor*, which tells you your past use (but you need to give it your mobile account login).Low users - pay £5/mth. Via this link, new customers of iD Mobile* (uses Three's network) pay £5/mth for 2.25GB of data, 250 mins &a mp; 5,000 texts. It's a 30-day contract, so if you find you're using more you can switch again. Medium users - pay £9/mth. Anyone not currently in contract with Virgin Mobile* (EE network) can get 5GB, unlimited texts & 1,500 mins (equiv to 50 mins' worth of calls per day) for £9/mth on a 12mth contract. High users - pay £14/mth. Via this link, new Three* customers or those who need a second line can get 12GB + unltd mins & texts for £14/mth on a 12mth contract. You can keep your number, and other top tips for a smooth switch. This terrific trio of helpers are key: - 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. For more options, incl special deals for BT broadband custs, see our Cheap Sim-only guide. |
'I paid 67p for a £41 shop'. Best 'wombling' story we've seen. Read Stuart's 67p story for how. £4.75 Topshop, Zara, New Look or equiv 'de-tagged' shoes, jackets, dresses etc. MSE Blagged. Discount retailer sells surplus stock from popular high street stores + non-branded clothing. Norm £5 + a min £3.95 delivery charge, but our code gets it for £4.75 all-in. Till Fri. Everything5pounds Updated. Martin's 'student loan interest 6.1% - panic or pay it off?' guide. The Govt has promised to increase the student loan repayment threshold, which changes the maths, crucial as get this wrong and you risk LOSING £1,000s. Read Martin's graduates' 6.1% interest guide. Pls share with anyone impacted. New cheapest loans - £5k to £7.5k for 3.3%. Last week we showed how to borrow at 0% on a credit card. Yet if you need £5k+, loans normally win, though ONLY borrow if it's planned and affordable. After recent rate cuts, the top deal for £5k-£7.5k loans is Admiral* at 3.3% rep APR. Need more? M&S Bank* is 2.8% rep APR on £7.5k-£15k. You're credit-checked when you apply so use our free Loans Eligibility Calc to find which you've the best chance of getting, without hitting your score. Full help and more best buys in Cheap Loans. Victory for MSE - Tesco to keep 4x boosted Clubcard Rewards till June. Follows furious customer backlash and Martin's intervention against last week's no-notice cut. Full details in Tesco rewards. Check your credit score, credit report and affordability score for FREE. See what lenders see, plus tips to improve your scores and much more. Join the MSE Credit Club |
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Make £1,200 by being a bank tart - 'It's paid for Xmas & holidays' MoneySaver Anthony and his wife have made £680 over the past 6mths - and still another £500 to go Last week we revealed the secrets of the hidden movement sweeping the UK (drumroll, please)... bank tarting - ie, grabbing easy, free cash from switching bank, then doing it again and again to net £100s. We've been inundated with successes since, some of £1,000+, such as Anthony's below. And you can join the tribe by taking advantage of the current bank-bribe war - see bank tarting explained, incl up to a combined £600/person in upfront cash. |
EXTRA 10% off 'best before' ending groceries, eg, 36p Lucozade. MSE Blagged. Online shop sells discounted food close to or past 'best-before' dates, but still safe to eat. Our code makes it even cheaper. Min £22.50 spend + del, so best for bulk-buyers. Approved Food Cornerstone shaving set £14 all-in (norm £36). MSE Blagged. Incl personalised razor, 6 blades, face wash, scrub, gel and balm. 10,000 avail. £14 Cornerstone set Do you know when your MOT is due? Get a FREE Govt reminder to avoid a £1,000 fine. Takes 1min. Free MOT reminder 50% off Which? wills code. MSE Blagged. Write a will online, and it's checked by a specialist. Singles cost £84.50 with code WML1S or £129.50 for couples using WML1M via Which?*. We've also blagged discounted wills from Co-op Legal Services*. Singles are £99 (norm £150), couples £185 (norm £234). You draft it online and it's checked by a specialist who calls and writes it for you. Co-op will also store it for free. See Cheap and Free Wills for full info. Extra discount codes that work on sales: Nike 25% off, Urban Outfitters 30% off and Body Shop 40% off codes. Final boosts on January sales, mainly online. Sales codes 8 craft beers for £12 (similar £27). MSE Blagged. 1,000 boxes of eight available from Beer52. Pls be Drinkaware. |
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AT A GLANCE BEST BUYS
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Can you make £2,018 extra cash in 2018? Each New Year forumites share their top ideas to boost their income - cajoling, supporting each other and sharing ideas to take it to the max, as is happening right now in the Save £2,018 in 2018 club. With that inspiration, we've revamped our 70 Ways To Boost Your Income guide to make it a fiscally fab year. Here are our top picks... Not used it in 2017? Get cash for clutter. Walk round your home doing a personal stocktake. If you've not used something since last Jan, consider flogging it. As Zoe said: "I've made £200-&poupound;300 selling on Facebook, it works well - no fees, no trips to the post office." See our 40+ eBay Selling Tricks and 28 Facebook Selling Tips.New. Free £5 when you sell £20+ of CDs, DVDs, books & more. Get instant quotes and quick cash from sites that bulk-buy old music, films etc. Plus one gives an extra £5 when you sell £20+. See Sell old DVDs, CDs & more. New. Sell designs for T-shirts, mugs, phone cases & even socks. Got a creative streak, or a cool slogan? Special websites let you upload designs which they add to their blank T-shirts, mugs etc. They put them on sale and do the printing, posting etc, and you'll get paid per item bought, eg, £6-£9 for a T-shirt. Get paid for your designs Flog old jam jars, coat hangers & more for cash. Eg, make up to £1.35 per jam jar, 35p per loo roll, £8 per perfume bottle. Sounds like rubbish, but it works - as forumite cherrylips76 found: "I've sold empty perfume and aftershave bottles at £5-£8 each on eBay." Sell your junk Grab free Amazon vouchers for doing a spot of window shopping. Simply download a free smartphone app and you can earn Amazon vouchers for snapping pics of job ads in shop windows. Forumite FatVonD said: "Another £18.15 in Amazon vouchers - walked up one side of the high street, back the other and bingo." Snap job adverts Get paid to watch telly - Gogglebox without the TV camera on you (kind of). Telly addicts can cash in by getting paid for their opinion. You could get up to £70 for a 2-hour focus group, or £3 a survey. See Review TV. |
Want an MSE Charity grant? It's offering awards of up to £7.5k to organisations that teach financial life skills to people living with long-term challenges - such as a learning difficulty or disability - and their carers. Applications open on Thu 1 Feb. Find out more and how to apply via the MSE Charity. SUCCESS OF THE WEEK: 'I RECLAIMED NEARLY £400 IN JUST 10 MINUTES' £16 for two ready-planted pansy containers. MSE Blagged. Choose plastic or rattan pots for instant garden colour. |
THIS WEEK'S POLL Are you data greedy? How much do you use on your mobile? With the growing use of social networks, streaming services, gaming and more all done on mobiles, we wanted to see how much data you crunch in a month. How much data do you use on your mobile? |
MONEY MORAL DILEMMA Should we reimburse our guest's train tickets? We invited an elderly friend who lives a long way away to visit us for a few days but had to ask her to cancel at short notice due to illness, after she'd booked her train tickets. Should we refund the cost? Enter the Money Moral Maze: Should we reimburse our guest's train tickets? | Suggest an MMD | View past MMDs THE QUICKIES - Debt-Free Wannabe chat of the week: £2 Savers' Club 2018 |
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MARTIN'S APPEARANCES (WED 24 JAN ONWARDS) Thu 25 Jan - Good Morning Britain, ITV, Deals of the Week, 7.40am MSE TEAM APPEARANCES (MOST SUBJECTS TBC) Wed 24 Jan - BBC Cumbria, Money Talks with Ben Maeder, from 6pm |
QUESTION OF THE WEEK Q: I'm about to pay a large sum off my credit cards, and cut them up. Is it better for my credit history if I call the credit card companies and close the accounts or is just paying them off enough to improve my score? Jackie, by email. MSE Nick's A: Improving your credit score is an art, not a science. It's good that you're paying off some debt, but whether to close down an account for the sake of your credit score comes down to a few different factors. One of these is 'credit utilisation' - the percentage of credit available to you that you're using. Lenders don't like to see you using too much of your available credit, as this can make you look financially stretched, but they want to see you using at least some - we usually say to aim for around 25% utilisation or less, ie, if you've £10,000 of available credit across your cards, 25% is a £2,500 balance across them all. But it's not just about using a sensible level of credit. Closing long-held, well-managed credit cards could have a negative impact on your credit score, especially if one or more of them have a high credit limit. Get full help in our Should you cancel old cards? guide. Please suggest a question of the week (we can't reply to individual emails). |
'I COULDN'T FILE MY TAX RETURN BECAUSE... MY WIFE WAS SEEING ALIENS' That's all for this week, but before we go... what's the worst excuse for doing a chore you've heard? Aliens, spilt coffee and being scared to go upstairs all feature in the most unbelievable 'reasons' for late tax returns, according to HMRC, ahead of the 31 January self-assessment deadline. Join in the conversation in our worst excuses 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 billmonitor.com, idmobile.co.uk, store.virginmedia.com, store.three.co.uk, bank.marksandspencer.com, admiral.com, co-oplegalservices.co.uk, willsoffers.which.co.uk, apply.mbna.co.uk, halifax.co.uk, confused.com, moneysupermarket.com, gocompare.com, m.quote.comparethemarket.com, directline.com, aviva.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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