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| DON'T believe the fake ads on Facebook |
| New Top Savings For nearly a decade savings rates have had as little interest as a Love Island contestant has in excess body hair. But things are finally picking up a touch, possibly as an increase in the UK base rate - the Bank of England's official borrowing rate - is now plausible. This week, two new market-leading deals have launched - so EVERYONE should check their current savings rates, and ditch and switch if these beat them. New. 1.4% easy access - simple, easy option. Coventry BS* pays 1.4% AER (0.4% is a 1yr fixed bonus), yet if you want to take money out often, beware it only allows 3 penalty-free withdrawals a year. Birmingham Midshires* offers 1.35% AER with unlimited withdrawals, but you must make your first deposit by cheque and unusually it closes aft er a year. Paragon pays 1.31% AER, has unlimited withdrawals and no end date. As these are variable accounts, the rates can change, so monitor them. You can open with £1+ and they full UK £85,000 savings safety protection. Full info and options in top easy-acces s savings.New. How to earn £50 cashback on near-top 1.95% 1yr fixed savings. Raisin* is a 'savings marketplace', first set up in Germany and now in the UK. It offers a range of accounts from some UK savings providers (though far from all), which its members can speedily switch between without lengthy application forms. Newbies opening an account get £50, and the min deposit per account is £1,000. The top-pick Raisin product is ICICI Bank's 1yr 1.95% fix, only a touch less than the market's 2.1% top 1yr fix (with all fixes your money's locked away for the term). Put £1,000 in and over the year, incl cashback, you'll get £69.50 back, equiv to 6.95% interest. In fact with cashback it beats the best 1yr fix when saving up to £33,333 (though you could just put £1,000 in ICICI, and the rest in the top fix to get more). After the year, withdraw or move it to another Raisin account, as there's no further interest. - Important: Annoyingly you must claim the cashback. After opening ICICI via Raisin, pay in within 5 working days via a bank transfer to Raisin's partner Meteor Investment Management (MIM) account, and it'll earn ICICI interest within 3 days. Then to claim the cashback, email 'bonus@raisin.co.uk' with the subject line 'Launch bonus' and your name within 30 days - it won't remind you. The £50 will be paid within 60 days. Though we should say, as it's newish we've no real customer service feedback yet (do let us know). - Are my savings safe with Raisin? Technically your money is held in trust in an MIM client account - with RBS for up to 3 days, then with whichever bank you save with. Yet the Financial Services Compensation Scheme has confirmed in this type of structure you still get the UK £85,000 per person, per institution savings safety protection of the account provider, ie, ICICI (in the few days before it gets to ICICI it's via RBS's protection). |
| Eat 'free' when you shop at Ikea. To find out how to get 'free' meals at its canteen, see eat for 'free' at Ikea. Annoyed at Virgin ditching 10 UKTV channels? Tool up on your rights. See Virgin rights, incl Martin's fight back video. Free £50 Tempur travel pillow. Just for lying down in a store and doing a survey - a freebie to dream about. Free Tempur pillow Stay cool: heatwave & hosepipe help
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| 10 overseas holiday hacks before you go Cheapest euros, free translator, sun-cream trick, EHIC warning & more If you're counting down the days to an overseas summer adventure, we've packaged up a plane-load of quick tips and tricks to help you stretch your pound further, while enjoying sun, sea, sand and... sangria. So buckle up, here we go... 7 airport rip-offs... and how to beat 'em. Incl bag free water and dodge airport drop-off fees. Airport rip-offsFree app to translate 59 languages - and it won't use your data. See free translator. ALWAYS pay in local currency on card. See Martin's pay in euros explanation. Turn used sun-cream bottles around before buying more. For why, see our sun-cream saving trick. Also find £1 sun creams. Eat 'free' at 35,000 feet. Food's not restricted at security, so take your own to avoid stale sarnies at sky-high prices. Pack kids' car seats for free. They can cost £5+/day from hire firms, but see which airlines let you take one free. Is your EHIC out of date? 5m expire in 2018. How to check and renew for free. Find the best foreign cash rates from 30+ bureaux. Our TravelMoneyMax comparison takes seconds. Driving to France? Check if you need a sticker to avoid a £60 fine. Get car-ready across the Channel. Sunning yourself in Spain, partying in Paris or relaxing in Rome? Check out our MoneySaving destination guides to... Amsterdam | Barcelona | Costa del Sol | New York | Paris | Rome |
| 180+ FREE museums & art galleries, incl V&A (London) & Museum of Science & Industry (Manchester). Perfect for the summer hols. Find your nearest Stream music with no ads FREE for 6 months. Handy if you've used up other free trials. Tidal save 30% off Christy towels, bedding etc. MSE Blagged. Incl sale, eg, £25 bath sheet for £8.25. Christy code Cheapest Samsung Galaxy S9 contracts for mid/high data users. Vodafone newbies can get the S9 on a 2yr contract with unltd mins & texts. You can choose 4GB data* for £100 upfront, then £ ;23/mth, or 20GB* for £50 upfront, then £30/mth. To get these upfront prices, you'll need to click 'Add Voucher' at the basket stage and use code MOBILES10. This beats buying the phone and Sim separately - usually the cheapest way to buy a new handset - by up to £280 over the 2yrs. S9 deals Cornerstone shaving set £19 all-in (norm £36). MSE Blagged. Incl personalised engraved razor, six blades, face wash, scrub, gel and balm. 7,000 avail. Shaving set Secondary school teachers, spread the word about the new FREE financial education textbook. Martin's funded the Young Money charity to write and send up to 500,000 copies of the first-ever financial education curriculum-mapped textbook to all English state secondary schools. Please tell colleagues to expect it. Full info and Martin's video |
Tell your friends about usThey can get this email free every week |
| AT A GLANCE BEST BUYS
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| New. Cheapest EVER loans - from 2.7% Well, call us Mystic Meg, but as we predicted last week there's a new cheapest-ever loan of 3.2%, if you need to borrow £5,000 to £7,499. And that's not it, as rates were already at their cheapest ever level for £7,500 to £15,000 sums - at 2.7%. Yet however much you borrow, getting accepted is the issue, so ALWAYS use our Loans Eligibility Calculator first. It shows which (of most, not all) top loans you've the best chance of getting before you apply, without hitting your creditworthiness . Should you get a loan? We're not saying do it as it's cheap. Only apply if you NEED one, you've budgeted and can afford repayments. If in doubt, don't risk it. Also see our golden rules below for more help. Cheapest personal loans (but beware representative rates). As all loans are 'representative APR', that rate ONLY needs to be given to 51% of those accepted - others can be charged more. All below are for 1-5yrs.
Loan Golden Rules. Full help in our Cheap Loans guide. a) Minimise the amount and repay as quickly as you can. b) Pay on time or risk a charge and credit black mark. c) If borrowing to repay card debt, balance transfers are often cheaper. | ||||||||||||||
| Fun summer activities (and life skills) for 16-17-year-olds for £50. Government-backed Eng and NI scheme incl nights away - gets teens abseiling, canoeing and more during the summer hols. National Citizen Service A YEAR'S 2FOR1 MEALS AND MOVIES FOR LESS THAN £2 - SUCCESS OF THE WEEK: |
| THIS WEEK'S POLL Do you just head to Amazon when you shop online? Last year, retail heavyweight Amazon reportedly accounted for over a third of online spending in the UK. So we want to know if you compare prices when shopping online, or whether you just head to Amazon out of habit? Just head to Amazon when shopping online? Roughly HALF the self-employed don't contribute to a private pension. Last week we asked how much you save into a pension - over 8,000 responded. Half of those who are self-employed are not paying into any private pension, while the vast majority of employees are - with over-35s generally saving more towards retirement than under-35s. See our full pension poll results. |
| MONEY MORAL DILEMMA Should I report my broken meter to my energy supplier? I have Economy 7 electricity. I've just noticed something wrong with my meter, meaning I'll pay less in future. Should I report it to my supplier? Enter the Money Moral Maze: Should I report my broken meter? | Suggest an MMD | View past MMDs THE QUICKIES - Debt-Free Wannabe chat of the week: Struggling with debt? Ask a debt adviser a question |
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| MARTIN'S APPEARANCES (WED 25 JUL ONWARDS) Thu 26 Jul - Good Morning Britain, ITV, Deals of the Week, 7.40am MSE TEAM APPEARANCES (MOST SUBJECTS TBC) Wed 25 Jul - BBC Cumbria, Money Talks with Ben Maeder, from 6pm |
| QUESTION OF THE WEEK Q: If two friends are buying a flat together in London worth £500,000 and are first-time buyers, can they both use their Help to Buy ISA and get the 25% bonus on their savings? Dette, via email. MSE Rosie's A: Unfortunately, as you're buying a flat in London worth more than £450,000, neither of you will be able to get y our 25% bonus and use it towards the purchase. However, if you were jointly buying a flat worth up to £450,000 (or £250,000 outside London) you WOULD both be able to use your Help to Buy ISA money and bonuses towards it. For more on Help to Buy ISAs, and the similar Lifetime ISA which also gives a 25% boost to first-time buyers, see our Help to Buy ISA and Lifetime ISA guides. Please suggest a question of the week (we can't reply to individual emails). |
| MSE SPORTS DAY 2018 - THE WINNERS & LOSERS That's all for this week, but before we go... the annual MSE sports day was held last week in blistering temperatures, and the competition was equally hot. Want to know how everyone got on in the 100m, plank challenge, limbo and good old three-legged race? For the lowdown, and loads of pics too, see our MSE sports day 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 coventrybuildingsociety.co.uk, birminghammidshires.co.uk, raisin.co.uk, sainsburysbank.co.uk, mobiles.co.uk, mbna.co.uk, santander.co.uk, confused.com, moneysupermarket.com, comparethemarket.com, gocompare.com, directline.com, aviva.co.uk, zopa.com, admiral.com, culoans.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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