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DON'T believe the fake ads on FacebookLots of scam ads that litter social media lie that we or Martin promote Bitcoin, binary trading etc. See Fake ads warning. |
New. 30mth interest-free credit card for new spending If you've budgeted, planned, affordable borrowing that you NEED to do (ie, replacing a worn-out sofa or old fridge), 0% credit cards are the cheapest way if used right. Though NEVER borrow willy-nilly to fill income gaps. Now there's a new top pick from Virgin Money which gives 30mths interest free, and unlike similar 0% cards, you definitely get the full length if accepted.
Tip 1 - Some cards are 'up to' a certain 0% length, so you may get a shorter 0% even if accepted. If not an 'up to', you get the full length if accepted, as you do with Virgin, Sainsbury's and M&S. Tip 2 - Fix payments to clear within the 0% time to avoid interest. Divide what you owe by the number of 0% months and repay by direct debit or standing order. Eg, spend £3k and over 30mths it's £100/mth to clear. Follow the 0% Card Golden Rules. Full info in 0% Spending Cards (APR Examples), but in brief... |
Read why Martin's suing Facebook for defamation: in his own words. It's been everywhere. MSE founder Martin Lewis (in a personal capacity) is launching a groundbreaking law suit against Facebook scam ads using his pic - to help protect vulnerable people. Any proceeds to go to anti-scam charities. Read why Martin's suing: in his own words Ends Mon. Fast fibre broadband from '£18.23/mth'. Last chance to get Vodafone up-to-38Mb b'band for '£18. 23/mth or even faster Vodafone up-to-76Mb for '£23.23/mth'. Both are 18mth deals & you must claim a £50 Amzn vch to nail those prices. PS: Vodafone's site was down after we featured the deals last week but it says it's now fine. Hit by TSB's IT meltdown? You could be owed money. Particularly if you've been unable to make payments. TSB help FREE £20 eye test at Optical Express. MSE Blagged. Plus 10% off £110 glasses & lenses voucher. Spec-tacular Fortnite bill shock: '7-yr-old spent £80', 'my son spent £150' - how to prevent it. It's the latest gaming craze, but kids are racking up huge spends. How to stop spending on Fortnite Super-cheap Easyjet flights for Feb/March 2019. But you'll need to be quick. Incl Feb half-term. Cheap Easyjet Obligatory Will & Kate baby story: Free nappies, £100+ of Argos/Mothercare coupons & much more. Congrats to our royals, and if you've a new little prince or princess, it can cost a fortune. For the right royal MoneySaving treatment, see our 58 baby savers. |
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£700 of FAMILY mobile, travel and breakdown insurance for £156 For a monthly fee, packaged bank accounts give insurance such as travel, mobile and breakdown cover. In recent times, Nationwide and Halifax have been vying for top spot, but now Halifax is hiking its fees. The key is to work out which of these policies you would normally buy separately and add up how much they cost per year, then compare to simply paying the account's annual fee. Full info in Top Packaged Accounts, in brief... Get up to £700/yr of insurance for £156/yr. The Nationwide FlexPlus* account is a cracking option, especially for families IF you'll use the perks. It charges £13/mth and gives the following:- Mobile cover for your family's smartphones, incl latest iPhones and Samsungs. The cheapest similar single phone cover elsewhere is £70/yr for up to the iPhone 8 & Samsung S9 and £100/yr for the iPhone X. - World family travel insurance. Incl business, winter sports & golf cover up to age 74. It also covers children travelling independently if they are under 19 and live with you, or under 22 if in full-time education. The cheapest comparable policies we found elsewhere are from £60 (solo) to £242 (family with at least one aged 65+). - UK & European breakdown cover. Covers all account holders in any car, and anyone you allow to drive your car. This can cost over £90/yr elsewhere. - 3% AER variable interest on up to £2,500. So you could earn £74/yr interest. Get £75 to switch but higher fees. The Halifax Ultimate Reward account has run Nationwide close previously, but its £15/mth fee rises to £17/mth on 1 July (you can reduce the fee by £3/mth by jumping through some hoops). While Halifax pays £75 to switch, Nationwide charges less per month, offers stronger insurance and pays interest. Full info and more options in Packaged Bank Accounts. Mis-sold your packaged account? You could reclaim £1,000s. If you were sold one, check if it's worth it. If so, great. If not, cancel, and check our Packaged Bank Account Reclaim Guide to see if you were mis-sold as the practice has been rife over recent years. Some get £1,000s back, such as Muriel: "I had a packaged account for 11 years that I was mis-sold - ended up getting a refund of £1,990." |
VICTORY. You've stopped people who are suicidal being harassed by creditors. Last week in this email Martin asked you to sign his Money & Mental Health Policy Institute charity's petition to temporarily stop heavy-handed creditors pursuing people hospitalised due to severe anxiety, depression and other mental health conditions. 10,000 of you did. Last night, the Govt agreed to change the law. Full info in 'Breathing space' victory. Free £6 Amazon spend... for some. Get bonus when you buy £30 of Amazon gift cards. Check if you're eligible. Reminder: Amazon free £5 off £25... for most (must sort by Mon), see Amazon £5. Season passes at Thorpe Park & Alton Towers for less than/same as a day ticket? Passes can be cheapest way to visit Chessington and Legoland too if you go regularly. See Merlin deals. 72 lavender plant bundle £5.45 all-in (norm £20). MSE Blagged. Or 48 for £5. Now's a good time with spring springing. Van Meuwen n> Hot Samsung Galaxy S9 contract, save £200+. We often say early adopters overpay, and guess what, a month after the flagship handset launched a hot deal has appeared. Now Vodafone newbies can get unltd mins & texts on a 2yr contract with 4GB data* for £190 upfront, then £23/mth. Over the 2yrs, that's around £200 less than buying outright and pairing with a cheap Sim. The S9 is not Moneysaving, but if you'll get it at least buy it cheap. Full info: Samsung S9 Deals Over 10,000 holidaymakers needed medical treatment abroad last year and had no EHIC. An MSE investigation's found many who needed sudden medical help didn't have the essential card which gets free or discounted medical care if ill in Europe. Make sure you get a free EHIC (or check yours is valid). |
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AT A GLANCE BEST BUYS
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Are you owed up to £520 per person for a flight delay? More can now claim after a European court ruling - check if you're owed from past 6 years Flight delays are nothing but painful when you're stuck in an airport or on the tarmac, but claiming compensation can be easy as Paul discovered: "I used your Resolver tool for a delay. Within days we received full compensation of £1,058." Check in with our Flight Delay guide and free reclaim tool for your full rights. Here's a quick pre-flight checklist: The key flight delay compensation rules. This is all about EU regulation 261/2004. While it's still unknown if it will be in force after we leave the EU, it very much still counts now... Use our FREE online reclaim tool - don't pay anyone to claim. The Flight Delay Reclaim Tool (in collaboration with complaints site Resolver) uses our template letters to draft your complaint, send it, keep track of it and help escalate it to the relevant regulator or ombudsman-style scheme if rejected – plus you keep ALL the compensation. See our Resolver guide for how we work with it. New. You can now claim for 'wildcat' strikes. You can't claim for a delay caused by an air traffic control or airport staff strike, as it's not the airline's fault. Yet the European Court of Justice last week ruled airlines MUST pay out for unofficial strikes called by their staff - they're illegal in the UK but can happen elsewhere. If you were delayed due to one in the past six years or if your claim following such a strike has been rejected, check if you can get £100s back. Not on a flight covered by EU law? Sadly, you can't claim under these rules. There are some avenues to try. See non-EU flight delay help. |
Magazine beauty freebies, eg, £24ish Elemis face cream. Also full-size £11 Nails Inc polish, £24 Rodial mascara. Via £5ish mags Free outdoor fitness incl yoga, bootcamps, gyms, timed 5K runs, etc. Now winter's gone, combine (hopefully) better weather with better fitness. Free outdoor fitness NEARLY £600 RECLAIMED FOR STUDENT LOAN OVERPAYMENTS - SUCCESS OF THE WEEK: We've updated our privacy policy & T&Cs. No surprise, you've probably had 100s of similar 'we're updating our terms' emails because of new EU 'GDPR' rules which give you more control over your data from 25 May, and we've gotta do it too. See our Privacy Policy & Terms. |
CAMPAIGN OF THE WEEK Have you used doorstep loans or shops such as BrightHouse? Citizens Advice wants to understand this area of high-cost credit better - how these products are used, how customers are treated and the impact on personal finances. Take its quick survey to share your experiences and shed some light on the sector. |
THIS WEEK'S POLL What do you buy second hand? It's cheap, and environmentally friendly, yet some people think only new will do. Let us know what you'd be happy to buy second hand, if it was decent quality and cheaper. What do you buy second hand? Men more likely than women to ask for a pay rise. Last week, we asked if you'd ever asked for a pay rise and received 6,152 votes. Encouragingly, roughly a third of respondents successfully asked for a raise, with men slightly more likely to pluck up the courage to ask for a bigger salary. Of those who haven't asked, being too nervous or not knowing how to bring up the subject of pay were reported to be the biggest obstacles, affecting 12% of men and 20% of women. See what else puts people off asking for a pay rise. |
MONEY MORAL DILEMMA Should I cut my sons out of my will? I have two sons who have been in a feud for 10 years. I've been caught in the middle and received foul-mouthed text messages from both of them. I now feel I want to make my will out in favour of my daughter only. Would that be wrong, after all they've put me through? Enter the Money Moral Maze: Should I cut my sons out of my will ? | Suggest an MMD | View past MMDs THE QUICKIES - Debt-Free Wannabe chat of the week: Tackling historic debt |
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MARTIN'S APPEARANCES (WED 25 APR ONWARD) Thu 26 Apr – Good Morning Britain, ITV, Deals of the Week, 7.40am MSE TEAM APPEARANCES (SUBJECTS TBC) Wed 25 Apr – BBC Cumbria, Money Talks with Ben Maeder, from 6pm |
QUESTION OF THE WEEK Q: My flat's just been connected to gas and I need to find a supplier. I've been told I need to set up a British Gas account, so it can install the meter. I don't want to pay BG prices – is there another way to do this? Kirsty, via email MSE Steve B's A: Once your property is safely connected to the main grid, you'll be provided with a Meter Point Reference Number (MPRN). When you have this, you'll need to get an energy provider to install a meter, so you can be billed for your usage. It doesn't have to be British Gas though. All the big six firms have to offer this service (few, if any, others do), and they are not allowed to charge you. Whichever provider you go with will also require you to sign up to one of its energy tariffs at the same time. Your best bet is to do a comparison first with our Cheap Energy Club to find the cheapest deal. If that firm installs meters, go with it. If not, you could sign up to a firm which does install meters, opt for a tariff with no exit fees and then switch straight away to your favoured provider - though you'll need to weigh up if the savings are worth the extra hassle. |
'THE CARD MACHINE SAID £300,000 FOR A KEBAB - LUCKY I CHECKED IT' That's all for this week, but before we go... when the news of an online shopper being mistakenly charged £900 for a banana hit the headlines, MoneySavers were quick to share their tales. A £5,000 direct debit for a month's gas, a £9.50 charge for a 65p packet of rolls and a near-miss on a £300,000 kebab all show the importance of checking your bills. Share your overcharged mishaps in our overpriced banana Facebook post or on Twit ter. 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 uk.virginmoney.com, mbna.co.uk, sainsburysbank.co.uk, bank.marksandspencer.com, nationwide.co.uk, mobiles.co.uk, halifax.co.uk, moneysupermarket.com, confused.com, gocompare.com, comparethemarket.com, directline.com, aviva.co.uk, admiral.com 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. Registered number: 8021764. Registered office: One Dean Street, London, W1D 2EP. 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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