Savings Accounts: Fix at 4.5%, or get 3.21% easy access
Best Bank Accounts: Get 0% overdraft for a year, or £100 bonus.
Regular Savings Accounts: Earn up to 4.25% interest
It's possible to earn a big 4.25% on your savings, even though most best buy tables tell you around 3% is the maximum!Are your savings safe?: Full guide to protect your cash
The first £50,000 you save per person, per institution is 100% safe. But it's not always so simple. Full bank by bank safety check-up.Top New Cash ISAs: Earn 3% instant access, tax free for the 2009/10 year.
Every UK adult can save up to £3,600 a year in a Cash ISA, plus that's increasing to £5,100; simply a tax-free savings account. The top rate's currently 3%.Bank Charges Reclaiming News: Court of Appeal agrees charges can be unfair
A massive victory for bank charges reclaiming, as the Court of Appeal agrees charges can be subject to 'unfair contractual terms' laws. It's confirmed the High Court's decision of April 08. Now all that's left is for the OFT to decide whether charges ARE unfair.
TopBank Accounts
Bank Charges Reclaiming News: Court of Appeal agrees charges can be unfair
Best Bank Accounts: Get 0% overdraft for a year, or £100 bonus.
Credit Rating: How it works and how to improve it
Actually credit ratings don't exist. Each lender has its own scoring system. Find out how banks assess whether to lend to you, a loophole to check all files instantly for free, and use the credit checker tool to help improve your score.The Budget Planner: Free tool to manage your money
This detailed guide includes the unique, free fully automated budget planner tool; which assesses your finances to see if you spend more or less than you earn and then helps you work to stick within budgetBank Charges: Reclaim them, they’re unlawful, inc. free template letters
Bank charges for exceeding overdraft limits are unlawful. The Court of Appeal's slapped down banks attempt to overturn the test case victory. Put a claim in & get in the queue to join the millions who got £1,000s.Cheap Travel Money: Pick the right plastic to spend abroad
If you’re going abroad or spending on a foreign website, boost your spending power by £100s using specialist credit and prepaid cards and a free tool to find the best foreign currency rate for every country.Debt Problems: What to do & where to get help
This step-by-step checklist for anyone worried about problem debts includes how to get cheaper credit, challenge loan agreements, budget. Plus full details of non-profit counselling services if you're in crisis.Foreign Currency: Send or spend money internationally
Sending money overseas means double the currencies, complication and cost. This is a step-by-step guide to the cheapest way to send or pay money abroad, both regular or one-offsID Fraud Protection: Loophole to get protected for free
Two credit card companies offer free ID fraud help services. Best of all, these apply even when the fraud is on other cards or products. So simply grab the cards, and you're protected even if you never use them!Direct Debit D-Day: Stop wasting your cash
Whether it’s a Direct Debit, standing order or regular payment, it’s possible there’s £100s of millions of regular payments dripping from our bank accounts for things never used. Find out which to ditch, which to savour and how to stay safe.Refer a Friend: Bag free cash from current accounts
Team up with a friend and there's serious free cash available by playing current account providers. Better still you'll also end up with one of the best current accounts on the market.Teen Cash Class Guide: Turn yourself or your kids into Money Saving Experts.
This free 40-page PDF guide is based on Martin Lewis’ lesson plans for his ITV1 programme ‘Tonight: Teen cash class.’ It’s designed to teach children and adults about the three key Money Saving lessons, and can also be used by teachers as a basis for class room discussions.IVAs are they worth it?: Free guide to download and print
Contrary to the TV adverts’ hype, Individual Voluntary Arrangements won’t magically wipe out your debts; they’re are a cut down form of bankruptcy, only suitable for specific people. This detailed free PDF, will explain how they really work, whether they’re right for you, and the alternatives.Student MoneySaving 2009/10: Funding, borrowing and living as a student
No one should be put off studying because of student debts. Do it right and it's possible to get an education without money worries! This comprehensive guide to student life the MoneySaving way, suitable for current and future students, shows you how.ID Fraud, 25m people's details lost: Are you at risk? Protect yourself for free
Twenty five million people’s details have gone missing; and ID fraud fear is at fever pitch. Yet is there really anything to be scared of? And if there is, how can you protect yourself the cheapest way?Student Loans: Should you pay them off?
Rates will drop to 0% or less in Sept. It's one of the cheapest forms of borrowing, so is it worth paying it off early? What's the impact on your credit score of keeping it? How does it effect your mortgage? Full answers here.Top Student Accounts 2008/09: Slash borrowing costs
There's a huge difference between special student accounts; grab the best early and you could save £100s over the length of your course.Top Graduate Accounts 2008/09: Cut the cost of banking
If you graduated this year or in the last three years, switching to the top graduate account could boost your finances by £100s.Saving, Pensions & Investments
Are your savings safe?: Full guide to protect your cash
Regular Savings Accounts: Earn up to 4.25% interest
Savings Accounts: Fix at 4.5%, or get 3.21% easy access
This is a full best buy guide to maximizing your interest; including a unique calculator to tell you how much, long, or big your savings should be. Transfer your Cash ISAs: Boost the interest to 3% on past & present years
Providers push the view that once a cash ISA is open it's done. Wrong. Transfer and you could get higher interest on everything in it.Fixed Rate Savings: Lock-in at 4% to beat interest rate cut
Base rates have dropped to just 0.5%, by far the lowest rate in history. Yet if you're willing to lock your cash away, there's still a chance to grab decent rates. Plus Mortgage & Recession BriefingPremium Bonds: Are they worth it?
They're the UK's singularly most popular savings vehicle, but serious crunching of the numbers shows that for most, they simply don't stack up as a place to put real money. A must read for any premium bondholders.Top New Cash ISAs: Earn 3% instant access, tax free for the 2009/10 year.
Every UK adult can save up to £3,600 a year in a Cash ISA, plus that's increasing to £5,100; simply a tax-free savings account. The top rate's currently 3%. Reclaim Forgotten Cash: Get back old bank accounts, pensions & investments
It’s never been easier to get your or deceased relatives' money from old bank accounts, pensions, life assurance and investments. Just click on some websites, fill in your details, and it should come to you.Pay off debts with savings!: The Golden MoneySaving Rule
If you've both debts and savings, your bank will laugh at you as it rakes in your cash! It's likely you shouldn't be saving, not even for an emergency fund, but instead use spare cash to pay debts off, possibly even your mortgage!State Pension: Boost it and get more. Includes unique calculator
There are three ways to boost your state pension; buy more National Insurance years, delay taking it and maximise your entitlement to the pension credit. Full Q&A guide and special pension boosting calculatorDiscount Brokers: Get more investment for less money
Discount brokers allow you to buy investments more cheaply than going direct to the investment company. This full guide to cheap investing shows how they work, and uses the unique Buying Funds calculator to find which gives the biggest investment for your cash.Full ISA Guide: How to save and not pay tax
Individual Savings Accounts allow you to save cash or shares without tax. A full guide to how they work.Pension MoneySaving: Buy a different way to boost returns
A full guide to getting a MoneySaving pension, including a trick to beat the system that can add £1000s to your pension, just by buying it a different way!Best Child Savings: Use your child for a sneaky tax free allowance
Grab the freebies, grab the best interest rate and utilise all the allowance your children have for tax free savings. Not pretty, but it works!Starting Saving: Where to put your money
Should you bung your cash in ISAs, savings accounts or somewhere else? How to prioritise your savings.Tesco Savings Loophole: Top savings account with upto £60 of clubcard deals
Until 12 November, it's possible to bag a top savings account and grab £60 worth of Tesco Clubcard deals as a bonus. If you’ve got £1,000 to save it's a cracking deal.Interest Rates Guide: Everything you ever wanted to know!
Whether it's saving or borrowing, companies manipulate rates to confuse and mislead. Yet this five minute read covering the very basics, through compound interest, onto APRs, AERs and flat rates, gives you a powerful consumer weapon.Should I pay off my mortgage?: Saving v mortgage overpayments
Using spare cash to overpay a mortgage can save you a fortune. Yet questions abound over whether it’s better to dunk it in a cash-ISA, how mortgage interest calculations work, repayment penalties, emergency funds and more. This guide takes you through it and includes a specially designed calculator.Child Trust Funds: How to make the most of your voucher
Just got your voucher? A full guide to how it works, who's paying the most, and whether you should add to the account.Shares: The cheapest way to buy, sell and hold
The stockmarket's risky enough without dealing charges biting off any gains. Anyone with shares (or looking to buy) can now do it as cheap as blue chips.Cheapest Sipp: Build yourself a low cost DIY pension
It's possible to unleash yourself from pension providers and totally manage your own pension investments. Charges vary hugely, but pick the right provider and they won't eat away your gain.Financial Advice: When to get it, how to find a good one, and how to pay
Want financial advice for such things as protection products, annuities and financial planning? The aim is get truly independent advice, cheaply and from someone who really knows.Repensioning: Increase your pensions return without changing your risk
Existing private pension holders can increase the size of their pension fund by up to 4%, by snatching back the commission you're unknowingly paying. A massive boost at no extra risk.
Martin's Money Tips:
Week of 01 Jul 2009
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Economic uncertainty's rife, and picking troubled companies isn't easy, so it's crucial to protect yourself.
Section 75 Free protection for all purchases
Are my savings safe? Bank-by-bank guide
Recession Proofing Sort your finances
Meanwhile we'll carry on finding top deals & bargains.