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LATEST MONEYSAVING EMAIL

LATEST MONEYSAVING EMAIL

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Apr 23

This week: Over 50 ways to save incl...1,000 free Nectar pts, CPP wins, 31mths 0%, sausage skimping, H&M 30% code, 2for1 gardens, 22 Burberry coat

Quick message from Martin - Get this emailed

"Hi. This free, spam free weekly email is the key way to save. We put all the latest deals, guides and loopholes in, yet many close within hours. Don't miss out, join the 8m who get it each week."

This week

Slash holiday costs: 10 hushed tips
"I got a cheque from CPP for £625"
Shift debts to 31mths 0% lower fee
Don't skimp on m'sausage
10-min benefit/tax credit check-up
DOUBLE your Nectar points' value
...plus get 1,000 FREE Nectar points
'Are you owed money?' checklist...
1. Got a £50 note? 2. Student in '90s? 3. Due stamp duty rebate?
LOOPHOLE: £1 for many £6 gift sets
A year's 2for1 entry at Kew & Eden
"I got a free £80 coffee machine on £130 home insurance"
FLASH 20% off M&S Outlet Extra
Check your tax code now
25% off 6+ wine & bubbly at Tesco
CODES: 30% off H&M, 30% off shoes, 20% off Jack Wills
£12 Eyeko lash curler free with mag
Oxfam sale, eg, £22 Burberry coat
Asda baby bargains
Ends Thu: £20 off iPad Air & Mini
10p/L off petrol with £60 shopping
Vouchers Index: Restaurants / Shopping
Best Buys: 0% cards | Car insurance
Best Buys: Gas & Elec | Bank Accs

MARTIN'S QUICK BRIEFING: For more tips, alerts & awful puns, follow Martin on Twitter

10 holiday tricks they don't want you to know
The pound's at a 4yr high - here are our top tips if planning a trip abroad

The UK's improving economy means the pound's on the up (as it's predicted UK interest rates will rise sooner). The pound now buys $1.67, a four-year high, and €1.21, a good bounce up. Yet if you're going abroad now or this summer, firms hope you take a holiday from your money sense. Don't...

1. Secret hotel deals aren't so secret if you play detective. Both Lastminute.com* and Hotwire* sell discounted high-end secret hotel rooms, where you aren't told the name till you've paid. We can show you how to uncover secret hotels' identities before you pay, so you can see if you really want to stay there and check out how good the price is (often, it's good).

While that's for beginners, if you've time & patience, then the devastatingly good but fiddly bargains come via the Priceline Loophole. It takes time but as forumite leighbleigh found: "Booked the Marriott London Kensington for £58 instead of £203. Thanks Priceline."
2. You can bag perfect exchange rates in every country. Forget bureaux de change, forget bank cards. Those in the know get unbeatable exchange rates every trip by pocketing specialist (no annual fee) credit cards that give you cheap spending overseas in the hope you'll use them here too.

Yet if you just pocket one for when abroad, and repay it IN FULL each month to minimise interest, you win as these cards are 'load-free' worldwide. Most cards add a 3% load - spend £100 of euros and it costs £103. With these, £100 costs £100. Full info in Cheap Overseas Cards. In brief...

- Top pick: Halifax Clarity* (check eligibility) wins due to lower ATM fees.

- Poorer credit scorer: Capital One's Classic Extra* accepts some with older defaults or CCJs.

- Will you get one? Our free Overseas Card Eligibility Checker shows which of these specialist cards you've the best odds of success with.

Again, let me remind you this is only worth it if you repay IN FULL. If not, Halifax is 12.9% representative APR and Capital One a large 34.9% rep APR.

Even if you do fully repay, the cards charge a month's interest on ATM withdrawals (not spending). With Halifax, at the rep APR that's just over £1 per £100 - still far cheaper than most bureaux de change. Yet with Capital One, which also charges you a 3% ATM fee, it gets costly, so avoid.
3. holiday tricksHostels can have private rooms for £10/night including breakfast. Hostels may be dirt cheap, but they're not necessarily dirty. Take a look at this Victorian mansion on the right - that's a hostel.

So if you're on a budget, don't snob them off. For full help, see our Cheap Hostels and Holiday Stays info. If you're a hostel fan, we'd love to know your UK hidden hostel gems and your worldwide hidden hostel gems.
4. Travel insurance can be as little as £6 for a week. A staggering 48% of under-24s go away without travel cover, risking thousands of pounds of expenses. Yet buy it independently of the holiday provider and it can be dirt cheap. Though do get it when you book your trip, so you'll be covered if you need to cancel.

- One-off policies from £6: Prices vary with your age, destination & trip length, so for younger people taking a week in Europe it can be £6, and for a family with a 55-year-old going for 2wks to the US it's up to £33. To find the cheapest, use this MoneySup* comparison. Add Confused* too, if time.

- Annual cover from £13. Covering all of a year's holidays (unless over 24 days) for under-65s, this HolidaySafe (Lite)* cover's the cheapest that meets our min cover levels, at an age-dependent £13-£19 in Europe (£23-£28 world) and £27-£38 for a family (£46-£56 world). For more choice, including policies with good payback track records, see Cheap Travel Insurance.

- Over 65, or pre-existing conditions:
Here prices shoot up, so we've specialist picks to help. See Over-65s Travel Insurance and Pre-Existing Conditions.

Finally, if you're off to Europe, do check your Free EHIC isn't out of date.
5. Don't assume flight comparison sites search all airlines. Comparison sites speedily search a large number of flight prices. Yet they aren't all the same, different comparison sites do different jobs (full info: Cheap Flights).

- Cheapest price on scheduled flights: For most flights on big name airlines (eg, BA, Easyjet, Air India) we like Skyscanner* for ease & Kayak's* gizmos.

- Check cheap charter flights too: Flying to a traditional package holiday destination, eg, Majorca? Some charter flight operators sell off spare capacity. It's worth checking for these on Avro* & Flightsdirect*.

- Top one-stop-shop:
For scheduled & charter flights, try TravelSupermarket*.

- Find exactly when to book:
Use the Flight Insight tab on Momondo* to find the cheapest time to book for each destination.
6. "Commission-free" is meaningless - especially at airports. If you want foreign cash from a bureau de change, ignore "commission-free" promises. They often just give a worse exchange rate. Instead just ask "how many dollars/euros/dong will you give me for my cash after all fees?"

Our Travel Money Comparison shows the winner from 40+ online bureaux. If you pick up at the airport, where rates are almost always horrid, at least order in advance which tends to boost them (tool shows airport rates too).
7. For upmarket stays and downmarket prices, villas can smash hotels. If you can live without the 'being waited on' element, villas and apartments can massively undercut similar-quality hotels, esp if you're a larger group.

Our Cheap Holiday Rentals guide shows how to safely score discounts. We found a 3-bed Sicily villa for £375/wk - a similar-level hotel was £1,800.
8. Wear your luggage to outwit budget airlines' 'extra' charges. If you're flying on a budget airline, expect added 'extras' - such as charges to check in. Follow our 20 Budget Flight Tips to navigate these costs down, incl...

- Hold bags can be £150/rtn, hand luggage is often free. Check size limits.
- Wear multi-pocket suitcase jackets to carry up to 10kg extra free.
- Always check in online & print your boarding pass. If not, some airlines charge large, eg, Ryanair charges £70/person per flight.
- Avoid £1.50 Twix bars, however polite the hostess is. Airport security only bans liquid, not food, so take a plane picnic.
- Baby on board? Budget airlines charge up to £60/rtn to take a tot under two on your lap, so compare infant fees first.
9. You can park at the airport for far less than you think. Public transport usually beats driving, but not always, especially if you forgo airports' own car parks. The trick is to book early and spread your net wide, eg, a week in June at Stansted for £39, not £126, when booking in advance.

A number of websites compare prices, and we've bagged codes to make them even cheaper. Try Holiday Extras 10-30% off* | SkyParkSecure 13-25% off* | FHR 12-18% off*. For more help & tricks see Cheap Airport Parking.
10. The package holiday isn't dead - they can beat DIY web bookings. If you want a trip to a sun-filled traditional resort overseas, especially if you're booking for 7, 10 or 14 days away, check out packages & travel agents.

For prices skimpier than Rihanna's bikini, book very late. Yet if you need special facilities (eg, for families), book sooner. And don't think prices are fixed - you may be able to haggle them down. See Cheap Package Holidays.


These are just the trip of the iceberg - see the full 50 Overseas Travel Tricks.

Blagged for MoneySavers

Did you miss?

Get constantly cheap energy
Our club ensures you're always on the cheapest tariff.
Join free: Cheap Energy Club
Reclaim PPI for FREE
Claims handlers aren't more successful.
Free help & templates: Reclaim PPI

MSE News

Top story: Energy switching times to be cut in half
CPP reclaims: Cheques for big money being sent NOW
Refunds for 1990s students after loan company blunder
Urgent stamp duty rebate - are you due up to £1,500?
Buying goods using PayPal? You'll get better protection from June
Saved cash? Don't be shy, tell your mates.
If this email's ever helped you, please forward it to friends and suggest they get it via moneysavingexpert.com/tips
Use the Money Mantras If you're skint If you're not skint
The Ones Not To Miss Wed 23 Apr 2014
"I got a cheque from CPP for £625"
Don't miss your share of the £1.3 BILLION payout - we're drowning in successes for Card Protection Plan reclaims

In Feb CPP was forced to send 7m reclaim forms after years of systemically mis-selling often-useless CPP card & ID fraud policies. These were sold both directly and via banks - so if you had one of these plans, you've likely got a letter. Our CPP Help guide shows how to fill them in. Successes are pouring in (Martin's Twitter's almost blocked with 'em). In short...

  • cppWe've not heard of anyone who's followed our guide being rejected. And daily, we hear of successes, from £20 to £1,000+. Here are a couple to whet your appetite:

    Forumite Vigman got £1,080 back: "I used the MSE template statements. I got a cheque for £625 for my claim, £205 for my wife's, and £250 for my son's."

    Joanne tweeted: "My 72yo mum thought her CPP letter was a scam, I convinced her to fill it in: £260. Thank you." Please tweet your successes with #MSECPP or feed back in the forum.
  • Got a letter? FILL IT IN. The mere fact you got it means you had a policy and were almost certainly mis-sold. If you don't know what to write, our CPP form filling templates will help. While you've until 30 August to do it, there's a queuing system for processing claims - so the sooner you do it, the sooner you'll get your cash.
  • Lost your letter, or not been sent one? Many people tell us they binned them thinking they were junk mail. If so, or you didn't get a letter but think you've had CPP since 2005, don't worry - just follow our 'No CPP Letter?' Help.
  • CPP isn't the same as PPI. CPP schemes promised to insure you against card or ID fraud, while PPI covers loan, credit card or mortgage repayments if you can't repay due to accident, sickness or unemployment. You may have been mis-sold both, and could reclaim both (over £20bn of PPI was mis-sold). So also see Reclaim PPI For Free.

Get DOUBLE Nectar value - so 1,000pts gets £10, not £5, in Sainsbury's. Go quick. Until 13 May, you can swap 1,000 points for £10 on Sainsbury's electricals, clothing, home, beauty or magazines. Full info: Double Nectar

...plus free urgent 1,000 Nectar pts (worth £5-£10). Sign up at each of the 5 First Group train websites by Sun to get 200 points each time. Worth £5 at eBay, Argos or poss £10 at Sains (if you get it in time). Full info: Nectar Freebies

Urgent 'are you owed money?' checks...
Got a £50 note? Check it now | Student in the '90s - are you due a refund? | Are you due a stamp duty rebate?

LOOPHOLE: Pay £1, get as many £6 Cussons baby gift sets as you can find. Brilliant coupon loophole. The £6 set's on sale at £1 and contains a £1 coupon, redeemable against another set, and on, and on... Can you find them?

Shift debts to 31 months 0% - now with reduced fee
Longest EVER balance transfer deal's giving a £20 fee rebate | Plus 18mths 0% with poorer credit history

A balance transfer is when you get a new card that repays the debt on other cards, so you owe it instead at a lower rate. A price war's been raging for months; so much so the current top deal, the longest 0% ever, has just got cheaper.

  • New top balance transfer deals. Accepted new Barclaycard* customers can shift debt to it at 31mths 0% for a 2.99% fee. Plus, until 28 Apr, if you transfer £2,000+, you see a £20 rebate on your third statement (effectively cutting the fee to 2% on £2,000 or 2.5% on £4,000). There's a new poorer credit-scorer card too. Here's how they stack up.
TOP PICK NEW CARDHOLDER BALANCE TRANSFER DEALS
Aim for the lowest fee possible, provided you're sure you can repay in that time.
Card Intro offer One-off fee (1) Rep APR after
New deal: Barclaycard* Longest 0% card. 31mths 0% (2) 2.99% (3) 18.9%
MBNA* Allows you to 0% shift into your bank account too. 30mths 0% 2.89% (4) 18.9%
Lloyds* Long 0%, much lower fee if you can clear quicker. 24mths 0% (2) 1.5% 17.9%
Halifax* Get 15mths 0% on spending too. 15mths 0% 0.8% 17.9%
Sainsbury's* Long term low rate. 6.9% for life (2) None 6.9%
New card Barclaycard* Accepts those with limited credit history. 18mths 0% 2.9% 24.9%
Cap One Balance* Poor credit scorers. 0% until Nov 3% 34.9%
FULL INFO: Best Balance Transfers (APR Examples) 1) % of the amount transferred. 2) Some get a worse deal.
3) Accepted customers transferring £2,000+ get £20 fee rebate. 4) 4% fee on money transfers into your bank account.
  • Will you get these cards? The only way to know is by applying. Yet that leaves a mark on your file, which can hit your credit score. Far better to use our Balance Transfer Cards Eligibility Checker, which finds the cards that are most likely to accept you, so you can hone your applications. Unlike applying, it has no impact on your score.
  • Always obey the golden rules. a) Repay at least the set monthly minimum, or you may lose the 0%. b) Aim to clear the debt or shift again before the 0% ends, or rates rocket. c) Don't spend on these, it isn't usually at the cheap rate. d) To help decide, see our Which Card's Cheapest? tool. e) FULL info & FAQs in Best Balance Transfers.

A YEAR'S 2for1s for 300+ gardens, incl Kew and Eden Project. Card with £4 mag. Gardener's World

"Thank you - just sorted home insurance with Churchill*, £130 for the year and got a coffee machine worth £80."
- tweeted by Louisa this week. Find out what she's talking about with Hot Home Insurance Deals.

24hrs ONLY. M&S Outlet EXTRA 20% off code. MSE Blagged. Starts Wed 9am - on already-reduced items. M&S

Been paid this week? Check your NEW tax code's right or you could be underpaid. It's many people's first payslip of the 2014/15 tax year (which started on 6 April). Use our Tax Code Checker. Related: Income Tax Calc

Ends Sun. Buy 6+ wine/champers, get 25% off at Tesco. Buy any 6 bottles and get 25% off at Tesco.com* (IMPORTANT - it’s auto-applied, but not shown in your basket, just on delivery receipt) and in-store, incl already-discounted items. Full info: Wine Deals. Please be Drinkaware.

CODES: H&M 30%, Brantano 30% (incl Clarks, Adidas), Jack Wills 20%...
Shoes: Brantano 30% off incl Clarks, Nike etc, incl free delivery | Hi-Tec kids' shoes & trainers 50%, eg, £13 trainers
Clothes: H&M 30% off one item | Dorothy Perkins £5 off £30 | Jack Wills 20% off | Ann Summers 10% off / £10 off £50
Urban Outfitters 20% off MSE Blagged | Asos 10% off | La Redoute cheapest item free | ALL Discount Vouchers

Free £12 Eyeko lash curler in £4 mag | Totally FREE £6.99 Rimmel mascara. Full info in Beauty Deals.

Skimp on painkillers, but don't touch m'sausage
Slash £1,000s off your supermarket shop. We reveal your best and worst goods to downshift

Who says 'Finest' is finest? Only the supermarket flogging it. This is brand hypnosis, using packaging & presentation tricks to persuade us higher cost always equals better taste. Don't believe the hype - use our 30 Supermarket Tricks to fight back, incl...

  • The Downshift Challenge. Try dropping one brand level on everything. So Finest jaffa cakes -> McVitie's -> own brand -> Value (Sainsbury's Basics jaffa cakes are yum - Martin). If you can't TASTE any difference (beware packaging, it distorts our view), stick with it. Many people can only tell the difference on half the stuff.

    Our Downshift Challenge Savings Calculator shows the size of the savings. Last week we polled on the most popular things to downshift. Painkillers won, as only the active ingredient, not the brand, is all that usually counts (see Slash Medicine Costs) - but you wouldn't dream of letting anyone touch your sausages.
The Downshift Challenge - what would you drop a brand on?
Top downshifts Percentage who'd drop Top NO-downshifts Percentage who'd keep
1. Painkillers 93% 1. Sausages 84%
2. Tin foil 85% 2. Tea bags 65%
3. Socks/tights 75% 3. Shoes 64%
4. Bin bags 67% 4. Cola 62%
5= Pet food / Fruit & veg 57% 5. Underwear 54%
11,160 people polled in April 2014. See full downshifted goods result.
  • 30 more tips to slash supermarket costs. For how to compare your trolley online, maximise gains from Tesco and Asda's price check policies, time trips to bag the best yellow sticker reductions and more, see 30 Ways To Cut Supermarket Costs. Plus download instant click 'n' print Supermarket Coupons.
Show Best Buys
Click the titles for full info and all our top picks
Balance Transfers Car Insurance Cheap Loans Top Cash ISAs
Longest 0%: Barclaycard*
31mths 0%, 2.99% fee

(18.9% rep APR)

Low fee 0%: Lloyds*
24mths 0%, 1.5% fee

(17.9% rep APR)
Get quotes in this order...

MoneySupermarket*
Gocompare*
Direct Line*
Aviva*
Admiral MultiCar*

Hitachi* (£5k - £7.5k)
5.6% rep APR



Sainsbury's* (£7.5k - £15k)
4.4% rep APR

Halifax* 1.55% AER
Min £1, incl bonus
Online. Transfers allowed


Coventry BS 2.75% AER
Min £5,940. No transfers
Loophole: Fixed till May 2018


See Card APR Examples & Loan APR Examples


Oxfam up to 70% web sale, eg, Burberry coat £22. Plus £25 D&G shoes and a £22 Aquascutum jacket. Oxfam

Asda baby & toddler event. Incl 74 Pampers nappies £9 (were £11) & 6 Tommee Tippee bottles £10 (£25). Asda

Free 10-min benefits & tax credit check-up
Use your lunch hour to check whether you're getting what you're entitled to. Some may be missing big cash

The new tax year means changes to benefits and tax credits. Many working and not-working people may be missing out. The charity Turn2Us is asking people to check within their lunch hour. So we thought we'd show you how...

  • benefits check Don't assume 'I earn too much'. Tax credits especially spread higher up the income scale than many think. In rare cases, families with high childcare costs and £72,000 income are eligible. Here’s our rule of thumb on when to check (not the same as saying you’re entitled).

    - Family with kids: income up to £46,000
    - Family with no kids: income up to £18,000  
    - Over-60s/carers/those with disabilities
  • Free benefits check-up tool. Our detailed Benefits & Tax Credits Calculator asks a range of questions to see what you’re entitled to. It's been updated for the new tax year, takes about 10 minutes to do (so persevere), and will list your likely entitlements.

    If you need one-on-one help, make an appointment at your local Citizens Advice Bureau.
  • Check your likely take-home pay. To see if you're likely to be better or worse off, use our Income Tax Checker to calculate your new 2014/15 take-home pay. Then use the Budget Planner to ensure you're not overspending.

Ends Thu. iPad Air £379 (£399 elsewhere), iPad Mini £299 (£319). Via £20 Currys/PC World code. iPads

Sainsbury's 10p/L off fuel with £60 spend. Starts Thu. Joins mega-popular Tesco up to 20p/L off. Cheap Petrol


Show Best Buys
Click the titles for full info and all our top picks
Gas & Electricity Bank Accounts Home Insurance Landlines
Get constantly cheap energy.

Our club ensures you're always on the cheapest tariff.

Join free: Cheap Energy Club

Up to £30 cashback for dual fuel, £15 for single switches.

First Direct*
£100 bonus and top cust service


Santander 123*
Up to 3% cashback on bills

(£2 per month fee)
Get quotes in this order...

Confused.com*
Compare The Market*
Direct Line*
Aviva*

Post Office*
with weekend calls
£10/mth (pay a yr upfront)



BT Line Rental Saver*
£11.75/mth (pay a yr upfront)
Do a Money Makeover Budget Planner MSE car sticker £13 Travel Insurance
Show Vouchers and Top Deals

Restaurant vouchers

Discount vouchers

Top deals

The Moneysaving community
Show Money Saving Community
The MoneySaving Community

CAMPAIGN OF THE WEEK
Are you fed up with misleading prices and promotions?

The Trading Standards Institute runs a voluntary code for businesses called the Pricing Practices Guide. It lists best practice on how stores should price goods and services and offer discounts or promotions. The code's being updated, so now's your chance to tell your poor pricing tales. Whether it's for supermarkets, holidays, utilities or more, have your say by emailing ppgreview@tsi.org.uk, reading the full guide or sharing your stories in the MSE Forum, for example...
Do too many retailers rely on offer details found in small print when things go wrong? Do you think never-ending sales are misleading? Should multi-buy offers be clearer? Do you feel protected from unfair prices and promotions? Is too often the total cost not the total cost? Should promotional offers always be better value?

MONEY MORAL DILEMMA
I earn more than my flatmate - should I pay more bills?

This week's MoneySaver who wants advice asks... I rent a flat with a friend. I earn nearly twice as much as she does, but we split bills and rent equally. She's never complained, but she sometimes struggles. Should I contribute a larger share to help her out? Enter the Money Moral Maze: Should I pay more toward bills? | Suggest an MMD | View past MMDs

THE GREAT HUNT
Got a hidden hostel gem?
Don't think dodgy smelly dorms - some hostels are historic mansions. Most are clean, have private rooms & breakfast available. If you're a hostel fan, we'd love to know your hidden hostel gems. Where did you stay and what did you like about it? Share yours/read others': UK Hostel Gems and Worldwide Hostel Gems Past topics: View all

CHEAP FLIGHT SALES ALERT
Airline: Thomson Price: £30 off return flights Ends: Ongoing
Our pick this week is Thomson's ongoing sale, which includes taxes & charges. It's for flights between April and October 2014 to 67 international destinations from 19 UK airports. There's no code to enter, the discount appears automatically. Extra charges warning: Avoid payment and check-in charges - see the Budget Airline Fee Fighting guide. Related: Cheap Flights, Cheap Hotels, Spending Abroad, Cheap Currency, Travel Insurance

THE GREAT HUNT... REVEALED
MoneySaving in coffee shops

Last week, we asked for tips on saving cash in coffee shops. Splitting a large drink between two cups was a popular idea, along with child-sized hot chocolates, choosing an Americano over a latte and buying unadvertised 'short' sizes.
Or you could save even more and make one when you get home instead.

Quick forum tips

Freebie of the week

Martin's blogs

Martin's appearances

24 April
Daybreak, ITV, 7.35am-7.45am.
Deals of the Week.
24 April
Shelagh Fogarty, Radio 5 Live, 12pm-1pm.
Consumer Panel.
Subscribe to podcast.
28 April
This Morning, ITV, 11am-12pm.
Subject tbc.

MSE team corner

Discussion of the week

Ever felt you don't belong?

A trip to Pennsylvania made one forumite feel her real home was far away from where she'd lived all her life. She shares her experience in the Ever feel like you don't belong? discussion. Join the forum and add your thoughts.

Cheap travel money

UK's Best Currency Rates
£100 will buy you:
Best Worst
Euro Flag 120.66 110.11
US Flag $ 166.51 152.13
Turkish Flag TL 349.00 314.42
Rates correct at 4pm Tue
Find all top currency rates
Compare travel cash

This week's poll: Is your energy company's service any good?

Energy firms are the current pantomime villains of the business world, with a "boo, hiss" at their very name. Yet is this deserved? How does yours treat you? Every six months we ask - would you recommend your energy firm to others?

British Gas Co-operative Energy
E.on Ecotricity
EDF First Utility
Npower M&S Energy
Scottish Power Ovo Energy
SSE Sainsbury's Energy

Poll results

Do you pay for domestic services?
More than one in three voters get some help in to clean their windows - and nearly one in five get their homes cleaned.

- 38% pay for a window cleaner.
- 19% pay a cleaner.
- 14% use a gardener.
- 48% don't pay for any home help.

12,013 voted. See the full results.

Question of the week

Q: Can a friend get childcare vouchers for my kids? His employer runs a scheme and he thinks he can claim them, then use them to pay for my kids' childcare. Can he do this or does he have to be related? Tincat, in the forum.

MSE Jenny’s A: Nice idea, but, the answer's no - you need to have 'parental responsibility' for the child you're getting vouchers for. Though obviously, sometimes guardians such as grandparents have these rights and can claim.

It's fraud to use vouchers for a child who isn't the one they were provided for, or claim vouchers for a child who doesn't exist. People sign a declaration that they understand this when they apply. See full Cut childcare costs help.

Vouchers can't be exchanged for cash either - HMRC sees this as potential tax evasion. For this reason, most voucher firms issue them with the parent, child and care provider's names on them.

Please suggest a question of the week (we can't reply to individual emails).

 Free game of the week: 4 Differences

Revisit the past with the diary of Samuel Pepys

That's it for this week, but for fans of history, we thought you might like Samuel Pepys' blog. The civil servant's 1660s diary has been turned into a blog, with a new diary entry published each day.

We hope you save some money,

Martin & the MSE team

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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.

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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 MoneySaving Expert and Martin Lewis

What is MoneySavingExpert.com?

Founded in February 2003, it's now the UK's biggest consumer help website with over 9 million people getting this email and nearly 13m using the site. In September 2012 it became part of the MoneySupermarket Group PLC. Its focus is simple: how to save cash and fight for financial justice on anything and everything. The site has over 30 full time staff about half of whom are editorial researching, analysing and writing to continually find ways to save money. More info: See About MSE

Who is Martin Lewis?

Martin set up and runs MSE, and still writes this email each week (unless it says so). He's an ultra-focused money-saving journalist and consumer campaigner with his own ITV prime-time The Martin Lewis Money Show, weekly slots on Radio 5 Live, This Morning and Daybreak, amongst others. He’s a columnist for publications including the Telegraph and Woman magazine. More info: See Martin Lewis' biography

What do the links with a * mean?

Any links with a * 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 product at all and the editorial line (the things we write) isn't changed due to it. 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

lastminute.com, hotwire.com, halifax.co.uk, capitalone.co.uk, moneysupermarket.com, confused.com, holidaysafe.co.uk, skyscanner.net, kayak.co.uk, avro.co.uk, flightsdirect.com, momondo.co.uk, holidayextras.co.uk, skyparksecure.com, bookfhr.com, barclaycard.co.uk, mbna.co.uk, lloydsbank.com, sainsburysbank.co.uk, barclaycard.co.uk, capitalone.co.uk, churchilltreat.co.uk, tesco.com, gocompare.com, directline.com, aviva.co.uk, admiral.com, paybyfinance.co.uk, firstdirect.com, santander-products.co.uk, comparethemarket.com, postoffice.co.uk, productsandservices.bt.com.

Financial Conduct Authority (FCA) Note

Referring people to insurers or insurance intermediaries can in some circumstances constitute an FCA regulated activity. For this reason, pages with links which take you to the sites of insurers or insurance intermediaries are hosted by MoneySavingExpert.com Limited on behalf of MoneySupermarket.com Group PLC. 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 is MoneySupermarket House, St. David’s Park, Ewloe, Chester, CH5 3UZ.

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