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MoneySavingExpert's Money Tips Email

MoneySavingExpert's Money Tips Email

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Aug16

This week: Over 50 ways to save incl...cut junk mail, buy from China?, beware LIAR ads, free KFC fries, best/worst banks, train tricks

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 12m who get it each week."

16 August 2017
         
 
THE TOP TIPS IN THIS EMAIL
New MSE tool. Broadband Unbundled - the ULTIMATE b'band, line & TV comparison
First Direct service king AGAIN
Jetting off? Last-minute hols checklist
6 cheap train ticket tricks
Beware LIAR ads using our name
Should you buy online from China?
Want less junk mail? This can help
New. Shift debt to 33mth 0%, £20 cashback
£8 Kurt Geiger shoes via code
40 London MoneySaving tips
Is MSE doing another energy collective?
Free KFC fries every Friday
Top student bank accounts 2017/18
Free Goodfella's frozen pizza
£18 Sanctuary Spa set
£60 Ray-Bans Sunglasses Shop code
2for1 dinosaur show tix
 

New MSE tool. Broadband Unbundled

The ultimate broadband, phone and TV comparison

Incl NEW deals: Sky b'band & line £11/mth, BT fibre & line £16/mth


BroadbandWe're seeking to blow apart the complex and confusing broadband, phone and TV market with our brand-new Broadband Unbundled tool. Here are the five big things you need to know about it:

- It compares 13 providers' standard deals + our Blagged deals + others' exclusives. We don't just cover mainstream offers from the likes of BT, Sky and Virgin, we try to blag cheaper deals too. Plus if another comparison site has a cracking exclusive, we'll try to put it in the tool to give you a wider choice.

While we hope we've more deals than other comparisons, we don't yet have every provider and we're working on adding more.

- It's personal. Many deals are only available in particular areas, so we ask for your postcode to show what you can get. You can also play with the filters to find the exact type of deal you want.

Note: if you select broadband-only, it'll almost certainly be more expensive than getting broadband AND phone and your choice of providers is severely restricted (Virgin is the only provider offering broadband-only in our tool.).

- It gives a true comparison. For years, providers have tried to bamboozle you with hard-to-compare deals such as "18mth contract with 18mths' discounted broadband, 9mths' discounted line" or "pay full-price but get £150 cashback". Our tool adds it all up and spreads costs over the contract to show the equivalent monthly price to help you compare.

- It finds if 'unbundling' is cheaper. It checks if using two or even three providers rather than one is best. So you may find your cheapest deal is one firm for line and broadband, another for telly - ie, unbundling.

- It's in 'beta'. It's working well, but it's new, so if you don't like it, don't understand any of it, or if there's anything that doesn't work, let us know via feedback@moneysavingexpert.com and we'll look to make it even better (we've our own wish list already).

Hot deals only available for a week or so

The best way to get cheap broadband, line and TV deals is via short-lived promos - and when available they'll be in our Broadband Unbundled tool. But we thought we'd highlight some current scorchers...

1. New. Sky b'band & line £11.17/mth. MSE Blagged. Anyone who's not had Sky b'band, line or TV in the last year can apply via this Sky link* by Fri 25 Aug for a 1yr deal offering up-to-17Mb speed broadband with unlimited downloads. Here are the key points:

- It's available to 90% of the UK. It depends on your postcode - you're told when applying (or use Broadband Unbundled which only shows deals available in your postcode).
- Half-price line rental. Usually £18.99/mth, here it's £9.50/mth for the year. No calls included - see Sky call costs (a touch more than BT).
- 'Free' broadband for a year. After, it's £10/mth.
- You pay £19.95 set-up. There's also a £5 card verification fee, refunded on your first bill and a £20 fee if you've no line or are switching from cable.
- Could Sky hike prices? Sadly, telecoms firms often do, but you may be able to leave penalty-free if it raises line rental prices. It tells us the broadband will be 'free' for the whole year's contract.

Cost analysis: It's a stonker as, assuming you don't need a new line, you pay £133.95 for the year, equivalent to £11.17/mth before calls. This is a straighforward deal but if you jump through a few hoops the EE deal below can beat it.
 
2. Ends Mon. EE b'band & line '£10.06/mth' - ONLY if you pay £299 line rental upfront. New EE broadband customers - those who don't currently have broadband or line with it - have until Mon 21 Aug to apply via this EE link* for an 18mth deal offering up-to-17Mb speed broadband with unlimited downloads. Here are the key points:

- It's available to 99% of the UK. It depends on your postcode - you're told when applying (or use Broadband Unbundled which only shows deals available in your postcode).
- Choose to pay line rent upfront if you can afford to. It's cheapest to pay £299 upfront for the 18mths (you must opt for this at sign-up) or it's the usual £18.50/mth. Either way, you get inclusive weekend landline calls - see full EE call costs.
- 'Free' broadband for 18mths. After, it's £10/mth.
- Get a £125 prepaid Mastercard but annoyingly you MUST claim it. You'll be sent an email within 30 days of paying your second bill with instructions on how to claim. You must claim within 60 days of receiving it - you'll then receive your card within 30 days. As it's a Mastercard it's almost as good as cash.
- You pay £7 router deliv. There's also a £30 fee if you've no line or are switching from cable.
- Could EE hike prices? Sadly, telecoms firms often do, but you may be able to leave penalty-free if it does.

Cost analysis: This could be cheaper than Sky above if you stick to EE's T&Cs. If you don't need a new line, and pay line rental upfront, it's £306 over 18mths before calls. If you claim the Mastercard (as good as cash where it's accepted) and spend it, the net cost is £181, equiv to £10.06/mth. Pay line rental monthly and it's equiv to £11.95/mth.
   
3. New. BT fibre b'band & line '£16.33/mth'. New BT broadband customers can apply via this BT link* from today (Wed) till Thu 24 Aug to get up-to-52Mb speed fibre (3x normal) with unlimited downloads on a 1yr contract. Fibre is best for heavy downloading, streaming, gaming or multiple users. Here are the key points:

- It's available to 83% of the UK. It depends on your postcode - you're told when applying (or use Broadband Unbundled which only shows deals available in your postcode).
- You pay normal BT line rental, currently £18.99/mth. Weekend calls to UK landlines included - for others, see BT call costs.
- Discounted fibre, £9/mth for the year. A huge discount on the standard £28.50/mth.
- £9.99 set-up, usually £59.99. Again, a big discount on standard costs.
- Get £150 on a prepaid Mastercard that you MUST claim. Annoyingly, as BT won't remind you, diarise to use this Mastercard claim link within 3mths of activation (takes up to 45 days after).
- Could BT hike prices? Sadly it can, but you may be able to leave penalty-free if that happens.

Cost analysis: It's cheaper than lots of standard speed deals, even though you get MUCH faster fibre. You pay £345.87 over the year before calls. But claim and use the Mastercard (as good as cash where it's accepted) and it's a net £195.87 cost, equiv to £16.33/mth.
4. Want a hot TV channels package deal? Like broadband, the top offers are often short-lived. We'd love to have shown you a stonker in the same mould as the broadband deals above, but there's nothing currently jumping out as being 'wow', yet you can combine standard TV deals with the packages above via Broadband Unbundled.

While not spectacular, one option is Now TV, Sky's streaming service. Until Sun 20 Aug, we've blagged an Entertainment Pass* for new Now TV customers for £4.20/mth for 2, 4 or 6mths. You get 11 channels, incl Sky Atlantic, Sky 1 and Comedy Central to see Game of Thrones, Billions etc. It's £7.99/mth after your discount ends, so cancel if you don't want to keep it.

Lots more tips in our Cheap Broadband guide. Plus check how to test your broadband speed, and how to check if you can get bigger cashback on hot deals if you're a member of a top cashback site (though compare like-with-like as prices and contract lengths can vary).

 
 
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.

 
 
 

First Direct crowned service king AGAIN - 90% 'great' + free £100

Revealed. How your bank fares in the customer service battle - if yours is pants, why not get PAID to UPGRADE?


Banks get a hard time, yet surprisingly the best of 'em from our twice yearly banking poll outshine almost all other giants on service - in particular, smashing most energy and broadband firms. So if you're settling for a bog-standard current account, as switching's easy, why not upgrade and bag free cash?

  • No.1 service by a mile - First Direct (and big switch bonus too). It's won EVERY bank customer service poll we've done since 2010, and it's taken the gong again in our latest survey, which closed last week. First Direct* gives £100 to switchers and a possible £250 0% overdraft. Plus you get access to its linked 5% fixed regular savings account, in which you can put up to £300 a month. The account's free if you pay in £1,000/mth+; if not, it's £10/mth.

BANK SERVICE POLL RESULTS - AUG 2017
 
BANK (1) KEY PERKS OF ITS TOP ACCOUNT MSE SERVICE RATING (2)
1. First Direct Free £100 + £250 0% o'draft + 5% reg saver 90% great, 3% poor
2. Nationwide Get 5% on max £2.5k & 0% o'draft for 1yr + 5% reg saver 74% great, 6% poor
3. Co-op (incl Smile) Free £125 + up to £5.50/mth 68% great, 8% poor
4. Santander Get 1.5% on max £20k + 5% reg saver + bills cashback (£5/mth fee) 63% great, 7% poor
5. TSB Get 3% on max £1.5k + max £10/mth cashback 64% great, 9% poor
6. M&S Bank Free £125 M&S vch + £5/mth + 5% reg saver 63% great, 12% poor (3)
7. Halifax Free £75 + £3/mth 50% great, 11% poor
8. Lloyds 2% interest on up to £5k 50% great, 13% poor
9. NatWest 2% cashback on bills (£2/mth fee) 47% great, 14% poor
10. HSBC 5% reg saver 46% great, 17% poor
11. Barclays £4/mth bonus 43% great, 15% poor
12. RBS 2% cashback on bills (£2/mth fee) 37% great, 21% poor

(1) Links go to full info if we rate the account mentioned as a top pick. (2) % of bank's customers who rated it 'great' or 'poor'. Percentages won't hit 100% as some rated banks 'OK'. See full results. (3) 76 votes - we normally only include if banks receive 100+ votes but general feedback's good.


For full info on how switching works and all the best buys, see our Best Bank Accounts guide.

 

Warning. Beware LIAR Facebook & other ads implying Martin/MSE recommends 'em. Whether it's Martin’s pic on PPI firm, boiler incentive or scam binary trading ads; or energy door knockers using our name, all are leeching off our hard-earned trust. Sadly, Facebook’s response is pitiful. Avoid. Watch Martin’s RANT.


18p women's belts, 86p iPhone cases - should you buy online from China? Rock-bottom prices possible on sites such as AliExpress + how to buy safely. 12 Buying From China Tips


Want less junk mail? EVERYONE is about to get a letter that can help. How to do a quick marketing opt-out.


New. Shift debt to 33mths 0%, low 0.58% fee and get £20 cashback. Apply by Fri 8 Sep and Lloyds (eligibility calc / apply*) lets accepted new cardholders shift debt in the first 90 days for a one-off 0.58% fee (min £3). Transfer £100+ and it gives £20 cashback - shift up to £3,400 and the cashback effectively cancels out the fee. Always pay at least the minimum each month and clear the card before the 0% runs out or you pay 18.9% rep APR. More options, incl longer 0%s with higher fees, in Balance Transfers (APR Examples).


Kurt Geiger shoes from £8 via 20% off outlet code. MSE Blagged. £5 delivery, ends Sun. Kurt Geiger outlet


40 London MoneySaving tips. We've boosted our popular guide with more tips for summer. Incl free Parliament tours, £5 Shakespeare theatre tickets, £20/night hotels and £3 Heathrow transfers. London calling


 

BLAGGED FOR MSE

- Kurt Geiger 20% off outlet code Ends Sun

- Sunglasses Shop 25% off full-price or 10% off sale Ends Tue

DID YOU MISS?

- Martin Lewis: 'The four things you need to be successful'

- Sky TV or broadband cust? How to bag a FREE film

- £34 of No7 beauty products for £10ish

- Walk away with someone's luggage - it could be worth £100s

- Free Sunday cinema ticket with £3 of chocolate

 
 

About to jet off? Your last-minute holiday checklist

We've crowed about these top tips this summer, but with millions still due to head abroad, here's a reminder


In the summertime when the weather is fine, with many taking to the skies, we (naturally) have MoneySaving on our minds. So whether you're heading off in the next couple of weeks or in the cheaper Sep time, check out our 50+ overseas travel tips to go out and see what you can find, incl...

Cheap holiday - Cheap foreign cash. AVOID hideous airport rates and speedily compare with our TravelMoneyMax tool.
- Near-perfect rates this summer & beyond. It's via a top overseas credit card & our top pick is Halifax Clarity (eligibility calc / apply*) which has no overseas spending fees and gives newbies £20 cashback if they buy something abroad by Sat 30 Sep. Pay it off IN FULL each month to minimise the 18.9% rep APR, though note it can take 1-2 weeks to arrive. Full info in Top Overseas Credit Cards (APR Examples).
- Cheapest travel insurance. Get it ASAP, from £5/week. See Cheap Travel Insurance.
- Show your boarding pass at airport shops? Watch or read Martin's boarding pass tips.
- Airport lounges from £15. They can be cheaper than airport food and drinks. See Cheap Airport Lounges.
- Check your EHIC is valid - millions aren't. It gives free or cheap access to state-run Euro hospitals. EHIC help
- Slash airport parking costs. It pays to book early, but even if you leave it late, don't just turn up. Cheap Airport Parking
- Free water at airports. Beat rip-off prices with our airport water tip.

 

'My energy deal's ending soon - are you doing another collective switch?' We're swamped with this question. The answer is we're trying hard to get energy firms to give us a good deal, and typing this with crossed fingers (not easy) that we'll have one for you in September. Watch this space...


FREE fries at KFC every Friday. No purchase necessary. See how to make it a Fries-day.


New. Top student bank accounts 2017/18. New accounts are out just before A-level results, so find the winner in our new Top Student Accounts 2017 guide (and spread the word). Related: Student Loans Mythbusting.


FREE £2 Goodfella's frozen pizza. Print coupon and stack with Tesco offer to save dough. 5,000 avail


£18 Sanctuary Spa 'Take Me Away' holiday set (£28 separately). Incl manicure set, body lotion/scrub/wash, hand cream and face wash. Boots


£60 Ray-Bans via Sunglasses Shop codes. Get 10% off sale items or 25% off full-price. MSE Blagged. Free delivery. Sunglasses


2for1 'Dinosaurs in the Wild' tix. 70-min 'immersive' experience at NEC B'ham (till Wed 23 Aug). Roar-some

 

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AT A GLANCE BEST BUYS
 

6 cheap train ticket tricks

Price rises are coming but we've uncovered hidden savings to keep your spending on track


Train travellers have been hit with another bombshell with yesterday's news that millions of fares will increase by 3.6% from Jan 2018 - on top of the 1.9% rise in Jan this year. While you can't do much about these annual hikes, we've a carriage-full of tips to help you get on track for mega savings with our Cheap Trains guide. Here are the biggies - all aboard...

  • The £10 railcard trick. Railcards - for families, couples, under-26s, over-60s, disabled people and more - get a 1/3 off many journeys. And if you or a pal has a season ticket in the south of Eng or the West Mids, you can bag a £10 railcard. Other offers include a railcard for £15 of Clubcard pts, 10% off most railcards and a students' 12% discount off a 16-25 Railcard. See all railcard types.

  • Cheap ticketsThe split ticket trick. It's bonkers but can work. Same train, same time, buy 2 tickets and you may save large. We saw Birmingham-Basingstoke for £60. Yet the train stops at Banbury (you needn't change), so buying B'ham-Banbury and Banbury-B'stoke was £28 in total. See split ticket help.

  • The 'perfect time to book' trick. It's best to pounce as soon as tickets are released to grab cheap advances - usually 10-12 weeks ahead. To help, you can get alerts the day your journey's on sale.

  • The 'book advance tickets as you're about to get on the train' trick. Never assume it's too late to book a cheap advance, sometimes you can do so just 10 mins before - see firm-by-firm deadlines.

  • The 'buy two singles' trick. Returns should be better value but often aren't - lots of top deals are only available on one-way fares. So check if two singles beat a return.

  • The £5 off £20 East Midlands Trains trick. It's running a competition (the big prize is a trip to Paris) and EVERYONE who enters gets a £5 off East Midlands code.

 

14-day FREE British Military Fitness pass, 3-day FREE Fitness First pass. Just two of our free and cheap gym tips.


SUCCESS OF THE WEEK: (Send us yours on this or any topic)
"@MartinSLewis, used your remortgage guide - got 5.49% down to 2.1% on a 5-year fix. £230/month saving. Thanks muchly."


Know a charity that helps people through life-changing events? Does it want an MSE Charity grant? Our charity's current funding round is for organisations that support people going through life-changing events such as bereavement or homelessness. It opens on Fri 1 Sep - find out more about the charity and how to apply online at MSE Charity.

 

THIS WEEK'S POLL

How common are free flight upgrades? Are the days of trying to sweet-talk check-in staff to get a free upgrade to premium economy, business or first class long gone? Have you ever had a free flight upgrade?

The relationship between mental health and debts is irrefutable. In last week's poll we asked if mental health affects your debts and the full poll results make for stark reading. If affected, see our Mental Health & Debt guide for help.

 

MONEYSAVING NEWS

- Top story: Commuter train fares to rise by 3.6%

- E.on offers interest-free finance for replacement boilers

- Millions of travellers set to have better protection when booking holidays

- Hopes for Mastercard class action appeal

- New app to help consumers dodge scam callers and file complaints

 
 

MONEY MORAL DILEMMA

Should I refund the postage fee? I recently sold something on eBay and the buyer paid for postage. When I saw their address, I realised they lived around the corner so I might as well hand-deliver the item. Should I refund the postage? Enter the Money Moral Maze: Should I refund the postage fee? | Suggest an MMD | View past MMDs

THE QUICKIES
- Debt-Free Wannabe chat of the week: Accidentally got cash out of ATM using credit card not debit card
- Competitions thread of the week: £200 entertainment bundle
- Old-Style board thread of the week: The KonMarie thread
- Discussion of the week: Cats keep cr***ing in my garden
 
 

DEALS HUNTERS' BLOGS

- TWO WEEKS in Orlando from £245pp including flights, hotel (near Universal), car hire and breakfast

- Pizza Hut EVENING buffet is here. But will it save you dough?

 
 

MARTIN'S APPEARANCES (WED 16 AUG ONWARD)

Tue 22 Aug - Countdown, Channel 4, 2.10pm

MSE TEAM APPEARANCES (SUBJECTS TBC)

Fri 18 Aug - BBC South West stations, breakfast
Tue 22 Aug - BBC Radio Cambridgeshire, 2.20pm

 

QUESTION OF THE WEEK

Q: We changed our car and phoned Saga to transfer our insurance and were charged £25 as an admin fee. Is this standard practice? Beryl, via email.

TonyMSE Tony's A: This is common and can happen when you change your name, car, address, job and more, though they vary by insurer. We've seen fees up to £34.

Regulator, the Financial Conduct Authority, says the fees need to be "reasonable" to reflect the work carried out - and we'd argue £25 is NOT reasonable.

The admin fee is in addition to a possible rise (or fall) in premium, say, if the new car is classed as higher risk.

The good news is we've heard of people haggling these fees down, sometimes to zero, by threatening to leave. See admin fee haggling.

While you can try this, don't just threaten to leave, actually check if ditching your policy for a new one can save you (but factor in roughly £50 cancellation fees). Full info in our Cheap Car Insurance guide.

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

 

'Wasted money on a chainsaw. Been too scared to use it after watching Texas Chainsaw massacre.'

That's it for this week, but before we go... what has been your single biggest waste of money? Our forumites say flashy phones, late library books, a chainsaw and even... getting married. They're discussing how they've squandered their hard-earned, so let us know your biggest waste of money in our Facebook post: 'MoneyWastingExpert'.

We hope you save some money,
The MSE team

 
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