If you click a link with an * to go through to a provider, we may get paid. This usually only happens if you get a product from it. This is what funds our team of journalists, and keeps us free to use. Yet there are two crucial things you need to know about this.
- This never impacts our editorial recommendations – if it's in, it's in there because we independently rate it best.
- You'll always get as good a deal (or better) than if you went direct.
For a more detailed explanation see How MSE is financed.
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If you're a student or working in education and have an academic email address that can receive external email, you may be able to get a couple of decent freebies from Microsoft.
Free Microsoft Office
What do you get? The ability to download the entire Office software suite – including Word, Excel, PowerPoint, Outlook, OneNote, Publisher and Access – on up to five PCs or Macs (the last two are on PC-only).
Who can get it? Students and staff at universities, colleges and schools which have an institution-wide licence for Office through the Microsoft Volume Licensing programme. Microsoft says 99.9% of universities, 87% of colleges and a "large number" of schools in the UK are eligible.
How do I get it? Enter your academic email address on the Office website. You'll be asked to log in through your institution's online portal and if you're eligible, you'll be redirected to a page where you can download the software.
1 Terabyte (TB) free online storage
What do you get? A whopping 1TB of free online storage (1000 gigabytes) through OneDrive (others now only get 5GB free) and use of collaborative platforms like Yammer and SharePoint.
Who can get it? Again, this is aimed at students and staff with an academic email address, though the university, college or school doesn't have to have licensed Office as above.
How do I get it? Enter your uni, college or school email address on the Office website. You'll be asked to log in through your institution's online portal, then follow the instructions.
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For all the latest deals, guides and loopholes simply sign up today - it’s spam free!
Use the Money Mantras
Before spending, use Martin’s Mantras. If you answer 'NO' to any, then don't buy!
Then ask:
- Do I need it?
- Can I afford it?
- Have you checked prices elsewhere?
Then ask:
- Will I use it?
- Is it worth it?
Free protection for all shopping!
There's a little-known piece of legislation that turns any credit card into a financial self-defence superhero. 'Section 75' of the Consumer Credit Act means your plastic must protect anything you buy for more than £100 for free, so if there's a problem or the company goes bust, you can still get your money back.
And although Section 75 doesn't apply to debit cards, there is something else to fall back on if you've paid using a debit card, or used a credit card for a purchase under £100. Known as Chargeback, this is part of banks' and card companies' internal rules and not a legal requirement. Read full details of Section 75 or Chargeback, plus how to claim, in our guides.
What the * means above
If a link has an * by it, that means it is an affiliated link and therefore it helps MoneySavingExpert stay free to use, as it is tracked to us. If you go through it, it can sometimes result in a payment or benefit to the site. It's worth noting this means the third party used may be named on any credit agreements.
You shouldn’t notice any difference and the link will never negatively impact the product. Plus the editorial line (the things we write) is NEVER impacted by these links. We aim to look at all available products. If it isn't possible to get an affiliate link for the top deal, it is still included in exactly the same way, just with a non-paying link. For more details, read How this site is financed.
Duplicate links of the * links above for the sake of transparency, but this version doesn't help MoneySavingExpert.com:
16 June 2021
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Martin's Mortgage Alert
'Rates have dropped below 1% – check NOW'
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First Direct boosts free cash to £125
It's top for service too
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'Don't over worry about credit scores'
Martin's new blog
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New. 12 Spotify tips to pay less
And play more
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TWO prescription sunnies £22 all-in
Cheapest we've seen this deal
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£40 cashback for investing £400
If you plan to 'robo-invest'
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Amazon 'Prime Day' predictions
Incl up to 50% off Alexa
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Read the full email
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JPMorgan Chase strikes deal to buy robo-adviser Nutmeg - but there's no change for investors
18 June 2021![]()
JPMorgan Chase has this week struck a deal to purchase UK digital investment platform Nutmeg. Both firms have confirmed there will be no change for Nutmeg customers for now, although they've promised a wider range of products and services in future. -
Warning - certain Applaws, Pets at Home and Sainsbury's branded cat food has been recalled over fears it could be linked to fatal disease
17 June 2021![]()
Pet owners have been warned to stop feeding certain dry food to their cats over fears it could be linked to a fatal disease. Certain Applaws, Pets at Home, and Sainsbury’s branded cat food made by Fold Hill Foods are affected by the precautionary recall but you can get a full refund from retailers. -
First-ever financial education textbook arrives in Scottish schools, funded by Martin Lewis
17 June 2021![]()
The first-ever curriculum mapped financial education textbook – funded jointly by MoneySavingExpert founder Martin Lewis and the Money and Pensions Service – has now landed in secondary schools in Scotland. -
Martin Lewis: 'Mortgage rates drop below 1% – check urgently if you can switch & save £1,000s'
16 June 2021![]()
New mortgage deals are at their LOWEST EVER rates, with two-year fixes down to 0.95% and five-year fixes at 1.17% (though in some cases they load the cost in the form of hefty fees). That means huge savings are possible for some. -
Tesco Bank trials new debit card that gives you extra Clubcard points during the first three months - and budgeting help
16 June 2021![]()
Tesco Bank has quietly launched a prepaid debit card called 'Clubcard Pay', which it's currently trialling.
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Martin Lewis: Why you shouldn't worry too much about your credit score – it’s not actually a real thing
14 June 2021![]()
When it comes to finances, numbers are key – whether it's what you earn, your credit card balance or the interest rate on your mortgage, small changes can add up to a big difference. Yet there's one number you shouldn't pay too much attention to – your credit score. -
Martin Lewis VIDEO: Should you pay off your Plan 1 student loan?
18 May 2021![]()
If you started university between 1998 and 2012, or since then in Scotland and Northern Ireland, you'll have a Plan 1 student loan. While much is written about whether those with savings should overpay the current English Plan 2 student loans, there's little out there about Plan 1. I wanted to change that, so here's a video explaining how to decide...
Clever ways to calculate your finances
