MoneySavingExpert's Money Tips Email
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DON'T believe the fake 'Martin Lewis' or 'MSE' ads |
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Over six million homes are out of contract, free to switch, yet still overpaying £100s a year for sluggish broadband. With April's price hikes now firmly in the rear-view mirror, this is a great time to compare, ditch, switch & save. The best thing to do is put your postcode into our broadband comparison to find the best deals in your area. We collate them from 36 providers, including promos from many different sites (the best deals are short-term promos you can't get direct)... PS: Millions are also overpaying on mobile, so check our Cheap mobile comparison too.
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Code gets £5 off a £5.01+ train ticket. For new TrainPal users. Must book within a week, can travel any time. Get on track for a saving. It's back! Rare 4.6% 1yr top savings FIX 'with access'. The Marcus (part of Goldman Sachs) 4.6% 1yr fix* (min £1, max £250k) is unusual - while most savings fixes lock your money away, here you can access it without notice by closing the account, with a 90-day interest penalty (or all interest if you close before 90 days). So if you want to lock money away but may need it, it's a good option. The rate's only just below top payer United Trust Bank's 4.75% 1yr fix (min £5k). Worth noting: Cash ISA fixes must by law allow access, again for an interest penalty. Top there is UBL's 4.66% 1yr cash ISA (max £20k if you haven't used up your ISA allowance), also with a 90-day interest penalty. More help in Top fixed savings & Top fixed cash ISAs. Totally FREE English Heritage family day pass (normally £40ish). Limited supply so go quick. English Heritage 'Martin, how do sensible investing returns compare to savings?' Investing's best if you've no expensive debt, for money you can lock away for 5+yrs. Watch Martin's Investing v Savings video via his YouTube (do subscribe), or better still, his full Shares ISAs Special on ITVX. Related: Martin's investing for beginners guide.
Dear Prime Minister, you said to big tech: 'If you profit from harm & abuse, you lose the right to self-regulate' - yet you've done almost nothing to tackle scam ads? MSE (Martin) and Which? have sent a joint letter to the Prime Minister highlighting the Govt's repeated, ongoing, flaccid treatment of scam adverts. Sat only. FREE Toy Story mini character figure. At 120+ toy stores. Limited stock. Woody you believe it? How to watch the Champions League, Europa & Conference League finals for free (or £5). Head-er over to our Watch UEFA finals for 'free' blog. £116 of Sol de Janeiro, Nars, Supergoop & more for £40. 8-item beauty set. Lookfantastic New. We're going to launch a Compare+ Travel Insurance tool - wanna try it? After the success of Compare+ Car Insurance and Compare+ Home Insurance, we're going to be adding Compare+ Travel Insurance (Beta) - full of MSE's tried and tested tips and tricks to help you find the right policy. It's still in testing phase right now, as it needs the final bells & whistles, but the answers work, so we wanted to give you a sneak preview in return for you please sharing your feedback on results & ease of use.
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Can't afford to clear your credit card debt? You can't afford not to check this: A 0% balance transfer card lets you move debt from existing credit cards onto a new one, where it's interest-free for a set period. That means more of your repayments clear the actual debt, rather than servicing the interest, helping you get debt-free faster. Right now, there's a wide choice of cards giving a full three years at 0% to ALL accepted. First, the need-to-knows, then the best buys...
Quick balance transfer FAQs (click links for the answers) Q. Is it worth applying if my eligibility odds are low? | Q. What if my credit limit isn't big enough? | Q. Can I shift debt to existing cards? | Q. Should I try to pay off my biggest debt first? SPOILER: NO. |
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Ends Thu. On E.on's Energy Price Cap? Beat July's likely 13% price rise with exclusive new fix. Very few suppliers now offer fixed energy deals below the current Apr-Jun Price Cap, but if you're an existing E.on customer and want to stay with it, it's worth looking at this new exclusive E.on Next 13mth fix (Direct Debit only; £50/fuel exit fees) if you value price certainty and are risk averse. While it's a fraction more than the current Price Cap when you include MSE cashback (so slightly more expensive than our deal last week, as wholesale rates have risen), it's way below the predicted Cap from July, so you'll save big from then. Prices vary depending on region & use, so check how it works for you & how it compares to others, via our Cheap Energy Club. Martin: 'Age 15 to 23? Check NOW if you've a forgotten £2,000 in a Child Trust Fund'. Millions have them, many don't know. Watch Martin's 1min explainer, courtesy of ITVX. 'Don't stall, just call (or click)... Martin, this was the best advice you could give.' Success of the Week. Susan emailed, having read this warning for State Pensioners: "My mother, who suffers with severe dementia, is on the smallest of state pensions and thankfully receives Attendance Allowance. As she has some savings over £10k, I'd always believed she wouldn't be entitled to Pension Credit. How wrong I was. Thanks to your newsletter, I called DWP who told me that she IS entitled to it. The whole process, from calling up to receiving the first payment, took less than 4 weeks. We are trying to keep her in her home but the care bill means her savings are dwindling fast. Thank you Martin, you have made my family very happy to know we can keep my mum safe in her home for longer." If we've helped you save or reclaim (on anything), please tell us about it. Premium Bond prize rate to rise to 3.8%, but still far short of top savings. The Premium Bond prize-fund rate will rise in July, but that's far below the top easy-access account, Chase at 4.5%* (min £1; newbies only), and the top cash ISA, Trading 212 at 4.55%* (min £1; newbies only; transfers get lower rate). Never mind the fact that with typical luck, most people will earn less than the prize-fund rate. Read Premium Bonds - are they worth it? and see Top savings. Chase is boosting its debit card cashback to 2% - though how and where you get it is changing. Chase news. Ending. Can you grab £225 Amazon vouchers, free airport lounge passes AND Deliveroo cashback? Till next Tue (26 May), newbies who successfully apply for the Amex Preferred Rewards Gold card get a boosted 45,000 Amex points if you spend £5,000+ on it in the first 6mths. That's worth £225 in Amazon, M&S or Sainsbury's vouchers, and there's also £10/mth Deliveroo cashback & four airport lounge passes. For bigger spenders, that means shifting your normal spend to this card is very lucrative, provided you always pay the card off IN FULL each month, or the 29.1% APR interest dwarfs the gain. Note the card's only fee-free in year one, then it's a hefty £195/yr - so diarise to cancel then. See full Amex Gold review. 100 days' free access to 6,000+ digital mags, eg, Vogue, Gardeners' World, Elle. MSE Blagged. For Readly newbies & those who cancelled 6mths+ ago. Mag-nificent |
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AT A GLANCE BEST BUYS
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CAMPAIGN OF THE WEEK Want to brush up on your numeracy skills? Tomorrow (Wed) is National Numeracy Day, so it's the perfect time to boost your confidence. Money-saving and knowing your numbers go hand in hand, so try the National Numeracy Challenge to start improving your real-world maths in just 10 minutes. |
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MONEY MORAL DILEMMA Should I insist my friend pays me back, even though they're struggling? I lent a friend over £4,000 across four and a half year after they fell on hard times during the pandemic. They're a single parent with no help from their ex and say they've no money as they're not working. I'm sympathetic, but I've now retired and could really do with getting it back. Do I ask them to start paying, or sit tight and hope their situation improves? Enter the Money Moral Maze: Should I insist my friend pays back the money I loaned them? | Suggest a Money Moral Dilemma (MMD) | View past MMDs |
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MARTIN'S APPEARANCES (WED 20 MAY ONWARDS) Thu 21 May - Ask Martin Lewis, BBC Radio 5 Live, 12 noon |
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 marcus.co.uk, firstdirect.com, santander.co.uk, barclays.co.uk, chase.co.uk, trading212.com Financial Conduct Authority (FCA) Note MONY Group Financial Limited is authorised and regulated by the Financial Conduct Authority (FCA FRN: 303190). MoneySavingExpert.com Ltd is a company registered in England and Wales. Company Registration Number: 8021764. Registered office: One Dean Street, London, W1D 3RB. MoneySavingExpert.com Limited is an appointed representative of MONY Group Financial Limited. To change your email or stop receiving the weekly tips (unsubscribe): Go to: www.moneysavingexpert.com/tips. |


























