Haggle down the cost of your existing mortgage
A MoneySaver recently fed back to me how he asked for a rate reduction on his fixed deal (during the lock-in period), and got around 1% off, that's £80 a month cheaper per £100,000 of mortgage. There's no way to tell how widespread this is, and it’s UNLIKELY to work for most, yet there's no harm trying.
What not to do...
New! Find cheapest holiday cash & buy-back rates with MSE's TravelMoneyMax.com.
You get over €50 more converting £500 via the top bureau de change compared to airport rates, smashing even established players like M&S and the Post Office. Instantly find top deals. You can now compare rates for any amount of ANY currency from 24 providers, inc. all commission and delivery charges. We've supercharged the unique Travel Money Maximiser tool, so much so it now has its own site. Extra functions: These include a 'buy back' rate comparison for changing leftover currency back, and a quick currency converter. For more, use the New Site: TravelMoneyMax.com or read the Full Guide: Cheap Travel Money Related: Cheap Travel Insurance, Cheap Flights,
Magazine Beauty Freebies! £13 Biotherm moisturiser, £17 Aveda shampoo, haircuts & manicures. Plus Body Shop clearance & Avon 99p sales. Some of the freebies have limited availability so go quick, see the Daily Deals List: Beauty Deals
BIG Rate Boost. New Top Easy-Access Savings 3.15% AER (min £1). Updated Guide
Two just-launched top easy access accounts pay nearly half a percentage point more than recent highs. Both include once frowned-upon short-term bonus interest hikes, yet when rates are low that acts as a min. rate guarantee. Top Accounts (min £1): The Alliance & Leicester* Online Saver pays 3.15% AER inc. a year's 2.65% point bonus; B'ham Midshires' rate's identical, but it's phone only. Got £10,000+? Ulster Bank offers 3.21%, inc. 0.5% bonus for 6 mths, yet withdraw during that time and the rate drops. Got £25,000+? Investec cleverly matches the top 5 accounts' avg rate & currently pays 3.13%, yet it needs 3mths' notice to withdraw. All these accounts have the full UK £50,000 per person per institution safe savings protection. FULL details & more best buys in the Updated Article: Top Savings Related: Safe Savings, Top ISAs
New 15% off £60+ spending on Ocado code. Once just Waitrose, Ocado's grocery delivery service now sources elsewhere too and guarantees to price match Tesco for branded items, so this isn't just for upmarket spenders. See this plus £10 off £50 Tesco online spend in the Daily Deals List: Shopping Vouchers
BEAT Ryanair, Easyjet, BMI Baby etc payment fees with a prepaid card.
While budget airlines advertise flights for pennies, there are hideous add-on costs; now there's a way to beat the nastiest. What they charge: Pay by debit & credit card and Ryanair charges £10 per person return, Easyjet & BMI Baby as high as £7.50 return. How to beat them: Paying with the little-issued Visa Electron cards is free. I suspect this is so they can still call the other charges "add-ons". Yet anyone can go to Travelex*, select its prepaid card, which is an Electron, and pay on that for free. How it works: You load it up with cash, and can spend anywhere that takes Electron (inc. the airlines). Specifically order the UK pound version online and it's totally free to top up. FULL info in the Forum Note: Avoid Flight Booking Fees Related: Budget Airline Flightchecker
New! Yo! Sushi 40% off & 2for1s at Strada, Giraffe, Prezzo & Cafe Rouge. These join Pizza Express, Zizzi & more in the Daily Deals List: Restaurant Vouchers plus new Dim T in the List: London only vouchers
Got friends who'd like to save? Please tell them about this email
New top 'quick balance transfer' cards. 0% for 6 mths & 1.5% fee, 12mths & 2.5% fee
Balance transfers let you shift existing debts to a new credit card to get a much cheaper rate. Longest 0% Deal: Virgin* is 0% for 16 mths with a fee of 2.98% of the debt shifted (18.6% APR after the 0%), however if you can definitely repay more quickly, then go for a shorter deal with a lower fee. Repay in 6 months? Play.com is 0% for 6 mths with a 1.5% fee (17.9% APR). A year? Barclaycard's 12 mth 0% deal has a 2.5% fee (12.4% APR). For a FULL explanation, and more best buys see the Updated Guide: Best Balance Transfers Related: Free Credit Check, Problem Debt Help, Top Cashback Cards
Urgent! BA & Virgin Sales. New York £259, Dubai £299 etc ... but often beatable. A range of flights but limited dates. Some good deals, others beatable. FULL info & how to check in the Forum Note: BA & Virgin Sale Related: Cheap & Free Flights
Mortgage holders hit with excessive arrears fees urged to reclaim. See the MSE News Story: Excessive arrears fees
New July Premium Bonds Odds. Tool Of The Week. Find out what you're likely to win.
Tesco restocking the wine loophole! Buy £6 bottle get £6 of Tesco Rewards Vouchers. Over 300,000 viewed this last week, and Tesco ran out. More's now on its way, and while the deal's now not quite as good it's still loophole-able. See the Forum Note: Tesco Wine Loophole News Story: MoneySavers swamp Tesco
Instantly Find Top Deals! Rank bargains, freebies & competitions by sheer Likeability!
The deals section of the MSE forums is jam-packed with top spots posted by 100,000s of MoneySavers; yet with so many, honing in on the best can be tough. New Tool: You can filter the forum by a range of factors including ranking by 'likeability factor' - based on how many registered users have recently pressed their "like it" buttons. Unsurprisingly all the super deals tend to come top. Try it: The new function is in the grabbit, freebies, competition time and other shopping forums Current most liked: The top threads include Home Bargains Finds, Goodies From Woolies, Next Sale, and Win A Nokia 5800 Every 10 mins
Extra £50 cashback on already top home phone, line rental & broadband deal. Get an automatic £50 cashback until 13 July on TalkTalk's Essentials package via comparison site SimplifyDigital*. Over the 18 mth contract, it avgs £16.60/mth inc. line rental, broadband & free local calls anytime, normally £19.40/mth. See the Guide: Cheap Home Phones
Teach MoneySaving to Teens. FREE Teen Cash Class booklet & MoneySaving IQ Quiz
Disgracefully the UK's a nation that educates its youth into debt when they go to uni, but has no compulsory debt education. Now that exams are over, a reminder that if you want to educate them (or yourself), we've free resources to help. Free Teen Cash Class PDF: The printable free Teen Cash Class is 40 pages of Martin's MoneySaving lessons including debt. MoneySaving IQ Quiz: After the class anyone can try the super-tough MoneySaving IQ Test, which analyses strengths and weaknesses, showing you how to boost your consumer power. Related: £1,000s Free Childcare, Adult financial education grants from the MSE Charity
E.on cuts gas price by 3.3%... but still time to switch. This is a price shave rather than a cut, but it's the right direction. To compare, ditch & switch, see the Updated Guide: Cheap Gas & Elec plus cashback MSE News story: E.on cuts prices
Last chance! Grab 2for1 Thorpe Park & The Dungeons voucher now, use until 31 July. The voucher's only online until 13 July, but can be used most Mon-Fris. This plus free cricket festival and more in the Daily Deals List: Cheap Days Out
Quick links or click the titles for full pros, cons, alternatives & more savings
Free Kelloggs cornflakes and milk! Buy 3 packs of Kelloggs cereals, submit the codes online and you'll get a voucher for a free pack of Corn Flakes plus a pint of milk. More info in the Forum Note: Free Brekkie
Heating fuel users have your say. Take part in Consumer Focus' report. For those using heating fuel in their homes loose regulation means it can be much harder to switch to cheaper suppliers. The statutory watchdog Consumer Focus is launching an investigation into the market. Full info in the Forum Note: Heating Fuel Investigation
Warning! Avoid auto-added airline travel insurance. Some internet booking firms automatically add expensive insurance to holiday bookings, yet it's far cheaper to buy cover elsewhere. See the MSE News Story: Travel insurance trap
Airline: Ryanair. Price: sub. £10 e/w. Ends: Midnight Thurs 9 July.
Don't miss the 31 July tax deadline. Millions of self-assessment taxpayers need to make their second 'payment on account' by the end of the month. Miss the deadline, and you'll be charged. See the News story: Tax deadline
MONEY MORAL DILEMMA. Should Fearne stump up for Reggie's music collection?
Quick Forum Tips
Warning! Bargains listed here tend to sell out quickly
Board of the Week! Digital TV: Discuss everything from Virgin Media to Freeview boxes
The Digital TV board is the place specifically to discuss pros & cons of Sky, cable, freeview & more, plus the cheapest way to set it up once you've decided. Current discussions there include Sky box problems after cancellation, Cut through Sky cable and I can't afford to pay my Virgin Media bill this month
Great 'Cheap Holidays & Excursions' Hunt Result
Last week we asked for your top bargain holiday tips, and the cheapest ways to book outings upon arrival. There were some great suggestions, including Cheaper Booze on the Costa del Sol, Disneyland Orlando tips, Greek Island Guide.
- Thurs, GMTV, ITV1, sometime between 8:30 & 9:30am.
- Tues - Thurs, GMTV, ITV1, sometime between 7:20 & 9:30am. Holiday Special. Mobile Roaming, Holiday Currency, Q & A.
This week's Martin's Blog: "New consumer advocate... sounds like all puff, no pastry to me"
"Is this the summer of Love?" and "I almost went to France". Read m'blogs (or RSS users access)
How much is in your bank account? This week's poll. Vote and Current Accounts discussion.
Magnum is king of the lollies! 9,739 voted last week. Classic and white chocolate Magnums topped last week's fave lolly poll, taking 14% and 11% of the total vote respectively. Next most popular were Twister (9%) and Solero (9%), closely followed by Feast (also 9%), then Fab (6%). See the Ice Cold poll results.
I wanna be like you-oo-oo! That's it for this week, but before we go, check out these amazing 25 extremely expressive primates. It's bananas!
We hope you save some money
Martin & the MSE team
Explanation of * Links
FSA NOTE: Referring people to insurers or insurance intermediaries can in some circumstances require FSA authorisation. For this reason, Martin Lewis of Shepherd's Studios, Rockley Road, Shepherd's Bush, London W14 0EH is authorised and regulated by the Financial Services Authority.
How this site is financed. Any links with a * by
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to MoneySavingExpert.com, which helps it stay ad-free and free to use. You
shouldn't notice any difference, the links don't impact the product at all and
the editorial line (the things I write) is NEVER impacted by it. If it isn't
possible to get an affiliate link for the best product, it's still included in
exactly the same way. As I believe transparency is important, I'm including the
following 'un-affiliated' web-addresses for the same things: alliance-leicester.co.uk, americanexpress.com, energyhelpline.com, gocompare.com, halifax.co.uk, moneysupermarket.com, plus.net, simplifydigital.co.uk, tescofinance.com, virginmoney.com. Read more about this in how this site is financed.
MoneySavingExpert.com is the free to use Consumer Revenge website focused on how to save you cash. It's owned, and run by ultra-specialised journalist and bestselling author Martin Lewis. On TV amongst other things Martin is GMTV's Money SavingExpert and presents money programmes for ITV1 Tonight. On Radio Martin has regular slots on Radio 2 Vine and Radio 1 Whiley. Heb's also a columnist for the News of The World, Moneywise and the Sunday Post. Find out more: About the site and its funding.
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