The following is the text of the tip sent out on Wed 13th August 2003

(An independent non-profit driven consumer help e-mail from www.moneysavingexpert.com)

There's so much this time I thought I'd give you an index

Subjects Covered:

UPDATED: Credit Cards The Full Monty

I've done a full update of my ‘Credit Card The Full Monty Article' which details exactly how to use credit cards for each purpose and what the best card for each is. It includes all the current 0% offers on the market and how long they last.  To read it click here. 

Chat Room Tips
All the tips below originate from the MoneySavingExpert.com Chat room.  There are some amazing deals.  Thank you so much to everyone in the community of Money Savers who post. 

Free Pay as You Go Mobile Video Phone

Quite ridiculous this! The cheapest PayAsYouGo phones are normally £50, yet you can get a videophone on the new 3 network for free.  Essentially Phones4U are offering the discontinuing NEC808 for free online.  There is a £10 delivery charge, however some people have been able to use Carphone Warehouse's price match plan to avoid this too by going in store.  The phone is currently out of stock with Phones4U, so CarphoneWarehouse (which usually retails this at £49.99) is probably the best bet. To read more about it and for contact click here

Earn up to £220/month from your car (and give to charity)

AdsOnCars is a new service that's just launched which pays you to have ads stuck on your car.  There's full details and discussion in the chat site.   To read the full details click here

Loophole: Commission free Mortgage or Family Protection Life Assurance

Another top spot.  Unbelievably, it seemed the internet comparison engine EasyValue was giving life assurance comparisons but forgetting to take commission.  I checked the details and spoke to the company.  Apparently its original plan was it'd be subscription based; yet that didn't sell.  However it hasn't yet updated the system (it soon may) leaving a loophole for dirt-cheap life assurance.  For further info I've updated past articles explaining how it works.  For family protection level term assurance click here, for a mortgage decreasing term assurance article click here.

A quick £20 for Egg cardholders

The first 8,000 Egg cardholders to sign up for a second card will get £20.  Frankly grab the money and then cut the card up if you don't want it.  Click here to go to Egg.  Click here for the chat room discussion about it.

Free Food! Not a Martin's Money Poser

To stick with the Chat room theme, instead of a Money Poser read Tim's hilarious Free Food strategy, it mightn't save you much money but it's the funniest thing I've read in ages.  Click here

IMPORTANT: Charity Vote

Please take time to vote on the site's front page (just click here).  The site can currently give £100/month to charity due to the Barclaycard 0% loophole subscription and hopefully there's more to come due to AdsOnCars.  It's your site so please vote for where you want the money to go.

To Ask A Question

Please don't email me directly to ask a question – just click here and simply pop one in the Questions section of the Chat board.  It will be answered much more quickly there.

BIG THANK YOU

Hoorah! Yesterday the 25,000^th person signed up.  It really is quite staggering, especially since it is only 5½ months since I launched it properly. Thank you all again.  As can be seen above the more MoneySavers there are the more great Deals we find – so please, please if you want to say thank you and you've saved some money e-mail and persuade everyone you know to sign up too. I really appreciate your support.

I hope you save some money

Martin Lewis

Money Saving Expert

PS.  TO HELP KEEP MONEYSAVINGEXPERT.COM AD FREE, SPONSORSITE FREE AND FREE TO USE ALWAYS USE THE BEST BUY SECTION WHEN YOU NEED A NEW PRODUCT!