Archive: MoneySavingExpert's Money Tips Email

22 April 2004: Override your mobile, Chip'n'pin warning, 4.85% savings, special Vine listener note, Try Me Free Hunt, Benefits for 16-18s and much more MoneySaving...

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The following is the text of Martin's Money e-mail sent 22 April 2004

Override your mobile, Chip'n'pin warning, 4.85% savings, special Vine listener note, Try Me Free Hunt, Benefits for 16-18s and much more MoneySaving...

Hiya folks. Do check out the top mobile deal, it's a cracker. And welcome to all the new recipients (there's a special note below for you), 6,000 since the last week…. WOW!

Mobile calls at landline prices – fully updated sneaky deal.
There's a way to pay landline call costs on your existing mobile phone, cutting the bill by up to 80%. You can also use it to utilise ‘free mobile minutes' off some networks to make free international calls. Full article
A new ‘Never, ever, ever, ever!'
(well it seems it's my catch-phrase). Chip'n'pin is starting, this means when you buy on debit or credit cards, rather than signing for it you'll need to enter a pin number. One consequence is many of us will know our credit card pin numbers for the first time, tempting us into withdrawing cash on them. Never, ever, ever do that – there's a host of hidden charges. More info & a full guide to Chip'n'Pin or Discuss this
Another new best buy savings account, 4.85%:
Rather bizarrely, mortgage broker London & Country has launched an easy access telephone based savings account paying an introductory 4.85% for six months, beating the 4.8% in the last tip. Full details.
Try Me Free:
Some foodstuffs often offer ‘try me frees' allowing to reclaim the cost after buying them. There's a MoneySavers hunt for them, plus MoneySaver Savee has kindly summarised all the current available offers. Reminder Free Watch:
It's still possible to get the free Accurist £110 (so it says) ladies & gents watch set with 0% card. This has been running a while, and stocks may dry up soon (guessing, but better safe than sorry). View it, Article detailing pros and cons
Quick Chat Forum Tips
£29.99 leather office chair + free sandwich toaster:
click here
Energysaving grants for cavity wall insulation etc click here
Free O2 Sims return: click here
Alien Quadrilogy £34.99 (read down the various suggestions) click here
Free Gunge (I've always wanted to be Noel Edmonds) click here
Sky Plus Box £99 AGAIN (no guarantees though): click here
Online Discount Vouchers: £10 off £20 spend John Lewis online, 5% off Dixons online, £5 off £30 spend at Iwantoneofthose, 15% off ‘New Look' voucher:
Andrea's Freebies / Samples: Ralph Lauren Blue, Kew Gardens entry, Rugby tickets, Body Shop shampoo, Transformers Demo CD, Ben & Jerry's Free Cone Day
Did you know?
Authorising a regular payment off a credit card (called a ‘Continuous Payment Authority') is much more dangerous a bank account ‘direct debit'. The problem is you can't cancel it, only the company its set up with can. The major, but not exclusive, culprit of such dodgy dealings are internet porn sites leaving people taking ‘embarrassed' monthly payments. Always make sure any CPA is set up with a legit company, and try to use direct debts not credit cards. Read an article on it. (based on an old report I did for R4 Moneybox) Discuss it.

Special Note for new e-mail recipients.
Welcome. I'm guessing you joined after one of two media appearances, if so here's links to articles relevant to the discussions.
Radio 2 Vine. Gas & Elec bills, Home Phones, Cheapest PAYG mobile, Cheapest way to call mobiles, Cheapest way to call overseas, Water bills. Plus the ‘Override' article.
UTVs Kelly show: Spending in the Republic (it's about spending abroad generally, but works specifically too), new Northern Ireland Chat Forum Board. Cheapest Place to buy the ‘Money Diet':
Offline is currently cheaper than online it's on offer at £4.99 in British Bookshops Surrey Stationers and £5.99 in WH Smiths. Cheapest online prices. Read more about ‘The Money Diet'New ‘earn as you learn' benefit for 16-18 year olds (England only).
The Education Maintenance Allowance (EMA) pays a means tested £10-£30/week direct into the bank account of 16-18 year olds from households with income below £30,000. It starts in September but they should apply now – so do tell ‘em. (forms in schools & colleges) Further bonuses are available for good attendance and commitment. Discuss it. Read the Government Press Release

Reminders of Popular Chat Threads and Articles

Credit Cards - which type is right for me Article
Free Anti virus software Chat Forum
Ryanair under £5 flight availability checker. Full details
Safe stockmarket growth plus 10% Article
Family cinema ticket £3.90 Chat Forum
Cheapest Personal Loan Article
Internet Security all you need for free Chat Forum
Save on MOT bills. Chat Tip
Cheapest Roadside Recovery: Article
Cheaper Prescriptions for regular users: Chat Tip

You may remember…
A few month's ago, I dedicated the tips e-mail to MoneySaver Don, who tragically lost his little girl when she was just 50 days old and wanted London Marathon sponsorship to raise money for the ‘Foundation for Study of Infants Deaths' who'd helped them through. I asked if the e-mail saved you money, it'd be great if you sponsored him £1 (or more). Well he's done it and over £1,600 was raised. Read his result and thanks. (and also you can still donate)Martin's Money Poser – a non notable note:
Not a riddle this week, but a question. What is the lowest value note currently in general usage in any country in the world? Answer or read others' answers. Past Money Posers, The Money Diet Question, Billy the Cad, what are X & Y?, stick or switch and where's the other pound?A personal note - thank you!
It's been a great week, record numbers of people joined the e-mail (now over 80,000 receive it) and my book the Money Diet got to number 4 in the Times Bestsellers list (non-fiction). This is a major ambition achieved for me, thank you so much to everyone who bought it, without your support, I'd never have got there.

As always please tell everyone you know about the site and joining up to the e-mail. Hopefully we'll hit 100,000 soon and then the banks & others will really start to tremble.

I hope you save some money

Martin

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To read more click here. To compare shops prices and buy it for less click here. To discuss it click here

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