Archive: MoneySavingExpert's Money Tips Email

29th Sept 2004: 18 month 0%, £10 printer, 3.9% loan, House Buying/Selling, Minimum Repayment Warning, £10 PAYG phone, Value your Loyalty Points and much much more MoneySaving...

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The following is the text of Martins Money Tips Email sent on 29 September 2004

Hiya. Lots of good little'uns today. The 3.9% loan is definitely worth a read if you're planning to borrow. Admittedly it takes a little work, but it is powerful MoneySaving.

ACT QUICK! CHANCE FOR 18 MONTHS 0% CARD. The leaflet I've mentioned before for the Capital One 18 month 0% (the longest anyone's ever offered) was in some Mail on Sunday You Magazines last week. You can't apply without the leaflet, so rummage around for it or ask mates. More info: 18 month 0% discussion. For those without the form, 12 month 0% cards are easily available elsewhere. See Articles: Best card for purchases, best balance transfers or Credit Cards: Which is right for me?

PRINTER-TASTIC SAVINGS: Colour printer just £10. Nowt clever about this. Just a couple of super-dooper top bargain spots from the Chat Forum. There's a cheap colour printer from Dell for a tenner, or an all-in-one colour printer, scanner and copier from Lexmark for under £50. Be quick though – when things like this have been in the Tip before they've often sold out.

GET A LOAN AT JUST 3.9%! Updated half price plastic personal loan trick. The cheapest personal loan on the market is currently 5.7% and requires a top credit score. Yet, if you're willing to play I've a recipe to beat the system and get a 3.9% loan. Fully Updated Article Half price plastic personal loan. Related Article: Cheapest Personal loan

HOUSE BUYING, SELLING & PROPERTY PRICES (includes hot house-selling tips) House Buying, Selling and Property Prices is a new Chat Forum discussion section to accompany the Mortgages & Endowments Board.

Already there, is the hugely informed House Selling Tips

CASHBACK CARD DROPPING RATES: DITCH & SWITCH Accucard/Easycard/Texaco card. Annoyingly these three cards (managed by the same company) are dropping their cashback from 0.8% to 0.5% from 1 November for existing customers and earlier for new customers. Sister cards from More>Than & Ipledge stay at 0.8%. You can do substantially better. Updated Article: Best Cashback Card.

VALUE YOUR LOYALTY POINT STASH. If you've a stash of Nectar points, AirMiles, BA Miles, Tesco Clubcard points, Boots Advantage points or any other, as a by-product of last week's credit card rewards piece, there's now an easy ‘value your loyalty points' article too.

LATEST QUICK CHAT TIPS (also see Chat Tips GOLD)

£10 Pay As You Go mobile Does your Teso stock it?
Free digital photo prints ends Thursday 30th pm Upload and go
£15 Virgin airtime for a tenner Glue
Cash for surveys x 3: Cash for surveys, Yet more cash for surveys, Pinecone revisited
14” TV/DVD combi: Can you beat £68? How low can it go?
Nominate a Post of the month winner for September Post of the month
Most Popular Chat Tips Ever (with links)

DANGER! WARNING & TRICK FOR ANYONE ONLY MAKING MINIMUM REPAYMENTS! If you've credit card debts and are just making the minimum repayments (excluding doing it tactically on 0% cards) it is hugely dangerous - £3,000 debt on a normal card takes 40 years to repay and costs over £6,000 in interest. A little trick saves thousands without busting the bank. New Article: Danger! Minimum Repayments

TRAVEL, MOTORING, BEAUTY, SUPERMARKET SHOPPING TIPS. Two new special articles Travel and Motoring MoneySaving Tips and Beauty, Supermarkets & Shopping MoneySaving Tips include a host of links to the best Chat Forum tips on each subject.

5 MINUTES A DAY TO MAKE CASH. A quick reminder for those that like a game. Sign up for the cashback sites detailed in ‘cutting edge internet shopping', and then there's a trick detailed at the end to earn yourself cashback without spending each day.

Reminder: Beat the cost of 0870 numbers Say No To 0870

Reminder: Find the cheapest time to go Ryanair Flight Checker
Reminder: 0% for 12 months with rewards Best Credit Card for Purchases

A WHINE ABOUT FREE FLIGHTS: Some people haven't got the free flights promised from the Gallo wine flight offer sold at Sainsbury. Is this wide-spread? Report your experiences (or view original tip).

DID YOU KNOW? 16-17 year olds & students can tax proof themselves by putting money (up to 3k) in a tax-free mini-cash ISA. Even current non-taxpayers should do this, as cash ISAs keep their long-term tax free status providing cash isn't withdrawn. ISA limits are being lowered in the next couple of years so, if possible, stash as much away now as you can. Discuss. Articles: ISA Guide, Mini-cash ISAs, Childrens' Savings Accounts
Past Did You Knows. Married Couples Can Save Tax on Savings, Who owns a website?, Bailiffs can't force themselves in your home, Reclaim 1p on carrier bags, How your savings are protected

Andrea's Freebies: Homebuying magazine, Free courses, Intofootball magazine, Olive magazine, 2 weeks' DVD rental, New Humanist magazine Try Me Free Summary, Freebies GOLD

URGENT TESSA NOTE AND UP YOUR TOISA RATE: The last Tessas matured in April. You have six months to move them into a special ‘Tessa-only ISA'; that means at best you've only two weeks left. For those who already have Toisas it's still possible to increase the rate.

Updated Article: Increase your Toisa Interest. Related Articles: All savings & investments articles.

MARTIN'S MONEY POSER: A triple-x-special. There haven't been any posers for a while, mainly as I couldn't think of any. Yet this one's simple, fill in the X's: 66,287,37,934,64,827,xx,x66,99,9. View others' answers or discuss it. I warn you this is almost as tough as Crack the code, so if no one gets it I'll post clues.

Selected past Money Posers: See Smirnoff Differently, A question of risk, stick or switch.

NEW SITE POLL: Would you renationalise? This week's poll asks “did privatisation work?” Vote or Discuss. Last week nearly 1 in 3 people said they'd sell to rent.

As usual I'm about to ask you to tell everyone you know about the site, but as I write, my spelling has just proved professionally abysmal, and as it made us laugh I've shared the story here Noubt wrong with my spelling! Now onto the serious bit. If you like the e-mail and the site please do help out by persuading and cajoling friends to take a look. The more of us, the more big companies quake. The best thing to do is recommend they join this e-mail - it's the easiest way in.

I hope you save some money

Martin

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What is MoneySavingExpert.com? It's a website focused on the very best ways to save money on everything and anything. It is owned and run by journalist Martin Lewis, the Money Saving Expert on ITV1s This Morning, Sunday Express columnist, BBC Radio 2, 4 & 5 amongst others. To read about how the site is funded click here

Disclaimer: This e-mail is based on journalistic research. It does not constitute financial advice. Any information should be considered in regard to your own specific circumstances. All tips are followed at your own risk and should be followed up with your own research Full Terms & Conditions.

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