Archive: MoneySavingExpert's Money Tips Email

13 Oct 2004: Ultra cheap flights, better budgetting, switch energy, free cash, Argos clearance and much, much more MoneySaving

This info may be out of date. Read this week's emails

The following is the text of Martins Money Tips Email sent on 13 October 2004

Hiya. Switching is the name of the game this week, energy, credit card, your budget, and with the Ryanair flight checker even country!

URGENT: RYANAIR SALE! USE SNEAKY MONEYSAVERS' AVAILABILITY CHECKER. Ryanair has another sale, 75% off this time, but as usual finding availability is the problem. Regulars will know that a MoneySaver developed a clever piece of technology to beat the system. Use the flight checker to bag loads of flights under a fiver while you can. The sale closes Thursday 14 Oct evening, so be quick.

SAINSBURY CARD 0% FOR YEAR + CASHBACK – FREE CASH. The Sainsbury credit card, already top for purchases as it's 12 month 0% for them, now offers 0.25% cashback as an alternative to Nectar points. Those who are disciplined can spend on it for the year, pay just minimum payments and keep unspent wages in a high interest savings account to profit. Apply/view card* or, if you haven't already first read Best Credit Card for Purchases. Related articles: Best Cashback Card, Revenge Free Cash & Where to start with savings?

Please help your mates & this site. I think this is one of the strongest MoneySaving tips I've ever put out. Please forward it to friends so they can save too and suggest they join up to this e-mail (tell them just to go to www.moneysavingexpert.com and put their email in the box top left).

NEW ‘BUDGET THE MONEYSAVING WAY' SOFTWARE, NOW WORKS FOR EVERYONE. Budgets are a useful concept with one tiny problem - they never seem to work. Spending rarely follows a regular monthly pattern so I devised a system to calculate your true monthly spend. As the special Excel spreadsheet designed to automate the process didn't work for everyone, there's a new online version anyone should be able to use too. It's a great resource and, of course, like everything else on the site it's completely free. Budget the MoneySavingExpert way.

UH OH! WE CRASHED IT! TIME TO SWITCH ENERGY PROVIDER. This week's earlier ‘extra tip' worked too well; it crashed the winning price comparison website Energyhelpline/Cashback*, which finds the cheapest provider and p ays up to £20 cashback. It should work fine now. If you haven't already, first read the ‘Cheapest Energy Provider plus cashback' Article.
Plus StayWarm Customers' Good News. On Monday over-60s fixed-fee energy provider Staywarm backed down on usage limits. If you've been told you use too much it'll let you back. Staywarm Details.

Reminder: Cheapest Personal Loan 5.7% Cheapest Personal Loans

Reminder: Cut the cost of water Reduce your water bills

Reminder: Save on MOT Bills Motoring for less

ARGOS CLEARANCE HUNT. SPECIAL HEADS UP. Argos is clearing its old catalogue stock, but without publicising the sale. With the right codes, there've been huge savings. They're ebbin g away now, but this thread by itself has been the most popular bargain hunt on the site ever, and been reported by both the Mirror and BBC Online. Argos Clearance Hunt

LATEST QUICK CHAT TIPS (also see Chat Tips GOLD)

128mb USB Memory Key £15 Can you beat it?
4.1 Surround Sound System £3.52 + VAT Staples
Unofficial MoneySavers London meet a week Friday, see all get-togethers
School uniforms at reduced prices Kit the kids out
McDonalds voucher books Check your local paper
NTL customers save money Just one phonecall
Nokia 7600 mobile £30 Check your Carphone Warehouse
Nominate a Post of the month winner for October Post of the month
Most Popular Chat Tips Ever (with links)

ALLIANCE & LEICESTER CURRENT ACCOUNT OUT ON ITS OWN. Lloyds TSB has dropped the interest rate for new customers on its high paying Plus account (existing customers will retain any offer they're on). This leaves the A&L account, which pays 5.5% interest, has a 0% overdraft for a year and free travel insurance, head and shoulders above any other. Updated Article: Top Bank Account.

CHIP‘N'PIN MEMORY AID. There's a cute little system for anyone really struggling to remember multiple card pin numbers for chip'n'pin. It's called Pinsafe A Brief Review, Related Article: Chip'n'Pin: A quick briefing

THE PERFECT PREZZIE FOR SOMEONE WHO HAS EVERYTHING. I like this idea. You buy a useful gift for someone in the developing world e.g. a fishing net or care for an orphaned child; they get the prezzie and your friend gets a card telling them what's been done in their name. Chat Forum Thread: One gift for two.

Andrea's Freebies: Eukanuba Dog Food 50p Olay breast cancer donation Golf balls Draw-string bag Estee Lauder mascara

Try Me Free Summary, Freebies GOLD

ABOUT TO POP THE QUESTION? Ladies look away now. Gents, if you've ever wondered how much and how to pay for an engagement ring (but were too afraid to ask!) then this Chat Forum tip ringing up the cost is for you. Related discussion topic: MoneySaving Weddings

1 YEAR ON…. ROCHDALE GUY IS DEBT FREE! A year ago MoneySaver Rochdale Guy asked about his nightmare credit card situation. With the site & user's help he slashed the interest, budgeted and on Tuesday announced he was Debt Free. Wonderful news. See it as it happened

VOTE: WILL HOUSE PRICES CRASH? (ENDS THURSDAY) Vote here and discuss.

125,000 Thank Yous! 125,000 people now receive this email, amazing! It's just 10 weeks since the 100,000th signed up. Huge thanks to everyone. It's uplifting so many people are now involved helping each other save cash and stop being ripped off. Special thanks to regular chatters.

If I can be a tiny bit slushy for a second too, when I see messages like this post changed my baby's life, and realise the community we've built, I find it hugely rewarding.

I hope you save some money

Martin

*Affiliated link: Click via these links and a contribution is made to MoneySavingExpert.com, which helps it stay ad-free, sponsorship-free and free to use. This in no way impacts any editorial decisions (what I write), costs you anything or changes the product. For identical links which doesn't help the site go to either www.energyhelpline.com/cashback or Sainsburysbank.co.uk. For more on how it works and the site's non-profit driven ethical and financial policy read this.

Guide to finding info on MoneySavingExpert.com.

Find out more about Martin's Book ‘The Money Diet'

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 read this

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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