Archive: MoneySavingExpert's Money Tips Email

NEW YEAR DEBT HANGOVER CURE: Don't pay more than you need to
Hopefully most MoneySavers will've borrowed the right way anyway, yet if you're paying interest on your debts ensure you minimise the cost. Most people should simply shift their debts to the lowest 'life of balance' credit card offer where the low rate stays until you've all the shuffled debt's been repaid, the current cheapest is Amex* at 4.9% life of balance. For those willing to shift debts again and again HSBC and Lloyds Platinum offer 9 months 0% no fee. Better still read Best Balance Transfers Related Articles: Where To Start With Problem Debts, Best Credit Card For Purchases

FLIGHTCHECKER SALES WATCH  Ryanair "free" flights sale all routes! Ryanair's doing another of its free flight sales. Of course 'free' is bumkum, you need to pay tax and Ryanair's charges, however the max price is £31. M'free, non-commercial FlightChecker to find you these seats in seconds.

Sneaky loophole to earn 14% interest saving for Christmas 2006
Don't groan but now's the perfect time to start saving for Christmas. To help, I've rekindled my loophole allowing you to effectively earn 14% interest. Article: Double save for Christmas. 

Ten 2 for 1 cinema vouchers Just for the price of a £4 powderpuff Can you find a cinema near you?

Ditch your charity credit card as a New Year's resolution
I hate charity credit cards. It's a false feel good promise. A typical charity credit card donates 0.25% of your spend, yet use a cashback credit card and up to 2% of your spending is paid to you as cash. Donate this cash ticking the gift aid box and the charity gets even more, up to ten times the amount. So take 15 minutes and maximise your giving. Updated Article: Switch from charity to cashback to give more Related Article: Feed The Starving For Free

SPREAD THE SAVINGS THIS NEW YEAR! Pls suggest friends/family/colleagues get this email too

WARNING! Self assessment deadline 31 Jan! Free personal/small biz tax help
If you don't hand your self assessment form in by 31 Jan, you'll be fined £100. Experienced tax accountant Tony Tesciuba (aka my Uncle Tony!) has agreed to answer small biz/personal tax queries in the Chat Forum over the next few days. Ask a question/see how it works or read the answers to the last tax Q&A

MoneySavers don't smoke! Quit smoking, save on cigarettes and £23K on financial products
A 20 a day smoker spends £1800 plus a year. Worse still it adds £23,000 over 25 years to the combined cost of life assurance, medical insurance, critical illness policies and many other products. The reason's simple: smoking means you're massively more likely to die or get seriously ill during the life of the policy. So for your health and your wealth read more about it and pledge to quit

SHOCKING REVELATION! Next 25 December is Christmas Day!! Act now!!!
The number of people who claim Christmas debts are due to 'unexpected' expenditure problems, means I thought it was worth a warning that Christmas is due again this year. To help I'm launching the Great 'things to buy now for Xmas' Hunt, I want to tap MoneySavers knowledge on what you should be buying in the sales and where the best deal is. Add your ideas/read others Past Great Hunts:  Ways To Cut Back, Pricebeaters Plus and Free Info

EXTENDED! 10% savings account if you switch to the best current account plus £50 bribe
Alliance & Leicester* is already top current account; it pays 5% interest, offers a year's 0% overdraft, plus play its refer-a-friend scheme and you can make £100s. As an additional bribe, sign up in January and it has a special linked 10% paying regular savings account. Read a full Special Briefing Related Articles: Best Current Account, Bag £100s free cash, Regularly Beat The Best Savings Accounts

Getting married in 2006? Have a MoneySaving wedding
As it's the New Year, I thought it'd be a good time to point out the MoneySaving weddings article and the discussion it stemmed from. Read the MoneySaving Weddings article, then read the original thread and discuss MoneySaving Weddings

FREE 4 week LA Fitness gym trial Remember to cancel if you don't want to continue it Shave off the £s

RICHARD HAMMOND'S 5'OCLOCK SHOW: I'm part of the team on Richard Hammond's new ITV1 daily 5 o'clock show. Every Thursday I'll be showing the audience how to save cash and going through my top tips of the week, starting this week

Board of the week: Student MoneySaving
You're probably strapped for cash after all the Xmas festivities. To help there's a special board dedicated to Student MoneySaving. Discussions include Inland Revenue letter for students, Worried about student loan and Can I have more than one student account?

JEREMY VINE THIS FRIDAY DEBT SPECIAL: My monthly phone in on Radio 2's Vine show is on all aspects of debt. It's on Friday from 1 to 1.40pm

KEEP OR TELL POLL: £1,000 lands in your current account from nowhere. Would you keep it? Vote or Discuss. Also, see last week's emergency savings Poll results

That's it for this week. Before I go, with all the talk about debt above, I thought we all needed something cathartic to end. There's a lovely programme on the web that uses mathematical modelling to map the falling of grains of sands. Sounds boring, but it's actually really cathartic and addictive. Falling sand

I hope you save some money

Martin

*Affiliated link: Click via this link 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 an identical link which doesn't help the site go to www amazon.co.uk, www.alliance-leicester.co.uk,, www.american-express.co.uk. For more on how it works and the site's non-profit driven ethical and financial policy read this.