Archive: MoneySavingExpert's Money Tips Email

Make completely free "webweb" calls worldwide, but watch for "webphone" hype
It's possible to make totally free worldwide calls if both you and your mate have internet access. These free “webweb” calls are fab, yet watch out for “webphone” calls, where you dial normal phones from you PC – the good ol' fashioned phone is often cheaper. New Article: Completely Free Calls Via Your PC. (Special mini-mutterings) Related Articles: Cheapest Broadband, UK's Cheapest Home Phones Provider

Free CD-Wow £8.75 Voucher Loophole Urgently read how Here

Make £100 with a mate and get a 0% overdraft
Regulars'll know this but this is a heads up for newbies. Alliance & Leicester is top current account for new customers, offering a 0% overdraft for the first year and 5% interest if you're in credit. Better still get together with a mate, one of you joins then 'refers' the other and it gives you both £50! Apply/view: A&L*, Lloyds TSB* Article: Bag £100s In Free Cash Related Article: Top Current Account

Free burger/sandwich meal when you buy a drink at O'Neills. A tasty chat forum spot. Silly Burgers!

5,000 Free copies of Moneywise magazine's March 'MoneySavers' edition
Next month jointly with Moneywise magazine (the Uk's biggest person finance mag) I'm launching an 'Are you the UK's biggest MoneySaver' contest. As part of it I've negotiated 5,000 copies of the £3.95 magazine free. Free Moneywise

NEW Top 6.4% loan for less-than-perfect credit scorers
The majority of lenders quote ‘typical' rates when offering loans meaning they often give higher rates to ‘less desirable' customers. Yet a few lenders say “the rate we advertise is the rate you will absolutely, definitely get if you're accepted.” For loans over £7,500, Nationwi de* is 6.4%, making it the market leader. For lending of £5-7k, Skipton Building Society's* is 6.5%. For more details and cheapest normal loans read Updated Article: Cheapest Personal Loans Related Article: Cut Price Plastic Loan

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

£10 hotel rooms UKwide Travelodge is currently offering an extra 100,000 rooms at £10 Grabb'em Quick

Call mobiles at 4p/min weekdays, without changing phone provider (BT is 12p to 22p)
The headline looks good, but regulars will know this has just gone up from 2p/min: sadly they've raised prices. Even so this is a massive discount compared to mainstream operators and still worth using. See the UK Callchecker for more info. Related Articles: UK's Cheapest Home Phones Provider, International Callchecker

Remortgage guide now available by phone after technical hitch; long term fixed rates still super cheap
Last week I said a 10 year fixed rate mortgage at 4.67% had been launched. It had, it's an incredible rate and a long term fix rate. I also said the best thing to do was read a copy of my free 24 page guide to getting a remortgage. Sadly currently the online system is sick, so neither the printed nor PDF versions are available but you can still get it by calling 0800 073 1957. Read more about the guide. I'll let you know as soon as it's fixed. Related Articles: Sneakily Get Top Mortgage Advice For Free and Fixed Versus Discount

Top, no-tricks savings account 5.15%, but new best back-up account
The savings world can get complicated – bonus rates, age-dependant accounts, withdrawal penalties. Yet even if you don't want to jump through any hoops, you can still get a cracking 5.15% rate with ICICI* . However, there have been customer service problems with it (now mainly cleared up). For those wanting to spread their savings about the next best no-tricks accounts are Cahoot* or Bradford and Bingley's* at 4.85% interest. Updated Article: Instant Access Savings Related Article: Regular Savings, Where To Start With Savings

Grab six issues of Red Mag plus £50 of Decleor skincare for £6. Fab chat forum scoop

The Great 'Wine Tart' Hunt
Wine clubs are popping up all over the place, from retailers to newspapers. Many have introductory offers giving big discounts on first orders. So is it possible to 'wine tart' and zip around the different clubs to grab the intro deals? I thought I'd tap MoneySavers' collective (un)consciousness to find your wine tart tips. Add your ideas/read others Past Great Hunts:  Cultural Trips Out, Airport Parking and Spectacles

Great 'Home Safety' Hunt results
Last week I asked MoneySavers to let me know about cheaper ways to make your home safer. Tips you gave included Scene of crime suggestions, Free home security guide and Get a sound bomb

Want to be in a book? MoneySaving Old Style needs your contributions
The MoneySaving Old Style Board has a different feel to the rest of the site. It concentrates on thrifty living, how to minimise your expenditure. It's so rich in content I've agreed with my publishers to do a book based on contributions. It's being compiled now (and as I'm not writing it, all my share is going to my new MoneySaving kids charity). Your ideas and suggestion are needed in some areas. Take a look at this

Still not got your 6,000 Amex Nectar points? New solution here

FLIGHTCHECKER SALES WATCH  Cork, Girona & Almeria c. £20 each way
Budget airline Ryanair currently has a range of destinations for free. When you add in its taxes and charges this becomes roughly £20 in total. Use my special free FlightChecker to find the seats in seconds

Did you know? Comprehensive insurance may allow you to drive someone else's car
I'm insured for my Smart car, but this weekend I drove my friend's Merc on my policy. That's because many comprehensive policies include a 'third party all-cars' allowance, letting you drive other motors on your policy. Read more Related Articles: Car Insurance Cost Cutting, Cheapest MOTs, Petrol/Diesel Cost Cutting System

Appearances Note: Wright Stuff on Five 9am daily all this week
If you've joined the tip after seeing me on Richard Hammond's 5 o'clock show last week here's more info. I'm on telly all this week too on The Wright Stuff, Five, 9am

Board of the week: Northern Ireland
I'm often shocked by how abysmally served Northern Ireland is in many money sectors (e.g. car insurance, gas & electricity and even mortgages). To help, I've a Chat Forum Board dedicated to NI MoneySaving.  Discussions include Home heating oil, Cheap parking at Belfast International Airport and 02 abolishes cross border roaming charges

This week's Martin's Musings: I was naked on TV
'An 8p Valentine's card, good or bad?' and 'Am I the only MoneySavingExpert in the village?' Read m'blogs (or RSS users access)

VALENTINE'S POLL SPECIAL: What does LOL mean to you? Vote or Discuss. Also, see last week's Security Savvy Poll results

That's it for this week.  Except to admit some of us in MoneySaving Towers have been insider dealing. See what we've been trading

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.icicibank.co.uk, www.cahoot.com, www.bradford-bingley.co.uk, www.alliance-leicester.co.uk, www.lloydstsb.com, www.skipton.co.uk, www.nationwide.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