Archive: MoneySavingExpert's Money Tips Email

Personal loan rates now at historic lows, down to 4.6%. New Cheapest Personal Loans Article
Loan rates are fixed at outset so if you need to borrow it's a great time to lock in. Moneyback* at 5.5% is cheapest, but only for good credit scorers who don't want insurance or flexibility. In this totally re-researched article internet loan brokerage Zopa* is included for the first time. Its rates are as low as 4.6%, but only for top credit scorers. Full details, best buys, poor credit scorer options and warnings in the New Article: UK's Cheapest Personal Loans. (Mini-mutterings) Related Articles: Cheapest Credit Card For Spending On, Your Credit Score, What To Do With Problem Debts

2 for 1 at Vue cinemas Entering a competition gets you the voucher Oscar-winning chat tip

Free evening and weekend calls and they give you £2 a month!
There's a special tariff available till 31 March. Sign up to Primus Talk Freetime Plus 2 (which has unlimited eve & weekend calls) via price comparison site Uswitch* and while it costs you a £2.99 monthly fee, you get a £5 monthly rebate - effectively netting you £2! It's a bit complex, but worth it. Read more: Ring up the savings. (Mini-mutterings) Related Article: Cheapest UK Home Phones

£40 worth of lipstick and 3 Elle mags for just £1 top chat tip spot

Thank you! £5,006 donated to Senegal health centre and surprisingly 6 kids funded for school
My estimates were wildly exceeded. There were 9,985 new recipients of my email in response to m'pledge to donate 50p per recipient to generate £2,418 to buy solar panels for a Senegal Health Centre, means £5,006 is donated. My target was £2,418 for the solar panels. Now added to that there's money to buy Health Centre equipment, vocational training for 2 Senagalese orphans, 6 sewing machines, 6 sets of school toys and 6 school classroom equipment. Thanks so much. Discuss this

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

FREE! 12 iTtunes music tracks Worth £9. Another top chat tip spot

Powergen raises prices by 18% on gas 24% on electricity. What to do
As predicted another company's raised its prices. As noted in previous e-mails now isn't the time to switch as the playing field isn't level as more companies will raise prices so comparisons are ludicrous. Unless that is you've never switched (ie you're using British Gas for gas and your regional electricity company for elec) then you should switch anyway - simply as you're paying soooo much over the odds, you should save even if the new company's prices rise. Article: How to find the cheapest gas & elec provider plus cashback Related Article: Cutting Your Water Bill

Cheapest New England Football Away Kit £22 for adults and £17 for kids Stripped down price

Changes (for the worse) in top 0% balance transfer (shifting existing debts) cards
A balance transfer is when you get a new credit card that pays off the debts on your old card for you so you owe the new card the money. Sadly HSBC's just dropped its 9 months 0% fees-free balance transfer offer so the longest standard fees free offers are now 6 months, with many cards including Amazon*, Marks & Spencer* and the Post Office*. There are ways to get longer fees free cards, but there's the odd hoop to jump through. The best thing is read full details in the Updated Article: Best Balance Transfers Related Articles: Best Card For New Borrowing, The Credit Card Shuffle

Donate 25p to Anthony Nolan Leukaemia Trust at no cost with a simple click Click and give!

Digital/Satellite TV Cost Cutting Guide. Includes the sneaky insider information
A reminder for new MoneySavers, one easy way to save is to batter down the cost of your digital/satellite TV with this five-step cost cutting plan. It includes the insider info from a former Sky employer. Article: Digital TV

Great Cheap Tan Hunt
Pale and sexy still isn't chic. So how do you get that natural looking tan when you can't trip abroad, especially if you want to try and keep your skin safe? I thought I'd ask other MoneySavers to see what they do.... good fake tans, cheapest, easy way to spray.... what's your solution?  Add your ideas/read others Past Great Hunts:  Wine Tarts, Cosmetics Cost Cutting and Factory Shops

Back up your mobile data
Last week I asked MoneySavers to help me find the cheapest way to back up your mobile data. Ideas you gave included using Float's Mobile Agent, 02's Phonesync and My Phone Explorer for Sony Ericssons

Another £3,000 and £2,000 successful endowment misselling result.... if you haven't done it...
Two more e-mails one after the other both saying (I paraphrase) "woo hoo, just got compensation, never bothered before, decided after your last note, it only took an hour and was very easy". Remember you can do this for free (and I don't mean no win-no fee, I mean no fee whatsoever) and at speed. Article: Act Now On Endowment Misselling

FLIGHTCHECKER SALES WATCH  Rome, Biarritz & Almeria c. £20 each way
Budget airline Ryanair currently has a range of destinations at 19p each way. 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

JEREMY VINE NOTE:  I'm on Vine, 1pm on Radio 2 this Friday, talking about savings

This week's Martin's Musings: Watchdog doing prevention - an exciting rarity
'Hoorah! The ASA now recognises MoneySaving as a unique discipline' and 'Now we're everywhere and can go everywhere too!' Read m'blogs (or RSS users access)

PICK THE FUNNIEST MONEY JOKE: A few weeks ago I asked you to tell me your MoneySaving jokes. I've shortlisted the best, now let's see which one made you laugh the most? Vote or Discuss. Also, see last week's House price Poll results

That's it for this week.  However this week's funny end game is perhaps the worst game I've ever seen on the internet. I'd like to thank Talya (my little sister) for sending it to me. How long can you hold it?

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.american-express.co.uk, www.uswitch.com, www.mbloans.co.uk, www.zopa.com, www.morganstanley.com. For more on how it works and the site's non-profit driven ethical and financial policy read this.