Archive: MoneySavingExpert's Money Tips Email

Major Flight Sale Until Midnight Thurs! £10 e/w includes taxes & charges. Destinations include Berlin, Rome and Oslo
Budget airline Ryanair is offering flights to a raft of European destinations from a raft of British airports for £10 each way; unusually and importantly this price includes all taxes and charges. The special FlightChecker can speedily find these flights for you. Full Details Related Articles: Cheap Flight Finding, Travel Insurance Cost Cutting, Cheapest Way To Spend Overseas

32" HD Ready LCD TV £499 Very low price for this type of TV (for those who can afford it, gulp!) from Sainsbury's

12 months 0% on spending and rewards. New top lend for spend and how to make £200 from it!
Marks and Spencer &More card offers 12 months 0% on all new purchases and pays loyalty points worth 50p per £100 spent. For those needing the cheapest credit card for new borrowing, it's the new market leader (though ensure you either repay it or shift the debt before the 12 months is up) Updated Article: Best Lend For Spend. Yet there's a way to make money too if you're debt free and careful. Use it for all normal spending, making just min. repayments, then put your, therefore, unspent wages into a high interest savings account, so you're earning interest plus rewards on money lent to you for nothing. For full 'how to' details read Updated Article: Revenge, Free Cash From Credit Cards (mini-mutterings) Related Articles: Earn 3% Cashback On All Spending

LAST CHANCE! Ends Thurs. Massive Loophole to save £400 on Holmes Place/Cannons Gym Membership
I'm pushing this hard as it's one of the biggest loopholes I've seen for a while. In a nutshell, get a private medical insurance policy, which can cost around £20/month and you get six months' free gym membership which would cost £60/month. Full Article: Major Gym Saving Pls tell anyone you know using/looking for a gym!

Passport due for renewal within 9 months? Renew now as prices rise from £51 to £66 on 5 October

Top 0% balance transfer card to end? URGENT? If you need it, do it now
The Post Office credit card is currently my top pick 0% balance transfer card, as it has the longest fees-free 0% offer; meaning you can shift debts to it for six months at absolutely no charge. Yet the rumour-mill has it that this deal's about to drop, it's purely Chat Forum gossip, but the signals seem very strong, so I suggest very speedy applications Apply/view: Post Office* Article: Best Balance Transfers

STOP YOUR FRIENDS WASTING CASH! PLS SUGGEST THEY GET THIS EMAIL

Free £10 cash loophole. May close any moment
A casino's offering all new registrants £10, but you can simply register and ask it to send you the £10 without gambling. My suspicion is this'll be shut down as this email's huge traffic hits it, possibly even during the send (it takes 12 hours to get to 690,000 recipients) so be quick. Chat Tip: Free £10 (mini-mutterings) Warning: Gambling isn't MoneySaving!

Quick Tip. Don't catch a bad credit history from your partner... never get joint finances!
Living with someone doesn't link your credit file with theirs, but having joint finances does. A joint mortgage, bank or savings account (although not a credit card), means partners' credit histories can impact companies' assessments of whether to lend either of you cash. If one party has bad debt history then avoid any joint products or you'll struggle to gain cheap credit. If you split up with someone you've joint finances with, once the accounts are separated, write to the credit reference agencies and ask for a notice of 'disassociation' (mini-mutterings) Related Articles: Check and Improve Your Credit Score, How Credit Ratings Work, Cheapest Personal Loans, Best Balance Transfers

Rant or rave? Listen to or watch a video, audio or podcast of the e-mail
Each week I record a 'muttering' commentary on the top tips in this email. You can watch a video podcast or listen to an audio version on Itunes sites. There's also a PSPc ast or you can download a Windows Media Player version. Read an explanation and feel free to discuss it

Great "Free Audience Tickets" Hunt
Many a production company offers free audience tickets to TV & radio show recordings and broadcasts, the trick is knowing where to find them. I thought I'd tap MoneySavers' wealth of knowledge to collate a list of sources in one, easily accessible place.  Add your suggestions/read others Past Great Hunts: Ways to cut booking fees, Cut the cost of learning to drive and Free Info

WARNING! 3 days to tax self assessment deadline! Plus Tax Tony's answered your questions
After 30 Sep send this year's self-assessment forms to the Inland Revenue and it doesn't guarantee to do the calculations for you. A couple of weeks ago I invited MoneySavers to ask senior tax accountant Tony Tesciuba (aka my Uncle Tony) questions. His answers are in the New Article: Taxing Times Take 4 Chat Forum: Cutting Tax

The Great "Kids' Car Seat/Booster" Hunt Result
Last week I asked MoneySavers to let us know about value for money car seats/boosters. Suggestions you made included Boots Seats plus 500 Advantage Points, Woolies sale amd £2.99 Booster seats

Are you paid minimum wage? Rates increase on 1 Oct to £5.35 for over 22s; £4.45 for over 18s; and £3.30 for 16-17s. Also check if you're entitled to benefits/tax credits read 5 Min. Benefit Check-up

Beyond Baked Beans Book Did you ask for one? Find out if you got one

Board of the week: Green & Ethical MoneySaving
Sometimes going cheap can hurt the environment. This board covers MoneySaving while still keeping your environmental and ethical values. Green & Ethical MoneySaving Discussions include Having a green/ethical baby, Living without a car and Using a mooncup (for the ladies) plus there's the Great Use Less Water Hunt

Help me save money... as I've rediscovered playing it, thought it time to introduce newbies to MoneySaving The Game. If you ignore my rather bizarre voiceover, it can be strangely addictive!

On the box this week: Talking Christmas on LK Today & Talking Turkey on The Wright Stuff: I'm on LK Today, this Thursday ITV1 talking the 12 Saves of Christmas, 8.45am and on The Wright Stuff panel all this week, on Five, 9 to 10.30am

This week's Martin's Musings: This site's changed my life
'Go.. Go.. Go.. MSE Jenny money and fitness queen' and 'Debt suicide, the banks' fault or the deceased?' Read m'blogs (or RSS users access)

HIGHEST REASONABLE INTEREST COST POLL: What would you consider extortionate? Vote and Discuss. Last week's Inheritance Tax vote result: Ditch inheritance tax.... it seems no inheritance tax is by far the most popular option with 80% of you saying you'd rather not have it. See poll results

A MoneySaving Baby! That's it for this week, but before I go, I wanted to say huge congratulations to Webby (Brendan, MSE's Webmanager) and his wife Janine on the birth of little Aimee... see the pic

I hope you save some money

Martin

*links: Any links with a * by them are affiliated. That means go via this link and a contribution may be made to MoneySavingExpert.com, which helps it stay ad-free and free to use. You shouldn't notice any difference, the links don't impact the product at all and the editorial line (the things I write) is NEVER impacted by it. If it isn't possible to get an affiliate link for the best product, nothing changes, it's still included in exactly the same way. As I believe transparency is important, I'm including the following 'un-affiliated' web-addresses for the same things: insuresupermarket.com,confused.com, tescofinance.com, energyhelpline.com, uswitch.com, american-express.co.uk, morganstanleycard.com, alliance-leicester.co.uk, mbloan.co.uk, icicibank.co.uk, amazon.co.uk, postoffice.co.uk, northernrock.co.uk. Read more about this site and how it's financed.

Referring people to insurers or insurance intermediaries can in some circumstances require FSA authorisation. For this reason, Martin Lewis of Shepherd's Studios, Rockley Road, Shepherd's Bush, London W14 0DA is authorised and regulated by the Financial Services Authority.