Call any country free from a PC or just pennies from a normal phone/mobile. New Article
This is a cutting edge new guide to the very cheapest way to call abroad, without changing your phone. It includes the Callchecker which finds you the cheapest provider for every country. Even for a single call the cost savings are enormous, eg BT users pay £4.60 for a 20 min call to China but can do it instantly, on the same phone, for just 10p. New Article: Cheapest Overseas Calls (mini-mutterings) Related Articles: Home Phones, Roaming: Cut The Cost Of Using Mobiles Abroad
URGENT Ends midnight Thur. Scores of European Flights for £10 all in! How to grab them Earn £200 extra while shopping this year. Simply pay the right way! January Special
Some credit cards will pay you every time you spend on them; often easily adding up to £200 plus a year. So forget debit cards and cash, do all your normal spending on it, set up a direct debit to pay it off in full every month so there's no interest and you could rake it in. If you'll spend over £5,000 in a year, plump for Amex Platinum* (most people spend more than they think), if it's less, look at Morgan Stanley*. For much more detail read the Updated Article: Best Cashback Cards (mini-mutterings) Related Articles: Cashback Shopping Sites, Loyalty Schemes Tricks & Tips 80 Song MP3 Player under £5 The cheapest I've ever seen Earn the equivalent of 9.25% interest as a bizarre reward of inflation
NS&I (the govt. savings organisation) allows you to put £100 to £15,000 in index linked savings which pay interest of 1.1% above the rate of inflation (RPI). Previously I wasn't a fan, yet as inflation's now a huge 4.4%, that's changed. As it's tax-free this is equivalent to 9.25% for higher rate taxpayers and 6.9% at the basic rate; much higher than normal savings accounts. Yet money must be locked away for three years, and if inflation drops, so will your interest; still, as your payouts guaranteed to beat price rises, it's not a bad place to stash some cash. View/Apply: NS&I index linked (mini-mutterings) Related Articles: Top Savings Accounts, How Interest Rates Work, How To Start Savings, Premium Bonds STOP YOUR FRIENDS WASTING CASH! PLS SUGGEST THEY GET THIS EMAIL Special Briefing. "Should I Cancel Old Credit Cards?" Updated Article
I'm asked this question all the time, the simple answer is yes. Cancelling old cards helps your credit score and can possibly mean within 18 months you'll be eligible for 'new customer offers' with the same company. Yet some cards are better than others to keep. Updated Article: Should I Cancel Old Credit Cards? Related Articles: Best Balance Transfers, Best Lend For Spend, Credit Card Shuffle 2for1 Blockbuster rentals with Oystercard, even for non-Londoners. Shell out for less The cheapest Sipp (DIY Pension) provider. New Article
Pensions are a tax-efficient way to save for retirement; however, the growth of your cash depends on the investments made with it. Regular pensions make you choose a provider who will invest your money, yet for the market-savvy then Sipps (Self Invested Personal Pensions) are totally DIY – meaning you pick which funds, shares, bonds, futures, options or whatever else to buy. This new article has all the details - what you can put in a Sipp, what the costs are, whether to choose one, and who's cheapest. New Article: Sipps Related Articles: Pension MoneySaving, Shares: The Cheapest Way |
£38,000 saved on loan insurance. Staggering.... if you've got a loan check, check, check!
A couple of weeks ago I presented a Tonight with Trevor on cutting loan insurance costs. During my 'loanbuster clinic' in the programme I found savings of up to £3,000 - £4,000. Yet since, I've been e-mailed by three people who saw it and saved over £10,000 and one person with a large secured loan who was shocked (as am I) to discover she'll save £38,000 over its life just by ditching and switching the insurance. If you've got a loan this is a must to check. Articles: Cheapest Loan Insurance, Cheapest Loans, Cut The Cost Of Existing Loans
Have you used your free £250 Child Trust Fund voucher? Get up to 6.5% interest Car insurance for £48! Can you beat it?
Following the Cheapest Car Insurance article tip last week I got an email from someone who used it to get their car insurance down to £48! Of course it varies massively depending on circumstance, but it made me wonder did anyone get it cheaper? Report any sub £100 successes The Great "How to declutter your house and make cash" Hunt
If your home is jam packed with things you never use and you want to turn it into cash, where do you start? Easy, ask other MoneySavers. So in this great hunt, please tell all about your top decluttering for cash tips Add your ideas/read others Past Great Hunts: What Kids Should Know About Money, Job Based Discounts and Free Audience Tickets Attention First Direct customers! New fees start Feb 1 Read how to avoid 'em or ditch 'em Got an Egg card? Seen its new ads? Beware and beat the sting in its tail
On the anniversary of opening the account, Egg credit card customers are allowed to shift debt to it at 0% for five months. Yet Egg's big money advertising campaign isn't all sweetness and light; there is a massive trap. Transfer your balance normally and for most they make additional profit via a clever trick. However I've a sneaky way around this which bolts up that trap door and genuinely allows you to repeatedly enjoy 0% interest, whilst protecting your credit score. Read Updated Article: Egg Card Loophole Related Articles: Which Credit Card Is Best For You?, Best Balance Transfers, The Credit Card Shuffle MoneySavingExpert.com Job Vacancy Part-Time Help Team Assistant Needed
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Did you try for the free £15 Lovefilm voucher? What to do if it hasn't arrived
MONEY MORAL DILEMMA. Should Carol take on her desperate best friend for promotion
Carol and Madge have always worked together, they applied together and have been best friends since school. Unlike Carol, who's great with her cash, Madge is a financial nightmare, is heavily in debt and is struggling to keep a roof over her son's head. Now there's a promotion available at work, it's all Madge's been going on about as her 'way out'. Carol's not mentioned it, but she'd be interested in applying too and is the only one in the firm with as good a chance as Madge. Enter the Money Moral Maze: Should Carol take Madge on? Previous MMDs: Should Jack claim cashback?, Would you lend to a friend in need?, Give Santa the sack and Would you take the job? Great 'Slash The Cost Of Dry Cleaning' Hunt Results
Last week I asked MoneySavers to share their tips and tricks on dry cleaning without being taken to the cleaners! Suggestions you made included Haggle, haggle, haggle!, Do it Old Style, and Cut the cost of cleaning wedding dresses. New Forum Board! Bankruptcy & living with it?
Whether you've been through it and want to share your experiences or are unfortunately having to contemplate it, the Bankruptcies Board is a new sub-board of Debt-Free Wannabe. If you are considering going bankrupt, you should never do so without proper advice, from one of the non-profit debt counselling agencies as listed in the Problem Debt Help article. Discussions include The Bankruptcy Supporters Club, Which jobs are affected by bankruptcy? and Renting whilst bankrupt.
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