Archive: MoneySavingExpert's Money Tips Email

New Top 0% for 14 months card. Must read if you pay interest on credit cards. Updated Article
Balance transferring means shifting debts to a new card with a cheaper rate, saving £100s a year.  There are two new market leaders. If you can clear most/all the debt within a year the Tesco card* is 0% for 12 months, with a fee of 2% of the amount shifted. Alternatively moneysupermarket is offering this version of Barclaycard Platinum* which is 0% for 14 months, but with a higher 2.9% fee. Yet only go for these if you're prepared to shift the debt again when the 0% ends; for the alternatives, how tos, pros & cons read the Updated Article: Best Balance Transfers (mini-mutterings) Related Articles: Best Lend For Spend, Best Cashback Cards

Free Wilkinsons Sword Xtreme 3 razor Worth £3. Just click and grab (go quick it may run out)

Get the cheapest online shopping: Shopbots and other tricks to slash the cost! New Article
Whether you're buying books, electricals, flowers or more - never go straight to just one internet shop.  In the same time a shopbot will reveal the cheapest price from scores of retailers. This is re-researched and rewritten guide to online shopping, including discount vouchers, buying from overseas sites, Amazon tricks and more.  New Article: Online Shopping (mini-mutterings) Related Articles: Best Cashback Cards, Consumer Rights, Golden Rules Of eBay Shopping

Ends midnight Mon. Scores of European Flights for £10 all in! How to grab them (mini-mutterings)

Free mobile deal: 150 texts & 150 cross network minutes sim card
e2Save (part of Carphone Warehouse) has a Virgin £15 Sim only* 6 month contract deal, which includes 150 texts & 150 cross network minutes (calls to all landlines and mobiles) for £15/month. Yet send your third and sixth bill within 30 days and you can reclaim the whole £90 fee. The market's riddled with cashback deals like this, but the short contract and reasonably reputable company, who can I put pressure on, make it a better bet. Pros & cons in the Full Briefing: 6 month free Sim (mini-mutterings) Related Articles: Mobile Phone Cost Cutting, Batter Down Your Mobile Contract

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

49p Energy Saving Lightbulbs. In-store at John Lewis See the light

Wat'er Saving! Are you a light sewerage user? Updated Article
As well as the normal 'should you get a meter', now I've added a big chunk of sewerage to the article! Sewerage processing costs make up approximately half the bill, yet if you use a substantial amount of water from an outside tap, or have a pool or pond, it probably doesn't end up as sewerage. So you can ask the water company to reduce the bill. Updated Article: Water Bills (mini-mutterings) Related Articles: Cheapest Gas & Elec, Cheapest Home Phone

Reminder. Best Bank Account 6.5% in-credit, 0% overdraft & possible £50 Best Bank Accounts

Best Buy Cash ISA 6.5% Barclays Updated: Processing is slow but you won't lose interest
A cash ISA is effectively a tax-free savings account you can put up to £3,000 a year in, and everyone who has savings should consider it.  The current top pick is the Barclays Taxbeater cash ISA, yet Barclays admits it's been swamped and has some big delays processing applications.  Importantly though it promises it will pay interest backdated to when the application form was handed in the branch, plus anyone who handed in forms for the 2006-7 tax year will still get it for then.  Overall this means nothing lost, but if it worries you, the next top pick is the Egg Cash ISA* at 6.05%. Updated Article: Best Cash ISAs (mini-mutterings) Related Articles: ISA Guide, Where To Start Saving, Instant Access Savings

Bank Charges: Don't ask. Do write. Do get! Reclaim £1000s
There's increasing feedback that the banks are operating a "only payout if someone insists" policy to bank charges reclaiming. So let me reiterate, follow the step-by-step guide, send the template letters rather than just calling up, and stick to the timetable you set; ignoring their "why not go to the Ombudsman' letters - and all indications are you'll get all your money back. Full Step-By-Step Guide: Bank Charges Reclaiming Related Guides: Mortgage Fee Reclaiming, Council Tax Reclaiming

LloydsTSB Save The Change Contest: Did you get the full £100? Enter the MSE challenge

Act quick. Fixed rates are rising rapidly - time to fix your mortgage?
Cheap fixed-rate availability is fading fast, and the impending likely base rate rise will push even the best up around 5.5%! With fixed rates, companies sell a certain amount, then reassess the rate depending on long term interest rate predictions. A few big lenders haven't sold out their old, cheaper deals yet so if you're free to switch and are looking for stability, do it quick. Read the step-by-step 30 page MoneySaving guides to either Newbie home owners : PDF, free printed version, more info or Remortgaging: PDF, free printed version, more info

Great 'Buy Now From The US' Hunt Result
With the pound so strong against the dollar at the moment last week I asked MoneySavers to revisit the 'Buy Now From The Us' Hunt and share their tips. Suggestions you had included buying Designer Specs, Cheap DVDs and American Eagle Clothes

Sipps are now regulated by the FSA. For full DIY pensions info read Cheapest Sipp

Great 'what to buy on a day trip to France' Hunt
There are plenty of great-value ways to cross the channel, but aside from cigarettes and alcohol, what are the best value things to buy when you get there? This question is often asked in the forum, so I thought I'd ask for MoneySavers' top tips on shopping continental style. Add your ideas/read others Past Great Hunts: Free/Cheap Family Games, Tips To Cut Postage Costs and Use Less Water