Archive: MoneySavingExpert's Money Tips Email

The Top Cashback Sites: Buy through them & make £100s, plus free cash loophole New Article Cashback sites have come a long way since I last did a full market review.  Now many people rake in over £1,000 a year through sites like Quidco or Rpoints, which pay you every time you buy something or sign up for a product through them.  Better still, if you’ve time it's possible to make serious money without even spending.  This new review is complete with pros and cons, and tips on how to maximise your cashback. New Article: Cashback Kings Related Articles: Cheapest Online Shopping, Best Cashback Credit Cards, Credit Card Freebies

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Did a mortgage lender flog you life insurance? Save £1,000s in minutes New Article
Mortgage life insurance pays off what’s left of your mortgage if you die, yet sadly most people were flogged a hideously over-expensive version of it with their mortgage.  It's very simple to switch to similar cover at a fraction of the cost, cutting your monthly outlay and saving possibly £1,000s over the policy's life.  This is a fully re-written and re-researched article including a full survey of the cheapest providers. New article: Mortgage Life Insurance Related Articles: Cheapest Car Insurance, Cheapest Home Insurance

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Cheapest Home Insurance: Now either cut the cost or get £50 Updated Article
Four big home insurance providers are currently offering special deals, such as £50-£70 cashback or a freeze in future premiums if they can't beat your renewal quote. Yet never start here; first, follow the usual system using the screenscrapers Moneysupermarket*, Confused.com* and Compare the Market*  which between them will compare 20 brokers and 26 direct insurers’ prices.  Then compare the best of those to the best of the four home insurers (Barclays*, Halifax*, LloydsTSB and Norwich Union*) results.  Better still read the Updated Article: Cheapest Home Insurance Related Article: Cheapest Car Insurance, Cheapest Boiler Cover

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Using Staywarm for gas & electricity? Now you can do a comparison & save too
Staywarm is the special fixed fee gas & elec provider for homes with someone aged over 60 in them. Sadly it's no longer anywhere near as good a deal as it once was, but until now comparing's been a nightmare. Now UK Power* has become the first comparison service to allow Staywarm customers to see if they can save by switching, and it'll pay switchers £15 cashback too. Updated Article: Staywarm Briefing Everyone else switch & save via: Cheapest Energy Supplier plus Cashback

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Are you an AirMiles collector? Earn £40 as NatWest ditches the scheme
From June 1, NatWest stops doling out AirMiles if you spend on its credit card; yet Lloyds TSB's replacing it. While my view is stick with the Best Cashback Card, this will boost your points-earning ability. Apply for Lloyds' card and you'll automatically get a Mastercard and an Amex. The Amex pays out 1 AirMile per £10 spent; that's twice as good as the old NatWest card - but the Mastercard isn't worth bothering with. Better still, sign up via the AirMiles website, not Lloyds TSB, and you’ll get 500 free miles, worth roughly £40, when you make your first purchase. Related Articles: Loyalty Scheme Points Grabbing, Credit Card Freebies

Phoning customer services? A database is growing on how to speedily nip through it It's very aggravating; you call customer services and spend ages pressing the options, plus if it's an 0870 number you're dialling the bill could be rapidly increasing too (see SayNoTo0870 article for more ways to beat that). The old trick is repeatedly press the # key, yet a US site which runs a database of speedy options to dodge the menus is doing it here too. Forum Link:  Speed Dial

Great 'Work in a bank? What should we know?' Hunt Result
Last week I asked bank staff to dish the dirt about banking. The response was interesting, and the thread is well worth a read if you want an insight into bank marketing. Discussions include Lloyds TSB insider tips, HSBC hints, and Beware 'customer service review' calls.

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MONEY MORAL DILEMMA: Should Victor use his local pharmacist?
Victor's a pensioner, who often needs over the counter medication.  His local pharmacist is much more expensive than the supermarket he uses that's a few miles away. Yet there's been an article in the local paper saying it may close down due to lack of customers. Victor tends to go to the pharmacist and get advice when he's not well, and doesn't like the idea of it closing.  However, it's pretty likely other locals with a bit more cash will start spending there to keep it open.  Should Victor keep shopping at the supermarket or shift his business? Enter the Money Moral Maze: Should Victor use his local pharmacist? Previous MMDs: Should Frodo give Sam the money? and Should Jack claim cashback at his company's expense?

Great 'Ways to keep cool' Hunt
As we've already had a taste of summer, I thought it worth tapping MoneySavers' knowledge for ways to keep cool if and when it gets hot this year.  If you leave it until the sun is sweltering, prices shoot up.  So what can you do now to keep the house cool for less? Add your ideas/read others Past Great Hunts: What to buy on a day trip to France, Free info and Cheap ways to make your house safer.