|
Stop telling students not to get into debt! Hiya. It's time our society grew up regarding student debt. For all but the kids of the super rich, taking out a Student Loan is obligatory. The “don’t borrow” message risks students thinking, “I’m in debt anyway so I’ll just borrow more!” and then using costly commercial debt instead that can lead to debt crisis.
More important messages are “don’t borrow more than you need”, “budget” and “understand the difference between 'good' & 'bad' debts”. The financial choices students make now can last for years. For more read the Parents Guide or Students Guide to Student Finance & Borrowing & watch my quick rant.
It’s never too late to get money savvy. The first rule is to understand that a company's job is to make money. They’re not bad for doing so, it’s their job. They spend billions on advertising, marketing and sales training; the problem is we don’t get buyers training. So pls spread the word & suggest to friends and family they get this e-mail by going to moneysavingexpert.com/tips |
|
MARTIN'S MONEY MUTTERINGS
A video/audio commentary on this e-mail |
|
THIS WEEK INCLUDES: Watch Mr Demotivator in action!
Plus, student loan moan and the cheapest way to roam! |
|
|
|
|
|
|
| |
|
|
|
THE DEMOTIVATOR! The new tool & article to stop you spending what you can’t afford
Do you spend more than you earn? If so it spells financial danger. Yet ‘The Demotivator’ is here to help. If you spend on cappuccino, cigarettes, celeb mags or more, it's a fun tool to tell you the truth about the impact of that spending. Plus there’s a new article on how to help control those spending urges. New Tool: The Demotivator New Article: Stop Spending: How To Cut Back Related Articles: The Budget Planner, Supermarket Shopping Secrets, Debt Problems
Freeview box for a tenner! Online and in store at Tesco Freeview for £10
New cheapest energy tariff. Find the cheapest gas & elec plus get cashback on top
nPower has launched a new tariff, Sign 8 online, which, for those prepared to have web billing, is likely to be the cheapest. To see if it is, simply do a comparison. My top pick comparison service is Energyhelpline*, which pays £15 cashback if it can switch you, or better still, for more options, read the Full Article: Cheapest Gas & Elec Related Articles: Cheapest Home Phones, Cheapest Boiler Cover, Cut The Cost Of Water Bills
90 days free RAC cover. Grab it. You needn't start it immediately. 90 days RAC cover
Heading to uni in September? Grab the biggest 0% overdraft. Top Student Accounts
Whether you’re a new student, or already in higher education, ensuring your student account is the best possible will add a huge whack to your pocket. This is a full comparison of all this year's accounts; including how to get a £2,750 interest free overdraft. New Article: Top Student Bank Accounts 2007-8 Related Articles: Best Graduate Accounts, Top Bank Accounts
STOP YOUR FRIENDS WASTING CASH! PLS SUGGEST THEY GET THIS EMAIL
New EU rule means cheaper Mobile Roaming. Slash mobile costs when abroad
The EU has slammed down the cost of calling when abroad by capping charges at 38p/min to make calls and 19p/min to receive them. Sadly for now, these tariffs may only be available if you call your provider and ask for them; if you don't ask you won't get. Yet there are other ways to cut the cost; whether it's using hidden packages or international Sim cards. Full info in the Updated Article: Cheapest Mobile Roaming Related Articles: Mobile Phone Cost Cutting, Cheapest Way To Spend Abroad, Free International Calls From Mobiles
Car Insurance at renewal? Ten minutes to get the Cheapest Car Insurance (also see Home Insurance)
PPI Reclaiming Successes! Got/had a loan or credit card? You get £1,000s back
Anyone who’s got or had a personal loan, secured loan, credit card or store card may be able to reclaim £1,000s. Two weeks ago, I published my guide to reclaiming Payment Protection Insurance on these products, as their misselling is rife. Now, more quickly than expected, the first success reports using the template letters are in. If you’ve had a loan/credit card use the Full Guide: PPI Reclaiming Report Successes/Failures: PPI Reclaims Related Articles: Cheapest Loans, Mortgage Fee Reclaiming, Bank Charges, Cheapest Loan Insurance, Cut Existing Loan Costs
Reminder. Sign the No. 10 Bank Charges Petition. Ask for Gordon's support, Bank Charges
|
Ensure you don't miss out, get these tips e-mailed each week
[[NEW_IN_ARTICLE_TIP_BOX]]
|
|
|
|
Great 'Back To School' Hunt
It's that time of year again; you've survived the school holidays unscathed but now you need to send the kids back to school with new books, uniforms and stationery. So I thought I'd tap MoneySavers' knowledge to find where to get the cheapest bits and bobs needed for school. Add your ideas/read other people's: Great Back To School Hunt Past Great Hunts: Free/cheap family games, Letters that work, Cheap legal download music
MONEY MORAL DILEMMA. Should Chanelle avoid using Ziggy?
Chanelle decides a few rooms in her house need to be decorated and, as she does not have the time to do it herself, calls a few local tradesmen to find the best quote. The third decorator, Ziggy, provides a price almost 50% less than his competitors. When Chanelle queries this, he comments that by not declaring his earnings to the Inland Revenue he can pass the savings onto his customers. Should she use him or should she report him? Enter the Money Moral Maze: Should Chanelle avoid using Ziggy? Previous MMDs: Should Darth take money from his kids' accounts? and Grant's been overpaid, should he keep it?
Discount Voucher Finder Trial: We’re testing a new tool in the forums to list and sort all types of discount vouchers. I’d love you to try it and feed back. It’s only up for a couple of weeks then we’ll take it down to do tweaks and improvements. Check out the Discount Voucher Finder & Feedback
Free personal/small biz tax help - self assessment deadline just one month away
Your self-assessment form needs to be on the Revenue's doormat by 30 Sept, or you may be lumbered with calculating your own tax. Experienced Tax Accountant Tony Tesciuba (aka my Uncle Tony!) has again agreed to answer small biz/personal tax queries in the Chat Forum over the next few days. Ask a tax question: Tax Tony Related Article: Taxing Times 5
'Making a civil claim', Which? essential guide giveaway. Did you blag one?
Stoozing over £100,000 helped me pay off my mortgage. Last week's email revealed how to make £1,000s by being smart with credit cards. Read one MoneySaver's Mortgage Free Story Related Articles: Stoozing, Should I Pay Off My Mortgage Or Save?
|
|
Quick Forum Tips
Warning! Bargains listed here tend to sell out quickly
|
|
|
|
Getting a new car? Buy it cheaper and finance it free. Full Guide
If you’re intending to purchase a shiny new motor in September, my existing five-step plan for cutting the cost of buying a new car is essential reading. It includes choosing whether you want new, pre-reg or nearly new, how to hunt for it on the web, take that price and haggle down the dealer; and finally finance it interest free. Read Article: New Car Buying Cost Cutting Plan Related Articles: Car Insurance Cost Cutting, Petrol Cost Cutting
Great 'Cheapest Places To Holiday In The UK' Hunt Result
Last week I asked MoneySavers to share their top spots for Holidaying in the UK. There were some hot tips including Rent a cottage, Caravan in Scotland, and Couch surf!
FLIGHTCHECKER SALES WATCH Almeria, Budapest & Stockholm £10 incl. all in
Budget airline Ryanair is constantly selling flights from 19 British airports to a raft of European destinations for just £10 each way; and importantly this price includes all taxes and charges yet there are baggage fees. Read the find the £10 flights note. Related Articles: Cheap Flight Finding, Cheapest Travel Insurance, How To Spend Overseas
Board of the week: Student MoneySaving
Juggling studies while keeping financially afloat isn't easy but the Student MoneySaving board is choca block with information and innovative ideas on how to make the pounds stretch further. Discussions include Cheap passport photos, What do I need for uni?, Student living expenses and check out the Student MoneySaving Club
|
|
|
MoneySavingExpert on the box/wireless
If you like to watch as well as read about MoneySaving, I’ll be appearing on the following programmes over the next week or so.
- Vine, Radio 2, Friday, between 1-1.40 pm. This week in my regular slot I’ll be discussing getting something for nothing.
- MoneyBox, Radio 4, Saturday, midday. I'll be talking about Bank Charges
Keep updated on appearances: Changes and updates go in the Updated appearances list
Feedback on appearances: Discuss or add your thoughts on MoneySaving in the Media
This week's Martin's Blog: Thieving little monkeys
"Thieving little monkeys" and "The credit cycle". Read m'blogs (or RSS users access)
Would you keep the cash? This week's poll. Vote and Keep The Cash Or No Discussion
Would £35 million make you happy? Not really! Last week's vote: Nearly half of you think a big windfall would make life easier but not stop life problems, while only 6% of you would live the high life indefinitely. See Lottery Win poll results
Free Game of the Week. Blockorz
£1,750 Argos vouchers (ut hmm) on eBay for £1. That’s it for this week, but before I go – I do love this eBay post. Well done to the seller. Couldn’t be a better way to remind people to take care. Less than August
I hope you save some money
Martin
Explanation of * Links
How this site is financed. 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, 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: halifax.co.uk, hsbc.co.uk, alliance-leicester.co.uk, icicibank.co.uk, flybmi.com, moneysupermarket.com, confused.com, comparethemarket.com, tescofinance.com, barclays.co.uk, norwichunion.co.uk, barclaycard.co.uk, ukpower.co.ukhalifax.co.uk, alliance-leicester.co.uk, natwest.com, rbs.co.uk, icicibank.co.uk, energyhelpline.com. Read more about this in how this site is financed. |
Latest weekly email
