Archive: MoneySavingExpert's Money Tips Email
£20 DAB radio; Radiohead album for pennies,
MOT repairs; Free IVA Guide,
And much, much more MoneySaving...
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Save up to £315,000 in top-rate perfect safety! New Article. The Chancellor's announced new rules; so now if your savings provider goes bust you'll get all of the first £35,000 back. Currently nine institutions have clean accounts paying a whacking 6.2% or more, instant access. So if you're lucky enough to have £315,000, you could put £35,000 in each to keep it perfectly safe. Full details in the New Article: Are my Savings Safe? Related Article: Top Savings Accounts WARNING. Having two accounts isn't always safe! The safety net applies per financial institution, not per account. This is where it gets complex; what defines an institution depends on each bank’s licence. E.g. sister banks Halifax and Bank of Scotland count as one institution; meaning just one lot of protection. Yet sister banks RBS and Natwest are separate. Check your protection: The Are my savings safe? article includes full details of each provider's relationships. If the site's saved you money, pls spread the word to friends and family and suggest they get this free e-mail via moneysavingexpert.com/tips |
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Give yourself a 25% pay rise in a day. Completely overhaul your finances.
For years I’ve said “sort out your finances & get the best of every product and you’ll save the equivalent of a 25% pay rise” often adding up to £2,500 - £5,000 a year! Now, to help, I’ve drafted a step-by-step guide; which includes how to examine your finances, then cut the cost of debts, household & personal bills, and ensure you’re not missing out on extra cash. Give it a try! New Guide: Money Makeover Related Articles: Budget Planner, Demotivator, Financial Advice
DAB (digital) Radios under £20. They've just broken this price barrier. Turn on, don't tune in
IVA ads promise "Debts written off. Interest frozen". Now for the truth... Free IVA Guide
Nasty IVA ads on TV promise an easy ‘government loophole’ as a solution for desperate people with debt problems. Actually IVAs are a cut down form of bankruptcy, only suitable for specific people. Yet IVA companies can make £5,000 plus each time they flog one, so they reel out reams of propaganda. To fight back, I’ve launched this new PDF guide; if you’re considering an IVA, it’ll take you through whether an IVA is right for you, how it works, and what the alternatives are. New PDF Guide: IVAs: Are they worth it? Related Article: Debt Problems Other Guides: Remortgaging, Mortgages, Child Trust Funds, Parents’ Student Finance Guide Pls tell anyone thinking of an IVA to read it!
Get paid £5 to check your credit files. Just sign up then cancel. Credit Trick
Slash over £1,000 off the cost of MOT repairs. MOT cost cutting.
This response to my MOT Cost Cutting article says it all: “My usual garage said to make it pass its MOT, repairs would cost almost £1,000. Following the article, I took it to the council test centre instead and it passed without any work needed.” Full info in the Updated Article: MOT Cost Cutting. Related Articles: Cheap Car Insurance, Breakdown Cover, New Car MoneySaving
Petrol and diesel taxes rose on 1 Oct by 2.35p/litre. Read Petrol Cost Cutting
STOP YOUR FRIENDS WASTING CASH! PLS SUGGEST THEY GET THIS EMAIL
Get the new Radiohead album for as little as you want. Name your price!
New Free Video Guide! Got/had a loan in the past ten years? Reclaim £1,000s on PPI
If you’ve had a loan, credit or store card in the last ten years, you may be able to reclaim £1,000s on the insurance policy that came with it. There’s been massive systematic mis-selling of these policies and it's time we fought back. Seven weeks ago I launched a reclaiming guide and already 50,000 template letters have been downloaded; yet as it's a complex subject I’ve now added a easy-to-understand video guide. Full Guide and Video: PPI Reclaiming Related Reclaim Articles: Mortgage Fees, Bank Charges, Council Tax, Endowment Mortgages
Successfully reclaimed PPI & want to help others? Appear on TV or in newspapers to spread the word.
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The Don't Forgets |
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CHEAP FLIGHTS SALES ALERT Airline: Ryanair. Price: £13 e/w. Destinations: 30 European Cities. Ends: 4 Oct.
My top pick budget airline sale this week is Ryanair’s sub-£13 inc. taxes & charges each way to about 30 European destinations from a range of UK airports. You must book it before Thur midnight for flights between 13 Oct & 12 March. Flights must be on Mon -Thur & Sats. To quickly find the sales flights: Ask the Budget Airline FlightChecker to find all flights under £13. Non-Budget Airline Tools: These are listed in the Cheap Flights article Related Travel MoneySaving: Cheap Hotels, Spending Abroad, Cheap Currency, Travel Insurance, Roaming
Fly your skis for free. Book Easyjet or Ryanair flights before Friday and there's no baggage charge for skis. Use the Flightchecker to find the cheapest flights.
Mobile Roaming: Now it's cheaper in the EU, but you can save more. Updated article
In August the EU capped roaming charges at 38p/min to make calls and 19p/min to receive them. At the time, this was only be available if you called your provider and asked. Now everyone will be automatically transferred to the cheaper prices unless you've opted for a paid for add on package. 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
Virgin Media customer? 1p film blockbusters. See Rocky Balboa, The Illusionist & more for a penny.
Did you apply for the Morgan Stanley Cashback Card?
If so, the card, which is no longer available, offered 3% cashback for the first three months. Sadly a lot of people report their cashback hasn't been fully paid, so check your statement. If yours hasn't write to the company and it should be sorted out. Discuss Morgan Stanley Cashback Related Article: Best Cashback Cards
Record phone complaints for pennies & get 1hr of free landline calls. 50 Easycall Subscriptions blagged for MoneySavers. Tapped for a good deal
MONEY MORAL DILEMMA. Should Jennifer do the deeds with Brad?
Jennifer has owned her own house for 2 years, having worked hard to save the money for a deposit and pay the mortgage. Now Brad, her boyfriend, is moving in. He's never been good with money, but says that as he'll now be contributing to the mortgage he wants to be added to the deeds. Jennifer's unsure; she wants to keep her investment safe in case the relationship doesn't last, but doesn't want to sour things with Brad. Enter the Money Moral Maze: Should Jennifer do the deeds with Brad? Previous MMDs: Should Jordan pay Peter to go away? and Should Ben go to Bill's wedding?
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Quick Forum Tips
Warning! Bargains listed here tend to sell out quickly
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Great 'Teaching Resources' Hunt
If your children come home asking for help with their schoolwork, or you want to try and help with their learning, often there's little or no help available for parents, many of whom went to school a long time ago! So I thought I'd tap MoneySavers' wealth of knowledge to gather a list of online and offline resources to help you educate your kids. Add your ideas/read other peoples': Great 'Teaching Resources' Hunt Past Great Hunts: Free/Cheap Family Games, Online Courses and Free Online Books
Board of the week: MoneySaving in Marriages, Relationships and Families
Teeming with day-to-day experiences and dilemmas, the MoneySaving in Marriages, Relationships and Families board contains priceless information and advice. Discussions include Splitting the bill, Pocket money and Private education
Great 'Save Money & Keep It Green ' Hunt Result
Last week I asked MoneySavers to impart their top tips for saving cash and being more environmentally friendly at the same time. Discussions included 39p energy saving light bulbs, Turn off the heating and use a hot water bottle and Forage!
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Learn MS Excel Book, Online Language Courses, 6-month Top Anti-Virus Trial |
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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.
- LK Today, ITV1 Wednesday between 8.45-9.15 am. My regular slot, in which I'll be discussing Cashback Cards
- The Jeremy Vine Show, BBC Radio 2 Friday between 1-2pm. Discussing PPI Reclaiming
- Moneybox Live, BBC Radio 4 Monday 8 Oct between 3-4pm. On debts & credit cards
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: "Love compatibility advert should be banned"
"When borrowing £1 costs £600" and "No more Yellow Pages/Phone Books please". Read m'blogs (or RSS users access)
Haggling: how low do you go? This week's poll. Vote and Haggling discussion.
Are you a MoneySaver in the closet? Unlikely. Last Week’s Vote. 40% of those that voted said they were proud to be MoneySavers, boasting to all and sundry. Yet it seems pure money talk is still out of vogue; 30% were keen to let their peers know about bargains but not finances, compared to just 2% who'd rather talk about finances. See Are you in the closet? poll results.
Archna's Free Game of the Week! Crimson Room - Can you escape?
Would you hand back a lost wallet? That’s it for this week, but thought you might like to see this. It was an interesting experiment done in the States to see who’d hand back a lost wallet… the wallet test
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: talktalk.co.uk, capitalone.co.uk, alliance-leicester.co.uk. Read more about this in how this site is financed.
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