Archive: MoneySavingExpert's Money Tips Email

NEW GUIDE! Reclaim Credit Card Charges. Template letters & guide to get £100s back
Credit card companies' late payment fees and other fines are now commonly believed to be unlawful, so this new guide shows you how to get six years' worth back. While bank charges reclaiming is mostly on hold, contrary to a lot of misinformation this doesn’t impact credit card reclaiming. To help end this confusion this is a focused new guide; all you really need to is write a letter or two and you can get £100s or even £1,000s back. New Guide: Credit Card Charges Reclaiming Related Links: Bank Charges Reclaiming, Bank Charges Petition, PPI Reclaiming, All Reclaiming

Free Aero bubbles chocolate (worth 45p) Lovely bubbly Just click & print voucher

URGENT! Free £50 2GB Sony MP3 Walkman or Playstation 3 Game. Credit Card Freebies
A short-term new cardholder promotion for the Sonycard* says spend £250 on it within 90 days and get 7,000 ‘pulsebeats’ reward points (normally it's 3,000 points at sign-up). To grab these get the card, simply do £250 of normal spending on it and ensure you pay it off in full each month to avoid interest; then you could just cancel the card and forget it. The points are worth about £30 to £50; currently enough to get you a Playstation 3 game, 2GB Walkman mp3 player or 4 CDs/DVDs. Go quick though, this promotion’s likely to be limited. Full details, pros & cons in the Updated Article: Credit Card Freebies Related Articles: Cashback Cards, Freebies Freebies Freebies, Best Balance Transfer

Ugg Boots £80 all in (usually £140). When is an Ugg not an Ugg? Cheap Ugg Boots

Cheap Holiday Car Hire: Slash £100s in hire and insurance costs. New Article
Holiday car hire always looks cheap, but massive added extras, especially insurance, mean you pay a fortune. This new article shows you how to speedily find the cheapest hire then get standalone insurance to sever the cost. New Article: Cheap Holiday Car Hire Related Articles: Package Holiday Late Deals, Cheap Flights, Cheap Train Tickets

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

37" LCD HD TV £375 inc delivery. Mammoth telly: the cheapest I've seen. Can you beat it?

Loan rates rising by up to 4%! If you need a loan, act now. Cheapest is 6.3%
Remember with personal loans the rate is fixed, so if it’s cheap when you get it, it stays cheap. Shockingly, over the last ten days some lenders have increased rates by up to 4%, blaming the well-publicised credit crunch. Yet luckily most of the cheapest lenders haven’t yet increased theirs, so if you need to borrow, go quick.  Best Buy Uninsured Loans: Borrow £5,000+ at 6.3% YPL* & Moneyback* (between 7k & £15k)blocked; Borrow £4k-£5k at 6.8% Barclaycard; Borrow £3k-4k: 7.8% Moneyback* Borrow £1-3k: 7.9% Abbey* & Northern Rock*.  More alternatives, full pros & cons in the Updated Article: Cheapest Loans Related Articles: Cut Existing Loan Costs, Loan Insurance: Ditch & Switch, Your Credit Rating

Want to come to my latest ITV1 reclaim school? It's on loan credit card & mortgage insurance reclaiming

750,000 women in their 60s may be entitled to a secret pension
A parliamentary question by a Lib Dem MP has shown that many women in their 60s are unnecessarily missing out on the state pension. To get any pension you need to have paid national insurance for 10 years (more for men); around 750,000 women are believed to be just under this threshold. By offering to pay a few £100s you can start getting the basic pension and the back-dated payout from your 60th birthday, which is likely to be £1,000s. I say offer because you won’t actually need to layout the cash, as it will just be taken out of your pension back pay. Forum Note: State pension reclaim Related Article: 5 Min Benefit Check Up

Premium Bonds Update. The new October odds are now in the Premium Bond Calculator

New Cheapest Gas & Elec Provider for Dual Fuel plus get £30 cashback
British Gas has launched a new tariff for those prepared to have dual fuel and be billed online, which for many people will be the cheapest.  Click 4 is available to both new and existing BG customers.  It isn’t automatically cheapest for everyone though; but if you haven’t switched recently it's worth doing a comparison to check. My top pick comparison service, Energyhelpline*, pays £15 cashback if it can switch you or alternatively MoneySupermarket* pays £30 for a dual fuel switch. Full details in the Article: Cheapest Gas & Elec Related Articles: Cut Water Bills, Cheapest Home Phones

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Great 'Most Economical Printers' Hunt
A £20 printer may be great, but if the cartridges run out after you print two pages and cost £79 a pop; it’s really not that good. So I want to tap MoneySavers' feedback on the most economical printers around including both purchase, cartridges and other costs. Add your ideas/read other peoples': Great Most Economical Printers Hunt Past Great Hunts: Work In A Bank? What Should We Know?, Recycle It For Cash, Cosmetics Cost Cutting

Only offer 10% of the asking price when haggling abroad… see m’blog for more

WARNING. Don’t let the postal strike hit your credit score! Ensure you pay credit cards on time even if you haven't got your statement. Or you could be fined & hurt your credit rating

Grab an extra discount on flights & hotels in the form of a free roaming sim card
Book a flight or hotel (not car hire) with Expedia before November and get a free roaming sim card worth £30. But make sure you first check that Expedia* is the cheapest. Use the Cheap Flights and Cheap Hotels articles for full cost cutting systems. Forum Note: Roam free Related Article: Cheapest Calls When Abroad

MONEY MORAL DILEMMA. Is it time for Rhys to leave Sienna?
Rhys has just finished studying and is job hunting. For his work, London is the place to be and he’s been staying at the flat of his only friend there, Sienna.  She originally said he could stay a fortnight and he’s been there a month.  He’s unemployed, got no cash and can’t contribute and Sienna’s getting a bit tetchy.  The friendship’s on the line, but so is his future.  Should he push it and keep staying or is it time to give up the job hunt? Enter the Money Moral Maze: Is it time for Rhys to leave Sienna? Previous MMDs: Should Darth take money from his kids' accounts? and Grant's been overpaid, should he keep it?

Did you nab an Easycall subscription? Last week I blagged 50 free Easycall subscriptions Did you get one?

CHEAP FLIGHTS SALES ALERT   Airline: Easyjet. Price: £20 e/w.  Ends: When it sells out
My top pick budget airline sale this week is EasyJet’s sub-£20 inc. taxes & charges to about 25 European destinations from a range of UK airports.  Tickets are at this price until they’re sold out but are only available on selected flights.  How to quickly find the sales flights:  Don’t go direct, instead use the Budget Airline FlightChecker and ask it to find all flights under £20.  Non-Budget Airline Tools:  These are listed in the Cheap Flights article. Related Travel MoneySaving: Cheap Hotels, Spending Abroad, Cheap Currency, Travel Insurance, Roaming

Board of the week: In My Home
Whether it's a washing machine disaster or tips on how to decorate on the cheap the In My Home board is bursting to the brim with info on everything DIY and home related. Current discussions include Dishwasher Newbie, Where to buy kitchen cupboard handles and Bath resurfacing

Great 'Teaching Resources' Hunt Result
Last week I tapped MoneySavers' wealth of knowledge on tips & resources for helping your kids learn at home. There were lots of great suggestions including Home Educating, History Resources and English & Maths Games, Activities and Resources

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.

Keep updated on appearances: Changes and updates go in the Updated appearances list

Watch Back from last week: If you missed Martin in the media this week catch him again on Tonight With Trevor, Radio 2 & Radio 4 Watch it back

Feedback on appearances: Discuss or add your thoughts on MoneySaving in the Media

This week's Martin's Blog: I scored 596 at Scrabble so why am I sad
"Schedules Change" and "Haggling: How low to go?". Read m'blogs (or RSS users access)

Are you APR aware? This week's poll. Vote and Are you APR aware? discussion

Archna's Free Game of the Week! Save Indiana from the Snakes! Crypt Raider

Which way to pray? That's it for this week, however a bit of a different one to finish. It seems the web is touching all parts of life; this one’s a nifty tool for Muslim MoneySavers who want to find the right direction to pray Qibla Locator

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: energyhelpline.com, sonycard.co.uk, northerrnrock.co.uk, yourpersonalloan.co.uk, abbey.com, moneybackbank.co.uk, expedia.com, moneysupermarket.com. Read more about this in how this site is financed.