Archive: MoneySavingExpert's Money Tips Email
Major Tesco ClubCard Points Loophole,
New Money ‘Making’ Guide, £5 Flights to Europe, Pizza Express 2for1, And much, much more MoneySaving...
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Ensure you don't miss out, get these tips e-mailed each week
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Boost Your
Income! The first Money MAKING Expert guide: gain £1,000s. New Section
Sometimes you just need some extra cash,
and this is a brand new guide exploring all the options, from making money on
the web, to de-cluttering,
extra home work, cash loopholes and lots more. On top
of that it’s supported by a new Forum Board where MoneySavers can share ideas,
tips, and experiences of getting a financial bit on the side. New
Guide: Boost Your Income New Forum Section: Up Your
Income Also save yourself a fortune: Money Makeover
Major Tesco Loophole: Make £2.50 profit for each £1.50 you spend (on baby powder!) Buy and gain
Sub £6 all-in flights to Europe. Lots of availability. Ryanair Sale. Ends Midnight Thur
Budget airline Ryanair is offering flights to a raft of European destinations from a range of British airports for under £6 each way including all taxes and charges. Most importantly, unlike its normal sales, this one seems to have massive availability (I found literally hundreds). 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 £6 for journeys anytime between 5 Nov and 12 Mar (though Fridays & Sundays and school holidays are excluded). Other Cheap Flights: Simply read the
Cheap Flights article. Related Travel MoneySaving:
Cheap Hotels,
Spending Abroad, Cheap Currency,
Travel Insurance
Beauty freebies galore: Mascara, haircuts, manicures & more Bag a beauty bonanza
New
Top Bank Accounts. Get a 0% overdraft or 8% interest in-credit. Save £100s.
There’ve
been some crucial changes in the market’s top bank accounts. Alliance and
Leicester* is still offering an unbeatable 0% overdraft, but after a year,
rather than charging interest, it's now charging 50p a day if you’re overdrawn; better for
a few, worse for most. For those always in credit, Abbey offers 8% interest on up
to £2,500, yet Coventry Building Society pays 6.35% regardless of how much you have in.
With so many changes, this is a fully rewritten, re-researched and restructured
guide allowing you to ditch, switch and save. New Article: Bank
Accounts Related Articles: Bank Charges
Reclaiming, Budgeting, Student
Accounts
Pizza Express 2for1 main courses Buy a voucher for £2.50 of Nectar points. Get a pizza the action
STOP
YOUR FRIENDS WASTING CASH! PLS SUGGEST THEY
GET THIS EMAIL
Got a consolidation loan? Warning! Your rate will rise and could cost a fortune.
I’ve been campaigning about secured/consolidation loans for a long time and sadly these nasty products are rapidly getting worse. Unlike normal Personal
Loans where the interest rate’s fixed; here lenders can increase your rate whenever they want, and that's happening now. Worse still if you can’t repay them, you can lose your home. Here's three things to consider. 1. Can you shift it to cheaper borrowing? Shift the debt onto your mortgage or cheaper Secured Loan (though do watch early repayment penalties). 2. Are you paying loan insurance? If you are, cancelling & switching insurance could save a fortune, one MoneySaver saved £20k
over her loan's life by doing this, after that try to reclaim loan insurance. 3. Minimize other expenditure: Use the
Budget Planner and give yourself a Money Makeover
Also read: Debt problems
McDonald's joining Wetherspoons in offering wireless internet Free Wireless
Reminder. Apply for cards for Xmas now. Get 4% cashback or 15 months 0%
Credit card applications can take up to six weeks, so if you need a card for Xmas spending, apply now! Capital One* pays 4% cashback for the first three months (ie £4 back per £100 spent),
meaning you can get this on all Xmas spend and Jan sales; just set up a direct debit to pay it off in full so there's no interest charge. Updated Article: Best Cashback Cards. Also, while I strongly urge you to avoid a nasty New Year debt hangover by borrowing for Christmas, if you do at the very least please ensure you do it as cheaply as
possible; full details in the Article: 0% Credit Cards for Spending Related Articles:
Best Balance Transfers, Cheapest Loans
Want to get in shape for Christmas? Remember the gym loophole to save £400 a year at Virgin, LA Fitness & Cannons
Click to help breast cancer at no cost to
you
The BreastCancerSite, one of the click
and give charity sites, is struggling to meet its click rate. For each
person who clicks each day, its advertisers
pay towards mammograms.
There's a note that it's short of clicks at the moment, so just use this link to
help. For more details on how
this and other similar sites work read the Related Article: The
Hungersite
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The
Don't Forgets |
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Parents:
never insure your kid's car in your name. Add yourself to theirs to save
though!
Scarily, research by Zurich Financial reveals one in 10
parents/grandparents are fronting their child's car insurance; in other words
putting themselves as main driver on their kids' cars. Not only could this
invalidate any claims, but your child could be
prosecuted for driving without insurance. A legal alternative is putting them as the main driver, but adding yourself
and/or another experienced driver onto the insurance even if you only
drive it rarely. While this doesn't always work, sometimes it lowers the cost
substantially. Full Guide: Cheapest
Car Insurance Related Articles: Home
Insurance, Breakdown
Cover, MOT Cost
Cutting, New Car
MoneySaving
Blue Peter Moment. Make your own £25 retro candy box Xmas gift for a few quid Sweet Saving
Great
'Blagging Tips and Hints' Hunt
With a bit of creative thinking, it's
possible to tap companies for anything and everything, from complimentary
concert tickets to cash for a holiday. So I want to find out MoneySavers'
most canny legal blagging strategies. Add your ideas/read other peoples': Great 'Blagging Tips and Hints' Hunt Past Great Hunts: Free Online
Courses, Student
Discounts and How Much To
Tip Overseas?
Are you a Facebook, Delicious, Yahoo or Google Bookmarks User? If you click the ‘add to favourites’ button at the top of
any article on the site, you’ll see you can now automatically add this to whichever type of favourites you use.
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Quick
Forum Tips
Warning! Bargains listed here tend to sell out
quickly
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MONEY MORAL
DILEMMA. Should Trinny share her bingo winnings with Susannah?
Trinny
and Susannah have a night out at the bingo. As Trinny’s short of cash, Susannah
treats her to some bingo cards. Trinny’s ecstatic when she wins the £1,500
jackpot; she’s really struggling to make ends meet and the windfall will help
pay off some of her debts. But she realizes that without Susannah’s generosity
she wouldn’t have bought the card in the first place. Should Trinny share her
bingo winnings with Susannah, and, if so, how much? Enter the Money Moral Maze: Should
Trinny share her bingo winnings with Susannah? Previous
MMDs: Should Chanelle avoid using Ziggy? and Should Fernando pay for Lewis' service?
Great
'Most Economical Printers' Hunt Result
Last week I asked MoneySavers for their feedback on the most economical
printers around, including both purchase, cartridges and other costs. There were
some excellent tips including the
true cost of printer ink, invest
in a laser and how
to do the maths
Board of the
week: Travel, Trips and Holidays
If you want to banish the winter blues
with a trip away or day out, the Travel,
Trips and Holidays Board is packed with an array of useful information which
could help cut the cost of your overall holiday bill. Discussions include what do
I need to take on a ski holiday?, I want
to treat my Nan and cheap
hotels in New York Related Articles: Cheap Flight
Finding, Cheap
Holiday Packages, Cheapest
Travel Insurance, Cheapest Travel Money
Ensure you don't miss out, get these tips e-mailed each week
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Jack
Daniels Goodies, New
Eagles Single, |
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Borrow £10 repaying £11 the next day is 1,283 trillion % interest. Only 1 in 20 of you knew
Last week’s poll asked “if someone lent you £10 and said give me £11 back tomorrow"’ what would the Annual Percentage Rate be? The 10% and 1,000% options were both selected by a third of voters. Yet only 5%
picked the correct option, which was ‘more than the stars in the sky’, as the answer’s 1,283,305,580,313,352% APR. This interest is 10% a day, which compounded over a year escalates massively. Always understand, borrow for a short time and a high APR is a small amount, yet borrow for a long time and a low APR is massive. Scarily, it's this
mathmatical confusion that allows consolidation lenders use to say “it only costs 10%” yet as you’re borrowing over 25 years costs a fortune. Poll Results and Discussion: Are you APR Aware?
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. This week on my regular slot, I'll be talking about credit card reclaiming
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: Are there any MoneySaving Sultanas out there?
"This is immigration, not a nightclub queue", "There’s something ugly about leaving a woman and baby at a bus stop" and "It's terrible moving up an age category". Read m'blogs (or RSS users
access)
Are you a mutual lover? This week's poll Vote and Are you a mutual lover? discussion
Archna's Free Game of the Week! How good is your aim? Burst the Balloons
The UK's Money Spending Expert. That's
it for this week, however if you feel like you've just too much cash in the bank
at the end of the month and need tips on how to get rid of some of
it, a new website could help. MoneySpendingExpert.com
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: alliance-leicester.co.uk, coventrybuildingsociety.co.uk, sonycard.co.uk, capitalone.co.uk, talktalk.co.uk, energyhelpline.com, barclaycard.co.uk. Read more about this in how this site is financed.
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