Archive: MoneySavingExpert's Money Tips Email
Free £10 ClubCard deals; £60 Sat Nav,
£6 flights & half price home insurance ,
And much, much more MoneySaving...
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ITV1 Friday 26th 8pm. Tonight: Payback Time. I’m excited about my programme this Friday. PPI reclaiming could be even bigger than bank charges; anyone with a loan, credit/store card or mortgage should watch. There are 20 million of these policies out there in an industry with revenues of £5bn a year: three times as much as bank charges. In the programme I’ll be doing a reclaim school on how to check if you've been missold & get your cash back. It isn’t about compensation, but reclaiming unfairly taken cash. The site is at the centre of reclaiming, be it bank charges, credit card charges, council tax, mortgage exit fees or endowments. I think it's important not to confuse reclaiming with compensation. The aim is to get people money back that’s unfairly been taken from them; it's about correcting a wrong. Are you a successful reclaimer? Please report your successes in the links in the relevant article above. Most importantly, please spread the word about this site, by suggesting friends and family get this email too at moneysavingexpert.com/tips |
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Ensure you don't miss out, get these tips e-mailed each week
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New top savings account. 6.41% instant-access & very strong guarantee.
ICICI’s HiSave* is the new instant access savings leader, paying 6.41% AER with no catches. While its new rate is only 0.01% above the previous leader (no coincidence, I’m sure), its rate guarantee is now much better, promising to beat the Bank of England base rate (currently 5.75%) by at least 0.3% until Dec 2011. Thus giving you certainty it’ll be a very good,
if not quite table-topping account, for a long time. Savings in ICICI, like all UK registered accounts, have official Govt protection on the first £35,000 in there. Full pros, cons & alternatives in the Updated Article:
Top Savings Accounts
Related Articles: Are My Savings Safe?, Where To Start Saving
Free £10 Tesco Clubcard Deals loophole. Fill in a form Related Loophole: £2.50 profit from £1.50 spend
The 12 quick saves of Christmas. Twelve urgent things to do to prepare your pocket.
While it seems an age away, there are a number of things to do asap to ensure you have a cheap Christmas (or Diwali, Chanukah, Eid), so I’ve put ‘em all together in one place. This includes getting the right credit cards, getting Santa to write back, how to spread the cost, getting supermarket bonuses and more. New article: The 12 Saves Of Christmas Related articles:
Christmas Spending Boost, Festive Fivers, Budget Planner
Cheapest Sat Nav £60. Can you beat it? Track one down!
50% off Tesco Home Insurance. Get a quote even if you're not at renewal!
Until 11 December Tesco* is repeating its 50% off offer on home insurance if you get it online or on the phone; most importantly the quote holds for 90 days; so even if you're not at renewal, grab a quote now and if it's cheapest buy later. It isn't automatically cheapest though, so before grabbing it, check its price against my usual plan to compare the market including using screenscraping websites
Moneysupermarket*, Confused* & Compare the Market* which whizz details through scores of insurers and brokers to find the cheapest. Full details in the Article: Cheapest Home Insurance Related
Articles: Cheapest Car Insurance, Cheapest Travel Insurance, Boiler Cover
Family Railcard £10 Ends 31 Oct, gives a year's discount Related Article: Cheap Train Tickets
STOP YOUR FRIENDS WASTING CASH! PLS SUGGEST THEY GET THIS EMAIL
Are you paying a fee for your bank account? STOP IT! You're wasting £100+ a year
If you have a ‘packaged account’ by Barclays, NatWest, or others, watch out; for most people these are an absolute pile of pants. My guess is they called you or mailed you to say, “you’ll get much better facilities if you upgrade your account”. Think about whether you’ve ever used those facilities. Then consider how much you pay; e.g. £9 a month doesn’t sound much, but it’s over £100 a year! Not only that but you can get better rates elsewhere without paying a fee. Ditch them! Updated Article:
Best Bank Accounts Related Articles: Travel Insurance, Breakdown Cover, Orange Wednesday
A free energy-saving lightbulb when you make a pledge. Bright idea
Slash your rent by 80%. Become a property guardian!
In return for babysitting empty properties to deter squatters, property firm Camelot Property charges its "guardians" just one-fifth of local rents. This works out at about £200 a month in London, elsewhere £150. Properties include farmhouses and castles, so there's a big chance you could end up living it up in a sprawling country pile for just £50 a week. I'd love your feedback. Forum Note: How to become a property guardian
Home Energy Meters now under £50. They claim to cut your energy bills... are they worth it?
Still on! Sub £6 all-in flights to Europe. Lots of availability. Ends Midnight Thurs
Ryanair is still offering flights to a raft of European destinations from a range of British airports for under £6 each way including all taxes and charges. This promotion has been extended from last week, but still has massive availability. 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 6 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
Ensure you don't miss out, get these tips e-mailed each week
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The Don't Forgets
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Great 'Store Returns Policy' Hunt. Who, what, where and when?
Everyone knows that if you buy things at Marks & Spencer you can return it no quibbles. However many think this is a legal right; it isn't, unless there's a problem with the goods bought in store you've no right of return (see Know Your Consumer Rights
article). So I wanted to find out your experience of each major store to compile the info... any help, especially from store staff who know the policies would be great. Add yours/read others: The Great ‘Store Returns Policy’ Hunt.
Past Great Hunts: Blagging Tips & Hints, Student Discounts, Tipping Overseas
Sad, beautiful, moving, worthwhile. See why the MoneySaving community should be proud
MONEY MORAL DILEMMA. What should Baby do about Johnny's stalk?
Baby goes shopping with her new boyfriend, Johnny. While Baby grabs the milk, she puts Johnny in the veg corner to get the Broccoli; as she walks back she’s surprised to see that he is removing the florets and leaving the stalk behind. He says he doesn’t see why they should pay for what they don’t eat. Enter the Money Moral Maze:
Should Johnny keep his stalk? Previous MMDs: Should Trinny share her bingo winnings with Susannah? and Is it time for Rhys to leave Sienna?
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Quick Forum Tips
Warning! Bargains listed here tend to sell out quickly
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Board of the week: Competitions Time. Lists and answers for free to enter contests
Know where to look and there are hundreds of competitions out there; serious compers try to win as many prizes as possible, furnishing their houses and travelling the world with their winnings. The Competitions Board is a huge directory of contests costing nothing to enter, where MoneySavers even post the answers to save you the trouble. Current prizes up for grabs include
£100 Waitrose spending money, a Mediterranean Cruise and an Open-top Mini
Great 'Blagging hints & tips' Hunt Result
Last week I asked for your top tips on blagging something for nothing. There were some great suggestions including Lush arrangement, It pays to be nice and Just ask
Ensure you don't miss out, get these tips e-mailed each week
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Horlicks Sample, 180 Mp3 Downloads, Birthday/Christmas Cards |
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Got Suggestions For This E-mail? I'd love to hear 'em.
Spotted something great in the Forum, got an idea for a Great Hunt or Poll or Money Moral Dilemma? If you’ve a suggestion for something to go in this e-mail, please let me know. Forum Note: MoneySaving E-mail Suggestions
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 in my regular slot, I'll be talking about the best ways to Boost Your Income!
- Tonight: Payback Time, ITV Friday 8pm. I'll be presenting a full 30 mins on reclaiming loan, credit/store card & mortgage insurance.
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: 'Dinner in the dark with two beautiful women'
'The most stupid rebranding I've ever seen... Well done Icstis' and 'A Scooter, a MoneySaving Jacket and a Bank Manager in a Side Car". Read m'blogs (or RSS users access)
This week's poll. Are you credit card aware? Vote and Are you credit card aware? discussion.
Are you a mutual lover? Last Week’s Vote. Whilst 40% of you would stick with mutuals compared to just 6% that prefer banks, the majority (54%) don't care, choosing whichever offers the keenest rates at the time. See the Are you a mutual lover? poll results.
Archna's Free Game of the Week! How high can you keep your balls? Peeball (helping to raise awareness for prostate cancer)
The time of my wife! That's it for this week, however if you're a Dirty Dancing (!) fan, you might like to see one couple's wedding tribute. The time of my wife
I hope you save some money,
Martin.
PS: Do remember that the clocks go back an hour this Sunday!
Explanation of * Links
FSA NOTE: Referring people to insurers or insurance intermediaries can in some circumstances require FSA authorisation. For this reason, Martin Lewis of Shepherd's Studios, Rockley Road, Shepherd's Bush, London W14 0DA is authorised and regulated by the Financial Services Authority.
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: icicibank.com, tesco.com, moneysupermarket.com, confused.com, comparethemarket.com, talktalk.co.uk, Barclaycard.co.uk. Read more about this in how this site is financed.
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