Archive: MoneySavingExpert's Money Tips Email

Teen Cash Class. Turn yourself & your kids into Money Saving Experts. Free PDF
This Summer for ITV I was challenged to teach twelve 15-year olds for a day and turn them into Money Saving Experts; when they went home they saved their parents over £5,000. This new print & keep guide is based on the lesson plans; and whether you’re a kid or a grown-up takes you through three core MoneySaving lessons. It’s also designed so teachers can use it as base for class-room lessons. Free PDF: Teen Cash Class Guide, and please feedback Other Guides: Money Makeover, Remortgaging, New Mortgages, Child Trust Funds, IVAs: Are They Worth It?

Free £10 for NatWest, RBS, HSBC, First Direct & Ulster Bank customers. Just sign up for Mobile Banking Related Article: Best Bank Account + Free £40

New Cheapest Broadband. Free or supercheap (max £10) now available
Broadband providers continue to battle for customers with prices at an all time low. Some Sky* and Orange users can get it for free; if you’ve got an o2* contract you can get a top 8Mbps unlimited download package for £7.50/month. Failing that Plusnet* offers speeds of up to 8Mbps with a 1GB download for only £9.99/month. For these and a range of new options read the Updated Article: Cheapest Broadband Related Article: Cheapest Home Phones

Urgent! £5 trains tickets sale on East Coast Line. Includes London, Edinburgh, Glasgow Related Article: Cheapest Train Fares

New top cashback card! Earn a massive 5% off everything you buy! Updated Article
There’s a new market leading cashback credit card, Amex Platinum* has increased its new customer offer to a huge 5% cashback (5p back per £1 spent) in the first three months (on up to £4,000 spending); after the intro period you get up to 1.5%. Importantly apply now and you’ll get the maximum cashback on all Christmas spending and January sales too. The golden rule with cashback cards though, as always, is set up a Direct Debit to pay it off in full each month so there's no interest. Amex requires a £20K min salary; for alternatives, full pros & cons read the Updated Article: Best Cashback Cards Related Article: Best Balance Transfers, Top 0% For Spending, Xmas MoneySaving

Sky TV £75 all-in plus free ipod/phone/DVD player. Special offer on no commitment Sky TV

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

It's back! Save £10 on £30 spend at eBuyer. With Google Checkout (new google customers only)

Festive Fiver Competition! £100 prize for the best sub-£5 Xmas pressie idea!
Do you have a clever, weird, romantic, thoughtful and practical present, for a kid or adult, costing below a fiver? Whether you make it, buy it or create it, I want to hear. The winner will get £100, but everyone gets the joy of sharing their ideas as mid-November I'll publish a categorised list; helping provide a cheaper and maybe more charitable, less consumerist, Christmas or Chanukah or Eid etc. This is a repeat of the contest I ran two years ago, and the results were fantastic then too; though if your ideas in that list, I’m afraid its not eligible this year. Full contest details: Festive Fivers Competition Previous Results Past Festive Fivers Results

Reminder: Top savings account 6.41%. ICICI 6.41%*, and a strong guarantee. Top Savings article

Important! Do a virus check. Remember anti-virus software is available for free
The attack on MoneySavingExpert, while deliberate, may’ve been unwittingly helped by some MoneySavers! This is because unknowingly you may have malicious software on your computer which, when you’re not using it, is used to attack sites or send spam. If you don’t have anti-virus software, or don’t update it regularly; remember you might not see the problems but could be responsible for a range of problems. Related Articles: Free Anti-Virus Software, Free Office Software

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Slash the cost of a Xmas getaway by flying Christmas or Boxing Day
Fancy getting away for Xmas, but want to cut the cost of flights? Consider travelling on Xmas or Boxing Day. Airlines slash flight prices for these dates. As an example American Airlines charge £992 for a flight from London to Miami on 22 Dec; this plummets to £328 on Xmas Day. Catch a late flight and you'll still have time to open your pressies and as long as you're with your loved ones, who cares if you miss It's A Wonderful Life? For a full guide to bagging the bargain flights see Cheap Flight Finding Related Articles: Holiday Haggle, Travel Insurance

£3,000 for Meningitis raised in memorial to little Zac. Thanks to all MoneySavers. The target's now £5,000

Did you withdraw your ISA from Northern Rock during the crisis?
If you took your money out between 13 & 19 September, the Govt has waived the normal rules and is allowing you either to redeposit your cash with Northern Rock, or grab a certificate from it to show a new ISA provider. You must act before next April Related Articles: Are My Savings Safe?, What is an ISA?, Top Cash ISAs

Reminder. Did you apply for the Tesco Savings Loophole? Get your first £1,000 in now

MONEY MORAL DILEMMA. Should Sharon pay to clean Tracey up?
Down at the Raspberry Star nightclub, Abba’s Dancing Queen is blaring out; Sharon’s on the dance floor, lightly sashaying and sipping her glass of red wine. Also out for the night, but with a different party is Tracey, who’s dancing away like a dervish. Both are so enraptured by the music they bump into each other and Sharon’s wine plummets over Tracey’s new white dress, white skirt and white shoes. She’s furious and thinks Sharon should pay for the cleaning as she shouldn’t have brought the wine onto the dance floor. Enter the Money Moral Maze: Should Sharon pay to clean Tracey up? Previous MMDs: Should Fernando pay for Lewis' service? and Should Gulliver allow bribes to Lilliput?

Boost Christmas shopping at Woolworths by 4%. Woolworth's 'bonus day' for its saving stamp scheme is 5 Nov. Read Article: Supermarket Saving Stamps

Great 'Cheapest Fireworks' Hunt Revisited
Fireworks can be great fun when done safely at home, but may have a not-so-fun price tag attached, so I thought I'd revisit the hunt to tap MoneySavers' knowledge to find the cheapest, safest fireworks around Add your ideas/read other peoples': Great Cheapest Fireworks Hunt Past Great Hunts: Wine Tart, Free Online Books, Student Discounts

CHEAP FLIGHTS SALES ALERT Airline: Ryanair. Price: £6 e/w. Ends: Midnight Thurs 1 Nov
Ryanair's flights sale has been extended again, with journeys available for under £6 inc. taxes & charges to over 70 European destinations from a range of UK airports. Tickets are at this price on selected flights (though availability is huge) until midnight Thursday. 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. Non-Budget Airline Tools: These are listed in the Cheap Flights article. Related Travel MoneySaving: Cheap Hotels, Spending Abroad, Cheap Currency, Travel Insurance, Roaming

New Forum: Up your income
Launched just 2 weeks ago, the Up Your Income board has gone from strength to strength, and is now thriving with great ideas to boost your bank balance, which'll be added to the Boost Your Income article in due course. Popular discussions include Becoming a private tutor, How and why you're upping your income, Party Plan and A saucy new job

Great 'Store Returns Policy' Hunt Result
Last week I asked MoneySavers to help compile a list of Store Returns Policy. Policies you told us about include John Lewis lets you return anything, anytime, Sainsbury's Clothing, Electrical & CDs policy and Argos - watch out for the tiny cross!

Your Suggestions For This E-mail!
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.
• Vine, Radio 2, Friday, 1pm. Boost Your Income

Keep updated on appearances: Changes and updates go in the Updated appearances list
Watch it back : If you missed Martin on GMTV or Tonight last week Watch again
Feedback on appearances: Discuss or add your thoughts on MoneySaving in the Media

Huge thanks to the Techie Team. Just a quick public note to thank Brendan, Neil, Daniel and James; the MSE techie team as well as our server company for near 24-7 work to get the site back up working. MSE is not a one-man band there’s a dedicated team of 15 of us, and at different times all shine; this weekend the techie team have positively glowed.

This week's Martin's Blog: Star struck at the British Athletics Awards
"PPI Campaign suffers" and "Dodgy loan companies on the TV". Read m'blogs (or RSS users access)

How much have you saved/gained from this site? This week's poll. Vote and How much have you saved? discussion

Only 14% guessed it'd take 60 years to pay a £5K credit card debt! Last Week’s Vote. Last week I tested MoneySavers' knowledge on credit card repayment lengths. The answer is it'd 60 years to pay off a £5,000 debt at 19.9% if repaying only the minimum payments. Find out how long it will take to pay off your debts using the Minimum Repayments Calculator. See Are you credit card aware? poll results.

Archna's Free Game of the Week! Get your dancing shoes on! Windsock Groove

Rude Rainbow. That's it for this week, yet to raise a smile one thing never fails. Take a look at the rude edition of Rainbow or listen to Zippy Swear

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: sky.com, o2.co.uk, plus.net, americanexpress.co.uk, icicibank.co.uk, alliance-leicester.co.uk, energyhelpline.com, barclaycard.co.uk, . Read more about this in how this site is financed.