Archive: MoneySavingExpert's Money Tips Email
2 Alton Towers tickets £1.40; Free Starbucks Coffee
Save £5,000 on mortgage life assurance
And much, much more MoneySaving...
Northern Rock: The Truth For Savers & Mortgage Holders. Northern Rock’s temporary nationalisation had news rooms salivating over the hype, saying "all savers will rush to put their money in" and "mortgage holders face a nightmare". So, what are the cold financial facts? N’Rock Mortgage Holders: Act 3 months before your deal ends. Sadly here the worst case seems to be true. As N’Rock wants to repay its debts, it needs its mortgage holders to pay theirs back. The easy way to make this happen is by offering uncompetitive mortgage rates so people'll move elsewhere. Thus, urgently diarise three months before your deal ends (or do it now if it already has) and remortgage to a cheaper deal (see remortgage guide). For those who borrowed more than their house is worth (125% LTVs) finding a new deal may be tough; it's not a good scenario, so it’ll need work. N’Rock Savings aren’t that good. You can get better. There’s been speculation that savers' cash will flood into N’Rock as it's ‘the best buy’. Yet that’s not true. Its tracker online pays 6.49%, but Kaupthing* (provided you've £1,000+) pays 6.5% and has a MUCH better rate guarantee (see top savings). Only those over the £35,000 level that's guaranteed as safe in any UK account can actually gain from this; see my Northern Rock blog and Safe Savings article for more. |
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A huge, hidden saving! Mortgage Life Assurance Rip Off: Save over £5,000! New Article
If you’ve got a mortgage life assurance policy, it's very likely you’re paying massively over the odds, especially if it was flogged with your mortgage. By ditching and switching many people can get the same cover £5,000 cheaper over the life of the policy. It’s one of easiest ways to save. This is a fully re-researched and re-written article, including a survey of the 20 top brokers to find the best buy. New Article: Mortgage Life Insurance Related Articles: Cheapest Car Insurance, Cheapest Home Insurance, Remortgage Guide, Mortgage Guide
2 Alton Towers Tickets for £1.40. Or 2 for 1 to a range of theme parks & zoos. Fair deals
Free DVD Unlocking Codes: Make DVD players multi-region & get cheaper discs.
It’s possible to unlock your DVD player for free so it can play discs from anywhere in the world. It usually involves simply tapping a code into the remote. After that, rather than being bullied by Hollywood distribution channels into paying more for UK discs, you can get earlier-released, cheaper DVDs from the US and elsewhere. This new article explains how to do it, and where to shop for dirt-cheap DVDs worldwide. New Article: DVD Unlocking Related Articles: Mobile Unlocking, DVD Rental, Cheapest Online Shopping
Urgent! Free Fairtrade coffee from Starbucks. Nationwide 2pm 'til close, Weds 27th. Don't coff up!
Last chance! 50% off Tesco Home Insurance. Ends 5 March
There’s only a week left of Tesco's* half price home insurance promotion. Remember, the key is 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. Warning: This isn’t a recommendation, just a ‘grab the quote to see’. Always check its price against my usual system to speedily compare the market using all the screenscraping websites Confused*, Moneysupermarket*, Compare the Market* & GoCompare*. For the full system with more savings read the Updated Article: Cheap Home Insurance Related Articles: Cheap Car Insurance, Cheap Travel Insurance
Free Mobile Handset! Buy £20 of Orange PAYG credit and get it free. Chiiing, chiiing! Related Article: Cheapest Mobile Deals
STOP YOUR FRIENDS WASTING CASH! PLS SUGGEST THEY GET THIS EMAIL
Stamp Prices Rising. Beat this & save even more.
On 7 April, 1st class stamps go up from 34p to 36p, and 2nd from 24p to 27p. Yet there's a way around this; Superdrug is currently selling stamps at 5% off, and they're still valid after the rise, so stock up now and save! Stamp down the costs
Major Eating Out Savings: Three courses for £10, Michelin star restaurants £20, 50% off Slug & lettuce. Can you eat it?
New record £27,500 PPI reclaim. Got PPI? It Pays To Watch Challenge
If you’ve got or had a loan, credit card or store card you may be able to reclaim £1,000s if, as is common, you were missold the insurance. This week I was e-mailed about our biggest success story so far, £27,500 reclaimed. On It Pays To Watch I’ll be taking three volunteers through the system to see if they can reclaim. Full Guide/Free Draft Letters: PPI Reclaiming It Pays To Watch: Five 7.25pm Wednesday. Related Articles: Cheapest Loans, Cut Existing Loan Costs, Cheap Credit Card Loans
Using T-mobile on European holidays? Don't text, send picture (MMS) messages instead; it's half the price!
Cheapest Mobile Phones Warning: Another cashback provider ‘Simply3G’ goes bust!
Never pick a mobile deal for the cashback, always find the cheapest tariff first then see if you can get cashback as an added bonus (see the Cheapest Mobile Deals article for more). Sadly Simply 3G has joined the growing list of cashback providers that’s gone into liquidation, if you’re affected read the Updated Article: Cashback Collapse Help Related Articles: Cheapest Home Phone, Switch Gas & Electricity
Help Needed for new MSE Charity. We need two members for the Grants Giving Panel
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The Big & Easy Ways to Save Checklist |
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WARNING! Taking a worldwide trip that connects at an EU airport? Your duty free may be confiscated
Are you in danger of eviction/repossession? Free legal aid for court cases
Sadly more people are facing the threat of eviction/repossession. If you’re in danger of this, the Housing Duty Scheme gives free advice at around 100 courts across England and Wales. It’s important to get legal advice asap if this is a risk, to see if this is available for you call Community Legal Advice: on 0845 345 4345 or use its website. Full Debt Help Guide: Read the full Problem Debt Help article, and listen to my Moneybox 'Sale and Rent Back' schemes warning. Related Articles: Benefits Checkup, Free IVA Guide
98 year old MoneySaver got £200 hotel room for £4.50. Last Chance! Get your age discounted from a swanky hotel. Amaison deal!
MONEY MORAL DILEMMA. Should Marge stop Lisa spending the glam cash?
Having completed her daily chores and odd jobs around the house over eight months, 13 year old Lisa manages to save all the allowance her mother Marge rewards her with, accumulating a respectable £150. Proud of the achievement, Marge enquires how she plans to spend the cash. She replies "I'm going to bleach my hair blonde and buy a pink mini skirt to wear with my new four-inch high heels". Enter the Money Moral Maze: Should Marge stop Lisa spending the glam cash? Previous MMDs: Should Jamie take Gordon to a pricey restaurant? and Should Ross be there for Joey?
Celebrity What's In Your Wallet. Who'd you like to see take my It Pays To Watch challenge?
Great 'Blag by threatening to leave' Hunt. How far will companies go to keep you?
There are scores of MoneySaving techniques that involve fighting back and threatening to leave to grab better deals. You can Batter Down Your Mobile phone contract, slash interest with the Credit Card Shuffle and haggle down your Car and Home Insurance and more. So I want to find out what other secret deals companies will offer in a bid to cling on to your custom. Please let us know the best deals you’ve managed to blag by pretending to leave. Add your ideas/read other peoples': Great 'What can you blag by threatening to leave" Hunt Past Great Hunts: Single MoneySaving, What Kids Should Know About Money, Audience Tickets
Over 60 (or know someone who is) and live in Northern Ireland? Can you help test a new online benefits tool? Spread the Benefit
Quick Forum Tips
Warning! Bargains listed here tend to
sell out quickly
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Energy Saving Day starts 6pm, Wed. Ditch & switch supplier, cut your usage
This Wed/Thurs there’s a national campaign to get everyone to turn off electrical appliances that needn't be on, for as long as possible. It’s a good MoneySaving idea, as using less energy means lower bills. Also try energy saving light bulbs, turning down the thermostat (wear a jumper) and boiling less water. Plus remember there’s £1,000s of Energy Saving Grants available. And of course remember now’s the Time To Switch: Switch Gas & Elec and get Cashback
Get the Easter holidays sorted now. Board of the week: Travel, Trips & holidays
The Easter holidays are almost upon us, so let the Travel, Trips and Holidays board come to your rescue. This board’s a mine of information to take you through the break, with MoneySavers sharing tips on everything to do with travel, holidays and days out. Discussions include Using Tesco Vouchers on Virgin Holidays and Shopping in New York
Great 'Single MoneySaver' Hunt Result
While it has its perks, single life can be costly, so last week I asked MoneySavers for their top Single MoneySaver tips. There were some great suggestions including bulk cook,
single savings and budgeting tips.
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Charlatans Download, Always Ultra, Reptile Poster |
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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.
- Inside Out, BBC1 North West, Friday from 7:30-8pm. It's a personal profile piece on me (cross your fingers I come out okay!) .
- LK Today, ITV1, Wednesday (between 7:30 & 8am). Explaining how to earn more interest by Transferring Your ISA to a better paying provider.
- It Pays To Watch, five, Wednesday from 7:25-8pm. Showing us how to Reclaim PPI if it was missold, often retrieving £1,000s.
- GMTV, ITV1, Tuesday (between 7:30 & 8am). The subject for this is news reactive so you'll have to wait and see.
Watch/listen back from previous weeks: Listen to previous weeks' Vine on Radio 2 and MoneyBox on Radio 4 MoneySaving. Watch it here
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: The Insurance Thugs Dream Team Back Together
"The MoneySavingExpert.com Charity Fund… getting there" and "Northern Rock is NOT a best buy savings account." Read m'blogs (or RSS users access)
Who wears the financial trousers in your relationship? This week's poll. Vote and money trousers discussion.
How low would you stoop for cash? The very lowest! Last Week’s Vote. More than a third of you would stoop down to pick up a 1p piece, though it's likely that this is at least partly due to a certain superstitious rhyme about finding and picking up pennies. 16% wouldn't bend down for less than 50p, whilst 2% would never pick up dirty cash from the street because it's 'not theirs'. It could have been... See How low poll results.
Archna's Free Game of the Week! Paint & shape the balls the right way. It'll get your mind boggling! Factory Balls
Dance until you drop! That’s it for this week, yet before I go, as someone who used to spend too much time on the dance floor I couldn’t resist this comedians take on the Evolution of dance
I hope you save some money
Martin
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: kaupthingedge.co.uk, tescofinance.com, confused.com, comparethemarket.com, gocompare.com, americanexpress.co.uk, virginmoney.co.uk, citibank.co.uk, alliance-leicester.co.uk, talktalk.com, envirofone.com, mopay.co.uk, energyhelpline.com. Read more about this in how this site is financed.
MoneySavingExpert.com is the free to use Consumer Revenge website focused on how to save you cash. It’s owned, and run by ultra-specialised journalist and bestselling author Martin Lewis. On TV amongst other things Martin has his own show It Pays To Watch on Five, is GMTV’s Money SavingExpert, presents money programmes for ITV1 Tonight. On Radio Martin has regular slots on Radio 2 Vine and Radio 1 Whiley. He’s also a columnist for the News of The World, Moneywise and the Sunday Post. Find out more: About the site and its funding.
Disclaimer: This e-mail is based on journalistic research. It does not constitute financial advice. Any information should be considered in regard to your
own specific circumstances. All tips are followed at your own risk and should be followed up with your own research Full Terms & Conditions
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