Archive: MoneySavingExpert's Money Tips Email
Free Lucozade; New year 6.5% cash ISA;
£1 posh hotel rooms
And much, much more MoneySaving...
New tax year. How much will you earn now? The new tax year started on 6 April, the 10% income tax on earnings rate has gone, and all thresholds have changed. This means what you get in your paypacket changes even if your salary hasn’t. Some gain, some lose; this quick income tax changes note will let you know which you are. It’s not just tax that’s on the up. Prices are on the rise across the board, yet by acting you can save on all the big changes: gas and electricity, mortgages, food and prescriptions. Ensure you budget the changes. With prices rising, you have to be aware of the impact on your overall finances. The most important way is to use the Free Budget Planner tool to ensure you spend within your means. Also give yourself a full Money Makeover to systematically work through all bills & products and get the top deal. PS. Thanks to the team. I’m taking a break this week… so having pre-written much of my stuff, I’m leaving this email in the capable hands of MSE Archna, Dan, Jenny and the rest of the MSE team. Hope it’s a good ‘un. |
|
Help friends/family/colleagues beat price hikes
The best way is to suggest get this free weekly e-mail from moneysavingexpert.com/tips
[[NEW_IN_ARTICLE_TIP_BOX]]
|
New FUN Tool. Car Insurance Job Picker. Tweak your job title to save cash
When buying car insurance, your line of work counts, so subtly and legitimately changing job title can save you cash. Is being a secretary cheaper than a typist? Should a civil service planning manager be a civil servant or planning manager? How can Chicken Chasers cut costs? My new free tool answers these...and more. It's based on sample data, so isn't definitive, but it's a good benchmark and fun to play with. P.S. Feel free to compare your job to your friends! New Tool: Car Insurance Job Picker Full Car Insurance Guide: Cheap Car Insurance Related Guides: Cheap Van Insurance, Cheap Motorbike Insurance, Home Insurance
Free 500ml bottle of Lucozade. Worth 89p. Just click 'n' print voucher from its website
New ISA year. Anyone with savings, use your £3,600 cash ISA allowance now
The new tax year's started, so every UK adult can now open a brand new cash ISA, which in a nutshell is just a tax-free savings account. Better still the threshold has been upped to £3,600.You've got until next April to save that much away tax-free. The current top cash ISA is Barclays at 6.5% AER (inc. 1% bonus lasting a year). For all the top accounts, read the Full Article: Top Cash ISAs Related Articles: Savings Accounts, Transfer Existing ISAs, Full ISA Guide
URGENT! 500 Hoxton Posh Hotel Rooms £1. Avail. Midday Fri 11 April. Good luck in grabbing one
Tips, Tricks & Treats: the best of MoneySavers' loopholes, bargains & advice.
Masses of loopholes, bargains, discount vouchers, new offers and just plain ol' good advice are crammed into our chat forum. The best new ones get included in this weekly e-mail; those that last are collected up and listed in one place. It's a treasure trove for the top tips. This is a huge compendium of what's available, and includes any Great Hunts or Money Moral Dilemmas you may've missed too. Updated Article: Tips, Tricks & Treats Related Article: Freebies, Freebies, Freebies
STOP YOUR FRIENDS WASTING CASH! PLS SUGGEST THEY GET THIS EMAIL
£3 Massage, hair cut, golf, personal training & more. Buy three Radox products (cheapest possible is £3) and get a treat for free
Prescriptions now £7.10. How to beat the medications price hike. Updated Article
Prescriptions in England have jumped to £7.10 from £6.85 yet there are ways to cushion the blow. Regular prescription getters could save over £150/year with an annual prescription certificate, plus you may be able to get the same medications over the counter for much less. In Scotland prices have dropped to £5. Full details in the Updated Article: Cheaper Prescriptions & Medications Related Articles: Healthcare Cashplans, Cheap Contact Lenses, Dental Insurance
Sub £10 internet phone. Get a handset to make free worldwide web conversations. £8 can you beat it? Related Article: Voip: Free Worldwide Calls
Did you get the special TalkTalk deal? Get the connection fee wiped
Two weeks ago, I headlined a special discounted TalkTalk deal via comparison site Uswitch, with line rental, broadband and free evening & weekend calls for £15/mth. Senior TalkTalk powers had confirmed to us it no longer had its one-off £30 connection fee. It was wrong; anyone who signed up will be charged it. While even with the fee, it's still the cheapest deal, after I remonstrated, TalkTalk's kindly agreed to compensate MoneySavers who signed up based on the wrong info. If that's you find out more in the Forum Note: TalkTalk Compensation Related Articles: Cheapest Broadband, 3G Broadband
Premium Bonds: how much will you win? April's draw odds are now in the Premium Bond Probability Calculator
Credit Card Charge Reclaiming. IGNORE TV ADS. Do it yourself and get £1,000s back
While Bank Charges reclaiming is still on hold, credit card reclaiming isn't and it's one of the easiest ones. Yet now claims handlers are advertising on TV, to do it for you and in the process will snaffle around 30% of your reclaim. Don't think you need to pay to reclaim, it's all easy to do. Read my guide which includes free template letters. Full Free Guide: Credit Card Reclaiming Other Reclaiming: Loan Insurance, Mortgage Fees, Council Tax
Cheap Familiy Recipes Contest. 3 course takeaway-style Indian for under £5! I recently challenged you to give us the best budget recipe putting Jamie to shame. After much deliberation by the MSE Team the champagne goes to Jenid, for her Lamb Kofta, Daal and Spicy Potatoes dinner. Full entries: Family Meals Under £5
[[NEW_IN_ARTICLE_TIP_BOX]]
The Big & Easy Ways to Save Checklist |
|
|
Want to earn £30 cashback/crate of wine on gas & elec comparisons?… don't go direct…
Compare to find the cheapest energy provider and it's possible to get cashback. That’s because due to a price war over MoneySavers' custom, the sites offer cashback if you switch via this site. Yet until last week, there was one comparison site, Moneysupermarket*, which also offered it direct. Now it too has stopped offering it if you go direct, but you can still get its £30 cashback for a dual fuel switch, via this site. Top Overall Comparison Service: Energyhelpline* pays £15 cashback per switch. Alternatives: Moneysupermarket* pays £30 cashback for dual fuel and uSwitch* gives a £40 crate of wine per switch. Full info: Switch Energy, Get Cashback Related Articles: Boiler Cover, Grant Grabbing, Cheapest Home Phones
Not on the electoral roll? It'll smash your credit score. To get credit it's vital you're registered on the electoral roll before applying. Use this website to speedily click, print and register
MONEY
MORAL DILEMMA: Should you give your best mate a £1 pressie?
It’s your closest, oldest friend’s birthday and you’ve been racking your brains for an ideal gift. Normally you spend £30-ish on each other. But you spot a loophole on the magazine offers thread to get their favourite perfume/aftershave free with a £1 subscription. It’s worth £30 and this is the kind of pressie you might have picked anyway. Yet you feel a twinge of guilt about only forking out £1, when they always spend more. What would you do? Enter the Money Moral Maze:
Should you give your best mate a £1 pressie? Previous MMDs: Should
you save a stranger money? and You broke it, would you pay to fix it?
New Trial MoneySavingExpert.com News Service. We’re trialling a service with the latest stories on or around MoneySaving published by the team and I. To look at the stories so far go to the MoneySaving News Service. RSS feeds to come later.
MoneySavingExpert Job opportunities. London based Part-time Press Officer and Temporary Researcher needed.
Quick Forum Tips
Warning! Bargains listed here tend to
sell out quickly
|
||
|
What's going to happen to House Prices? New Forum Section!
Thanks to the credit crunch, house prices are a hot topic at the mo. I've set up a new, separate section of the forum, for those that want to discuss whether prices'll slide or soar. The House Prices board's already filling up with some interesting debates. Related Article: Free House Price Valuations
Free Grand National bet Result. Congrats to all MoneySavers who won, especially LindaS & sufcmad16 who both scooped £300. Ain't life Grand!
Great 'Best No-Contract Deals' Hunt: Phones/broadband/insurance for renters
Often top MoneySaving deals, from financial products to mobile phones, come with 12 or 18 month contracts. For people in short-term accommodation, these can be a pain in the proverbial. So I thought I'd call on MoneySavers' wealth of knowledge to find the best no-contract deals for everything from insurance to gym membership. Add your ideas/read other peoples': Great Best No-Contract Deals Hunt Past Great Hunts: Double Use, Back Up Your Mobile Data, Cut the Cost of Moving Home
CHEAP FLIGHTS SALES ALERT Airline: EasyJet. Price: c.£23 e/w. Ends: When tickets sell out.
My top pick budget airline sale this week is EasyJet’s sub-£23 inc. most taxes & charges to about 20 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 between 16 April & 21 May. 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 £23. Non-Budget Airline Tools: Read the Cheap Flights article.
Related Travel MoneySaving: Cheap Hotels, Spending Abroad, Cheap Currency,
Travel Insurance, Mobile Roaming
Great 'Rural MoneySaving' Hunt Result
Last week I asked MoneySavers living out in the sticks to give their tips and ideas to others in the same situation or contemplating moving to the country. The response was great. Tips and suggestions include barter,
create a consortium and collect wood
Hand Wipes, Braille Labelling At Asda, Handwriting Worksheets, |
|
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.
Martin's on holiday this week, but you'll still be able to watch him on:
- It Pays To Watch, five, Wednesday from 7:30-8pm. Special episode highlighting all the MoneySaving tips to reclaim Mortgage Exit Fees, get Cheap Gym Membership, save £1,000s with Childcare Vouchers plus slash the cost of Mobile Phone Tariffs.
- GMTV, ITV1, Tuesday (between 7:30 & 8am). Discussing Are Your Savings Safe?
Watch/listen back from last week: Listen to Vine on Radio 2, MoneyBox on Radio 4 & GMTV 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: Baboon's Bum!
"Quid pro quo" and "Baboon's Bum". Read m'blogs (or RSS users access)
When were you last asked for ID? This week's poll. Vote and Buying drinks discussion.
Is the licence fee worth it? In a word, no! Last Week’s Vote. It seems MoneySavers are becoming less enamoured with the licence fee over time, with a huge 75% of voters saying no, it's not worth it compared with 67% last time we ran this poll. Of the 25% that voted yes, only 5% cited Auntie's 'quality output' as their main reason for doing so, compared with 7% last time around. See Licence Fee poll results.
Archna's Free
Game of the Week! Clear the blocks as fast as you can Crashdown
Gremlins in your PC? That's it for this week, but before I go, check this out. Ever wondered why your PC doesn't work?
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: uk.virginmoney.com, barclaycard.co.uk, alliance-leicester.co.uk, talktalk.co.uk, kaupthing.com, amex.co.uk, envirofone.com, mopay.co.uk, energyhelpline.com, uswitch.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.
To change your E-mail or stop receiving Tips: Go to: www.moneysavingexpert.com/tips
Latest weekly email
Clever ways to calculate your finances
