Archive: MoneySavingExpert's Money Tips Email
Wagamama 2 for 1; New cheapest mortgage system,
No anti-virus/spyware? You may be liable,
And much, much more MoneySaving...
| Free Legal Trick to wipe out debts? IT DOESN'T EXIST! As if the TV adverts weren’t enough, it seems now cold callers are leaving voicemail messages saying something akin to “want a free, legal, trick to wipe out debts with a little known government loophole?” If you get one of these, don’t believe it and don’t call back! It’s a cut down form of bankruptcy. What they’re trying to flog you is a cut down version of bankruptcy called an Individual Voluntary Arrangement (IVA). These are often hard sold, as they can make the arranger £5,000 plus. Sadly some who just have mild debts which they can repay are misled. For others in debt-crisis, they may be a good solution, yet even then be careful. For more info read the Free PDF IVA Guide and Problem Debt Guide. |
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Find your best mortgage. New ‘broker plus’ technique to find the ultimate deal.
The nightmare of soaring rates and less availability is widely reported. My past solution’s been to use a whole-of-market broker to find the best deal. Sadly though, more lenders have stopped allowing brokers to access their deals, meaning you now need to use a broker, plus check some specific hot deals yourself. This is a totally rewritten, re-researched guide to getting the very best deal during the credit crunch. New Guide: Free Mortgage Advice Related Guides: Remortgage Guide, Mortgage Guide
Super cheap AA & RAC breakdown deals. Buy AA’s £35 basic cover & get £20 M&S voucher. Get RAC cover for just £8. Full Info: Roadside deals
WARNING! You may be liable for bank fraud without updated anti-virus & spyware.
The Banking Code’s long stated those using any bank facilities online should “use up-to-date anti-virus and spyware software and a personal firewall.” Yet the Guardian’s just spotted that added in March was “If you act without reasonable care, and this causes losses, you may be responsible for them”, which then uses the anti-virus bit as an example. The British Bankers' Association says this was a clarification, yet it’s a salutary warning. Ensure you're protected; free professional versions of these types of software are available online. Updated Guide: Free Anti Virus Related Articles: ID Fraud Help, Best Bank Accounts
Wagamama 2for1 Voucher. Click 'n' print to get two main courses for the price of one. Added to the mass list of restaurant vouchers
Top Mobile Deal. 1,400 mins & unlimited texts £30/month… great as a negotiating chip.
A big market-leading 1,400 cross-network anytime minutes, plus unlimited texts for £30/month is currently available as a Sim-only T-mobile* deal, plus you can quit the contract with just a month’s notice. It’s a good deal in itself, but more importantly if you’re near the end of your mobile contract on any network, it’s a great negotiating chip to say “beat this deal”. For how to do that read the Guide: Mobile Contract Haggling. To compare it to other deals read the Full Guide: Cheapest Mobiles Related Articles: Unlock Your Mobile, Cheapest Calls to Mobiles
Garmin Sat Nav with full European maps £95. Lots of Sat Nav deals. Can you beat it?
STOP YOUR FRIENDS WASTING
CASH! PLS SUGGEST THEY GET THIS EMAIL
Loophole! Virgin TV, line rental & broadband £100 off. Sign up via a cashback site, and you can get £100 off. Virgin on the ridiculous
New Top Balance Transfer Deals. 0% for 15 mths or 6.5% until debt’s repaid.
If you've got credit card debts, balance transfers let you shift them to a new card at a much cheaper rate. There's been a shake-up of the top players, so here's a round up of the top new cardholder deals. Life of Balance: Move debt to Barclaycard* and it's 6.5% until all the debt's fully repaid. Longest 0%: Virgin* 15 mths with a one-off 2.98% fee & Capital One* 0% until Oct '09 with a 3% fee (only via comparison site Moneysupermarket). Shorter borrowing: HSBC* 13 months 0% with a lower 2.5% fee or Abbey Zero & Ulster Bank are 6 mths 0% no fee. Updated Guide: Balance Transfers Related Articles: Top 0% for New Borrowing, Existing Customer Balance Transfers, Cheap Loans
1p Ryanair flight sale (incl. most charges) extended yet again. Ends midnight Thurs 12 June. Find them quickly: 1p Ryanair Flights guide.
New shopbot you can access on your mobile. Great for comparisons while shopping.
Shopping comparison site Kelkoo's* new mobile optimised site lets you compare while at the shops. It joins Pricerunner's* more powerful tool, but that has to be downloaded to your phone. More info in the Updated Guide: Top Shopbots Related Article: Cashback Sites
56 'quality' disposable Nappies for a fiver! Could save you £200 a year... Bum Deals Related Articles: Cheap Supermarket Shopping, Nappy: Reuseable v Disposable, Childcare Vouchers
Are you at University/Higher Ed? Spend three weeks in the class room for £600.
If you’re at a higher education institution in England, you can get £600, and great experience, by doing a three week teaching placement in an English primary or secondary school. The money comes from the Training & Development Agency, spaces are still available, though act quick as this year’s placements must be done by the end of July. More info in the Full Guide: Boost Your Income Forum Section: Up Your Income Also save yourself a fortune: Money Makeover
Do you work for an airline? Check-in staff, flight attendants; please tell us your tips how to get an upgrade
The Guardian: He’s ashamed, I’m happy… The paper’s doing 'saving money' special pullouts this week & sent their money-phobic interviewer to meet me. Even I laughed at the article… More info: Read m’blog
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The Big & Easy Ways to Save Checklist |
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The Great 'Disney Cost Cutting' Hunt: Orlando theme park tickets on the cheap
Disneyworld's a popular destination for Brits but by the time you've bought tickets for the main parks, it can cost and arm and a leg. So, this week I want to tap MoneySavers' collective ideas for cheap ways to get into Disneyworld and other sights and attractions in Orlando. Did you buy a cheap ticket before you went? Did you find on offer for free tickets or money off? Did you wait until you got there to find the best bargains? Add your ideas/read other peoples': The Great 'Disney Cost Cutting' Hunt Past Great Hunts: Holiday Inspiration, Crucial Phone Numbers , Cheap Dates
Know a money / finance/ debt course in your area? We’re trying to build a database of accredited local and national courses for The MSE Charity… Please Report them here
MONEY MORAL DILEMMA. Would you ask for new shoes?
You go to a house warming party kitted out in your best gear but the host, gives you slippers and says please leave your new £150 designer stillettos/Italian leather loafers at the door with everyone else's shoes to stop dirt. When leaving your shoes have gone. After a week the host still can't find them, and you're fed up. Enter the Money Moral Maze: Would you ask for new shoes? Previous MMDs: Should Heather take the money and run? and Would you contribute to the cost of repair?
Tried to negotiate debt repayments with creditors on your own? If so please help the Citizens Advice Bureau by filling in its survey
Board of the week: Marriages, Relationships and Family MoneySaving
The Family MoneySaving board has a huge community of MoneySavers on it discussing everything from preparing for a baby to helping out kids on their way to Uni. Discussions include What's the going rate for the tooth fairy?, Replacing a birth certificate and Out of School Childcare for Teenager.
'The Kitchen Revolution' meal planner book giveaway. Last week we blagged 30 copies of this book. Did you get one?
Quick Forum Tips
Warning! Bargains listed here tend to
sell out quickly
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Great 'Holiday Inspiration' Hunt Result
Last week in the Great 'Holiday Inspiration' Hunt I asked for your top ideas on where to go for less at the moment. The great suggestions included Single parent holidays, Do the Caribbean for less and It's cheap in Egypt
Cardiff Blues Family Fun Day, 10 Nectar Points |
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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.
- LK Today, ITV1, Wednesday between 8:45 & 9:15am. Everything you need to know about Travel Insurance
- GMTV Holiday Special, ITV1, Tues - Thurs between 7:30 & 8am. The first day's topic focuses on how to get Cheap Travel Money
Watch/listen back to past appearances: Including Radio 1's Jo Whiley, Radio 2's Vine, Radio 4's MoneyBox and GMTV. Listen/watch 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: Spam called by an Indian company with AOL’s data?
"The Guardian: He's ashamed I'm happy" and "Silly press release of the year contender…". Read m'blogs (or RSS users access)
Do you leave the tap on when you brush your teeth? This week's poll. Vote and Brushing habits discussion.
Money Quiz: Can you work it out? Just about! Last Week’s Vote. Last week's poll asked which of four situations would give you the best return, and the answer was C: The stock market stays the same. So, how did you do? Well, the slim majority of 30% got it right, compared to 28% last time. See the full Money Quiz poll results, or read my explanation of the answer.
Archna's Free Game of the Week! Battle the bots to liberate Titan Prime! Robokill
Take the saving money quiz… That’s it for this week, but before I go, the Guardian’s done a quick MoneySaving quiz. I hope you’ll all get 8 out of 8, and if anyone gets the last question wrong… Guardian Money QuizI 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: t-mobile.co.uk, barclaycard.co.uk, virginmoney.com, capitalone.co.uk, hsbc.co.uk, kelkoo.co.uk, pricerunner.co.uk, alliance-leicester.co.uk, kaupthingedge.co.uk, talktalk.co.uk, americanexpress.co.uk. Read more about this in how this site is financed.
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