Archive: MoneySavingExpert's Money Tips Email
|
||||||
Companies! Offer MoneySavers an original discount, code or voucher. We're suspending the 'no ads' rule for companies big & small, but ONLY in one special forum thread, and only for companies who want to offer MoneySavers special discounts. Better still, any top ones will go in future e-mails which reach 2.6m people. |
|
Please suggest friends/family/colleagues get this free weekly e-mail from moneysavingexpert.com/tips
[[tip_box_in_tip]]
|
How severe are your debts? Find out then fight back. Free help & negotiation tools.
Anyone with debts needs to sit up. The coming recession coupled with the credit crunch means unless you act NOW things are likely to get worse; and this guide's been re-researched and rewritten with that backdrop. What's in it? It analyses how severe your debts are, then gives a detailed checklist including cutting interest, budgeting, challenging debts' legality and one-to-one help inc. free tools to negotiate with creditors. New Guide: Debt Problems Related Articles: Benefits Checkup, Budget Planner, Danger! Minimum Repayments
New Gourmet Burger Kitchen 2for1 & last chance La Tasca. These vouchers plus a free meal promotion via TopTable join ASK, Yo Sushi and more in the Daily Deals List: Restaurant Vouchers
New top 6.5% savings PLUS up to £60 in free Tesco Clubcard Deals. New Guide
The Tesco Internet Saver* pays 6.5% AER interest, fractionally below the top savings accounts, though 1.5% of this is a year-long bonus. Up to £60 Bonus: Open one, and have £1,000+ in it on 30 Nov. and you get 500 Tesco clubcard points, (£5,000+ gives 1,500 points). Better still, redeem the points on clubcard deals and the value's quadrupled (1,500 points=£60). How safe is it? Tesco's a fully regulated, separate UK bank and like all is government protected up to £50,000 per person per institution. Full details, pros and cons in the New Q & A Guide: Tesco Savings Loophole Related Guides: Loyalty Schemes, Safe Savings
Until next Mon. 20% off Oasis, Uniqlo, Coast & more. Just buy this week's Grazia magazine for £1.90. These and more inc. 15% off Warehouse in the Daily Deals List: Shopping Vouchers
URGENT. £7.50/month broadband (£2.50 for o2 customers) via a cashback site.
o2 currently offers the cheapest unlimited download broadband package at £12.50 a month (£7.50 for o2 mobile customers) including a wireless router. The cashback deal: Until 31 Oct, sign up via cashback site Quidco and it'll give you £60, factor this in over the 12-month contract and this cuts the cost to £7.50/mth (£2.50 for o2 customers). While this type of cashback isn’t 100% certain, it's very likely in these cases. Full pros & cons in the Forum Note: o2 cashback Related Articles: Cheap Broadband, Cheapest Home Phones, Free Wireless Internet
Free £11.50 Boots No.7 Mascara with £3.40 magazine. It’s a full sized mascara on the cover of this month’s Eve. More in the Forum Note: Free Mascara
STOP YOUR FRIENDS WASTING CASH! PLS SUGGEST THEY GET THIS EMAIL
25% off Family & Friends Railcard. This discount railcard gets up to 4 adults & 4 kids 1/3 off adult and 60% off kids train fares. Now a special new code cuts its price from £24 to £18. Full Info: Family Railcard
Icelandic Banks Update. Icesavers wait, Kaupthing CHAPS payments news.
See the Icelandic section of the Safe Savings guide for full info, but here’s a summary. Kaupthing Edge: Fully operational, but now run by Dutch Bank ING Direct, the main issue's been missing CHAPS/BACS payments from the days before ING's takeover. Most have now been sorted, see the full Kaupthing Chaps discussion Icesave: The govt has guaranteed ALL savers' money will be paid back to them through the Financial Services Compensation Scheme (FSCS). We watch & wait on the FSCS website as it's promised more info this week (also see a discussion on putting pressure on if things slow down). All updates go in the Full Guide: Are Your Savings Safe?
ICICI: is it safe? For the latest rundown of the protection and situation, read m’blog
Slash BT line rental to £4.50/mth (usually £10.50), if you're on benefits
BT has recently launched a new social tariff, BT Basic, aimed at cutting the costs for those on certain benefits. It costs £4.50/month (compared to the usual £10.50/month line rental). This gives you line rental and includes £1.50 worth of calls each month. If you receive Income Support, Jobseekers Allowance or Pension Credit and get it this can be a serious saving. All the info on how to get it is in the Forum Note: BT Basic Related Article: Cheapest Home Phone
Free £4 Lego with 40p newspaper. Until 31 Oct, the Mirror's printing vouchers for free Lego toys, redeemable at Woolies & ELC. Full details in the Forum Note: Free Lego
Disabled MoneySavers New Discussion Board. Share tips, tricks and savings
After lots of requests, there’s a brand new Forum Board for those with Disabilities to discuss and share MoneySaving ideas or tips. This includes mobility issues, and long term health issues like partial hearing or Cancer. New Board: Disability & Dosh Discussions Include: Toll Road Concessions, Red Cross Loans and Cheap Days Out.
Half Term 2for1s at Alton Towers, Legoland & more. Simply buy Fanta, Dr Pepper or Sprite (2L) costing c.£1.50 and bag 2for1 voucher for Alton Towers, Chess'ton, Thorpe Park & more. More in the Daily Deals List: Days Out
The Treasury Committee wants YOUR view on the banking crisis
The Treasury committee’s job is to hold the govt to account, and its asking for any questions you’d like it to put to the Chancellor, FSA or Bank of England bosses. More info in the Forum Note: Crisis Questions
Amazon now gives free delivery for £5 up. Amazon’s cut the minimum price for free 'supersaver delivery' from £15 to £5. Sadly it’s also ditched its post-order price promise policy. More in the Forum Note: Amazon Changes
[[tip_box_in_tip]]
The Big & Easy Ways to Save Checklist |
|
|
New bigger, more powerful govt body to fight for your consumer rights
The government's merged five old consumer bodies (inc. Energywatch and National Consumer Council) into one UK-wide watchdog. Consumer Focus is set up to fight for energy customers, with new powers to investigate any complaint and demand information from utilities providers (though you still can't complain directly to it, you have to go to the relevent ombudsman first). To find out what your rights are and how to make companies play fair, read the Related Article: Consumer Rights
Free Flu jabs if you're eligible, & now only £10 if you're not. Supermarkets are offering flu jabs for £10 (elsewhere they're £35) but first check if you can get one for free. More info in the Forum Note: Flu Jabs
WARNING! Got a 1998/9 driving licence? Change your pic or be fined £1,000.
Photo licences replaced paper ones in 1998 and the photo must be updated every ten years, costing £17.50, or you can be fined £1,000. If you were one of the 400,000 who got yours in '98 or '99 then, sort it quick. More in the Forum Note: Licence Pic Related Guides: Cheap Car Insurance, Cheap MOTs, Cheap Roadside Recovery
The 'LoveFoodHateWaste' giveaway. 50 packed lunch kits (tupperware, flask etc.) blagged for MoneySavers Food Lovers
CHEAP FLIGHTS SALES ALERT Airline: BMI Baby. Price: sub-£30 e/w. Ends: When tickets sell out.
The top pick budget airline sale this week is BMI Baby's sub-£30 (inc. most taxes & charges) flights to various European destinations from a range of UK airports. Tickets are at this price on selected flights until they sell out. 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 £30. Non-Budget Airline Tools: These are listed in the Cheap Flights article. Related Travel MoneySaving: Cheap Hotels, Spending Abroad, Cheap Currency,
Travel Insurance, Mobile Roaming
MONEY MORAL DILEMMA: Do you charge house guests for breakages?
You invite friends to stay for the weekend. They’re there with the children and everyone’s having a great time. Then sadly young six year old Tommy throws the cricket ball he was playing with through the new-ish £500 LCD TV (and you’ve no accidental breakage cover on home insurance). Enter the Money Moral Maze: Do you charge house guests for breakages? Previous MMDs: Should Rebecca come clean about David's baguette? and Would you shop your teenager?
Quick Forum Tips
Warning! Bargains listed here tend to
sell out quickly
|
||
|
Great 'Loyalty Point Xmas Pressies' Hunt Result
Last week I called upon MoneySavers to give their top tips on using loyalty point stashes to buy Christmas presents. There were some great gift ideas if you've enough points including Magazine Subs,
Helicopter Flight! and Goldsmiths watch
[[tip_box_in_tip]]
Justin Hawkins Single, Ghost Perfume, Virtual Gym Trainer Workout |
|
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.
- GMTV, ITV1, Tuesday 28 October between 7:30 & 8:30am. The subject for this show is news reactive so you'll have to wait and see!
- It Pays To Watch, Five, Wednesday 22 October, 7:30pm. Slash the cost of train travel by knowing all the tricks to get Cheap Train Tickets.
- Christian O'Connell Breakfast Show, Absolute Radio, Monday 27 October, 8am. Listen to Martin's tip of the week, including earn whilst you spend with a Cashback Credit Card and check 'n' challenge your Council Tax Band to possibily reclaim £1,000s.
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
This week's Martin's Blog: ICICI: Is it safe?
"Should I do more fun telly?" Read m'blogs (or RSS users access)
What'll happen to house prices? This week's poll. Vote and property prices discussion.
Bank Bailout Referendum. Last Week’s Vote. If there was a referendum on the bank bailout, would you support it? The 56% majority of you voted that you would, while 39% said they'd vote against the bailout if given the chance. 5% would stay out of it completely by not voting. See bank bailout referendum poll results.
Archna's Free Game of the Week! How good are your reflexes? Ball Reflexion
Thought cult film The Shining was a horror flick? Take a look at how Stanley Kubrick's classic movie could've easily been a story of love.
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: tiscali.co.uk, americanexpress.co.uk, envirofone.com, mopay.co.uk, energyhelpline.com, tescofinance.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
