Warning! BT price hike. Beat it & slash costs (inc £9.15 line rental)
From 1 April cheap eve rates start at 7 not 6pm & peak costs rise to 5.9p/MIN yet you can do it for 5p/CALL
Next week BT households see peak time calls jump from 5.4p/min to 5.9p/min and peak hours
change from 6am-6pm to 7am-7pm, so the new higher rate lasts an extra evening hour too - in June TalkTalk will follow suit. So we've completely rewritten our cost cutting guide including... Cut costs without switching: Easily save with social tariffs, paying by direct debit, or just hang-up & redial before 60 mins to keep free calls free. Cheapest line rental £9.15/mth: BT's standard is £11.54/mth yet for £9.15/mth you can get Primus' Home Saver package which includes eve & weekend calls if you sign up via comparison site Homephonechoices* and there're rumours it could get even cheaper. With broadband: Using Primus for line rental and Plusnet* at £6/mth for broadband, at a total £15/month, far undercuts any bundle. 5p/CALL daytimes: Sign up to a no-frills provider like 18185 for much cheaper calls daytimes & to mobiles just by dialling its prefix number, eg. it's 5p/CALL to landlines daytimes, BT's 5.9p/min. FULL pros, cons, & possible cashback details in the New Guide: Cheap Home Phones Related: Cheap Broadband, Cheap Gas & Electricity
Possible FREE tenner for Boots cardholders. It's randomly allocating a bonus 1,000 points, worth £10 in-store, to 200,000 Advantage card holders. See the Daily Deals List: Shopping Vouchers
Urgent! FREE 30 min voucher for tech help by phone for PCs & more
30 mins e-voucher (lasts 6 mths) for free nerd help on computers, consoles or even mobile phone queries
Get it by 31 Mar. for new big name tech help squad. Forum Note: Free Tech Support Related: Free Anti-Virus, Free Office, Best Browsers
New MoneySaving Housebuyers guide
The step-by-step "what I wish I'd known" guide to getting a new home
When it comes to a massive purchase like a house, small mistakes cost large. So, helped by scores of MoneySavers' tales of "what I wish I'd known before", we've put together an essential home buying checklist to cut the cost of securing the residence of your dreams including... What can you afford? Let your finances, not property lust, dictate the process - ensure you include all the hidden costs. Check it out: Spot deal-breakers when viewing and keep your cool in the negotation. Cheaper conveyancing: MoneySavers' tales of reduced solicitor & surveyor fees. Last ditch checklist: Don't forget to ask how you turn the water off, who's the utility supplier, and ask them to hand over warranties for remaining appliances. FULL info on this and more in the New Guide: House Buying Related: Free House Price Valuations, Mortgage Guide, Mortgage Calculator, Repossessions Buying
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Homebase 15% off everything (rumoured), Debenhams & Topman up to 50% off
New Sales! Also Burton & Oasis up to 70% off, Very.co.uk up to 60% off, Figleaves & La Senza up to 50% off
There's a raft of sales across the high street. Full details and more in the Daily Deals List: High Street Sales Diary
Instant Burger King, Strada & Cafe Rouge 2for1s
Printable 2-in-1 BK voucher gets you 2for1 on selected burgers or free fries 'n' drink with a burger
Join Giraffe & Brasserie Gerard 2for1s, La Tasca 50% off & ASK 2 for £10 in the Daily Deals List: Restaurant Vouchers
How to get a bank account - tips for the unbanked
Govt says all should have one - banks say everyone can - help us find out the truth
Up to 1.75m UK adults dont have bank accounts, hitting their ability to find work and pay bills. In today's Budget the Govt will promise legislation to force banks to give everyone access to an account (election permitting), but the BBA, the banks' trade body says: "Everybody can have a bank account if they want one, unless (and this is rare) the law says they can't." The Basic Bank Account Myth: To stave off legislation on this in the past most banks introduced ‘basic bank accounts' which offer no overdrafts yet many people have told us when they say ‘I've a terrible credit score, can I open an account?' they're given normal bank account application forms and are thus rejected and allowed to leave unbanked. Only those specifically asking for basic bank accounts are given the right forms and even then some are rejected. Help us test this: To build more systematic evidence, if you're unbanked, we've written a series of tips for getting a bank account and we'd like your feedback bank by bank. Forum Note: Getting an account Related: Best Bank Accounts (for those with decent credit scores)
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Vouchers: Instant 20% off Shudoo, 20% off Jaeger & BHS Home (in mags). These join New Look & Dorothy Perkins 20% off, Planet 25% off & loads more in the Daily Deals List: Shopping Vouchers
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Free 36 page PRINTED Teen Cash Class
Teach kids about money with copy of my special guide in Sunday's News of the World (not Scots edition)
Either get a properly produced copy in the paper or you can print out the old version via teen cash class
Last Chance! Lock-in Direct Line car & home insurance discounts
Its promo deals may be ending, but get a quote now and it lasts 90 days so you can lock-in at that price
In a week, competitive insurer Direct Line's due to close its '12 mths for the price of 9' (ie. 25% off) home insurance* and, not too long after, its '52 days free’ (14% off) car insurance* promos. Yet as quotes last 3mths, get one now even if you're not at renewal just in case it's cheapest (if it launches a better promo you can always requote). Don't assume it's cheapest: Don't read this as 'get Direct Line', it's merely 'bag a quote in case it's cheap'. No one insurer's cheapest for all, so the best route's to get as many quotes as possible, the easiest way is combining as many comparison sites as possible (though they don't include Direct Line) in the following order: Car Insurance: GoCompare*, MSP*, BTQ*, MoneyExpert* Home Insurance: GoCompare*, MSP*, Confused*, CompareTM*. Once you've found your cheapest, look for hidden cashback deals. FULL info on all that in the Updated Guides: Cheap Car Insurance, Cheap Home Insurance Related Insurance Guides: Van, Motorbike, Travel, Boiler
100,000 £1 National Express coach tickets for 150 intercity locations
Cheap Easter travel! Also 50% off off-peak Southern Trains via a special promo website
Join 25% off Family and Friends Railcards and 40% off Southern Advance tickets. Full info in the Deals Note: Cheap travel
£22 Eurotunnel Folkestone-Calais mid-week day returns. Only 22,000 left.
Cars, motorcycles & up to 9 people travel for £22 return AND get cheap tickets to French attractions
For 6-22 Apr. trips, but book quick! Plus cheap tickets to Nausicaa, La Coupole & Aqualud. See the Deals Note: Cheap travel
New top balance transfer - 0% for 15 mths (2.9% fee)
New best buy for shifting debt short term (the previous top has cut its 0% length)
Now Virgin's dropped its 0% for 16mths offer to 14mths, there's a new top pick (all are new customer only and subject to credit score)... 15 months 0%: The cheapest deal available to all is now Barclaycard's* 15 months 0% for a one-off 2.9% fee though either clear it within this time or shift the debts again else it'll jump to 15.9% APR. Alternative 0% for 15 mths. If you have their bank accounts, HSBC*, Natwest* and RBS* also offer 15 mths 0% on debt shifted, again with one-off fees of 2.9% (up to 16.9% APR after) as does Santander though its fee's a higher 3% (15.9% APR after). Lock-in for the long term: If you can't repay the debt within the 0% period, and don't want to keep switching cards or don't have the credit score, MBNA Platinum's* the cheapest long term debt for most letting you lock in at 6.7% 'for life' meaning until all the debt shifted is repaid. Yet take over 4 years and MBNA's Rate for Life works out slightly cheaper at 5.9% 'for life' with a 1.5% fee. FULL info, pros, cons and loads more options in the Updated Guide: Best Balance Transfers Related Guides: 0% For 12 Mths Spending, 7.9% Loans
Urgent! £1 off £5 Tesco.com mp3 downloads code via MSE's Tunechecker.com. Until this Sun, code can be used multiple times, provided you are spending over £5. Full info via Tunechecker.com: Compare mp3s
Warning! Got Alliance & Leicester AND Santander savings? If you've more than the £50k safety limit in A&L and Santander (inc. B&B, Abbey, Asda & Cahoot), they legally become one institution in May (and will share protection), so you may want to spread savings elsewhere. See the MSE News Story: Santander protection Updated Guide: Savings Safety Related: Top Savings
Spring's here! Cheapest Hayfever Remedies £1.50 for 3mths
Get 90 Zirtec equiv. antihistamines for £1.47 delivered! Online chemist price war!
The pollen season's begun in earnest, but allergy sufferers can currently get a massive 90 Pollenshield tablets, which are cetirizine dihydrochloride tablets (the same active ingredient as Zirtek) for £1.47 - that's 49p/month! How to get it? Online pharmacy Chemist-4-U has launched the traditional summer hayfever price war - though don't do this if you need it asap, previous online pharmacy deals listed in this email have been slow to cope with the mass off traffic. The alternative cheapest in-store deal is £1 for 14 at ASDA. It's not just Zirtek: The underlying active ingredient of most main allergy tablets, nasal sprays and solutions are available for a fraction of the price of generic products. Safety: Always check it's the right tablet for you, plus ensure you read the FULL info, pros and cons about safety & using online pharmacies in the Updated Guide: Cheapest Hayfever Remedies Related Guide: Cheap Prescriptions & Medications
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Price war over new 'New Moon' DVD! Twi-hards can get their teeth into it for £8! See the Forum Note: Cheapest New Moon DVD
10 x 15 personalised photo poster + 40 prints for free (£1.99 p&p). Plus loads more photo offers, where you just pay delivery - combine them for 100s of free snaps. See the Deals Note: Free Digital Photo Prints
New debt crisis help finder - find free help nearby
Plus worried about borrowings? Watch Martin's updated Debt-crisis self-help video
Debt isn't just a financial problem, when it's severe it can impact your life, work, relationships and even mental health. That's why it's crucial to manage it as early as possible, the best way is to get non-profit free help. Watch the video: We've updated Martin's video which takes you through step-by-step how to work out if you're in debt crisis and how to deal with it. New local help finder: As well as the CCCS, CAB and National Debtline national agencies there are many good local help ones too - and now a new Money Advice Map will find you your closest options. Updated Guide & Video: Debt problems help Related: Money Makeover, Benefits Checkup
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Barclaycard launches 'Freedom' reward scheme for all customers. A decent boon if you're already a customer, but easily beatable by the top cashback and rewards cards. See the MSE News story: Barclaycard Freedom
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